| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX and its subsidiaries never ever respond to clients. They intentionally failing borrowers at every stage of the mortgage servicing process. The modification was designed to help people and Ocwen tried to defraud people by increasing the monthly payments by 1700 % This is a criminal organization that must be closed. Ocwens years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Ocwen allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, Ocwen also illegally foreclosed on a top-secret close door against XX/XX/XXXX foreclosure act and after it they find the proper moment to go in the house illegal and criminal and loot the entire property in case you complain too much. on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The NY. PA, Florida Attorney General took a similar action against Ocwen today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against Ocwen for escrow management and licensing issues today.
" Ocwen has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. " Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ocwen, headquartered in XXXX XXXX XXXX, Fla., is one of the nations largest nonbank mortgage servicers. As of XXXX XXXX, XXXX, Ocwen serviced almost XXXX XXXX loans with an aggregate unpaid principal balance of {$200.00} XXXX. It services loans for borrowers in all 50 states and the District of Columbia. A mortgage servicer collects payments from the mortgage borrower and forwards those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. Ocwen specializes in servicing subprime or delinquent loans.
////////////////////////////////////////////////////////////////////////////////////////////////////////////// CFPB, State Authorities Order Ocwen to Provide {$2.00} XXXX in Relief to Homeowners for Servicing Wrongs XX/XX/XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email Largest Nonbank Servicer Will Also Refund {$120.00} XXXX to Foreclosure Victims and Adhere to Significant New Homeowner Protections WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ), authorities in 49 states, and the District of Columbia filed a proposed court order requiring the countrys largest nonbank mortgage loan servicer, XXXX XXXX XXXX, and its subsidiary, Ocwen Loan Servicing, to provide {$2.00} XXXX in principal reduction to underwater borrowers. The consent order addresses Ocwens systemic misconduct at every stage of the mortgage servicing process. Ocwen must also refund {$120.00} XXXX to the nearly 185,000 borrowers who have already been foreclosed upon and it must adhere to significant new homeowner protections.
Deceptions and shortcuts in mortgage servicing will not be tolerated, said CFPB Director XXXX XXXX. Ocwen took advantage of borrowers at every stage of the process. Todays action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect, dignity, and fairness they deserve.
The proposed Ocwen Consent Order is available at : http : //files.consumerfinance.govXXXX Ocwen, a publicly traded Florida corporation headquartered in XXXX, Ga., is the largest nonbank mortgage servicer and the fourth-largest servicer overall in the United States. As a mortgage servicer, it is responsible for collecting payments from the mortgage borrower and forwarding those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures.
Ocwen specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years, it has acquired competitors including XXXX XXXX XXXX XXXX ( formerly American Home Mortgage Servicing Inc. ) and XXXX XXXX XXXX XXXX. It has also acquired the mortgage servicing rights from the portfolios of some of the countrys largest banks.
The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act which protects consumers from unfair, deceptive, or abusive acts or practices by mortgage servicers whether they are a bank or nonbank. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act.
In early XXXX, examinations by the XXXX XXXX XXXX, which is comprised of state financial regulators, identified potential violations at Ocwen. In addition, the Federal Trade Commission referred its investigation of Ocwen to the CFPB after the Bureau opened in XX/XX/XXXX. The Bureau then teamed with state attorneys general and state regulators to investigate and resolve the issues identified. Todays settlement is a multi-jurisdictional collaborative effort.
Borrowers Pushed into Foreclosure by Servicing Errors The CFPB and its partner states believe that Ocwen was engaged in significant and systemic misconduct that occurred at every stage of the mortgage servicing process. According to the complaint filed in the federal district court in the District of Columbia, Ocwens violations of consumer financial protections put thousands of people across the country at risk of losing their homes. Specifically, the complaint says that Ocwen : Took advantage of homeowners with servicing shortcuts and unauthorized fees : Customers relied on Ocwen to, among other things, treat them fairly, give them accurate information, and appropriately charge for services. According to the complaint, Ocwen violated the law in a number of ways, including : o Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; o Charging borrowers unauthorized fees for default-related services ; o Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance coverage ; and o Providing false or misleading information in response to consumer complaints.
Deceived consumers about foreclosure alternatives and improperly denied loan modifications : Struggling homeowners generally turn to mortgage servicers, the link to the owners of the loans, as their only means of developing a plan for payment. Ocwen failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : o Failing to provide accurate information about loan modifications and other loss mitigation services ; o Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; o Providing false or misleading reasons for denying loan modifications ; o Failing to honor previously agreed upon trial modifications with prior servicers ; and o Deceptively seeking to collect payments under the mortgages original unmodified terms after the consumer had already begun a loan modification with the prior servicer.
Engaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But Ocwen mishandled foreclosures and provided consumers with false information. Specifically, Ocwen is accused of : o Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative also offered by Ocwen ; and o Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information.
Remedies : Consumer Protections Todays proposed court order will bar Ocwen from committing such violations in the future. It requires Ocwen to provide {$120.00} XXXX in refunds to foreclosed-upon consumers and {$2.00} XXXX in loan modification relief to its customers through principal reduction. The refunds and relief also apply to consumers whose loans were previously serviced by XXXX XXXX XXXX and XXXX XXXX XXXX. According to the proposed order, Ocwen must : Provide {$2.00} XXXX in relief to underwater borrowers : Over a three-year period, Ocwen must complete sustainable loan modifications that result in principal reductions totaling {$2.00} XXXX. For loan modification options, eligible borrowers may be contacted directly by Ocwen. Or borrowers may contact Ocwen to obtain more information about specific loan modification programs and to find out whether they may be impacted by this settlement. Ocwen can be reached at XXXX or XXXX. If Ocwen fails to meet this commitment, it must pay a cash penalty in the amount of any shortfall to the CFPB and the states.
Provide {$120.00} XXXX in refunds to foreclosure victims : Ocwen must refund {$120.00} XXXX to consumers whose loans were being serviced by Ocwen, XXXX XXXX XXXX, or Litton Loan Servicing, and who lost their homes to foreclosure between XX/XX/XXXX and XX/XX/XXXX. All eligible consumers who submit valid claims will receive an equal share of the {$120.00} XXXX. Borrowers who receive payments will not have to release any claims and will be free to seek additional relief in the courts. Ocwen will also pay {$2.00} XXXX to administer the refund process. Eligible consumers can expect to hear from the settlement administrator about potential payments.
Stop robo-signing official documents : Ocwen must ensure that facts asserted in its documents about borrowers loans used in foreclosure and bankruptcy proceedings are accurate and supported by reliable evidence. Affidavits and sworn statements must be based on personal knowledge.
Adhere to significant new homeowner protections : Ocwen must change the way it services mortgages to ensure that borrowers are protected from the illegal behavior that puts them in danger of losing their homes. To ensure this, the CFPB and the states are proposing that Ocwen follow the servicing standards set up by the XXXX XXXX XXXX XXXX with the five largest banks. Because of Ocwens track record of problems handling the large volume of mortgage servicing rights it has quickly acquired in recent years, Ocwen is also being ordered to adhere to additional consumer protections, including how it manages transferred lans. Among other things, Ocwen must : o Properly process pending requests : For loans that are transferred to Ocwen, the company must determine the status of in-process loss mitigation requests pending within 60 days of transfer. Until then, Ocwen can not start, refer to, or proceed with foreclosure.
o Honor previous loan modification agreements : If the borrower has a loan modification agreement, Ocwen must honor it under the terms of the company that transferred the loan.
o Ensure continuity of contact for consumers : Ocwen will have to ensure that consumers get regular and dependable assistance when they call for help. This includes requiring more than just a single point of contact assigned to each borrower, but also that other Ocwen employees with access to the borrowers information be available if the borrower wants to speak to someone immediately.
o Restrict servicing fees : All servicing fees must be reasonable, bona fide, and disclosed in detail to borrowers. For example, Ocwen can not collect any late fees if a loan modification application is under review or if the borrower is making timely trial modification payments.
o Notify consumers of loss mitigation options and restrict dual tracking : Ocwen generally can not refer a borrowers account to foreclosure while the borrowers application for a loan modification is still pending. If the loan-modification request is denied, the borrower can appeal that decision and Ocwen can not proceed to foreclosure until that appeal has been resolved.
In XX/XX/XXXX, the CFPB released new rules on mortgage servicing that will apply to every mortgage servicer. The standards that Ocwen must adhere to according to this court order are in addition to the protections offered to consumers under the new rules that take effect on XX/XX/XXXX. More information about the CFPBs new mortgage rules can be found at : consumerfinance.gov/mortgage.
A factsheet about the proposed order filed today can be found at : http : //files.consumerfinance.govXXXX Common consumer questions and answers about the order can be found at : http : //files.consumerfinance.govXXXX A copy of the Ocwen complaint that the CFPB and state attorneys general filed today can be found at : http : //files.consumerfinance.govXXXX The complaint is not a finding or ruling that the defendants have actually violated the law. The proposed federal court order will have the full force of law only when signed by the presiding judge.
# # # The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.
Updated on XX/XX/XXXX : The XXXX XXXX XXXX XXXX will mail claim forms to borrowers who lost their home to foreclosure between XX/XX/XXXX and XX/XX/XXXX and whose loans were serviced by Ocwen, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX XXXX, or AHMSI ). Borrowers may submit claim forms online using their personalized claimant ID number, which is located on the claim form they receive. More information can be found at : XXXX Updated on XX/XX/XXXX : The Ocwen consent judgment entered by the court can be found at : http : //files.consumerfinance.govXX/XX/XXXX ////////////////////////////////////////////////////////////////////////////////////////////////////// CFPB Sues Ocwen for Failing Borrowers Throughout Mortgage Servicing Process Mortgage Servicers Widespread Errors, Shortcuts, and Runarounds Cost Borrowers Money, Homes XX/XX/XXXX Share this Share on XXXX Share on XXXX Share on XXXX Share on email WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today sued one of the countrys largest nonbank mortgage loan servicers, XXXX XXXX XXXX, and its subsidiaries for failing borrowers at every stage of the mortgage servicing process. The Bureau alleges that Ocwens years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Ocwen allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, Ocwen also illegally foreclosed on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The Florida Attorney General took a similar action against Ocwen today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against Ocwen for escrow management and licensing issues today.
" Ocwen has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. " Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ocwen, headquartered in XXXX XXXX XXXX, Fla., is one of the nations largest nonbank mortgage servicers. As of XXXX XXXX, XXXX, Ocwen serviced almost XXXX XXXX loans with an aggregate unpaid principal balance of {$200.00} XXXX. It services loans for borrowers in all 50 states and the District of Columbia. A mortgage servicer collects payments from the mortgage borrower and forwards those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. Ocwen specializes in servicing subprime or delinquent loans.
The CFPB uncovered substantial evidence that Ocwen has engaged in significant and systemic misconduct at nearly every stage of the mortgage servicing process. The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act, which protects consumers from unfair, deceptive, or abusive acts or practices, and other federal consumer financial laws. In addition, the Bureau adopted common-sense rules for the mortgage servicing market that first took effect in XX/XX/XXXX. The CFPBs mortgage servicing rules require that servicers promptly credit payments and correct errors on request. The rules also include strong protections for struggling homeowners, including those facing foreclosure. In its lawsuit, the CFPB alleges that Ocwen : Serviced loans using error-riddled information : Ocwen uses a proprietary system called REALServicing to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its REALServicing system. And even when data was accurate, REALServicing generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck.
Illegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement.
Failed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors.
Botched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts.
Mishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance.
Bungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its REALServicing system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact.
Deceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers.
Failed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option.
Failed to adequately investigate and respond to borrower complaints : If an error is made in the servicing of a mortgage loan, a servicer must generally either correct the error identified by the borrower, called a notice of error, or investigate the alleged error. Since XX/XX/XXXX, Ocwen has allegedly routinely failed to properly acknowledge and investigate complaints, or make necessary corrections. Ocwen changed its policy in XX/XX/XXXX to address the difficulty its call center had in recognizing and escalating complaints, but these changes fell short. Under its new policy, borrowers still have to complain at least five times in nine days before Ocwen automatically escalates their complaint to be resolved. Since XX/XX/XXXX, Ocwen has received more than 580,000 notices of error and complaints from more than 300,000 different borrowers.
Failed to provide complete and accurate loan information to new servicers : Ocwen has allegedly failed to include complete and accurate borrower information when it sold its rights to service thousands of loans to new mortgage servicers. This has hampered the new servicers efforts to comply with laws and investor guidelines.
The Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly.
Through its complaint, filed in federal district court for the XXXX District of Florida, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law.
The lawsuit is available at : http : //files.consumerfinance.govXXXX # # # The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.
/////////////////////////////////////////////////////////////////////////////////////////////////////// CFPB Sues Ocwen for Failing Borrowers Throughout Mortgage Servicing Process Mortgage Servicers Widespread Errors, Shortcuts, and Runarounds Cost Borrowers Money, Homes XX/XX/XXXX Share this Share on XXXX Share on XXXX Share on XXXX Share on email WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today sued one of the countrys largest nonbank mortgage loan servicers, XXXX XXXX XXXX, and its subsidiaries for failing borrowers at every stage of the mortgage servicing process. The Bureau alleges that Ocwens years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Ocwen allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, Ocwen also illegally foreclosed on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The Florida Attorney General took a similar action against Ocwen today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against Ocwen for escrow management and licensing issues today.
" Ocwen has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. " Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ocwen, headquartered in XXXX XXXX XXXX, Fla., is one of the nations largest nonbank mortgage servicers. As of XX/XX/XXXX Ocwen serviced almost XXXX XXXX loans with an aggregate unpaid principal balance of {$200.00} XXXX. It services loans for borrowers in all 50 states and the District of Columbia. A mortgage servicer collects payments from the mortgage borrower and forwards those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. Ocwen specializes in servicing subprime or delinquent loans.
The CFPB uncovered substantial evidence that Ocwen has engaged in significant and systemic misconduct at nearly every stage of the mortgage servicing process. The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act, which protects consumers from unfair, deceptive, or abusive acts or practices, and other federal consumer financial laws. In addition, the Bureau adopted common-sense rules for the mortgage servicing market that first took effect in XX/XX/XXXX. The CFPBs mortgage servicing rules require that servicers promptly credit payments and correct errors on request. The rules also include strong protections for struggling homeowners, including those facing foreclosure. In its lawsuit, the CFPB alleges that Ocwen : Serviced loans using error-riddled information : Ocwen uses a proprietary system called REALServicing to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its REALServicing system. And even when data was accurate, REALServicing generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck.
Illegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement.
Failed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors.
Botched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts.
Mishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance.
Bungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its REALServicing system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact.
Deceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers.
Failed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option.
Failed to adequately investigate and r
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| 02/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Loan Office of Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, TX XXXX United States Securities and Exchange Commission XXXX County Sheriff Office of Consumer Fraud XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Ocwen Loan Services Attention Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flordia, XXXX The letter is a letter of disputed debt unded the 15 U.S. Code 1692 validation of debt. The letter is also regarding Foreclosure Fraud and Texas Status of limitation. I am asking Ocwen to provide proof of who the mortgage company not the trustee, which is XXXX. I am aking for the name of the actual mortgage company as I have asked in this letter sent to Ocwen, which was never revealed. Ocwen has a forecloser on my home schedule for XX/XX/XXXX. As noted in the US Code I have a right to know the name of the company that this debt is owed. Ocwen seems to only record XXXX XXXX as the bank for the loan. I have never done business with XXXX XXXX or for that matter Ocwen. I am asking for Ocwen to produce the Name, Address of the Mortgage company that they service. I am asking for the mortgage company to be produce as paid in recourse on the Promissory note and deed, with the stamp date of sale and signature on the promissory note. status of limitation ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Ocwen acknowledges in their letter sent to the CPFB XX/XX/XXXX they do not know the originator of the Promissory note. They content that the original note holder is XXXX as the mortgage company and XXXX XXXX as the trustee. There is no way this can be, and if so this is a retroactive trust, which is Foreclosure Fraud which is illegal. Please note the transfer of assignments. The According to debt collection laws, as stated above if you do not know you shall cease collection of the debt or any disputed portion thereof.
In the notice of acceleration letter dated XX/XX/XXXX Ocwen list there address as the mortgage company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. Ocwen states the servicer is authorize to represent the Mortgagee. This is the issue who is the Mortgagee they are representing. I have asked this question several times and with no answer from Ocwen as you can see in their letter. Ocwen has created fake transfers of assignment to take possession of my home. How I know the transfers list OCWEN only and they are retroactive to an old trust. Not only that, the transfers were done 2 years after OCWEN states they took over the Loan. In XX/XX/XXXXOcwen was not allow to do any transfers due to Illegal activity Fraud.
I am not the only person they have done this to using the back mortgage trust as the Mortgage company this is illegal. They can not retroactive a mortgage agreement. XXXX does not even have the transfer of assignment from the sale of XXXX. This loan was a fraud form the start and Ocwen knows it there are so many companies listed in the XXXX system with the address of my home, and it shows a company that has the mortgage, but the issues is I never signed a contract or done business with the company.
I have no new information showing any other mortgage company since XXXX who were taken over by the FDIC Federal Government for Fraud Foreclosures and Mortgage loans. I have checked the XXXX system that shows this loan has been sold so many times that the deed is now cloudy. Ocwen sent a transfer of deed, which is void due to the recording shows XXXX. This is a violation of the RESPA laws of 60 days.
Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2006-B, Home Equity Mortgage Loan Asset-Backed Certificates Series INABS Status of limitation Under Texas laws of status of limitation foreclosure laws Ocwen has lost their right to a non-Judicial foreclosure under these laws. Ocwen stated in the letter provided dated XX/XX/XXXX the home was in an active foreclosure since XX/XX/XXXX, if this is the case and Ocwen did not implement the foreclosure the status is pass. Under Texas laws if a Non Judicial foreclosure sale has not taken place within four years the home can not be foreclosure via a Non Judicial foreclosure.
Texas Civil Practice and Remedies Code - CIV PRAC & REM 16.035. Lien on Real Property 1.
2. ( a ) A person must bring suit for the recovery of real property under a real property lien or the foreclosure of a real property lien not later than four years after the day the cause of action accrues.
3. ( b ) A sale of real property under a power of sale in a mortgage or deed of trust that creates a real property lien must be made not later than four years after the day the cause of action accrues.
4. ( c ) The running of the statute of limitations is not suspended against a bona fide purchaser for value, a lienholder, or a lessee who has no notice or knowledge of the suspension of the limitations period and who acquires an interest in the property when a cause of action on an outstanding real property lien has accrued for more than four years, except as provided by : 5. ( 1 ) Section 16.062, providing for suspension in the event of XXXX ; or 6. ( 2 ) Section 16.036, providing for recorded extensions of real property liens.
7. ( d ) On the expiration of the four-year limitations period, the real property lien and a power of sale to enforce the real property lien become void.
8. ( e ) If a series of notes or obligations or a note or obligation payable in installments is secured by a real property lien, the four-year limitations period does not begin to run until the maturity date of the last note, obligation, or installment.
9. ( f ) The limitations period under this section is not affected by Section 3.118, Business & Commerce Code.
10. ( g ) In this section, real property lien means : 11. ( 1 ) a superior title retained by a vendor in a deed of conveyance or a purchase money note ; or 12. ( 2 ) a vendor 's lien, a mortgage, a deed of trust, a voluntary mechanic 's lien, or a voluntary materialman 's lien on real estate, securing a note or other written obligation.
I HAVE NOT PAID ANYMONEY TO OCWEN NOR XXXX XXXX. OCWEN STATED THE HOUSE WAS IN FORECLOSURE IN XX/XX/XXXX THAT MEANS ACCORIDNG TO THE LAWS ABOVE THEY CAN NOT FORCLOSE USING A NON JURICIAL SALE Loan of Securitization Please note the loan is a loan of securitization Ocwen has obtain the loan through a seller market know as XXXX. Ocwen does not hold the promissory note to the home XXXX XXXX XXXX XXXX XXXX The Loan originated via a broker who solicited low income individuals with credit scores below 600. The process is know as Securitization. The broker sales to the market Warehouse of banks MER and XXXX XXXX at the time and later purchased by XXXX XXXX- ( XXXX-based XXXX agreed to purchase XXXX in XX/XX/XXXX for {$14.00} per share ) XXXX supposedly sold this loan around XX/XX/XXXX to XXXX servicer and XXXX XXXX XXXX XXXX I never received the transfer. I learn all of this by research.
XXXX goes out of business and now XXXX comes in for the foreclosure of the loan this is pure securitization. The promissory note must has the original signature, which OCWEN has stated they do not own the loan they just service the loan with that you can not foreclose on my home. The trustee which is a substitute for XXXX XXXX has stated they do not own the promissory note. XXXX XXXX it seems do not hold the original promissory note due the loan seems to have been transferred from Ocwen.
13. Ocwen states I was behind on my payments. Not true there was a plan in place by XXXX as stated in Ocwen Letter. Ocwen stopped taking payments and requested a modification. This was not obtainable due to Ocwen continuing lost of paper work or stating they were missing documents.
14. Ocwen asked me to reapply for the loan and denied the loan stating it was more then 90 days pass due and that is why they could not obtain a modification. I explained to Ocwen per your letters in XX/XX/XXXX the loan was pass the 90 days. Ocwen asked me to reapply. XX/XX/XXXX. Ocwen stated the house was in a foreclosure status when they obtained the loan in XX/XX/XXXX, if this is the case they have missed their right to a non judicial foreclosure sale it past the status 16. After much research I realize the loan was a Fraud after Ocwen nor XXXX XXXX does not appear on the promissory note or deed. Ocwen attached the trust to a retroactive trust XXXX XXXX whom purchased XXXX. DOJ filed a complaint regarding XXXX XXXX see below.
17. The mortgage company in the MERS is not somebody I have done business with also the loan has been sold so many times with most of the lenders not even appearing on the promissory note in Mers. This is racketeering, and a loan of securitization.
https : XXXX I have asked Ocwen and XXXX to cease and desist they are not on the deed or the promissory note. I am demanding the sale date of XX/XX/XXXX is removed due to they do not have the correct documentation showing they are the owner of the property.
Violation of Texas Foreclosure Procedures Ocwen did not notify me of a FORECLOSURE date on my property until after XX/XX/XXXX. I received notice from a source that my loan was in FORECLOSURE and posted at the County courts forsale. Without receiving a demand letter, or a certified by mail letter.
Once again as of XX/XX/XXXX Ocwen filed for foreclosure on the property without show who is the mortgage company name. Ocwen also violated Texas Foreclosures laws as it pertains to non-judicial foreclosures not only are they past the four-year status they are committing Foreclosure fraud.
I have not been notified in writing as of XX/XX/XXXX by first class mail via the mortgage company nor the trustee office, but they have a sale date on the property of XX/XX/XXXX. I am to be certified in writing, before the posting of the property goes up for sale. See information listed in this letter due to this has been happening since XXXX with Ocwen not following the procedures. They not only did not follow the procedures they keep trying to take my home without proof of the mortgage company.
Fraud Foreclosure. Ocwen Loan Services and XXXX XXXX are violating Texas Foreclosure laws by committing fraud. I have never done business with Ocwen or XXXX XXXX as in contracting on my home. Ocwen in XXXX stated they purchased my loan. When question if they own the Loan they referred back to an old mortgage I had with XXXX as the mortgage on my home. I at that time knew it was a fraud, because XXXX had my loan maybe 6 months to a year before selling the loan. I asked them to provide proof all they can provide is a fraud transfer of assignment in XX/XX/XXXX and XX/XX/XXXX. The transfers are fraud. When asking for the name and address of the mortgage company they provided XXXX XX/XX/XXXX as the back trust. I knew something was wrong being I never done business with XXXX XXXX. In my research what I learned is XXXX XXXX purchased XXXX in XX/XX/XXXX way after my loan had been purchase. Then i notice this is retroactive to a prior trust this is fraud. There is no where on the deed of trust or the promissory note that shows I have done business with this company.
f a Mortgage Assignment is dated, notarized and filed in a year after the year set forth in the name of the grantee trust on the Assignment, it is actually an Assignment specially, and in many cases, fraudulently, made to facilitate foreclosures.
These Specially-Made Assignments have created havoc in the courts. In many cases, the Specially-made Assignments are dated AFTER the foreclosure action has been initiated, making it appear that the Trust somehow magically knew prior to the assignment that it would acquire the defaulting property several months after the foreclosure action was initiated.
Repeatedly, courts have asked Trustees to explain why they were acquiring non-performing loans and whether such acquisition was a violation of the trustees fiduciary duty to the Trust. No Trustee has ever come forth and explained that the Trust actually acquired the loan years before the Assignment. As a result, there are many decisions with observations similar to this observation made by XXXX XXXX XXXX XXXX of XXXX County, New York, in XXXX XXXX v. XXXX, 21 Misc. 3d 1124 [ A ] : Further, according to plaintiffs application, the default of defendants XXXX and XXXX began with the nonpayment of principal and interest due on XX/XX/XXXX. Yet, four months later, plaintiff XXXX was willing to take an assignment of the instant nonperforming loan. The Court wonders why XXXX would purchase a nonperforming loan, four months in arrears?
And in XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX, New York, Index No. XXXX/XX/XX/XXXX ( XX/XX/XXXX ) : The information provided explains what Ocwen and XXXX is doing. This is Foreclosure Fraud and they do not own the property. I could not understand why I was unable to obtain a modification the reason is the plan was in place when I purchased my home to foreclose the property.
Next Ocwen has miss the Status of Limitation in the State of Texas to file a Non Judicial foreclosure, which is four years in Texas. Ocwen stated in their letter that the home was in foreclosure in XX/XX/XXXXthat means the stature has passed.
I am asking Ocwen to provide the name address, and phone number of the company that has the mortgage. The XXXX system shows about 20 different companies with this same home loan. This is impossible being I never done business with the companies listed in XXXX. XXXX XXXX shows as the last active account and I have no idea who they are and never received any information on the company. Next, Ocwen only can provide some fraud transfer of assignments dated XX/XX/XXXX way pass the RESPA laws of 60 days. In the transfer it states C/O for XXXX bank. That does not make it legal. I am asking Ocwen to provide the name of the Mortgage company, reveal the names of the group of investors and phone numbers. Ocwen even stated in their letter sent they were not around for the origination of the loan, therefore they have not knowledge of the original loan. You have violated the Debt Collection law if you can not prove the Debt you must cease and desist. Under the Debt collection laws. Also Ocwen never wrote my business. Texas has band Ocwen from doing any new business. I have informed Ocwen that they do not own my loan or can write any new business.
Continue to file foreclosure without notifying the homeowner via certified mail.
Contacted Ocwen on XX/XX/XXXX and spoke with Ocwen Escalation manager who I informed to contact XXXX due to the manager stated he saw no foreclosure date on the property. When contacting XXXX they stated there was a sale date on the property and Ocwen has not been notified as of yet. The issuer is a violation of debt collection laws and Texas Foreclosure laws. I must have received a current up to date demand letter within 30-60 days given me the opportunity to cure the default. I am at this time disputing the debt. ( 1 ) Ocwen does not hold the original promissory note. ( 2 ) The process was not followed. ( 3 ) This is a violation of the Debt Collection Laws. ( 4 ) Securitization is illegal. Foreclosure date added again XX/XX/XXXX.0 Transfer of assignments 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Ocwen transfer of assignments are voided due to illegal active and fraud the company has committed as listed by the All Fifty Attorney Generals XXXX, Fla.Attorney General XXXX XXXX and Florida Office of Financial Regulation Commissioner XXXX XXXX XXXX today filed a federal civil consumer protection lawsuit against XXXX XXXX XXXX of XXXX XXXX XXXX and its subsidiaries, Ocwen Loan Servicing, LLC and Ocwen Mortgage Servicing , Inc., for mortgage servicing misconduct. According to the complaint, Ocwen harmed Floridians by filing illegal foreclosures, mishandling loan modifications, misapplying mortgage payments, failing to pay insurance premiums from escrow and collecting excessive fees.
Ocwen has been band in the State of Texas from writing new business. I applied so many times for a mortification with Ocwen and each time Ocwen found a way not to accept the modification. Ocwen, also stated they gave a modification XX/XX/XXXXand I miss the first payment. This modification was never finalized due to it was an in house modification. I am asking for the transcript of the phone conversation from Ocwen that proves the loan was cancel and resent XX/XX/XXXX after requesting the Hamp II modification that I qualified for.
Ocwen decided not to send the modification in time to make me miss the first payment. As listed in communication to the Attorney General of Florida and the Attorney General of Texas the first class envelope showing when the documentation was sent. I found out later that Ocwen had put an illegal mortification on my home without my signature. I noticed this on the bill and when questioning Ocwen about the modification. Ocwen explained the modification was added to the loan. I asked how can that be without my signature or a verbal agreement between the two of us. Ocwen stated they did not need a signature for them in house modification or a verbal agreement. I find this hard to believe there was no execution of documents this is illegal b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
When you sign a mortgage note it comes under UCC Article 3. After securitization, it comes under Article 8. Under US law securitization is illegal because it is fraudulent. Ocwen has sent documentation to the Attorney General office with my name as the signer of the deed with OCWEN as C/O. I do not have any documentation with OCWEN. The document with XXXX as we know is a fraud along with XXXX who sold the loan years ago. I have no new documentation showing they repurchased the loan and they are the servicers of the loan. I have no new documentation showing that XXXX XXXX repurchased the loan and did a transaction with OCWEN. XXXX sold to XXXX and XXXX XXXX, who did not send a transfer of assignment per RESPA laws. XXXX was seized but The loan was a subprime loan and I have proof. I had to file a bankruptcy in XX/XX/XXXX and the trustee filed many motion to get the correct amount for the loan due to XXXX and XXXX XXXX Bank kept increasing myloan. The attorneys and Trustee filed to obtain the correct loan amount, which took XXXX XXXX XXXX a year to give the correct amount.
I had no idea my loan was a loan of Mortgage Fraud Securitization. I had no idea this loan was a fraud until I could not secure a HAMP II modification. The denial caused me to look closer into my loan and demand OCWEN provide proof of the loan. The documentation provided were only copies without the originals. Furthermore, the transfer of assignment recording shows 2years after the suppose transfer XX/XX/XXXX. The transfer supposedly took place in XX/XX/XXXX.I will be sending more information regarding the transfer.
I will be sending in more information to the Attorney General, CPFB, all the attorney generals in the UNITED STATES, on The HAMP II modification and proof. At this time this is a demand for OCWEN to stay away from my deed. This is a demand that OCWEN remove the foreclosure Date. This is a demand that OCWEN provides a promissory note showing they are the originator of the Loan. This is a demand that OCWEN stop violation of the Fair Debt Collection LAW. This is a demand that Ocwen provide proof of the demand letter in the current year with date of certification.
Power of Sale Foreclosure Guidelines If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows : 1. Prior to proceeding with a foreclosure, Texas laws state that the lender must mail the borrower a letter of demand, informing the buyer he has twenty ( 20 ) days to pay the delinquent payments or foreclosure proceedings will begin.
2. At some point after the borrowers twenty ( 20 ) days have expired, but at least twenty one ( 21 ) days before the foreclosure sale, a foreclosure notice must be : 1 ) filed with the county clerk ; 2 ) mailed to the borrower at their last known address ; and 3 ) posted on the county courthouse door.
3. The foreclosure sale must take place on the first Tuesday of any month, even if said Tuesday falls on a legal holiday, but only after the proper preliminary notices have been given. The sale is on the courthouse steps by auction to the highest bidder for cash. Anyone may bid, including the lender, who bids by canceling out the balance due on the note, or some part of it.
Lenders may obtain deficiency judgments, but they are limited to the difference between the fair market value of the property at the time of sale and the balance of the loan in default.
Transfers and Modifications Please note as to the dispute documentation from Ocwen showing they sent the letter of transfers and it shows in the transfer that I was notified regarding the Section 6 Real Estate along with the transfer. Ocwen seems to States they sent several documentations to my current address the problem are there is no proof of mailing to the address. I have asked Ocwen in writing several times to certify me when mailing documentation. This was put in the dispute letter stamped by Ocwen received on XX/XX/XXXX. Ocwen sent affidavits for the proof of mailing this is not the sam Ocwen seems to have a habit of saying they mailed items, which were not received. I am asking them to provide the proof of mailing.
FRAUD TRANSFER OF ASSIGNMENT NEED TO BE RESOLVED After asking the question to Making Home Affordable about fraud and modification. I at that time realize the loan was a fraud and contacted the Attorney General office of Texas, and Florida. This opens up more criminal activities as a servicer is lying saying they hold the promissory note. NOTE : At one point, any person can create a transfer of assignment and register it with the County Real Property.
The transfer Owen created shows the transfer was done in XX/XX/XXXX violation of the RESPA there is no way they sent me a letter this late in process. Also there is no mortgage company that backing OCWEN servicing company. The company that transfer the loan is no longer in business XXXX servicer and XXXX XXXX XXXX.
Ocwen is stating that XXXX XXXX is the Trustee Bank and XXXX XXXX is the servicer. As you can see in the transfer by Ocwen in XX/XX/XXXX they listed XXXX XXXX who was my servicers and XXXX XXXX my mortgage company in XX/XX/XXXX. I have not received any notification from Mortgage it that they are servicing my loan again nor the bank that is backing them I am asking for the proof of mailing.
The original mortgage Originated with Alternative Mortgage who transfer the loan to XXXX XXXX who does not own the promissory note. I will have to say after tracing back documentation this agreement was not clear and I did not have the knowledge of the issues that have taken place from origination of the loan. This is truly the process of Securitization and no one holds the original deed and promissory note XXXX as you can see was not the originator of the loan therefore can not hold the promissory note. Ocwen has purchased a fraud loan. The information on the Law of Securitization the loan is a fraud. The intent was all along to foreclose on my home and defraud the government and me the homeowner. I filed for bankruptcy XX/XX/XXXX OCWEN stated they sent many documents I never received. I am requesting they show proof of mailing of all denial letters as I asked them to certify all documentation XX/XX/XXXX in order to resolve the issue of my statement never received. Ocwen stating we sent it to the customer. As we know they have been sued for miss dates to customers when mailing documentation.
Never Resolved I was offered a modification in XX/XX/XXXX, but I missed the first payment date of XX/XX/XXXX per Ocwen. I responded to the Ombudsman office showing proof of mailing dated please see envelop that shows the date I received the modification that I had requested several time. I question Ocwen on, if they offered me a modification and it shows on the statement. Please explain why there was not signature and my approval of the false modification you put on the statement to cover the lie that you sent me a modification and I missed the first payment. I was sent documentation that showed no signatures on the modification. I asked how can you implement a modification without signatures. I was told on the in house modification they do not need a signature. I never approved this modification. Another one of Ocwen Scams.
They filed affidavits of mailing. I HAVE NEVER DONE BUSINESS WITH OCWEN OR XXXX XX/XX/XXXX. In the MER system my house address is listed with about 20 different mortgage companies that had the loan and I was never notified. Also the mortgage that shows active I have never done business with. OCWEN NOR XXXX XXXX is listed as one of the mortgage ocwner or trustee.
OCWEN AND XXXX XXXX HAVE ATTACHED MY MORTGAGE TO AN OLD TRUST AND IN XX/XX/XXXX WHEN I DISCOVERED IT AND CONFORTED OCWEN, THEY WENT AND DID A TRANSFER OF ASSIGNMENT MAKING CORRECTION TO THE LOAN. OCWEN WHEN ASK TO SEND THE TRANSFER OF ASSIGMENT FROM XXXX XXXX THEY CREATED ANOTHER TRANSFER OF ASSIGMENT WITH CARE OF C/O XXXX XXXXI am demanding they stop trying to put my home for sale to the first buyer to obtain cash and the deed is fake. I am demanding this foreclosures sale is stop Debt collect laws states if they can not prove the debt they must cease and desist. I am demanding the name of the investors, the mortgage company name and address that has the deed and promissory note with stamp paid to as it was listed for all other deed transaction.
Sincerely, XXXX XXXX Once again they did not follow the Texas Foreclosure Procedures to send a certified letter of the sale within 20 days per Texas laws and 30 days per my contract. I am requesting a copy of the certification that was sent. I am disputing the debt.
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To : Consumer Financial Protection Bureau-Complaint About : Ocwen Loan servicing XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX, FL XXXX In XX/XX/XXXX on the XX/XX/XXXX had property damage due to hurricane Irma. Which Ocwen and its employees then and now have been informed have not been fixed due to insurance denial and now mitigation with flood and litigation with wind insurance carrier. Through a public adjuster the claim for wind and XXXX XXXX XXXX are being handled. We have entered a mitigation process with XXXX and are possibly going to be in litigation if the outcome does not result in damages being covered due to Irma. The President of the United States declared this a disaster zone and gave to home owners a 3-month deferment because of Hurricane Irma. We are still suffering from the effects due to losses by Hurricane Irma.
We called Ocwen after the hurricane hit XXXX XXXX XXXX. Ocwen loan servicing company was able to offer a deferment due to the disaster. We were given a deferment for payments starting in XX/XX/XXXX ending in XX/XX/XXXX. XX/XX/XXXX, we started making re-payment on the re-payment plan. Which we paid first payment in the amount of {$2100.00}. This amount we calculated and submitted as Ocwen had not added anything on to the payment, and the phone system stated the regular payment amount of {$1300.00}. In XX/XX/XXXX we called when an e-mail came from XXXX XXXX stating we were 90 days past due on loan. Our credit had crashed due to this reporting by Ocwen. I spoke with XXXX XXXX ID # XXXX in first week XX/XX/XXXX ; he stated he would take care of this and in two weeks it would be removed from our line of credit. He stated it was something, Ocwens computers do automatically, the reason he gave. He stated I should call back to make sure all things were cleared by two weeks. I did call back to let Ocwen know when this came off our credit, I spoke with XXXX XXXX, he asked after I let him know that credit reporting was taken care ; if our re-payment payments were comfortable or if they were hard to meet. I stated not easy, but we were doing it. We had paid XXXX in XX/XX/XXXX. I had asked why the computer was giving {$1900.00} for payment as that would make the payment short. He had stated the computer had not been updated and the payment should be {$2000.00} I asked, why? {$2000.00}, when the amount should be {$2000.00}. He had no reason. Once again, he asked if the payment was hard to meet. I stated is was not easy, but we appreciated the deferment, and would get it all paid back as required. He stated we could be put in a suspension of payment and have the rest of the deferment payment added to the back of the loan. Would we like to consider this option? I asked questions about this suspension, he stated that it would change nothing about the loan, it would just add the remaining re-payment amount to the back of the loan. I stated I would like to consider this, if nothing would change. He stated he would send the paper work, it should be at the house in less than two weeks. We didnt need to worry about the next months payment in XX/XX/XXXX.
This conversation took place XX/XX/XXXX, he needed me to speak with someone else in the disaster department XXXX XXXX who would go over the same thing as he had and put the request in for suspension of re-payments.
When XX/XX/XXXX came, and no paper work had been received to consider we called and made a payment on XX/XX/XXXX in the amount of {$2100.00}, even though the computer phone system still stated {$1900.00} was the amount of loan repayment required. We paid {$2100.00} on XX/XX/XXXX.
As of XX/XX/XXXX, there was only {$1000.00} dollars left to pay off the deferment payments to be paid and two regular house payments in the amount of {$1300.00} each. We had paid {$8200.00} in payments in four months.
We had met and paid more than requested by our lender Ocwen for each payment. Once we knew what the re-payment amount required by Ocwen was, starting in XX/XX/XXXX we added extra {$100.00} to that amount to pay off faster, thus making sure we were never short.
During these months we had also paid the house taxes {$1700.00}, and the down payment of wind insurance {$1200.00}. Money was tight, but we paid our bills and always have.
We never called Ocwen and asked for lower payments or missed a payment.
President Trump declared each person in disaster areas eligible for 90 days deferment on home loans. This was offered by Ocwen and we accepted this, as a major disaster had hit our Key and our home, and the places we worked, were directly affected by Hurricane Irma, and still are.
On XX/XX/XXXX another e-mail came from XXXX XXXX, once again Ocwen had reported us behind 90 days, I called Ocwen about this and spoke to XXXX. He would send the letter to the creditors stating in declared disaster zone. It would take up to two weeks for this to clear. I explained I knew as this had happened before. He then asked if our payment were hard to meet? I once again gave same answer, given in XX/XX/XXXX, Yes, but we were making it! We were meeting the payment and paying more than asked. He then stated we were in a modification, it had started in XX/XX/XXXX. No, we are not I said. I then stated, we are not in anything, but a repayment of deferment. I then explained we had been offered a suspension ; but never received the paper work. Then I explained to him how another employee said not to make our XX/XX/XXXX payment. We did not follow the other employees advice. We are current on our payments. XXXX re-stated we were in a modification ; we needed to sign the paper work.
I asked him what a modification was as we did not want to sign anything that would add onto our loan or add more money onto monthly payments. He stated the amounts left for the deferment would be added to the back of the loan. Nothing would change. I asked why hadnt we been told about this modification? He had no answer. He would e-mail me the modification, print two copies sign both and send them in. I stated once we read them we would let Ocwen know. He reassured me there was nothing going to change in our payments or any other cost being added, this was being done to help us. It all sounded good, I restated only the remaining {$1000.00} would go on the back of the loan, and we would go back to normal payments. Yes, he said, that is what will happen. Dont worry ; he stated. I asked why this had been changed to modification as we were offered a suspension of payment plan. XXXX stated this is the program Ocwen uses for deferment, suspension of re-payments/modification and how Ocwen accomplish the suspension repayment for people in our situation. Who were not delinquent ; but had been in a deferment from a natural disaster. I explained we did not ask for suspension /modification and that we were making all payments. He re-stated that the modification had already been done. XXXX XXXX then stated ; we needed to sign the paper work. I stated to XXXX again we had never received any paper work from Ocwen. I asked again why had Ocwen started a modification without us signing anything. He then informed me that the account was behind and that is why reported it had been reported to credit bureau.
I explained we were on a deferment arrangement due to the Hurricane, not a modification and we had not missed a single payment. He explained the modification had already been applied to account. How could that be I asked again. He put me on hold came back and stated Yes, we were in a deferment, but it had been changed to modification ; which is the same as the suspension. I re asked what a modification meant. It meant the payments left would be added to the back of the loan. I stated that would be {$1000.00} was all that was left of deferment which would be divided over the next two months we would be done in XX/XX/XXXX. He stated that was correct and that amount would be added to back of the loan. He needed to e-mail me the modification paper work to sign. I asked again if this would change anything about the loan again.NO, only extend the payment amount left on the rear of the loan. Not to worry. I asked if any other things would be added onto this modification, as we were supposed to have a suspension done. XXXX once again insisted this is what Ocwen, used in cases like ours. Dont worry, nothing will change in the loan or how we pay the loan or insurances or taxes.
When we got the e-mailed modification after reading the modification, we felt like we should not sign it. So, I called Ocwen again with my husband listening, I spoke with XXXX XXXX, she was with the disaster program like XXXX, but XXXX was not available. I asked her just like I had asked XXXX and each person involved in this suspension/modification process. Would we have to escrow. NO, we were not in a real modification, this was a suspension, this is what Ocwen uses for deferment cases like ours. I asked her about the terms changing of the loan, only that the remaining amounts for deferment would be added onto the loan as we had paid all other payments. I explained that this was for XX/XX/XXXX and we had already made XX/XX/XXXX and XX/XX/XXXX payments. She stated the modification would start from date signed, and that the months left would be added to the rear of the loan. I explained the problems we had had with Ocwen when they took over servicing our loan from XXXX, and that Ocwen had never purchased the insurance they forced placed on our home, even though original loan did not require wind insurance. After a year and a half Ocwen sent a check for over {$5000.00}. I called Ocwen about the check and was informed Ocwen never purchased the forced place wind insurance. I was then told we needed to buy that insurance. XXXX, re-stated ; nothing would change in the loan, no escrow would be added, my husband had listened to the entire conversation. I stated again we were not sure we should sign the suspension/modification papers. Do not worry, nothing will change, this is only adding on what you have left of the deferment to the back of the loan.NO, worries XXXX stated, it will all be fine. We both believed her. So, we did sign and mail the modification. Both believing that only what we had left of the deferment {$1000.00} would be added to the back of the loan as all other payment had been made, and that we would not have to escrow anything.
All lies, and devious and corrupt people. We really needed one thing to go on without a hitch. It was bad enough being taken advantage of by our insurance companies, now our mortgagor also. Then things got even worse. Ocwen did some fancy accounting.
They took {$4000.00} dollars and moved it to the back of the loan. The deferment payments we had made they took {$1500.00} and applied that to the principal of the loan, then the rest they applied to one mortgage payment. {$9.00} of that money we cant find.
So, as of this date we are a month ahead on our mortgage payments. We owe over {$3000.00} in Escrow and need to pay {$1800.00} dollars now. Then our payment in XX/XX/XXXX will be {$1800.00} also. Unbelievable, what a corrupt loan servicing company they are.
In the first week of XX/XX/XXXX I received a call from XXXX XXXX, they service our wind policy. They wanted us to know Ocwen loans wanted to pay the insurance. XXXX told them no. This company knew Ocwen charged us and never bought a policy before, that is how they came to be our insurer. I called Ocwen to see why they were trying to escrow as we always paid our taxes and insurances. XXXX stated, well, you signed a modification and have been 6 months behind on payments. I said really, that is a lie. What payments did we miss? XXXX told me it was too late we had signed the papers, I said then we want them annulled as this is not what Ocwen or your employees stated, this was not a real modification but a suspension. XXXX, XXXX told me to write a letter to the review board. Who? Send a letter to the Escrow review board. Why? I stated, this entire modification is a corrupt lie, I wanted to yell, but didnt. She just stated, you signed papers live with them. We had been duped, lied to and now we have another company to fight. But, how corrupt they had been we were just starting to understand. Ocwen was trying to cover their tracks, and applied monies in ways to make it appear like we were in arrears, that we needed a modification. We did not need a modification! Nor did we ever ask for one! We were interested in a suspension, but those papers never came. We could make the payments and did make the payments. So, follow the money, our payment history is enclosed.
XX/XX/XXXX payment was made in the amount of {$1300.00}, the phone system stated no payment until XX/XX/XXXX. After making XX/XX/XXXX payment the phone system stated no payment due until XX/XX/XXXX. XX/XX/XXXX payment told no payment due until XX/XX/XXXX. XX/XX/XXXX we now know the payment with escrow will be {$1800.00}.
Ocwen employees kept asking was the payment okay, was it comfortable. Well, we now really know those are tactics used to align their customers. Had we asked for a modification I think we would have asked for a lower fixed interest rate. Normal payment $ XXXX@7.25 interest, and now the payment will be {$1800.00}, and probably go higher as the interest rates adjust and insurances are added. We continued to call Ocwen and asked how to get the escrow off the account. I spoke with XXXX XXXX during one of the calls in the first week of XX/XX/XXXX. I explained everything to him, and he was going to put a do not collect letter on account for insurances and taxes, as he had look at the accounting and could see we had never missed a payment and all policies and taxes were up to date. It was through XXXX that I became aware of Ocwen fraudulently distributed the payment money to principal and making a payment that moved our mortgage a month ahead. Ocwen took the entire {$4000.00} what 3-month mortgage payments equal and moved it to the back of the loan. Not the {$1000.00} we owed, that we had been assured would be the amount put onto the back of the loan. Why had Ocwen done this, I asked, XXXX ; he could not say. Why had they applied {$1500.00} to the principal, once again he stated he did not know why. He did state we had an overture of monies after XX/XX/XXXX payment and Ocwen applied part to principal and part to the mortgage payment, this made our account a month ahead. Why had Ocwen not informed us? XXXX did not know why. Why, was this money XXXX and {$1300.00} not applied to the amount owed to make the amount moved to back of loan lower? Why were these payments not taken off the amounts owed, as we had paid them to be used? All we owed as of XX/XX/XXXX was {$1000.00}, I stated. XXXX had no answer. How can we be late on payments? Like Escrow keeps stating? XXXX could not answer this either ; he would get back to me.
I stated this overture and misapplying payments by this farce of a loan servicer Ocwen, and this fraudulent modification, has put our payment history a month in advance, but we are delinquent, I stated? Yes, XXXX replied. This is not possible, I told XXXX. Why did we not get any accounting of this? XXXX was going to investigate things ; and I should call back in three days. Had I not spoken with XXXX and asked why no payment due until XX/XX/XXXX after making XX/XX/XXXX payment, it could have been months until we caught this fraudulent accounting being done by Ocwen.
Nothing employees at Ocwen said was true about the suspension/modification. Even the moto of Ocwen helping home owners is what we do is the biggest farce I have ever heard.
Things though just started to heat up. XXXX had asked that I wait 3 days and call back to make sure the do not collect request was completed. I did call back in three days, and got the run around by many employees, finally an escalation member at Ocwen, XXXX XXXX took my call. After explaining everything to him, he had stated he could not do anything, the papers were signed, we had to escrow and that was it. We hung up. XXXX called me back a little while later, he had reviewed things and was putting a waiver, NOS into the Escrow department. He needed 5 days to see what he could do about getting thing completed? I should call him in five days at the number he gave me. We did play phone tag for a few days, when we finally spoke he needed 10 more days. This we feel was a way for Ocwen to have time to purchase our insurance, put it in escrow then call us delinquent. After 10 days I called XXXX ; his pleasant helpful attitude was gone, you are being escrowed for everything, and then he stated ; you are six month behind in your payments,. He said. Once again, I told him the amount of all payments and all other insurances and taxes we had paid. XXXX tried to back track his statements, then he got quiet, I ended the call.
A letter came from Ocwen, it was a denial of waiver for escrow, imagine that. The company that had been maneuvering things to make legit people who have never missed a payment in 20 years, seem like we were delinquents and a loan risk. The letter stated we were being denied because of poor payment history for the last 12 months. Really the deferment can not count so where do this bad payment histories come from? It also stated we had modified the loan in the last 5 years. No, Ocwen had started that process all by themselves, duped us through deceitful employees into this farce. The loan to value must meet state/investor/Ocwen guidelines. The original appraised value compared to current principal balance would need to be reduced to meet LTV requirement. Really, where did these numbers come from. If this is true, then how could a modification be done since the house has damages that still await being fixed from a natural disaster and Ocwen and their employees all know this from many conversations. Conversations that each time stated ; this call is being recorded.
When you follow the money, we paid our payments, this suspension/modification was not asked for by us, and it was insisted on by employees of Ocwen, for Ocwen.
In the first week of XX/XX/XXXX when I found out most of this information. I asked that the modification be annulled. I was told, No, by the Escrow department. XXXX XXXX Who also stated he was a loan servicer. Who knows what department he really works in.
Ocwens paperwork shows they had been aligning this account since XX/XX/XXXX without any papers or our signatures to do so. If we had not made the payments like Ocwen employees insisted in XX/XX/XXXX, for XX/XX/XXXX payment where would this all be now? Ocwen could have taken our home, and that is what we feel Ocwen is trying to do now through ; fraudulent business, banking and accounting practices, and this should also be recorded as I have stated it very often when speaking with Ocwen employees.
We thought the deferment a blessing, boy were we wrong. Just to clarify we have not missed a payment in 20years. Deferments do not count in this history from what the credit reporting industry has stated and written, as Ocwen employees stated they did. Maybe I should call XXXX, XXXX and XXXX? Oh, I already did, deferment can not be used in credit evaluations in declared disaster zones by the President. The loan to value, has not gone down. How do we know? The home value didnt tank in the recession. We had more than 100 k equity during the recession ; pretty sure it is the same now, even with damages. Why? Because the location is in the XXXX XXXX! We have damage, but a hurricane impacted house cant be appraised, can it? Once all repairs are finished and all claims settled, the house value will be almost 2 times the loan value. It is at least 50k to 100 k above that in current condition. This house and many in our area are awaiting repair and still part of the disaster zone declared by the President. Just where did you Ocwen come up with these number to state home to loan value? Did Ocwen just get creative with numbers again? Your accounting has not shared with us what you did with house payments we made. That was done without our permission, or knowledge. So, should we trust Ocwen in these statements of our value of the house.
Ocwen send your numbers and the method used. Also send complete accounting and how you used money paid, the reasons. Why, and how we are ahead and delinquent at the same time. We want that accounting and a complete escrow accounting from the start of last year in XX/XX/XXXX until after the suspension/modification XX/XX/XXXX. We do not trust Ocwen now or the numbers they proport.
We do trust local realtors who gave me assurance that our house is worth more than the current loan, in its current hurricane damaged condition.
For the record I did call after receiving the escrow letter to denounce all the misinformation Ocwen tried to allege in the decision to escrow our account. I spoke with XXXX XXXX and referenced the letter XXXX, what a not so lovely person she was to speak with. She insisted we had missed 6 payment, complete lie, she insisted we had no previous positive payment history. I countered never late in 20 years. She stated you signed this paper work, and your home taxes and insurances will be escrowed. Nasty person she is. I schooled her on the fraud being done in the accounting and how Ocwen tried to make it look like we were behind. She almost yelled you were behind for 6 months. I stated she was a liar and that she would be named as a person committing fraud by saying such. XXXX stated we had missed XX/XX/XXXX-XX/XX/XXXX payments. What a foolish thing to say. I stated, we were never late. Her attitude was starting to rattle my nerves. I asked her where she got that information and was she sure ; as this had better be being recorded. XXXX then tried to re-tract her statement. I explained she and all other employees would be named when I sent this letter to Ocwen ; then filed it and all letters and statement and my bank statement with government agencies. I informed her that insisting we were delinquent and basically a risk did not make it true. I informed her by saying such she was defaming us and part of the defrauding we felt was being done Calls from Ocwen do not show Ocwen on the caller ID, instead they appear with two letters and a dash then 3 numbers. An example ; the last calls from XXXX, came under the caller ID, FL XXXX. I asked why calls from Ocwen were coming up on the caller ID this way, he could not give a reason. The same thing happened when the insurance department from Ocwen called my husbands cell. XXXX was on the caller ID. We had contacted the insurance department and asked them if it was necessary to be escrowed, we had explained how Ocwen had been late on many XXXX and never purchased the wind policy. They called in with this number and left a message, a message we did not get for days. Since Ocwen did not appear on the caller ID as usual why should we think a message had been left. We figure it is another bad business practice being done by Ocwen and their employees.
As of this date XX/XX/XXXX we are one house payment ahead, Escrow shows we owe over {$3000.00} with XXXX due now from what we can understand of the escrow account.
Payments made by us XXXX We made the down payment on homeowners insurance in XX/XX/XXXX {$300.00}. Ocwen contacted XXXX through XXXX XXXX and paid {$1100.00}, stating they had the right since the loan was modified. We got our down payment back. We have made our down payment, then quarterly payments for XXXX coverage for 20 years.
XXXX has been escrowed since the first force placed wind policy, that was never paid or bought by Ocwen. The letter I recently received states Ocwen has not paid XXXX flood. It asks that we remit payment or contact my loan company to make sure payment has been made. This is nothing new, for 3 years I would buy the XXXX policy, then once Ocwen finally paid late by 1-3 months or more, I would get a refund for my payment. This is provable through XXXX XXXX insurance, as they have been our Flood insurance company for 16 years. As stated in the first paragraphs of the letter ; we paid {$1200.00} down on Wind policy in XX/XX/XXXX, the second payment of {$600.00} in XX/XX/XXXX. We will pay the next payment in XX/XX/XXXX, and the last payment XX/XX/XXXX. House taxes are paid in full {$1700.00} plus dollars.
Ocwen has never payed these items nor do we need them paid or escrowed, as we are not any of the thing described in their Denial of Waiver for Escrow letter and basis for the decision not to waive escrow or annul the fraudulent modification. Which we were assured by Ocwen employees, would only be the remaining balance {$1000.00} added to the back of the loan and no escrow.
XXXX how 3 employees used the same exact words, they all three stated the same things. That three employees stated the same exact words when telling us that the suspension/modification is what Ocwen uses for cases like ours from deferment. That we had no worries, that all terms would be the same. Sounds scripted now that I think back.
Unfortunately, being emotionally exhausted for months and mentally drained because we have just gone through a category 4 hurricane aftermath. We are fighting insurance companies, their adjusters, engineers, daily weekly and monthly for 8 months straight. As we fight to protect our investment and get the property fixed. We really believed Ocwen, was trying to be a light in the darkness, they turned out to be the extinguisher of all light.
XXXX XXXX XXXX resident XXXX XXXX XXXX Fl, Owner of property serviced by : Ocwen financial Company
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- Mortgage
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- Struggling to pay mortgage
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Additional Complaint Addendum TO - XXXX XXXX XXXX XXXX XXXX XXXX ( Main Office ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Under NJ Rev Stat 2A:50-56 ( 2016 ) P. 11 - ( 11 ) the name and address of the lender and the telephone number of a representative of the lender whom the debtor may contact if the debtor disagrees with the lender 's assertion that a default has occurred or the correctness of the mortgage lender 's calculation of the amount required to cure the default.
The New Jersey Courts required Ocwen Loan Servicing to refile the Notice of Intent to Foreclose with the True and Correct name and address of the Said Lender. Ocwen resubmitted the the requested document and Claimed the lender was XXXX XXXX XXXX XXXX XXXX XXXX NY.
I Sent a Formal Complaint to the address and after a number of Attempts by the USPS the Item Was Delivered. We also stipulated that if they did not reply that we would Rescind the mortgage and nullify the Contract. It has been over 3 Years since the attempt to communicate with the Lender as stated on the Notice of Intent to foreclose by NJ LAW 2A:50-56.
In the Last week I have contacted the CFPB and made a number of Complaints including Complaint numbers XXXX ( OCWEN ), XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ).
On XX/XX/XXXX The CFPB Formal requested the Answer from the our complaint, The Company responded the complaint does not belong to them. ( XXXX XXXX XXXX ) NOTICE OF INTENT TO FORECLOSE STATED THAT THE LENDER WAS XXXX XXXX XXXX XXXX XXXX NY - THUS THIS COMPLAINT SHALL ALSO BE ISSUED TO THEM AS THIS IS A LEGAL REQUIREMENT IF XXXX XXXX XXXX COME BACK AND CLAIM THEY ARE NOT THE LENDER THEN OCWEN HAS COMMITTED FRAUD AND DECEPTION ANLONG WITH UNDER LAW OFFICES AND XXXX XXXX XXXX WE HAVE NOT BEEN ABLE TO DISCUSS OUR ISSUES WITH THE SERVICER WITH THE LENDER AS REQUIRED BY LAW.
I XXXX XXXX, of XXXX XXXX XXXX XXXX, New Jersey along with my Daughter as Trustee to my financial estate and whom holds full power of attorney, hereby serves you notice of the following complaint [ s ].
I XXXX XXXX on this day, XX/XX/XXXXhereby request for Ocwen known as the Servicer, and XXXX XXXX as said Lender to examine and respond to all complaints, under the Fair Foreclosure Act, and any other acts including Municipal, Federal and state laws of New Jersey, Florida and New York.
Whilst this complaint is under investigation and the time given to respond ; you are requested to post a moratorium of foreclosure and delay any activity with any sheriff sale until further notice. ( Currently set forXX/XX/XXXX ) As previously noted in past communications any such delay, failure or other attempt to ignore these complaints shall accelerate any actions prepared. Additionally, The CFPB and other Agencies have duly been notified. A copy of this communication has been submitted into evidence with these said agencies.
This Complaint also is Against XXXX XXXX XXXX and its Activities on your behalf. We would like to let [ ocwen ] you know we have already filed Complaints against your counsel with the New Jersey Bar. Once all legal proceedings and foreclosure activities are terminated, an Investigation will be conducted independently by the New Jersey bar Association. As such, any replies via XXXX will be deemed tainted and a conflict of interest.
COMPLAINT One ( 1 ) : XXXX Forced Place Insurance.
We would like a full investigation, and either a Reduction of costs with regards to forced placed Insurance. In addition to, the consistently increasing cost of insurance that does not cover or replace anything with the property in question. You were requested for an amount that is said to be distributed to XXXX However you have failed to properly disclose if the funds were properly transferred and used for Insurance purposes.
We have previously requested help from the insurance company and were denied. However, when we approached an independent insurance agency they said you had received a distribution? - However this was not distributed to the homeowner ; why, and to whom?
Furthermore due to the continuing escalation of the problems faced after Hurricane XXXX the Roof and Guttering and areas around the house, including the Garage have completely collapsed.
The Roofing Shingles have completely been blown away / stripped off the roof, 90 % occurred from Hurricane XXXX yet even though we felt the full force, you claim that we were not in an area that was affected. This has caused continuous leaks in various parts of the house. Including the collapse of the hallway ceiling, in which we have already fixed and replaced ourselves.
You have put us in a position where we can not obtain 3rd party insurance because of the problems that already exist which your insurance company does not want to fix. As such we have given up discussing anything with the Insurance Company over the last 5 years, as they are useless and uncaring.
InXX/XX/XXXX a summer storm destroyed a Kitchen Skylight, which leaked and fell into the home, as homeowner I hired a private contractor and filled the gap left by the collapsing skylight, the leak created cracks in the Ceiling and still have yet to be repaired.
The Insurance Company said they were not prepared to pay for the issue, because the Fix had already taken place. Under the circumstances it was either that or have a giant hole allowing the elements to run wild inside the house. Yet for some reason a 3rd party insurance system claimed the funds were distributed anyway ( see other complaint ) So the question is why should you have the ability to claim the Insurance charges if they do not provide a service to repair any issues at hand? You have previously chosen a sister company that fails to provide any service and yet charge up to 3 times as much? - Possible Criminal Activity.
As you have not provided any repairs to the house, resulting in the value to be sharply affected, you [ Ocwen ] and XXXX / XXXX XXXX XXXX XXXX have failed to provide any service or return. Thus we would either request for you to fully repair items that are wrong to be fixed and replaced, thus putting the home into livable and economic prosperity.
As you [ Ocwen ] are claiming that we owe the costs of insurance [ XXXX et all ], and if we come to an agreement to modify the mortgage, then in your minds eye we have been [ already ] charged for the service in question.
Furthermore the homeowner never received any payout from the class action lawsuit filed against Ocwen, XXXX et al ; Case No. XXXX Thus in all aspects you still owe 12.5 % of all funds being requested.
However If you fail to repair, replace and finally get someone to fix those issues then we request 100 % of those funds and charges to be removed. We should not be liable for payment and accept the charges for nothing being done. One has to receive a product or service. Thus you and your insurance company are proceeding to partake in theft, you have received money ( via escrow ) to pay XXXX and others, for them to do nothing when required COMPLAINT TWO ( 2 ) : Intentionally Delayed Court Actions.
During the 7 year battle within the New Jersey court system at least 3 of those years were beyond the control of the homeowner. Ocwens legal agent and Representative XXXX XXXX XXXX intentionally sat on their hands for over three years. They continued to do nothing. There was such a delay even the court responded with the threat and action of dismissing the case.
During the period of legal recourse it is the responsibility of the Plaintiff [ which you claim to have been ] ; that indeed the plaintiff had no activity and the court sent many warnings over this time. Failing to respond, the court dismissed the case Due to Lack of prosecution not once byt twice twice. XXXX XXXX XXXX then had to file motions and send representatives to court on multiple occasions increasing legal fees, unnecessarily a burden upon the homeowner. The defendant lost time from work, overtime and caused undue stress.
If you would have acted properly and on time, we would have never had to go through such action. This was not the only occurrence it happened twice. With one being completely dismissed, resulting in a request to reinstatement.
Please tell us why we should pay for any of the legal costs, if you or your legal team were not even prepared to take action throughout all these years? We had to spend our time, effort, money and health waiting for you to just answer simple questions and take appropriate actions.
COMPLAINT THREE ( 3 ) : QUESTIONABLE OCWEN EMPLOYEE ACTIVITY We further wish to complain that you are allowing and accepting your employees to freely give insider information and help foreclosure attorneys. Such as the Use of an Employee called XXXX XXXX XXXX She had worked at your Florida Office then Moved to the Offices of XXXX XXXX.
We have transcripts from a conversation between ourselves anXXXX XXXX holder admitting she worked for them. What makes matters worse is that she was involved with our own account. We believe this is a conflict of interest.
As such you are now fully aware of this happening, You had freely supplied her name and information during the discovery process, and we have enough evidence to move a complaint in criminal court.
However we could come up with an amicable solution. If you work with us on a modification that 's workable and sustainable, under terms agreed by both sides, by virtue of examining any counter offer.
You are claiming that we owe a total of XXXX Thousand dollars as of this date, for a property valued at just over XXXX Thousand* in good condition. The Market for this house in this area is between 98 and 110 Thousand in current condition, and lets be realistic here, no one with any right mind, investor or not, will be willing to spend the XXXX Thousand minimum you are asking at Auction and spend another XXXX Thousand fixing it.
If you fail to agree to at least examine any counter offer from US then we reserve the right to continue legal action against Ocwen and XXXX for the foreseeable future either through Criminal, Bankruptcy ( Federal Court ) / and the filing of a separate civil case of Wrongful Foreclosure. This could take years and an additional half a million in costs. This would be a grand total of about 1 Million in losses. As a stock holder I would love to see how fellow stock holders would view this. I would be willing to write and publish an open letter to all stock holders claiming you would rather spend XXXX Million Dollars fighting for a XXXX thousand property.
NOTE : This would be public knowledge and of public record. This occurrence will be a negative reflection on the title, thus any purchaser considering obtaining a title search shall see such activity and will fail to even agree to any sale above $ 100k. Thus it would be better for you to agree to fixing the issues and reducing the amount owed. Cleaning up the problem and apologizing for allowing your staff and legal representation to corrupt the course of justice, especially after you rehired XXXX XXXX a few years later.
COMPLAINT FOUR ( 4 ) Improper Actions with XXXX XXXX XXXX The Forced and Faked Modification If you check your records, that 's if you have been keeping them up to date, you should be in receipt of a Cease and Desist order from us, as you had filed one against us prior. This swap of C & Ds are all concerning a set of emails from one of your representatives communicating with XXXX XXXX XXXX along with being ccd to myself and my daughter XXXX.
We responded by asking what modification? ; as we had not signed any declaration, nor attempted to signal any intention to modify at that time, As we were still in litigation.
It also said that you had received payment for the first deposit, yet we had no idea of the existence of such modification and clearly did not set up any type of modification payment plan during this period of time.
We would like a proper investigation, and explanation of why you and XXXX/Ocwen tried to commit a criminal action, forgery, deposit and got caught doing so. We would like you to find out why your Legal team is clearly faking information for the benefit of your company. We hold the evidence and we have the emails, so you should either work out a favorable solution or if you take further foreclosure action we will start a criminal case against you.
If we are not satisfied by the outcome of this Complaint will be proceed to file Criminal Court complaints, if you do not properly investigate the contents of this communication. The statute of limitations starts when you proceed with this foreclosure. On an Additional note ; We have already been given the go ahead by the New Jersey Civil Court System that this is a criminal action and would have to file it within the criminal justice system. So we Request you take this complaint Seriously.
Our question to you is do you want us to conduct such activities On XX/XX/XXXX Followed by a wrongful foreclosure civil case and a Federal Bankruptcy case do go along side it. We have the Case Information Statements and fees on standby. Its your call We also know the Names, Dates, Times and places so Discovery wont be too burdensome on your behalf.
COMPLAINT FIVE ( 5 ) NON-RESPONSE From Lender XXXX to QWR of NOI The New Jersey Courts requested a proper Second updated Legal notice of Intent to foreclose. The Lender as stated on the Notice of Intent [ NOI } was Contacted via a QWR ( Qualified Written Request ) within the permitted dates allowed by law, as of this date there has been zero contact from the Lender in due course.
As a part of this complaint filed under all statutes of the Fair Foreclosure Act and the Fair Debt Collection Practice Act, Both at Federal and all statute laws of New Jersey ( Homeowner ), Florida ( Ocwen ) and New York ( XXXX ) ; we once again issue this complaint as an additional QWR written request for a full and valid reply from XXXX XXXX XXXX, titled as lender, on the qualified Intent to Foreclose or XXXX XXXX XXXX XXXX XXXX XXXX We ( as consumer and customer ) - have the right to demand that we have direct communication with the Lender, especially if we have problems and issues with the Servicer [ Ocwen ], so please provide within 14 days the Name and Contact address, Telephone Number, Fax Number and Email Address of the Bank.
If you can not provide a qualified response as per the Notice of Intent to Foreclose and admit the information you published is wrong, please let the court and the Sheriff of XXXX County know you either made a mistake in completing the Notice Of Intent and that you admit that we [ Homeowner ] were disenfranchised.
That 's the most honorable thing you can do right now. We could then Go back into court assisted Mediation and sort out this problem.
If you can not obtain the requested information of the XXXX as the Lender, please consider this complaint a part of the legal requirement for you to provide the following information : 1 ) The Physical Address details of the Contact within XXXX.
2 ) Account number of our Account at XXXX XXXX, 3 ) Location of the account and which officer looks after the account.
4 ) Who our contact is at XXXX XXXX Name, Department and Location 5 ) What is the XXXX Agents Contact details, Telephone, Fax and Email With these Details we should solve the situation rapidly. Instead of heading back to court for Wrongful foreclosure, which we promise we will file in any attempt to proceed with the continuing foreclosure.
* The Notice of Intent to foreclose gives the homeowner the right to communicate and resolve any issue, thus we have an issue with Ocwen, its legal Representation and the Bank itself. You are already in receipt of the original letter sent to all parties, if you ignored or lost that letter we recommend investigating your attorney as they received a copy as well.
We actively communicated with the Lender via the information provided and no response was forthcoming. We reached out to you to provide a go between to the Lender and for them to communicate with us in due course, as a courtesy we would gladly give you an additional 31 days to communicate with XXXX XXXX to obtain a certified letter/ response. We request a certified response from XXXX XXXX within 45 Days from Receipt of this certified communication. ( XX/XX/XXXX ).
Everyone knows how Loan Securities work now, its no secret and the Bank is n't at a loss in CASH, So as trustee XXXX also has the ability to decided and tell you [ Ocwen ] what you can do, as they hold the power to adjust the rates, costs, prices and values. They also have the ability to forgive any past debts especially in actions like this.
We are not looking for a free house we are looking for a mortgage that is true to the real value, not the exuberant and vastly increased total of nearly Half a Million US Dollars. caused by your negligence and activity, which started by not accepting a single late payment of less than {$200.00} COMPLAINT SIX ( 6 ) Miscellaneous and Erroneous fees, Service Fees and Interest It has come to our attention that you are charging fees on a regular and ad hoc basis, where as you are charging for services such-as maintenance. Yet the house is occupied and in use, so there is no way you or a 3rd party can be actively doing maintenance on the property, as there has been a person located at the property for the last 28 years and no outside entity has conducted such maintenance to occur.
In particular in the recent invoice a {$510.00} Dollar Charge consisting of XXXX Maintenance charge, there has been no activity that permits such charges.
We would like for you to examine and provide proof that shows every single debit charge
that has a 3rd Party attached on the account and that those charges have truly been completed, transferred and actually obtained for the reason of the charges between the dates of inception of this Mortgage. If you can not provide the Evidence that all 3rd Party / Extended charges have been completed as required, then We claim that some of those charges are misleading and abusive in nature. COMPLAINT Seven ( 7
) XXXX Foreclosure Moratorium During the course of the court action XXXX XXXX promised to conduct a moratorium of all foreclosures that the bank had interest in. This was published in the Filling of their SEC Report in XX/XX/XXXX.
More Information can be found in the many pages online at the following URL : Search : XXXX XXXX XXXX XXXX XXXX XXXX The Issue is during this time you continued to proceed with the foreclosure and legal activity. Thus we would like to know if XXXX XXXX had any interest in our Home and the case at bar, and why you did not proceed with following their wishes which were made public?
Did Ocwen look the other way about this situation? Did your attorney not follow XXXX wishes? If you claim that the moratorium did not qualify for our loan you then clearly admit that XXXX has no Interest in this mortgage ; thus Not the Lender? Is this what you are saying? Thus you are conducting a wrongful Foreclosure.
Complaint Eight ( 8 ) Abusive Photographers and Trespassing There have been a few close calls with our family and the photographers you use to take monthly images and examinations. one occurrence 2 years ago, my Grandson was playing outside under the trees when we noticed someone stopped out front taking pictures, as you may be aware it is illegal to take photos of minors without permission anywhere, you have to obtain parental consent which we do not.
On approach he gets into his car ( silver ) and then approaches the driveway ( Trespassing Occurred at this point ), he became agitated and abusive, swearing for us to get out of the way, and that he was acting for OCWEN. I went inside to get my daughters phone to attempt to video him, he said Oh what you going to put that up on XXXX XXXX are you? and drove off at speed.
The other time my daughter had approached the vehicle that was parked in our driveway blocking her exit, and we said we do not give you permission to enter the grounds and that they were trespassing, and once again the communication was profoundly expletive.
As such we decided to put up cameras this year to make sure if it happens again and we catch them, we will call the authorities. We consider this harassment, and also attempting to photograph minors without consent is criminal, which you are paying for.
In a separate incident more recently at least 2 members of the public have attempted to examine the house driving up the driveway and attempting to look around. Please note if further activities continue, we will consider you accepting these occurrences as acceptable ; thus by virtue allowing and supporting further harassment.
CLOSING Comments Whilst this complaint is under investigation and the time given to respond you are requested to post a moratorium of this foreclosure sale. We request you to delay activity with any sheriff sale until further notice. If you do not delay the current foreclosure sale and n
otify the homeowner byXX/XX/XXXX, we will prepare to file legal paperwork for Wrongful Foreclosure and we will also file Criminal Charges with the local and state Police Departments ( Fraud Division ).
Failure to respond to all complaints set here in, or ignoring this communication in full or in part and Failure to respond to all requirements as protected under all such applicable laws including contractual law shall be a breach of contract.
Dates : [ ] You [ Ocwen ] hereby agree to forfeit all claims and contracts If no Action and Reply is forthcoming Certified by USPS ByXX/XX/XXXXthis will automatically be enacted on XX/XX/XXXX. [ ] This communication / Complaint is being mailed on XX/XX/XXXX - Overnight. [ ] Ocwen ( You ) shall receive it on the Afternoon of XX/XX/XXXX [ ] You have up to XX/XX/XXXX to stop any foreclosure activity If you require additional time to conduct your investigation You may be
granted additional time for both internal and external investigations only on receipt of a USPS Certified Letter of your activity postmarked Prior to XXXXXX/XX/XXXX.
[ ] If no action is taken by Ocwen and/or XXXX By XX/XX/XXXX, The Homeowner Rescinds the mortgage and claim you have purposely removed yourselves from the contract, you will have no right to continue a foreclosure proceeding beyond this date.
[ ] If you agree to investigate and delay the Foreclosure sale you have up toXX/XX/XXXX for Ocwen to Fully Respond to these Complaints in writing. Please note phone calls or emails are not permitted. Only USPS Certified mail will be accepted.
[ ] If you need Further time you must also contact the Homeowner ( SEVEN ) 7 Days before the Date of any future foreclosure sale, you have the ability to change the date as many times as you so wish to provide the best possible information and proper investigation.
[ ] Once you have conducted a thorough investigation and the homeowner has received communication from XXXX we will consider this an acceptable outcome. Once we have had the chance to speak to a representative at XXXX XXXX as the said Lender, then we can formally file the Complaint with the Lender and not the Servicer applicable by federal law, we shall then request to hold Mediation in XXXX New Jersey [ ] We Also Require by XX/XX/XXXX - that you have sent a copy of this complaint to XXXX XXXX and show proof by CCing the Communication to the Homeowner of what you Send { OCWEN }. And wait for a Full reply from XXXX XXXX, if you receive a reply that you shall send the Unedited copy stamped when you received this communication from XXXX to the Homeowner Continued ..
NOTES and other comments.
Note : This Communication has also been sent via USPS Certified mailing to the original sender, sealed and secured as Evidence in any further dispute.
Note : We are willing to go to the press and media, we have already been contacted by a few who are interested and wish to run a story. However we have held off until you attempt to foreclose without fixing all issues at hand.
Note : You are publicizing that you are conducting a Summer
of Help and Hope, please show us that you mean it by acting in good faith and do as your slogan says Helping Homeowners is what you do. Note : Furthermore Oc
wen announced it would sell its mortgage servicing rights to XXXX XXXX XXXX XXXX, a wholly owned subsidiary of XXXX. The sale, which includes {$110.00} billion in unpaid principal balance, we would like clarification with a ) did you [ ocwen ] as a part of that sale included any of the interest in this loan and b ) if you did include the sale of rights to this loan, then when did this occur? To continue to act as the servicer you must provide details that this account is still under the contract with Ocwen Loan Servicing and not another party.
ATTACHED DOCUMENT : THE ORIGIONAL mailing of complaints active
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| 05/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I took out a loan through XXXX XXXX XXXX XXXX XXXX. At the time of taking a mortgage loan I was and am still on Social Security XXXX. The loan I received was one of those No employment verification, No Income verification, No Banking verification. See the Uniform Residential Loan Application Exhibit 4. At the time I received this mortgage I had personal income from Social Security XXXX and a small pension, which amounted to approximately {$1500.00} per month. The payment for this mortgage was approximately {$1100.00} per month. My wife was not on this mortgage and her income was not included. I paid on this loan for 5 years. ( I have approx {$80000.00} into this property, loan payments, repairs, upkeep ) I quit making payments in the first quarter of XX/XX/XXXX. I contacted XXXX who is a sub servicer and OCWEN as the master servicer and asked them to take the property back and was told they could n't. I was also told that if I were to stop making payments they could probably help me with a modification. I did n't understand why stopping payments would probably help me get a modification. I told them at first, it would be easier for me to just give the property back. They said they cant take it back and it is n't that easy. They said again, if you stop making payments we can assist you in a modification. I gave them permission to send me a modification package. I finally received there package. I returned it and followed up at a later date to check the status and was told that they did n't receive it. They sent me another package and I followed up again and was told that I was missing some information. I received letters of denial dated XX/XX/XXXX and XX/XX/XXXX. See Exhibit 4. During the first XXXX mandatory mediation in XX/XX/XXXX, I was also denied another modification, this time for Post Modification DTI Outside Acceptable Range. We are unable to offer you a Hamp modification for the following reason. In performing our underwriting of a potential modification, we determined that the proposed modified monthly payment which we could offer you was outside the required range of 10 % -55 % of your monthly gross income which we verified as {$2000.00}. Your modified monthly housing expense must be equal to or greater than 10 % and equal to or less than 55 % of your gross monthly income in order for you to be eligible for Hamp. See Letters from XXXX, Exhibit 4. I sent the Servicer two Qualified Written Request dated XX/XX/XXXX and XX/XX/XXXX. I asked who the Holder in Due Course was and got an answer back from XXXX informing me who the Investor was, which was GMAC. I did n't ask for the investor name and they did not tell me who the holder in due course was. In those QWRs I asked the Servicer ( XXXX is the sub-servicer ) who is the current holder in due course and owner of my mortgage note that has legal standing to foreclose in the State of XXXX. I also requested the MERs Milestone reports and XXXX website for the Pooling and Service Agreement and exact name of the issuing entity along with the Master Loan Schedule. My point is, the Servicer never told me in their response to my QWRs who the holder in due course is. XXXX did not tell me who the holder in due course is and instead brought me to Mediation in XX/XX/XXXX. In order for an institution to foreclose in XXXX they must comply with the State mandatory Mediation process. The first time XXXX took me to mediation was in XX/XX/XXXX. In order for XXXX to get their Certificate of Compliance they must demonstrate to the State run mediation program that they have disclosed the Owner of Obligation, which is the same as Holder in due course. XXXX did not get their Certificate of Compliance or as its called " ( C.O.C. ) '' in the mediation that took place in XXXX. The reason they did n't get their C.O.C. is that they failed to disclose the Owner of obligation or holder in due course. XXXX would not tell me who the holder in due course was and they would n't or could n't tell me who the holder in due course is in the first Mediation. I also hired an attorney to represent me in mediation, costing around XXXX. In order for XXXX to foreclose they need to first get their C.O.C. and disclose the Holder in Due Course. After two QWRs they failed to disclose who the owner was, and failed again during the first round of mediation. Their production of documents did not include the Certificate of No Compliance for XXXX. They did provide the XXXX Certificate of Compliance outcome in which they received their C.O.C. How does the borrower deal with a Servicer who brings you to mediation in bad faith? Mediation requires the banks to present the PSA at mediation, because it dictates on how they can modify an existing loan and work with the borrower. As we know the PSA clearly defines the entity or issuer of these trusts. The problem is that they never disclosed the Owner of Obligation as required to complete the mediation program. As a result they did n't receive their XXXX Certificate of Compliance. Jump forward to XXXX where they bring me to mediation again. ( Attorneys fees again, {$1800.00} ) This time they disclose that Ocwen is the Master Servicer and XXXX is the Sub servicer. They also state that XXXX XXXX XXXX XXXX XXXX is the Trustee for this entity called XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX, stating that this XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX is the owner of obligation. They now state as a fact that this Trust is the owner of obligation and XXXX XXXX XXXX XXXX XXXX is the trustee for this particular Trust. XXXX and Ocwen finally get their C.O.C. based on the latest information that XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX is the owner of obligation. Shortly after they received their C.O.C. they filed a foreclosure ( XX/XX/XXXX) lawsuit here in XXXX County naming XXXX XXXX XXXX XXXX XXXX as the Trustee for this XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX. I represented myself on this lawsuit until XX/XX/XXXXwhen I retained the same attorney ( XXXX XXXX ) who represented me in the 2 mediations. Through discovery and production of documents we received documents that uncovered illegal activity by Ocwen, XXXX and XXXX XXXX XXXX XXXX XXXX. I went to the SEC website and researched XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX. This is name they used in my foreclosure case! The SEC has no record of XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX. Mortgage Asset-backed pass-through Certificates is actually the title of these securities ( XXXX ). The SEC does have a registered company conformed name listing XXXX XXXX XXXX Trust listed as being Incorporated in XXXX and a business address in XXXX. This particular XXXX XXXX XXXX Trust is one of 145 separate entities ( XXXX XXXX ) listed with the SEC as being incorporated in Delaware. This particular XXXX XXXX XXXX XXXX is one of 145 separate entities ( XXXX XXXX ) listed with the SEC as XXXX Trust. This is where it gets real interesting.I went to the S.O.S. of XXXX website and researched all XXXX XXXX Trust ( 145 ) of them. I also talked a Lady named XXXX XXXX from the S.O.S. of XXXX and asked her for Certified Certificates of Record on all 145 XXXX XXXX. I was informed by her that she has no record of any XXXX XXXX being registered in XXXX. She instead directed me to a form, called Certificate of No Record. She also stated that XXXX has Statues that govern what these Trust must do before they can sell securities or conduct business in XXXX. The Statues are 318.02 318.03 and 318.05. See exhibit 2.
I paid and received Certified Certificates of No Record on all 145 XXXX Trust. I also received a complete list of every trust that filed a declaration of Trust since XXXX. Each Trust needed to complete a registration process and file a declaration of Trust in order to sell securities and do business in XXXX. Each XXXX XXXX Trust must be Bankruptcy remote from all other entities, thats why each individual Trust must have its own Company Conformed Name, per SEC. There is 145 XXXX Trust which reported to the SEC as being incorporated in XXXX and a business address in XXXX. XXXX Statue 318.02 subd. 3 Powers State that any such association heretofore or hereafter organized shall have the power in its name : ( 1 ) To continue as a business trust for the time limited in its Declaration of Trust or in any amendments, or if no time limit is specified, then perpetual. ( 2 ) To sue and be sued ; ( 3 ) To adopt, use, and, at will, alter a business trust seal, but failure to affix the business trust seal, if any, shall not affect the validity of any instrument ; ( 4 ) To conduct in this State and elsewhere the business to engage in by such association and to contract and enter into obligations and do any acts necessary and incidental to the transaction of its business or expedient for the attainment of the purposes stated in its declaration of trust or any amendments. ( 5 ) To acquire including by will or gift, purchase, sell, contract for, hold, lease, mortgage, encumber, convey, transfer, or otherwise deal in and dispose of real and personal property within or without the State by and through its officers, agents or Trustees in the manner provided in its declaration of trust or in any amendments. All deeds, contracts, mortgages and other legal instruments heretofore or hereafter acquired by or executed by any such association, and whether or not recorded in the office of the county recorder in the officer of register of titles, shall have the same force and effect as a like instrument would have executed, or recorded or filed in said offices, as in the case of corporations. Subd. 4.Personal liability. No personal liability for any debt or obligation of any such association heretofore or hereafter organized shall attach to the owners of the shares of beneficial interest, beneficiaries, shareholders, or trustees of any such association heretofore or hereafter organized, or to any person or party to the declaration of trust. 318.03 Sale of Securities ; Registration Before any such association may offer for sale, barter or sell any security of such association in this state, such association shall register such securities pursuant to the provisions of chapter 80A, and all acts amendatory thereof, which registration shall be applied for and granted under the same conditions as like registrations are applied for and granted to corporations. 318.05 Unlawful to transact business prior to compliance. No such association organized after XX/XX/XXXX, may transact or conduct business, within this state under any declaration of Trust without first complying with the provisions and requirements of sections 318.01 ; 318.02 ; and in addition thereto complying with the provisions and requirements of sections 318.03 and 318.04 when applicable. XXXX XXXX XXXX XXXX XXXX ( XXXX ) brought this lawsuit against me as a Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX. XXXX XXXX XXXX XXXX XXXX is not registered in XXXX XXXX according to the S.O.S. of XXXX XXXX. The Secretary of State of XXXX, has XXXX XXXX XXXX XXXX XXXX registered as a Foreign Company in XXXX, and headquartered or incorporated in XXXX XXXX. If they did n't register in XXXX XXXX like they reported to the S.O.S. of XXXX then why did they state it as a fact in the XXXX S.O.S. registration? See Exhibit 2. Ocwen is the Master Servicer and XXXX XXXX is the sub-servicer which brought this lawsuit in the name of XXXX as Trustee. XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX has failed to demonstrate through either its memorandum or evidentiary submission that there are no genuine disputes of material fact or that XXXX is entitled to judgment as a matter of law. Specifically, there is a substantial question of material fact as to whether XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX is a validly constituted legal entity and whether XXXX XXXX XXXX XXXX XXXX Pass-through Certificates Series XXXX has any legal capacity to sue in the State of XXXX to foreclose on my property. XXXX law restricts foreign entities from exercise [ ing ] any powers or purposes or conduct [ ing ] any business or affairs in this state that a domestic [ company ] is proscribed from exercising, pursuing or undertaking in this state. Numerous statues in XXXX prohibit foreign entities from maintaining an action in XXXX without first obtaining a certificate of authority. STATEMENT OF FACTS I was foreclosed by XXXX XXXX XXXX XXXX XXXX as Trustee '' for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX. Plaintiff purports to be a XXXX XXXX XXXX XXXX XXXX ( XXXX ) in its organizing documents known collectively as the Pooling and Servicing Agreement. Id. The Pooling and Servicing Agreement ( PSA ) states that This contract shall be governed by, and construed and enforced in accordance with applicable federal laws and the laws of XXXX. The PSA also provides that it shall be governed by the laws of the State of XXXX XXXX. The PSA also provides that This agreement and the certificates shall be governed by and construed in accordance with the laws of the State of XXXX XXXX and obligations, rights, and remedies of the parties hereunder shall be determined in accordance with such laws. The PSA also references XXXX and XXXX as another potential state whose governing laws apply. Id. See the Declaration of XXXX XXXX. Exhibit 3 As set forth in the Declaration of XXXX XXXX, Defendants have search high and low for evidence, that Plaintiff is registered, certified, authorized or otherwise in XXXX, XXXX XXXX and XXXX ( the three states referenced in the Plaintiffs PSA ) as well as all 47 states for registration, certification of trust, certification of existence for both the exact name of plaintiff XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX XXXX MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX as well as numerous variations on this name ( variations include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Asset-Backed-Pass-through certificates XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 2006QS14 Remic Trust ) and several other variations and have found " no evidence '' of any registration or proof of plaintiffs existence in any of the 50 states, or any United States Territory . Defendants have also searched in the Internal Revenue Services 938 Publications database which preserves registration for all XXXXs registered with the Internal Revenue Service and have searched for both the Plaintiffs full name ( XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX ) as well as XXXX XXXX XXXX ( XXXX is an abbreviation of XXXX XXXX XXXX XXXX ), XXXX ( the series number for Plaintiffs Trust, and XXXX ( a shorter version of Plaintiffs series number ) in the tax years XXXX through XXXX and have found no registration with the Internal Revenue Service . See also Declaration of XXXX XXXX. Exhibit 3 Defendant and defendants counsel have searched the Secretary of States databases for all 50 states as well as the United States Territories as well as the Internal Revenue Services Form 938 registry and Defendants can find no documents indicating that Plaintiff is registered with either the Internal Revenue Service, nor with any of the 50 states or any United States Territories. Additionally, despite numerous subpoenas and discovery request on Plaintiff, Defendants can find no record of any EIN ( Employer Identification Number ) for Plaintiff. As of the date of this writing there is no evidence that Plaintiff has any authority to sue or maintain any action in the State of XXXX or any other state. It in fact appears that Plaintiff is not registered as a legal entity anywhere in the United States, including any of the states where Plaintiff claims to be registered and incorporated. Defendants have Certified Certificates of NO RECORD from the Secretary of State of XXXX showing that although, XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX is the name Plaintiff is using in this lawsuit, it is not the name used in reporting to the SEC . The SEC has it registered as XXXX XXXX XXXX XXXX, which is the Company Conformed Name as reported to the SEC. There are 145 separate XXXX XXXX XXXX, all of which reported to the SEC as being incorporated in XXXX and a business address in XXXX. I received Certified Certificates of NO RECORD from both XXXX and the XXXX Secretary of States. I also obtained from XXXX XXXX from the S.O.S. of XXXX a Certified list of all TRUST that are or were registered with the S.O.S. since XXXX. See Exhibit 2. The SEC has the entire XXXX XXXX ( XXXX ) registered as XXXX Trust. See Exhibit 1, which is from the SEC website. We also included in Exhibit 1 other Series Trust that were not registered in XXXX, but reported to the SEC that they were. ( XXXX series, XXXX XXXX, XXXX and XXXX ). Also these additional Trust are reported to the SEC as being incorporated in XXXX and are in fact not registered in XXXX. Total collateral of all Trust in Exhibit 1 are estimated to be around {$180.00} XXXX according to the SEC website. The SEC also has the entire XXXX XXXX listed as being registered and incorporated in XXXX. The Certificates of NO RECORD that I obtained, clearly show that NONE of these TRUST were ever registered in XXXX or XXXX. See Exhibit 2. We know that the Securities and Exchange Commission does not verify the documents registered in their database. The question would be, why did they register these trust with the SEC stating that these trust are incorporated in XXXX, when in fact they did n't register in XXXX. Why did they register with the SEC stating that these Trust are XXXX Trust, when in fact they did n't register in XXXX? Registering the Entire Series with the SEC is part of the registration process but the State of XXXX also requires filing a Declaration of Trust prior to transacting any business in this state. It is unlawful to transact business prior to compliance. No such association organized after XX/XX/XXXX, may transact or conduct business within this state, under any Declaration of Trust or Business Trust without first complying with the provisions and requirements of sections XXXX and XXXX and in addition thereto complying with the provisions and requirements of sections XXXX and XXXX when applicable. See Exhibit 2 XXXX Statues. Why would these Trust report to the SEC as being XXXX Trust? Who would collect Taxes on the sales of these securities? According to the Sec all these Trust have a combined total of {$180.00} XXXX. Who is collecting the taxes if they are not registered at any State level. Why would they elect to be a REMIC as outlined in the PSA and not follow through and register with the Internal Revenue? I.R.S. publication 938 clearly states that For the first tax year of a REMICs existence, the REMIC must timely file the first tax year of existence using Form XXXX, signed by an authorized person. Once the election is made, it stays in effect for all years until it is terminated. Pursuant to the public records available on the SEC website, Plaintiff only filed Quarterly XXXX and/or XXXX filings from XX/XX/XXXX through XX/XX/XXXX. See Exhibit 4. As a REMIC, Plaintiff is obligated to make the election as a REMIC in its first taxable year, but upon a search of the ( search-able ) IRS Publication Form XXXX database for REMIC and also Collateralized Debt Obligations, no such elections were filed in the years XXXX through XXXX indicating no such issuing entity exists for the purposes of IRS election as either a REMIC or a CDO. We have hard evidence that Ocwen and XXXX filed fabricated Mortgage Assignments with our County Recorders Office. There are 3 assignments recorded in county records. The first and second XXXX XXXX was notarized by a XXXX XXXX out of XXXX. These two documents that are recorded in public records look almost exactly alike. This is where it gets interesting ; the person she is notarizing for is XXXX XXXX. XXXX signed on both assignments days apart according to the dates, and recorded on the same day 6 months later. We received 1116 pages ( Production of Documents ) from XXXX and Ocwen. In the production of documents there are 4 different mortgage assignments. The first and second assignment were both signed and notarized by the same people. In the production of documents there was a fourth assignment, this fourth assignment looks exactly the same as the second assignment, except that this fourth assignment was not recorded in public records. This fourth assignment is notarized in blank, same signatures, except nothing is filled out. The notary notarized the signature of XXXX but she notarized a blank document. This same fourth document was later filled in, whited out, crossed out and then filed in the county land records as assignment number two.. See Exhibit 4. The third assignment ( was ordered by XXXX and Ocwen ) ( this third assignment was done by XXXX ) was recorded in XX/XX/XXXX and assigned to XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX. This assignments looks a lot like the first two assignments, crossed out and a name of a company named XXXX XXXX XXXX XXXX XXXX who went out of business back in XXXX. XXXX XXXX is not listed with the SEC in that form, but is listed with the SEC as XXXX XXXX XXXX Trust. The name XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass through Certificates Series XXXX is the name they are suing me in. We know that this name they are suing me in is not registered with the SEC. The SEC has it registered as XXXX XXXX XXXX Trust, which by the way is the exact company conformed name listed with the SEC and reported to the SEC as being incorporated in XXXX. According to the FDIC, XXXX XXXX XXXX XXXX XXXX went out of business in XXXX. ( I believe XXXX took them over ) The cutoff date for any loans to go into the XXXX trust was XX/XX/XXXX. So, why would XXXX XXXX XXXX XXXX XXXX who went out of business in XXXX assign a mortgage to this alleged trust in XXXX and after the cutoff date? These trust filed papers with the SEC stating that all these trust are incorporated in XXXX. These Trust also filed papers with the SEC stating that these Trust are XXXX Trust. The fact is that neither S.O.S.s has any record of them registering in their State. They dont exist.
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| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION CONSUMER SERVICES UNIT CONSUMER COMPLAINT FORM Licensing Board is responsible for supervising collection agencies ( Board Licensees ).
Before you begin : If your complaint involves one of the above listed entities, it is recommended that you contact the entity ( s ) to resolve the matter prior to submitting a complaint. When contacting the entity, please make every effort to ensure contact that the person with whom you communicate is authorized to resolve your dispute.
If you are unable to resolve the complaint directly with the entity, the second step is to determine if the financial entity is supervised by the Commissioner ( see our licensing search pages ).
The Commissioner of Financial Regulation ( Commissioner ) is responsible for supervising Maryland State-chartered banks, credit unions, and non-deposit trust companies ( collectively Institutions ) and for supervising entities providing the following financial services to Maryland consumers, including, consumer and installment lenders ( including payday lenders ), sales finance companies, mortgage brokers, lenders, servicers, and loan originators, check cashing services, money transmitters, debt management businesses, credit reporting agencies, credit services businesses ( collectively Licensees ). The XXXX XXXX XXXX NOTE : If you believe that the party who is the subject of your complaint should be licensed by the Commissioner, and is not licensed, you should file a complaint.
Complaint Form XX/XX/XXXX Page 1 of 6 Instructions : This is a fillable PDF form which means you may complete and sign this form electronically. If you decide to complete the form manually, please print the form, print your information clearly and sign your name. Use black or blue ink, only.
This is NOT an online form ; you must submit your complaint by one of the means listed below. Please enclose copies ( NOT ORIGINALS ) of documents ( contracts, account statements, letters, bills, receipts, checks, etc., ) that relate to your complaint, and be sure to sign ( electronically or manually ) and date your complaint.
Deliver your completed complaint form and relating documents by one of the following methods : BY E-MAIL : Please send as attachments to XXXX BY MAIL : Commissioner of Financial Regulation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX Attention : Consumer Services Unit IN-PERSON : You can also walk in to the Commissioners office at XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX ( Note : walk-in Hours are : XXXX XXXX - XXXX XXXX ) BY FACSIMILE ( FAX ) : at the following fax number XXXX ( Note : please mark your fax to the attention of the Consumer Services Unit ) Note : Your complaint will be assigned to an Examiner who will handle your complaint and who will reach out to you shortly after being assigned your complaint.
Be advised any information that you provide may be forwarded to an Institution, Licensee, Board Licensee, or any other individual against whom you have complained.
Free at ( XXXX ) XXXX or visit the Commissioners webpage at http : //www.dllr.maryland.gov/finance/.
Before you submit or mail your complaint : Proof read the information you have provided and make any necessary corrections.
Enclose copies ( NOT ORIGINALS ) of documents that relate to your complaint.
Please make sure to sign and date the form.
Finally, before sending make a complete copy of all information submitted by you.
Should you have any questions regarding the Commissioners complaint resolution process or a complaint you have filed with the Commissioner, do not hesitate to contact the Consumer Services Unit at ( XXXX ) XXXX XXXX or Toll Complaint Form XX/XX/XXXX Page 2 of 6 DEMOGRAPHIC INFORMATION Your Name The Office of the Commissioner of Financial Regulation complies with all applicable federal and State laws regarding discrimination. The Commissioner does not base findings concerning complaints on a persons age, ancestry, color, gender identity and expression, marital status, race, or any other protected status. However, in an effort to ascertain trends regarding complaint data, we ask that you voluntarily provide the following demographic information. Demographic information will not be shared with the person or entity who is the subject of your complaint.
What category best describes you?
XXXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX origin XXXX XXXX or XXXX XXXX XXXX XXXX or Other XXXX XXXX XXXX or XXXX Other race, ethnicity or origin Decline to answer Gender Identity : Female Male Other gender Decline to Answer Age : 18-25 26-35 36-45 x 46-55 56-65 Over 65 Decline to Answer Veteran/ Military Status : Are you eligible to declare veteran or military status? Yes x No If yes which best describes your status? Veteran Active Duty or Reserve Active Duty or Reserve/ deployed Complaint Form XX/XX/XXXX Page 3 of 6 CONSUMER INFORMATION Your Name : Mr. XMs.
Home # : Cell # : ( XXXX ) XXXX Work # : Fax # : Street Address : XXXX XXXX XXXX, City/Town/State : XXXX XXXX MD Zip Code : XXXX E-mail Address : XXXX Account Number ( s ) involved in this complaint : Complaint Form XX/XX/XXXX Page 4 of 6 CONSUMER ATTORNEY OR REPRESENTATIVE AGENT Do you have an attorney or representative agent assisting you with this complaint? Yes x No If so, do you authorize the release of information to the below listed individual? Yes No Representative Name : Work # : Cell # : Fax # : Representative Street Address : Representative City/Town/State : Zip Code : Representative E-mail Address : WHAT IS YOUR COMPLAINT ABOUT?
( Check all that apply ) ATM or Money Wiring Services Auto or Car Title Loan Auto Repossession Bank or Credit Union Check Casher Consumer Loan Credit Denial Credit Reporting Agency x Debt Collection - General Debt Collection Harassment Debt Management Services xDebt Settlement Services x Dispute of Credit Information XDispute Debt Owed X Foreclosure Related X Foreclosure Prevention Services Identity Theft Land Installment Loan X Lending or Credit Fraud Money Transmission X Mortgage Fraud X Mortgage Loan X Mortgage Modification Mortgage Refinance X Mortgage Servicer Personal Property Repossession Property Management or HOA Fees Reverse Mortgage Short Sale or Deed in Lieu Student Loan Questionable Fee Charges Unauthorized Charges Virtual or Cryptocurrency XOther : __________fruadlent propertys sale___unfair practices of the attorneys office and the mortgage companies to_____breaking the law ___ THE NAME OF THE PERSON OR ENTITY THAT I AM COMPLAINING ABOUT : Ocwen loan servicing llc / PHH mortgage/ XXXX XXXX mortgage and attorneys and trustee office XXXX XXXX XXXX XXXX ( If more than one , use separate Complaint Form for each complainant ) Name : Work # : Cell # : Fax # : Street Address : City/Town/State : Zip Code : E-mail Address : Complaint Form XX/XX/XXXX Page 5 of 6 Complaint Narrative : Did you contact the person or entity about your complaint? Yes Person Contacted : ocwen loan services llc Did they respond? Yes Date Contacted : XX/XX/XXXX Date of Response : If so, nature of response : call the attorneys office Complaint Form XX/XX/XXXX Page 6 of 7 Is Court Action Pending on this complaint? Yes, but the already sale my property Proposed Resolution what would be an acceptable resolution to your complaint : Remove them form serving customer and dismissed and give my home back with full payment because they break the law or evidence and be fair as well as lawful Check here if you are filing this complaint for informational purposes ONLY.
( By checking this box the office will not reach out to the person or entity you are complaining about ) **Please read carefully, before signing and submitting your complaint. ** XXXX XXXX By signing this complaint, I certify that all the information supplied in this complaint form is true and accurate to the best of my knowledge. I also authorize the Office of the Commissioner of Financial Regulation to speak on my behalf regarding my loan or account with the person ( s ) or entity ( ies ) listed in this complaint ( unless this complaint is filed for information purposes only ). I further have no objection to the contents of this complaint being forwarded to the person ( s ) or entity ( ies ) listed in this complaint. Further, in filing this complaint, I understand that the Commissioner of Financial Regulation can neither guarantee any certain resolution to this complaint nor provide me with legal advice. Should I have questions concerning my legal rights and responsibilities, I will contact an appropriate legal services provider.
Signature : XXXX XXXX Date:XX/XX/XXXXComplaint Form XX/XX/XXXX Page 7 of 7 The attorney/ Trustee company ( XXXX XXXX XXXX XXXX et al ) ( Ocwen loan Services ) employees and ( PHH moragt. ) ( XXXX XXXX ) please excuse me bacise as for today I dont no who who. But the say they all the same but all dont have me account correctly ) have submitted false information and paperwork. Conduct and engage in dishonesty, fraud, deceit and misrepresentation the prejudice sell in my property disobey court order, filing a default sale wit out get the court to rule on it not following The Maryland state rule by file announcement of the property in public papers not send the notices to the ( Regular Mail ) On fair time never send me what was to be collect to demand my property before sale when call the mortgage company the say call the attorney s not file the true not we never had our time in court because we been in Bankruptcy ( My husband mother past away in XXXX she put a lot of things in his name he was her only child and we had business as will we was waiting to have our day in court but you cant go throw any other court when in court with BK they not it as will they no they did have rights to foreclosure as well as the other didnt because the found the payment and the other case was closed as well as the began in this case ) never send us anything until it over and that was not to pay ocwen because they was receiving payment form us by side the bk case never got the number of account we was in bankruptcy and we request a line and the send in Faust document and read the attachment and I have so much evidence on their fraudulent and the keep have to escape Their actions because of the people they no. I have never received a notes of default on this case but the conduct a sale and waiting for a RAF. Sale for 15 days I received the sale notice Thursday XX/XX/XXXXthat evening I call all Friday the 11th to get the understanding with the court talk to the judge chamber on the docket XXXX informed me that they mean judge sign the order no long work in foreclosure and I had to call the majesty XXXX on that and all say it nothing on case very say Im in bk and I told them I was not and I was waiting to go to court they say come and file something so I was sick Monday had a doctor appointment and on XX/XX/XXXX I walk in the foreclosure office received a payed for copy of the documents with there information and a receipt on case and file and report I was no long on bankruptcy case we had it lifted I was call that day by Ocwen I told I thought I wan na with PHH and XXXX XXXX he informed me the the same people I told him where o was and Im about to file he start get upset I have to pay all to stay and I wa going be evident and he still did no for sho what I need to bring it up to date I need to call the attorney but I say I give my money to you all and that when he said I call the attorney to get a buy back I ask that what that and he say call then I file my paperwork and when I got home I call the foreclosure office where the paperwork why not on file the next day I see they file something after me and that when I see the attorney ask to be put on hold until XX/XX/XXXX for judge make a judgement on the case that to hold them and get a raffle sale completed but also they still had no right to sale see attachments and still not follow the law I was told to not file with any of these officials or they going really get a sheff evidence for the 15 days when it was to be no soon the 30days they are above the law and they dont follow no ruling orders and have no respect for the law. They not turstworthy and the paperwork is so poor fraued documents they dont even try no more they follow the law if need any more proof the use fraudulent things as well as i -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX Subject : Fwd : Next Steps - FTC Complaint Assistant To : XXXX XXXX XXXX Circuit Court of Maryland Go Back Now Case Information Court System : Circuit Court for XXXX XXXX XXXX County - Civil System Case Number : XXXX Case Description : XXXX vs XXXX Case Type : Property Filing Date:XX/XX/XXXX Case Status : Inactive Defendant/Respondent Information Party Type : DefendantParty No. :2 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXXState : MDZip Code:XXXX Party Type : DefendantParty No. :3 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXXState : MDZip Code:XXXX Attorney Information Name : XXXX XXXX Attorney Type : Attorney Address : XXXX XXXX XXXX City : XXXXState : MDZip Code:XXXX Other Party Information Party Type : Substitute TrusteeParty No. :1 Name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Court Scheduling Information Event Type : Status Hearing Event Date : XX/XX/XXXXStart Time:XXXX Result : Status Conference HeldResult Date:XX/XX/XXXX Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Dockets ( Each Document listed. Documents are listed in Document No./Sequence No. order ) Date : XX/XX/XXXX Document Name : CaseType : Foreclos of Deed Tr Docket Text : Date : XX/XX/XXXX Document Name : Forclsure Eligible for Mediatn Docket Text : Date : XX/XX/XXXX Document Name : Order To Docket Foreclosure Fd Docket Text : 001 proceeding to forc d/t on XXXX XXXX with attachments fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Forclsure/Prel Loss Mitgtn Aff Docket Text : 002 fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 003 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXXDate : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 004 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit, Fd.
Docket Text : 005 Affidavit of Mailing - As to All Occupants F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Deed of Appt/Appt of Sub Tr Fd Docket Text : 006 fd. kbp e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Forclsure/Finl Loss Mitgtn Aff Docket Text : 007 fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bond Approved and Filed.
Docket Text : 008 Bonds XXXX with attachments fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Not To Pty Contemp Dis Case Fd Docket Text : 009 fd.md Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 010 No attachments, fd.md ( Tagged for XXXX ) e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 011 Order of Court dated XX/XX/XXXX, Judge XXXX, ORDERED that the motion is granted and ORDERED that dismissal of this action be and hereby is DEFERRED for 90 days, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case, fd.md cc : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 012 fd, amk ( tagged for XXXX ) Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 013 Order of Court dated XX/XX/XXXX, Judge XXXX, ORDERED, that the motion is GRANTED and dismissal of this action be, and hereby is, DEFERRED for 90 DAYS, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case. FD.LT Copies mailed to : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 014 fd/rja e XX/XX/XXXX Motion to Defer Dismissal ( tagged for Judge XXXX ) Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd.
Docket Text : 015 fd.mdm e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Notice of Hearing, filed Docket Text : 016 Notice of Hearing XX/XX/XXXX Status Hearing XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 017 Order of Court signed by Judge XXXX on XX/XX/XXXX ORDERED that Plaintiffs XXXX Motion to Defer Dismissal is deemed MOOT ; and it is further ORDERED that this proceeding be and hereby is automatically STAYED pending bankruptcy ; and it is further ORDERED that the Substitute Trustees ' shall forthwith advise the court in writing when the automatic stay is lifted ; and it is further ORDERED that this matter be set in on XX/XX/XXXXat XXXX for a status hearing to determine the status of Defendant 's bankruptcy cc : XXXX XXXX , XXXX XXXX , XXXX XXXX by XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Status Conference Held Docket Text : Date : XX/XX/XXXX Document Name : Civil Daily Sheet, Filed Docket Text : 018 fd/db Judge XXXX, XX/XX/XXXX, XXXX Judge XXXX ; XXXX XXXX Status hearing held Case stayed-bankrutpcy pending Other : bankruptcy case summary filed e XX/XX/XXXX Date : XX/XX/XXXXDocument Name : Order Stay Pending Bank, fd Docket Text : case stayed pending bankrupcty per daily sheet Date : XX/XX/XXXX Document Name : Order Stay Pending Bank, fd Docket Text : 019 Order of court dated XX/XX/XXXX Judge XXXX, Ordered, that this proceeding be and hereby is automatically Stayed pending bankruptcy, and it is further, Ordered, that the plaintiffs ' counsel shall file a written status update with the court regarding the status of defendant 's bankruptcy three months after the date of this order and every three months thereafter until the stay is lifted, and it is further, Ordered, that the substitute Trustees shall forthwith advise the court, in writing, when the automatic stay is lifted, and it is further Ordered, that failure of plaintiffs to advise the court as to when the automatic stay is lifted may result in the dismissal of this matter without prejudice fd.kss eXX/XX/XXXX copies mailed from chambers Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 020 line to withdraw suggestion of bankruptcy, fd.tng e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd.
Docket Text : 021 Case No. XXXX fd, aj eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 022 case no. XXXX fd.aj e.XX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 023 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd.
Docket Text : 024 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 025 motion to defer dismissal fd.kss eXX/XX/XXXX ( tagged for XXXX XXXX With hold until XX/XX/XXXX ) Date : XX/XX/XXXX Document Name : Motion To Stay, Fd.
Docket Text : 027 Defendant 's motion for temporary stay of the foreclosure sale pending a full hearing on defendant 's motion to stay and dismiss foreclosure action fd.kss eXX/XX/XXXX ( Tagged for XXXX XXXX ) Date : XX/XX/XXXX Document Name : Motion To Dismiss, Fd.
Docket Text : 026 defendant motion to dismiss with attachments fd.kss eXX/XX/XXXX ( Tagged for XXXX. XXXX ) This is an electronic case record. Full case information can not be made available either because of legal restrictions on access to case records found in Maryland Rules, or because of the practical difficulties inherent in reducing a case record into an electronic format.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : Next Steps - FTC Complaint Assistant To : XXXX Next Steps - FTC Complaint Assistant Print FTC Report FTC Report Number : XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it ocwen filed a forclouse on my home in XXXX and about XXXX the case was to be closed but i was also in bankruty at the same time and my home trustee ( XXXX XXXX ) work for XXXX, XXXX XXXX XXXX as well as the attorney XXXX XXXX the company is also a debit collect agency the file and keep going with the paperwork and had a hearing when we was in bankrupty court they have file the flase deed of trust i call the office and told them i was pay my bk and send ocwen money so the can use that case the need to refile with tha correct acount and the stop take my payment sen back as well as i talk to Ms XXXX and i told it was the woronge paperwork she say she dont have to file that corrct paper work as will as i will get a credit after the home would be stoled and that XX/XX/XXXX i receied a substitue trustee sale for XX/XX/XXXX bevcaue of a default for XX/XX/XXXX and my home was a prime loan i was pay XXXX a moth first. until we recvie a mod i file a consumer compaltint and the have been file false paprrwork we had only one and the made me pay a down payment and the was to file some thing incourt but the court did recevie nothing until the same date i file XX/XX/XXXX and the file the same and adk to hold my motion and my edvince and they paperwork until XX/XX/XXXX after the sale would be raf. and they have majesty o that some day im in court the morgat. company call me and was on the for with me for two hour acting threating we going sell your home you have to pay. all now never tell me what to pay because the have receid payment and they dont really no when i say i was in the court the then say i can redemybit but i have to call the lawyer office about that money okay when i call it no redem. and it other things to How It Started Date fraud began : Amount I was asked for : Amount I paid : XX/XX/XXXX XXXX Payment Used : How I was contacted : Money Order Mobile : Text/E-Mail/IM Who Is Your Complaint About Company/Individual 1 Name : Ocwen loan services/XXXX XXXX XXXX XXXX Address : Apt/PO Box : City : State : Zip : Email Address : Phone : Website : Representative : https : //www.ftccomplaintassistant
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| 02/22/2022 |
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- Mortgage
- Other type of mortgage
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- Trouble during payment process
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I XXXX XXXX XXXX, am concerned that there is immediate need for injunction and restitution. I seek your expertise and authority to inform the agency heads as to the grave injustice that is proceeding. There is a hearing in XXXX XXXX today XX/XX/XXXX, under XXXX, which may cause to invalidate our recorded interest and award a Quiet title to land developers. They have interfered with all our attempts to settle the claims with XXXX Bank since prior to the XXXX foreclosure. As I am still in the home, I intend preserve my interest and The XXXX 's estate. My family have attempted to defend and assert the right to rescind and did properly defeat the WILD, Unlawful, Unconscionable contract. We are seeking right to equity and ownership of our home.
We are first time homeowners, first time buyers, and never refinanced, or even legally completed any remodification. The proof and records are already in the possession of the XXXX, XXXX XXXX, The CFPB file XXXX [ XXXX ] XXXX The Federal Court XXXX and The XXXX XXXX XXXX XXXX XXXX XXXX of this state supplied by the foreclosing entities. The exhibits and statements made by the attorney on behalf of XXXX XXXX differ from the response provided to this agency compared to the response provided to the XXXX. All this is evidence confirms and substantiate everything alleged by the XXXX 's. The extent of trickery and egregious actions by the foreclosing Parties and their counsel are too numerous and therefore extremely difficult to direct the courts and regulators to.
We have made every attempt to navigate Non-Judicial foreclosure proceedings under the WA XXXX more than a good faith effort to negotiate with the regulatory agencies, foreclosure prevention entities, and the foreclosing parties. Everyone has ignored us. Now I see that the DOJ has found liability and guilt information under XXXX XXXX XXXX. ( See footnote at XXXX of Annex XXXX, as it relates to NPV and equity to the parties ). The settlement is contingent on the relief to the homeowners. It shows there was viable restitution and remedy to keep us out of foreclosure and out of harms way this entire time. Not one of the states agencies made an attempt to help us. This Mortgage created consist of Violations of Sections 17 ( a ) ( 2 ) and 17 ( a ) ( 3 ) of the Securities Act and 17 ( b ) engaged in transactions, practices, or sec ( 16 ) courses of business which operated or would operate as a fraud or deceit upon the purchaser. CV XXXX filed XX/XX/XXXX against the false representation made by the XXXX securities offerings explains in detail the effects this contract has on the world financial markets and global economy. It also shows the knowledge and forethought of XXXX and XXXX Bank as it pertains to their respective roles. Also see that history shows all parties beside the homeowner victims were able to seek remedy or claims under securitization jurisdiction and are not injured by the XXXX 's. ( XXXX Bank XXXX. XXXX XXXX XXXX FDIC, XXXX XXXX XXXX XXXX XXXX ), and see FDIC XXXX & A for failed bank for XXXX cost over XXXX XXXX in FDIC insured accounts to be paid, less than half of the Liabilities after all assets liquidated.
In fact the XXXX was signing a stipulated Judgement to settle horrific crimes against XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( all bad acts against XXXX transpired XXXX XXXX XXXX XXXX conveniently ) On XX/XX/XXXX in XXXX XXXX XXXX XXXX Judgement it was explicitly noted that we were resolving claims for monetary compensation paid to us for harm done during these years. Furthermore, the damages awarded were TO BE conclusive of the damages we sustained during these years XXXX. HOWEVER, it is my believe any amount owed to XXXX XXXX would be included as they initiated foreclosure in XXXX and proceeded to trustee sale on XX/XX/XXXX in XXXX XXXX XXXX XXXX day XXXX settled with the XXXX 's XXXX I feel that a rouge escrow account falsely trigger foreclosure on us in XXXX the same month WA XXXX was cashing an extortion bank draft forced under duress to pay and then the XXXX XXXX is allowed to proceed in this State without the agency heads even looking into the DOJ XXXX XXXX XXXX the XXXX XXXX Bank XXXX XXXX XXXX XXXX disturbing. The winter of XXXX XXXX spent sitting in the cold, dark, XXXX XXXX with no food or heat trying to study law to defend against the foreclosure and the XXXX agents simultaneous, [ which is The XXXX 's full time residence not properly taxed or described ].
All the documents and exhibits provided are an admission of the adverse party. Because they have been supplied and are available for review, I will point out several factors that appear to violate the XXXX 's rights, as well as the foreclosing statutory requirements.
A trustee can not appoint a trustee. A Trustee and Beneficiary can not be the same persons under WA XXXX. Who is the XXXX of the DOT foreclosed on the XXXX 's XXXX? The Lienholder notice sent by XXXX XXXX XX/XX/XXXX was sent to XXXX Bank. The XXXX XXXX states that the XXXX XXXX case was moved to XXXX XX/XX/XXXX to restrain sale. Our right to demand trial or contest a magistrate was waived XX/XX/XXXX. XXXX and XXXX XXXX say 14 days from filing a case are allowed to comply with this. XXXX is 13 days. The federal docket will also show that Ocwen filed the case XX/XX/XXXX, first document on court is the XXXX 's Complaint. This document was replaced by Ocwen on XX/XX/XXXX, the same day the XXXX was removed, and XXXX assigned. An action is not brought, and case does not commence until filing of the complaint. Further the XXXX have no idea what was placed on the federal court XX/XX/XXXX labelled " the complaint '' and then changed XX/XX/XXXX. This is Prejudice and strange. Third the response to CFPF on page XXXX sec XXXX states sale was Postponed to XX/XX/XXXX. No notice was provided or published. Then there is the fact that Ocwen and PHH were merging in Delaware in XXXX. Ocwen was forced closed due to the violations it was already known to be committing on homeowners. XX/XX/XXXX consent order was signed exactly when Ocwen acquired the XXXX 's accounts and proceeded to do every XXXX of the violations alleged by your agency to my family up until XX/XX/XXXX. PHH was not merged in WA until XXXX. There was no servicer to negotiate with all of XX/XX/XXXX to save the foreclosure from proceeding. Further XX/XX/XXXX PHH responded to XXXX complaint and said they needed more time and would provide the XXXX response after XX/XX/XXXX sale date. Also, PHH admitted to needing more time to provide the XXXX required account statements and confessed to providing the XXXX 's with false information in their response provided to us in XXXX.
PLEASE KEEP IN MIND THAT these actions should be moot, considering I have learned that the XXXX XXXX has so been ordered, back in XXXX to provide direct relief to the VICTIMS. I am a direct transacting party from XXXX all the way until XX/XX/XXXX, when PHH sold the REO to an investment company. From XX/XX/XXXX to XX/XX/XXXX the title was in the name of XXXX Bank as trustee for XXXX XXXX and PHH is XXXX of attorney to complete the XXXX requirements of foreclosure and holding property. During this time the XXXX makes clear that the XXXX can void the trustee sale and make right with the XXXX 's rather than continue to move forward and knowingly perpetuate the now confirmed mortgage fraud.
The order and sanctions imposed by the DOJ on XXXX Bank for finally confessing to the collaboration with XXXX under the XXXX ( XXXX XXXX ) transaction. Gave until XX/XX/XXXX to XXXX Bank to comply with the requirements of XXXX XXXX in the form of 100 % forgiveness or a workable negotiation. The XXXX 's being under contract the entire time with the original parties from XXXX have never been afforded any mitigation or loss prevention. We were in fact denied by all the agencies. What this means is that all equity and obligation has been performed by the XXXX 's. We paid and they do admit this. There statements show the value of the home on the XXXX records in XXXX XXXX and now XXXX. Its beyond likely they are not entitled to gross enrichment. We have receipts to prove far more paid to the parties. ( They all are now confirmed to have committed fraud under that Transaction of XXXX INABS trust. ) Why would this state not order the relief be granted rather than imply the XXXX 's must pay known criminals? The XXXX collapsed the world economy, this is an international event, PHH is a foreign company, and this may very well be crimes against Humanity. Not just against XXXX XXXX XXXX. However, I am only seeking your intervention and assistance in protection from the crime of foreclosing on my home. The XXXX 's are only the second owner of the summer cabin on XXXX XXXX. It is a XXXX XXXX and it has an interesting and odd past. The Trustee on the DOT recorded was scratched off. The original trustees named all deny any knowledge of this DOT. The XXXX is very clear that the beneficiary may assign a successor trustee for foreclosure and upon this they are vested with full statutory authority of THE ORIGINAL TRUSTEE, with which comes power of sale Who is the TRUSTEE under the XXXX 's DOT? Furthermore, the Escrow was collected XX/XX/XXXX, the heirs of the estate ( sellers ) were conveyed the estate from probate XX/XX/XXXX. The escrow covered title insurance and closing costs, for the loan on the DOT. The escrow agent was XXXX. They were not licensed. XXXX, took the escrow and some other title company forced a legal description change 1 day prior to executing the DOT with XXXX. The title insurance went with the escrow under loan displayed on DOT, XXXX took first payment early and under a different loan number XX/XX/XXXX with an entirely separate escrow account for our tax and PMI. Recently I see this XXXX account # with escrow for the PMI was still running concurrent XXXX payable to XXXX, while Ocwen started servicing XXXX under account no XXXX, to which an escrow account was also active. I even called and spoke to the XXXX in XXXX when I discovered this and they are unable to represent individuals, so I received no notice that this trust was found to have violated my family and relief was ordered. On this note it is my understanding that upon the courts recommendation or prosecutors recommendation regulatory agencies in WA may enjoin a citizen complaint if action is in the interest of the public. This is a perfect example. The same parties as in XXXX XXXX XXXX, however the XXXX have been injured directly by MERS, and there is absolute harm and certain absolute that we are at risk of paying twice. These two elements are the 2 elements of the CPA violations that were not found to be present in that case. Also in XXXX she defaulted in the first year XXXX, on much larger loan value. Even despite this the XXXX enjoined the action due to all the excitement surrounding MERS beneficiary not recording in the XXXX XXXX records. That case determined MERS was not a beneficiary under WA XXXX, but more important they recognized that XXXX dissolved and could not assign interest by a nominee in XXXX. So why can they in XXXX by way of OCWEN as MERS attorney in fact, where MERS is acting for XXXX? Could it be the patented loan document that allows them the beneficial interest? ( MERS Modified XXXX ).
The multiple mystery accounts ran through the life of our DOT until all agencies were starting to investigate the XXXX in late XXXX - XXXX Ocwen began to foreclose to consolidate the concurrent fraudulent accounts. This was only made aware by my pleadings to the court in XXXX by the counsel and that is why all responses to your agency heads were redacted. The court rules on redaction or debt disputes makes clear that the identifying material evidence such as account numbers do not qualify for redaction. This was a deceitful act to prejudice us.
I recently learned fidelity was not licensed and find it must be made known to your agency and the regulatory heads that is the only reason XXXX XXXX XXXX under case XXXX is attempting to rule against the XXXX XXXX and XXXX XXXX XXXX for a superior title action. Because he is an escrow agent licensed to assign the DOT. When in fact the escrow agent that sold the mortgage was not licensed either, and refuses to allow Our Reconveyance and declaration.
I have read the XXXX, XXXX, and assumption agreements, I have read the XXXX and XXXX ratings entitled " The Takedown '' dated XX/XX/XXXX. I have read all the SEC filings from all the entities under the XXXX XXXX XXXX Issuing contract and understand how the Depositor, Seller, Issuer, Sponsor, Servicer, Lender all being IndyMac is not normal. Yet because of XXXX performing and controlling all these roles under XXXX, when they were deemed insolvent the entire contract legally collapsed. It must be void as it was made specifically when insolvent. Statutorily and traditionally this is accurate. However under the XXXX, The Trustee ( XXXX Bank [ Co-Manager of the XXXX XXXX Trust formation and XXXX ] XXXX would take beneficial interest of " the assets '' and " the Original Loan documents '' among many other indemnification contract language, that preserved the XXXX XXXX contract. It was not until XXXX upon officially linking XXXX Bank to XXXX and having equally engaged in the underwriting scheme, false representations of the opine, and malfeasance that action can now be brought. The share holders and certificate holders are not the only ones injured.
Deliberate indifference as instructed under WPI XXXX appears to be consistently effecting my families right to peace and fear from persecution. I feel the Agencies are turning a XXXX Eye to XXXX XXXX Trusts abusive business Practice and failing to Prevent by required reporting of Trust. And imposing Double standards by subjecting the XXXX to the XXXX when the foreclosing beneficiary is the ISSUER, XXXX XXXX XXXX XXXX and should have been restrained from non-judicial foreclosure. This is the issuing entity formed under the XXXX Prospectus Co-Managed by XXXX and XXXX Bank. The contract closed on XX/XX/XXXX, The same day the XXXX XXXX with the parties under the XXXX. As of the findings and in full consideration of the totality of the findings in the completed XXXX and XXXX cases conducted over the last XXXX years it has been found to be an unconscionable contract. According to the language used by the DOJ settlement as well as the FDIC, XXXX, AND similar cases settled, does not waive the rights of any individual or any agency of state or local to pursue claims for the Mortgage Securitization scheme INABS XXXX contract. That as of XX/XX/XXXX XXXX Bank as trustee lost any Indemnification provided in the XXXX contract that is the INABS XXXX. I lost all the equity by XXXX plummeting, and also the world economy collapsed as a result. My family has persevered all these years and started XXXX XXXX XX/XX/XXXX, 3 days before XXXX funded the formation of the XXXX in XXXX as a direct result of this contract.
I also believe it is because of the desire to provide loans to the XXXX that XXXX loan numbers were generated under the XXXX 's name and I also believe these were used to manage escrow accounts unlawfully. Our NOD which should be on file was sworn by XXXX XXXX XX/XX/XXXX to have provided the XXXX 's a mediation meeting with beneficiary. It is blank on the date and time of this false meeting. I learn that XXXX XXXX was the same rep that committed perjury in a bankruptcy case by lying about hugely overstate escrow shortages XX/XX/XXXX. Could it be that the XXXX 's really did not get a mediation meeting and that we were also victim of an escrow shortage scheme? Is it fishy that the XXXX recorded on the DOT was never paid on yet the title insurance and escrow account did in fact go forth with that loan number. Is it also strange that no Trustee on the DOT truly ever existed or wont admit? are they not the one with the Power of Sale. Is it not more likely than not that the closing escrow agents had something to do with the changing of the legal description of the estate a day before close? It is no secret that the neighbors on XXXX XXXX who have now purchased the dirty deed in XX/XX/XXXX are intending to develop and are not bona-fide purchasers. They have mocked us for not having any remedy under foreclosure and are providing no legal authority to deny our recorded interest. The XXXX stated XX/XX/XXXX that they do not have jurisdiction to void the XXXX 's recorded interest, however he will sign a legally insufficient SJ order today at XXXX to try to cause such effect in order to give the appearance of justification for ruling in favor of the parties seeking to profit from horrific mortgage fraud. This is causing undue hardship, it is very disturbing and has already harmed me beyond repair. The only saving grace has been the sanctuary of my home. It was appraised at XXXX in XXXX by an independent XXXX.
Short XXXX c XXXX : " This act may be known and cited as the foreclosure fairness act. '' [ 2011 c 58 2. ] ( b ) Create a framework for homeowners and beneficiaries to communicate with each other to reach a resolution and avoid foreclosure whenever possible; and ( c ) Provide a process for foreclosure mediation when a housing counselor or attorney determines that mediation is appropriate.
Additionally the XXXX also states that the XXXX will do everything it can to work with the XXXX for the beneficiary XXXX. WA created XXXX, sec XXXX, sec XXXX, sec XXXX, sec XXXX and sec XXXX specifically to combat the hidden beneficiaries and the lost ability to negotiate with a lender. Securities and MERS give rise and are cause of legally unsound deed of trust statutes in the wake of the securitization of residential mortgages. To make matters worse the XXXX also gives detail of how the servicer and trustee are paid. Both serve to profit in such ways that are left to self regulation and honor system. XXXX would profit from the dissolution of XXXX and the XXXX, is in a position that provides beneficial interest in foreclosing, proceeds, and full deference to determine when a mortgage is in default which is breeding ground for scienter. The servicer incentives were used to prolong application times and delay modifications and in my case Ocwen accepted over a year of payments and kept them in suspense or unapplied funds continuously. They refused to apply additional payments to principal as well.
Given that there is clearly more than meets the eye here and there is time to save our home, and perhaps assist in continuing efforts to prosecute the bad actors, I respectfully call upon this agency and the State regulators to allow the XXXX 's to show the evidence, to seek restitution and protection. Because the PHH and XXXX bank did not sale until 2 years ago today, it is still technically within 2 years. However if your agency can confirm the DOJ settlement does in fact welcome state and local efforts to enforce. and You can confirm the XXXX XXXX XXXX is included in the list of trust that are named under the " covered conduct ''. The XXXX XXXX list the XXXX that XXXX Bank is liable to. XXXX XXXX is listed on page XXXX left column midway down. It is only under the XXXX 's DOT that all these parties can be seen in full light. I assert that both civil and criminal acts have been committed against my family by XXXX bank. Please understand that this is no way conclusive of all the findings and evidence that I have uncovered. I am not an attorney and do not have the ability to articulate any of this briefly. I also would ask that you remember XXXX XXXX is a Trust, the ISSUING entity of ALL the securitized mortgages, and the security certificates. Within this XXXX are Hundreds of " supplemental trust ''. My mortgage just so happens to be held in a " supplemental trust '' also named XXXX XXXX. This is not the same as XXXX XXXX XXXX " issuer ''. This must be understood to confirm that XXXX Bank and XXXX did both conspire and are both now confirmed liable and have both directly harmed the XXXX and continue to proceed as a normal course of business under this contract. I seek equitable estoppel, and prosecution if it is found they are ignoring the DOJ order and attempting to conduct fraudulent mortgage activity in the state of WA.
Thank you for your consideration and immediate attention to this matter as time is of the essence. The WA state constitution and statutory code do not intend to supersede any federal law or law of The United States that has jurisdiction over such entities, as regulatory, licensing, or reporting enforcement. And likewise the federal authorities have given full deference to the local jurisdictions to take action. And furthermore, in the XXXX XXXX XXXX under XXXX XXXX it also makes clear that the Servicer and Trustee will report to and abide by any local jurisdictions authority as it XXXX relate. The statute of limitation XXXX be closing, or it XXXX be seen to not yet have commenced as the compliance review for XXXX will be evaluated next month. I would like to have the concerns presented here addressed regardless if I lose my home or not. These states regulatory agencies will need to tell the XXXX 's and XXXX XXXX : 1. who the ORIGINAL trustee was? 2. who had any statutory authority ( MERS as beneficiary ) to assign to XXXX in XXXX beneficial interest of XXXX XXXX 3. Did MERS divest any beneficial interest to XXXX? If, so under what legal statute or authority do you rely? 4. Who was the XXXX that foreclosed? 5. Are they the proper party to foreclose on a residential first-time homeowner under WA XXXX? 6. If XXXX XXXX has WA approval to foreclose, does the DOJ XXXX XXXX have no merit? or is it not applicable to The XXXX? 8. If XXXX XXXX has WA approval to foreclose, can the XXXX or XXXX explain what obligation they are foreclosing on? 9. The default on the receivables, or is that one Leon secures two obligations?
I am available for any further information and I do appreciate your diligence in this matter.
Signed This day XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX
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| 01/02/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX OCWEN LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( XXXX ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ).
SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
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| 05/26/2022 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
Older American |
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I have contacted Liberty as usual the response is they are escalating this matter. In issues I had before the end ( closing ) they did the same thing- they are escalating, I was handled.
Elder Abuse and Manipulation that occurred in the Reverse Mortgage application with Liberty Reverse Mortgage In XX/XX/XXXX I finally realized that I had been scammed by a self-professing XXXX woman. Based on this womans lies I had gotten myself in debt renovating my home. For most of my adult life I have lived within my means and gone without to survive. I understand the difference between needs and wants having gone without court ordered child support without a college education and not on welfare raising XXXX children. I was in debt from this event about {$30000.00} and had the potential of losing my home. My dishonest scammer was very very good at the manipulation that occurred.
I might have been able to pay this debt leaving me barely able to squeeze by. I had decided to look in to Reverse Mortgage programs designed for the elderly. I was turning XXXX in a year and felt that my health was only going to deteriorate as I get older. By the time I would have any relief from this debt I would not have the health to do things that I wanted or dreamed to do. My thinking was that I could do a reverse mortgage to pay this debt off and then I would just live within my means as I have done in my life.
The first organization I called was XXXX. I was just trying to get an estimate for how much my would be available to me if my home was worth x amount of money providing I met all the requirement of the program stating that I understood it was not a set figure. The person would not give me any dollar amount or provide me with an example of formulas used to determine an amount. I needed to find out if the dollar amount would even make it worth me pursuing this. They asked for extreme personal details of information without providing hardly any information ( so I an elderly person is giving up very detailed and personal information ). Information that could be used to manipulate a person by someone knowing what situation you are in or how urgently help is needed.
With the amount of fraud taking place today, I felt it was not appropriate information to be disclosed at this level until I made a decision formally make an application.
I was not getting any information from XXXX so I searched for other reverse mortgage companies. I ran across the name of Liberty Reverse Mortgage. Alongside the names of the companies were comment s and I remember it saying for people with good credit. Since I have had good credit scores ( XXXX + as high as XXXX ) I decided to call Liberty Reverse mortgage. Each time you call you are given a message that the phone call is recorded.
Phone calls to Liberty Reverse Mortgage- I made close to 70 phone calls to Liberty Reverse Mortgage. I have a list of 48 dates although there were more between XX/XX/XXXX & XX/XX/XXXX when I formally made the application and a few more that werent logged due to the stressful situation I was dealing with. I was under so much stress the person who was dishonest was causing problems with my family members and her church people did not leave my home when I told them to leave and I ended up calling the police. See attachments A & B.
It was in those 2 months ( XXXX XXXX XXXX ) that I had talked extensively to XXXX XXXX about the terms of the loan. We also discussed how long it would take to close once I applied. I was told 1 2 months.
It took 8 months to get this reverse mortgage, 6 months from the time I formally applied in XX/XX/XXXX. I jumped every hoop they demanded. I had provided all the information they wanted, scheduled the counseling for XX/XX/XXXX which was the earliest date I could get. I wanted to close the loan soon after counseling.
In XX/XX/XXXX when I applied the interest rate was just under 2 % interest, max increase 2 % per year and capped at 10 %. This was the only plan XXXX and I verbally spoke about. Quite honestly I thought once you identified what type of reverse mortgage you choose, this was the offer for that plan. It never occurred to me that there were options.
I have close to 5 inches of paperwork of things sent to me. One example is shortly after I officially applied for the reverse mortgage with Liberty. The package I received was 92 double sided pages, single line, not double lined, printed in 10pt and smaller type ( equating to 184 pages ). It covered all the types of reverse mortgages. If a company wants to bury or minimize information, it could easily be done in that package. A person would have to know what to ask to get down to what would apply to their loan. I am not a banker and do not know all the acronyms.
The differences if I went to a bank to get a loan : A bank would not take 6 8 months to complete the process. You would submit the information they require. In my previous mortgages the interest rate was locked in when you made the application.
A bank would be give able to give you print outs of the financial information. More specific to your loan numbers given at the time.
A person would not be isolated. Again 70 calls, containing 100 200 hours of conversation.
The amount and depth of personal information would not be disclosed in a bank situation.
You would know what institutions you are dealing with. For instance Liberty Reverse Mortgage is a dba, several of the other institutions who are involved ( dbas ) in this process. And how many of these other entities are owned or associated with Liberty Reverse Mortgage. In a conventional loan I would have a choice of the XXXX, the title company and I would know what company is managing the loan.
It is XX/XX/XXXX and I still do not have a Welcome Package. I dont know where to return the excess money they sent me although I am paying interest on it, or how to request more money if I wanted it. I have requested this information multiple times but never received it.
Liberty is very aware that I am very stressed about having this {$190.00}?? XXXX money in my bank account if someone gets access to my account it could be stolen.
I could choose the title company you I wanted to use and be given the cost. With the reverse mortgage process you are not able to have those choices.
I paid for the appraisal via a screen with no cover page, just a place to authorize a {$550.00} payment to XXXX. There was no ability to ask for a receipt or get a copy of the transaction. XXXX also included a statement that additional charges for the appraisal could be charged. In a bank setting you would receive dated receipts for transactions ( not be sent a form to sign to charge your credit card and not provide a way to get a receipt. See attachment D.
The company who is overseeing the reverse mortgage has unlimited access to the checkbook. Some of the fees you are charged are outrageous and I have no say or ability to seek out more reasonable venders to provide the service.
A senior should not receive communications in 5 point type or letters in 7 point type. I had to use 2 devices to be able to read these documents. Readers and magnifying devices. See attachment C.
You would get answers, not be told that they will escalate the issues to never addressed ( the person then says they are not authorize to do anything ). Knowing that each time you go over the information it is creating stress, health issues and despair being so manipulated and these companies have the checkbook. The lack of humanity is astounding. At a bank you would have those answers before you left the bank.
At the time of closing the loan there are not additional requirements that would have been resolved before you got to the closing part. The 1st time I tried to close I was given the additional requirement the Thursday before I was going to close the following week. See attachments G & H.
The 2nd time to close the loan papers, I was presented with different financial rates of at least 2 times plus the amount of interest that had been discussed and in place at the time I applied for the loan.
It seems in the reverse mortgage process, seniors dont seem to have a right to get receipts, a copy of the appraisal I paid for, and I had to request it from Liberty. This includes getting financial statements/receipts in a timely manner. The only thing I seem to get in a timely manner is the bill of the monies they are adding to my debt. In a traditional bank setting I would have all issues resolved and information given within hours, at most days.
Other practices that have occurred with Liberty Reverse Mortgage In a feedback communication email sent to me from Liberty Reverse Mortgage. See attachment I. I have asked Liberty Reverse Mortgage for a copy of all the phone recordings ( every time you call them they tell you that they are recording everything. I implore you to ask for a copy of the voice recordings for the following reasons 1 ) You will see how manipulation is used to divert the focus from questions that ones asked. In my case there is well over 100 - 200 hours of discussions that took place and would demonstrate how a senior is manipulated.
2 ) There is very personal information recorded that could be sold, or used to target elderly people for other scams 3 ) The amount of personal information that can be used to confuse or suggest that one doesnt remember things. This would not happen if a person goes to a bank to get a conventional loan. This was done to me when XXXX presented 3 different loan programs to me. I told XXXX that XXXX and I only spoke about 1 loan package. 3 ) The phone recordings would demonstrate how easy it is to run elderly people in circles, avoid answering questions and use personal information and fears to close the loan which is what happened to me.
2 examples : 1 ) When XXXX ( processor from Liberty Reverse Mortgage ) told me that Liberty would not consider the information I sent ( XXXX XXXX, XXXX ) via email to Liberty information about the flood insurance, I requested to speak with the Compliance officer from Liberty. I was diverted to several other personal but never got to speak to a compliance officer, although it was being escalated.
a. I immediately called about getting this insurance. XXXX national flood insurance would cost me an additional {$2700.00} a year. Why wasnt I told that in XXXX when I submitted the application with information regarding my home insurance policy? I would have not gone any further with the reverse mortgage. I submitted to Liberty via email information from the XXXX flood site to Liberty so you could see that my home sits uphill and was not in the flood plan. In the XXXX flooding that occurred in XXXX, this property did not flood. Also information stating that flood insurance is for the structure, not dirt which is where the tips of my property lie in a 100 yr. flood plan. I also informed Liberty that I was filing an amendment with XXXX that can determine the home does not sit in the flood area and can be exempt from the requirement.
XXXX I spent hours and hours the next weeks contacting ( often multiple calls to these departments ) XXXX XXXX, XXXX XXXX Department, XXXX XXXX Department XXXX XXXX XXXX Department, XXXX XXXX Map XXXX, XXXX XXXX, XXXX of Flood Plan, XXXX XXXX and XXXX XXXX, Getting quotes for cost of Elevation Certificate from surveyors in XXXX XXXX ( {$1600.00} and up ). Filed for amendment with XXXX when they told me I didnt have to have the elevation certificate to file ( application # XXXX ) although it might be required later. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FHA XXXX XXXX, FHA XXXXXXXX, XXXX XXXX for FHA, XXXX XXXX XXXX. At one point I waited 2 hours and 45 minutes on hold just to talk to someone.
i. NOTE : I had applied for an amendment with XXXX because my home is on a hill on my property, did not flood in the XXXX XXXX floods. On XX/XX/XXXX I received notification from XXXX stating that the XXXX insurance was not required on my home this was almost 2 weeks after I closed.
XXXX ) In XXXX XXXX I received a call from XXXX ( processor ) informing me that the Flood insurance would not be required, no explanation was given. I asked to close ASAP. At the 2nd attempt to close XXXX sent me 3 financial packages. I had told her I wanted to use XXXX to put some formulas in to extend out the figures 10 yrs. or more. Note : She offered to send me some examples. This is the 1st time I was offered examples of financial information specifically related to my loan. She did tell me that they were not exactly the final numbers. I remember in a conversation after I received this information XXXX talking more about the value of my home going up, the ability to pay more fees in the future should interest rates go below what I was now being offered. I just want to XXXX in my home, at this point sometimes I feel the sooner the better. I dont care about the value of my home going up. I cared about after paying off the debt I incurred and not drawing additional funds, would I have enough money left in the account after 10 years to pay for services if I became fragile and could not do domestic activities. At this point I dont think I will live that long ( due to stress and manipulation ) and I wonder will there be any money to draw from after the bank draws their share. Diverting my attention to other information.
a. All the home mortgages I have gotten in the past, once the application was formally submitted the interest rate was locked in. I met the demands in a timely manner and LIberty changed the terms. Loans may not always exist with the locked in rate, but in my time my loans did. Reverse mortgages are for senior people who probably have had the same experience ( XXXX years ). NOTE : I recently checked with a local bank in XX/XX/XXXX and was told that loans can still be locked into a rate when a person applies.
How I have been treated after the ReversXXXX Mortgage was signed.
At closing the notary called a number provided by Liberty if there were any questions. He ( the notary ) called the number 2 times. I spoke on speaker phone with a person from the Title company ( recorded, try getting that recording ). She told me they would look into the figures that were incorrect and that I would get a copy of the changes to sign and send back. Never received any copy of the correction to sign, nor did I receive an email stating the changes and figures.
When the check was deposited into my account the entire {$29000.00} was received again no statement or email accompanying this deposit. I knew that XXXX requirement of this loan was that the XXXX XXXX XXXX I had with XXXX Bank ( my banking institute ) had to be paid off. I received the money on Friday XX/XX/XXXX. I had been told they would pay it off, but then again I have been told a lot of things. I paid the XXXX XXXX XXXX off that day. This also means additional {$190.00}?? money is on my loan. I have only asked for {$29000.00}. Now I am paying interest on this money that I did not request.
On XX/XX/XXXX I talked to XXXX ( XXXX ) from the Title Company ( closing ) and she said I had to call Liberty Reverse Mortgage about the discrepancies.
On XX/XX/XXXX I called XXXX and left a message asking her to call me immediately and left a brief message of what it was about. To this day I have not received any return call from XXXX.
Before closing I had asked XXXX how I would get information about the account, how to withdraw additional funds, statements etc. she had said I would receive a Welcome package after closing. I have not received this package so I dont know where to send the additional funds they put on my account. Yet I am paying interest on it.
I did not receive a statement regarding my loan from Liberty Reverse Mortgage until the week of XX/XX/XXXX more than 1 month after closing. This statement was printed in 5 point type I am a senior and had to use 2 devices so I could read it.
The same week I had received what looked like a check from my bank, XXXX. It was for the amount of the payoff of my XXXX XXXX Account. It looked so much like a check so I went to the bank to ask them what it was. It took them that day to figure it out and called later that day to tell me it was a refund, the account had been paid. Again no paperwork or email had been received until XX/XX/XXXX.
On XX/XX/XXXX I sent a feedback in response from Liberty Mutual to provide them feedback on my experience with Liberty Reverse Mortgage. Again no ability to have a copy of the feedback.
On XX/XX/XXXX or XXXX I received a call from XXXX XXXX (? ) asking me if I wanted to add any more to the complaint. I told her what I wrote in that complaint was about what I felt was Libertys failure to do business in a timely manner and feel that I am paying over twice because of their delays. There are quite a few issues I have with how seniors are treated and the manipulation used in this process is not only ethically wrong but it is morally wrong. XXXX said that she could not do anything but she would escalate it. I had been told that before and nothing happened. I told her that having almost {$20000.00} in my bank account is making me nervous, that I wanted to send the money back and felt I should not be charged interest on it. I also told her that repeating again and again these issues is causing me physical problems and affecting me mentally. I am exhausted. See attached voice recording of the conversation XXXX.
On XX/XX/XXXX or XXXX I receive a call XXXX the ( operation XXXX and XXXX the sales department from Liberty- they are going to escalate it. XXXX said she would email me the welcome package and the information I requested. I received a package of some of the information. The Welcome package still hasnt been received. Enough people at Liberty know this it is stressing me out to have these funds ( where I feel it is vulnerable ) and are affecting my health, they know that I am not sleeping, my health has been severely affected and I am mentally exhausted. I have stated that many times in XXXX in conversations that I feel like I am XXXX XXXX XXXX. The emotional trauma is literally killing me. See attached voice recording XXXX.
Then the week of XX/XX/XXXX I received a letter in the mail. Get this 7 point type. See attachment F.
I guess things are being elevated. I believe they are just trying to delay and do not intend to respond. Knowing this is affecting my health. Maybe XXXX XXXX how many seniors have they put in their graves? By this neglect and strategy ignore the person.
This company needs to be held responsible. Although I do not think this conduct is isolated just to Liberty but to XXXX Mortgage companies.
Suggestions Get copies of the recorded phone calls, these recordings will clarify everything.
Have the recordings evaluated by a XXXX for elder abuse and the isolation. I was exhausted by the time I closed I couldnt take any more. They isolated me, figured out my weakness at that point- my fear that interest rates were going to go up. As I was reminded in several conversations that rates changes occur on Tuesday of each week.
I would like to know all the dbas that have been involved and how many of them are subsidiaries or the relationship with Liberty Mutual.
I would like to have the Welcome package that was promised, the funds returned and the associated interest be returned to m.
My health has been severely affected by this experience. I am a person who rarely has XXXX I have them daily. Experience very disturbed XXXX XXXX I feel suffocated and often find myself XXXX XXXX in which I need to sit up to calm my body. I have lost 2 crowns on my teeth because of the grinding. My XXXX and XXXX track is in pain daily ( XXXX, XXXX, XXXX XXXX and more. I have also developed the XXXX XXXX instead of XXXX normally.
The mental stress and XXXX ( which is why it has taken me so long to put this complaint together ) is fought daily the conduct and lack of humanity these companies use is something that will never leave me. I wonder how many other seniors have experienced the conduct of this company, and have just given up. It is too overwhelming.
I think the reverse mortgage program had good intentions, but never considered the greed of these corporations that have turned it into something so completely vulgar. If this had gone as presented, I would now be able to be kind to people and live my life I am filing this complaint because no senior should go through this.
NOTE : There are 2 - MP3 files that I would like to send- either I already hit the limit on the size or I don't know how to send them. The are important.
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| 03/20/2018 |
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- Struggling to pay mortgage
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Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Attention : Honorable Attorney General XXXX XXXX State of Minnesota XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Re : Florida 's XXXX XXXX XXXX XXXX XXXX Fraud and Retaliation, Foreclosure, and Homelessness for Reporting URGENT Epidemic Level Loan Number XXXX - My Home Mortgage File Number with Ocwen Dearest Attorney General XXXX : I am writing under circumstances that I wish I did not have to write on, but as a military spouse, and advocate for justice, and an American Patriot, I simply can not allow any further deviance and harm by this Corporation, actively housed in Florida, but customer services are " off shore '' ( assumed XXXX, XXXX, XXXX XXXX area ).
I am writing this letter to address the issues of fraud and retaliation for reporting to the XXXX of XXXX Florida that have directed affected me and my family.
There are several major issues affecting the servicing of my home mortgage over the nearly decade that Ocwen has serviced it, and there are immediate issues that if not resolved WILL render my still active military family homeless due to their illegal, penalized, but ignored and continued practices.
Additionally, due to XXXX XXXX XXXX after the XXXX of our XXXX child that took me to the brink of XXXX, but from which XXXX continues to bless me with one more day, I have requested a loan modification under the HUD HAMP ( Making Homes Affordable ) process until I am able to return to substantial work. The modification process was moving forward, approved at all levels as is documented, but took much self-advocacy for the following of the law. Until recently, there have been a number of telephone calls, e-mail, and mail correspondence regarding these issues, and I would like them have these issues researched and resolved immediately, as to move forward with the modification of my loan through the Home Affordable Modification Program, but due to the identified fraud, reporting by me to the XXXX of XXXX Florida who holds the nearly 4000 currently open filed complaints against Ocwen, and their active retaliation against me, we are at a stand still, one that is having a much greater impact that anyone could believe.
The issues are as follows : 1. The property listed in relation to this account at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, MN XXXX has been fully and completely awarded to XXXX XXXX XXXX XXXX XXXX XXXX ( further referred to as XXXX XXXX XXXX XXXX XXXX, with the maiden name of XXXX reported and notarized in previous documents, and attached to this letter as a part of the research file. The property was awarded via divorce in the State of Minnesota XX/XX/XXXX, the Judgment and Decree ( Divorce Order ) being provided a number of times to Ocwen. There is a filed and recorded Quit Claim Deed that has been recorded by the State of Minnesota and the County in which the property and primary residence exists ( XXXX County, Minnesota ), and there are subsequent notices and orders identifying this property as solely belonging to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Let this be a clear subsequent notice that the process of Assumption has been completed by XXXX XXXX XXXX, but has not been recognized by Ocwen, and has led to many issues in completing the loan modification process. The issues are numerous, and require a complete revision of the modification document to remove any naming of XXXX ( XXXX ) XXXX XXXX from the documents.
2. The second, and even more major issues with the loan modification documents have been presented in multiple recorded conversations with Representative XXXX - # XXXX ; Escalation Manager XXXX - # XXXX ; Representative XXXX ; Customer Relations Representative XXXX XXXX ; and several others, including legal counsel, multiple Notary Publics, and persons from the HUD/HAMP Regional and Federal offices.
The issues are numerous, and will require thorough and complete research by Ocwen, and will also be submitted to the HUD/HAMP offices for review. The issues include : A. The Ocwen Loan Servicing Corporation 's ( further referred to as " Ocwen '' or " The Corporation '' ) fraudulent handling of HUD and other Federal mortgage and loan servicing in Minnesota, including my own.
B. The Florida Corporation 's " bullying '' of Minnesota consumers with fraudulent threats of foreclosure, and/or actual unwarranted foreclosures, denial of modifications without following the HUD guidelines that would actually allow for, and encourage the modifications, or going through and completing the modification process, and retracting it for random and illegal reasons.
C. Increasing of the interest rate beyond the maximum agreed upon HAMP Rate, seemingly to recoup the funds that are written off and/or paid at a non-interest bearing rate.
D. The forcing of signatures by persons that have been removed from ownership via divorce, that has been repeatedly documented via divorce decree, recorded Quit Claim Deeds, and State of Minnesota Judicial Orders awarding the property solely to XXXX XXXX XXXX in XX/XX/XXXX.
E. Ocwen and its representatives have repeatedly ( on recorded calls ) cited policies and practices that are in direct contradiction with the Home Affordable Modification Agreement and Program, but because the document was prepared by Ocwen, and served on multiple occasions by Ocwen, the contradictions, attempts at forced agreement, and major illegal actions have simply been re-printed and re-sent to the homeowner, XXXX XXXX XXXX XXXX. XXXX XXXX was advised by Ocwen and its representatives to not change any portions of the documents, or that will delay and/or cancel the modification. Nonetheless, the issues as marked, highlighted, underlined, addressed orally, and in written form have not been corrected, addressed, or made to be legal and congruent with the three-party agreement. In fact, Ocwen has attempted to, within the context of the HAMP Agreement, force the accepting of terms that are not a part of the HAMP program, and are not acceptable Notarization practices, banking/mortgage practices, re-financing practices, and many other practices typically associated with FRAUD. It would be easy to note these as simple errors, if the errors had not changed to be more beneficial to Ocwen, had not been repeatedly sent to the homeowner with specific instructions not to change, cross out or correct any portions of the documents, and if Ocwen had not itself contracted a Notary that refused to notarized the documents due to the repeated issues that are present in the multiple forms of the document. One of these major issues is the attempt to force the Notary to sign off that more than one person was present with only one representation line ( see file ). This is not legal nor acceptable, and also goes against the assumption process that has already been completed multiple times. Another example is the separation of legally binding pages, with blank space that could be modified or doctored and that are required to be connected, or to have the information repeated on both pages. There are over 100 said issues in the documents, each noted in the recorded conversations, in the written documents, and highlighted and/or marked on the multiple copies of the attached documents.
Also attached are the Judgment and Decree ( XX/XX/XXXX Divorce Decree ) awarding the property to XXXX XXXX ( XXXX ) ; the Quit Claim Deed recorded in XXXX County, and the highlighted statements that these have all been verified by Ocwen as a part of the HAMP Modification review process.
Furthermore, it is stated that the HAMP modification will not be honored if not completely executed by XX/XX/XXXX. Because on that date, and for weeks prior to that date, there were multiple attempts to have the documents and contractual agreements made correct and congruent, it is not only viewed that this was the attempt at a forced agreement and legal arrangement by Ocwen for the HAMP contract, on behalf of the Home Affordable Program/HUD Programs, but that Ocwen refused and continues to refuse to put forth the correct contractual documents, rates, etc., as they agreed to put forth with HAMP, but rather, Ocwen appears to want to continue to put forth their own terms using the HAMP process as their gateway. This is not only unacceptable, but it is illegal, and needs to be investigated, without the risk of retaliation by Ocwen, its partners, subsidiaries, fiduciaries, and stakeholders. The investigation must be by all parties involved, and corrected at no penalty to the homeowner who has done due diligence to work with the loan servicer.
F. Florida Corporation, Ocwen, taking retribution actions against Minnesota and other consumers when complaints ( and even law suits, including class action suits ) are launched against them. In my case, when I launched an investigation and complaint with the XXXX of XXXX Florida, who holds Ocwen 's nearly 4000 actively open complaint files for XX/XX/XXXX-XX/XX/XXXX, my modification was revoked, and I went from being approved and moving forward, to being denied, and also given a list of stipulations for the repairs of my home from a septic/sewage/rain damage issue that occurred the last week of XX/XX/XXXX, of which Ocwen was notified right away. The Corporation 's representative also noted that I needed to have another person take assumption and sign documents for my home to again be jointly owned, mailing this correspondence to my ex-spouse of nearly a decade, demanding that he re-assume liability, and, in the same correspondence, my new spouse who is actively working both in civilian and military work. We hold separate lives due to the duty and obligation he, we feel to serve our Nation and our State. Again, all documentation, including divorce decrees, Quit Claim Deeds, are included in the substantial documentation that is actually " simplified ''.
G. Corporations failure to account for all payments made to Ocwen Loan Servicing at all times. Ocwen repeatedly states that I have had a delinquency since XX/XX/XXXX. However, when I began the modification process, I was not delinquent, and was told to hold payment due to trial period being assessed and determined ( on recorded Ocwen line ). During the trial period and beyond, we made the required payments that included Principal, Interest, Escrow, and Taxes from XX/XX/XXXX XX/XX/XXXX via the Ocwen online system ( this can be verified through banking ). They will not account for those payments of nearly {$1600.00}, of which only about {$350.00} are being applied to the principal loan.
H. The Corporation does acknowledge that I completed the trial period and payments in their correspondence informing me that I had been approved for a full modification. I would be sent a modification contract, and you can read much of the back and forth with the names and the notary issues, and the forced assumption, etc. above. However, finally, a document was sent in which I could legally have my own name signed and the process completed, which was done, and all was complete.
I. At that same time, I began to receive a different type of correspondence demanding that I include my former spouse or my new spouse, and the names that were on the documentation were not even mine, spelling my name " XXXX '' and still addressing the materials to XXXX XXXX, my ex-spouse of nearly a decade who has had no claim to the property since XX/XX/XXXX due to divorce decree and Quit Claim Deed.
J. XXXX XXXX XXXX XXXX has no known local or regional offices, but contract several organizations to threaten and/or lead the forclosure processes, come to homes and look in windows, photograph and film inside and outside of properrty through windows, certainly invading privacy, hanging tags to call, notaries, and individual persons who have even approached our then XXXX year old son ( XXXX years old as of XX/XX/XXXX ) to ask him questions about our home, who lived there, and so on. My son was able to describe the man as having " peach skin '' ( XXXX ), dark hair, and " younger than you Mom! '' He said that he drove up in a gold/tan SUV similar to one that we own, and I myself have seen that vehicle slow driving around our property with someone taking pictures out of the vehicle windows regularly.
Actions Requested 1. First and foremost, that these issues be resolved immediately with the proposed actions, consequences, and penalties, a minimum, be sanctioned on The Corporation and Ocwen Loan Servicing as a Subsidiary.
2. That Ocwen Loan Servicing re-approve the loan modification for my home, but that all processes are completed directly by the HUD office, and that all information is correct, and that NO FRAUD, Illegal Actions, Bullying, or other unruly actions continue to take place.
3. During whatever processes need to occur, that I am not continually fined, penalized, harassed, threatened with foreclosure, etcetera, and that I be provided, in writing, the safety and sanctity of our home.
4. That the Corporation, and Ocwen Loan Servicing be stripped of any abilities to do any business in Minnesota, loan servicing in Minnesota, and prayerfully any other States, and that they be penalized to the highest and most stringent points of local, State, and Federal law for their fraudulent, harassing, harmful, unprofessional, and simply un-American making of homeless families as generous financial benefits to their Corporation and subsidiaries.
5. That Ocwen Loan Servicing be investigated for using a " balloon-style '' scheme that raises HUD approved rates to the maximum, and even beyond based on formulary, to increase revenue. I ask that the investigation include the investing or " hiding '' of these and other monies from their schemes being kept " off shore. '' 6. I propose that the Corporation and/or Ocwen Loan Servicing IMMEIDATELY be forced to pay all fines, fees, excess funds paid, funds that have been inaccurately charged, taken, unaccounted for, etc., since XX/XX/XXXX, the start of our mortgage.
7. I ask that I be releaased from being serviced by Ocwen as soon as possible, with all actions, sanction, penalties, and punishments being placed on the Corporation to the highest extent.
8. I ask that Ocwen Loan Servicing be forced to clean nmy mortgage records to be truthful, have sole ownership, follow HUD requirements, State, Federal, HUD, and Commerce laws and regulations.
9. I ask that all overpayments and/or payments that were benefited to the Corporation via their " balloon-style '' and other methods that were misappropriations of " THE PEOPLE 'S '' funding be returned to myself and others that are found to have been affected, and that all Escrows, Mortgage Fees, Escrows, Taxes, etc., be paid by Ocwen and/or the Corporation through the legnth of this process, and for a minimum of five years after.
10. More fairly would be the forcing of Ocwen and its Parent Corporation to pay for the home in full, return all funds to HUD that belong to HUD, and re-build our home at or above the assessed level or {$650000.00}, whichever is more. If more is needed to do the work, then that amount should be used, and should include the replacement of all furniture and other items, including stored keepsakes from my husbands many deployments around the world that could have been saved should Ocwen have cooperated and kept their promises, not committed fraud or retaliation for reporting fraud.
11. I propose that all financial loss from the sewage/septic damage, the refusal to release the checks for payments for services, the refusal to allow services ( listed in their retaliation response included in packet ), and all loss be charged completely to Ocwen and/or the Corporation, and due to the time that has passed, and the likelihood of the need for complete demolition and reconstruction ( aided by ReBuilding Together MN for military families with disabled members that are also low income ). I request that our home be assessed by a County and/or State assessor, that our home be demolished and re-build to that assessed value or above ( estimated {$500000.00} post re-model ; {$350000.00} prior to re-model with no " true '' assessment, only estimated value. at or above the newly assessed value post re-model just prior to the septic issue. Though some work has been done to make the home livable, work has been slow and often halted due to lack of funds to pay because of Ocwen 's refusal to release the dual signature check. Come on, would you want to spend the rest of your life in a house that has been partially or wholly sitting in raw sewage for nearly six months?
12. I put forth that all items, furniture, toys, all items lost ( records and photos available ), as well as the time that we were out of home, etcetera.
13. I put forth that Ocwen Loan Servicing and/or The Corporation be forced to pay for all fees, loss, tax, potential growth, etc. From having to take out every cent of my son 's College fund to pay for at least a home to sleep in, as well as the need to use an " alternative loan '' method to pay for some of the costs that has now lost us more funds, and is consuming what little we have, including the vehicle that we used as collateral.
Additionally, it has been brought to my attention that Ocwen Loan Servicing or it's " Parent Company '' holds my loan, but rather another company, which is believed to be related or a fiduciary to the Corporation, " Parent Company '', or Ocwen itself. The information is limited, vague, and has come with only a postcard 's worth of information sent nearly a year ago.
In many ways, I believe that Corporations such as this one feel the " bravado '' to take advantage of people that are " low income '' or going through difficult times, because they believe they are " smarter, wiser, better, etc. '' However, as a fairly successful dual-PhD trained advocate for American justice in nearly every arena, this is just one Militaray Spouse, Mother, Christian, Minnesotan, and United States Patriot that is standing up with NO FEAR!
Finally, until these many issues are rectified, there should be a NO PENALTY, NO INTEREST, NO FEE STAY on the mortgage, and also a review into any other activities that may have violated the consumer, other consumers, and the law.
This portion of the letter was submitted to Ocwen electronically, via signature-required mail, and via direct e-mail, on XX/XX/XXXX. It is critical that there is recognition that it has been received.
There are far more issues that will be identified here, and then the proposed actions, penalties, and punishments against this Corporation that has no place in our American civil society.
Sincerely, XXXX XXXX XXXX XXXX XXXX CC Office of the Attorney General for the State of Florida, The Honorable XXXX XXXX United States Housing of Urban Development Fraud Investigation Department United States Office of the Inspector General, the Honorable XXXX XXXX XXXX United States Office of the Attorney General, the Honorable XXXX XXXX. XXXX President of the United States, Donald J. Trump
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| 07/11/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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To whom it may concern:
First, I would like to say I am working XXXX. This letter is long & I be sending all documents received from PHH Mortgage Company . This do not include numerous times Ive called. I know all calls are recorded & would like to have a transcript.
After COVID 19, Around XXXX XXXX XXXX, I began Calling. My mortgage Company is PHH Mortgage. The mortgage company would ask questions about COVID and the next thing. OK. You're on a three-month COVID 19 Plan. The first few times I did accept the Plan without really knowing what it was or consisted of. They made it seem like it was something freely approved by the government & you didn't have to pay it back. About a year and a half later, I was like, this is too good to be true. At times, I would call them hollering & demanding to pay my mortgage. They would say the same thing every time. Ma'am, you are OK & you don't owe anything currently. Mind You these people don't speak good English & you can hardly understand them. During the midst of this, Im under doctors care for XXXXXXXX XXXX XXXX XXXX XXXX. Im already stressed & overwhelmed from losing family & friends due to XXXX XXXX. My job building closed down & gave us 2 options to move to XXXX XXXX XXXX XXXX I couldn't do either due to family & children. I didnt want to lose my home. With everything else that's going on. I needed two checks into a XXXX XXXX XXXX but they were all still closed due to XXXX Still. Everything's still virtual. I think around XXXX XXXX XXXX PHH called & or I may have received a letter stating I had a balance of about XXXX Or so. I was shocked & had a major XXXX XXXX. I called PHH Mortgage around XXXX XXXX & asked were there any other COVID Options, PHH responded no & stated that I can apply for a loan modification. I would have taken anything at that time to save my home not knowing what it really meant. So, I signed the agreement and sent it in. I had 3 Trial payments XXXX XXXX XXXX XXXX I made those payments on time. I called XXXX XXXX XXXX. No one knew anything and no one could tell me anything. Around late XXXX XXXX XXXX XXXX XXXX, I called & a Representative after 3 whole months finally figured it out. They stated they never received my paperwork. Strangely, my modification was denied. But they received my 3 payments though. They sent me out another modification package. I filled it out & made sure I returned it. I made another 3 trial payments in XXXX XXXX XXXX XXXX XXXX on time. I called them in XXXX XXXX XXXX XXXX on numerous occasions, over 50 times sometimes I would call twice daily. Each time I called I got a different representative with a different response. Multiple representatives told me not to make any payments until I received an agreement in the mail to be finalized. I couldnt rely on reps once again because they all gave different responses. I rarely check my mail, but something told me to in XXXX. I'm glad that I did because there was a letter in the mail from PHH Mortgage Company stating my modification was denied once again due to missing payments. I asked them what payments did I miss? They stated that I was supposed to continue making the payments for the months of XXXX XXXX XXXX XXXX until the modification was completed. I appealed the decision because I knew what was told to me. I Ask them to go back & listen to the calls and hear what information was given to me by PHH representatives. Of course. I won the appeal because PHH representatives always give out incorrect information. In the letter From PHH Mortgage Company, they admitted to the mistake, apologized, reverse the decision but for the modification to complete I needed to pay XXXXXXXX within 15 days or less. They were quick to reverse that decision but dont want to reverse this one. Im really stressed out now behind PHH errors, mistakes, & wrongful information given by their representatives. I couldn't eat nor sleep up worrying about where am I going to get XXXX from Less than two weeks? I sent the payment in. This whole time I couldnt talk two no one about my account but my account representative, XXXX. I left messages twice a day, daily. It would just go to his voicemail. I would have to call from A different telephone number to get a representative to escalate my call to a supervisor because XXXX never returned any of my calls. When I was finally able. To talk to XXXX. He had no knowledge of the letter or the money I had sent in. He researched it while I was on the phone, found it and stated that he would get back with me. This is late XXXX up until early XXXX. When he calls me back. And goes over the modification with me. He said the year XXXX And I'm like, what? So, I'm starting my mortgage all over again? XXXX XXXX XXXX. Its not a guarantee Im going to live another XXXX XXXX. So, I told him to stop it immediately. Once again, he acted like he was XXXX and didn't know how to handle the call. He was like, I will have to get back with you. I asked him. What was my past due balance of my previous mortgage & to send me a breakdown. I just wanted to pay for that. And stay on my old mortgage loan where he said I had XXXX XXXX left. He tried to convince me to take it, stating my mortgage was. going to be XXXXXXXX less. I told him no because I didn't want to pay XXXX less for XXXX XXXX years. He gave me an answer of about XXXX which I knew was incorrect because I had been getting notices saying $XXXX. But I had made 2 3-month modifications which is 6 payments plus the XXXX so my past due should go down. I never heard from him again & I still couldnt talk to anyone about my account because the modification wasnt complete. I'm still calling daily, When I call on. XXXX XXXX. The IVR system tells me you have a payment due of XXXX and some change. So now I'm able to talk to a representative. because XXXX completed my modification without my approval. Now other reps can see my account. I spoke with several representatives, and they told me my modification was complete on FXXXX XXXX. But wait, it gets worse. After I call in again Several Representatives told me I was put on a blind modification & my first payment wasn't until XXXX XXXX with a higher interest rate & a higher mortgage payment. I couldnt believe companies like this still exist. Companies taking advantage of Customers. like others and me for profit gain. I asked what a blind mortgage is & do companies have the right to do this? I've been calling, emailing, & trying to appeal the decision. They sent me a letter in the mail stating that it was too late, the modification had already was completed. Which is not the truth. I am livid. I'm tired. I'm stressed. This company had taken me through the ringer for the last XXXX years with their incompetency and trying to get rich off poor people. Lying and forcing us to take things that we don't know about. This Company is all about the money and could care less about their customers. I hate to even be associated with a company such as this. I looked at the XXXX. & I see tons of Horrific Reviews. Where are the people that hold these companies to a standard? XXXX XXXX FHA, HUD, etc. Who because I will not let this rest. I have a XXXX and have been under XXXX XXXX XXXX treatment for years. I am not XXXX XXXX XXXX to make any decisions. My XXXX XXXX sons make my decisions for me. They must read everything to me since my sight is not so good. Since reading the XXXX complaints. I just realized I got an Escrow Analysis in the mail recently which is increasing my mortgage higher, and this has been every year. But I've never paid any attention to it. They also didnt pay my homeowners Insurance and it collapsed. I had a very low rate since I was with this company for a long time. So, when they finally reinstated me, my insurance premium went up to the current rates much higher due to their mistake. This has been a nightmare. My health and XXXX XXXX have declined. Not knowing if your home of XXXX years is going to be taken away from you. XXXX nights, not knowing day to day If my house would be foreclosed on. Where are my XXXXXXXX XXXX, my XXXX father & I going to live? If this issue is not resolved, I will be seeking legal representation for negligence, falsification, punitive & XXXX damages.
XXXX XXXX XXXX I received 2 letters from PHH Mortgage stating they had received my application. Is this a response from my medication that was signed & dated XXXX XXXX XXXX The first letter states they received my application & it was under review. The second letter states they received my application & it was incomplete due to missing documents due by XXXX. Once again, I didnt send in new documents, so how is my loan complete.
2. Around XXXX I received a letter from PHH less than 10 days from the above dates stating my application was denied due to missing payments. I have to find this letter. I called in several times & asked why. Finally got a rep to tell me I was denied due to missing payments, I asked what payments were late because I completed my 3-month trial which was XXXX & payments were made on time. They said no I was supposed to keep making payments until modification was completed. I called in from XXXX XXXX XXXX asking reps do I need to make a payment? Several reps told me something different & others stated they would escalate because they were more confused than I was. I submitted an appeal due to the representatives incompetence & lack of knowledge.
XXXX XXXX XXXX I received a letter from PHH stating that they regret the negative experience I encountered & they were disappointed. They reviewed 1 of the many calls I made from XXXX XXXX XXXX & heard their rep told me not to make any payments. They reviewed the request & reversed the denial decision & reinstating the modification, but I had to pay XXXX XXXX XXXX XXXX XXXX I had to wait to receive the letter that gave me about 10 days to pay it. The nerve they had to demand a payment of such large amounts in such little time due to their mistake. However, after begging & borrowing I made the payment the payment XXXX XXXX XXXX That should have voided the contract. I would like to have that money returned.
4. XXXX XXXX, they received correspondence & will be providing me a response in 30 days. This is about something else, not about the money I sent in. My relationship manager was XXXX XXXX. That meant he oversaw my account & no one else could access it or share any information about it. In this process from XXXX XXXX XXXX XXXX XXXX he was very hard to get in contact with. The first time I talked to him, he had no reconciliation about the letter or the money. He said let him review & he would call me back. Call is recorded just like the rest. Im worried about my home being taken away, so Im calling every day sometimes twice going straight to his voicemail. The trauma this company has put me through.
XXXX XXXX XXXX XXXX, I received a mortgage statement stating total amount due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter stating they received the payment & the trial plan was completed. At this time my account was under review for final modification & allowed sufficient time for the process to be completed. XXXX XXXX XXXX XXXX I received a letter stating my mortgage was eligible for Mortgage FHA COVID-19 RECOVERY MODIFICATION. Please sign & closed documents by XXXX XXXX XXXX My first payment would be due XXXX XXXX XXXX in the amount of XXXX. Say What & when??? My modification was signed in XXXX XXXX, my mortgage was XXXX. Now I know this company is fraudulent for real. I didnt sign it. XXXX XXXX XXXX XXXX, I received a letter from PHH finding a copy of my fully executed loan modification agreement. In this agreement, they have my signature from XXXX XXXX XXXX & PHH signature on XXXX XXXX XXXX. It states my monthly payment is XXXX begins on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a monthly statement due XXXX XXXX XXXX XXXX XXXX I received another monthly statement dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I only owe you a little a XXXX I know Im confused & they are too. I think they multiple accounts for me with different Account Representatives that dont know what they are doing. If its too much for them, its very overwhelming for me.
XXXX XXXX XXXX XXXX, notice of ownership change. This letter verifies that ownership was transferred on XXXX XXXX XXXX. I dont understand what this means. First, Ive been with PHH already. Secondly, how did they transfer on XXXX XXXX XXXX and my modification was completed on XXXX XXXX XXXX. I see so many illegal & unethical practices of this company. Its so sad. We work hard just for you to try & take our money. XXXX XXXX XXXX XXXX I received a letter with important account information. The total amount due on the account is XXXX XXXX XXXX XXXX XXXX, I received a letter stating thank you for the request for mortgage assistance. We reviewed the application and documents received. The application is currently complete as of XXXX XXXX XXXX It also states that they will review all possible mortgage assistance options. This is incorrect information because I didnt know anything about the XXXX XXXX until you completed the approval of my modification after I asked you to stop. I have found out so much about mortgage companies, loans, escow,etc. Secondly, I dont know what application or paperwork you are referring to because the last information you received from me was XXXX XXXX XXXX payments made XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted late on XXXX XXXX XXXX. Oh, lets not forget the payments I made XXXX XXXX XXXX XXXX Another letter was sent on the same date with the right to receive a copy of valuation to determine companys value. Still stating I applied for mortgage assistance, and they will review the application to determine whether its complete. Ive been confused since XXXX when PHH was just putting you on 3-month payment plans. Im even more confused now. I applied for my first modification around XXXX XXXX I completed those trial payments. One letter Im approved, the next letter Im not. I dont know if Im coming or going. Im off work right now due to your companys incompetence to know & do their job. The XXXX anguish you have inserted into my life.
XXXX XXXX XXXX XXXX I received an off-scheduled escrow stating increase and explaining there is a shortage. I get one of every year, not knowing if this is illegal or not I will also include last years escrow too,
XXXX XXXX XXXX, I received a letter as a response to my wanting to cancel my new modification agreement between XXXX XXXX XXXX. I talked to XXXX XXXX & told him I didnt want to go through with the modification before my modification was complete, I told him to stop the modification process because I didnt agree to the terms until the year XXXX. He didnt know what to do. He stated he will call me back and never did. The response letter was that I responded to the letter with a payment by XXXX XXXX XXXX XXXX XXXX had already told me payment was received on XXXX XXXX XXXX. They stated on this letter that PHH received a signed modification on XXXX XXXX XXXX I didnt sign anything on XXXX XXXX XXXX The letter stated I requested to cancel the medication on XXXX XXXX XXXX. If that was the case, why XXXX just didnt say that. He didnt because it wasnt completed yet. The whole time my account was in the process, no one had access to it. I called daily. Finally, XXXX XXXX XXXX XXXX my account was released, and a Representative answered my call & told me my modification was completed on XXXX XXXX XXXX Other reps I talked to state the same thing. All calls are recorded. The letter also stated a modification agreement had been recorded due with the county & a partial claim agreement had been submitted to the county for recording. Therefore, they are unable to reverse the modification. PHH is fraudulent because I requested the modification be stopped before they submitted it. XXXX XXXX never answered or responded to my messages. If PHH hired capable reps, we wouldnt be having this issue,
XXXX XXXX XXXX XXXX early intervention-borrower assistance. The account is in default & payment due for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received correspondence stating congratulations Im eligible for mortgage eligible for FHA covid-19 recovery modification. Please sign and return the enclosed documents by XXXX XXXX XXXX. I never applied for it & never signed it. New monthly payment XXXX due by XXXX XXXX XXXX. I have seen 4 or 5 different amounts owed & different due dates. The reason I have made no payments is because I requested the medication to be stopped.
XXXX XXXX XXXX XXXX, in order to finalize the loan modification. It must be recorded in the local. Recording office. The enclosed documents must be completed, signed and returned to us by XXXX XXXX XXXX, in order for PHH to submit the loan modification for recording. Once the documentation is received and determined that it successfully resolves the title issue. We will proceed with recording and finalizing the loan modification provided all other requirements under the trial plan and or modification have been met. In documentation above with the county there is a letter stating that the modification was recorded on XXXX XXXX XXXX. That was the reason for the denial of the reverse modification that I requested in late XXXX XXXX XXXX to be stopped because I didnt agree with the new terms. This experience is the most horrific experience Ive encountered and have. taken a toll on my health as well as my credit score. XXXX XXXX XXXX XXXX same date as above received correspondence stating that there is an issue with the title. We cannot complete the modification. The permanent modification approval. Is conditioned upon our receipt of a clear title. While conducting a title search on the property, we must identify the issues that prevent us from modifying the mortgage. In order to. Proceed with a permanent modification review. We need the account holders to respond no later than XXXX XXXX XXXX XXXX Is there anyone that understands this and can explain it to me and make it make sense. I'm so exhausted. From this long overdue process due XXXX & untrained Reps. PHH is the problem. I'm tired and weary of not knowing day to day if this unethical company is going to steal my house and my money, PHH Mortgage is fraudulent and seems to do as they please regardless of the consequences of whom they affect. If it benefits them for monetary gain. We are in a recession & still in a crisis due to Covid-19. PHH where are morals and Principles? It's apparent according to the XXXX XXXX XXXX your company lacks empathy or sympathy for hundreds of customers like me.
XXXX. Lastly, but not least, a letter from my doctor regarding my health.
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| 06/29/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX XXXX into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the " Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my " points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the Libor rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named XXXX Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at Idaho Housing and Finance Association. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email " XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX XXXXXXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so " good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done XXXX for XXXX years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters " THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been XXXX since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out. Yesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX who acquired OCWEN. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them. I spoke with my housing counselor today. She informed me that she spoke with XXXX yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency. XXXX XXXX
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| 06/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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This is the only specialty of Ocwen. This is the only duplicate their lair rep mentions about. The send criminals to XXXX on your property stole your private property using forge documents, lying to clients, deceiving clients and if they see that this I not working they used death threats tactics in order to intimidate people. This criminal organization must close soon permanently. I get death treats from XXXX 18 to 28 per days. Since I am not scare of this criminal behavior as I discover some IP addresses of those criminals I will go to XXXX to file criminal charges and close the doors of those hate-Americans criminals forever. This is the only expertise this pirate mortgage company has.
Serviced loans using error-riddled information : Ocwen uses a proprietary system called XXXX to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its XXXX system. And even when data was accurate, XXXX generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck.
Illegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement.
Failed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors.
Botched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts.
Mishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance.
Bungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its XXXX system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact.
Deceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers.
Failed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option.
Failed to adequately investigate and respond to borrower complaints : If an error is made in the servicing of a mortgage loan, a servicer must generally either correct the error identified by the borrower, called a notice of error, or investigate the alleged error. Since XX/XX/XXXX, Ocwen has allegedly routinely failed to properly acknowledge and investigate complaints, or make necessary corrections. Ocwen changed its policy in XX/XX/XXXX to address the difficulty its call center had in recognizing and escalating complaints, but these changes fell short. Under its new policy, borrowers still have to complain at least five times in nine days before Ocwen automatically escalates their complaint to be resolved. Since XX/XX/XXXX, Ocwen has received more than 580,000 notices of error and complaints from more than 300,000 different borrowers.
Failed to provide complete and accurate loan information to new servicers : Ocwen has allegedly failed to include complete and accurate borrower information when it sold its rights to service thousands of loans to new mortgage servicers. This has hampered the new servicers efforts to comply with laws and investor guidelines.
Operations Targeted Financially Distressed Consumers in Danger of Losing Their Homes XXXX XXXX The Consumer Financial Protection Bureau today announced actions to halt two alleged mortgage loan modification scams it believes ripped-off thousands of struggling homeowners across the country. In total, these operations took in more than {$10.00} XXXX by charging consumers for services that falsely promised to prevent foreclosures or renegotiate troubled mortgages.
We are taking on schemes that prey on consumers who are struggling to pay their mortgages or facing foreclosure, said CFPB Director XXXX XXXX. We are especially concerned with those who misrepresent government programs or websites to divert distressed homeowners from needed assistance.
At the request of the CFPB, U.S. District Court Judges in the State of XXXX have ordered a halt to both operations, the XXXX Law Firm and the National Legal Help Center, and frozen their assets while the CFPB moves forward with the cases. The case involving the National Legal Help Center was initially referred to the CFPB by the Office of the Special Inspector General for the Troubled Asset Relief Program ( SIGTARP ) and Treasurys Office of Financial Stability, which have coordinated closely with the Bureau throughout the investigation.
It is absolutely unacceptable for unscrupulous con artists to take advantage of our nations housing crisis by targeting homeowners looking for help from TARPs Home Affordable Modification Program, said XXXX XXXX, Special Inspector General for TARP ( SIGTARP ). We thank the CFPB for protecting homeowners. SIGTARP will continue to stop these scams and educate homeowners that mortgage modifications through HAMP are free.
The CFPB is targeting loan modification operations that attempt to disguise their false promises of relief for struggling homeowners with claims that they are performing legal work or are a law firm. The Bureau is also particularly concerned with schemes that attract victims with false claims that they are endorsed by or represent the government. These tactics are used by mortgage relief scams to attract victims, add credibility to their schemes, or exploit certain legal exemptions for the practice of law.
The CFPB complaints allege that the defendants in both cases violated the Dodd-Frank Act and Regulation O, formerly known as the Mortgage Assistance Relief Services Rule. These laws prohibit unfair, deceptive, or abusive acts or practices and protect distressed homeowners from mortgage relief scams.
Violations of the law alleged in the CFPBs complaints in both cases include : Illegally charged large upfront fees : It is against the law for mortgage relief providers to charge fees before services are provided. However, the defendants in both cases collected fees early on, typically ranging between {$1000.00} and {$4500.00} from each distressed homeowner, for services that rarely if ever materialized.
Deceptively claimed to be affiliated with government agencies and/or programs : Defendants in both cases used deceptive language and mailings with government logos, letterhead, and/or marks to mislead consumers into believing that their mortgage relief services were sponsored by or associated with government agencies or programs.
Misrepresented that they would secure loan modifications for consumers : Defendants misled consumers that the defendants were experienced negotiators who would substantially reduce mortgage payments, and that defendants would identify legal violations by consumers banks or mortgage companies to use as leverage in loan modification negotiations. However, it appears that defendants failed to provide meaningful relief for consumers.
Instructed consumers to stop paying their mortgages and stop contacting their lenders : Financially distressed consumers were told to avoid interactions with their lenders and to stop mortgage payments because the defendants would provide relief, potentially putting the consumers unknowingly at risk of losing their homes and/or ruining their credit scores.
The CFPB also alleges that, after pocketing thousands of dollars in illegal fees from one distressed homeowner after another, the defendants in both cases typically stopped returning consumers phone calls and emails. In the end, many consumers learned that the defendants had not contacted their lenders or obtained any meaningful relief for them. Ultimately, homeowners across the country lost thousands of dollars each and suffered significant economic injury, including losing their homes.
National Legal Help Center The more recent of the two actions involves XXXX residents XXXX XXXX and XXXX XXXX XXXX and their operation, National Legal Help Center, which appears to target consumers in all 50 states with false promises of mortgage relief. According to the CFPB, National Legal Help Center falsely claimed that they would provide legal representation for consumers even though the individual defendants are not attorneys and consumers received no actual legal representation.
Defendants falsely claimed that, for a fee, they could assist consumers in getting benefits from government-affiliated programs, including the recent nationwide mortgage servicing settlement between state attorneys general and the federal government, and the five largest mortgage servicers. Defendants also falsely claimed that they were associated with the Independent Foreclosure Review program overseen by the Office of the Comptroller of the Currency ( OCC ) and the Federal Reserve. In reality, the defendants were not affiliated with either of the programs or in a position to provide the promised benefits to consumers. In fact, on XX/XX/XXXX, the OCC issued an alert on its website about this scam.
This is the trophy activity of Ocwen In one case, a former in-home caregiver and her husband who were indicted in XXXX for allegedly defrauding an elderly veteran with XXXX out of about {$180000.00}. More charges are expected, and police say the couple took about {$500000.00} from the XXXX-year-old man.
In another case, a handyman convinced an elderly woman to give him power of attorney. He took out a reverse mortgage on the home which the woman had owned since the XX/XX/XXXX, and she never saw any of the money. She almost lost her home due to the scam.
We also heard a troubling story about how the CEO and CFO of a XXXX investment firm were charged with 66 felony counts of elder abuse, securities fraud, and conspiracy for bilking older investors of more than {$2.00} XXXX over an eight-year period.
The Government Accountability Office report on combatting elder financial abuse identified cases that are particularly thorny for social service, criminal justice, and consumer protection agencies. These cases involve exploitation by in-home caregivers, agents with power of attorney, and financial service providersexactly the kinds of cases mentioned above. These cases also demonstrate why family members or others who have close contact with older adults can play an important role in spotting and preventing elder financial abuse and exploitation.
At the inaugural meeting of the Elder Justice Coordinating Council last fall, we heard concerns that echo what the XXXX reported. We shared those concerns with Congress shortly after the report came out. We also detailed the work our Office for Older Americans is doing to combat some of these problems. We are : Developing guides for family members and others with legal authority to handle money for older relatives or friends, but who may not have formal training. The guides will help people understand proper record keeping, good frameworks for investing, and other basics of managing a vulnerable adults money. They also will help people recognize and respond to financial exploitation.
Producing a guide for people who operate group living centers dedicated to serving older adults, such as XXXX XXXX or XXXX XXXX XXXX. We are also establishing partnerships with organizations to help distribute this information.
Partnering with the FDIC to create XXXX XXXX for Older Adults, a community education and training program for older adults and for caregivers.
Coordinating with stakeholders in several states to create and sustain multi-disciplinary older American protection networks. We are also developing strategies to communicate that the Gramm-Leach-Bliley Act generally does not prohibit companies from reporting suspected elder financial exploitation. For many of them, this is often a point of confusion.
The Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly.
Through its complaint, filed in federal district court for the XXXX District of XXXX, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law.
The lawsuit is available at : XXXX XXXX XXXXXXXX The Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly.
Through its complaint, filed in federal district court for the XXXX District of XXXX, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law.
Operations Targeted Financially Distressed Consumers in Danger of Losing Their Homes XXXX XXXX. The Consumer Financial Protection Bureau today announced actions to halt two alleged mortgage loan modification scams it believes ripped-off thousands of struggling homeowners across the country. In total, these operations took in more than {$10.00} XXXX by charging consumers for services that falsely promised to prevent foreclosures or renegotiate troubled mortgages.
We are going to have 150,000 demonstrating in XXXX against those criminal activity of Ocwen After it the doors of this filthy pirate mortgage company will be close permanently This is the prce for this {$100000.00} property stolen temporary from me. In XX/XX/XXXXand XX/XX/XXXX and XX/XX/XXXX in order to intimidate me they put XXXX criminals to call me 15-20 a day, making even death threats or claiming they are from US Gov. Grants Dept. or from IRS or from Justice Dept. or even FBI or Police Dept. I suspect that a low-level clerk XXXX XXXX from XXXX XXXX is directly responsible for organizing this XX/XX/XXXX looting perform by XXXX since Ocwen and XXXX was the only Institution informed about my trip to XXXX and this action was in ravage to my opposition to their fraudulent and criminal activity. Low level Ocwen clerk XXXX XXXX from XXXX XXXX and the low lever worker XXXX from XXXX knew I will be in XXXX ( documenting Ocwens and XXXX forge documents ) informed XXXX that used XXXX, that used looter XXXX XXXX to loot, vandalize destroy my property in XX/XX/XXXX. Again in a top secret close door knowing that I will not be home to protect from such a criminal attack
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| 06/02/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I built my home and finance it by myself, in XXXX.
I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX ) into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day XXXX rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day XXXX. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX.
In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the " Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my " points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was XXXX to my XXXX young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure.
GMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone!
XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the XXXX rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the OCC in XX/XX/XXXX.
Then the pandemic hit and I started receiving mortgage statements from a company named XXXX XXXX. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an XXXX page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email " XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and XXXX. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX XXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so " good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done taxes for 33 years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was XXXX, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all.
In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their XXXX XXXX XXXX shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters " THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply.
Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been self-employed since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up.
I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. Please let me know how we will proceed from this point.
Thank You, XXXX XXXX
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| 03/17/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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Date Duration Subject Staff Summary XX/XX/XXXX ( XXXX ) 10 Intake XXXX Spoke with a client that was referred to XXXX XXXX XXXX by HUD.gov.XXXX XX/XX/XXXX ( XXXX ) 45 Intake XXXX Spoke with client son via phone at XXXX stated servicer is Ocwen. Initial email sent to client appointment scheduled for parents XXXX and XXXX XXXX for XX/XX/XXXX @ XXXX XX/XX/XXXX ( XXXX ) 10 Intake XXXX Called client to confirm appointment scheuled for XX/XX/XXXX @ XXXX stated they would be there, asked if they ha any additional questions or concerns, clients stated not at this time.XXXX XX/XX/XXXX ( XXXX ) 10 Intake XXXX Received call from client to move appointment date up from XX/XX/XXXX to XX/XX/XXXX client would like to keep the same time of XXXXXXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Met in-person with client ; opened as HUD Counseling File in CMAX ; conducted one-on-one orientation ; reviewed and updated Intake Form ; discussed and reviewed disclosures ; Authorization signed by client ; conducted Financial Analysis ; discussed household budget ; reviewed and analyzed Tri-merged Credit Report File ; executed Action Plan, sign by Client and Counselor ; XX/XX/XXXX ( XXXX ) 60 Appt XXXX Met with client for one on-one counseling session went over the following HARDHSIP : Due to increase in medical expenses INCOME : At this time client income is {$4000.00} AFFORDABLE MONTHLY PAYMENT : Affordable monthly payment is XXXX RECOMMENDATION : Client submit for a loan modification to reduce the monthly payment to a more affordable dollar amount. Also advise the client to apply for the County tax exemption program contacted agency spoke with XXXX who stated she will mail client application, upon receipt client to notify agency to help to complete form and submit. Client notified of Financial Literacy Symposium they're unable to attend. The next appointment is scheduled for XX/XX/XXXX to discuss file submission and any new updated that have been received. XXXX XX/XX/XXXX ( XXXX ) 10 SUBMITTED TO SERVICER SLW Efaxed Authorization Form to Ocwen ( XXXX ), Ocwen ( Authorization Form ) ( XXXX ), Ocwen XX/XX/XXXX ( XXXX ), Ocwen XXXX ( XXXX ), Ocwen XX/XX/XXXX ( XXXX ), Ocwen Authorization Form ( XXXX ), Ocwen Fax ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) 30 Processing XXXX Modification package submitted to the servicer.Faxed to XXXX.XXXX XX/XX/XXXX ( XXXX ) 10 Intake XXXX Sent Loss Mitigation documents as requested. XXXX XX/XX/XXXX ( XXXX ) 10 Intake XXXX Uploaded Authorization Form, Intake, Annuity Statement, SSI Benefits , Mortgage Interest, Taxes XXXX, W-2 Taxes XXXX, Ocwen MAA , Mortgage Statement XX/XX/XXXX ( XXXX ) 30 Misc XXXX SENT EMAIL INVITE TO XXXX FINANCIAL SYMPOSIUM.XXXX XX/XX/XXXX ( XXXX ) 1 Misc XXXX XX/XX/XXXX - Called client to invite to XXXX Symposium. Client wasn '' t available. Sent/forwarded invite email. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer, spoke with XXXX in the Loss Mitigation department, he stated the file is currently under review, no additional documents needed at this time let him know that i would call back XX/XX/XXXX @ XXXX for another update.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called client for schedule appointment, updated the client let them know file is currently under review also requested updated bank statements. Next appoinment scheduled for XXXX XXXX at this time to discuss status of Modification. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Submitted bank statement to servicer XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called the servicer , spoke with XXXX in the Loss mitigation department, he stated underwriting was requesting updated bank statements let the representative no we would submit ASAP, asked that we fax to XXXX. The next appointment scheduled for XXXX to confirm receipt of bank statements submitted XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called borrower for an update let them know bank statement were submitted on XX/XX/XXXX at this time no additional documents are needed next appointment scheduled for XX/XX/XXXX @ XXXX to discuss status of modification.XXXX XX/XX/XXXX ( XXXX ) 45 Misc XXXX Called the servicer with client on the line for an update file still under review no additional documents needed client stated she made a payment in the amount XXXX on XX/XX/XXXX next appointment scheduled for XX/XX/XXXX @ XXXX to contat the servicer for an update along with the borrower. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called the borrower for scheduled appointment asked that they update their bank statements on file. At this tme no change in status of file with servicer. Next appointment scheduled for XX/XX/XXXX @ XXXX. To discuss status of modification with servicer as well as client XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Updated Bank statement submitted to Ocwen at XXXX spoke with XXXX XXXX XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Processing XXXX Uploaded Annuity, Fax Cover and SSI Benefits to onedrive ( Fax ). XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted client, no change in file status, scheduled follow up for XX/XX/XXXX.XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Called the servicer stated the loan modification was denied because the investor does not allow modification on this type of note investor is XXXX XXXX XXXX XXXX , XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX . Will contact client with an update. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Received phone call from servicer spoke with XXXX in the Loss Mitigatin department , confirmed that the only option for the client is to move forward with a short sale or Deed-in-Lieu let the servicer know at this time the borrower was going to try and sustain homeownership. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called clients with an update from servicer. At this time the only option available is to reinstate the loan or short sale, deed in lieu. Client updated via phone. Next appointment scheduled for XX/XX/XXXX to discuss clients options moving forward-reinstatment, short sale or deed-n-lieu. XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Called borrower left voicemail next appointment scheduled for next week XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Spoke with client for scheduled appointment, client have decided to move forward with liquidation, let the clients know I would notify the bank of the intent to move forward liqudiation and request the Short sale package. Next apointment scheduled for XX/XX/XXXX to discuss placing the home on the market for liquidation XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Spoke with client for scheduled appointment, clients received short sale packge from servicer, will be using a family friend to work with to place home on the market asked that they notify XXXX XXXX XXXX once the home has been placed on the market, client would like to fix some items that are in need of repair but stated home would be placed on the market in the next 14 days. Next appointment scheduled for XX/XX/XXXX @ XXXX to discuss status of short sale. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Spoke with client for scheduled appointment home has been placed on the market have had 4 couples look at the home no offers as of yet. Next appointment scheduled XX/XX/XXXX @ XXXX to disucss status of short sale. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Spoke with client for scheduled appointment at this time no change in property several viewing no offers, asked if they have spoke with their agent about reducing price of property to get an offer.Next appointment scheduled for XX/XX/XXXX @ XXXX to discuss status of short sale. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Client has placed home on the market for a short sale at this time a contract has been placed on the property and file to be resubmittedto the servicer. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Spoke with client contract accepted on property will submit complete short sale package to the bank upon receipt client has submitted updated financials. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called the borrower servicer, spoke with XXXX in the Loss Mitigation department , submtted Short sale package to XXXX fax XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Misc XXXX Spoke with servicer, confirmed receipt of short sale package, was submitted XX/XX/XXXX spoke with XXXX asked that we call back XXXX XXXX for another update, client given update via phone as to the status of the account.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called the servicer spoke with XXXX in the Loss Mitigation department stated file has been transferred to PHH should have additional information no later than Friday XX/XX/XXXX. Next appointment scheduled for Tuesday XXXX XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Contacted new servicer PHH AF not on file asked that we resubmit to XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Authorization form resubmitted to XXXX.Next appointment scheduled for XXXX XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called servicer spoke with XXXX in the Loss Mitigation department rep stated AF not on file asked that we resubmit to XXXX. Next appointment scheduled for XXXX XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke with XXXX in the Loss Mitigation department stated AF was not on file asked that we resubmit to XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke with XXXX ID XXXX the following items are being requested Listing Agreement, HUD 1, Sales Contract with addendum extension, update HOA information. Next appointment scheduled for XX/XX/XXXX@XXXX.Fax to XXXX or email to XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke XXXX need the following : Listing agreement correct borrower name and list price signed and dated by borrower and listing agent, MLS Listing agreement , HUD 1, supporting documents for HOA mention as per the settlement or closing disclosure, supporting documents HOA dues fax to XXXX email XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Requested items resubmitted.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Requested items resubmitted via email.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Spoke with servicer asked that buyer update HUD 1 and remove XXXX XXXX from all documents as his name no longer appears on the loan, email sent to listing agent and homeowner next appointment scheduled for XX/XX/XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke with XXXX ID XXXX XXXX confirm receipt of documents stated she hoped to have a decision by Friday XX/XX/XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke with XXXX IDXXXX confirm receipt of all requested documents asked reppresentative to check the status of the amount of closing cost allowed asked that we call back XXXX XXXX for an update.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called servicer spoke with XXXX ID # XXXX in the Short sale department in reference to Short Sale approval rep stated all requested documents had been received underwriting was still waiting on closing cost assistance rep submitted formal complaint to escalate review, case ID # for escalation is XXXX. Next appointment scheduled for Monday XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called servicer spoke with XXXX ID # XXXX in the Short sale department file has been escalated call scheduled for XX/XX/XXXX @ XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Contacted the borrower servicer spoke with XXXX ID XXXX in the Short sale department file escalated to management next appointment scheduled for XXXX XXXX@XXXX.with POC assigned to file.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Did not receive a call back from servicer next appointment scheduled for XXXX XXXX @ XXXX.
XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke with XXXX Agent ID # XXXX stated at this time appraisal was in the process of being completed. Next appointment scheduled for XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 10 Appt XXXX Spoke with XXXX about SYMP , Interested and will check email, Will call back XX/XX/XXXX to confirm future appointment with XXXX, XXXX and Symposium registration- XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the borrower servicer file under review escalated file to CFPB notifiy client of complaint file with CFPB next appointment scheduledfor XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Left VM to confirm appointment XX/XX/XXXX XXXX, will follow up with XXXX to confirm next appointment.- XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicers spoke woth XXXX ID # XXXX stated file was under review escalation sent to upper management next appointment scheduled for XX/XX/XXXX@XX/XX/XXXX.XX/XX/XXXXXX/XX/XXXX ( XXXX ) 30 Appt XX/XX/XXXXContacted servicer spoke with XXXX ID # XXXX stated file was with underwriting no updates had been given on the file asked for the file to be escalated rep stated he would submit file to upper management for review. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Submitted complaint to CFPB. Complaint ID # ID FOR COMPLAINT SENT TO PHH MORTGAGE SERVICESXXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the borrower servicer waiting on the approval from the Mortgage Insurance submitted XXXX XXXX next appointment scheduled for XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX File was approved for Short sale incorrect names on approval letter contract resubmit along with XXXX also sent request to servicer as to why closing cost assistance is not being given to the sellers? Next appointment scheduled for Friday XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Next appt. XX/XX/XXXX @ XXXX XX/XX/XXXX ( XXXX ) 45 Appt XXXX Following documents submitted to the servicer via email- HUD 1 , Short sale affidavit and updated listing agreement. Borrower notified that requested documents had been submitted to the servicer, emailed to XXXX next appointment scheduled for XXXX XXXX @ XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Contacted the borrower servicer spoke with XXXX in the Loss mitigation department stated the following documents are needed : Sales Contract, Addendum to Purchase agreement updated HUD 1 Listing Agreement. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Emailed the following requested documents to XXXX.Next appointment scheduled for XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 45 Appt XXXX Contacted servicer spoke with XXXX ID # XXXX in the Short Sale department stated the following information is being requested by underwriting : Most recent HOA statement, updated HUD 1, updated purchase contract, Listing agreement fax information over to XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Called borrower requested updated HOA statement stated she would fax over tomorrow XXXX XXXX next appointment scheduled for XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Sent email for next phone appt date w/XXXX, Stated for Client to confirm appt w/in 24-48hrs, Checked Client '' s Electronic File, Sent email requesting Bank statement ( 30 Days ) and Monthly Spending Plan.- XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer spoke with with rep XXXX ID # XXXX in the Short Sale department confirmed receipt of all documents which was noted received on the file XX/XX/XXXX under review with underwriting asked that we call back Tuesday file should be in final review by that date Tuesday XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 45 Appt XXXX Contacted the servicer spoke with XXXX underwriting requesting XXXX listing agreement, HUD 1, purchase contract, and HOA docs submitted again via faxed . Contacted client with update next appointment agreed by all is scheduled for XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Disclosure and Action plan updated in client file. Program assistance to email for signature. Next appointment with client next appointment agreed by all scheduled for XX/XX/XXXX@XXXX.XXXX XX/XX/XXXX ( XXXX ) 15 Appt XXXX Contacted XXXX ID XXXX email XXXX reference loan number.
XX/XX/XXXX ( XXXX ) 15 Appt XXXX Sent Client email, Attached New Action Plan and New Disclosures, Requested correspondence w/in 24-48 business hrs.- XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the servicer with borrower on the phone, spoke with XXXX in the Short sale department confirmed receipt of all requested documents file is with underwriting and expect a decision by Friday XXXX XXXX. Next appointment scheduled for XX/XX/XXXX @ XXXX. XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contact the borrower servicer spoke with XXXX in the Loss mitigation department, stated file is under review scheduled and appointment for XX/XX/XXXX @ XXXX am agent ID # XXXX XX/XX/XXXX ( XXXX ) 30 Appt XXXX Contacted the borrower servicer spoke with XXXX ID XXXX XXXX, stated the file was currently under review and someone would be in contact within 30 days, explained to the servicer that this short sale has been opened for 2 years asked that the file be escalated to prevent from losing another buyer. File escalated to CFPB.XXXX
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| 07/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We, XXXX XXXX XXXX and XXXX XXXX XXXX, signed a Mortgage and a Promissory Note with XXXX XXXX XXXX. The purported loan closing date was XX/XX/XXXX with a XXXX # of XXXX. APN/Parcel/PIN : XXXX. The Subservicer of the Loan was XXXX XXXX XXXX XXXX and the Master Servicer was XXXX XXXX XXXX, XXXX. The alleged Loan Originator was XXXX XXXX XXXX. It has come to our attention that the named Payee on our Note was neither a source nor a conduit for funds. The naming of a Payee who is not the source of funding prevents merger of the debt with the note, which can only occur when the Payee and creditor are the same.
In most cases, the named Payee is different from the creditor ( s ) who funded the loan, intentionally or otherwise, and in our case, the recorded Mortgage names XXXX XXXX XXXX as the purported Lender who is different from the creditor who actually funded the loan - whoever that might be. The named Payee on the note and mortgage were never in privity with the actual funding source.
Subsequently, on XX/XX/XXXX the Mortgage was purportedly assigned by Mortgage Electronic Registration Systems ( MERS ) to XXXX XXXX XXXX , XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX Mortgage Backed Certificates, Series XXXX, as nominee for Lender and Lenders successors and assigns, although XXXX XXXX XXXX had already gone bankrupt in XXXX. The mere presence of MERS is indicative of the flaws and defects that exist in the chain of title in regard to purported transfers of the Mortgage pertaining to our family home.
The claims by MERS are false claims. MERS claims an agency relationship based upon a series of relationships. MERS has never pled or proven such relationship. There is no agency relationship. MERS has no members. MERS makes the False Claim that they are a Mortgagee. MERS has not shown any prima facie evidence or proven that the person who signed the Assignment of Mortgage for MERS was an Assistant Secretary of MERS. We have never been shown any prima facie evidence that the owner of our alleged debt is held by a member of MERS. We have never been shown that the records of MERS are accurate.
In Illinois, a mortgage is considered real property. In order to have a valid and enforceable title to the mortgage contract there must be a complete WRITTEN chain of assignments from the lender to satisfy the Statute of Frauds.
The initials XXXX XXXX for XXXX XXXX XXXX XXXX XXXX and their principal place of business is in the city/state of XXXX, which is the most unregulated financial District in the world. XXXX has been prosecuted by the Department of Justice for money laundering of billions of dollars of XXXX drug cartel money and has also been prosecuted for establishing illegal tax havens for wealthy individuals in attempts to avoid paying their fair share of federal income taxes.
Evidently, our loan was purportedly securitized and that is consistent with the language in the first paragraph of the Promissory Note wherein it states that the Promissory Note was for the loan that I received. So, the Note that we signed pertained to loan documents ( contracts ) that had already been entered into by undisclosed 3rd parties that we have never been made aware of and that involved loan terms that have never been disclosed to us.
Therefore, it is evident that our Note is only evidence of a loan and was not the actual loan. Despite our numerous requests, it has never been disclosed to us what the terms of this loan contract were/are, who the parties were/are, or who/are the actual Lenders. This was a table funded loan and in violation of the Truth in Lending Act ( TILA ) and Regulation Z and involved parties with whom we never had any privity of contract.
The term TILA means the Truth in Lending Act, 15 U.S.C. Sections 1601-1666j, as amended. TILA, which took effect on XX/XX/XXXX, is intended to promote the informed use of consumer credit by requiring creditors to disclose credit terms and costs, requiring additional disclosures for loans secured by consumers homes and permitting consumers to rescind certain transactions that involve their principal dwelling.
The term Regulation Z means the regulation that the FRB promulgated to implement TILA, 12 C.F.R. 226, as amended. The term also includes the FRB Official Staff Commentary on Regulation Z, 12 C.F.R. 226 Supp.1, as amended.
In the course and conduct of offering and making mortgage loans, XXXX, in numerous instances, has violated and continues to violate, the requirements of TILA and Regulation Z in the following and other respects by : ( a ) failing to disclose, or accurately disclose : ( i ) the annual percentage rate, in violation of Section 129 ( a ) ( 2 ) of TILA, 15 U.S.C. section 1639 ( a ) ( 2 ), and Section 226.32 ( c ) ( 2 ) of Regulation Z, 12 C.F.R. Section 226.32 ( c ) ( 2 ) ; ( ii ) the regular payment amount, in violation of Section 129 ( a ) ( 2 ) of TILA, 15 U.S.C. Section 1639 ( a ) ( 2 ), and Section 226.32 ( c ) ( 2 ) of Regulation Z, 12 C.F.R. Section 226.32 ( c ) ( 3 ) ; ( iii ) failing to make the disclosures described above clearly and conspicuously in writing at least three business days prior to consummation of a mortgage loan transaction, in violation of Section 129 ( b ) ( 1 ) of TILA, 15 U.S.C. Section 1639 ( b ) ( 1 ) and Section 226.31 ( b ) and ( c ) ( 1 ) of Regulation Z, 12 C.F.R. Section 226.31 ( b ) and ( c ) ( 1 ).
In the course and conduct of offering and making mortgage loans and/or extending other consumer credit, XXXX, in numerous instances, has violated, and continues to violate, the requirements of TILA and Regulation Z, in the following and other respects by : ( a ) failing to make TILA disclosures in writing before consummation of a consumer credit transaction, in violation of Sections 121 ( a ) and 128 ( b ) ( 1 ) of TILA, 15 U.S.C. Sections 1631 ( a ) and 1638 ( b ) ( 1 ) and Sections 226.17 ( a ) and ( b ) and Section 226.18 ( a ) of Regulation Z ; ( b ) failing to disclose, or accurately disclose, the following information : ( i ) the identity of the creditor making the disclosures, in violation of Section 128 ( a ) ( 1 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 1 ) and Section 226.18 ( a ) of Regulation Z, C.F.R. Section 226.18 ( a ) ; ( ii ) the amount financed, in violation of Section 128 ( a ) ( 2 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 2 ) and Section 226.18 ( b ) of Regulation Z, C.F.R. Section 2
26.18 ( b ) ; ( iii ) the finance charge, in violation of Sections 106 and 128 ( a ) ( 3 ) of TILA, 15 U.S.C. Sections 1605 and 1638 ( a ) ( 3 ) and Sections 226.4 and 226.18 ( d ) of Regulation Z, C.F.R. Sections 226.4 and 226.18 ( d ) ; ( iv ) the annual percentage rate, in violation of Sections 107 and 128 ( a ) ( 4 ) of TILA, 15 U.S.C. Sections 1606 and 1638 ( a ) ( 4 ) and Sections 226.18 ( e ) and 226.22 of Regulation Z, C.F.R. Sections 226.18 ( e ) and 226.22 ; ( v ) the payment schedule, in violation of Section 128 ( a ) ( 6 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 6 ) and Section 226.18 ( g ) of Regulation Z, C.F.R. Sections 226.18 ( g ) ; ( vi ) the total of payments, in violation of Section 128 ( a ) ( 5 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 5 ) and Section 226.18 ( h ) of Regulation Z, C.F.R. Section 226.18 ( h ) ; ( vii ) whether or not a penalty may be imposed if the obligation is prepaid in full, in violation of Section 128 ( a ) ( 11 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 11 ) and Section 226.18 ( k ) ( 1 ) of Regulation Z, C.F.R. Section 226.18 ( k ) ( 1 ) ; ( viii ) any dollar percentage charge that may be imposed before maturity due to a late payment, other than a deferral or extension charge, in violation of Section 128 ( a ) ( 10 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 10 ) and Section 226.18 ( l ) of Regulation Z, C.F.R. Section 226.18 ( l ) ; and, ( ix ) the fact that the creditor has or will acquire a security in the consumers principal dwelling, in violation of Section 128 ( a ) ( 9 ) of TILA, 15 U.S.C. Section 1638 ( a ) ( 9 ) and Section 226.18 ( m ) of Regulation Z, C.F.R. Section 226.18 ( m ) ; and, ( c ) making consumer credit disclosures that do not reflect the terms of the legal obligation between the parties, in violation of Section 226.17 ( c ) ( 1 ) of Regulation Z, 12 C.F.R. Section 226.17 ( c ) ( 1 ).
By failing to disclose, or accurately disclose, material credit information, as described above, XXXX has engaged, and continues to engage, in deceptive acts or practices in violation of Section XXXX ( a ) of the FTC Act 15, 15 U.S.C. Section 45 ( a ).
In the course and conduct of offering mortgage loans and/or extending other consumer credit, XXXX in numerous instances has violated, and continues to violate, the requirements of TILA and Regulation Z in the following and other respects by : ( a ) failing to deliver the required notice of the right to rescind consumer credit transactions in which security interest are or will be retained or acquired in consumers principal dwelling, in violation of Section 125 ( a ) of TILA, 15 U.S.C. Section 1635 ( a ) and Section 226.23 ( b ) of Regulation Z, 12 C.F.R. Section 226.23 ( b ) ; ( b ) engaging in the practices described above, thereby depriving consumers of the right to rescind, in violation of Section 125 ( a ) of TILA, 15 U.S.C. Section 1635 ( a ) and Section 226.23 ( a ) of Regulation Z, 12 C.F.R. Section 226.23 ( a ) ; ( c ) by failing to disclose, or accurately disclose, material information relating to, or making misrepresentations regarding the TILA right of rescission, as described above, XXXX has engaged, and continues to engage, in deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. Section 45 ( a ).
Consumers have suffered, and will continue to suffer substantially as a result of XXXX violations of TILA and Section 5 ( a ) of the FTC Act, as set forth above.
Despite our numerous requests, it has never been shown to us who the real parties in interest are and/or the identiy ( ies ) of the true creditors in regard to our Promissory Note. Therefore, no true creditor has been brought before us who can state a cause of action, provide proof of an injury and/or direct causation that can be redressed by a Court with jurisdiction. We can not be in default when we do not know who is owed and for how much, if any.
There appears to be no evidence in any jurisdiction that the named trust exists, or was organized within any jurisdiction. We can find no evidence of an original document organizing the trust, nor that the trust document ( Pooling and Servicing Agreement ) was ever completed as a written instrument with exhibits. We can no find no evidence or even suggestion in any document that the named trust entity was utilized by anyone in any financial transaction ( one in which money exchanged hands ) or business activity. Specifically, other than self-serving and apparently self-generated documents, there has been no evidence presented to us that would corroborate a claim that the Trust ever conducted business and more specifically ever acquired the debt.
In the absence of any evidence to the contrary, including evidence of an actual financial transaction in which the loan was originally funded or purchased, none of the parties named in any of the recorded instruments, including XXXX XXXX XXXX , XXXX XXXX, As Trustee for XXXX XXXX XXXX XXXX XXXX Mortgage Backed Certificates, XXXX XXXX, is either the obligee of the debt nor a person legally empowered to collect the debt on behalf of the obligee based upon long-standing guidelines published by the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), the XXXX, and statutory law ( UCC- Uniform Commercial Code ) enacted as law in all 50 states.
The authenticity and authority of all signatures on our note are denied specifically ( see UCC 3-308 ). We are not expert document examiners. We understood that we were receiving a loan from the lender named within the four corners of the document. The substance of the transaction, however, was that the money used to fund the transaction came from the proceeds of the sale of unknown third parties.
Because the law regards substance over form, we take it to mean that we were deceived ( by fraud ) into signing a document when we were unaware, by reason of such fraud, that we were executing a document of that nature. We intended to sign up for a loan, however, the substance of the document we actually executed was quite different. Our lender was a stand in and never loaned their capital at risk of loss. The money was advanced by an undisclosed third party. While other forms of fraud make a note voidable, fraud in the factum makes a note void ab initio.
As evidence that the Trust is empty is the fact that New York Trust law prohibits a Trustee of a Trust from accepting a late assignment to the Trust because it could cause the Trust to lose all of its tax benefits and cause a great loss to the Trust beneficiaries. So did the Trust actually accept the late assignment which the PSA says is an ultra vires act? We think not.
Further, Ocwen Loan Servicing, LLC claims to be the current servicer of our purported loan. Despite numerous inquiries, Ocwen has failed/refused to provide evidence that an initial power of attorney exists wherein the alleged named Trustee, XXXX XXXX XXXX , XXXX XXXX authorized Ocwen to act and sign for the loans allegedly held in the mortgage-backed securitized trust on behalf of said mortgage-backed securitized trust, to demonstrate manifestation of the principals intent to enter into a fiduciary relationship with Ocwen where Ocwen acts on the principals behalf and subject to the principals control.
Despite our timely Notice of Rescission of the Loan in accordance with the United States Supreme Court decision of XXXX v. XXXX XXXX XXXX , XXXX, we attempted to obtain a Modification Agreement and made numerous and timely trial payments to Ocwen, who purported to be the Servicer, at the time, for XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX. Despite our full compliance with the terms of the modification agreement, and Ocwen/XXXX acceptance of our timely loan modification payments, Ocwen/XXXX has failed/refused to honor the modification agreement. Again, despite our numerous and repeated efforts to amicably resolve these issues, XXXX XXXX XXXX , XXXX XXXX has wrongfully scheduled a foreclosure sale set for XX/XX/XXXX at XXXX XXXX ( 15 CH 12854, Calendar 57 ), Circuit Court of XXXX County, Illinois.
It should be noted that XXXX has been fined billions of dollars for their egregious actions, many of which are very similar to our case, and have entered into numerous Deferred Prosecution Agreements ( DPAs ). The Justice Department, the Department of Housing and Urban Development ( HUD ) and the Consumer Financial Protection Bureau, along with 49 State Attorney Generals and the District of Columbias Attorney General, have reached a {$470.00} XXXX agreement with XXXX XXXX XXXX XXXX and its affiliates ( collectively XXXX ) to address mortgage origination, servicing and foreclosure abuses. Also, Ocwen has entered into a {$2.00} XXXX settlement with the Consumer Financial Protection Bureau to address allegations of robo-signing of foreclosure documents and other fraudulent practices while servicing loans for over XXXX struggling homeowners. In Illinois, alone, Ocwen is providing troubled borrowers with more than {$91.00} XXXX in first lien principal reductions and more that XXXX will be eligible for a direct cash payments.
In conclusion, it is evident that the many egregious and fraudulent actions that XXXX and Ocwen have been fined and prosecuted for, are also prevalent in their handling of our Mortgage and wrongful pursuance of this foreclosure action regarding our family home.
Therefore, we respectfully request that an investigation be conducted against XXXX and Ocwen pursuant to the issues raised in this Complaint as well as violations of TILA, Regulation Z, and/or Section 5 ( a ) of the FTC Act including, but not limited to, rescission or reformation of contracts, refund of monies paid, and/or disgorgement of ill-gotten gains. We also respectfully request that we be awarded such relief as this Honorable Office deems reasonable as a result of XXXX and Ocwens illegal and egregious actions and to prevent unjust enrichment.
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| 09/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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go to page 4 on XXXX to view all of the Exhibits for this Complaint.
BANK FRAUD COMPLAINT EMERGENCY MOTION TO STOP AND ARREST THE LAWYERS AND BANK FOR BANK FRAUD AND ILLEGAL EVICTION WITH NEWLY DISCOVERED EVIDENCE. AND FRAUD This is total Fraud, XXXX and XXXXXXXX XXXX is breaking all Laws to take our property because I as XXXX for Trump have been treated bad with XXXX MEGA Discrimination because of me helping Republicans from BUSH, XXXX TO TRUMP.
Newly discovered evidence and fraud, XX/XX/XXXX, we went to the XXXX County records Department because all Mortgage Notes are Required to be Recorded with Original Signatures F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) exh. A. and. We discovered that the XXXX XXXX NOTE has absolutely no signatures of the so called buyer ( XXXX XXXX ) on Note as Required by F.S. 695.26 ( 1 ) ( a ), which caused me to search the whole record to discover that All Buyers ( XXXX XXXX ) SIGNATURES and INTIALS are all Blacked Out and the blacked out signature as shown on XXXX # 1 showing XXXX County Clerk XXXX XXXX XXXX XXXX behind Clerks desk behind protective glass. Shes on video after red stamping and putting my payment receipt on the Certified so called XXXX XXXX showing Mortgage Note on Camera, video shows blacked out initials on XXXX Note. And two managers of the Clerks office saying theres no way this Note should have been put on Recorded without the Signature, XXXX and I recorded this all on docket for XXXX XXXX theres no signed Mortgage, Promissory or Prepayment Rider Recorded in XXXX County .
go to page 4 on XXXX to view all of the Exhibits for this Complaint.
pg1 go to page 4 on XXXX to view all of the Exhibits for this Complaint.
There is no lost Note count in XXXX XXXX Complaint and XXXX is not listed in the Note as Nominee or anything at all, exh. A. Which is why they did a Fake Mortgage Writ of possession attached to back. Assignment which included the Promiss
ory Note as stated on the bottom of the Assigned note from XXXX XXXX to XXXX exh. C., signed by the Vice President of XXXX ( XXXX XXXX ) the same lady who on the exact same date she signed a fake Allonge to another Bank called XXXX XXXX XXXX, illegal see exhibit CC 1-5 you cant sell a Note to two different entities especially on the same date and did not record the assignment until XXXX 1 year and 5 months after sale which makes the note void according to F.S. exh. C. Allowing an unsigned Mortgage Note to be Recorded in Florida which is a Felony, F.S. 817.2341 and 775.082, 775.083 and 775.084. And are all forgeries that can almost be seen under the blacked out ink when comparing that signature to the other signatures of the other notes with the correct signature see the Plaintiffs XXXX Recorded Note shows Note has a wrong forged signature that you can see under the blacked out signature, exh. A.
This is the Correct XXXX XXXX real signature from the other note from real Recorded Note of XXXX XXXX other property. From a real Closings, see pgs. 16 and 20 of, exh. B1 and B2. And XXXX XXXX XXXX was sued by XXXX XXXX XXXX XXXX Because of money given but no Note, exh. F1, F2, F3,. And no valid Warranty Deed because XXXX XXXX was not there and did not sign the Warranty Deed, exh. G. One of the owners of the home XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was not at the closing, see affidavit exb. H. and XXXX XXXX did not sign anything as it APPEARED on the fake Warrenty Deed, exh.G. See XXXX XXXX real signature on drivers license, exh. H2. Someone illegally signed for XXXX XXXX. See Affidavit from XXXX XXXX another owner saying that he ( XXXX ) was their at the Angry wiped out non closing and witnessed that XXXX XXXX, XXXX XXXX, XXXX XXXX nor did XXXX XXXX show up to the closing and the Warranty Deed was not signed, see exh. L. Affidavit from XXXX XXXX stateing that he was not at the closing so there was no Legal Warranty filed on the Record! So payments continued to Bank, exh. S1, S2, S3. and then XXXX XXXX XXXX XXXX. XXXX XXXX. wrote and said make all payments to XXXX XXXX XXXX, exh. T. And Payments were made on time even six months after XXXX XXXX Foreclosure was started XX/XX/XXXX, exh. M. See receipts showing payments XX/XX/XXXX to XX/XX/XXXX 4 months after XXXX XXXX foreclosure started exh. K1, K2, K3, K4. And unknown Bank. XXXX XXXX Lis Pendance date filed with no Due Process Notice to us, see page 11 of XXXX Docket exh. O. This filed while Payments were still being made and on TIME, exh. 5. And notice the Note blacked out the Loan Number so that you could not check it, exh. A.
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
go to page 4 on XXXX to view all of the Exhibits for this Complaint.
pg2 go to page 4 on XXXX to view all of the Exhibits for this Complaint.
THERE IS ABSOLUTELY NO XXXX NOTE AT ALL A. ) Because XXXX XXXX did not go to the Closing and did not sign the Notes to XXXX BANK, so then the Note was never Assigned to MERS, exh.C.
2 B. ) Assignment must be recorded within 30 days F.S. 494.0075 3. ( 3 ) our Assignment WAS RECORDED 1 YEAR AND 5 MONTHS AFTER THE SALE/CLOSING, The Assignment conveyed, sold and signed XX/XX/XXXX Recorded XX/XX/XXXX, exh. C.
C. ) Because MERS never got a Legal Assignment from XXXX XXXX because there was no XXXX XXXX Mortgage Note that existed. So XXXX did not Assign the Mortgage Note to XXXX XXXX. Which shows that this EVICTION is ILLEGAL THEFT OF THIS PROPERTY, we actually have no rights to own property. heres more proof.
D. ) If Mortgage Note is not recorded by 1 year the Mortgage Note is void. This Note was never signed and never Recorded with XXXX XXXX signature from XX/XX/XXXX until today so Mortgage Note is void. And in violation of F.S. 695.01. and see : Exh. A.
E. ) The Mortgage Note has a space in the right corner of Mortgage Note for the preparer of the Note where the name and post-office address of the natural person who prepared the instrument or under whose supervision it was prepared are legibly printed, typewritten, or stamped upon such instrument ; this Note is void. And in violation of F.S. 695.26 ( 1 ) ( b ).
F. ) And then the Note was Conveyed illegally by XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) with no thirty day or any notice As required by Florida which renders Note unenforceable and void. F.S. 701.02 ( 1 ) ( 2 ) ( 3 ). Notice requirement - The borrower must be giving 15-30 days notice before note is sold or assigned to another entity. ( RESPA Law 12 U.S. CODE 2605 ) the Mortgage Note signed XX/XX/XXXX and the Assignment was on the same day of Sale without required Notice also in the original fraudulent mortgage note PAGE 11 number 20 states that the sale of note or change of services the borrow must be given notice according to RESPA law which is 15 to 30 days. But the fraudulent Assignment was signed XXXX.
XXXX XXXX, exh. C. the same day as the fraudulent closing, written on the front page of the Mortgage Note, exh. A. which makes this Assignment void.F.S. 701.02 ( 1 ) ( 2 ) ( 3 ).
G. ) Assignments must be recorded with in 30 days according to Florida STATUTE 494.0075. 3 ( 2 ) ( 3 ). This Assignment was recorded two years after sale was illegally signed, exh. C. this Assignment is totally void.
H. ) If Assignment is not recorded by 1 year the Assignment is void according to Florida Statute 695.01. The Assignment was signed and notarized XXXX XXXX XXXX but was recorded XX/XX/XXXX, one year and 5 months later. Exh. C.
I. ) ( Mclean v. JPMorgan ) says you cant foreclose before you own the Note!
The Assignment from XXXX to XXXX XXXX is Void because assignment was made after foreclosure started XX/XX/XXXX, exh. M. and the XXXX Assignment to XXXX XXXX was XX/XX/XXXX, exh. N. and ( Mclean v. JPMorgan ).
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
ILLEGAL FAKE NOTARY PUBLIC VOIDS OWNERSHIP ON MORTGAGE NOTE go to page 4 on XXXX to view all of the Exhibits for this Complaint.
pg3 go to page 4 on XXXX to view all of the Exhibits for this Complaint.
The Notary on the Mortgage Note is a VOID. The Notary stamp must contain commission or ID number, to identify the person if needed to varify or in court, ( Our Mortgage Note for XXXX address has no commission or ID number thats at all Legible to hide their thievery see page 15 of the MORTGAGE Note of Record. in violation of F.S. 117.05 ( 3 ) ( A ) and F.S. 695.26 ( 1 ).
This Mortgage Note does not have proof of identity of signer as required in violation of F.S. 117.05 # ( 5 ) and ( 5 ) ( a ) see exh. C. page 2. at middle of the paper.
The Notaries name must be printed under their signature, on XXXX Mortgage Note there is no printed name under the Notary Public signature in violation of the fake Assignment to XXXX. Is void of see exh. C. Page 2. F.S. 695.26 ( 1 ) ( D ) ( E ).
New Jersey notary stamp rules is the same as Florida rules, the New Jersey notary of XXXX looks totally different from the Fraudulent one on our Mortgage note, exh. P. and C. The State of New Jersey Notary stamp on our mortgage assignment is a COMEPLETLY MADE UP FRAUD! Exh. C. page 2. and is a punishable felony, s.775.082 775.083 or S.715.84.
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
ILLEGAL FAKE NOTARY PUBLIC VOIDS OWNERSHIP ON MORTGAGE ASSIGNMENT Must have at least one witness. There is no with witness on our Mortgage Assignment in violation of, F.S. 117.05 ( b ) 1.a.b.c.d.e. see exh. C. page 2. the Assignment is void.
The Notary on the Assignment is a fake. The Notary stamp must contain commission or ID number, to identify the person if needed to verify or in court, ( Our Mortgage Note for XXXX address has no commission or ID number to hide their thievery in violation of F.S. 117.05 ( 3 ) ( A ) and F.S. 695.26 ( 1 ). see exh. C. PAGE 2.
The name of each person who executed such instrument is legibly printed, type written, or stamped upon such instrument immediately beneath the signature of such person and the post-office address of each such person is legibly printed, typewritten, or stamped upon such instrument in violation of F.S. 695.01 ( 1 ) AND F.S. 695.26 ( 1 ) ( a ) and F.S. 494. 0075 ( 5 ) and F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) exh. A.
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
go to page 4 on XXXX to view all of the Exhibits for this Complaint.
pg4 go to page 4 on XXXX to view all of the Exhibits for this Complaint.
NEVER BEHIND ON PAYMENTS We were making payments to XXXX XXXX see : exh. S1 - S3, what was the XXXX XXXX Mortgage Note because the buyer XXXX XXXX from seller XXXX XXXX closing did not happen and then XXXX XXXX Transferred the Note to XXXX XXXX XXXX, exh. J. We made payments to XXXX XXXX XXXX exh. K1 - K5. We were making those payments far after XXXX XXXX filed the no Due Process of Services Notice Foreclosure h up until they got the Default Judgement against us we paid XXXX, exh. S1 - S3 then the new bank XXXX XXXX some how stop taking our on time Payments And refused to take payments from us after they secretly got a j. And now this new Bank who have harassed us, helped sink my boat in my back yard, XXXX # 10 A. and broke into my house and stole from us, see police report exh. Y. And now this Fraudulent XXXX XXXX is now Evicting us from the house exh. G. with the help of the Clerk of the Courts. See video of Clerks have allowed unsigned Notes like ours to be illegally recorded and then banks foreclose on u with no Note even if you are paying on time with the help of the judge who without seeing the Note that is Completely FRAUDULENT Blacked out signatures from the XXXX County Records Dept. WOW XXXX at the top of the web site # AA. and AB.. They must be stopped!!!! this EVICTION IS ILLEGAL AND I JUST REPORTED TO THE FTC TO PRESIDENT TRUMPS NEW BANK FRAUD TASK FORCE!!!
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
HISTORY OF THIS FRAUD AND HOW THEY DID IT!
The property was quit claimed by owner XXXX XXXX over to XXXX XXXX, XXXX XXXX and to himself ( XXXX XXXX ) XX/XX/XXXX, exh. D1. We had a lease with an option to buy for XXXX a month, exh. E. All. before XXXX XXXX Fraudulently Recorded an unsigned blacked out Mortgage Note exh. A. And before the so called sale to XXXX XXXX, and XXXX XXXX, XXXX XXXX and XXXX XXXX quit claimed it over to XXXX XXXX and XXXX XXXX XX/XX/XXXX, exh. D2. Then XXXX XXXX quit claimed it solely to XXXX XXXX XX/XX/XXXX, exh.
D3. .XXXX XXXX then Quit claimed it back to himself, XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, exh.D4. And XXXX XXXX, XXXX XXXX and XXXX XXXX quit claimed it to XXXX XXXX, exh. D5. lastly XXXX XXXX quit it to XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX, .exh. D6.
There was supposed to be a Sale Closing on the house but XXXX XXXX did not show up and XXXX XXXX did not show up because he quit Claimed the property before the so called closing date and could not be found. After arguing. XXXX XXXX and XXXX XXXX did not sign the Notes and the closing Docs, but somehow the title company or some one kept the money. The Proof of this is Attorney Title Insurance Fund ( ATIF ) sued XXXX XXXX XXXX XXXX who was supposed to do the closing on the house. ATIF Accused them of keeping the money from the closing that did not happen with XXXX XXXX, exh FI `- F6. WHICH WAS SOMEHOW RESOLVED between XXXX XXXX and Title Insurance Company, see exh. F1. & F2. On the same day of XXXX XXXX, XXXX, and a letter had came to tell us that they would not be accepting payments from us to our former bank and that it would be going to XXXX XXXX XXXX and we were making the payments to XXXX XXXX and then three months later XXXX XXXX filed a foreclosure against us that we didnt know they had filed which is no Due Process and then suddenly XXXX XXXX sent a payment money back to us and then told us that they would not be accepting payments from us anymore because they were foreclosing on us but we were paying XXXX and XXXX XXXX XXXX and we replied to them to prove their dept. exh. Z. We had no idea who XXXX XXXX was and that they were foreclosing on us, we found out Deutsche bank was assigned the note by MERS exh. H. and without Noticing the buyer as required by RESPA 12 U.S. CODE 2605 and According to F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) and also in the original fraudulent mortgage note PAGE 11 number 20 which states that the sale of the note or change of servicer the borrow must be given notice according to RESPA law 15 to 30 days Florida Statute XXXX got the Note from XXXX XXXX but XXXX never had a closing with XXXX XXXX. Notice requirement - The borrower must be giving 15-30 days notice before note is sold or assigned to another entity. ( RESPA Law 12 U.S. CODE 2605 ), F.S 701.02 ( 1 ) and also in the original fraudulent mortgage note PAGE 11 number 20 states that the sale of note or change of services the borrow must be given notice according to RESPA law which is 15 to 30 days. But the fraudulent Assignment was signed XXXX XXXX XXXX, exh. C. the same day as the fraudulent closing, written on the front page of the Mortgage Assignment, exh. C. which makes this Assignment void.
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
go to page 4 on XXXX to view all of the Exhibits for this Complaint.
pg5 THIS MORTGAGE NOTE IS FRAUD Fraud because in # 20 OF The mortgage Note it says in accordance with RESPA Disclosure after settlement law they must give buyer 15 days before selling the Note. But their saying they sold assigned Note the same day as settlement which voids out Assignment F.S. 701.02 ( 1 ) ( 2 ) ( 3 ) .THE MORTGAGE NOTE HAS NO SIGNATURES WHICH IS ALSO CLERK FRAUD. F.S. 701.04 YOU MUST RECORD ASSIGNMENT WITH 60 DAYS, our Assignment was signed XXXX XXXX, XXXX but recorded XX/XX/XXXX = Void their is no address or Legal description on the Note.
SO law enforcers MUST stop ILLEGAL EVICTION AND arrest the theives!
Law Enforcement must immediately take jurisdiction of this matter and enter and arrest them! And cancel the foreclosure Eviction and stop the ILLEGAL EVICTION and SET ASIDE TITLE!
Respectfully submitted this XXXX day of XXXX, XXXX go to page 4 on XXXX to view all of the Exhibits for this Complaint.
pg6
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| 07/20/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been trying for years to get a modification on my mortgage. Ocwen approved it for about XXXX and my income is only XXXX. This was ridiculous and XXXX. I tried again they told me I didn't make enough money and denied the modification. I decided to sell the house thru a short sale. I got a few offers and sent the best one in. I've never heard from any one at Owen accept for a letter in reference to that offer and nothing so they were taking sooo the buyers walked and another offer was sent. I called for several days and got nowhere. Someone finally answered and told me that they will get in touch with the person assigned to the account. The same day XXXX XXXX emailed stating he was waiting on my realtor to reply about the first offer. He was advised they walked and there is another offer. I asked what was needed so that I could make sure my realtor sent the info to him asap. I emailed to let him know my realtor was out of town returning the following week and I will make sure he get the missing information to move the process along. He was advised the current buyers are waiting for an approval. All this happened on XX/XX/XXXX. So then I receivef a letter stating that I canceled the short sale. I ABSOLUTELY DID NOT CANEL THE SHORT SALE. I DID NOT SPEAK WITH ANYONE OR SEND IT IN WRITING THAT I DIDN'T WANT TO CONTINUE WITH THE SHORT SALE.. THESE PEOPLE ARE LIARS. I WANT A COPY OF THE PHONE CALLS WHERE I HAD A CONVERSATION SAYING THAT..I WANT A COPY OF WRITTEN REQUEST STATING THAT. They have reported my house was in foreclosure when it wasn't. I've requested documentation for the denial of the modification. I have requested several times to speak with someone whose 1st language is English and was refused EVERY SINGLE TIME. I'M looking for results and to date I have been given the run around. Please help me. I am not you to stop this time and if I have to get an attorney I will. I tired of the abuse from their reprentatives and XXXX XXXX and XXXX. And this is just the minimum of what has happened. Below is a copy of the email with the agent. I also called him with no response before I sent this complaint. I DON'T KNOW WHAT TO DO. I HAVE PUT 1000 PERCENT IN THIS MATTER.
****************************************
Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.
I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.
Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.
Thanks
XXXX XXXX. XXXX | Loss Mitigation, Negotiator
Ocwen Loan Servicing, LLC
XXXX XXXX XXXX XXXX XXXX | XXXX, Texas XXXX
P: XXXX XXXX | F: XXXX XXXX
Email: XXXX | XXXX
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This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this
has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now.
Please help XXXX.
Hide quoted text
On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote:
Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.
I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.
Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.
Thanks
XXXX XXXX. XXXX | Loss Mitigation, Negotiator
Ocwen Loan Servicing, LLC
XXXX XXXX. XXXX XXXX XXXX | XXXX, Texas XXXX
P: XXXX XXXX | F: XXXX XXXX
Email: XXXX | XXXX
********************************************************************************************
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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Ok I will make sure you get the info. She is on vacation until Monday but I will email her right now and text her. As far as the HOA, they responded back and they are waiting on the approval from you all. I'm just hoping the buyers don't walk again. Thank you. I will follow up with you on Tuesday to make sure everything is received.
Thank you for getting back with me. I appreciate it.
Hide quoted text
XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote:
Hello- I have emailed your realtor for the docs that we need at this time. We need
Proof of funds from the buyer
HUD
License from both buyers and sellers agents.
In regards to the HOA , there is nothing we can do about that at this time.
XXXX
From: XXXX XXXXl [XXXX]
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX
Subject: Re: XXXX XXXX
OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this
has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now.
Please help XXXX.
On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote:
Hello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.
I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.
Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.
Thanks
XXXX XXXX. XXXX | Loss Mitigation, Negotiator Ocwen Loan Servicing, LLC
XXXX XXXX XXXX XXXX XXXX | XXXX, Texas XXXX
P: XXXX XXXX | F: XXXX XXXX
Email: XXXX | XXXX
********************************************************************************************
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
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Hi XXXX did you ever receive the missing information?
Show quoted text
Hello XXXX,
I am confused about a letter I received about the short sale denial. Why would y'all say that I withdrew the application as I have never had a conversation with ANYONE ABOUT WITHDRAWING YOU ALL ARE LYING ABOUT ME. I AM WAITING ON AN APPROVAL FOR THE OFFER THAT WAS SUBMITTED. I WOULD LIKE A REDPONSE about the offer. I never never never withdrew the short sale.
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On XX/XX/XXXX XXXX XXXX, "XXXX XXXX" wrote:
Hi XXXX did you ever receive the missing information?
On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote:
Ok thanks
XXXX
From: XXXX XXXX [XXXX]
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX
Subject: RE: XXXX XXXX
Ok I will make sure you get the info. She is on vacation until Monday but I will email her right now and text her. As far as the HOA, they responded back and they are waiting on the approval from you all. I'm just hoping the buyers don't walk again. Thank you. I will follow up with you on Tuesday to make sure everything is received.
Thank you for getting back with me. I appreciate it.
On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote:
Hello- I have emailed your realtor for the docs that we need at this time. We need
Proof of funds from the buyer
HUD
License from both buyers and sellers agents.
In regards to the HOA , there is nothing we can do about that at this time.
XXXX
From: XXXX XXXX [XXXX]
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX, XXXX XXXX
Subject: Re: XXXX XXXX
OMG yes XXXX, I don't know why she didn't respond to you for something simple as that. Please review the the last offer sent you all because this
has been a nightmare. I want to sell the property. How can we get this moving forward without interruption? Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru. I thought we would have closed and they would been paid by now.
Please help XXXX.
On XX/XX/XXXX XXXX XXXX, "XXXX, XXXX XXXX" wrote:
Hello= I am the agent working the short sale on this file. I have been communicating through equator with your agent.
I have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.
Your agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.
Thanks
XXXX XXXX. XXXX | Loss Mitigation, Negotiator
Ocwen Loan Servicing, LLC
XXXX XXXX. XXXX XXXX XXXX | XXXX, Texas XXXX
P: XXXX XXXX | F: XXXX XXXX
Email: XXXX | XXXX
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| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear PHH and respected PHH attorneys ( Former and current ) This is one more try to settle ongoing litigation with you.
Please provide answer to below email sent to you on XXXX XXXX and email sent to XXXX XXXX. PHH and their attorneys failed to respond above mentioned emails and other emails.
Kindly honor your settlement offer to avoid claims ; 1 : Mishandling the loan-modification and loan 2 : detrimental reliance lawsuit 4 : failed to record foreclosure deed 5 : unfair settlement practices 6 : Damages caused to the property and tenants .faulty work performed by the PHH unlicensed contractor which made the situation more worse and dangerous.
XXXX : ETC ETC ETC.
XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX AM ( 10 days ago ) to XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX, Good Morning Thank you for your email.
The lender conducting the foreclosure is also the high bidder at the auction and when an auction is unsuccessful, lenders retain ownership of the property ( XXXX ). This legal statement was confirmed by the former PHH attorney in an email stating that XXXX was the highest bidder at the auction and failed to perform. The next highest bidder was the bank On a conference call meeting between ( PHH former attorney, XXXX attorneys and member of ARC ). We asked a former PHH attorney who holds the title of the property?
She said that " A sale by auction is complete when the auctioneer announces by the fall of the hammer. '' and technically it transferred the title to the lender '' On XX/XX/XXXX XXXX PHH sent us a letter stating, the property reverted to our Real Estate Owned ( XXXX ) Department. and PHH 's former attorney sent an email on XXXX XXXX, stated PHH declines rescind the foreclosure.
The auction of XXXX XXXX XXXX ( the XXXX ) took place on XX/XX/XXXX. Based upon actions by PHH, its representatives and lawyers ( collectively PHH ) and statements made to a number of individuals and official entities subsequent to the auction, acknowledging ownership of the Property by PHH, including certain demands made to the prior owner, that because of PHHs ownership, the former owner had no right to enter the property, whether to make repairs or otherwise, we believe that PHH presently is the owner of the Property and is responsible for all claims and liabilities associated with the Property and by its residents subsequent to the auction.
On XXXX XXXX we received a letter from the PHH stating we have reviewed the account and confirm that the foreclosure sale is valid and can not be rescinded. '' On XXXX XXXX, PHH sent us another letter stating A letter dated XX/XX/XXXX was inadvertently sent to the mailing address on file ; this letter was sent due to an agreement between Ocwen and the Massachusetts Attorney Generals Office, under which Ocwen agreed to offer certain consumers whose account was billed for one or more property preservation ( e.g., inspection, title, landscaping ) fees between XX/XX/XXXX and XX/XX/XXXX an opportunity to apply for all available loan modification programs. The agreement did not include loans that had already had a completed foreclosure ; therefore we were unable to review your request for a modification. We strive to provide each customer with the utmost in customer care and professionalism and apologize for any inconvenience or miscommunication due to the receipt of the letter Following the receipt of your correspondence, we have reviewed the account and confirm that the foreclosure sale is valid and can not be rescinded.
PHH sent a letter to the Consumer Financial Protection Bureau ( CFPB ) and confirmed the statement below ; The account was referred to foreclosure counsel on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX, through XX/XX/XXXX payments. As the payments were not received on the account and as a mutual resolution and/or plan to cure the delinquency on the loan was not achieved, the foreclosure sale was completed on XX/XX/XXXX. Following the completion of the foreclosure sale, the property reverted to our Real Estate Owned ( XXXX ) Department.
In XX/XX/XXXX, an IRS Form XXXX, entitled Acquisition or Abandonment of Secured Property, attached hereto as attachment was filed by XXXX XXXX , presumably prepared by PHH.
On XX/XX/XXXX PHH former attorney stated The tenants attorney, XXXX XXXX, provided the attached XXXX letter with a list of their property conditions complaints, this is the only document I have now on the issues, and Attorney XXXX has refrained from filing any litigation thus far. PHH did fix the heat last week, but they have agreed that if you can take on the property conditions with an indemnification, they would review for a sale On XX/XX/XXXX XXXX PHH former attorney said I am following up on the below. As we have not heard further from you on this matter, my client is undertaking repairs for a rodent infestation and electrical issues in the property. Please advise asap on undertaking an indemnification for any sale of the property. If my client spends too much completely repairs, there will be no incentive to sell the property for less than market value '' On XX/XX/XXXX, we received an email that Our office represents the mortgagee. Please do not access the property or perform repairs without authorization. We have been in contact with the city regarding its concerns We relied upon the statements made by PHH, its representatives and lawyers ( collectively PHH ) and suffered a detriment as a result of reliance. we will pursue with a detrimental reliance lawsuit.
When PHH took the ownership of the property, tenants attorney sent a demand letter to the PHH as owner of the property, in response of this PHH paid water bill and undertook certain repairs demanded by the occupants which lately buildings tenants, claimed that the workmen were either unlicensed or did not obtain proper permits to do the work and that the work they did created additional dangerous conditions in the building, which they outlined in detail, and former PHH attorney had voice messages of deceased tenant, she blamed PHH contractor for a faulty repair which made situation of apartment worst. Since the residents complaints about the work performed by PHH i
n the building that caused such dangerous conditions and tenant in Unit 2 has died, the grandson of the tenant in Unit 2, who lived with her, has been hospitalized and the Unit 3 occupant has also been hospitalized.
An electrician PHH sent to the tenants apartment, made a gaping hole in the wall of the tenants apartment ( the tenant took pictures and texted us ) that would allow a flood of rodents back into the tenants apartment and then left without repairing the wall. Attached tenant text with picture and tenant voicemail sent to you in the last email. Later the city of XXXX board of health sent an email. XXXX was contacted the student who lives in the unit that the student had not been to school and the reason was for stomach illness due to the rat infestation. This infestation was verified yesterday '' We sent an email to the former PHXXXX attorny on XX/XX/XXXX stating that how the tenant was suffering with bullets through the tenants windows on multiple occasions, rodents in her apartment with her constantly sweeping up droppings, a fire due to an electrical system failure, entry doors repeatedly broken, so that anyone could gain access, ongoing XXXX XXXXXXXX, other illegal drugs and needles littering the basement, and a profound effect on the tenants XXXX grandchild who lives with the tenant. Without question, this is all PHHs problem and if something untoward happens at this building, there is no question that PHH will suffer greatly because of its failure to address these issues.
We believe that PHH presently is the owner of the Property and is responsible for all claims and liabilities associated with the Property and by its residents subsequent to the auction.
We also wish to remind you that we repeatedly told PHH prior to the auction that it had failed to consider our legal request for a modification agreement,, as required by law, and under PHH agreement with the MA XXXX office and in accordance with law. We have been advised that our claim has merit, and we will be pursuing our rights with respect thereto unless we are able to resolve this amicably.
Next, I respectfully disagree with your reply regarding the settlement process. I understand you are newly assigned to this case, and you might have missed the conversation I had with the Attorney XXXX XXXX on XXXX XXXX when he presented a new offer from the PHH in the amount of {$110000.00}.
On XX/XX/XXXX XXXX attorney XXXX XXXX XXXX a voicemail on my number XXXX at XXXX AM. Attached Attorney XXXX voicemail for your review.
Same day at XXXX PM I returned his call and left a voicemail to his number from my number XXXX ( see Attached call history ) and Same day attorney XXXX XXXX called me back on my number XXXX at XXXX PM, we had XXXX minutes settlement conversation. ( See attached call log record ).
Attorney XXXX XXXX presented {$110000.00} on behalf of the PHH at XXXX PM on XXXX XXXX. At the end of the call, he said that contact us whenever you increase your offer or accept the PHH offer in the amount of {$110000.00}.. Thus, email sent on XXXX XXXX was the counteroffer against {$110000.00} settlement, presented by the XXXX XXXX on behalf of the PHH on XX/XX/XXXX XXXX.
Even if you read XXXX XXXX reply he said ; The offer we recently made was the lowest our client was able to make. However, the date by which you would have been required to make the payment has passed, so we presently have no authority to offer a discounted payoff. If you are willing to pay the {$110000.00}, though, we can discuss with our client. Thank.
Why he said if you willing to pay {$110000.00} against our offer {$72000.00}? Because {$110000.00} is the lowest offer PHH offered us to settle.
Did he say that he never presented a {$110000.00} offer?
I would highly recommend that you contact attorney XXXX XXXX for the confirmation of the offer he presented on XXXX XXXX in the amount of {$110000.00}.
I state again settlement offer in the amount of {$110000.00} was presented to us by the PHH on XXXX XXXX after the deadline of previously settlement offer of {$120000.00} .PHH should honor its own settlement offer and I am hopeful that your client is ready to resolve this matter as well by honoring a settlement offer proposed by the PHH in the amount of {$110000.00} which PHH presented to us on XX/XX/XXXX XXXX and we already have accepted this offer.
We relied upon on new offer given to us on XXXX XXXX in the amount of {$110000.00} and we gave our counter offers on XXXX XXXX and XXXX XXXX against PHH new settlement offer in the amount of {$110000.00} and then accepted the PHH offer in the amount of {$110000.00} on XXXX XXXX.
We are not a large rich and powerful organization like your client but composed of dedicated volunteer professional members from a diverse background to support the noble cause. We are not Liar. Yes, we are committed to turning this Property into a home for refugees and to make it a part of the healthy fabric of our community. We are prepared to finance a renovation of the building so as to eliminate the physical problems with the building and satisfy the occupants.
Again, thank you for your assistance and professionalism and I look forward to hearing from you soon.
And previous email : We put a temporary hold on our complaint at MA XXXX XXXX when a former PHH attorney informed MA XXXX XXXX about PHH intentions to sell the property to us at a discounted amount as post foreclosure. Attached is an email from a former PHH attorney, sent to us on XX/XX/XXXX, regarding PHH intentions to sell the property. We have numerous evidence that PHH had been acted as an owner of the property after the auction, some of evidence shared with XXXX XXXX on XXXX XXXX. ( PHH failed to reply to an email sent on XXXX XXXX ).
On XX/XX/XXXX. ( Attached XX/XX/XXXX email ) PHH retained your firm and your firm offered us discounted pay off to settle the matter instead of post foreclosure sale, after negotiation we accepted PHH {$110000.00} pay off offer to settle our claims with the PHH. Below is the timeline of negotiation.
On XX/XX/XXXX, XXXX XXXX called and offered a discounted payoff of {$150000.00} as settlement. Attached XX/XX/XXXX communication and XXXX voicemails attached to that conversation.
On XXXX XXXX. We responded to the settlement offer ( Attached XX/XX/XXXX communication. ) On XXXX XXXX, XXXX XXXX replied " PHH respectfully rejects your most recent counter-offer. It is instead willing to accept {$120000.00} in satisfaction of the loan. This constitutes a discount of more than {$190000.00} off the loans balance and reflects the understanding that the property will require repairs " ( Attached XX/XX/XXXX email ) on XXXX XXXX. We responded to XXXX XXXX at XXXX am, however XXXX XXXX did not reply to that email and called me to offer {$110000.00}. ( Attached XXXX XXXX email ). We still are looking for a reply from the PHH of this email. He also advised us to contact him when we increase our counteroffer. He never mentioned that negotiation failed or expired or any deadline. He informed us that PHH 's lowest offer is {$110000.00} for a settlement and suggested we contact him when we accept {$110000.00} .He never mentioned the next step and/or deadline of the settlement. ( Please retrieve the call from your record ).
On XXXX XXXX. We contacted XXXX XXXX ( Attached XX/XX/XXXX, email ) On XX/XX/XXXX XXXX. We sent our revised offer against {$110000.00} ( Attached XXXX XX/XX/XXXX email ) On XXXX XXXX. We accepted a PHH offer of {$110000.00} ( Attached XX/XX/XXXX email ).
We believe that the building has to be rehabilitated immediately before any further damages to the building or occupants. We are prepared to undertake this rehabilitation project immediately. Prior to the auction and prior to the pandemic, we requested an estimate from a contractor. The estimate to rehabilitate the property as of the auction date was {$280000.00}. I expect that because of XXXX and recent structural damages to the property, these costs have probably increased by at least 40 %. Which makes repair cost to approximately {$410000.00}. Electric/City fines were approximately {$30000.00}.
COSTS WITH RESPECT TO THE TENANTS CLAIMS.
{$250000.00} at a minimum to an unknown sum depending on the extent of injuries suffered by tenants due to the conditions at the property.Units 1and 2 tenants and their relatives still have possession of the units and keep coming in out all the time. Eviction case is still pending in the housing court. We have spoken to a tenant recently who is now talking about far greater damage awards and is talking about finding a new attorney to take the case. If this tenant is able to find another attorney who represents tenants in these situations involving lead, mold, contaminated needles, rodents and other issues, we both know what could happen. Now there are other tenants who will want just as much as the first tenant gets in damages.
Tenants/their heirs are approaching us directly with settlement offers. Their demands have been increased since PHH has been involved and communicating with them somehow. We also learned that tenants are involving new attorneys as one of the former attorneys received a huge amount of money from one of party involved in the property as settlement but failed to disclose the amount to the tenants. Attached attorney dismissal motion filed by one of the tenants and motion from the party involved for your information
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| 06/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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Ocwen ignore intentionally their clients so those people property can be looted as is my case This is done because I do not have any mortgage or financial obligation conform by those looters and their lawyers that defraud my property. As mention in each of my letters since the FRAUD was confirmed in writing the sale of this mortgage to Ocwen is null and void. XXXX XXXX XXXX must take back this mortgage clean it up and after all illegal charges are removed from this account only than XXXX XXXX XXXX can sell this mortgage or settle it with my family. Any other action will only create series legal consequences for a bank that abuse the legal and the banking system when defrauded family as is the case with me.
I would like to REPET that Ocwen defrauded my family and sold a mortgage to another institution knowingly that FRAUDE was involved making this transaction ILLEGAL.
I continue to receive many letters from you Institution that IGNORE the dispute pointed out many times and in return you send me very confusing info not related to my case. With each letter there is another amount outstanding and this must stop.
With each letter the monthly payment is seriously inflated and reflect taxes and insurance for one year to be paid each month so in one year you ask me to pay taxes and insurance for 12 years!!! Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion. It is not clear yet if your Institution is interested in finding a solution or is ignoring all together all our points. I mention very clear that first we must solve the abuses done by XXXX and then we can discuss the Modification or HARP. Otherwise through your action you are asking me to accept all abuses and massive overcharges and this will never be done. Regarding XXXX I confirm that regardless of the final resolution we are bringing this bank to Court. As per my husband conversation with one your Rep below you will get explanation for the abuses. A copy of this Doc will be sent to office of Pennsylvania Banking Department for the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first so they are going to be involved in the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first. Also I am determined to save my house even if we go to any Court. It is very clear that with each new letters received from you all facts are more confusing than necessary. Your our institution explain the situation point by point in the XX/XX/XXXX letter but this was only a theoretical presentation, that do not solve the abuse and fraud done by XXXX. Please no longer use such letter as a response since this is NOT THE CASE. I made it very clear that XXXX XXXX XXXX defrauded my family as well as your bank. Your Bank ignored completely all my correspondence, WHY?? I prefer to have a face to face meeting with you and present you documents and you will see how this XXXX defraud people. How your Institution is helping me when in your last invoice for example the interest is {$30000.00} and this is very much overstated. The abuse is very clear since XXXX tried to overcharge me in one year a total amount for taxes and Insurance equivalent to 12 year. So for the rest of the mortgage your bank wants now to charge me a total of 269 years of taxes and insurance!!! Translate in dollars your Institution now if I make the payment will charge me the equivalent of 400 % the cost of the Mortgage Note and this is like paying for 4 houses at the same time. This is exact what your Institution inherited from XXXX and tried to overcharge me NOW. WHY?? You address this issue in your XX/XX/XXXX letter????? / This is abuse and fraud not theory mention in your letter.
It is very clear now that either your Department did not read any of my correspondence or simply ignore them since. Ocwen must take seriously in consideration that SINCE THERE IS FRAUD INVOLVED I ASKED YOU NOT ALLOW ANY FORCLUSURE TO GO ON AS I AM DETERMINED TO SAVE MY HOUSE BUT NOT THE FRAUD OF XXXX/XXXX XXXX XXXX. SEC will get involved too.
I have all documents proving 100 % the fraud of XXXX so I ask Ocwen and your Institution to stop the Foreclosure as there will be problems for your institution too.
I prefer to SETTEL the account so we can close this very ugly chapter ASAP.
First I will repeat a few facts and all is based on clear evidence that are even in the Court NOW.
For the last 2 years in the Escrow account at XXXX there was a surplus of over {$5300.00}. To understand the issue I kindly ask you to take the R.E. TAX and the insurance invoice. You will see that the total is around {$3800.00}. You divide it by 12 and you will get the monthly payments for escrow. Once you gert5 this number compere with the charges XXXX tried to overcharge my family and you will see how this bank is defrauding people. Once you understand it you will understand my problems. My husband is preparing a legal case against XXXX and IS SURTE HE WILL WIN IT. Even SEC confirm it as well as his law firm. I am determined to save my house and expose the abuses of XXXX and the lie of their incompetent legal firm XXXX from NJ that lie in the Court and soon they will have massive problems. Soon you will get the new Court Doc against XXXX and XXXX and you will see how this abusive bank defraud families. To understand XXXX abuse done intentionally in order to defraud my family we must have a clear open conversation presenting FACTS not XXXX/XXXX XXXX Bank fantasy in their creative accounting. We must solve this dispute first since XXXX XXXX XXXX/XXXX abuse not only my family but your bank too. I WILL REPET AGAIN MY CONCERNS : On your INVOICE dated XX/XX/XXXX indication that the following amounts are outstanding so far. Principal Balance is {$180000.00} ; Escrow balance {$17000.00} plus Past due {$78000.00}. So if we add all this the outstanding balance is {$270000.00}!!!!!! In this amount you have more than 500 % overcharge. Please be aware that XXXX XXXX XXXX/XXXX XXXX provide me with an escrow account and there was a large SURPLUS that your bank transformed it incorrectly into a charge WHY?? How it is possible from a large surplus you want to charge me instead? If you need this doc I have it. Your monthly interest is only {$470.00}!! If you divide the past due balance then you have 163 months UNPIAD!!!!!!! OR ALLMOST 14 YEARS UNPAID MORTGAGE. This is FALSE and if we ca have a clear open conversation we can clarify all those lies and abuses done intentionally by XXXX in order to DEFRAUD my family and your institution. My mortgage was with XXXX since year XX/XX/XXXX not since year XX/XX/XXXX!!! This is completely false and INACURATE. On day one when you ask my family to confirm the outstanding balance I confirmed then that all info presented are FALSE and inaccurate but your institution totally ignore it. You took the information from the XXXX XXXX XXXX from NJ that LIE in the Court proceedings and we did not react intentionally since we needed to have all those info presented officially in a COURT of Law and NOW not only we can prove it either through the court system or face to face but we are going to use those lies so this Law Firm will by brought in front of JUSTICE to respond the those intentionally lies done so they can profit from a family with a temporary financial stress. I am sure that this Law Firm will have serious problem from now on because they lie in order to take advantage of a family temporary financial distress and we will report them to all proper institution so they no longer defraud other families. I will not accept to overpay the abuses by a bank like XXXX that defrauded my family and sold ILLEGAL my account to you knowing that they will be investigated and they may lose the banking license for fraud activity. I intend to save my house but NEVER ACCEPT the abuses overcharges of XXXX /XXXX XXXX XXXX . I kindly ask your bank to help my family since I am a victim of FRAUD from XXXX/XXXX XXXX XXXX that was only interested in defrauding my family. All information provided by XXXX XXXX XXXX to your institution are FALSE as this bank sold an account purchased from FDIC for only {$8000.00} and sold to your bank for at list 6,000 % profit!!!!! My husband instructed XXXX XXXX to get a PR company to see the effect of the abuse done to the clients but so far they ignore it. This is OK since my husband will convince with documents the same Department in Justice Department that investigated XXXX XXXX XXXX to start ASAP investigation against XXXX/XXXX XXXX XXXX I need help from your bank to solve the dispute intentionally generate by XXXX XXXX in order to generate as much profit as possible before they went bankrupt due to Criminal and Fraud activity. I am sure we are going to prove this in the Court soon too.
Your XXXXnstitution should avoid the abuse of XXXX XXXX XXXX and try to clarify this abuse before issue any letter. XXXX XXXX XXXX needed ONLY to cover up the FRAUD with the help of this law firm XXXX LIE in the Court. This Law Firm XXXX requested that some people go to my property and vandalize it so my husband register this abuse with the local Serif.
My husband took the case to SEC the NJ and Pennsylvania Attorney General to Department of Banking and the lawyer that lie in the Court will also get the licenses suspended as well as a legal case too.
We will make sure that this Law Firm will be responsible for the lies they did in the Court. I believe that we are only at the beginning of what will take place since we are determined to make public the abuse of XXXX/XXXX XXXX XXXX with the help of this law firm. I kindly ask you again for your support in order to solve the dispute and abusive of XXXX/XXXX XXXX XXXX and not create an even more problems. We are determined not to absorb the abuse of/XXXX XXXX XXXX.
If your institution is interested in solving this issue I will gladly come over and bring all documents ignored by XXXX XXXX XXXX temporary and once this dispute is clear. I am sure we can find a program that allow me to bring the account current or settle the account ( I prefer this ) so we can close it. The outstanding balance should be {$200000.00} and we need to find a solution. The interest calculation and the escrow is false I have a document where XXXX XXXX XXXX stated in XX/XX/XXXX that there is an overpayment of over {$5500.00} in escrow account!!!
My property was evaluated at {$73000.00} and your outstanding balance as per XXXX FASLE CALCULATION is XXXX and this is TOTALLY false. In the Court document the lawyer representing XXXX/XXXX XXXX XXXX falsely presented a number of {$250000.00}!!!!!
This total include a monthly payment of {$1500.00} when in my bank doc is clearly written {$860.00}. So the bank presentation was nothing else than a FALSE AND MISLIDING PRESETATION for this reason we will reach the USA Supreme Court too. I am determined to save my house with all the abuses of XXXX XXXX XXXX Below you will see my disputes. If we can make a settlement it will be beneficial to both parties involved.
1 ) Balance XX/XX/XXXX was {$180000.00}. As with the modification the total includes the taxes and the interest as of XX/XX/XXXX totaling {$4400.00} paid on XX/XX/XXXX advances. This must be excluded from Escrow /Impound Overdraft Tot {$12000.00}. 2 ) Amount of {$12000.00} representing finance charges only not escrow is incorrect. A standard calculation including the XX/XX/XXXX must total {$12000.00} making total overcharge of {$700.00} 3_ Total Escrow {$12000.00}. Overcharged in this category by {$6400.00} 4 ) Late charges {$910.00}. The bank has now all explanation. Overcharged {$910.00} 5 ) Property inspection : in the reconciliation you will get charges each month of {$11.00} this is not the case as the reconciliation showed that a person come to the house every month for 4 years!!!! 6 ) NSF total {$160.00}. Since I had fraud in my checking account at XXXX XXXX ( now XXXX XXXX ) I was told by XXXX that they will reverse those charges but was never done. Overcharge {$160.00} 7 ) BPO total {$200.00}. No visit to the house but only charges!!!! 8 ) Previous paid foreclosure total {$810.00}. As of XX/XX/XXXX included in the new principal. Overcharge {$810.00} 9 ) Sheriff Serving charge {$99.00}. The Sheriff never served any complaint. Overcharge {$99.00} 10 ) Review file all Pleadings and Loan Doc ( 2hr @ XXXX per hour ) The presentation according with XXXX XXXX and XXXX ID XXXX had been provided by the Acc. Dept. with all explanation. Overstated by {$250.00}. 11 ) Prepare and file Pre-trial XXXX hr @ XXXX = $ XXXX.No need to be charged since the legal fees are separate. Doc prepared by XXXX not by the lawyer representing the bank Overstated by {$620.00}. 12 ) Preparation for Attendance at trial XXXX hr @ {$120.00} = {$1000.00}. Overstated by {$1000.00}. The real payoff amount should be {$200000.00} before we subtract the payment for XX/XX/XXXX for {$860.00} and you will see the explanation below XXXX # 11 with this we do have : {$200000.00} - 868. Also before Ocwen the mortgage was assigned with Mortgage XXXX XXXX XXXX XXXX.
FINAL PAYOFF TOTAL {$200000.00} I prefer to find a solution to SETTLE this account so I can close this very ugly chapter start4ed abusive by XXXX XXXX XXXX after they purchase this account for 8 cents to 1 dollar.
I did not received yet your correction of my paid Insurance and decision regarding taxes. Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion.
Is time to close this looter organizer and drain the swamp of financial institution that lie to people
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| 06/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Below is an excerpt from a notarized affidavit sent to PHH Mortgage Services on XX/XX/XXXX.
XXXX. XXXXXXXX XXXX used the credit and signatures of ********** and ******** : to create a mortgage security with a value of {$150000.00} with an account number *********** in XX/XX/XXXX.
XXXX. The servicing of the alleged debt was transferred to PHH MORTGAGE d/b/a PHH MORTGAGE SERVICES, a subsidiary of Ocwen Financial.
XXXX. The current balance of alleged debt is {$84000.00}.
XXXX. Winding v. Frear ( In re Bolens ) XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX states Every taxpayer is a cestui que trust having a sucient interest in preventing abuse of the trust to be recognized in the eld of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action XXXX. I now know that I am the beneficiary of the XXXX XXXX XXXX associated with the Social Security number of************* and am not the Trustee.
XXXX. PHH MORTGAGE CORPORATION and its corporate officers, et al are the Trustee ( XXXX ) in this action.
XXXX. A negotiable instrument NO. XXXX for {$90000.00} was tendered in good faith for payment in full of presentment number XXXX and settlement and discharge of all alleged debt.
XXXX. This negotiable instrument contained clear instructions in the memo on how to process it and that it was not a check.
XXXX. The negotiable instrument was sent via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX to PHH MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX by XXXX XXXX on XX/XX/XXXX as evidenced by the green return receipt # XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX. Instrument NO. XXXX was transferred to PHH Mortgage Services Cash Management Department in XXXX XXXX XXXXXXXX XXXX.
XXXX. The green read receipt of serves as evidence of a contract between ******************* and PHH MORTGAGE SERVICES via the Postal Rule.
XXXX. The contract formed via the Postal Rule was not cancelled within the commercially accepted XXXX hour cooling down period.
XXXX. On XX/XX/XXXX, XXXX NO. XXXX was shipped via UPS Next Day Air by XXXX XXXX with a computer generated letter from the XXXX XXXX Department stating it was returning my check because it was fraudulent and was received by me on XX/XX/XXXX.
XXXX. PHH MORTGAGE SERVICES maintained possession of negotiable instrument NO. XXXX from XX/XX/XXXX XX/XX/XXXX ( XXXX calendar days, XXXX business days ) XXXX. This negotiable instrument NO. XXXX was returned, under claim of fraudulent check with the transactional marks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX printed on the back of the instrument, evidencing it as a cash receipt provided to me and indicating a cash payment of {$90000.00} to PHH MORTGAGE SERVICING and fulfilling all obligations of*********and ************ in regards to loan ***********.
XXXX. After processing negotiable instrument NO. XXXX, PHH MORTGAGE SERVICES maintained possession of negotiable instrument NO. XXXX from XX/XX/XXXX XX/XX/XXXX ( XXXX calendar days, XXXX business days ).
XXXX. At the time of the drafting of this conditional acceptance, our account ( loan XXXX ) has not been credited with the {$90000.00} offered.
XXXX. There must be a discharge of debt in its entirety under the Fair Debt Collection Practices Act and Regulation Z Truth-in-Lending Acct ( TILA ) with the XXXX day time frame as mandated by law. 30 days from XX/XX/XXXX is XX/XX/XXXX.
XXXX. PHH MORTGAGE having accepted my tender of payment for presentment number XXXX, and have not returned the mailed presentment ( Title USC 1700-1709 ), can not be the creditor of the said presentment. Under UCC 3-409 ( a ) & ( b ) and UCC 3-604 ( a ), PHH MORTGAGE did not adjust its accounting ledger to reflect the settlement and closure of the accounts receivable side of its accounting ledger.
XXXX. By returning instrument NO. XXXX with the claim that it is a fraudulent check, PHH MORTGAGE has acted in dishonor according to UCC 3-305.
XXXX. Additionally, UCC 3-603. TENDER OF PAYMENT ( b ) states If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
XXXX. Since PHH MORTGAGE SERVICES having accepted my tender of payment for presentment number ***************, and have not returned the mailed presentment, I have a claim or possessory right in the instruments and their proceeds under UCC 3-306 and all defense and claims in recoupment under section UCC 3-305 , which I exercise now, since PHH MORTGAGE SERVICES has not credited the account.
XXXX. I, **************, have an offset available to me, due to the lack of full disclosure by PHH MORTGAGE SERVICES ( see UCC UCC 3-305, 3-306 for unconscionable contracts ). The Fair Debt Collection Practices Act, Title 15 USC 1601, 1692, 1693 provides remedies for deceptive or unconscionable contracts and allows payments in any legal tender ( UCC 1-2-1 ( 24 ), HJR-192, Public Law 73-10, Title 31 USC secc 5118d ( 2 ) ) 25. I, ***************, as agent for ******************, give International Notice of Claims for a set off and recoupment to have the assets cancel out the liabilities according to : FAS 140 ; UCC 3-305, UCC 3-601 , UCC 8-105, UCC 9-404 and the GAAP regarding this matter.
XXXX. PHH MORTGAGE SERVICES under Federal Financing Accounting Standards ( FAS ) is required to look at its balance sheet, FAS 95 and offset the debt that the corporation owes the debtor pursuant to FAS 140.
Given these facts, I asked for the following from PHH Mortgage Services Certificate of Service and Interested Parties However, your refusal to accept my payment to discharge my alleged debt by tendering in good faith negotiable instrument NO. XXXX under claim of fraudulent check, is conditionally accepted by me, ***************, beneficiary with the following conditions : Conditional Acceptance of Your Offer Conditions : Within XXXX ( XXXX ) calendar days of the date of receipt of this Conditional Acceptance sent certified mail return receipt, you deliver to me the following : XXXX In order to verify that instrument NO. XXXX was not processed and deposited as a cash payment, please provide : a. A true and certified copy of the complete statement of said account. ( Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request. ( XXXX ) UCC 9-210. ) b. Audit certification of debt entry in accordance with FAS 140, Generally Accepted Accounting Practice ( G.A.A.P. ), XXXX XXXX XXXX XXXX ( XXXX. ), the XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) conventions.
XXXX. Please provide evidence that as a Corporation registered in XXXX XXXX and/or specically in the State of South Carolina that you are not bound by XXXX XXXX XXXXXXXX and XXXX and the Uniform Commercial Code.
XXXX. Please provide evidence that the Uniform Commercial Code ( UCC ) is not the comprehensive set of laws governing all commercial contracts in the United States.
XXXX. Please provide evidence of the corporations exemption status of Article XXXX of the Uniform Commercial Code covering commercial paper such as draft, promissory notes, checks, are not acceptable as a means to satisfy payments.
XXXX. Please provide substantial evidence to the contrary that banks are required to give a cash receipt to a customer when given a negotiable instrument for deposit in return for a cash payment to the bank.
XXXX. Please provide substantial evidence to the contrary that negotiable instrument NO. XXXX was not processed and returned to me in the form of a cash receipt for a cash payment to PHH MORTGAGE Corporation, its subsidiaries, any of its financial partners or any other financial institution.
XXXX. Produce substantial evidence to the contrary that the national economic emergency of the Bankruptcy of the United States in XXXX is still ongoing. And that a national remedy for discharge and acquittance was already established pursuant to 12 USC 95 and 50 USC 4305 ( b ) ( 2 ).
8. Produce substantial evidence to the contrary that Congress of the United States did legislate and provide the American People a remedy/means to discharge all debt and make purchases dollar for dollar via HJR-192 due to the declared Bankruptcy of the Corporate United States via the abolishment of the Constitutional Coin and Currency .
9. Produce substantial evidence to the contrary that the lawful coin ( i.e. organic medium of exchange ) and the former ability to pay debts and make purchases has been replaced with at, paper currency, with the limited capacity to only discharge debts.
XXXX. Provide evidence of a XXXX on my property when it is not possible for any money to have been borrowed by me. Notes, bonds and evidences of debt are not money ( XXXX Law XXXX XXXX ).
XXXX. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods or services. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.
XXXX. Please provide substantial evidence to the contrary that that I have a claim or possessory right in the instruments and their proceeds under UCC 3-306 and all defense and claims in recoupment under section UCC 3-305 .
XXXX. The Offer of payment of that certain sum of money that Debt Collector alleges/asserts, via the Presentment, constitutes Respondents debt, duty, obligation, and liability, including interest and penalties, is made dependent upon performance by Debt Collector of Conditions Precedent concerning which Respondent/Offeror is XXXX XXXX XXXX fundamental principles of American Jurisprudence and law ; namely, provision by Debt Collector of verification of the alleged debt, accompanied by documentary evidence establishing the factual basis for Debt Collectors claim for payment asserted within Debt Collectors above referenced Presentment, i.e. validation of Debt Collectors right for collecting the alleged debt In order to properly validate the alleged debt, we require XXXX XXXX to provide : XXXX. A valid contract signed in wet ink by both parties, confirming bilateral consent.
XXXX. A true and certified copy of the complete XXXX XXXX of said account including.
XXXX. Audit certification of debt entry in accordance with Generally Accepted Accounting Practice ( G.A.A.P. ), XXXX XXXX XXXX XXXX ( XXXX. ), the XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) conventions.
XXXX. A copy of your XXXX XXXX certificate.
On XX/XX/XXXX, PHH Mortgage Services was sent a Certificate of Dishonor and a Notice of Discharge. Below is the text of that notice : Please file this XXXX of XXXX # XXXX providing evidence of dishonor pursuant to U.C.C. 3-505 EVIDENCE OF DISHONOR certifying that you have dishonored the Negotiable instrument # XXXX tendered by me, ************** for payment of {$90000.00} on XX/XX/XXXX for alleged loan # XXXX.
a. The instrument # XXXX was dishonored on XX/XX/XXXX per U.C.C. 3-502 DISHONOR ( b ) ( XXXX ), which states ( XXXX ) If a draft is payable on a date stated in the draft, the draft is dishonored if ( i ) presentment for payment is duly made to the drawee and payment is not made on the day the draft becomes payable or the day of presentment, whichever is later, or ( ii ) presentment for acceptance is duly made before the day the draft becomes payable and the draft is not accepted on the day of presentment.
b. Notice of dishonor was given to XXXX XXXX ( received XX/XX/XXXX ) by way of a notarial protest and affidavit in the form or Private International Administrative Remedy Demand No. XXXX dated XX/XX/XXXX. XXXX. XXXX NOTICE OF DISHONOR states ( b ) Notice of dishonor may be given by any person ; may be given by any commercially reasonable means, including an oral, written, or electronic communication ; and is sufficient if it reasonably identifies the instrument and indicates that the instrument has been dishonored or has not been paid or accepted. Return of an instrument given to a bank for collection is sufficient notice of dishonor.
Any and all alleged debt or obligation due PHH Mortgage by XXXX has been fulfilled and discharged based on the following facts : a. XXXX of XXXX was made and refused. XXXX U.C.C. 3-603 ( b ) - ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
b. P.H.H. Mortgage XXXX any obligation of ********* : and ********* when they returned the processed instrument # XXXX on XX/XX/XXXX. XXXX XXXX. XXXX DISCHARGE BY CANCELLATION OR RENUNCIATION, which states : ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party,.
XXXX XXXX of XX/XX/XXXX, XXXX. Mortgage and its representatives have remained silent and have provided no rebuttal to the submitted affidavit since receiving Private International Administrative Remedy Demand No. XXXX. Therefore, per the XXXX Maxims of XXXX XXXX, XXXX. Mortgage has acquiesced and tacitly agrees to all the facts and demands contained within the reference Remedy Demand through their silence.
I do not wish to continue this matter further. Please process release of XXXX of my property with all XXXX XXXX XXXX of Deeds and XXXX offices.
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| 03/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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From the Desk of XXXX XXXX Private Attorney General 42 U.S.C 1988 RACKETEER INFLUENCED AND CORRUPT ORGANIZATION ( RICO ) and One of People in a Court of Record * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Consumer : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX PENDING CRIMINAL INVESTIGATION LAST UPDATE XX/XX/XXXX ATTN : MAGISTRATES, JUDGES, OFFICERS OF THE COURT, PUBLIC SERVANTS ( Any public servant under Oath of Office ) Including all members of Congress, Federal Agents or Military Authorities.
& ANY AFFILIATES CONNECTED WITH THE DOCUMENTS RECORDED IN SAID COUNTIES : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX XXXX ALL CRIMES/FELONIES ARE REPORTED TO THE ABOVE PUBLIC SERVANTS IN VIOLATION OF THE FOLLOWING CODES : PENAL CODE 115 FILING FALSE DOCUMENTS PENAL CODE 182 TWO OR MORE COMMITTING CRIMINAL CONSPIRACY PENAL CODE 470 FORGERY ; SIGNATURES OR SEALS ; CORRUPTION OF RECORDS ; INTENT TO DEFRAUD 18 U.S.C. 4 MISPRISION OF FELONY AND 18 U.S.C. 371-CONSPIRACY TO DEFRAUD THE UNITED STATES IF THESE CRIMES ARE NOT PROPERLY REPORTED YOU WILL VIOLATE YOUR OATH OF OFFICE AND ENTER INTO 18 U.S.C. 2381 TREASON RESCISSION OF SUBJECT PROPERTY UNDER CALIFORNIA CIVIL CODE 1688, 1689 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( 3 ) 1689.2 DUE TO ELDER ABUSE, RACIAL DISCRIMINATION AND RACIAL PROFILING ON MORTGAGE CASES ON BEHALF OF CERTAIN BANKS AND THEIR SERVICERS/DEBT COLLECTORS COLLECTING ON TERMINATED TRUST ACCOUNTS WITH THE SECURITY EXCHANGE COMMISSION FEDERAL CONSUMER LAWS CIVIL CODE SECTION 1567. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. Mistake FEDERAL CONSUMER LAWS CIVIL CODE 1571. 1572. 1573. 1574. 1575. 1576. 1577. AND 1578 FORGERY CALIFORNIA CODE OF CIVIL PROCEDURE 749 AND 749.5 NOTARY VIOLATIONS ; VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( d ) Failure to Discharge the Duties or Responsibilities of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( e ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure to Discharge Fully and Faithfully the Duties of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to Substantially Benefit the Notary Public or Another, or Substantially Injure Another VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( l ) Execution of any Certificate as a Notary Public Containing a Statement Known to the Notary Public to be False Execution of a certificate that the notary public knew contained false information.
VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( o ) Failure to Secure Journal or Official stamp DOCUMENTS IN ORDER Yes No Not Required Comments GRANT DEED XX/XX/XXXX DOCUMENT # XXXX XXXX COMMONWEALTH ESCROW # XXXX TITLE ORDER XXXX XXXX XXXX XXXX AS TO AN UNDIVIDED 5 % INTEREST AND XXXX XXXX AS TO AN UNDIVIDED 95 % INTEREST GRANTS XXXX XXXX, A SINGLE MAN NOTARIZED AND ACKNOWLEDGED XX/XX/XXXX DEED OF TRUST XX/XX/XXXX DOCUMENT # XXXX XXXX COMMONWEALTH TITLE ORDER # XXXX LOAN # XXXX MIN # XXXX BORROWER- XXXX XXXX LENDER-. XXXX XXXX XXXX XXXX XXXX.
TRUSTEE-XXXX XXXX XXXX XXXX.
XXXX IS BENEFICIARY {$530000.00} ADJUSTABLE RATE RIDER ***XXXX XXXX XXXX XXXX XXXX WAS SUSPENDED IN XX/XX/XXXX BY THE SECRETARY OF STATE OF CALIFORNIA AND FRANCHISE TAX BOARD IN XX/XX/XXXX. SEE ATTACHED INTER-AGENCY INQUIRY*** ***ON XX/XX/XXXX MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC AMENDED UNDER ARTICLE 1 : THE NAME OF THE CORPORATION IS XXXX XXXX NOTARY PUBLIC XXXX XXXX XXXX HAS COMMITTED CRIMINAL CONSPIRACY WITH THE MULTIPLE VICE PRESIDENTS OF XXXX XXXX XXXX XXXX XXXXC. AND DUE TO THIS THE SECRETARY OF STATE HAS REVOKED HER COMMISSION AND HAD HER IMMEDIATLEY DESTROY HER STAMP AND EMBOSSERS SEE ATTACHED ORDER AND LETTER SENT TO SENATOR XXXX IN VIOLATION OF PENAL CODE 115.5. FALSE DOCUMENTS RECORDED IN SAID COUNTY, PENAL CODE 182 CRIMINAL CONSPIRACY AND PENAL CODE 470 INTENT TO COMMIT FORGERY QUITCLAIM DEED XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX HEREBY GRANTS TO XXXX XXXX AS TO A UNDIVIDED 95 % INTEREST AS TENANTS IN COMMON XX/XX/XXXX SIGNED BY XXXX XXXX XXXX XXXX NOTARY PUBLIC : XXXX XXXX SUBSTITUTION OF TRUSTEE XX/XX/XXXX DOCUMENT XXXX LOAN # XXXX MIN # XXXX XXXX FILE NO. XXXX XXXX A CALIFORNIA CORP HEREBY SUBSTITUTES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AS INDENTURE TRUSTEE UNDER THE INDENTURE RELATING TO XXXX XXXX XXXX XXXX XXXX XXXX SERIES XXXX MORTGAGE BACKED NOTES SERIES XXXX THIS TRUST ACCOUNT HAS BEEN TERMINATED AS OF XX/XX/XXXX TAX EVASION, SECURITIES FRAUD, AND MONEY LAUNDERING SIGNED BY XXXX XXXX XXXX ASSISTANT SECRETARY NOTARY PUBLIC : XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS NOTARY PUBLIC XXXX XXXX IN VIOLATIONS OF PENAL CODE 115 FILING FALSE DOCUMENTS IN SAID COUNTIES, PENAL CODE 182 TWO OR MORE COMMITING CRIMINAL CONSPIRACY, PENAL CODE 470 INTENT TO DEFRAUD NOTICE OF RESCISSION XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX.
TS # XXXX TITLE ORDER XXXX LOAN # XXXX RESCINDING PREVIOUS NOTICE OF DEFAULT SIGNED BY XXXX XXXX EXECUTIVE VICE PRESIDENT FOR XXXX XXXX AS TRUSTEE BY XXXX XXXX XXXX XXXX XXXX AS AGENT BLANKET ASSIGNMENT OF DEED OF TRUST XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX FOR VALUE RECIEVED THE UNDERSIGNED FEDERAL DEPOSIT INSURANCE CORP AS RECEIVER OF XXXX XXXX AND XXXX XXXX, XXXX. BY XXXX XXXX XXXX XXXX UNDER LIMITED POWER OF ATTORNEY DATED XX/XX/XXXX RECORDED XX/XX/XXXX IN XXXX COUNTY TEXAS IN DOCUMENT # XXXX HEREBY GRANTS TO XXXX XXXX XXXX XXXX SIGNED BY XXXX XXXX XXXX, ASSOCIATE GENERAL COUNSEL FOR FEDERAL DEPOSIT INSURANCE CORP AS RECEIVER OF XXXX XXXX XXXX XXXX XXXX XXXX. BY U.S. BANK NATIONAL ASSOCIATION UNDER LIMITED POWER OF ATTORNEY DATED XX/XX/XXXX RECORDED XX/XX/XXXX IN XXXX COUNTY TEXAS IN DOCUMENT # XXXX NOTARY PUBLIC XXXX XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECTS ACTING AS NOTARY PUBLIC XXXX XXXX XXXX AND XXXX XXXX XXXX IN VIOLATIONS OF PENAL CODE 115 FILING FALSE DOCUMENTS IN THE XXXX XXXX COUNTY RECORDERS OFFICE NOTICE OF DEFAULT XX/XX/XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXXXXXX.
TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX XXXX SUBSTITUTION OF TRUSTEE XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX XXXX.
TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX HEREBY SUBSTITUTES XXXX XXXX XXXX XXXX XXXX.
NOTICE OF TRUSTEES SALE XXXX DOCUMENT XXXX XXXX XXXX XXXX TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX HEREBY SUBSTITUTES SIGNED BY XXXX XXXX AGENT FOR XXXX XXXX XXXX SIGNED BY XXXX XXXX OFFICER FOR XXXX. XXXX XXXX XXXX.
NOTARY PUBLIC XXXX XXXX ORDER NOTARY OATH AND ALSO CHECK IF THE SIGNATURE IS A STAMP SIGNED BY XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS XXXX XXXX IN VIOLATION OF PENAL CODE 115 FILING FALSE DOCUMENTS IN SAID COUNTY OF XXXX XXXX, PENAL CODE 182 CRIMINAL CONSPIRACY, PENAL CODE 470 INTENT TO DEFRAUD THE PUBLIC The White House United States President Donald J. Trump Sr.
XX/XX/XXXX Submitted appointment request on XX/XX/XXXX via The White House website successfully submitted XXXX XXXX.
Executive Order 13818 THE AMERICAN ANTI-CORRUPTION ACT AND EXECUTIVE ORDER 13818 BLOCKING THE PROPERTY OF PERSONS INVOLVED IN SERIOUS HUMAN RIGHTS ABUSE OR CORRUPTION BY THE AUTHORITY OF PRESIDENT DONALD J. TRUMP ISSUED EFFECTIVE DATE XX/XX/XXXX SECTION 1. ( B ) ( 1 ) CORRUPTION, INCLUDING THE MISAPPROPREATION OF STATE ASSETS, THE EXPROPRIATION OF PRIVATE ASSETS FOR PERSONAL GAIN, CORRUPTION RELATED TO GOVERNMENTS CONTRACT OFLR THE EXTRACTION OF NATURAL RESOURCES OR BRIBERY : OR ( 2 ) THE TRANSFER OR THE FACILITATION OF THE TRANSFER OF THE PROCEEDS OF CORRUPTION.
United States President Donald Trump XXXX XXXX XXXX XXXX XXXX, New York XXXX Certified Mail XXXX XXXX XXXX XXXX XXXX CONGRESSMAN XXXX XXXX XXXX XXXX DISTRICT REPORTED ON XX/XX/XXXX AT XXXX XXXX
SPOKE TO XXXX XXXX DISTRICT REPRESENTATIVE EXPLAINED ALL THE CRIMES AFFECTING THE ELDERLY, AND HARD WORKING VICTIMS FEDERAL AND STATE CRIMES AFFECTING MILLIONS OF VICTIMS IN MULTIPLE COUNTIES. XXXX XXXX CA MOBILE OFFICE THE XXXX XXXX COUNTY RECORDERS OFFICE LOCATED IN XXXX Commission of Judicial Performance XXXX XXXX, Ca XXXX Spoke to XXXX XXXX and he stated he would send a letter pertaining to the investigation against the State Judges.
XXXX XXXX NOTICE PENDING MAILED XX/XX/XXXX MAIL ID # XXXX WRIT OF ERROR TO FORMER SHERIFF XXXX XXXX XXXX FILED XX/XX/XXXX IN DEPARTMENT 1 AT THE XXXX XXXX COURTHOUSE UNITED STATES SENATOR XXXX XXXX XX/XX/XXXX PRIVACY ACT COSENT FORM FILED BY XXXX XXXX CONGRESSMAN XXXX XXXX 31ST DISTRICT IN PERSON ON XX/XX/XXXX AT XXXX XXXX WITNESS XXXX XXXX SPOKE TO XXXX XXXX STAFF ASSISTANT IN GRAND FEDERAL BUREAU OF INVESTIGATION COMPLAINT FILED ON XX/XX/XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED VIA PHONE BY PRIVATE ATTORNEY GENERAL 42 U.S.C. XXXX XX/XX/XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT VIA PHONE XXXX XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX 42 U.S.C. XX/XX/XXXX ( RICO ) XX/XX/XXXX XXXX DEPARTMENT 1 AT THE XXXX XXXX COURTHOUSE PENDING ( XXXX ) ON BEHALF OF THE PUBLICS INTEREST, SECURITY, FREEDOM FROM ORGANIZED CRIME WHICH WAS COMMITTED TO APPROX. 13 MILLION INHABITANTS IN THE UNITED STATES OF AMERICA VIOLATIONS OF RACKETEER INFLUENCED AND CORRUPT ORGANIZATION, MAIL FRAUD, WIRE FRAUD, MONEY LAUNDERING, TAX EVASION, FABRICATION OF FALSE DOCUMENTS, PENAL CODES 115, 182, 470 CCC 2934, 2924 CIVIL RIGHTS, WHITE COLLAR CRIMES FEDERAL BUREAU OF INVESTIGATIONS VIA PHONE XX/XX/XXXX AT XXXX XXXX APPROX.SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Judge Advocate General OJAG XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX PENDING ( XXXX ) DEPARTMENT OF TREASURY SPECIAL AGENT XXXX XXXX XX/XX/XXXX OPEN INVESTIGATION Office of the Provost Marshal XXXX XXXX XX/XX/XXXX REQUESTING MILITARY ASSISTANCE DUE TO TREASON COMMITTED BY ELECTED OFFICERS OF THE COURT IN MULTIPLE COUNTIES DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED IN PERSON BY PRIVATE ATTORNEY GENERAL XXXX XXXX IN THE UNITED STATES BANKRUPTCY COURT XX/XX/XXXX at XXXX XXXX approx IN THE CASE OF THE DEBTOR XXXX XXXX WHEREIN AS JUDGE XXXX XXXX ORDERED XXXX XXXX BY FORCE IN CONTEMPT OF THE COURT TO COME BACK IN AFTER JUDGE XXXX XXXX WAS DISQUALIFIED BY XXXX. XXXX RESPONDED XX/XX/XXXX Conclusion OFFICE OF THE COMPTROLLER OF CURRENCY CASE # CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT # DISTRICT ATTORNEY XXXX XXXX ( XXXX XXXX COUNTY ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # Speaker of the House XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX phone XXXX fax Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX * COURT OF RECORD. To be a court of record a court must have four characteristics, and may have a fifth. They are : A. A judicial tribunal having attributes and exercising functions independently of the person of the magistrate designated generally to hold it [ XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Ex parte XXXXl, XXXX XXXX. XXXX., 171, per XXXX, XXXX. See, also, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ] [ XXXX 's Law Dictionary, 4th Ed., 425, 426 ] B. Proceeding according to the course of common law [ XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX ; Ex parte XXXX, XXXX XXXX. XXXX, XXXX, per XXXX, XXXX. See, also, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ] [ XXXX 's Law Dictionary, 4th Ed., 425, 426 ] C. Its acts and judicial proceedings are enrolled, or recorded, for a perpetual memory and testimony. [ XXXX XXXX. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX Cal XXXX ; XXXX v. U.S. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ] Has power to fine or imprison for contempt. [ XXXX XXXX. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX XXXX XXXX ; XXXX v. U.S. , XXXX, XXXX XXXX XXXX, XXXX L.R.A. XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX. ] [ XXXX 's Law Dictionary, 4th Ed., 425, 426 ] E. Generally possesses a seal. [ XXXX XXXX. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX Cal XXXX ; XXXX v. U.S. , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ] [ XXXXXXXX XXXX Law Dictionary, 4th Ed., 425, 426 ] ***Private Attorney General Private attorney general is an informal term usually used today in the United States to refer to a private party who brings a lawsuit considered to be in the public interest, i.e., benefiting the general public and not just the plaintiff. [ 1 ] The person considered " private attorney general '' is entitled to recover attorney 's fees if he or she prevails. The rationale behind this principle is to provide extra incentive to private citizens to pursue suits that may be of benefit to society at large.
Another example of the " private attorney general '' provisions is the Racketeer Influenced and Corrupt Organizations Act ( RICO ). RICO allows average citizens ( private attorneys general ) to sue those organizations that commit mail and wire fraud as part of their criminal enterprise. [ citation needed ] To date, there are over 60 federal statutes [ citation needed ] that encourage private enforcement by allowing prevailing plaintiffs to collect attorney 's fees.
Attorneys who function as a private attorney general do so without compensation. The statutes permitting a plaintiff to recover attorneys ' fees have been held not to apply when the plaintiff is an attorney.
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| 07/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I submitted a loss mitigation application to my mortgage servicer, Ocwen Loan Servicing, to short sale my home when I realized I could not afford to pay for it anymore. I did this in late XXXX after a foreclosure case was still pending against me and the subject Property, which is and has always been at all relevant times and to date my principal residence. OnXX/XX/XXXX, I received 2 letters from Ocwen -- one stated that my request to short sale the property was approved and gave instructions for submitting an offer and the other letter gave me list price guidance. My attorney who is also my listing broker listed the property in mid-XX/XX/XXXX for the amount advised by Ocwen. It took several months but finally it was necessary to reduce the list price because I was not getting offers. At the time, the property needed repairs estimated as ofXX/XX/XXXXof approximately {$41000.00} ; I also was in serious delinquency on my mortgage payments, but this was well known to Ocwen and the mortgage investor ( claimed to be a private investor ) prior to the approval to do a short sale. Neither of those conditions has changed. Ocwen has been sent the {$41000.00} repair estimated in the summer of XX/XX/XXXXand it was resent again in XX/XX/XXXX after which the 1st short sale approval letter datedXX/XX/XXXX was issued. After additional BPO appraisals ordered by Ocwen, the price was reduced multiple times and multiple contract purchase offers were submitted but were all rejected because the net proceeds payable to Ocwen were reportedly too low. I was repeated invited to submit another, better offer without any further list price guidance until the Fall of XX/XX/XXXXand then again in XX/XX/XXXX I learned that repeated BPO ( ie, realtor ) appraisals valued the property at {$480000.00}. So I immediately instructed my Listing Broker to lower the list price on the property to encourage a viable contract offer. All the while, and continuing to date, it is extremely important to me that I avoid the harmful effects of a foreclosure sale on the property. Due to significant and numerous other liens that are encumbering the property, I am not eligible to do a Deed in Lieu of foreclosure. So if I knew that if I could n't get a short sale accomplished I would risk my house being sold at foreclosure. That is why I have worked so diligently and in good faith to cooperate at all times with Ocwen, and I have instructed my attorney/Listing Broker to work so hard to get agreements from the other lien holders, which liens are encumbering the property, to release them so that I can avoid foreclosure. After many months, those lien issues -- subject only to the short sale being consummated -- are able to be resolved for pennies on the dollar. In fact, for less than {$2500.00} I am getting 1 particular lien that is valued at over {$20000.00} paid and satisfied. That is huge to me because I have been struggling to recover after a lengthy prior period of under-employment, and divorce. So I was glad to be able to submit a {$480000.00} short sale offer to Ocwen in earlyXX/XX/XXXX. I was even more delighted when Ocwen sent me a short sale approval letter for that contract on XX/XX/XXXX. Unfortunately, just 3 days prior to the deadline for closing ( which had to be completed by XX/XX/XXXX per the short sale approval letter conditions ) the deal fell through because the Buyers could not get approved for a loan. The issue was not the house appraising for too little ; in fact those Buyers had 2 separate interior appraisals conducted and that the house appraised " as is '' for the {$480000.00} sale price. I, for my part, had paid movers to remove most of my personal property from the house in anticipation of the closing. It is also noteworthy that I am not even now being allowed any Seller relocation assistance even though when I first made inquiry of Ocwen about that issue in the Fall of XXXX I was told that I was eligibile to receive {$10000.00}. Ocwen later reneged on this and I was told that, according to them, the private investor does not allow any Seller Relocation Assistance. I now realize that I can not trust anything that Ocwen tells me or my attorney/Listing Broker. So I do n't know that I am being told the truth about not being eligible for Seller Relocation Assistance. This is an issue I want firmly addressed as part of my Complaint to your offices. But, most recently, and more to the point -- after the original approved short sale for {$480000.00} had expired -- Ocwen sent me a letter datedXX/XX/XXXXstating that the prior short sale that had been approved was denied because the deadline for closing had expired onXX/XX/XXXX BUT Ocwen also affirmatively in that same letter invited me to submit another short sale offer. It is important to note that from prior to the XX/XX/XXXX short sale approval letter and as recently as today, on a bi-weekly basis and more recently on a weekly or less basis, my attorney/Listing Broker has had routine conference calls with my Relationship Manager ( or someone in his absence ), XXXX XXXX ( ID # XXXX ), and all of those conversations let my attorney/Listing Broker and me to understand that I was eligible to submit for final approval a short sale to avoid foreclosure of my home. Just seven ( 7 ) calendar days after receiving that letter inviting another short sale contract to be submitted, I was able to do so, supplying all required documents. I was fully convinced that it would an effortless process for this new Buyer offer to be accepted because this offer was going to yield to the mortgage investor MORE MINIMUM NET PROCEEDS than the prior Buyer 's offer. And my attorney/Listing Broker specifically made a point to investigate, then advised me before I executed that offer, to reassure me that the Buyer had been fully vetted as to his FICO score, employment history, income and other relevant factors so that I could be confident, and Ocwen by extension, that this Buyer would not have an issue getting a mortgage loan to by my house ( by the way, this particular contract that I choose was one of 2 new offers presented to me, but I elected it because its terms constituted the highest and best offer received TO DATE ). On XX/XX/XXXX, another appraisal was done on my house, this time and for the first time by an actual Maryland licensed appraiser, which I again accommodated. Reportedly this was necessary because the prior ( realtor BPO ) appraisal done inXX/XX/XXXX had expired. I reasonably assumed that this was consistent with getting the new short sale approval letter. OnXX/XX/XXXX after requesting a copy of that appraisal report following the denial of the short sale contract, I learned that the Property appraised " As Is '' for {$470000.00} - that 's {$10000.00} LESS than the short sale contract purchase price at issue. That report contained information suggesting the true FMV was even less, as low as {$400000.00}, with repair estimates at {$20000.00} ( but which failed to accurately reflect all repairs needed. At no time was I or my attorney/Listing Broker ever told that another short sale contract would be denied because time had run out to do a short sale. Certainly at no time from the initial approval letter sent by Ocwen in XX/XX/XXXX to date have I ever received any written notice of a deadline to submit a short sale contract. Yet to my great distress and frustration, on XX/XX/XXXX I received a letter from Ocwen stating that the pending short sale contract submitted in good faith on XX/XX/XXXX had been denied and the sole reason given was a statement to the effect that the mortgage investor wanted nothing less than to be paid in full!!! That is completely contrary to theXX/XX/XXXX short sale approval letter AND antithetical to the concept of a short sale!!! I immediately instructed my attorney/Listing Broker to follow the instructions in that letter to appeal the decision. My attorney/Listing Broker immediately called Ocwen and was told that the private investor was declining the offer due to the serious delinquency of the mortgage ( which has been true for years ) and the condition of the property ( which has also been true for years ). This to me was not a good faith answer. When asked, the Ocwen rep claimed that despite the fact that Ocwen knows the mortgage investor short sale guidelines, that Ocwen had no way to know that the investor would decline the latest short sale. I also find that representation wholly implausible. The formal email to Ocwen 's Liquidations Appeal department was sent on Friday, XX/XX/XXXX with all supporting documentation and additional reasons for my appeal. On Monday, XX/XX/XXXX, my attorney/Listing Broker called Ocwen to inquire as to status and was transferred to Ocwen 's " Ombudsman 's '' department where a conversation with XXXX XXXX resulted in an acknowledgement of the oddity of the current status of the short sale and a promise to make further inquiries and respond back by phone no later than Thursday, XX/XX/XXXX. My Attorney/Listing Broker advised, with my permission, that I would hold off filing a complaint with your offices and the Maryland Attorney General 's office as a professional courtesy and on the reasonable expectation that Ocwen and the mortgage investor would do the right thing based on the history of all relevant facts to date, and reverse their denial letter so that I could avoid foreclosure. It is also extremely important to me that the Buyer be able to buy my house. I acted in good faith marketing it as a short sale that I was ready, willing and able to consummate, and this action by Ocwen and the investor not only makes it appear as if I have breached our agreement, but that I have mislead the Buyer. On XX/XX/XXXX, I received another short sale denial letter, which other than the date on the letter was identical to that which was received on XX/XX/XXXX. No clarification as to whether or not this was a response to my appeal was given. Just another insufficiently inaccurate form letter from Ocwen. I also learned that there appears to have been confusion about who the new Buyer was because Ocwen reps, including my Relationship Manager and then XXXX XXXX who took my attorney 's call on XX/XX/XXXX variously asked the name of the Buyer for the latest offer. This just shows how confused and untrustworthy the communications on my behalf with my Attorney/Listing Broker and Ocwen reps have been. How can they not clearly know whose contract was presented to them and have to ask those questions? OnXX/XX/XXXX, XXXX XXXX contacted my attorney/Listing Broker and I then learned that XXXX XXXX claimed that the mortgage investor said that it was too late to do a short sale, and that that decision is within the investor 's discretion. This is now yet a new excuse for denying the short sale that was never given before. Thus, you understand my complete and utter distrust of Ocwen in connection with communicating the true nature of the current dispute and the reasons given for it. Earlier today, XX/XX/XXXX, my attorney/Listing Broker received the pre-scheduled weekly call from XXXX ( covering for the Relationship Manager, XXXX XXXX ). at which time XXXX stated that the file " was in active short sale status. '' When it was pointed out that this property was the subject of a recent short sale denial letter on appeal and that the decision was based on essentially being told " too late, times up, and we want all our money '' the response back from XXXX was " the file is still under review. '' Before that call, my Attorney/Listing Attorney had already reached out to the Buyer 's realtor and mortgage loan officer to advise on the adverse status of the short sale negotiations and to clarify the amount of actual time that the Buyer would need to get mortgage funding approval to close the short sale contract ( which was previously stated to be 3 weeks after receiving the short sale approval letter ). After the call with XXXX concluded with a statement that he did not know when a final decision on the appeal would be made, I learned that the Buyer 's loan is now far enough in the process that the Buyer can close in 2 weeks or less, subject only to receipt of a short sale approval letter, and the title company ( re-evaluating ) the title work needed to issue title insurance. My Attorney/Listing Broker emailed the Ocwen Liquidation Appeals department memorializing the conversation with XXXX and giving this updated information. Up to this point, I was cautiously optimistic that Ocwen and the investor would realize their error and fix the problem without litigation, which I am fully prepared to undertake -- ON PRINCIPLE and not just because as a consumer I am appalled at how this short sale has so quickly deteriorated into a problem to be resolved!! When my Attorney initiated an investigation earlier this afternoon to determine whether a foreclosure sale date is set for my house, I learned that the XX/XX/XXXX ( yes, that 's the right year ) foreclosure case has been administratively closed by the Court in which it was filed as of XX/XX/XXXX due to " lack of prosecution '' meaning that this is just another reason why better for the investor and me to complete the pending short sale contract. I am asking for the assistance of the CFPB to resolve this matter ASAP so that I can keep my end of the bargain with the present Buyer before that Buyer decides to walk away and I am left more seriously and negatively impacted -- personally, emotionally and financially. Copies of all relevant emails and attachments to those emails are being provided here.
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| 03/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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lets start at the beginning! in XX/XX/XXXXthe original lender XXXX XXXX that I signed a promissory note I endorsing the note to tender payment by Ucc code. the Mortgage company by state law was supposed to transfer promissory into a remic or a special purpose vehicle To the appropriate payee, and to file XXXX OID for tax purposes to identify payor & payee. the note was securitized which voided it when separated form the mortgage. I am an investor in the mortgage security instrument. I requested a copy of my loan docs which are separate from the mortgage agreement. the credit line the was supposed to be the source of funds that where lent to me to purchase the home which the promissory secured loan. I was induced and coerced into signing a mortgage agreement for my security that I owned and being the issuer of the investment contract not a mortgage loan to be traded on and to be recouped toward my loan balance. I also submitted certified letters to the servicer OCWEN LOAN SERVICING which has claimed to be the servicer and new holder in due course. They have not responded to the letters that I sent to them stating proof through affidavit that they a authorized to service the note or the proof of the validity of the note ( the original ) NOT A COPY. OCWEN LOAN SERVICING didn't reply to letters so I filed a Revocation of Power of attorney and sent them a copy filed in court record that the have been revoked of the right of power of attorney as servicer & Trustee removed for good cause. The servicer is still trying to foreclose.
AFFIDAVIT OF XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX.
c/o XXXX XXXX XXXX XXXX, [ XXXX ] Texas To : OCWEN LOAN SERVICING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ACC # XXXX XX/XX/XXXX The undersigned, XXXX XXXX XXXX XXXX a native state Citizen and natural person, hereinafter Affiant does herewith assert and declare on Affiants unlimited liability that Affiant issues this AFFIDAVIT OF XXXX XXXX XXXX XXXX with sincere intent, that Affiant is competent to testify and state the matters set forth herein and is willing to testify with first hand knowledge, all contents herein are true, correct, and complete in accordance with Affiants knowledge, understanding, and intent. Affiant is of sound mind, and over the age of twenty-one. Affiant reserves all rights. Affiant being unschooled in law, and who has no bar attorney, without an attorney, and having never been represented by an attorney, and does not waive counsel, knowingly and willingly Declares and duly affirms : 1. Affiant is not a legal entity nor any other form of juristic or artificial person.
2. OCWEN LOAN SERVICING is engaged in the business of taking deposits making loans.
3. Affiant, regarding the absolute and legal estate, is the sole legal and absolute owner, maker, or issuer of the estate and any asset ( s ) or property ( ies ) regarding the absolute estate and Affiant has never assigned, transferred, nominated any of Affiants right, title, or interest to. OCWEN LOAN SERVICING.
4. Affiant has no knowledge of nor has OCWEN LOAN SERVICING ever revealed or disclosed to Affiant any trust relationship or creation of any trust with OCWEN LOAN SERVICING or any other ( s ) regarding alleged account # XXXX or the Mortgage/Deed of Trust regarding the same.
5. It was never Affiants intent to agree or consent to any trust relationship or creation of trust between OCWEN LOAN SERVICING and Affiant.
6. Affiant never knew of nor agreed nor consented to OCWEN LOAN SERVICING or any others granting authority and becoming a trustee, agent, or having agency over any of Affiants property.
7. Affiant understood Affiant was obtaining OCWEN LOAN SERVICINGs capital and not obtaining credit or a line of credit nor an open end nor closed end of any form of credit.
8. OCWEN LOAN SERVICING advanced money or property inducing Affiant into believing said advancement was from OCWEN LOAN SERVICINGs funds when in fact was credit.
9. Affiant was induced by OCWEN LOAN SERVICING into believing OCWEN LOAN SERVICINGs capital was the only funding source of the alleged transaction.
10. OCWEN LOAN SERVICING actions to date prevent full disclosure to Affiant denying Affiant an opportunity to make a fully informed decision with regard to this alleged transaction.
11. OCWEN LOAN SERVICING never disclosed any documented fact that OCWEN LOAN SERVICING purchased Affiants alleged obligation thereby allegedly obligating Affiant to OCWEN LOAN SERVICING.
12. CREDITOR NAME HERE induced Affiant into believing OCWEN LOAN SERVICINGs capital was the sole source of funding regarding alleged account # XXXX.
13. OCWEN LOAN SERVICING is knowingly and willfully engaging in the collection of an extension of credit while inducing Affiant into believing Affiant is repaying OCWEN LOAN SERVICINGs own capital.
14. OCWEN LOAN SERVICING is using extortionate enforcement of payment without clear and full disclosure of foundation to Affiant.
15. OCWEN LOAN SERVICING is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in the alleged Mortgage/Deed of Trust connected to alleged account # XXXX 16. OCWEN LOAN SERVICING is intentionally concealing and withholding material facts in any trustee or beneficiary, designated, nominated, appointed, or assigned by Affiant.
17. OCWEN LOAN SERVICING is willfully withholding or concealing full disclosure of all material facts to Affiant.
18. OCWEN LOAN SERVICING is using undue influence upon Affiant to retain domination over the Affiants will to obtain the rights and property of Affiant without Affiants complete knowledge and intentional consent or agreement.
19. OCWEN LOAN SERVICINGs action ( s ) exceed persuasion under duress by restraining and injuring Affiants will, property, and rights without the consent, agreement and knowledge of Affiant.
Any man or woman having first hand knowledge of all the facts asserted herein and having absolute power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of OCWEN LOAN SERVICING immunities or defenses.
Any rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar days of OCWEN LOAN SERVICINGs receipt of this affidavit.
When a rebuttal is not received by both the Affiant and the Notary within 10 days this entire Affidavit and default provisions shall be deemed true and correct.
OCWEN LOAN SERVICING further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : 1. OCWEN LOAN SERVICING agrees to a Deed of release or release of Mortgage.
2. OCWEN LOAN SERVICING agrees to set aside any Mortgage/Deed of Trust.
3. OCWEN LOAN SERVICING agrees that each point in this affidavit shall constitute a single claim against OCWEN LOAN SERVICINGs bond ( s ) for each point not directly rebutted by OCWEN LOAN SERVICING.
4. OCWEN LOAN SERVICING agrees to release any information, rather private or otherwise, to Affiant about any of OCWEN LOAN SERVICINGs or OCWEN LOAN SERVICINGs agents or representatives Employee Dishonesty Bond, Directors and Officers Policy Bond, or any other liability bond ( s ), including the insurance or bond company name, bond company information, bond enforcement information, or any other of OCWEN LOAN SERVICINGs bond information Affiant requests.
5. OCWEN LOAN SERVICING hereby obligates and guarantees OCWEN LOAN SERVICINGs bond ( s ) to secure the performance of non rebuttal of this affidavit to Affiant for any unfaithful performance of fiduciary duties, financial loss, or damages sustained by Affiant in connection to any breach of contract or this affidavit. Any amount is not limited by the value of any property or costs incurred by Affiant in seeking remedy for OCWEN LOAN SERVICINGs breach.
6. OCWEN LOAN SERVICING shall further agree that once or if OCWEN LOAN SERVICINGs bond ( s ) expire, terminate or do not equal the total amount due Affiant, OCWEN LOAN SERVICINGs President, Directors, and any of OCWEN LOAN SERVICINGs agents and representatives shall become individually liable for any difference due Affiant.
7. OCWEN LOAN SERVICING obligates and guarantees OCWEN LOAN SERVICINGs current or future bond ( s ) to discharge any allegations against Affiant..
8. OCWEN LOAN SERVICING immediately grants to Affiant the unconditional right of rescission regarding alleged account # XXXX and any security interest attached thereto.
9. OCWEN LOAN SERVICING agrees to the filing of a UCC-3 deleting the alleged mortgage/deed of trust in any public record.
10. OCWEN LOAN SERVICING agrees to the filing of a UCC-5 Correction in any public registry to correct the inaccurate, unlawful or illegal mortgage/deed of trust in any public record.
11. OCWEN LOAN SERVICING agrees this affidavit shall be used as first party evidence or positive proof in any remedy sought by Affiant.
12. OCWEN LOAN SERVICING shall return any money or property of Affiant including but not limited to any original documentation, including but not limited by, any Notes, securities, assets, applications, transfers, blotters, book entries, assignments, and security interests to Affiants address stated herein.
13. OCWEN LOAN SERVICING waives all rights to adjudicate the alleged agreement referenced herein.
14. OCWEN LOAN SERVICINGs president and any directors waive all immunities regarding any future actions sought by Affiant.
15. OCWEN LOAN SERVICING shall immediately terminate any security interest and certify to Affiant the termination within 10 days.
16. OCWEN LOAN SERVICING is barred from any alleged right, title, or interest in any alleged account, note, monetary instrument, asset, or Mortgage/Deed of Trust regarding Affiant.
17. Any alleged trustee, or successor of OCWEN LOAN SERVICING is hereinafter completely removed and disqualified as trustee, agent, or successor by Affiant.
18. OCWEN LOAN SERVICING and any of OCWEN LOAN SERVICINGs assigns or nominees are estopped henceforth from any action against any of Affiants rights or property.
19. OCWEN LOAN SERVICING abandons all right of : entry, possession, judgment, assignment or notice regarding Affiant or Affiants property.
20. OCWEN LOAN SERVICING abandons the right of any alleged waiver or estoppel.
21. OCWEN LOAN SERVICING hereinafter discharges any alleged Mortgage/Deed of Trust or any alleged debt.
22. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING is in violation of the Statute of Frauds.
23. All relationships between OCWEN LOAN SERVICING and Affiant are null and void.
24. OCWEN LOAN SERVICING hereby admits to causing Affiant to enter an alleged agreement under mistake.
25. The alleged Mortgage/Deed of Trust recorded and filed in any public record is a result of the aforementioned mistake and therefore is null and void.
26. OCWEN LOAN SERVICING agrees that Affiant is the absolute legal and lawful titleholder of Affiants property referenced herein.
27. OCWEN LOAN SERVICING agrees that Affiant is a victim of Larceny and unlawful conversion by OCWEN LOAN SERVICING.
28. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING filed simulated process in the public record.
29. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING breached Trust of Realty regarding Affiant.
30. OCWEN LOAN SERVICING agrees and consents that OCWEN LOAN SERVICING has no power of sale regarding alleged Mortgage/Deed of Trust or property of Affiant.
31. OCWEN LOAN SERVICING agrees and consents to Injunctive relief for Affiant.
32. OCWEN LOAN SERVICING agrees that CREDITOR NAME HERE has breached any express trust by disloyalty.
33. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING has breached the oral trust relationship with Affiant.
34. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING has employed the extortionate extension of credit with regard to Affiant.
35. OCWEN LOAN SERVICING agrees that OCWEN LOAN SERVICING is hereby removed and disqualified as trustee ( s ) pursuant to : a. Conflict of interest b. Concealment c. Breach of fiduciary responsibility ( ies ).
d. Fraud.
8-102 subsection 9 ( 9 ) " Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article.
As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement.
( 10 ) [ reserved ] ( 11 ) " Indorsement '' means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it.
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| 10/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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CFPB XXXX Complaint XX/XX/XXXX I am writing to file a complaint about XXXX XXXX and their agent servicer, Ocwen for sending me the detailed private confidential financial information of one of their customers by the name of XXXX XXXX in XXXX who appears to have applied for a loan modification from them ; they have sent me all of her personal details, name, address, social security number, bank information, income, phone number etc. etc.
This is a breach of confidentiality, privacy and a violation of Federal laws, banking and other laws by XXXX XXXX/Ocwen! As a consumer protection agency with many powers bestowed upon you, by congress, are you going to do your duty and investigate to punish XXXX XXXX/Ocwen and inform XXXX, or should I?
How many other such violations by such mailings have there been by XXXX XXXX/Ocwen? Did they send this poor woman 's private details to many others? How many others? Is this a mass mailing? Will her identity be violated even more then it already has been by this mailing at some future date? Have other such mailings about other applicants and their private data been mailed? Have they done the same with my data, will you investigate it and make sure they have not, while keeping me informed?
On XXXX XXXX, XXXX, I called CFPB to see what I could do about it, who I could complain to, and a nice lady by the name of XXXX at CFPB ( employee number : XXXX ) suggested I file a complaint with you, after she heard what I could describe to her over the phone. I was impressed with her, so I am filing this complaint, although I know better since I have filed complaints with you before and you have done nothing about it.
I have been tied up in a bankruptcy I had to jump in to when after my foreclosure I followed your RESPA rules and filed a loan modification paperwork with the judge who was misguided by the opposing attorney to rule against me and I had to file the loan modification papers according to RESPA rules by XXXX XXXX XXXX to stay the sale of my home, and the attorney representing XXXX XXXX/Ocwen was supportive over the phone as the paperwork was filled out to stay the sale of the home, but the opposing attorney failed to show up for the hearing on XX/XX/XXXX.
A retired XXXX who was brought in to attend to the foreclosure cases that the state needed to process, was visibly angry at the XXXX XXXX/Ocwen attorney not showing up for the hearing. He threw out our response and with it the RESPA regulations since he clearly did not comprehend it. It was probably new to him and he was retired ( was he even qualified to be a XXXX )???
Should n't it be against the law to bring old retired judges who are on the verge of senility and are unfamiliar with the current changes in law and rules. Could he have even met the requirements for new judges being appointed to the bench? Yet, he is passing judgements? Is this not injurious to me and others like me? Why are you not doing your duty and allowing these unjust predatory acts to take place while you fiddle your thumbs with the title of " consumer protection. '' I had no choice but to quickly grab an attorney who was lurking around with an office very close by who was willing to file a chapter XXXX bankruptcy to stay the sale of my home. I paid him his demanded flat fee and was forced to soil my credit by saddling myself with a bankruptcy for the ONLY loan amount in question to XXXX XXXX/Ocwen, which had taken me to foreclosure, even though the conditions that would require foreclosure had not been met. The foreclosure was forced upon me, as was the default, which was manufactured. I of course filed a pro-se appeal for this injustice, but it was not sufficient to stay the sale of my home, I had to go into bankruptcy.
My long experience with your organization has resulted in false hopes ; health, financial and other losses have concluded for me that you are useless, a stain on the term " Consumer Protection. '' I hope for your sake, you will do a lot more this time to modify my attitude towards you.
I started by being your biggest fan, rooting for your success all the way but then discovered through my experience with you that CFPB is useless. I had high hopes for XXXX XXXX ( a title I gifted her and all of you at CFPB that were supposed to fight for consumers, the hurt little guy by those in power with money ). She fought her various battles, launching Consumer Financial Protection Bureau, even though she was denied the directorship by a few evil men in power I was rooting every step of the way, hoping it would help the little folks like us.
I could not have been any more wrong in this matter. All of the hopes of us little people were blown, when that lawyer from Ohio was given that office instead of her. The title of Saint I withdrew from her when she stopped her follow through and all of those involved on your end, I gift you the well earned drastically opposite title by the addition of one word, " Fallen '' you know what I mean, you have earned it, perhaps you might consider seeking redemption by doing the right thing this time and help me fight this demonic evil of " Unjust Usury Eviction Predators '' practiced by XXXX XXXX.
As in the past, more than once, I know you will read my complaint, then just write a token letter to XXXX XXXX/Ocwen, and they will respond back to you with some token letter, and then you will accept their standard response forwarding it to me, and that will be that. Then you will collect these complaints from people like me, when you have enough, you will fine them, and then collect that money for your own nefarious benefits, and let Ocwen continue its dirty deeds, so you can fine them again and it can become a nice revenue source/stream for you, using our complaints.
We never get any help from you. No wonder your funding is getting cut off, and you are losing your credibility as congress considers doing away with you. Thats your well earned karma, you deserve that because of the injustice that you have dealt to us, the little guy, it is coming back to haunt youand haunt you it will, if you dont get your act together and start advocating for justice and helping the helpless. I am sure it will only be a matter of time before karma will end you. I hope and pray karma does punish you. One thing you must not forget, this destruction was caused by your own unjust, uncaring, selfish, greedy hands.
Let me introduce myself, my name is XXXX XXXX XXXX.
XXXX XXXXOcwen have slaughtered me and everything I hold near and dear to my heart, and they continue to XXXX me despite my never having done anything wrong. I have never been a day late or a penny short in meeting my unjust obligations, that I am not even sure were an obligation due to red lining and other last minute flim flams while I was in the hospital for XXXX XXXX, XXXX, XXXX XXXX, etc.
In any case, I made my " red lining '' and " ARM '' contaminated high predatory sub-prime payments to XXXX XXXXOcwen, on my home loan that was signed up by XXXX XXXX and not XXXX XXXXOcwen who is destroying my life having robbed me of my health, my home of 30 plus years having never missed a payment, put me out of business and destroyed my credit and forced me into bankruptcy. I have been battling XXXX XXXX/Ocwen for years, and they continue to financially XXXX me while you watch, using my complaints along with others to collect fines for your benefit.
I have filed two different complaints with the CFPB ( Case Number : XXXX submitted XX/XX/XXXX and Case Number : XXXX submitted XX/XX/XXXX ). CFPB is remiss in their duty of protecting me as a hurting consumer. XXXX XXXX/Ocwen keeps eating me alive and CFPB just sits back, oblivious to its duty of " consumer protection ''. There has been no follow up on my complaints, nor any follow up on the continued crimes of XXXX XXXX/Ocwen inspite of the many fines levied against them, they keep doing the same thing. Just the cost of doing business for them.
I am still here, still fighting all alone with XXXX help the financial XXXX, Ocwen and XXXX XXXX, as I cling to my home they have been trying to steal from me with 30 years of equity, even though I never missed a single payment.
Throughout this fight, I have been dealing with severe medical maladies that include XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many other dire medical conditions. The XXXX caused by XXXX XXXX/Ocwen is unbearable. I have lost my income, business, and so much time without any resolution. You have not helped me. You have no right to the title of " Consumer Protection, '' you do not protect the consumer! You allow the financial raping to continue. Never forget, Judgment Day is coming for you and others, individually and collectively for your failure to fulfill your fiduciary responsibility of protecting my interests and the interests of others like me.
After they unjustly, illegally manufactured a default to foreclose on my home and falsely forced place insurance on my home when I already had insurance and it was proven to them two different times in mediation, and they still forced placed insurance on my home after being shown the policy and still took me to foreclosure even though criteria for foreclosure had not been met. I never missed a single payment, I had to jump into bankruptcy with moments notice to protect my home and file a pro-se appeal to fight for my home, complaining to you twice, and you never helped me. They are eating up my time ( statute of limitations ) and money, blown off RESPA laws, hearings, mediations, correspondence and this transaction is no different.
They are doing this on purpose so that I wont be able to save my home. This breaching of confidentiality is their guise for ensuring they block my timeline for my appeals case which is me fighting to overthrow the unjust rocket docket foreclosure case along with other benefits to them that only you would know best, I am not a lawyer, I am grateful to GOD for not becoming a Lawyer and XXXX XXXX XXXX XXXX XXXX.
XXXX XXXXOcwen when ordered by the bankruptcy court to enter mediation with me, which they have never complied in good faith, always pulling a " fast one '' to get out of it, decided to manufacture yet another requirement of their own pulling yet another " fast one '', that I fill out many pages for a loan modification even though the appeal is not yet over, and we do n't even know if the foreclosure is going to be thrown out. How can we establish a dollar amount for a loan modification, besides why would I get a loan modification from them??
That would be like forcing a woman back to her abusive husband who has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and she has finally run away and divorced him and she is being forced back into marriage again to continue this abuse, by the abusive law and the abusive courts. How does this make any sense at all??? They are thieves and they owe me money. Look at how many times they have been fined for countless reasons ....
Dont you have some help for people like us? Im going to appeal my foreclosure, and am rapidly running out of funds due to Ocwen having robbed me clean, having to spend exorbitant amounts of money in trying to defend myself in the unjust court systems and now they want to double my payments from {$800.00} to {$1500.00}. My only income is social security which is {$10000.00}.
Can you please send me some lawyers or legal help as I continue to fight these XXXX? In the event you think my rhetoric is harsh.you try having lost the twilight of your life, having experienced irreversible health, financial, and quality of life consequences through no fault of your own.
I have attached the Loan documents of that poor woman whos privacy was violated due to XXXX XXXX/Ocwen breaking a federal law. How do I know they did n't send her my documents??? What do I do about that??
I am going to watch this case closely. Are you going to punish the pervasive, consummate criminals addicted to hurting others while stealing homes, life savings and equity, while breaking up their families and breaking federal laws in the process or have you become too much like them, feeding on their gains by levying microfines that they simply shrug of as cost of doing business?
Will you again be an accomplice in their crime as you have countless times in the past, continuing down your beaten path of hurting the fragile helpless little guy who has no where to turn? I hope you make the right choice, after all.we are only here for a short time, and you will have to answer for your choices individually on judgment day. Your titles, your fancy buildings, and your fancy offices will not protect you nor will the illusion of power that you seem to think you possess. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Let us hope you make the right choice. The right choice is to make XXXX XXXX/Ocwen permanently stop their corrupt practices and release my deed, cancel my mortgage, and release my home to me and compensate me for all my lawyer fees, business losses, loss of my health and many other losses, including loss of my time in my twilight years that I have and continue to sustain. You need to do your duty so we the little guy will no longer have our lives destroyed and I will not have to get on my knees and XXXX XXXX XXXX XXXX, each one of you, starting with the lawyer Director from Ohio who runs your XXXX operation.
It is the righteous thing to do, to XXXX XXXX, their pawns and obedient servants like you who have proven to be so in my experience with you, and that is all that matters to me under XXXX law.
I await your response to me.
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| 10/02/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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Im writing to you in hopes that you can resolve a horrible and very exhausting situation that Ive been placed in due to the direction which was provided by my mortgage company Ocwen. Ive been experiencing this situation since XXXX XXXX. This is a process that I was told from Ocwens own representatives that would take a 5 day process has now prolonged into 6 months process with no result regarding what OCWENs representatives has advised me would occur when I inquired about placing {$100000.00} on my principal payment in order to lower my mortgage payment. I initially inquired about this due to changes that were occurring in my life. Im beyond upset and disappointed with the poor handling of this matter especially because my own mortgage company Ocwen, has directed me with wrong information and has now subsequently placed me in a financial burden. The agreement and the expectation between Ocwen and I, was if I applied a {$100000.00} towards my mortgage my monthly payment would be reduced accordingly. Ocwen confirmed multiple times that this would occur. However, Ocwen has processed the {$100000.00} and has still till today has not adjusted my monthly mortgage payment.
Heres some background on this matter.
Ive been with Ocwen, my mortgage company for years with no issues no complaints. About 2 years ago when the interest was low I called Ocwen and inquired about doing an internal refinance, which I was able to do. Very smooth process. I asked at that time regarding if I would pay off a large sum on my mortgage would they modify my payments without having to go through this entire process. They advised me yes. I also asked regarding the MIP if that would be removed they advised me yes as long as I pay off 30 % of my mortgage it will automatically be removed.
Fast forward to XXXX XXXX, I contacted Ocwen once again to reaffirm that the above process is still available and Ocwen will fulfill this matter. I was then advised by Ocwens representative that my MIP will be removed and my monthly payments will be reduced accordingly. I was advised to issue the payment and state principal payment on the check then to issue a letter to the recast department requesting to modify my payment, within the letter to include loan number and my brothers name and my name and that the both of us would need to sign the letter. ( The reason for my brothers name to be added is because the mortgage is in my name and my brothers ). I was advised it would take only 5 days to process the request once the payment is made. In XXXX, I called again prior to sending the payment and the request to make sure this was accurate direction provided. Another Ocwen representative that assisted me that day advised me to send the check and the request together to the recast department because sometimes they will misapply payment so its safer to issue the check and request together in one envelope so that the request is clear and done correctly. Which made sense and this is what I did. I was also told that a representative will contact me when they initiate the payment modification process..
Im attaching my statement where you can see the amount of {$100000.00} was made on XXXX XXXX, XXXX. I waited about a week after that no call from Ocwen regarding my request however, I noticed from my account that they had processed the payment. I called the following week every day and was advised by Ocwens representative they are working on this process. Eventually after a week or two of being informed they are working on it, this didnt make sense because I was told this should only take a 5 day process and its now 2 weeks. I then called Ocwen and requested to speak to a supervisor where I was told they never initiated the request. I was one the phone with the supervisor from Ocwen who then apologized for this matter and stated he will escalate the issue and get this resolved immediately. I was on the phone with him for about an hour. He advised me that he will handle this matter and get this matter resolved. Since then, I started to call every day to make sure things were being worked on and that they were processing the request. I finally received a letter advising of the modification amount and it will take effect back dating to XXXX XXXX, XXXX. I then received another document, a Modification of Promissory Note requesting that the document is to be signed by my brother and I, as well as notarized and sent back to Ocwen by XXXX XXXX, XXXX. My brother and I fulfilled this request. We both signed and notarized the document and mailed it overnight shipping. I called the supervisor the next day and advised him that I mailed the document overnight which Ocwen should receive and that I would send him a scanned copy via email as a courtesy copy. A couple of days had past and I did not hear from Ocwen. I called to get a status and the Ocwen representative that assisted me that day advised me that the document they have on file is not signed or notarized. I advised the representative that I mailed the original copy which they should have on file and I scanned and emailed a courtesy copy both reflecting signatures and notarization to Ocwen. The representative advised he does not see that Ocwen received the original copy. As Im on the phone, I provided the representative with the tracking number. Ocwens representative stated it was sent to the wrong zip code reason they did not receive it. As I was on the phone, I could not believe this ; I then checked for myself and tracked the document which showed it was mailed to the correct address however no one signed for it so it was sent to the postal service where an Ocwen representative then signed and picked up the document. At that point, I requested to speak to a supervisor. I explained the situation to the supervisor, who realized it was an error on their part, reassured me they will take care of this and my mortgage payment will be reduced accordingly. The supervisor also, advised me its the weekend however, someone in another department has the document however, it has not been scanned into their system. Stated she will reach out to that representative on Monday and assured me not to worry they are in the process of lowering my mortgage payment and this matter will be resolved. I thanked her. She continued to update me that week and assure me that they are working on this process and soon will be lowering my mortgage payment accordingly per the Promissory note. On Saturday XXXX XXXX, I received a call from the supervisor, advising me they are unable to process the request as a law had passed which does not allow Ocwen to process the request.
I couldnt believe what Ocwen had advised me after all the reassurance and time this process has taken. My brother and I have been planning for this day for years. We worked hard to save and come up with the {$100000.00} to pay on our house as I knew at one point he would move one and get married and have his own house and bills to pay and he would not be able to contribute to the mortgage and bills anymore. We both knew that I was unable with just my income to keep paying {$1800.00} with other bills and taken care of the family. We always contributed together to make sure our bills and mortgage were paid and our family were taken care of. The day for him was approaching and thats why I started to inquire regarding the payment modification and MIP removal. He was closing on his house in XXXX. We thought we would get this process started and this process would be completed by XXXX, which in turn would give me a month to save some money to start taking over and paying the bills on my own with no financial burden as we thought the mortgage would be reduced by a substantial amount, an amount that I would be able to handle and continue with our normal day to day lives without being in a financial burden. Ocwen has directed me and provided me with false information this entire time and to them it has not caused them any harm but has caused my family my brother and I in a whirl wind of financial problems.
My brother and I could not believe this has just happened to us. My own mortgage company Ocwen, has directed me with wrong information and has now subsequently placed me in a financial burden. The agreement and the expectation between Ocwen and I, was if I applied a {$100000.00} towards my mortgage my monthly payment would be reduced accordingly and the MIP will be removed. Ocwen confirmed multiple times that this would occur. However, Ocwen has processed the {$100000.00} and has still till today has not adjusted my monthly mortgage payment.
I didnt know what to do my entire life came to a stop in hopes to fix this problem I called my Senators office and was advised to forward them all the information as I am doing here but not with this much detail. The Senators office then filed a complaint with what they advised me is the XXXX XXXX or the XXXX XXXX XXXX in hopes this matter would be amended. I waited for almost another 2 months to two and a half months to obtain a response from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at Ocwen. ( Ill attach the response ) .For the first time in this entire response was I ever notified that the MIP was unable to be removed due to the explanation she provided as well as advising the Modification of Promissory Note was sent to my brother and I prematurely, as we had not received investor approval.
Why couldnt the Ocwen representative advise me when I inquired on XXXX XXXX, XXXX, that I should initiate my request initially so a representative could confirm if a recast could actually be done and then issue the payment? If I knew of this outcome I would have never initiated this process and issued a check in the amount of a {$100000.00}. I would have set aside some money from the {$100000.00} in order to make payments on my mortgage and invested the rest in order not to be in the situation that my brother and I are in today. XXXX XXXX stated that the Modification of Promissory Note was sent to us prematurely, as Ocwen had not received investor approval. If this so and was a mistake on Ocwens part then the {$100000.00} should not have been processed. Rightfully, the {$100000.00} should be credited back if this was truly a mistake. This is a prime example that everything that was advised to me upon the direction of Ocwens own representatives was done prematurely. This is not fair and I find this to be outright ILLEGAL and FRAUD.
Even before filing this complaint I thought let me try and contact Ocwen if they can do an internal refinance considering this situation. I called Ocwen on XXXX XXXX, XXXX in hopes that Im able to do an internal refinance and waive the closing costs considering this entire process. I was advised that I do have the option for such and was directed to speak to a financial representative at XXXX XXXX XXXX XXXX who Ocwen directed me to. When I explained the situation to that specific representative for the first time ever during this entire process was I advised that the MIP is unable to be removed just as XXXX XXXX stated in her response. This gentleman knew what he was advising and I credit him for that. If this was advised to me previously I wouldnt be in this situation. He also couldnt believe that my monthly mortgage payment was not lowered and the handling of this matter. He stated to me he never heard of such a thing. I inquired if there was anything he can do in hopes to assist me. I explained to him the situation of my financial stance at this point along with my brothers and the debt to income scenario. He advised then a regular refinance will not work as he will have to run our income and financials and if theres a debt to income situation then that option will not work. He advised me he has another option which is a streamline refinance where a request for financial records is not requested and the debt to income will not be a factor. However, my interest will increase dramatically from 3.875 % to possibly 5 % maybe more. The MIP will stay however, even with stretching my mortgage out to 30years from 22years where its at now and closing cost which are not waivable and ranges from $ XXXX ( which will cause an increase on what I owe on my principal at this point ) will only save me roughly {$200.00} a month on my mortgage payment. I thanked him for his advice and explaining this matter to me thoroughly.
I did not find this to be a rectifiable option for me. I will be adding more onto my principal, stretching out my loan back to 30years and increasing my interest from 3.875 % to 5 % if not more.
When the Senators office received the response from XXXX XXXX they as well could not believe the response. I was advised from the XXXX XXXX to file a complaint with your Department Consumer Financial Protection Bureau.
I am pleading with you for a resolution to this entire ordeal which Ive been going through with Ocwen, since XXXX XXXX of XXXX. This has been handled incorrectly from the start and has been very excruciating process to deal with. Every one of my conversations with Ocwen is recorded, you can request phone conversations if you are able to. I hope and plead that you are able to assist me in this entire matter and find an amicable resolution to this entire ordeal.
I truly apologize for this long drawn out complaint but I wanted to express everything that Ive dealt with because of this matter.
Thank you, XXXX and XXXX XXXX XXXX be attaching the response from Ocwen, mortgage statement where it shows the {$100000.00} was processed, an email where I inquired about the MIP and the signed and notarized Modification of Promissory Note.
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| 10/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XXXX/XXXX/XXXX, I, XXXX XXXX, XXXX, XXXX XXXX, signed a Deed of Trust in favor of XXXX XXXX XXXX, for the purchase of my home. Ocwen Loan Servicing, LLC., on behalf of XXXX XXXX XXXX XXXX XXXX XXXX took over servicing of the loan. I never received correspondence from XXXX stating that the loan was sold. My problems began XXXX when Ocwen returned payments of XXXX, and XXXX that was sent by myself to catch up arrearages due for my mortgage. When I called Ocwen 's customer service, I was told that their policy was anything over XXXX days past due was referred for foreclosure, and payments were received on day XXXX, and therefore refused, and returned. I requested a copy of their policy, as it was not posted on their website, nor was posted on any of my closing paperwork. They refused to provide the policy. However, they stated that I could apply for a modification, but the foreclosure process would proceed until an offer was given to me. I applied for the modification, and was sent an offer dated XXXX/XXXX/XXXX where the first page of the offer stated that the payment was going to be $ XXXX. On the second page, it stated that the initial down payment was to be XXXX, due XXXX/XXXX/XXXX, and monthly payments were going to be $ XXXX starting XXXX/XXXX/XXXX, which would bring the account current. And, a remaining balloon payment would come due XXXX/XXXX/XXXX, with no discriminate number for the balloon payment. I put in several calls to Ocwen requesting a scheduled appointment with a 'relationship manager ', which was scheduled for XXXX on XXXX/XXXX/XXXX, to explain to me what payment I was to send with my paperwork since there was conflicting information, and to also explain the balloon payment. I did n't receive a call back as requested. I called again, and reset a scheduled call that was to take place XXXX/XXXX/XXXX. No call was received. I signed, and sent the paperwork over to the fax number provided anyway, but did not send a payment because I did n't know what amount to send. The next correspondence I received from Ocwen was on XXXX/XXXX/XXXX, requesting a new XXXX XXXX. Ocwen proceeded to send me requests for paperwork already received, stating they were re-starting the modification process since I did not return the paperwork, and payments by the due date. In the meantime, they filed for foreclosure that was scheduled for XXXX. Ocwen continued to ask for paperwork they already received, and so I filed joint XXXX XXXX bankruptcy with my now XXXX that went into effect just before the foreclosure date in XXXX. I filed for divorce in XXXX. Payments were made in full and on time of XXXX until XXXX, when my XXXX XXXX was found to not be paying his portion of the trustee fee. I was advised by my bankruptcy attorney at the time to not make payments, as I was going to be refiling a single Chapter XXXX bankruptcy through the XXXX XXXX XXXX, and back payments would be included in my bankruptcy, to allow me to afford my attorney. My new bankruptcy took place in XXXX. However, my trustee fee was triple what I was originally paying in the joint bankruptcy, and I could not afford both the mortgage payment, along with the trustee fee, and I was ordered to care for my XXXX XXXX children, as well as my own, totaling XXXX children in the home at the time. As well as it took me almost XXXX years to have child support ordered through the courts due. I again applied for a loan modification through Ocwen, with the assistance of XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. My point of contact at XXXX, XXXX XXXX, attempted to submit, and resubmit, all requested paperwork to Ocwen from XXXX, almost on a monthly basis. Ocwen had completed packages, per XXXX XXXX, on numerous occasions, yet continued to request the same paperwork again, and again. Thus, putting me further, and further behind on my mortgage, as they would not accept payment during this time. Throughout this entire time, Ocwen did not refuse a modification. However, did not offer XXXX, and only kept requesting documents that were already received, and confirmed. Ocwen finally filed a motion for XXXX of XXXX in my bankruptcy, XXXX, which was granted XXXX. I re-filed again, a complete modification package with Ocwen XXXX, and sent over requested additional paperwork XXXX. Ocwen would not speak with me directly regarding the new paperwork, stating that they needed a release from my bankruptcy attorney to do so, despite the fact that they received the relief of stay in the bankruptcy. I chose to re-enlist the services of XXXX XXXX/XXXX/XXXX. I received a notice from Ocwen that I had until XXXX/XXXX/XXXX to bring the account current, or they were filing for foreclosure. My bankruptcy attorney had to re-send the authorization XXXX times before Ocwen finally agreed to speak with me. On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX 's local XXXX, CO attorney 's, XXXX and XXXX, filed a Verified Motion for Order Authorizing Sale Pursuant to Rule 120, Colorado Rules of Civil Procedure. I was informed by service that my initial foreclosure sale date was to be XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX XXXX court granted the motion for sale. However, Ocwen chose to not act on this order. Instead, Ocwen continued to correspond with me through regular mail, and email regarding my modification request ( dual tracking ). Ocwen continued to consistently request the same documents over, and over again, despite having complete packages. I was told that my relationship manager was XXXX XXXX. During this time, XXXX was having difficulty communicating with Ocwen, as they stated that they did not have an authorization from me to speak to them, even though that was part of the paperwork that had been sent over. I began contacting Ocwen 's modification department directly, have had numerous monthly phone contacts with Ocwen, ( I have detailed notes of who, and when I spoke with in their modification department ), and was never able to speak with XXXX XXXX because she was always on another line ( no single point of contact ). I finally called XXXX 's local attorney 's office, XXXX and XXXX on XXXX/XXXX/XXXX, and spoke with XXXX, their paralegal. When I told her the problems I 've had with their client, XXXX immediately set out the foreclosure date for XXXX/XXXX/XXXX, and sent an email to Ocwen for them to reflect the new date. I then continued to contact Ocwen, and spoke with several different people who stated that they still saw XXXX/XXXX/XXXX as the foreclosure date. On XXXX/XXXX/XXXX, I received a modification denial letter dated XXXX/XXXX/XXXX. The denial letter stated that the only reason for denial was because it was within XXXX days of the foreclosure sale date, which was actually pushed out. I contacted XXXX at XXXX and XXXX once again, and she again pushed the foreclosure date out to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I then chose to enlist the services of XXXX XXXX XXXX, Attorney at Law, who attempted to request a copy of my file from Ocwen, to no avail. Concurrently, XXXX and XXXX filed on behalf of XXXX XXXX XXXX XXXX XXXX, a motion for an Amended Notice of Hearing XXXX XXXX hearing from XXXX and XXXX, dated for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, Ocwen sent correspondence acknowledging my " Request for Mortgage Assistance '', again claiming that additional documentation was needed. On XXXX, XXXX, the hearing was re-set for XXXX/XXXX/XXXX. Ocwen then sent another modification packet insisting that regardless of the previous packet received, that I needed to fill out a new packet. That packet, along with all required documentation was delivered to Ocwen via my attorney, and XXXX and XXXX on XXXX/XXXX/XXXX. The hearing scheduled for XXXX/XXXX/XXXX, was vacated, and re-set for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I finally received a 'Streamlined ' Mortgage Assistance offer dated XXXX/XXXX/XXXX, for XXXX trial period payments of XXXX to be made no later than the last day of XXXX. XXXX, and XXXX. However, the agreement had to be signed, and received no later than XXXX/XXXX/XXXX. There are no terms, interest rates, or anything detailing an itemized plan for the modification attached. Also, the paperwork lists XXXX XXXX as my relationship manager. I attempted calls to Ocwen, to speak with XXXX XXXX, because the payments are actually higher than what I was originally paying, and I can not afford the trial payments, hence the application for a modification in the first place. As well as wanting an explanation as to what the terms and conditions of the modification was going to be before I signed any paperwork, or sent any payments, putting myself automatically into an agreement that I was not able to afford, or know the terms to. I was continuously informed that they could not speak with me because I was represented by an attorney, On XXXX/XXXX/XXXX, my attorney sent over a letter to XXXX and XXXX, requesting them to forward to Ocwen, his permission to speak with me directly regarding anything to do with the modification, along with both my XXXX modification offer, the new trial payment plan offer as attachments. On XXXX/XXXX/XXXX, I contacted Ocwen 's modification department. Again, I was told that they could not speak with me directly, and to call my NEW relationship manager, XXXX XXXX, NOT XXXX XXXX, at a direct line ( which I 'd never been provided before ). I immediately called the number given, and left a message. My call was returned by XXXX later that afternoon, and again reiterated that he could not talk to me because of being represented by an attorney, and that they never received any letter from their attorney 's. He told me to fax or email the letter, and give him a couple of days to update the account. I emailed it immediately, and received a email notification from Ocwen 's modification department that it was received. I called to follow up on XXXX/XXXX/XXXX, and left a message for XXXX. After not hearing back for days, I, again called on XXXX/XXXX/XXXX, and left another message for XXXX. I called again on XXXX/XXXX/XXXX, and left another message for XXXX. On XXXX/XXXX/XXXX, I finally received a call back from XXXX stating that the trial payments had increased because it 's based off of XXXX XXXX of what the home is currently valued, as well as the loan to value, and what is now currently owed in arrearages. I explained to him that I can not afford to continuously make the trial payments after the XXXX months, as long term, they are not affordable, and why I requested a modification to begin with over XXXX years ago. I requested for him to send the terms of the modification, so that I know what agreement I would be entering into after the trial payments. He said that he can not do that, because I 'm required to make the trial payments first. I explained that I did n't want to enter blindly into an agreement that I do n't know what the terms are going to be, nor a payment plan that I may not be able to afford long term. I also explained to him that I would not be in this situation to begin with, had Ocwen honored my payments in XXXX, honored their modification agreement that was originally offered to me in XXXX, as well as their constant dragging out the modification requests for the last XXXX years. I first asked for him to send the modification back up to underwriting to re-evaluate the trial payments, in which he refused stating that this was the best offer I was going to get, and that he would deny the modification offer. I told him if he was n't willing to help me as my 'relationship manager ', to connect me to a supervisor. He placed me on hold, and came back to tell me that his supervisor was busy with another customer. I asked for her name, and he gave me XXXX XXXX. He said he spoke with her briefly, and that they would escalate my file back up to underwriting for review, and to follow up with him the following week. On XXXX/XXXX/XXXX, I attempted to follow up, but had to leave a voice mail. On XXXX/XXXX/XXXX, XXXX called early in the morning, and left a voice mail. I called him back later that morning, and his voice mail stated that he was out of the office until XXXX/XXXX/XXXX, and that an XXXX, at another number, would be taking his calls until he returned. I called the number for XXXX, and his voicemail stated that he was out of the office until XXXX/XXXX/XXXX ( which had passed ), and that a XXXX, at yet another number, would be taking XXXX 's calls. I left a detailed message on XXXX 's voicemail regarding follow up on my modification. I also called the number for XXXX, who 's voicemail said he, too, was out until XXXX, and also left a detailed message regarding follow up on my modification. I received no return calls until XXXX/XXXX/XXXX from XXXX. I was n't able to answer the phone, so he left a message. I returned his call that afternoon, but received his voicemail. I left a message, and am still awaiting a return call. Ocwen is in violation of several Colorado state consumer laws, neglectful account management, potentially fee stacking, not applying payments properly, and other predatory lending practices.
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| 06/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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The only duplicates those looter organizer refers to is refusing to reply Violating the US Privacy law and encouraging identity theft Organize death treats since thise criminals had private information only from Ocwen nobody else and the treats are coming from XXXX I will never get scared I will bring justice against those criminals I would like to REPEAT that XXXX XXXX XXXX defrauded my family and sold a mortgage to another institution knowingly that FRAUD was involved making this transaction ILLEGAL.
Ocwen must take seriously in consideration that Since the FRAUD was confirmed in writing the sale of this mortgage to Ocwen is null and void. XXXX XXXX XXXX must take back this mortgage clean it up and after all garbage is removed from this mortgage only than XXXX XXXX XXXX can sell this mortgage or settle it with my family. Any other action will only create series legal consequences for an abused and disrespectful bank that abuse the legal and the banking system when defraud family as is the case with me.
SINCE THERE IS FRAUD INVOLVED PLEASE DO NOT ALLOW ANY FORCLUSURE TO GO ON AS I AM DETERMINED TO SAVE MY HOUSE BUT NOT THE FRAUD OF XXXX/XXXX XXXX XXXX.
Please no longer disregard my letter since reflects real info back up by real documents. If indeed you want to resolve the dispute started intentionally be a very abusive bank all you need to do is read proper all my letters and take it in consideration. Ignoring it will create even more confusion.
SEC will get involved too. Your Institution should avoid the abuse of XXXX XXXX XXXX and try to clarify this abuse before issue any letter. XXXX/XXXX XXXX bank needed ONLY to cover up the FRAUD. I continue to receive many letters from you Institution that IGNORE the dispute pointed out many times and in return you send me very confusing info not related to my case. With each letter the monthly payment is seriously inflated and reflect taxes and insurance for one year to be paid each month so in one year you ask me to pay taxes and insurance for 12 years!!! I mention very clear that first we must solve the abuses done by XXXX and then we can discuss the Modification or HARP. Otherwise through your action you are asking me to accept all abuses and massive overcharges and this will never be done. Regarding XXXX I confirm that regardless of the final resolution we are bringing this bank to Court.
As per my husband conversation with one your Rep below you will get AGAIN an explanation for the abuses. A copy of this Doc will be sent to office of NYS Banking Department for the abuses of XXXX since there is a massive overcharges to my account and we must solve the differences first. Also I am determined to save my house even if we go to any Court. I need help in solving the dispute intentionally generated by XXXX/XXXX XXXX Bank in order to generate profit before they went bankrupt due to Criminal and Fraud activity. I am sure we are going to prove this in the Court soon. As for the Ocwen is giving the FALSE impression that Ocwen purchase this account before XX/XX/XXXX which it totally false. The account was purchase on XX/XX/XXXX. In one invoice the monthly payment is {$6000.00} and in another is {$3300.00}!!! It is clear that there is a luck of communication in your Institution as is not possible to have too many incorrect invoices reflecting only abuses nut real amount. It is very clear that with each new letters received from you all facts are more confusing than necessary. Your our institution explain the situation point by point in the XX/XX/XXXX letter but this was only a theoretical presentation, that do not solve the abuse and fraud done by XXXX. Please no longer use such letter as a response since this is NOT THE CASE. I made it very clear that XXXX/XXXX XXXX XXXX defrauded my family as well as your bank. Your Bank ignored completely all my correspondence, WHY?? I prefer to have a face to face meeting with you and present you documents and you will see how this XXXX defraud people. How your Institution is helping me when in your last invoice for example the interest is {$30000.00} and this is very much overstated. The abuse is very clear since XXXX tried to overcharge me in one year a total amount for taxes and Insurance equivalent to 12 year. So for the rest of the mortgage your bank wants now to charge me a total of 269 years of taxes and insurance!!! Translate in dollars your Institution now if I make the payment will charge me the equivalent of 400 % the entire cost of the Mortgage Note and this is like paying for 4 houses at the same time. This is exact what your Institution inherited from XXXX and tried to overcharge me NOW. WHY?? You address this issue in your XX/XX/XXXXletter????? / This is abuse and fraud not theory mention in your letter. It is very clear now that either your Department did not read any of my correspondence or simply ignore them. This is abuse and fraud not theory as mention in your letter. Each week I receive letters from you that present each time more confusing facts and clear indication that your Institution does not want to solve the dispute even if I comply with your request to answer within 30 days period of any dispute when you sent me the first massive overstated invoice. I received the invoice and it is very clear that all my correspondence sent by me are ignored constantly. Interest claimed by you in your last invoice is {$340000.00}!!! This is completely wrong since your monthly calculation is different in each document. XXXX/XXXX XXXX XXXX defrauded my family as well as your bank that is more serious than DISPUTRE. I hope this letter will give you a clear picture of the abuses not to mention that I do have a few extra doc. proving the fraud done by XXXX XXXX XXXX. We NEED TO SOLVE THE DISPUTE FIRST. I WILL EXPLAIN AGAIN BELOW SO YOU CAN UNDERST HOW CONFUISING IS YOUR LETTER THAT clearly indicate the creative accounting preform by XXXX in order to defraud my family. The only way you can understand the situation is clearly having an open conversation and not only can we prove 100 % that our information are accurate but you will understand how XXXX defraud families of their properties and this must STOP A.S.A.P. In order for you to understand the massive abuses done to my family INTENTOIONALY by XXXX XXXX XXXX/XXXX that not only defrauded my family but your bank too please read carefully this letter. In my XX/XX/XXXX letter I stated very clear the abuses done by XXXX XXXX XXXX/XXXX that LIE in ever doc. sent to your Bank. On XX/XX/XXXX I received a letter from your bank confirming that XXXX transferred my mortgage XXXX : XXXX as of XX/XX/XXXX to your institution. Your Bank asked me to confirm the outstanding amount of {>= $1,000,000}. THIS IS FALSE. Also in that letter you Bank stated that the amount due was {$560000.00} ( THIS IS FALSE AGAIN ) from which {$320000.00} ( includingXX/XX/XXXX represents interests unpaid for 63 months or 5 years and 3 months ) as well as an Escrow amount of {$100000.00} all-inclusive up to date of XX/XX/XXXX ( also 63 months or 5 years and 3 months )!!!. The Escrow account statement in my possession show a large surplus but in your doc it show only a surplus of {$3000.00}!!!!! How can you have a surplus if the account was not paid for 63 months??? In XX/XX/XXXX I tried to make payments and the Special Department of XXXX/XXXX XXXX XXXX call me 4 times telling me that I was not allowing to make any payment until the account situation would clear ( Was in a selling process since XX/XX/XXXX!!!! ) As requested by your Institution I confirmed my DISPUT within 30 days from XX/XX/XXXX. I also got a letter from XXXX dated XX/XX/XXXX, confirming the fact that for 63 months includingXX/XX/XXXX, the balance is {$430000.00} ( see attached XXXX Doc ) instead of {$560000.00} as claimed be Ocwen bank. Only from those outstanding balances I TOTALLY DESAGREE with the amounts. Your bank OVERSTASTED the amount documented by XXXX/XXXX XXXX XXXX by {$120000.00} XXXX 30 % ). Also XXXX/ XXXX XXXX Bank tries desperate to inflate the amount by {$150000.00} or an extra 35 % from the real outstanding balance that also includes fraud charges of {$24000.00} paid at the closing to get a fix rate and so on!!!! This means that Ocwen Bank inflates the outstanding balance by {$250000.00}!!! ( 46 % extra ) WHY??? FACTS : According with XXXX /XXXX XXXX XXXX the interest balance is {$320000.00}. This means that I did not pay for 94 months, not 63 as is officially mention in both letters from XXXX/XXXX XXXX XXXX as well as your bank. Since the monthly interest payment mention in your documents is {$3400.00} multiply with 63 equal {$210000.00} Your bank tries to charge me an additional 48 % ( OVERCHAGE ) of {$100000.00}. In XX/XX/XXXX the rate was only 3 % ( I have proof ), but your documents show a rate of 3.375 % increase by 0.375 % or an extra charge per month of {$380.00}. So, from XX/XX/XXXX until XX/XX/XXXX there are 50 months multiply with {$380.00} equal an OVERCHARGE ( EXTRA ) of $ XXXX.We also paid at the closing an amount of US XXXX for a discount rate of 5 % nothing else. XXXX intentionally change the rate by 0.875 % which increases the monthly payment by over $ XXXX.so for 38 months an overcharge of {$34000.00} 1 ) It is clear that XXXX/XXXX XXXX XXXX use a CREATIV ACCOUNT Done by one of their painters not accountants so they can create a false impression of the unpaid balance.
2 ) On the Escrow account is mention an outstanding balance of {$100000.00} including XX/XX/XXXX. In the Escrow account is included amounts paid for taxes and for insurance. Since my taxes per year are around {$10000.00} and the Insurance is only {$1400.00} the total per year is only {$12000.00} and for 63 months the total amount is XXXX = {$1000.00} per month multiply with 63 months equal {$63000.00}. According with your calculation and XXXX/XXXX XXXX XXXX the outstanding balance is {$100000.00} or 103 months of unpaid escrow. So your bank and XXXX XXXX XXXX XXXX calculate an extra profit of 64 % or OVERCHARGE of {$40000.00}. You make your own conclusions.
3 ) Also in your statement is mention an overpaid amount of {$3000.00} in the escrow account!! All this for 63 months!!! How can you have an OVERPAYMENT in the ESCROW account OF {$3000.00} unless there is a creative accounting done intentionally by a bank that defrauded my family starting with the day when the closing took place?
4 ) All information provided to you by XXXX/XXXX XXXX XXXX are FALSE as this bank sold an account purchased from FDIC for only 8 % ( I can give you concrete information ). XXXX/XXXX XXXX XXXX made a profit in one year of 900 % of the face value. Not to mention that they seriously overcharge your bank when they sold in such a rush their account thinking that they are out of any liability. They are totally wrong. Adding all those amounts that OVERSTATE THE outstanding balance ( see above explanation ) we have the following : $ {$250000.00} plus {$100000.00} in interest plus {$19000.00} in interest plus {$34000.00} in interest and {$40000.00} in escrow we have an OVERCHARGE of {$450000.00}. All explanation prepared by a former bank Controller.
I kindly ask you again for support in order to solve the dispute as we are determined not to absorb the abuse of XXXX. If your institution is interested in solving this issue I am sure we can find a solution. I prefer to settle the account so we can close it. Other issues that needs clarification please see : 1 ) The closing was done over my house and the agent came at XXXX driving 30 miles. Since was a big storm coming the closer rush us in order to avoid the storm.
2 ) The mortgage Note implanted on the date of closing include facts never discuss with me like the rate of 5.875 % fixed for 4 years and also interest only!!!! According with this doc in XX/XX/XXXX the rate will be adjustable ( interest only ) until XX/XX/XXXX!!!!! In XX/XX/XXXX the rate was 3 % only but your doc show a rate of 3.375 % increase by 0.375 % or an extra charge per month of {$380.00}!!! So from XX/XX/XXXX until XX/XX/XXXX there are 50 months multiply with {$380.00} equal an OVERCHARGE of {$19000.00}!!!
3 ) We also paid at the closing an amount of US XXXX for a discount fix rate of 5 %. The difference in rate of 0.875 % increases the monthly payment by over {$900.00}. 38 moths overcharge of {$34000.00}!!!
4 ) These conditions were never discussed with me during the negotiation process.
5 ) Since XX/XX/XXXX XXXX refused to investigate and help me clear the abuses done by them for so long.
6 ) My husband was told that the mortgage pay is interest only for 2 years, a day later was for 5 years and finally another day later for 10 years with prepay penalty for 3 yr. or 5 yr. Whats the situation?
I prefer to settle this account and close this chapter since the abuses of XXXX XXXX XXXX is going to drag your bank and tarnish your reputation too in the Court system
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| 04/23/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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To whom it concerns, I am filing a complaint about our mortgage loan servicer, PHH Mortgage ( XXXX ) in XXXX XXXX XXXX In summary, for our VA mortgage, PHH has mislead us, resulting in financial hardship on us, and also PHH failed to pay our homeowners insurance timely, resulting in financial hardship on us.
First complaint, PHH provided inaccurate information, which led to at least 10 months of paying an excessive amount of principal balance outstanding.
XX/XX/XXXX : Purchased house with {$510000.00} loan originated by XXXX XXXX XXXX Confirmed with XXXX XXXX XXXX that it would be possible to make a lump sum payment after our old house had sold and reduce the monthly payment accordingly.
Between XX/XX/XXXX and XX/XX/XXXX : I spoke with a PHH Customer Service Representative. First, I requested they correct our address, which they did. I asked if we could make a large lump-sum payment that would be applied to the principal balance outstanding. They confirmed. I asked them if we could reamortize the mortgage to match the lower principal balance outstanding. They said yes, the process is called " recasting. '' Recasting would mean no change to the interest rate, no change to the maturity date, and said that the request was subject to investor approval. They also told me that I should submit the request to their ARMs department, that I needed to make the request within 180 days of the funds posting to the account, and that it would take 10 days to process. There would be a form we would have to sign and have notarized and return. At that point it would take an additional 5 days to execute the agreement. They provided me with wiring instructions. Note : at no point, although the CSR was looking at our account, did they tell me that VA loans are not eligible to be recast.
XX/XX/XXXX : {$300000.00} wire received by PHH Mortgage and applied to our principal balance outstanding. XXXX XXXX : {$210000.00}. New monthly payment should have been approximately {$1100.00}, a reduction from our current amount of {$2300.00}.
XX/XX/XXXX : First monthly payment of {$2300.00} received by PHH Mortgage and applied correctly to our account.
XX/XX/XXXX : I spoke with a PHH Customer Service Representative. They confirmed the receipt of both the wire and the first monthly payment. I confirmed the instructions on how to request the recast. Again, at no point did they tell me that VA loans are not eligible to be recast. I immediately followed the instructions ( see email thread below ).
XX/XX/XXXX : Email received from PHH ( see email below ) stating that VA loans are not eligible to be recast.
Customer XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX PM Dear XXXX and XXXX, This is to confirm the payment of {$300000.00} was received and applied towards the principal balance on XX/XX/XXXX.
Please note the account is a Veteran Affairs ( VA ) account and VA accounts are not eligible for a recast.
For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday Friday XXXX XXXX ET PHH Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX late XXXX, XXXX : Second monthly payment of {$2300.00} paid XX/XX/XXXX : Desperate for relief, I emailed the VA to find out what our options were. XXXX XXXX from the VA called me back to say that there are two : to be eligible for the first, your interest rate must be high enough that the mortgage servicer can drop it by at least half a point. Ours is at XXXX so that is not an option. The second is a new VA loan " rate and term '' where the servicer does what we requested in the first place, adjusting the monthly payment to the new principal balance outstanding, keeping the interest rate and the term of the loan the same. Unfortunately, and this is what I wish the servicer had told us beforewe paid off over half of our originated amount before our first monthly payment was due, the VA prohibits this from being done within 6 months of the first payment being made. In addition, PHH is permitted to charge us reasonable fees for this option. If you've seen the news, you'll know that PHH has been sued last year and this year by multiple state attorneys general for charging unreasonable fees.
late XXXX, XXXX : Third monthly payment of {$2300.00} paid. Note that {$1600.00} of that went to principal, which means that we are paying about {$500.00} more per month in principal more than our total monthly payment should be.
late XXXX, XXXX : Fourthmonthly payment of {$2300.00} paid late XXXX, XXXX : Fifthmonthly payment of {$2300.00} paid late XXXX, XXXX : Sixthmonthly payment of {$2300.00} paid. At this point, if we keep up paying this amount each month, we would pay off our 30 year loan in 109 months ( 9 years ).
XXXX XXXX, XXXX : Filed complaint with State of Wyoming. In response to this part of the complaint ( see Response PHH XXXX document ) PHH offered to return our {$300000.00}. I responded to the State of Wyoming with the below, but because this is out of their jurisdiction, they could not provide further assistance. They mentioned that I could complaint to CFPB.
XX/XX/XXXX, Response to State of Wyoming about PHH Offer 1 : I have spoken with the VA. PHH is correct, that VA loans are not eligible to be recast. If only they had bothered to be correct back in XXXX. But moving on from that, their first offer at resolution is moot. Everyone now knows that our mortgage can not be recast. However, VA loans are eligible for a " rate and term '' function. Basically it is the same as a recast. The rate remains the same. The term remains the same. The amount billed per month is adjusted to meet the current principal balance outstanding. So for example, in our case, our rate would remain the same, the term ( originally 30 years ) would remain the same, and the payment billed per month would be based on approximately {$200000.00} instead of {$510000.00} principal balance outstanding. That is what I requested to be performed as soon as our loan was eligible, as it should be because we have made 6 monthly payments on time for the full amount. The key difference is that I requested for the " rate and term '' to be done without any fees paid by us ( either out of pocket or by folding the fees into the principal balance outstanding ). According to the VA, the " rate and term '' is permitted to be done with reasonable fees being billed. The recast is done without any fees. I am requesting PHH honor their original statement of adjusting our payment amount without any fees being paid by us. It should not matter whether it is called a recast or a " rate and term '' - the concept is the same, the difference is in the name and whether PHH will bill us fees ( recall that the class action lawsuits against PHH are for excessive fees ).
XX/XX/XXXX Response to State of Wyoming for PHH Offer 2 : Returning our {$300000.00} to us would trigger reamortization of the 6 monthly bills we have paid, radically reducing the amounts applied to principal balance outstanding and radically increasing the amount of interest paid, padding PHH 's bottom line and leaving us on the hook for XXXX XXXX and XXXX XXXX dollars more interest over the life of the XXXX we will pay from having made the initial lump sum payment. I reject their unbelievably self-serving offer.
Note that the calls PHH made to my phone were identified by my caller id as being made from phone numbers XXXX XXXX XXXX XXXX XXXX XXXX '' - numbers that are identified with spam calls. I am glad I did not take the calls because I'm sure they would have pressured me to make a choice that would harm myself and my husband. Also, their website is " www.mortgagequestions.com '' which does not give me any confidence in their company.
Late XXXX, XXXX : Seventh monthly payment of {$2300.00} paid Late XXXX, XXXX : Eighth monthly payment of {$2300.00} paid XX/XX/XXXX : I emailed PHH Mortgage to inquire how much the fees would be to have the new rate and term loan their emailed response said I needed to call their phone number to discuss.
Late XXXX, XXXX : Ninthmonthly payment of {$2300.00} paid Late XXXX, XXXX : Tenthmonthly payment of {$2300.00} paid XX/XX/XXXX : Called PHH to discuss the new rate and term loan. I spoke with XXXX, who answered my call, and then forwarded me to an escalation manager XXXX, PHH agent # XXXX. Neither XXXX nor XXXX knew what a rate and term loan was so I explained it to both of them, and I clarified that VA loans were not eligible for recasting. Neither seemed to be aware that VA loans were not eligible to be recast, nor of the rate and term loan. XXXX confirmed that PHH received {$300000.00} on XX/XX/XXXX. He referred to the letter triggered by my complaint to the State of Wyoming in which PHH offered to return the {$300000.00}. I said emphatically that I do not want PHH to return the funds. He said that he did not see any options for VA loans to reduce the monthly payment. He consulted with the resolution team and confirmed that there are no options for VA loans to reduce the monthly payment, and that I would need to send them a written copy of the policy if such an option existed.
XX/XX/XXXX I emailed XXXX from the VA with the update. In response she left me a voicemail. According to the VA : Rate and Term loans do exist, we have met the seasoning requirement, and this option would be appropriate in our case. Also she said we do not have to stay with the same mortgage servicer.
*************************** Second complaint, PHH did not pay our homeowner 's insurance. State of Wyoming was able to resolve this complaint but I still want this to be on record with CFPB.
XX/XX/XXXX : Purchased house. Homeowners insurance was XXXX. Homeowner 's insurance was paid to XXXX at the closing table.
XX/XX/XXXX : Changed homeowner 's insurance to XXXX XXXX in XXXX. XXXX XXXX said they would bill PHH and we provided them with PHH 's contact information and our mortgage account information.
XX/XX/XXXX : Spoke with PHH Mortgage Customer Service Representative. Notified them that we changed from XXXX to XXXX XXXX. Inquired about the escrow account not having enough money to pay the homeowners insurance. CSR told me that PHH will pay XXXX XXXX the homeowners insurance bill even though the escrow account would go negative. The annual escrow analysis would fix the issue when that was performed.
XX/XX/XXXX : Received notification that PHH had not paid our homeowners insurance.See first attachment, file name ending in XXXXImmediately emailed PHH ( see email thread below ).
XX/XX/XXXX : Without any confirmation from PHH that they were going to pay the bill from the email thread below, and knowing that the policy would be cancelled XX/XX/XXXX, I went to XXXX XXXX in XXXX. They confirmed that PHH had not made any payment. I paid my homeowners insurance : {$1500.00} XX/XX/XXXX, 5 days before the insurance was scheduled to be canceled and a day after I paid it myself, PHH mailed me the notification that my insurance policy expired, and that they would purchase coverage on my behalf. First page of the letter is shown in attachment with file name ending in XXXX XX/XX/XXXX : With three days to go before the insurance was scheduled to be canceled, PHH mailed me notification that the insurance status was resolved on my account.First page of the letter is shown in attachment with file name ending XXXX First week of XXXX, I called XXXX XXXX to find out if I was going to be refunded my money because surely PHH had rectified their mistake. But no, XXXX XXXX confirmed that PHH had madeno attempt to pay my homeowners insurance.
PHH did pay the homeowners insurance and I received a refund from XXXX XXXX. In response to their written communication : I take issue with the presentation. IF it is true that they attempted to make payment on the same day I paid the hazard insurance, XX/XX/XXXX, why did they send me correspondence on XX/XX/XXXX informing me that the policy had expired ( it was not going to be canceled until XX/XX/XXXX ) and that they planned to purchase hazard insurance for us?
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| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX- started exploring PHH site to find information on applying for mortgage modification XX/XX/XXXX - based on site created account with XXXXXXXX- approx. XXXX XXXX submitted RFA request for assistance.
XXXX, XXXX, XXXX, XXXX submitted documentation listed on the site according to information provided. Throughout these days as I submitted documentation, none of the star indicators changed to solid ( indication of required form completed ), XXXX called during lunch- was told they did not know anything about the loan solution site XXXX checked account - no changes to star indicators. Checked Phh site to make sure I didnt somehow get to some random site by miss clicking. Called in evening - agent said they knew nothing of the loan solution site- said they could start the process via phone and took my information and said this would be the effective date for starting the process, explained that I had the form along with the other documentation that the site said I needed to submit, was told I could email the information to XXXX email address- Was told that they could not schedule an appt for me because I had already made my XXXX payment and their system would not allow them to schedule the appt to call back the XXXX to schedule an appt with my relationship manager.
XX/XX/XXXX around XXXX User XXXX marked the submission as closed package XX/XX/XXXX first email ( other than authentication emails from logging into the account ) - the only information was that changes have been made to your application logging into the account I could not see any difference - no changes in star system XX/XX/XXXX, XX/XX/XXXX I checked - no changes to star indicators - at this time I was not aware of the account activity log that was available so I was unaware of logged change made by XXXX XXXX.
XX/XX/XXXX activity log shows XXXX - A request for assistance was updated ; a new document has been received. - -A new document has been received- with no performed by information. I checked the site could not tell if any changes were made XX/XX/XXXX dated letter received XXXX who my relationship manager was and that they would review the package to determine if complete and will let me know if more documentation is needed.
XX/XX/XXXX same letter uploaded to my documents on the website but dated the XXXX XX/XX/XXXX The request for assistance contains missing items. - - I logged in and was to see anything missing in the document center tab XX/XX/XXXX email saying they need additional information to complete the review and that I would get a letter XX/XX/XXXX called was told first appt I could get was XX/XX/XXXX could not talk to the relationship manager before that and nothing else could be done until then. Again was told they did not know what site i was referring to and that they had none of the documents I had loaded to the site. Explained that I would update the previously submitted documents as needed per phone call and then email the everything I had submitted on the website to make sure that I was submitting everything that would be needed per the phh site.
XX/XX/XXXX - checked site for changes - no indication of any changes or new document requirements XX/XX/XXXX - XXXX emails to XXXX XXXX1 had 21 documents thought it didnt go through so sent 4 additional emails with documents split between the 4. Also uploaded the updated documents to the website - because of the different information I received with each call and what was on the site, I wanted to make sure they could not say they didnt receive them.
XX/XX/XXXX checked site XXXX checked site XXXX - A request for assistance was updated ; a trailing document has been received. - agent The request for assistance contains missing items.- same agent I checked the site XXXX XXXX, XXXX & XXXX and XXXX received calls from PHH no phone message found on caller id.
XX/XX/XXXX checked website. Email reminder about XXXX XXXX.
XX/XX/XXXX XXXX XXXX - A request for assistance was updated ; a trailing document has been received -site by agent The request for assistance contains missing items. site by agent. I checked the site, could not find any listed required documents that were not already uploaded in the Document Center around XXXX XX/XX/XXXX 31 minute call with XXXX. Was told i submitted too much documentation that the only thing needed was the Mortgage Assistance application ( I had already submitted it but had n/a instead of XXXX and XXXX had not signed ) and paystubs. Since paystubs were there had XXXX sign and emailed to XXXX per XXXX instructions. Per XXXX none of the other documents were needed and that I should ignore the website. Soonest next meeting can be is XX/XX/XXXX.
XXXX Call from PHH no message/ checked the website/ found phh numbers on caller id but no messages/called was told there was missing documents/explained that XXXX said I didnt need them but they were there in document center - ok found them - lots of documents - explained that I keep submitting and emailing when asked because I get conflicting information XX/XX/XXXX checked website XX/XX/XXXX XXXX - Missing Items The request for assistance contains missing items. XX/XX/XXXX XXXX XXXX ET XXXX XXXX Check-in Trailing A request for assistance was updated ; a trailing document has been received./checked the website- resubmitted what it said was missing////recieved email stating that my appt was with XXXX not Rahul on XX/XX/XXXX XX/XX/XXXX checked the site no change in status of the resubmitted item XX/XX/XXXX XXXX - Check-in Trailing A request for assistance was updated ; a trailing document has been received./i checked the site////called phh explained again that they are calling and not leaving a message that they only way i know if they have called is by checking the caller id- dont alway check caller id unless there is a message left.
XX/XX/XXXX called received letter dated XX/XX/XXXX that said there were missing documents ( already in the document center previously ) that should be emailed to MOD email address and to check status and about calls with no messages- again that all documentation is thereconfirmed they had the documentation XX/XX/XXXX XXXX XXXX Missing Items The request for assistance contains missing items. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXin Trailing A request for assistance was updated ; a trailing document has been received. XX/XX/XXXX XXXX XXXX ET///checked websiteXXXX I called about changes overnight - explained again documentation is there. I have submitted nothing NEW since XX/XX/XXXX had to go to work XX/XX/XXXX called to check status XX/XX/XXXX, XXXX, XXXX checked website XXXX called to check status XXXX called to check status- rep started saying more documents were needed - I said that is unacceptable that the documents he was speaking of were already there since XX/XX/XXXX. I called at XXXX - with automated system and speaking with rep was connected for almost 11 min.//Complete Package A request for assistance has now become complete. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trailing A request for assistance was updated ; a trailing document has been received. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX site saw that package was marked complete.///called again after work after rather heated conversation regarding the idea that I have not submitted anything new since XXXX, and that I had been told multiple times that my package was complete, that it was being reviewed by underwriters, that underwriters were looking for clarification, that with the confusion regarding the web site and what was needed/not needed that my request would be expedited that now I am being told there is no such thing as expedition and that they now had 30 days from today i decided wait for my scheduled meeting with the new rep on XX/XX/XXXX XXXX email reminder for XX/XX/XXXX appt.
XXXX email reminder for XX/XX/XXXX appt.
XXXX, XX/XX/XXXX checked website XX/XX/XXXX - schedule meeting with XXXX Said my package was complete XX/XX/XXXX and that they have 30 days from that date to give an answer. Told me that if I made the payment by the last day of XXXX they would not report my account to the credit bureau for being late but i would/could get a late fee. Wanted to discuss refinancing options, explained that I was not interested in refinancing with PHH because I had tried that many years ago and like this situation requirements/processes changed every I reached out to them and that I tried for more than 30 days with no progress and gave up. Tried to tell me that my taxes went up XXXX dollars and that my mortgage increased over XXXX dollars a month because of the escrow account. I explained that one of my many phone calls to them was because i received notice that {$97.00} was added to my principal ( Some time between XX/XX/XXXX and XX/XX/XXXX PHH reported to XXXX that my mortgage balance increased. ) and when i called PHH i was told that was because my taxes were XXXX dollars more than my escrow- he insisted no money was added to my principle and that my taxes had gone up by the XXXX. I told him what would i need to do to cancel the escrow account so I could afford my payment- he said i would submit a form, they would have 10 days and may not allow me to cancel my escrow account because of modification. I said if they dont give me the modification then there is no reason to have the escrow account and without it I would be able to make my payments. Asked if I made or would be making XXXX payment XX/XX/XXXX and XXXX reviewed PHH statements going back to XX/XX/XXXX. There was no increase in principal ( Although PHH reported that to the credit bureaus ), the difference between my taxes and escrow was XXXX and my escrow payment increases by XXXX dollars not XXXX XX/XX/XXXX email reminder of XXXX appt with XXXX not XXXX XX/XX/XXXX started call with consumer site - directed to hope hotline- hope hotline set up three way call with PHH to try and get clarification - phh would only provide general information.
XX/XX/XXXX and XXXX reviewed site, phone logs emails XX/XX/XXXX called phh no updates- they need more time Asked if I made or would be making XXXX payment XX/XX/XXXX called phh - notified me that they sent me a letter stating investors are requesting a valuation of property - they need more time- should be resolved XXXX week of XXXX Asked if I made or would be making XXXX payment XXXX appt call not with XXXX although he is my person. need more time just received initial summary valuation from XXXX party but now waiting on word from investors - not underwriting. Asked about timeframe - was told he has 12 years experience multiple times during the call = what do you mean - how much longer 30 days, XXXX months a week? Well it is a third party company dont know when we will get full report, but the initial valuation is XXXX should be no more than a week, possibly two. Lets say three to be safe. Expressed my concerns that now the next notification I would get from them is oh we need new documentation because yours is out dated. No no you are misunderstanding i have 12 years experience, there is nothing else needed from you but we can not move until the property valuation is received and investors decide, then underwriting creates offer. Next rep appt scheduled for XX/XX/XXXX earliest available for my person but if he is not available another experienced rep will be calling. Assured me again that if there are any changes i will be notified by call and in writing ( have yet to have them leave a voice message- they call and hang up- I see it on the caller id that they called. ) Asked if I would be making XXXX payment.
XXXX still have not received letter regarding valuation that was mentioned in phone appt. Erroneous report to XXXX regarding an increase in my mortgage principal still has not been fixed.
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| 09/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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XXXX XXXX # loan number XXXX XX/XX/XXXX To Ocwen Loan Servicer Re : A More reasonable loan modification where it wont create hardship on our family.
This is in regards to requesting a Loan Modification that is fair and reasonable for me and my family to make payments that is conducive to what is fair based on everything that has happened in the past with what has been done. Ocwen continues to raise the mortgage and rates that I can not possibly pay monthly in an unreasonable modification. It has been an ongoing issue of telling them why and how we are at where we are, because of several different things that is wrong with the loan as it is. Including not removing the bankruptcy in a efficient quick manner so we may move forward from that we have been strugling with Ocwen to make a reasonable fair modification. Instead the payment continues to increase including the rate which is very unfair to what we were given originally. But instead there is more problems on the loan itself. We have tried to continue to let Ocwen Loan Servicer know that we can not afford the amount of payment to the Mortgage and every time we request for a lower amount, we still get the same amount and more as time goes on. This should have been dealt with back when there was a false bankruptcy placed on my home. I will submit the documents to the false bankruptcy and how it took. Ocwen finally removed the bankruptcy using their legal dept. They wouldnt do anything but told us to remove it ourselves when it wasn't our fault that they did not do due dilligence to let it go thru in the first place. So consequently it placed us in the rears and mortgage kept going up. When we attempted to communicate that the payments are too high. Ocwen still did a loan modification and it was more an excessive amount to where it would create hardship on us to pay that amount.
We continued to try to let the Servicer know we couldn't afford XXXX that we were requesting to reduce it to around XXXX to not be so financially strapped. They instead raised the Loan rate to an harsh excessive rate of 7.5 percent when initially we had a 2 % on our modification from previous ... the only problem with the modification at 2 % was still a high payment of XXXX. This is not fair for the rate that Ocwen did with us when they redid the loan they changed it from 2 % t0 7.5. And made it more to where it still was a high mortgage payment. I will submit what we have continued to request. This has been an ongoing issue. And I don't understand why Ocwen can't reduce our mortgage payment so we are not financially strapped to pay monthly. We just want a fair reasonable amount. This Mortgage has had alot of discrepancies servicing errors and there are deceptive practices occuring. We should be a place where we are able to live without excessive amount to pay.
We were in a loan modification with GMAC before Ocwen and Ocwen denies we ever had a loan modification with GMAC. When they received our loan from GMAC a representative name XXXX XXXX was working with us as she was assigned from GMAC. In addition when we transferred over to Ocwen a letter was sent to us stating XXXX XXXX was still my relationship manager when Ocwen took over. I had been talking to Ms XXXX and in the process of gathering information then was told that Ms XXXX was no longer in that program as of XX/XX/XXXX and a letter was sent that I would now have XXXX XXXX who was my new relationship manager working on the modification. I have the letter sent to me from # Loan XXXX/ XXXX XXXX Ocwen . When I called Ocwen to speak to XXXX in XX/XX/XXXX to find out whats going on, XXXX informed me that she couldn't speak to me about my modification because of a bankruptcy. I was shocked and didn't file a bankruptcy it was a false one filed from XXXX XXXX. The odd thing about this is that Ocwen had filed a foreclosure in XX/XX/XXXX when that should not have happened when I was already working on a modification. This was not right because i have letters from XXXX and Ocwen telling me I was assigned a relationship manager but they still filed a foreclosure when I was working on a modification. Then this false bankruptcy happens from a person ; by the name of XXXX XXXX out of XXXX. review the deed and the clerks name wasnt right too. Ocwen should have recognized and did a due diligence on the deed and bankruptcy as it had a robosigner as well for the notary. The whole documents were wrong names and wrong county clerk and false. So from that we were placed on hold for a period of almost a year. We should have been able to do a modification that would have been conducive at that time. But because of this false bankruptcy we couldn't do anything with Ocwen until they removed it. Ocwen didn't remove the false bankruptcy until XXXX XXXX XXXX and we provided all the documents to prove it was false giving them the documents to the legal so they would remove it as soon as possible for us to move forward. But still Ocwen prolonged this until XXXX XXXX XXXX, which was then finally removed by Ocwen.
We were finally able to work on a modification. We were still letting them know that we need a more reasonable payment to our mortgage we couldn't help that GMAC filed a bankruptcy as well and made us wait when they filed in XXXX XXXX XXXX with a Bankruptcy everything was on hold from that when we were working on a modification then. So what I am trying to share here is that XXXX and XXXX were virtually on hold for us to move forward on a modification. Even if Ocwen would have worked with us to do a modification in XXXX we wouldn't be at where we are at this time. We would have been able to afford a payment XXXX less then what it is now. Then things prolonged and when they gave us a modification it still was too high. We kept on trying to state all of the facts and the errors that happened. We had been subjected to predatory lending and deceptive practices to the original note.We would not be at this state if we were granted a loan modification when Ocwen took over. We were finally working with a relationship manager XXXX XXXX we told her that it wasn't our fault that we couldn't work on a modification because of the bankruptcy.
Fast forward til today. We want a Modification that is fair and what should have been dealt with when we had a false bankruptcy from this XXXX XXXX. We are just asking for fairness here. There have been times when we submit our financials and more information is needed. This prolonged process shouldnt be like this. Fast forward to XX/XX/XXXX we were given a trial plan of making payments of XXXX for the month of XXXX and XXXX. However the problem was they raised the rate from 25 to 7.5 percent ... excessive rate. it was an unfair rate and it didn't matter to Ocwen as it affected us with the payment and the interest on the principle. We told the relationship manager we would do what we can towards working on a less more affordable payment that is fair and conducive based on circumstances we were placed in. The Modification was not a fair one for what rate was placed on us. I will submit the Modification from XX/XX/XXXX. We did that and there after Ocwen did not do anything to work on a lower amount or rate as we had been requesting for a long time now. We did with protest to the amount and asked for the relationship manager to inform them that we need a less amount but to show we would work Loan # XXXX XXXX XXXX with this trial period and then Ocwen work to lower this more. It didn't happen. The modification from prior had a 2 % with the excessive mortgage amount of XXXX was the modified amount from the month of XX/XX/XXXX. And when Ocwen redid the modification two months later they raised the rate to 7.5 percent which wasnt right. but we still had the payment a XXXX dollars less but still high at XXXX. They still were felt like there wasn't much effort to work with us to lower the amount due to all of the circumstances of not being able to do a modification back when it should have been done XX/XX/XXXX when they received the transfer. In the QWR it states that Ocwen received the transfer in XXXX ... but didnt do anything with us til they filed a foreclosure not even attempting to work with us at that time ... But instead it was a false bankruptcy that also kept us from moving foward on the modification. At present, we received submitted our financials to Ocwen again as we had in the past. I sent a letter requesting again to lower the amount do to what had occured. the completed packet was received on XXXX XX/XX/XXXX and another on XX/XX/XXXX all was complete they would review and a denial letter was received on XX/XX/XXXX 4days later stating they couldn't give us a loan modification due our payment now would be 25 percent more than what it was originally from which the payment amount of XXXX. There didnt seem to be a complete analysis and evaluation of our loan modification by the quick turn around on a denial letter. I I will submit the false bankruptcy and the police reports from XXXX where we should have been able to do a modification and not be where we are at today. We would then be able to afford to live and pay our monthly payments.
Our resolve in this would be to work out a loan modification that should have been lowered payment with the 2 % moving forward. The fair market value of the rates should have been taken into consideration.deferring the present reinstatment amount to the rears with already deferred principle would help us and bringing down the interest rate that is lower and fair. There wasnt a consideration to truly review and analyze what can be done. We would be able to afford a mortgage payment on the principle amount of {$500000.00} amount with a lower payment and percentage rate lowered considerably ... which would be fair, especially when the XXXX was deferred and the present reinstatement amount added to the deferred amount would help with getting a reasonable loan modification that would not place us in hardship.
My daughter in law XXXX XXXX is a XXXX XXXX XXXX veteran and this is already dealing with XXXX more XXXX. She is presently submitted for a XXXX XXXX and this would be devastating to her if we were to not have our home. We are asking Ocwen to please do the right affordable thing for us. We didn't do all that was done to our home loan. There is alot of discrepancies and errors and Ocwens motto is helping homeowners is what they do. Then why are we still being gauged by such a high interest rate of 7.5 percent when a few months earlier on a modification it was at 2 % the modification was redone and then Ocwen increased the rate to 7.5 in a matter of a few months. That was not fair. I will provide documentation in the modification that was at 2 % .. We could have had a modification back when our loan transferred to Ocwen . I will include all information as to the continued letters we sent and still have a high mortgage payment.
We need a more affordable fair one that will keep us in our home. XXXX to XXXX we can be able to afford if Ocwen can do the right thing. The rate is too excessive and is not fair. I have lived here since XXXX and my husband past away and we lost the business when the market crashed. I just want to be able to live without having to struggle. I feel Ocwen can adjust the mortgage to make it right and fair for me and my family to live without worries. This has to be addressed on lowering the payment and as they had it before at 2 % how can such a Servicer bump up the excessive 7.5 % its not right or fair. I need a more affordable modification that will be conducive and fair. Again i have sent letters stating this and there is no resolve in this.
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| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX THIS IS A COMPLAINT AGAINST OCWEN LOAN SERVICING LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I escalated issues that I was having getting an appraisal completed to Ocwens Office of Consumer Ombudsman on XXXX XXXX, XXXX after failing to get assistance with the process of cancelling PMI on my home a process that I began in XXXX of XXXX. From XXXX XXXX through XXXX XXXX, XXXX I documented a number of failures in Ocwens business processes : 1. The inability of Ocwen to accept either fax or e-mail at published numbers/addresses and even at those numbers/addresses provided by Ocwens Research Department and Escalation Manager. The significance of this is that the Research and Escalation processes of Ocwen are the published escalation processes for customers having difficulty getting factual information on the property ( appraisal data coordinated by Ocwen ; receipt of documentation of improvements made by the Owner since purchase of the property ). Each request of the Escalation or Research Departments takes weeks for a response with all responses ending in dead ends. In other words, no factual information to resolve the issues is ever provided by Ocwen. All of this is summarized on page 1 of my XXXX XXXX, XXXX letter to Ocwen. I also had provided all of the documentation of hard costs that went into improvements at the above property after the purchase date.
2. During and prior to the time- of direct correspondence with Ocwens Office of the Consumer Ombudsman, Ocwen has provided the following differing appraisals on the above property : a ) {$420000.00} appraisal by someone who actually came to my property in XXXX ; b ) {$230000.00} verbally quoted by the Ocwen Research department XXXX Ocwen never provided documentation of the source of the appraisal ; c ) {$270000.00} in a letter from Ocwen dated XXXX XXXX again no source of the appraisal date ; d ) {$390000.00} from a Brokers Price Opinion which is NOT an appraisal as required by Ocwens ( according to the Ocwen website ).
As a part of the documentation that Ocwen sent along with their XXXX XXXX, XXXX letter to me is the actual BPO on the above property dated XXXX XXXX, XXXX and completed by XXXX XXXX of XXXX XXXX. On the bottom of the written BPO on the property, the form clearly states THIS IS AN OPINION OF PRICE OR COMPARATIVE MARKET ANALYSIS AND IS NOT AN APPRAISAL.
Having no recollection of a XXXX XXXX, I called XXXX XXXX ( XXXX cell # shown on the BPO ) on the morning of XXXX XXXX, XXXX to ask why he had listed {$8000.00} of interior painting as a needed repair ( every inch of wall and floor space have been replaced, refurbished or painted since I acquired the property ). His response included the following direct quotes : The BPO was most likely a drive-by assessment ( in other words XXXX XXXX was never inside the home ) ; At that time, I was doing about 200 BPOs a month, and with that volume, files can often get mixed up between properties.
All of this is documented in my XXXX XXXX, XXXX letter to Ocwen.
Although I have continued my regular correspondence with XXXX XXXX of Ocwens Consumer Ombudsman Office, XXXX XXXX has provided NO assistance with resolving the issues raised and not acknowledgement of Ocwens actions which are clearly in violation with its written policies.
Until XX/XX/XXXX, I believed that Ocwen was stonewalling my requests simply to delay the removal of PMI on the property and add to their bottom line ( the PMI is {$290.00} per month ). At this point, given that I have escalated the issue to the President/CEO of Ocwen, the Chair of the Board Audit Committee and Ocwens external Auditors in addition to the extensive correspondence with XXXX XXXX of the Consumer Ombudsman Office ( presumably someone directly responsible for resolving issues such as this ), I have concluded that Ocwen operates what one might call a fraudulent business enterprise. What is happening to me is also happening to hundreds, likely thousands of other homeowners homeowners that the Federal Government sought to help with the HARP Program.
I have provided some, but not nearly all, of the documentation that I have. I documented every correspondence with Ocwen with complete sets of verifiable information. If there is not enough documentation enclosed, I am happy to provide more.
XXXX LETTER TO OCWEN I am writing in response to your letter of XXXX XXXX, XXXX which was in response to my letter and documentation of XXXX XXXX, XXXX. The intent of this correspondence and the XXXX XXXX, XXXX correspondence - is to cut through the systemic chaos of Ocwen Loan Servicing to arrive at a factual decision on my request to Cancel PMI on the property associated with loan # XXXX. The letter of XXXX XXXX, XXXX does provide documentation that I have requested through Ocwens Research and Escalation Departments over the last year, but also raises some serious issues about the acceptability of Ocwens business processes and whether, in fact, these processes are only a means of stonewalling the removal of PMI from the above mortgage.
Let me enumerate my concerns about the response in the Ocwen XXXX XXXX, XXXX letter : Owner-Approved Appraiser I want to make this abundantly clear : After requesting cancellation of PMI in writing and submitting the required {$100.00} fee to Ocwen as required, I have ONLY been contacted via shadowy phone calls establishing a person ( no name or contact information ) that would call me to set up an appraisal. As an Owner, I had absolutely NO participation in the selection or approval of the Appraiser that was sent to my home, nor was I ever left with a business card.
An Appraisal is Required to Cancel PMI According to Ocwen An Appraisal was completed on the property at XXXX XXXX XXXX XXXX in XXXX XXXX, as your letter indicates. Ocwen sent me an obtuse letter with ratios ( dated XXXX XXXX, XXXX ), but never stated the appraised value or the amount of the loan that would need to be paid down to reach the 80 % loan-to-value ratio. I interpreted this as yet another attempt to obfuscate ; why not just state the facts? I did correspond with Ocwen at that time indicating that the Appraisal seemed artificially low.
After my additional request to cancel PMI in XXXX XXXX, Ocwen did not respond with an Appraisal, but with a Brokers Price Opinion ( BPO ) as you documented in the XXXX XXXX, XXXX Ocwen letter. According to the Ocwen documentation, the BPO of XXXX XXXX, XXXX on the XXXX XXXX XXXX XXXX was done by XXXX XXXX of XXXX XXXX. On the bottom of the written BPO on the property, the form clearly states THIS IS AN OPINION OF PRICE OR COMPARATIVE MARKET ANALYSIS AND IS NOT AN APPRAISAL.
Having no recollection of a XXXX XXXX, I called XXXX XXXX ( XXXX cell # shown on the BPO ) on the morning of XXXX XXXX, XXXX to ask why he had listed {$8000.00} of interior painting as a needed repair ( every inch of wall and floor space have been replaced, refurbished or painted since I acquired the property ). His response included the following direct quotes : The BPO was most likely a drive-by assessment ( in other words XXXX XXXX was never inside the home ) ; At that time, I was doing about 200 BPOs a month, and with that volume, files can often get mixed up between properties.
I went on to ask XXXX XXXX whether or not he was aware that the house had a complete kitchen remodel with Viking appliances ; whether or not he was aware that the garage is insulated, heated and dry walled with storage on a second floor ; whether or not he knew the property was walk out with finished living areas on the walk out level ; whether or not he was aware of the year-round view of and proximity to XXXX XXXX. He answer was no to each of these questions. XXXX XXXX was quick to remind me that he was not licensed to do an Appraisal, just as the BPO states.
I also find it just too coincidental that the BPO that XXXX XXXX completed had the same exact valuation ( {$390000.00} ) as the original purchase price.
Documentation of Improvement Costs I have completed a substantial addition and interior renovations with a total cost of roughly {$140000.00}, therefore I am requesting a cancellation of PMI under the provision that cancellation of PMI may be granted based upon a current market value appraisal, provided substantial improvements have been made to the property.
Ocwens XXXX XXXX, XXXX letter states ( documentation of ) cost must be provided by the vendor completing the Brokers Price Opinion or Appraisal. Please tell me how I might accomplish that on a drive-by BPO?
In addition, I was generally asked if I had made improvements to the property, but I was NEVER asked for documentation of renovation/addition costs. Ocwen did not mention this documentation was needed until I received a mostly unintelligible response from Ocwen, dated XXXX XXXX, XXXX, from which I did surmise that documentation of the substantial improvements were being requested. I did not find this documentation requirement on Ocwens website under requirements for Cancelling PMI prior to initiating my requests for Cancellation of PMI.
I did supply the entire 61 pages of documented ( checks, bank transactions, invoices ) substantial improvements as an attachment to my XXXX XXXX, XXXX letter along with extensive documentation on attempts to deliver this documentation to Ocwen dating back to XXXX XXXX. These documented hard-cost only improvements total {$100000.00}. Also enclosed were copies of the final inspections indicating all renovations/additions are in accordance with Building Code : footings/foundations ; framing ; electrical ; insulation and occupancy.
Appraised Value The written documentation on appraised value that was provided by and attached to Ocwens XXXX XXXX, XXXX letter included statements of the need to expand the search area to find comparable homes and misstated the bedrooms in the subject property as 3, not the actual 4. Additionally, some of the vintage remodeled homes in the expanded search area included for comparables were very obviously do-it-yourself additions, not architecturally-designed renovations. Unless Ocwen, as a lender, is able to use a different set of Appraisal Criteria than a Minnesota-Licensed Appraiser is allowed to use for normal resale purposes, the Ocwen Appraisal process is seriously understating the actual current sale price of the XXXX XXXX XXXX XXXX property. Based on an Appraisal that I commissioned from a Minnesota-Licensed Appraiser in XXXX XXXX, the current selling price of XXXX XXXX XXXX Road is in the {$600000.00} range.
RESOLUTION OF ISSUES If there is any information that is lacking or a question on any information, let me know immediately and I will try to respond to your request ( s ) within a 48-hour timeframe. Otherwise, I expect that you get a firmer grip on the facts and do the work you are required to do, namely the hiring of a Minnesota-Licensed Appraiser who follows the professional standards of the Appraisal Industry and is fully-independent of Ocwen. Alternatively, I am happy to provide an appraisal meeting the above standards and submit the Appraisal to Ocwen, including the review of the substantial improvement costs documentation that have been submitted to Ocwen or as another alternative, to simply revert to the use of the XXXX Appraisal performed by an Ocwen appraiser.
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| 04/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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To whom it may Con cern, I was a resident of XXXX Va. and My mother was a resident of XXXX Ga. My grandmother brought a home in XXXX Ga with her and my mom. My grandmother passed away and I started traveling back and forth from XXXX to Georgia a 6 hour drive both way to care for my mom after my daughter and her family left and relocated back to New York. By XX/XX/XXXX I became ill and hospitalized at the time I owned a business but due to my illness it became impossible to keep it opened~ I struggled to pay bills in both places and was paying Ocwen 2 -3 m onths payments at one time to catch up if payments were behin d, By XX/XX/XXXX I ha d several XXXX my mom had to be placed in a XXXX XXXX and I had to apply for XXXX , The house went into foreclosure after I miss ed XX/XX/XXXX XX/XX/XXXX and the XX/XX/XXXX XXXX gave me an advance payment but I was short of {$600.00} and Ocwen would not accept a partial payment so I went to a housing help center and was assigned to XXXX XXXX from the XXXX XXXX XXXX XXXX who started the process and paper work on the assumption and modification process, and assured me as soon as they finish the modification there is a program that they were going to get me approved for it is a program that helps pay the mortgage monthly for a few years. I did an assumption first and that is when the problem begins, The Owner which was my grandmother left a last will and testament which states the property is to be will out to My youngest Son who suffers from XXXX , She was very closed to him, I believe this was her way of making sure that no one could sell the property so that her daughter my mom and my Son who has XXXX would be okay because the area was a good place to be safe for them both~ So when I did the first assumption it was in my name and XXXX name I was not an expert at this at all, after I sent the assumption package they then immediately started on the modification first with my grandmother whom they got confused with my mom I think? Then when we got that situation straighten out we re-did the modification under My income and XXXX income and my grandson XXXX 's income Now that the Modification is all done and straighten out which took close to a year? is that normal? They are now requesting another assumption? well this has been going on sinc e XX/XX/XXXX , My mother was gravely ill and her only wish was to come back home and be with her family before she past but I was hesitant by the possibility of a foreclosure So I asked her to hang on we were almost done but it took far longer then I would have ever anticipated and she never got her chance to come back home she passed away XX/XX/XXXX a t XXXX XXXX XXXX Now I was at the courthouse trying to speed up t he process of probating the will which was being held up until my mother could be cleared mentally able to either accept or contest the will? which is just county procedure But once I told them my Mother was now deceased I now need to re-file the request in which there now is no living heir to contest or accept which now makes it less complicated Okay Now to the punch-line I am not saying that Ocwen is a bad c ompany at all they helped my family and they seem to have been working very hard to help me, But the Assumption Dept. has failed to send me another assumption package? which was requested by my Case manager XXXX XXXX a very nice lady and many other representatives and this has been going on for months? it ca n't be that hard to forward a package from the assumption dept. then they took my foreclosure status off of hold????? when I asked why they are telling me because I did n't send in the assumption package???? How can I send in a package that I have yet to receive? I have informed them that I have n't received the package they even requested that it be sent via email nothin yet I do n't like the feeling that they may be h olding this assumption package to deliberately cause me to foreclose on this property, XXXX XXXX has not contacted me and that alone is very unusual for her, she is very accurate and detailed at what she does. And seems to be a very honest person so if she knew they were not doing the right thing by at the assumption dept. level it would seem she would avoid speaking with me at least I would think so because she is so trust worthy and honest I would assume that would be hard for her to do I can tell by her demeanor~ Ocwen offered m e {$10.00} to relocate a few months ago I did n't take the offer because I was n't sure I could make a decision like that since I am not the heir of this estate, I felt it is not my will to do so My grandmother left this property in trust for XXXX and he will turns XXXX in 5 years Then the property can be put into a trust for XXXX I contacted home s for habitat and told them my situation before my mom died and they are willing to come and help renovate the house which is in pretty bad shape from poor maintenance and since my stay here I see that it must have been a task for my daughter with her hands full, But there is a 25x45 foot pool that is inoperable condition and it is 12 fe et deep and I do not swim smh~ There is electrical problems in and outside of the house the problem from the leak in the pool has started cracking the concrete surrounded by the pool~ there is water damaging inside the kitchen ceiling and familyroom a new fence is needed Code enforcement has came for numerous issues, it was unbelievable when I got here So to the point I had to sell my property just to get this property in order I put a new roof on this house they nailed table mats in the attic where it was leaking? This house which was built in XX/XX/XXXX is old and I had to r eplace electrical appliances and sockets and the back side of the house has no working sockets so I had to run extension cords SMH~ I h ad to redo the kitchen floors but it is still somewhat uneven with a sort of a slop if that makes sense? then only to be told recently that the property needs excavating and with the unsuccessful work I paid for on the pool which now needs electrical work and it has to be re-cemented? it is an in ground Granite pool so much money spent already and I have all my receipts Thank Goodness I had to have the porch done over, panels replaced, grass done, trees done and carpet replaced in formal living room, and now if habitat of humanity helps they will replace the windows, close and seal the pool and fix the electric issues now as for the excavating? I am not sure because that was n't an issue in the original request for assistance the wood floor in the family room I had done over and there is mold in the basement all around the lower area near the floor and the outside lights does n't work The toilet in the middle bathroom needs repair though they came out already I have a home warranty but the tub in the master needs to be replaced and they do n't cover that and the door entries are swollen and need to be replace they keep getting stuck when you close them it is th e three d oors on the nd level, the cooling units went out while here and I had to have them replaced and the chimney is collapsing which I was told the insurance company should come out to replace but I was waiting for the modification because of the foreclosure, they say the insurance people will give me a hard way to go if I make a claim now?? The stair railing needs to be put in there is none? and the attic is a whole other situation So I figured if I can get the help to renovate the property get the loan modification which will be coming directly out of XXXX account into Ocwen 's a ccount and I can handle the utilities and now I have the insurance in my name and I am going to find a PMI insurance so that if anything happens to me the house will be paid off So XXXX will not have to go through this ever again and I understand the past situation seems like a failed attempt on this loan but you must understand there was no t one but two elderly people here and they did the best they could Now I do agree on one thing and t hat Is that This community is very nice and safe for XXXX and they all know him and look out for him, I would really prefer that he stays here~ Just in case something happens to me '' I am sure he will be just fine right here even if he has to be on his own. We are on a fixed income but once I turn XXXX I will get double my income and my retirement and my widows benefits and if anything happens to me XXXX is well off as the beneficiary I am not sure what is going on but I have sacrificed way to much Spent a fortune on property that was n't my own trying to save my Sons estate if Ocwen did not want to honor the Last will and testament they could have been honest about it but to lead me on for over a year and not even giving me time to seek housing after selling my own property trying to fix there 's up only to be taken away and sold behind my back is being deliberately cruel and inhumane And I just do n't see them as that way I think many complaint s may just come from people not understanding the procedures or not inquiring because my interaction with them seems to have been pleasant I just need for them to put the foreclosure back on hold as it should rightfully be and send me the assumption package as per requested months ago By my cas e Manager and othe r representative s Ocwen is not a re gular mortgage Company but they seem to be very kind and they seem to do well I have had to deal with worst, So no huge company goes without a complaint because you just cant please everyone that is understandable but this assumption situation has drawn some concern with me th at it may be some form of predatory practices and I hope this is truly not the case because I really think highly o f Ocwen and everyone I tell that too says I 'm crazy But they have already experienced foreclosure while I am still holding on So I guess that is my opinion. As they say one bad Apple does n't spoil the bunch as for one bad situation~ Ocwen d eals with millions of cases like this they get al these difficult situations if anything they should get good recognition for the hundreds of loans that they saved not the few that they did n't. It only takes one worker t o fail to do they 're job they were hired to do to cause someone to lose they 're home and it is not the whole company just the wrong staff member and another thing never leave young adults to do a job they are clearly not prepared for SMH~ So Please Help in this situation maybe if you contact the people in that dept. this will be all resolved Because why would they withhold documents needed for me to fill out and return and then hold me accountable? and putting my foreclosure status back on active when it was on hold? That does not sound like Ocwen so s omething is very wrong. I have sunk all that I have every dime including my savings to try and repair and fix this home up for my Son I have been ready to pay mortgage over 7 months now and I even offered to pay the taxes this year if they had n't done so YET '' So I am trying here please help if you can if you can Thank you and Be Blessed
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| 06/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This complaint is for Ocwen Loan Servicing. Ocwen forwarded our previous CFPB complaint # XXXX to attorney, XXXX XXXX from XXXX XXXX XXXX . The attorneys response raised additional questions. 1st, did Ocwen provide any documentation to attorney, XXXX XXXX such as the borrowers current payment history, current credit history and current credit reporting from Ocwens website prior to his response dated XX/XX/XXXX ? YES or NO! 2nd, did Ocwen participate in writing the response letter dated XX/XX/XXXX with attorney XXXX XXXX in any way? YES or NO! 3rd, does Ocwen support or condone attorney XXXX XXXX response dated XX/XX/XXXX when he provided false or an invalid statement to us along with the CFPB? YES or NO! Failure to answer our questions will result in additional complaints filed against Ocwen! NOTE : due to attorney XXXX XXXX response, we filed this dispute that is attached below! Please read this dispute and the requests that are located on the bottom of the dispute letter! DISPUTE CFPB COMPLAINT # XXXX On XX/XX/XXXX , I received a letter from Ocwen Loan Servicing stating the Office of the Ombudsman would like to thank you for your recent inquiry regarding the above reference loan. I also received a letter from attorney, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX which is representing Ocwen Loan Servicing. Ocwen forwarded this CFPB complaint to their attorney to address this issue. This attorney stated in section 1 ; Borrower alleges that Ocwen has failed to properly report payments received regarding borrowers mortgage for XX/XX/XXXX and XXXX XXXX . Please review the documents that were provided in our initial complaint. You can see that Ocwen did in fact receive our monthly mortgage paymen t ( s ) in advance but failed to update their whole system and report to all the credit bureaus. In section 2 , the attorney stated ; In brief, borrower claims that Ocwen failed to report borrowers XXXX XXXX and XXXX XXXX payments. According to the complaint, borrower reviewed his credit report on the XXXX website and noted that these months had a D, meaning that no payment history had been reported for those months. Borrower alleges that Ocwens system contains the same error. There is no record indicating a dispute letter was ever sent to XXXX or Ocwen regarding this reporting. Indeed, borrower states in the complaint that he did not send a dispute letter because he believed he should not have to do so. Thus, the only allegation is that Ocwens reporting is inaccurate. As such, borrowers complaint is premature. Now ; the facts are ; Ocwen failed to report to the credit bureaus. Ocwen failed to update all their records when we made our mortgage payments in advance. Ocwen failed to update their records to reflect accurate information which is considered, bad business practices, misconduct. Ocwen took short cuts by not updating their system daily! Ocwen provided inaccurate or incomplete information into its real servicing system. Not only should Ocwen have updated their payment history, payments received from borrower, but Ocwen should have updated their credit history section along with the credit reporting sections within Ocwen Loan Servicing! T he credit history is a section within Ocwens Real Servicing System w hich reflects what has occurred with Ocwen and the borrower. Ocwen and its attorney will argue this fact but as you can see on the credit history sheet from Ocwen, this form reflects additional comments such as D no payment history available this month! Per the XXXX credit report that was printed, the credit bureaus do NOT use a D no payment history available this month in the credit bureau details section! This credit history is used for information and is not used for credit reporting as the credit reporting form is used to notify all credit bureaus of the status, current balance and date reported to the credit bureaus! Ocwen believes that their policies and procedures exceed federal laws, state laws and consumer rights! The attorney stated that the borrower reviewed his credit report on XXXX website and noted that these months had a D, meaning no payment history. Per my initial complaint I stated ; Then, I went onto XXXX website and found that Ocwen failed to report for XXXX XXXX , XXXX , XXXX and XXXX XXXX which reflects as data unavailable. The attorneys statement was incorrect, false or invalid! This attorney is un-ethical and un-professional as he stated incorrect information! As I stated in my initial complaint, I did not send a dispute letter to Ocwen or any of the credit bureaus, disputing the current credit reporting inaccuracies. In the past, I have filed disputes with Ocwen and the credit bureaus due to Ocwen Loan Servicing credit reporting issues! NOTE : we have documentation in writing which was sent by certified mail that we did in fact dispute Ocwens past, credit reporting issues. The CFPB can view additional complaints filed in the past which have documentation attached to these complaints. The attorney for Ocwen stated ; Borrower states in the complaint that he did not send a dispute letter because he did believe he should not half to do so. Per my initial complaint I stated on the second page ; note ; we have not disputed these inaccuracies with the credit bureaus for multiple reasons . 1st, Ocwens w ebsite reflects inaccurate information that must be corrected by Ocwen only. The credit bureaus will not address Ocwens website inaccuracies! 2nd, Ocwen failed to report to the credit bureaus and we should not be required to dispute these inaccuracies with the credit bureaus due to Ocwen constantly reporting inaccurately or not reporting at all! 3rd, federal and state agencies must be informed of mortgage companies bad business practices. As you can see, this attorney response was nothing like my complaint which this attorney provided a false statement which maybe consider unethical! The attorney further stated, as such, borrowers complaint is premature. The legal definition of premature is ; ahead of time, mistimed, overhasty, rash, untimely! The facts are, Ocwen had months in order to update their system completely to reflect accurate information! Ocwen had months to report our XX/XX/XXXX mortgage payment to the credit bureaus! This means that Ocwen had ample time to report accurately and update their system which is not premature as the attorney stated! The attorney for Ocwen further stated ; credit reporting is governed by the FCRA, 15 USC 1 681. Under the FCRA, a furnisher of information to credit reporting agencies has a duty to investigate and correct any information upon notice of a dispute by a consumer to a credit reporting agency or upon receipt of a direct dispute from the consumer that complies with statutory and regulatory requirements. Now, as I explained previously, in the past, Ocwen has continuously failed to update their records, failed to report or report accurately on our mortgage account. We are exercising our rights to file complaints against Ocwen through the CFPB or any other agency so Ocwen can address the concerns, correct the issue in the allotted time allowed and allow federal and state agencies investigate the complaints for any and all violations! Ocwens attorney further stated ; further, the CFPB complaint does not satisfy the regulatory requirements to qualify as a direct dispute. I disagree with this statement from the attorney. The facts remain ; per the CFPB, the CFPB has sued Ocwen Loan Servicing o n multiple occasions. Recently, in XXXX , the CFPB filed suit against Ocwen over accusations of widespread misconduct on how it serviced borrowers loans! Ocwen has failed to properly credit payments to borrowers accounts! Pe r 12 CFR 1022.42, al l furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency! Ocwens policies and procedures interfere with Ocwen updating their system correctly, prior to reporting to the credit bureaus! Ocwens attorney further stated ; setting aside the failure to comply with applicable federal law, borrower acknowledges that he is aware of Ocwens policy regarding reporting during a complaint or investigation. However, borrower states that he believes enough time has passed to complete an investigation. Per my initial complaint on the second page it states ; Ocwen Loan servicing had enough time to update their system to reflect accurate information and all the credit bureaus to reflect, current or paid as agreed! If anyone looks at the dates that are disputed along with the date that this complaint was filed, you can clearly see that months did in fact pass which Ocwen did in fact have ample time to correct these issues mentioned above without getting the CFPB involved! The attorney further stated ; while this claim is itself subject to dispute, borrower fails to inform the CFPB of the more critical fact that he has engaged in a series of complaints during the appropriate time period. Per my initial complaint ; I stated ; it appears that we have not filed a complaint with the CFPB against Ocwen for a couple months. Per our records, the last complaint filed with the CFPB against Ocwen was in XXXX XXXX . Ocwens attorney responded to another CFPB complaint on XXXX XXXX XXXX , complaint # XXXX and XXXX . It is now XXXX XXXX , approximately three month later and Ocwen is still failing to perform their duties as a mortgage servicer! Ocwen Loan Servicing c ontinues to violate consumer/ borrower rights! NOTE : Ocwen Loan Servicing is obligated and required to properly credit mortgage payments and provide accurate information at all times! We request that Ocwen changes its policies and procedures to input accurate information into their system on a daily basis, not just in the payment history as Ocwen does but also in Ocwens credit history and credit reporting sections! Ocwen has continued their bad business practices, un-fair business practices and misconduct on how it services borrowers loans. Ocwen must cease and desist all bad business practices and misconduct. Since Ocwen hired an attorney that provided a false or invalid statement ( s ), Ocwen m ust be held liable for their attorneys statement! If Ocwen fails to update borrowers loan information on a regular basis and continues to use attorneys that provide inaccurate information, we exercise our right to provide documentation to media sources so other consumers and investors will know Ocwens bad business practices which they may consider using another company rather than Ocwen in the future! We also exercise our rights to file additional complaints if Ocwen fails to comply with our requests or violates federal and state laws! Due to Ocwens action past and present, Ocwen caused these complaints to be filed. We will not cease and desist until Ocwen manages our mortgage loan correctly as required and provide all information that we requested through the CFPB in the past!
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| 06/10/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX ( " XXXX '' ), PHH Mortgage Corporation d/b/a PHH Mortgage Services ( " PHH '' ), Ocwen Loan Servicing, LLC ( " OLS '' ) and XXXX XXXX XXXX ( " Attorneys XXXX '' ) are committing mail fraud in violation of 18 U.S.C. section 1341, the crime of fictitious addresses and persons in violation of 18 U.S.C. section 1342, conspiracy in violation of 18 U.S.C. section 371 and other predicate acts in violation of State and Federal criminal statutes as it pertains to their unlawful debt collection practices and illegal foreclosure in the Superior Court of New Jersey in further violation of the consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). In response to my XX/XX/XXXX communication forwarded to XXXX, PHH and Attorneys XXXX regarding account number XXXX and Docket No. : XXXX ( N.J. Sup. Ct. ) and made pursuant to 15 U.S.C. section 1962 ( g ) ; 12 U.S.C. section 2605 ( e ) and 15 U.S.C. section 1601 et seq. ; and 15 U.S.C. section 7021 ( f ), Attorneys XXXX responded with communications dated XX/XX/XXXX ( See Exhibits " A '' and " B '' ), while XXXX responded with communications dated XX/XX/XXXX ( See Exhibit " C '' ) and XX/XX/XXXX ( See Exhibits " D '' and " E '' ) with exhibits enclosed thereto that along with the responses are false, deceptive and / or incomplete for the following reasons : 1. the communications regarding the above referenced account number and civil docket number sent from Attorneys XXXX as third-party debt collectors and foreclosure counsel that are tilted MORTGAGE REINSTATEMENT QUOTE '' ( See Exhibit " A '' ) and PAYOFF QUOTE VALID THROUGH ( See Exhibit " B '' ) that are both dated XX/XX/XXXX ; XXXX c/o PHH as debt collectors both dated XX/XX/XXXX ( See Exhibits " D '' and " E '' ) ; and the Monthly Mortgage Statement from XXXX c/o PHH dated XX/XX/XXXX for the payment declared XX/XX/XXXX XXXX See Exhibit " F '' ), are false and deceptive upon declaring a default as of XX/XX/XXXX for an alleged failure to pay the installment due, while concealing and omitting that : a. the above reference account number went into default with the payment missed for the installment due XX/XX/XXXX and the installments due each month thereafter as declared within the foreclosure complaint filed on XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX by Litton Loan Servicing LP ( Litton Loan ) through XXXX XXXX XXXX, XXXX. ( Attorneys XXXX ) on the same day XXXX XXXX died ( See Exhibit " G '' ) ; b. no payments were made for the months due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX following Litton Loans election to accelerate and demand the total indebtedness declared owing towards the above referenced account number upon commencement of foreclosure on XX/XX/XXXX under Docket No. : XXXX ; c. on XX/XX/XXXX, I executed a Trial Modification Agreement prepared and offered by Litton Loan for the above referenced account requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " H '' ) and forwarded the trial modification agreement along with two certified checks each for {$1900.00} dated XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX trial modification payments that were received and cashed by Litton Loan ( See Exhibit " I '' ) ; d. by certified check dated XX/XX/XXXX, I made the last of three trial modification payments for {$1900.00} that was received and cashed by Litton Loan ( See Exhibit " J '' ), the latter of who failed to permanently modify the above referenced account number promised and, instead, maintained the foreclosure action filed the same day as XXXX XXXX on XX/XX/XXXX under Docket No. XXXX wherein XX/XX/XXXX is declared the date of default ( See Exhibit " G '' ). ; e. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1800.00} for payment due as of XX/XX/XXXX ( See Exhibit " K '' ). ; f. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " L '' ). ; g. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " M '' ). ; h. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " N '' ). ; i. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " O '' ). ; j. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " P '' ). ; k. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " Q '' ). ; l. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as ofXX/XX/XXXX ( See Exhibit " R '' ). ; and m. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as of XX/XX/XXXX ( See Exhibit " S '' ). ; 2. the alleged payment reconciliation histories ( See Exhibit " T '' ) enclosed within one of the XX/XX/XXXX communications from XXXX c/o PHH omit and conceal approximately $ 21k in payments tendered to Litton Loan towards the above referenced account number with approximately $ 16k being cashed by Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits " I '' through " S '' ). ; 3. XXXX, PHH, OLS and Attorneys XXXX have failed to explain and / or justify the fees and expenses from XX/XX/XXXX through XX/XX/XXXX displayed within the Breakdown of outstanding fees and expenses ( See Exhibit " U '' ) enclosed within the XX/XX/XXXX communication from XXXX c/o PHH including, but not limited to, : Property Inspections beginning XX/XX/XXXX ; Title Search Expenses beginning XX/XX/XXXX ; Foreclosure Cost beginning XX/XX/XXXX ; Property Preservation/Maintenance Fee ; and Property Appraisal/BPO. 4. XXXX, PHH, OLS and Attorneys XXXX failed to enclose evidence of an assignment and sale of the paper note and mortgage associated with the above referenced account number from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) as the original lender for the above referenced account number, prior to XXXX XXXX XXXX bankruptcy petition filed on XX/XX/XXXX in the United States Bankruptcy Court for the District of Delaware in Case No. XXXX ( XXXX ) ( See Exhibit " V '' ) and before termination of XXXX XXXX XXXX executory contracts with XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) and the latters wholly-owned subsidiary Mortgage Electronic Registration Systems , Inc. ( MERS ) on XX/XX/XXXX ( See Exhibit " W '' ). ; 5. the instrument titled Corporate Assignment of Mortgage enclosed within both XX/XX/XXXX communications from XXXX c/o PHH ( See Exhibit " X '' ), is falsely uttered forged falsely notarized upon misrepresenting that XXXX XXXX XXXX , XXXX. Successor By Merger to XXXX XXXX, XXXX. FKA XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX assigned the mortgage associated with the above referenced account number to XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX XXXX XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX at C/O PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX, when : ( 1 ) there is no evidence that XXXX XXXX XXXX assigned and transferred the subject note and mortgage before entering bankruptcy on XX/XX/XXXX ( See Exhibit " V '' ) or upon approval from the U.S. Bankruptcy Court for the District of Delaware in Case No. XXXX ( XXXX ) ; ( 2 ) there is no evidence the alleged assignor operated at the alleged address designated within the instrument which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; ( 3 ) there is no evidence that PHH Mortgage Corporation was authorized to act on behalf of the alleged assignee designated within the address ; ( 4 ) the address provided for the alleged assignee is the address for Ocwen Loan Servicing, LLC ( OLS ) and there is no evidence that the alleged assignee operates out of the same address as OLS which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; and ( 5 ) the name and alleged signature of XXXX XXXX XXXX appearing as an alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. Successor By Merger to XXXX XXXX, XXXX. FKA XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX is a forgery, along with the alleged notarization by Florida notary public XXXX XXXX annexed thereto, because both persons were at times employed by OLS. ; 6. enclosed within the two communications from XXXX c/o PHH dated XX/XX/XXXX were two different versions of a five page note instrument ( See Exhibits " Y '' and " Z '' ) wherein neither instrument displays an indorsement by XXXX XXXX XXXX as the original lender, neither instrument has an allonge permanently affixed to page five of the note instrument, and one of the two instruments enclosed a separate - untitled page behind page five of the note that displays the forged name and stamp of XXXX XXXX whose name and varying signatures were identified within the Florida Attorney Generals Crime Division Report titled The Office of the Attorney General Economics Crime Division : Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases that was filed with the Supreme Court of Florida on XX/XX/XXXX as Appendix G in Case No. : XXXX ( See Exhibit " AA '' ). ; 7. XXXX, PHH and Attorneys XXXX failed to prove compliance with 15 U.S.C. section 1641 ( g ) and failed to forward the notice of new creditor forwarded to me as required by 15 U.S.C. section 1641 ( g ). ; and 8. XXXX, PHH and Attorneys XXXX failed to comply with 15 U.S.C. section 7021 ( f ) by failing to provide me the authoritative copy of the transferable record assigned XXXX XXXX. Furthermore, because of the acceleration of the mortgage associated with the above referenced account number pursuant to N.J.S.A. 46:9-6 and demand for payment of the total amount due and owing towards the above referenced account number for the default on XX/XX/XXXX as declared within the foreclosure complaint filed by Litton Loan in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. XXXX ( See Exhibit " G '' ), the latter of which was dismissed by OLS on XX/XX/XXXX ( See Exhibit " G-1 '' ), the note and mortgage connected to the above referenced account number became time-barred as of XX/XX/XXXX pursuant to N.J.S.A. XXXX ( a ). I am demanding the CFPB forward this complaint to law enforcement along with the monitors for the consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). Any response the XXXX, PHH and Ocwen are subject to 18 U.S.C. 1001.
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| 06/10/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX XXXX PHH Mortgage Services ( " XXXX XXXX ), Ocwen Loan Servicing, LLC ( " OLS '' ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) are committing mail fraud in violation of 18 U.S.C. section 1341, the crime of fictitious addresses and persons in violation of 18 U.S.C. section 1342, conspiracy in violation of 18 U.S.C. section 371 and other predicate acts in violation of State and Federal criminal statutes as it pertains to their unlawful debt collection practices and illegal foreclosure in the XXXX XXXX of New Jersey in further violation of the consent judgments entered in the XXXX XXXX XXXX for XXXX XXXX XXXX Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). In response to my XX/XX/XXXX communication forwarded to XXXX, PHH and XXXX XXXX regarding account number XXXX and Docket No. : XXXX ( XXXX XXXX. XXXX ) and made pursuant to 15 U.S.C. section 1962 ( g ) ; 12 U.S.C. section 2605 ( e ) and 15 U.S.C. section 1601 et seq. ; and 15 U.S.C. section 7021 ( f ), Attorneys XXXX responded with communications dated XX/XX/XXXX ( See Exhibits " A '' and " B '' ), while XXXX responded with communications dated XX/XX/XXXX ( See Exhibit " C '' ) and XX/XX/XXXX ( See Exhibits " D '' and " E '' ) with exhibits enclosed thereto that along with the responses are false, deceptive and / or incomplete for the following reasons : 1. the communications regarding the above referenced account number and civil docket number sent from Attorneys XXXX as third-party debt collectors and foreclosure counsel that are tilted MORTGAGE REINSTATEMENT QUOTE '' ( See Exhibit " A '' ) and PAYOFF QUOTE VALID THROUGH ( See Exhibit " B '' ) that are both dated XX/XX/XXXX ; XXXX c/o PHH as debt collectors both dated XX/XX/XXXX ( See Exhibits " D '' and " E '' ) ; and the Monthly Mortgage Statement from XXXX c/o PHH dated XX/XX/XXXX for the payment declared XX/XX/XXXX ( See Exhibit " F '' ), are false and deceptive upon declaring a default as of XX/XX/XXXX for an alleged failure to pay the installment due, while concealing and omitting that : a. the above reference account number went into default with the payment missed for the installment due XX/XX/XXXX and the installments due each month thereafter as declared within the foreclosure complaint filed on XX/XX/XXXX in the XXXX XXXXXXXX of New Jersey under Docket No. : XXXX by Litton Loan Servicing LP ( Litton Loan ) through XXXX XXXX XXXX, XXXX. ( Attorneys XXXX ) on the same day XXXX XXXX died ( See Exhibit " G '' ) ; b. no payments were made for the months due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX following Litton Loans election to accelerate and demand the total indebtedness declared owing towards the above referenced account number upon commencement of foreclosure on XX/XX/XXXX under Docket No. : XXXX ; c. on XX/XX/XXXX, I executed a Trial Modification Agreement prepared and offered by Litton Loan for the above referenced account requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " H '' ) and forwarded the trial modification agreement along with two certified checks each for {$1900.00} dated XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX trial modification payments that were received and cashed by Litton Loan ( See Exhibit " I '' ) ; d. by certified check dated XX/XX/XXXX, I made the last of three trial modification payments for {$1900.00} that was received and cashed by Litton Loan ( See Exhibit " J '' ), the latter of who failed to permanently modify the above referenced account number promised and, instead, maintained the foreclosure action filed the same day as XXXX XXXX on XX/XX/XXXX under Docket No. XXXX wherein XX/XX/XXXX is declared the date of default ( See Exhibit " G '' ). ; e. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1800.00} for payment due as of XX/XX/XXXX ( See Exhibit " K '' ). ; f. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " L '' ). ; g. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " M '' ). ; h. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " N '' ). ; i. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " O '' ). ; j. Litton Loan received and cashed a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " P '' ). ; k. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1600.00} for payment due as of XX/XX/XXXX ( See Exhibit " Q '' ). ; l. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as of XX/XX/XXXX ( See Exhibit " R '' ). ; and m. Litton Loan received and returned a check dated XX/XX/XXXX in the amount of {$1700.00} for payment due as of XX/XX/XXXX ( See Exhibit " S '' ). ; 2. the alleged payment reconciliation histories ( See Exhibit " T '' ) enclosed within one of the XX/XX/XXXX communications from XXXX c/o PHH omit and conceal approximately $ XXXX in payments tendered to Litton Loan towards the above referenced account number with approximately $ XXXX being cashed by Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits " I '' through " S '' ). ; 3. XXXX, PHH, OLS and Attorneys XXXX have failed to explain and / or justify the fees and expenses from XX/XX/XXXX through XX/XX/XXXX displayed within the Breakdown of outstanding fees and expenses ( See Exhibit " U '' ) enclosed within the XX/XX/XXXX communication from XXXX c/o PHH including, but not limited to, : Property Inspections beginning XX/XX/XXXX ; Title Search Expenses beginning XX/XX/XXXX ; Foreclosure Cost beginning XX/XX/XXXX ; Property Preservation/Maintenance Fee ; and Property Appraisal/BPO. 4. XXXX, PHH, XXXX and Attorneys XXXX failed to enclose evidence of an assignment and sale of the paper note and mortgage associated with the above referenced account number from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) as the original lender for the above referenced account number, prior to XXXX XXXX XXXX bankruptcy petition filed on XX/XX/XXXX in the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX Delaware in Case No. XXXX ( KJC ) ( See Exhibit " V '' ) and before termination of XXXX XXXX XXXX executory contracts with XXXX XXXX n/k/a XXXX XXXX XXXX XXXX ( XXXX ) and the latters wholly-owned subsidiary XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( See Exhibit " W '' ). ; 5. the instrument titled XXXX XXXX XXXX XXXX enclosed within both XX/XX/XXXX communications from XXXX c/o PHH ( See Exhibit " X '' ), is falsely uttered forged falsely notarized upon misrepresenting that XXXX XXXX XXXX XXXX XXXX. Successor By Merger to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX assigned the mortgage associated with the above referenced account number to XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX XXXX XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX Trustee for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX at C/O PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX, when : ( 1 ) there is no evidence that New Century Mortgage assigned and transferred the subject note and mortgage before entering bankruptcy on XX/XX/XXXX ( See Exhibit " V '' ) or upon approval from the XXXX XXXX XXXX for the District of Delaware in Case No. XXXX ( KJC ) ; ( 2 ) there is no evidence the alleged assignor operated at the alleged address designated within the instrument which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; ( 3 ) there is no evidence that PHH Mortgage Corporation was authorized to act on behalf of the alleged assignee designated within the address ; ( 4 ) the address provided for the alleged assignee is the address for Ocwen Loan Servicing, LLC ( OLS ) and there is no evidence that the alleged assignee operates out of the same address as OLS which raises possible violations of 18 U.S.C. section 1342 for fictitious addresses ; and ( 5 ) the name and alleged signature of XXXX XXXX XXXX appearing as an alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. Successor By Merger to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, as Trustee under the Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX is a forgery, along with the alleged notarization by Florida notary public XXXX XXXX annexed thereto, because both persons were at times employed by OLS. ; 6. enclosed within the two communications from XXXX c/o PHH XXXX XX/XX/XXXX were two different versions of a five page note instrument ( See Exhibits " Y '' and " Z '' ) wherein neither instrument displays an indorsement by New Century Mortgage as the original lender, neither instrument has an allonge permanently affixed to page five of the note instrument, and one of the two instruments enclosed a separate - untitled page behind page five of the note that displays the forged name and stamp of XXXX XXXX whose name and varying signatures were identified within the Florida Attorney Generals Crime Division Report titled The Office of the Attorney General Economics Crime Division : Unfair, Deceptive and Unconscionable Acts in Foreclosure Cases that was filed with the XXXX XXXX of Florida on XX/XX/XXXX as Appendix G in Case No. : XXXX ( See Exhibit " AA '' ). ; 7. XXXX, PHH and Attorneys XXXX failed to prove compliance with 15 U.S.C. section 1641 ( g ) and failed to forward the notice of new creditor forwarded to me as required by 15 U.S.C. section 1641 ( g ). ; and 8. XXXX, PHH and Attorneys XXXX failed to comply with 15 U.S.C. section 7021 ( f ) by failing to provide me the authoritative copy of the transferable record assigned XXXX XXXX. Furthermore, because of the acceleration of the mortgage associated with the above referenced account number pursuant to N.J.S.A. XXXX and demand for payment of the total amount due and owing towards the above referenced account number for the default on XX/XX/XXXX as declared within the foreclosure complaint filed by Litton Loan in the XXXX XXXX of New Jersey on XX/XX/XXXX in Docket No. XXXX ( See Exhibit " G '' ), the latter of which was dismissed by OLS on XX/XX/XXXX ( See Exhibit " G-1 '' ), the note and mortgage connected to the above referenced account number became time-barred as of XX/XX/XXXX pursuant to N.J.S.A. XXXX ( a ). I am demanding the CFPB forward this complaint to law enforcement along with the monitors for the consent judgments entered in the XXXX XXXX XXXX for the District of Columbia on XX/XX/XXXX ( See Civil Action No. : XXXX ) and XX/XX/XXXX ( See Civil Action No. : XXXX ). Any response the XXXX, PHH and Ocwen are subject to 18 U.S.C. 1001.
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| 05/11/2020 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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XX/XX/XXXX Subject : Ocwen abused of power/Fraudulent created illegally documents To whom it may concern : This is to inform you that the mortgage was originated with XXXX XXXX XXXX, XXXX, on XX/XX/XXXX. On XX/XX/XXXX I received an accelerate letter transferred from XXXX XXXX to XXXX. On XX/XX/XXXX I received an important Legal notice from XXXX stated that as you know, the servicing of your home was recently transferred to XXXX XXXX XXXX the name of the creditor to whom the debt is owed : XXXX XXXX, including a fair Debt collections Act and State Law Notice stated that the servicing of your home loan was transferred to XXXX XXXX XXXX, XXXX. Effective XX/XX/XXXX the name of the creditor to whom the debt is owed : XXXX ( XXXX XXXX. On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX, XXXX. Said that lender loan # XXXX and investor loan # XXXX requesting payment foreclosures in the amount of {$200.00}, XXXX but there was no transfer letter received from XXXX to XXXX XXXX XXXX, or XXXX XXXX. on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR MORTGAGE PASS-THROUGH CETIFICATES, XXXX XXXX XXXX case # XXXX filed a lawsuit under a lost note stated that plaintiff is the owner of said note, but the original promissory note was lost or destroyed subsequent to plaintiffs acquisition thereof, the exact time and manner of said loss or destruction being unknown to plaintiff. Plaintiff was an in possession of the promissory note and was entitled it when loss of possession occurred. The loss of possession was not the result of a transfer by plaintiff or a seizure. The plaintiff can not reasonably obtain possession of the note because its whereabouts can not be determined. Said note is not in the custody or can not or control of plaintiff. The note submitted show that another party owns the note. On XX/XX/XXXX received notice of voluntary dismissal and release of Lis Pendent. On XX/XX/XXXX another Lawsuit was filed again by XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE HOLDERS OF THE XXXX XXXX XXXX XXXX, XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX case # XXXX. On XX/XX/XXXX I received a notice of servicing transfer ( RESPA ) Welcome to ocwen Loan Servicing, LLC. Dear customer ( s ) : Ocwen Loan Servicing, LCC ( ocwen ) welcomes you as a new customer. Effective XX/XX/XXXX, the servicing of your mortgage loan, is, the right to collect payments from you, is transferring from XXXX XXXX XXXX to ocwen. Except in limited circumstances, the law requires that your present servicer send you notice fifteen ( 15 ) days prior to service transfer. In XXXX Ocwen Loan Servicing, LLC ( Ocwen ) stated that Ocwen is the owner or loan servicer of numerous loans throughout Florida. This letter shall serve as evidence and acknowledgment that ocwen has authorized the withdrawal of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as its counsel for every case on the attached exhibit ; has retained XXXX XXXX XXXX XXXX XXXX, to appear and substitute as counsel for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and assume responsibility for those cases as the filing of XXXX XXXX XXXX, XXXX Notice of Appearance. On XX/XX/XXXX I received a Delinquency Notice from Ocwen loan servicing said that you are late on your mortgage payments as of XX/XX/XXXX ; you are 1912 days delinquency on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. Failure to bring your loan current may result in fees and foreclosure- the loss to your home. Ocwen also stated that according to the records made available by the prior servicer the last payment remitted was on XX/XX/XXXX in the amount of {$930.00} and was applied toward the XX/XX/XXXX contractual payment. We received an escrow payment in the amount of {$5900.00} on XX/XX/XXXX. While I made payments to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, including taxes, and home insurance. On XX/XX/XXXX I received a Monthly interest payment amount paid to interest and amount paid to principal {$200.00}, XXXX including current balance as of XX/XX/XXXX. XX/XX/XXXX {$930.00} XXXX, XX/XX/XXXX {$930.00}, XX/XX/XXXX. XXXX, XX/XX/XXXX {$930.00}. XXXX, XX/XX/XXXX, {$930.00} from XXXX XXXX XXXX on XX/XX/XXXX Ocwen loan servicing foreclosed my property incorrectly on behalf of XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE HOLDERS OF THE XXXX XXXX XXXX XXXX. XXXX ; MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX, whose address is c/0 Ocwen Loan Servicing LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is due : principal {$200.00}, XXXX. Interest on the note mortgage from XX/XX/XXXX through XX/XX/XXXX {$44000.00}, Escrow Advances {$45000.00} Property Inspection Fee {$400.00}, TOTAL {$290000.00}. On XX/XX/XXXX my attorney XXXX XXXX received a letter from Ocwen loan servicing admitted that Ocwen incorrectly foreclosed the property. We sincerely apologize for any inconvenience this may have caused. On XX/XX/XXXX I received a loan modification from ocwen loan servicing with an Investor Loan # XXXX including an Investor / owner Name : XXXX XXXX XXXX XXXX XXXX XXXX, As Trustee for mortgage pass-through certificates, XXXX XXXX XXXX, in the amount of {$220000.00}, with a balloon payment in the amount of {$150.00}, XXXX. Please be advised that Ocwen loan servicing fraudulent created multiple escrow accounts including payments history to hurt home owners stated that the lender placed hazard and insurance and taxes on the properly. On XX/XX/XXXX received a letter from Ocwen stated that the mortgage was originated with XXXX XXXX XXXX XXXX XXXX ; on XX/XX/XXXX, we acquired the servicing rights from XXXX XXXX XXXX effective XX/XX/XXXX ; please find a copy of the Notice of servicing transfer notice from XXXX XXXX XXXX dated XX/XX/XXXX and the servicing transfer notice from ocwen dated XX/XX/XXXX. On XX/XX/XXXX I received a letter from PHH mortgage stated that this is an important notice containing information critical to this mortgage account .Ocwen Loan servicing has joined forces with PHH mortgage services XXXX a mortgage company with well-established mortgage origination and servicing capabilities. As a result, we will be consolidating all mortgage accounts into one company, PHH mortgage services { PHH } Effective XX/XX/XXXX ; PHH became the new servicer for this account and will be collecting the mortgage payments forward. On XX/XX/XXXX, received a response letter from PPH mortgage stated that effective XX/XX/XXXX, ocwen loan servicing, LLC ( Ocwen ) acquired servicing of this account in XX/XX/XXXX, ocwen Financial corporation purchased PHH Mortgage services ( PHH } ; PHH is now a wholly owned subsidiary of ocwen Financial corporation.
Ocwen loan servicing has bad habits by fraudulent created escrow accounts and payments history to home owners to foreclose on their properties. Please be advised on and XX/XX/XXXX, and XX/XX/XXXX Ocwen fraudulent illegally created multiple annual Escrow Disclosure Statements Accounts History Stated that they received an escrow payment in the amount of XXXX and the new loan setup Balances is {$42000.00} and Lender placed Hazard insurance projected ending balance is {$52.00}, XXXX {$3000.00}, and projected Ending Balance is {$46.00}, XXXX. In the annual 2019 Year End Escrow Account information Ocwen said that ocwen issued an DISBURSEMENTS IN THE AMOUNT OF {$1.00}, 007, 73 just to create a shortage on the escrow account in the amount of {$1800.00} so ocwen can increased the mortgage. Yes my taxes went up {$260.00} extra, and my home mortgage insurance was increased of {$120.00}. 00 also On XX/XX/XXXX I received a certified mail from Ocwen attorneys XXXX XXXX XXXX with an invalid four digit loan number XXXX stated that you appear to be concerned about the foreclosure that was initiated against your property. However, that foreclosure has been dismissed in light of the loan modification XXXX XXXX entered into Ocwen. I am attaching the other of dismissal. Which is public record? Please be advised that loan number does not exist. Furthermore Mrs. XXXX XXXX XXXX failed to submit proof regarding numerous escrow accounts, and payments history fraudulent created by Ocwen especially the {$5.00}, 906. 12 Ocwen claimed that they received in XX/XX/XXXX. I, m requesting that Ocwen Loan Servicing to submit proof of all escrow accounts disclosure statements and all payments history, including proof of lender placed hazard insurance and taxes, also who own my mortgage, and note including the investor loan # XXXX owner Name XXXX XXXX XXXX XXXX XXXX XXXX, As Trustee for Mortgage pass-Through Certificates, XXXX XXXX XXXX XXXX Ocwen claimed that Ocwen transferred the mortgage to PHH Mortgage, and I called PHH Mortgage and asked them who own my mortgage the agent from the PHH mortgage said to me that XXXX XXXX is the one who own my mortgage. This is to inform you that I received an Substitute Form 1098 submitted to XXXX from Ocwen for the of Year XXXX from said that the mortgage interest received from payer ( s ) borrower { s ) {$8300.00} outstanding principal as of XX/XX/XXXX {$200.00}, XXXX mortgage origination date XX/XX/XXXX, including a Substitute form 1099-c stated that as XX/XX/XXXX amount of debt discharged {$91000.00}. I received a Substitute form XXXX submitted to XXXX from Ocwen for the XXXX XXXX said that the mortgage interest received from payer XXXX XXXX ) borrower XXXX XXXX ) {$8300.00} and outstanding mortgage principal as of XX/XX/XXXX XXXX mortgage origination date XX/XX/XXXX. Also received an substitute form 1298 Submitted to XXXX from Ocwen stated that Mortgage interest received from payer ( s ) borrower ( s ) {$3400.00} OUTSTANDING MORTGAGE PRINCIPAL {$220000.00} including another 1098 submitted to XXXX from PHH mortgage said that mortgage interest received from payer ( s ) borrower ( s ) {$4700.00} the outstanding mortgage principal {$210000.00}. On XXXX, XXXX received a statement from PHH mortgage said that your loan balance is {$210000.00}, principal Balance second mortgage {$30000.00}, your Loan started XX/XX/XXXX, your Loan ends XX/XX/XXXX. Remaining payments XXXX prepaid principal {$0.00}, prior year principal paid - {$29000.00}, and prior year interest prepaid {$4700.00}, combined Balance first and second mortgage is {$240000.00}. Mortgage fraud is a criminal offence. I will forward a copy to the Attorney General in Florida, including the attorney General in New Jersey as well requesting an investigation regarding Ocwen bad behavior by fraudulent created multiple escrow accounts, payments history including lender placed hazard and insurance, taxes. Because Im totally frustrated, mentally, physically with Ocwen, enough is enough. Ocwen do not respect the Law.
I will appreciate very much if someone could look in this matter for me if you need any more documents please feel free to contact me via my email XXXX or on my cell ( XXXX XXXX XXXX Thank you for your cooperation.
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| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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We are working with PHH mortgage for modification of loan on our home during this process PHH mortgage reassure us that as long as they are working on our application of our home It will not go in to foreclosure.
Im writing to appeal the foreclosure legal action on my home. XXXX owns a construction business and business pretty much shut down during COVID. This loss of income impacted on our ability to make our payments on our house. We have sent numerous Mortgage Assistance Applications to PHH Mortgage. Each time, PHH Mortgage responded that they needed additional documents. We have promptly responded by providing the additional documents needed. We are frustrated that our efforts did not result in a loan modification that we needed to save our home from foreclosure legal proceedings. We have been informed that the Sheriff Sale was held on XX/XX/XXXX and our mortgage is currently in the redemption period. English is our second language and we tried to understand what was needed to fulfill the documentation requirements. We met with HUD Certified Housing Counselor, XXXX XXXX of XXXX XXXX XXXX in XXXX, MN on XX/XX/XXXX. We believe that PHH has failed to do their duty by dual tracking our loan modification request therefore we are appealing to PHH to reverse the foreclosure sale and filing a complaint with CFPB.
Brief History : Missed first payment XX/XX/XXXX Sent first Mortgage Assistance Application via email XX/XX/XXXX to XXXX Received letter from PHH XX/XX/XXXX application is incomplete requesting one recent paycheck stub dated from XXXX within the last 90 days that reflect year-to-date income or two most recent bank statements dated within the last 90 days showing income deposits amounts.
Resent 2nd Mortgage Assistance Application on XX/XX/XXXX with copies of paycheck stubs and 2 months of bank statements showing income deposit amounts per request via email to XXXX.
Sent 3rd Mortgage Assistance Application on XX/XX/XXXX with bank statements and P/L statements to XXXX Sent letter via email to XXXX on XX/XX/XXXX with requested additional documents.
Sent XXXX P/L Statement via email XX/XX/XXXX to XXXX.
Spoke with account specialist on XX/XX/XXXX. Conversation was a mix of hope and anticipation. She shared that my loan modification was still undergoing a review, and advised me not to be overly concerned, but rather to grant them some time to meticulously assess the situation. She mentioned that the review process might take up to 30 days, and so I waited with optimism, hoping for a positive outcome. Getting in touch with the relationship manager has been a bit of a journey, often requiring 3-5 weeks of patience just to have an appointment conversation. Nonetheless, my commitment to cooperating with them has been unwavering. My partner and I diligently completed all the tasks requested from us, even taking on extra employment to demonstrate our sincere dedication. We genuinely believed that we were collaborating toward a viable solution, putting in not only hard work but also trust in PHHs efforts.
Received email dated XX/XX/XXXX from XXXX XXXX, assigned case manager with appointment date of XX/XX/XXXX at XXXX pm XXXX.
Spoke with XXXX on XX/XX/XXXX she conveyed some disheartening news the loan modification request had unfortunately, been denied on XX/XX/XXXX. Naturally, I was taken aback and needed to understand why this decision has been made. XXXX kindly explained that our current income wasnt sufficient to meet the qualification criteria. She emphasized the need for additional proof of income spanning three months- XXXX, XXXX, and XXXX. Trying to convey our commitment to resolving this, I shared that we had an extra income stream amounting to {$1200.00} per month XXXX requested these proofs on income.
Received email XX/XX/XXXX from XXXX XXXX requesting updated income information, P/L for months of XXXX, XXXX and XXXX via email at XXXX or reply to this email.
My utmost concern was the looming possibility of foreclosure. The thought of losing our home and the impact it would have on m XXXX XXXX XXXX daughter who was born in this home in XXXX. We are concerned what would happen to her school? She is a straight A student, with her education and stability left me deeply worried. We built this house in XXXX we bought the lot separately from the house motgage, we have upgrade and finished the basement adding 1bed room, and 1 bath, dining room, bar, home theater, classical dance studio, the PHH value our house at about {$450000.00} with out going inside the house. We can not give up our equities on our home. And our home is one of the biggest house on that area and close to our home the smaller house sold for about {$390000.00}, Our house is not only our home but also served as None Profit 503c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I trained my student to preserved XXXX cultural and heritage for community. Where would I train my student now, Why would they want our home? We built our home for us to live there for the rest of our lives.
With these anxieties pressing on my mind, I decided to ensure the security of the application by emailing it to both XXXX and XXXX the requested documents on XX/XX/XXXX ( same day ).
XXXX requested documents again to XXXX on XX/XX/XXXX simply to guarantee that they had received everything they needed from my end. A follow-up call provided reassurance that the information was indeed received and I was asked for some more patience as they undertook their review process.
Each time I communicated with a PHH mortgage specialist, my main concern was avoiding foreclosure. The specialists I spoke to consistently assured me that as long as PHH was actively engaged in the loan modification process, my home would not face the threat of foreclosure. This consistent message cultivated trust in me. I believed that PHH was genuinely invested in working alongside us. In these trying times, my hopes are intertwined with the notion that PHH recognizes the urgency of our situation and the emotional toll it was taking on my family. I placed my trust in their commitment to assisting us in securing our home and find a feasible solution.
Emailed third time requested documents to XXXX on XX/XX/XXXX.
Received letter dated XX/XX/XXXX from PHH indicating that they will review the application to determine whether it is complete.
Sheriff Sale held XX/XX/XXXX XX/XX/XXXX brought an unexpected and deeply unsettling event to my doorstep. A real estate agent 's knock delivered the shocking news that our home had been sold at the Sheriff 's sale auction on XX/XX/XXXX. The abruptness of this revelation caught us entirely off guard. The belief that we were still actively engaged with PHH Mortgage to explore a loan modification solution adds another layer of confusion to the situation. Reacting swiftly, I contacted PHH Mortgage on the very same day for clarification. Despite the disconcerting news I had just received, the account specialist agent conveyed that our house was still in the process of being modified. Seeking further assurance, I probed the possibility of a foreclosure sale. Reassured by the mortgage specialist agent 's response that our house was indeed undergoing modification and not foreclosure. However, after they put me on hold for 10 mins, the subsequent conversation with a different PHH representative took a sudden and unexpected turn. Learning that our house had been sold and someone had already purchased it, undoubtedly brought about a whirlwind of emotions. Attempting to convey our ongoing commitment to finding a modification solution, only to be met with a sense of finality and the notion that it was too late, was incredibly disheartening.
We were left feeling as if an essential line of communication had been abruptly cut off. The referral to consulting a lawyer for further guidance added a new dimension to our journey. It's clear that even the lawyer, while empathetic, was limited in their ability to provide comprehensive information due to the complexities of the situation. The Lawyer referred us to contact the loss mitigation department. I explained my situation to the loss mitigation person. He said there is nothing he can do all he can say is to get a lawyer. He said he told all the customers in the same situation, like us to get our own lawyer. The weight of uncertainty and the loss of control over our living situation is incredibly distressing. My concerns about the future of our home and the emotional toll on our family are entirely valid. In navigating these difficult circumstances, I am still seeking the necessary support and resources to find the way to obtain our house back. We dont want to lose our home.
PHH Mortgage has failed to stop foreclosure proceedings. MN Statute 582 subd 6.c requires that if the Servicer has received a loss mitigation application after the foreclosure sale has been scheduled, but before midnight of the seventh business days prior to the foreclosure sale date, the Servicer must halt the foreclosure sale and evaluate the application.
On XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX in XXXX, MN spoke with XXXX ID XXXX XXXX of PHH. XXXX said that there just wasn't enough time to review the loan modification. He said normally it takes 37 days to review the loss mitigation packages. XXXX argued that if that was the case then why did the case manager arrange a phone meeting on the XXXX and requested 3 months of income then. He said that they were hopeful that the modification dept can be completed within timeframe and they were instances in the past which could have been completed swiftly and they do not require the entire time period to review them. She said that is not fair when one person gets their loan modification reviewed in time, but not for us. He then provided information on how to appeal.
XXXX asked if we have received any information regarding HAF funds through HomeHelpMn program. We have never heard of this program. Had we been made aware of this program, we would have applied for it. The HomeHelpMN program closed XX/XX/XXXX. We have been made aware that PHH is a participant of the HAF program. Per CFPB, PHH is required to provide borrowers accurate information about the loss mitigation process, including, when applicable, accurate information about PHHs participation in the HAF program and how to communicate with PHH throughout the HAF application process.
We have made and received many phone calls to and from PHH. Attached is the phone log.
A complaint with Consumer Financial Protection Bureau ( CFPB ) has been filed on XX/XX/XXXX. We are asking PHH Mortgage to reverse the foreclosure legal proceedings due to their violation of dual tracking. They did not halt the foreclosure while reviewing our loan modification request and to help us find a solution to help us stay in our house whether it is a loan modification or partial claim.
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| 04/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Dear Department of The CFBP OMBUDSMAN, Attention Director XXXX XXXX, I am sending this correspondence and would like to fill a complaint against your department as well as the crooked fraudulent mortgage company who is trying to steal my home.
It is XX/XX/XXXX and your department for the millionth time, once again with inclosing documents NOW, this CROOKED DISHONEST built FRAUDULENT machine is now put me in DEFAULT. You know what that means right?
My family and I are going be homeless in a little over 30 days.
A HOME I have been in for 17 years. They are trying to steal my home once again, and all your department does is watch it happened even after I wrote, presented numerous times my evidence such as documents and recorded conversations that can clearly prove what I am saying is true. I have been filling complainants to your department since XXXX about OCWEN In which you sued OCWEN LOAN SERVICING for XXXX XXXX dollars, and as a homeowner, I was never offered or actually even given XXXX single XXXX from what this miserable piece of XXXX company has done to me and my family that your department sued on behalf of homeowners and all the money went to the government and then in return, the company sticks to the homeowner to get their money back from the same piece of XXXX CEO of which was XXXX XXXX XXXX now is OCWEN and Supposedly now PHH MORTGAGE who uses the same fraudulent practices but with just a different name who is trying to illegally STEAL my home For the 2nd time while your department THE CFPB sits back and watch it happen when you know that you SUED OCWEN. They were found guilty under court order for the exact XXXX XXXX thing they're doing to me and my family and I can't believe you allow this to happen.
Every department, every agency, everyone tells me that this is the department, that THE CFPB can help me : You can't do XXXX and you won't do XXXX. Doesn't anybody IN YOUR department have a backbone? Any kind of SELF-WORTH? Does anybody in The department give a XXXX if a family IS thrown out on the streets, homeless?
YOU let them, OCWEN steal everything away from them, what they work so hard for, for YEARS I put money in my HOME all to have this fraudulent, greedy built machine come and steal it? ANYTIME they want. Change a contract putting it what we were intended it to say Years later, Try to add an extra {$100000.00} into my mortgage 3 years after I sighed a modification with the same piece of XXXX company that made the deal, agreed to it, and have the audacity to come back 3 years later and add an extra {$100000.00} to my mortgage and you think that's OK? You govern XXXX.
ADD other XXXX fees and you allow that to happen! When someone I, who signed a contract that I clearly showed this lazy XXXX department they broke it with the intent to defraud me, mislead me, lie to me, to cheat me, DID NOT disclose to me the full terms of everything that was included in my fraudulent modification that I signed back XXXX, In which I paid {$54000.00} into THROUGH A GOVERNMENT PROGRAM ; HAMP and have recorded conversations that I have with permission speaking to OCWEN 'S OMBUDSMAN department a lady by name of XXXX XXXX ADMITTING on the recording that they did not do the proper research to inform me of any other monies that they said I would OWE 3 years later. The true facts, full disclosure it was all hidden from me for Ocwen to use and to come back at a later time to do exactly what their doing now.
I have proof that I was never given full disclosure which I thought was illegal. Just listen to Recordings if you give a XXXX.
Admitting that they made a mistake what else do you need?
This is negligent on their part and they should be responsible for all the XXXX, all the things they put me and my family through, and also compensate my family for the 11 years of torment the XXXX that I put up with this XXXX piece of XXXX company. I actually presented, shown documents with recorded conversations that confirms everything that I am saying to you and you still can't and won't do XXXX.
Doesn't this department understand this is my home? That I just can't get another one when they ruined every bit of my chance of having some kind of real or decent life? I just wanted to have a mortgage that I promised to pay that I could afford, that I basically agreed to work hard for and pay, that's all I wanted. But I still got a fraudulent, greedy company who wants to take my money illegally and if I don't pay it they threatened to foreclose on my property losing everything that I put into it. This is unbelievable and every single XXXX of you that works for the CFPB should be ashamed of yourself you are XXXX XXXX worthless.
I have Been defending my home from this fraudulent company since XXXX and all the government agencies sit back, refer me to CFPB and you don't do XXXX. NOW You The department CFPB let OCWEN KNOW it's open season BABY take, steal, anybody 's home they want and we won't do a XXXX XXXX thing! This is unbelievable, unacceptable and yes I want this to be published, printed shown, given to the public to show there is no defense against a fraudulent mortgage company that I might add choose ME, you don't get a choice. You don't get to pick your mortgage company that has a background, a track record of not stealing homes as a business practice.
How in the XXXX can OCWEN LOAN SERVICING with XXXX complaints worldwide In 49 States been sued numerous hundreds of times even by government agencies your self the CFPB the department of the currency and for the exact XXXX thing they doing to me and my family, have an F RATING with the XXXX XXXX XXXX WHO can even be allowed to have, to hold, to Collect, be responsible and even purchase my mortgage.
THIS IS MY OPINION, this department and all the other GOVERNMENT AGENCIES ARE a joke, you should all go home, you should return all the money back to the government for being paid for doing XXXX because nobody in your department, every agency, every government, department, everyone I speak to tells me that you are the XXXX that could help homeowners against mortgage fraud. Which I have clearly shown you everything that I state is true with facts, presented documents with recorded conversations That I recorded with permission that I am going to send again that is confirming that my modification in XXXX I was 'confirmed my mortgage is now current ' by the same piece of a XXXX company and come back 3 years later and try to add extort an extra {$100000.00} to the agreement that I made in XXXX is unbelievable that you just allow that to happen.
I provided proof of everything that I just stated, confirming what they told me, what they promised me, what they said to me and I sighed a new modification back in XX/XX/XXXX. All this piece of XXXX company did was issue me a new loan number and that new loan number I had to believe all of the correspondents that were presented to me and told me all with the new lone number I no longer had 2 separate loan numbers, this is how easy it is for this crooked piece of XXXX company to steal my house issued a new loan number And I sighed a new contract what I believe was a binding contract in XXXX which turns out to be worth a piece of XXXX. WORTHLESS. And the laws that govern contracts there are no rules, regulations that a fraudulent mortgage company like this one can break at anytime they want. Even in my opinion the CROOKED COURTS, the judges who rule, the paid attorneys are paid by these billion-dollar fraudulent mortgage companies for OCWEN like XXXX 's to perform, lie, cheat, and actually go against all the rules, regulations that they swarmed by Under oath all for that almighty dollar. The billion-dollar company pays them with no ounce of human decency, it's just about the money you perform you get paid no matter who you hurt and what they do. It's actually disgusting to me that this is why half of America is homeless because of fraudulent piece of XXXX companies that are allowed to put in fees and costs expenses, break contracts, demand payment, and if you don't pay it they threaten to foreclose on your property, hire their XXXX Attorney that lie, ignore. suppress evidence, everything that they have sworn by. In my opinion, they are as crooked and as fraudulent as the companies that hire them. THE ATTORNEY 'S in my opinion are like whores, they get paid to perform, process the papers to steal your home and all the courts do is allow it to happen and CFPB that is supposed to govern, regulate, ENFORCE don't do XXXX.
IN MY opinion, this is why half of America 's is HOMELESS living on the streets cause of greedy bastards that have no Human decency for any human decency it's about GETTING rich no matter whose life we, hurt ruin, it doesn't matter how many. And the government that is supposed to PROTECT homeowners just let it happen.
What evidence do you need agaisnt a fraudulent mortgage company that gets rich by stealing homes, you want them to be honest, admit their wrongdoing, If that's what you need your the XXXX? Your enforcement is a freaking joke. I only pray that someday XXXX returns the favor, I'm gon na pray hard because Karma is a XXXX! I am just telling you now, I'm living proof of all of it.
This is has consumed my life has hurt my family to the core, but I guess you don't give a XXXX which is why half of America is homeless to this day because of fraudulent mortgage companies and departments from the government that is supposed to stop it, oversee it, in force laws doesn't do XXXX, I'm living proof.
When you have to spend all your money defending your home all just to have the judges completely throw out and rule against the homeowner in favor of the fraudulent mortgage company that are known to be fortunate with a victim of fraud, have a track record of fraud, gives the fraudulent piece of XXXX company the right to sue the homeowner for all their fees and attorney cost for just trying to defend their home. Someone's on the payroll in my opinion. Your Department CFPB just sends the correspondence to the crooked fraudulent mortgage company and if they don't wish to respond your department just closes the complaint : it's a joke!
Your department is a joke.
You should tell people when they buy a house that they could be defrauded out of it anytime, their mortgage company wants, and their ain't A XXXX XXXX thing you or anybody can do about it. In my opinion, your a bunch of XXXX XXXX. This department, the government agency is just gon na let them STEAL my HOME. Let me tell you something ; when you take everything away from a man and try to hurt his family he's got nothing to lose.
Who knows someday they might make a movie about me.
You know the old saying, '' you get more bees with honey. '' But honey doesn't work when you dealing with XXXX!
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| 02/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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That this is a partial outline of the " FAKE '' Lawyers, Mortgage Back Securities and the appearance of " MONEY LAUNDERING '' by OCWEN et al The Cover Up and the number of Lawyers and Judges involved in the Cover Up is unbelievable most are listed below.
That I XXXX XXXX XXXX complain against all that are listed below, any and all information by those listed should be demanded to turn over any and all information on XXXX XXXX XXXX to the CFPB.
That XXXX XXXX should not be allowed to Sell Bonds that they do not follow through in paying when there is no POA for OCWEN ROBO signers.
That XXXX XXXX states clearly that they have no ownership - while OCWEN states clearly they are the lender in the 1099.
I have never taken a loan from OCWEN. OCWEN was the Servicer. OCWEN is MONEY LAUNDERING " FAKE '' MORTGAGE BACK SECURITIES with the help of many lawyers. All Lawyers need to produce the information they have on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX and any and all contacts with OCWEN That this is the XXXX Complaint. That prior to the Forecloser on XX/XX/XXXX I filed a complaint. THE CFPB did NOTHING to help me. THE CFPB and AG XXXX XXXX filed lawsuits against OCWEN ignoring the people whose information they used, allowing allowing money laundering to continue. That the information I have ACCUMULATED shows The MONEY LAUNDERING by OCWEN with the collusion of the lawyers, attorney generals, governors et al that appear to be involved in the cover-up of the scheme THAT TODAY all the documents described below and attached along with 3 new documents not described below show the Collision of all to money laundering through Ocwen.
On or around XX/XX/XXXX My home was illegally foreclosed on with a FAKE mortgage-backed security the home owner is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED CERT XXXX On or Around XX/XX/XXXX XXXX XXXX XXXX XXXX answered a subpoena stating clearly they had no information, on any loan in my name, on my property. XXXX XXXX XXXX also file this in the court.
On or around XX/XX/XXXX I received a 1099 stating that OCWEN THE SERVICER for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED CERT XXXX was the lender on the home on or around XX/XX/XXXX and that I had abandoned THE HOME that I am still in.
Money Laundering, Misprision of a Felony 18 U.S. Code 4, Rico and Racketeering, Retaliation and Retribution, Forgery, Perjury, et al.
That asking the Commissioner if it is not his obligation to report corruption under the Law and Professional Code of Conduct : The Commissioner XXXX XXXX response That is a Trick Question The Criminal COVER UP is a Scheme of many Judges and Lawyers These crimes come from the COVER UP of Divorce Lawyer XXXX XXXX XXXX 's criminal spree from around XX/XX/XXXX with the forgery of XXXX XXXX signature of an addendum of her Trust Agreement that gave XXXX oversight and made her Trustee of her Real Estate and monies et al. From the divorce of JWG without a Property Settlement and clear reference in Divorce Decree to a split of all properties to be XX/XX/XXXX which was bypassed with a Liquidation Agreement without XXXX XXXX XXXX signature and done by a lawyer not licensed in Virginia. From XXXX and XXXX XXXX XXXX 's scheme with XXXX from XX/XX/XXXX till today with thefts and deliberate, willful acts that are and were malicious, violent, oppressive, fraudulent, wanton or grossly reckless. The swindling of {$30000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al.
Banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, f/k/a - as successor-in-interest to XXXX BANK, Sevicer : OCWEN LOAN SERVICING LLC : XXXX XXXX XXXX, XXXX XXXX, Aka Judge XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Lawyers : 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 , 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 Aka XXXX XXXX XXXX , XXXX XXXX XXXX Aka XXXX XXXX XXXX XXXX : XXXX XXXX , XXXX : XXXX XXXX , XXXX XXXX , XXXX XXXX , Judge XXXX XXXX , XXXX XXXX XXXX Commissioners of Accounts : XXXX XXXX , XXXX XXXX Judges : Judge XXXX XXXX , Chief Judge XXXX XXXX , Judge XXXX XXXX, Judge XXXX XXXX , Judge XXXX XXXX , Judge XXXX XXXX XXXX : XXXX XXXX XXXX XXXX , XXXX XXXX Florida : Governor XXXX XXXX , AG XXXX XXXX Virginia : AG XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB, U.S. Securities and Exchange Commission ( SEC ) , Department of Justice ( DOJ ), FBI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 - 50 That since on or around XXXX / XXXX XXXX has stated clearly an alleged loan did not exist, That XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOAN XXXX XXXX XXXX BACKED CERT XXXX IS A FAKE Asset Backed Cert that does not exist. that the chain of acts and actions by Banks, Lawyers, the SEC et al had VOIDED any such loan along with and not limited to the law under the Virginia State, the Federal, the UCC and the FDIC et al.
But, the attached Exhibit 1 from XXXX XXXX putting into writing what they had already told XXXX in taped conversations and to the CFPB, that they After undergoing a detailed search, I am unable to locate any information relating your subpoena attached by XXXX XXXX XXXX authorized Custodian of Records. All taped XXXX XXXX, OCWEN phone calls are from the CEO XXXX XXXX XXXX, past CEO XXXX XXXX XXXX, Ocwen CEO XXXX XXXX, retiring, and now former XXXX CEO XXXX XXXX SOME OF THOSE INVOLVED IN COVER-UP OF MONEY LAUNDERING and that I file a complaint against : XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX OCWEN LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX XXXX XXXX XXXX Florida Bar Number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Work XXXX XXXX XXXX XXXX XXXX XXXX Fla BAR # XXXX XXXX XXXX XXXX, XXXX, FL XXXX Office : XXXX XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX , XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX OCWEN Contract XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX XXXX OCWEN Contract Manager XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX .
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX - NC/SC Foreclosure Foreclosure Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ph : XXXX XXXX Fx : XXXX XXXX * Licensed in North Carolina, South Carolina, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX.
XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX State of Florida Capitol XXXX XXXX XXXX XXXX .
XXXX, FL XXXX ( XXXX ) XXXX AG XXXX XXXX Office of Attorney General State of Florida The Capitol XXXX XXXX, FL XXXX XXXX AG XXXX XXXX Attorney General 's Office XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Phone : ( XXXX ) XXXX Commissioner Foster XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Commissioner XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau / CFPB XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX 1 - XXXX XXXX Doe 1 - 50 That this For Fraud should references the Lis Pendens for Fraud filed on XX/XX/XXXX in the Circuit Court of the City of XXXX for the property - Located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Legal : Account Number : XXXX, Primary Property Class : DETACHED HOUSE ( XXXX ), Map-Block-Lot Number : XXXX, Study Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Legal Description : LOT XXXX & XXXX LOT XXXX BLK XXXX SEC XXXX XXXX XXXX That the attached Exhibits to the XX/XX/XXXX Lis Pendens are referenced herein.
That the documents show the pattern and practice of ROBO signers who have signed documents that have been filed against XXXX XXXX XXXX XXXX, XXXX VA XXXX.
Fake Asset Back Certificate by all appearance used for Money Laundering by XXXX XXXX and or OCWEN et al Fake Loan No.
Fake / Fraudulent Documents ALL signed by ROBO signers with no STANDING and or LEGAL AUTHORIZATION That XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED CERT XXXX IS A FAKE Asset Backed Cert that does not exist.
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| 02/28/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, my late husband and I executed a sub-prime / adjustable interest rate refinance mortgage loan transaction wherein XXXX XXXX XXXX XXXX ( " New Century '' ) designated itself the lender, my late husband was the sole obligor who executed a promissory note, and we both executed a mortgage instrument wherein Mortgage Electronic Registration Systems , XXXXnc. ( " MERS '' ) as the alleged nominee for New Century was declared the " mortgagee ''.
In XX/XX/XXXX, XXXX XXXX became a Chapter XXXX Bankruptcy Debtor in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX, at which time, the local land records were void of any instruments asserting a transfer and assignment of my mortgage loan for MERS as the alleged nominee for XXXX XXXX remainedthe purported mortgagee of record. A true copy of XXXX XXXX 's bankruptcy petition is annexed hereto as Exhibit A.
On XX/XX/XXXX, the Chapter XXXX Trustee for New Century 's bankruptcy filed a rejection of executory contracts to cancel any agreements betweenthe debtor, MERSCORP Inc. ( " MERSCORP '' ) and the latter 's subsidiary MERS. A true copy of New Century 's rejection of executory contracts with MERSCORP and MERS is annexed hereto as Exhibit B.
In XX/XX/XXXX, Litton Loan Servicing, LP ( " Litton Loan '' ) as our mortgage servicer instructed us to become delinquentin order to qualify for a loan modification being our payments had increased due to the adjustable interest rate. In good faith, my late husband and I followed Litton Loan 's instructions by missing the payment due XX/XX/XXXX and thereafter.
Instead of modifying our loan upon us following instructions to become delinquent, Litton Loan initiated foreclosure proceedings by complaint filed XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX, on the same day my husband departed this life, by asserting that : ( 1 ) because of the default on XX/XX/XXXX, Litton elected to nullify the original maturity date of XX/XX/XXXX by accelerating the total principal sum with interest declared due pursuant to N.J.S.A. 46:9-6 as of XX/XX/XXXX and ( 2 ) MERS as the alleged nominee for XXXX XXXX assigned our mortgage loan on XX/XX/XXXX, after New Century entered bankruptcy in XX/XX/XXXX and after New Century cancelled its executory contracts with MERSCORP and MERS in XX/XX/XXXX. A true copy of the foreclosure complaint filed in the Superior Court of New Jersey under Docket No. XXXX by Litton Loan on XX/XX/XXXX, the same day my husband died, is annexed hereto as Exhibit C.
Towards the end of XX/XX/XXXX, I was able to negotiate a trial modification with Litton Loan wherein the latter required that I make three equal payments of approximately {$1900.00} each, starting XX/XX/XXXX through XX/XX/XXXX, in order to receive a permanent modification. As displayed within Exhibit D, I fulfilled my obligation by making the payments demanded by Litton Loan towards the trial period modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Litton Loan breached its promise to provide me with a permanent modification. In total, Exhibits D through M, displayed where I tendered approximately {$21000.00} in payments to Litton Loan for the months of XX/XX/XXXX through XX/XX/XXXX, with at least approximately {$16000.00} in payments being cashed by Litton Loan and the latter refused to provide me with a permanent modification.
In XX/XX/XXXX, Ocwen Loan Servicing, LLC ( " Ocwen '' ) became the servicer for my mortgage loan and maintained the aforementioned foreclosure action under Docket No. XXXX without de-accelerating my mortgage loan because of the default as of XX/XX/XXXX as declared within the complaint filed on XX/XX/XXXX, the same day my husband died ( See Exhibit C ).
In XX/XX/XXXX, Ocwen caused the first foreclosure action under Docket No. XXXX to be voluntarily dismissed as displayed within Exhibit N annexed hereto.
On XX/XX/XXXX, Ocwen entered into a consent judgment with the CFPB and 49 State Attorneys General to prohibit Ocwen 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed asConsumerFinancial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( CaseNo. 13-cv-2025-RMC ) in the U.S. District Court for the District of Columbia.
On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit O, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen.
On XX/XX/XXXX, Ocwen further violated the aforementioned consent judgment upon commencing a second foreclosure action in the Superior Court of New Jersey under Docket No. XXXX, a copy of which is annexed hereto as Exhibit P, wherein : ( XXXX ) my mortgage loan was already time-barred from foreclosure upon the acceleration pursuant to N.J.S.A. 46:9-6 upon commencing the first foreclosure action on XX/XX/XXXX under Docket No. XXXX ( See Exhibit C ) that was dismissed in XX/XX/XXXX ( See Exhibit N ) ; ( 2 ) Ocwen recited two falsely uttered - falsely signed - forged - falsely notarized instruments misrepresented to be assignments of my mortgage ; and ( 3 ) Ocwen falsely asserted a default occurred as of XX/XX/XXXX, contradicting the first foreclosure action setting forth a default as of XX/XX/XXXX, falsely implying payments were made for the months of XX/XX/XXXX through XX/XX/XXXX, and concealing approximately {$21000.00} in payments that I tendered and forwarded to Ocwen 's predecessor / affiliate company Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), wherein at least approximately {$16000.00} was cashed.
On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a third falsely uttered - falsely signed - forged - falsely notarized instrument titled " Corporate Assignment of Mortgage '' annexed hereto as Exhibit Q, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen.
On XX/XX/XXXX, PHH Mortgage Corporation ( " PHH '' ) entered into a consent judgment with 49 State Attorneys General to prohibit PHH 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed asState of Alabama, et al. v.PHH Mortgage Corporation ( Case No. 1:18-cv-00009-TFH ) in the U.S. District Court for the District of Columbia .
On XX/XX/XXXX, PHH violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit R, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by PHH and or its affiliate company Ocwen.
To present date, XXXX, XXXX ( " XXXX '' ), PHH and XXXX XXXX ( " XXXX '' ) are illegally maintaining foreclosure against my home by seeking enforcement of an already time-barred mortgage loan, while concealing approximately {$21000.00} in payments that I tendered as of XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), and using the aforementioned false and forged evidence along with a counterfeit note instrument annexed hereto as Exhibit S, wherein a separate page displays an undated stamp and forged signature of " XXXX XXXX '' whose varying signatures and unoriginal stamps were mentioned inthe Florida Office of theAttorney General Economic Crimes Division titled Unfair, Deceptive AndUnconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ).
Furthermore, despite receiving at least three FDCPA validation letters and Qualified Written Request dating back to XX/XX/XXXX through XX/XX/XXXX, NewRez, PHH, Ocwen and RAS have either : ( 1 ) failed to response as required by applicable laws ; and / or ( 2 ) provided incomplete and or false responses in violation of applicable laws.
Additionally, by order entered by the U.S. Bankruptcy Court for the District of Delaware on XX/XX/XXXX in Case No. XXXX that is annexed hereto as Exhibit T, the Trustee for XXXX XXXX 's bankruptcy was directed to forward me certain documents that I requested prior to their destruction. In return, I received several documents including, but not limited to, a " Telephone Verification of Employment '' and " Underwriter 's Income Analysis for Full Docs '' for my husband that was falsified by New Century and / or its successors upon falsely declaring my husband 's income earned was {$9600.00} a month and {$110000.00} a year for XXXX which was extremely exaggerated and false, and XXXX XXXX and / or its successors further falsified the loan application by including my earnings for XXXX and XXXX even though I was a non-obligor. A copy of the falsified income documents received from XXXX XXXX 's bankruptcy trustee in the year XXXX is annexed hereto as Exhibit U.
Hence, the incomplete responses to by FDCPA and QWR letters that I received from XXXX, PHH and XXXX conveniently omitted the aforementioned falsified income verification information that was forwarded to me in the year XXXX from the Trustee in XXXX XXXX 's bankruptcy matter ( See Exhibit U ), which New Century and / or its successors illegally created to approve my late husband and I for a loan that we could not afford and for which XXXX and PHH should have in their possession.
In closing, the aforementioned issues and events is causing me a great deal of anguish, mental and emotional distress, especially the fact that XXXX, PHH and XXXX continue to falsely assert that no payments were made as of XXXX XXXX, XXXX, while omitting and concealing approximately {$21000.00} in payments made between XXXX XXXX, XXXX through XXXX XXXX, XXXX during the hardest time in my life upon the death of my husband on XX/XX/XXXX, the same day Litton Loan commenced a foreclosure upon the default on XXXX XXXX, XXXX which is the result of my husband and I following Litton Loan 's instruction to become delinquent to qualify for a modification.
|
| 02/28/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, my late husband and I executed a sub-prime / adjustable interest rate refinance mortgage loan transaction wherein XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) designated itself the lender, my late husband was the sole obligor who executed a promissory note, and we both executed a mortgage instrument wherein Mortgage Electronic Registration Systems , Inc. ( " MERS '' ) as the alleged nominee for XXXX XXXX was declared the " mortgagee ''.
In XXXX of XXXX, XXXX XXXX became a Chapter XXXX Bankruptcy Debtor in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX, at which time, the local land records were void of any instruments asserting a transfer and assignment of my mortgage loan for MERS as the alleged nominee for XXXXXXXX XXXX remainedthe purported mortgagee of record. A true copy of XXXX XXXX XXXX bankruptcy petition is annexed hereto as Exhibit A.
On XX/XX/XXXX, the Chapter XXXX Trustee for XXXX XXXX XXXX bankruptcy filed a rejection of executory contracts to cancel any agreements betweenthe debtor, XXXX XXXX. ( " XXXX '' ) and the latter 's subsidiary MERS. A true copy of XXXXXXXX XXXX XXXX rejection of executory contracts with XXXX and MERS is annexed hereto as Exhibit B.
In XXXX of XXXX, Litton Loan Servicing, LP ( " Litton Loan '' ) as our mortgage servicer instructed us to become delinquentin order to qualify for a loan modification being our payments had increased due to the adjustable interest rate. In good faith, my late husband and I followed Litton Loan 's instructions by missing the payment due XX/XX/XXXX and thereafter.
Instead of modifying our loan upon us following instructions to become delinquent, Litton Loan initiated foreclosure proceedings by complaint filed XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX, on the same day my husband departed this life, by asserting that : ( 1 ) because of the default on XX/XX/XXXX, Litton elected to nullify the original maturity date of XX/XX/XXXX by accelerating the total principal sum with interest declared due pursuant to N.J.S.A. 46:9-6 as of XX/XX/XXXX and ( 2 ) MERS as the alleged nominee for XXXX XXXX assigned our mortgage loan on XX/XX/XXXX, after XXXX XXXX entered bankruptcy in XX/XX/XXXX and after XXXX XXXX cancelled its executory contracts with XXXX and MERS in XX/XX/XXXX. A true copy of the foreclosure complaint filed in the Superior Court of New Jersey under Docket No. XXXX by Litton Loan on XX/XX/XXXX, the same day my husband died, is annexed hereto as Exhibit C.
Towards the end of XX/XX/XXXX, I was able to negotiate a trial modification with Litton Loan wherein the latter required that I make three equal payments of approximately {$1900.00} each, starting XX/XX/XXXX through XX/XX/XXXX, in order to receive a permanent modification. As displayed within Exhibit D, I fulfilled my obligation by making the payments demanded by Litton Loan towards the trial period modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Litton Loan breached its promise to provide me with a permanent modification. In total, Exhibits D through M, displayed where I tendered approximately {$21000.00} in payments to Litton Loan for the months of XX/XX/XXXX through XX/XX/XXXX, with at least approximately {$16000.00} in payments being cashed by Litton Loan and the latter refused to provide me with a permanent modification.
In XXXX of XXXX, Ocwen Loan Servicing, LLC ( " Ocwen '' ) became the servicer for my mortgage loan and maintained the aforementioned foreclosure action under Docket No. XXXX without de-accelerating my mortgage loan because of the default as of XX/XX/XXXX as declared within the complaint filed on XX/XX/XXXX, the same day my husband died ( See Exhibit C ).
In XXXX of XXXX, Ocwen caused the first foreclosure action under Docket No. XXXX to be voluntarily dismissed as displayed within Exhibit N annexed hereto.
On XX/XX/XXXX, Ocwen entered into a consent judgment with the CFPB and 49 State Attorneys General to prohibit Ocwen 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed asConsumerFinancial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( CaseNo. 13-cv-2025-RMC ) in the U.S. District Court for the District of Columbia.
On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit O, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen.
On XX/XX/XXXX, Ocwen further violated the aforementioned consent judgment upon commencing a second foreclosure action in the Superior Court of New Jersey under Docket No. XXXX, a copy of which is annexed hereto as Exhibit P, wherein : ( 1 ) my mortgage loan was already time-barred from foreclosure upon the acceleration pursuant to N.J.S.A. 46:9-6 upon commencing the first foreclosure action on XX/XX/XXXX under Docket No. XXXX ( See Exhibit C ) that was dismissed in XXXX of XXXX ( See Exhibit N ) ; ( 2 ) Ocwen recited two falsely uttered - falsely signed - forged - falsely notarized instruments misrepresented to be assignments of my mortgage ; and ( 3 ) Ocwen falsely asserted a default occurred as of XX/XX/XXXX, contradicting the first foreclosure action setting forth a default as of XX/XX/XXXX, falsely implying payments were made for the months of XX/XX/XXXX through XX/XX/XXXX, and concealing approximately {$21000.00} in payments that I tendered and forwarded to Ocwen 's predecessor / affiliate company Litton Loan from XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), wherein at least approximately {$16000.00} was cashed.
On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a third falsely uttered - falsely signed - forged - falsely notarized instrument titled " Corporate Assignment of Mortgage '' annexed hereto as Exhibit Q, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen.
On XX/XX/XXXX, PHH Mortgage Corporation ( " PHH '' ) entered into a consent judgment with 49 State Attorneys General to prohibit PHH 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed asState of Alabama, et al. v.PHH Mortgage Corporation ( Case No. 1:18-cv-00009-TFH ) in the U.S. District Court for the District of Columbia .
On XX/XX/XXXX, PHH violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit R, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by PHH and or its affiliate company Ocwen.
To present date, XXXX, XXXX ( " XXXX '' ), PHH and XXXX XXXX ( " XXXX '' ) are illegally maintaining foreclosure against my home by seeking enforcement of an already time-barred mortgage loan, while concealing approximately {$21000.00} in payments that I tendered as of XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), and using the aforementioned false and forged evidence along with a counterfeit note instrument annexed hereto as Exhibit S, wherein a separate page displays an undated stamp and forged signature of " XXXX XXXX '' whose varying signatures and unoriginal stamps were mentioned inthe Florida Office of theAttorney General Economic Crimes Division titled Unfair, Deceptive AndUnconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ).
Furthermore, despite receiving at least three FDCPA validation letters and Qualified Written Request dating back to XX/XX/XXXX through XX/XX/XXXX, XXXX, PHH, Ocwen and XXXX have either : ( 1 ) failed to response as required by applicable laws ; and / or ( 2 ) provided incomplete and or false responses in violation of applicable laws.
Additionally, by order entered by the U.S. Bankruptcy Court for the District of Delaware on XX/XX/XXXX in Case No. XXXX that is annexed hereto as Exhibit T, the Trustee for XXXX XXXX XXXX bankruptcy was directed to forward me certain documents that I requested prior to their destruction. In return, I received several documents including, but not limited to, a " Telephone Verification of Employment '' and " Underwriter 's Income Analysis for Full Docs '' for my husband that was falsified by XXXX XXXX and / or its successors upon falsely declaring my husband 's income earned was {$9600.00} a month and {$110000.00} a year for XXXX which was extremely exaggerated and false, and XXXX XXXX and / or its successors further falsified the loan application by including my earnings for XXXX and XXXX even though I was a non-obligor. A copy of the falsified income documents received from XXXX XXXX XXXX bankruptcy trustee in the year XXXX is annexed hereto as Exhibit U.
Hence, the incomplete responses to by FDCPA and QWR letters that I received from XXXX, PHH and XXXX conveniently omitted the aforementioned falsified income verification information that was forwarded to me in the year XXXX from the Trustee in XXXX XXXX XXXX bankruptcy matter ( See Exhibit U ), which XXXX XXXX and / or its successors illegally created to approve my late husband and I for a loan that we could not afford and for which XXXX and PHH should have in their possession.
In closing, the aforementioned issues and events is causing me a great deal of anguish, mental and emotional distress, especially the fact that XXXX, PHH and XXXX continue to falsely assert that no payments were made as of XX/XX/XXXX, while omitting and concealing approximately {$21000.00} in payments made between XX/XX/XXXX through XX/XX/XXXX during the hardest time in my life upon the death of my husband on XX/XX/XXXX, the same day Litton Loan commenced a foreclosure upon the default onXX/XX/XXXX which is the result of my husband and I following Litton Loan 's instruction to become delinquent to qualify for a modification.
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| 02/28/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, my late husband and I executed a sub-prime / adjustable interest rate refinance mortgage loan transaction wherein XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) designated itself the lender, my late husband was the sole obligor who executed a promissory note, and we both executed a mortgage instrument wherein Mortgage Electronic Registration Systems , Inc. ( " MERS '' ) as the alleged nominee for XXXX XXXX was declared the " mortgagee ''. In XX/XX/XXXX, XXXX XXXX became a Chapter XXXX Bankruptcy Debtor in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX, at which time, the local land records were void of any instruments asserting a transfer and assignment of my mortgage loan for MERS as the alleged nominee for XXXX XXXX remained the purported mortgagee of record. A true copy of XXXX XXXX 's bankruptcy petition is annexed hereto as Exhibit A. On XX/XX/XXXX, the Chapter XXXX Trustee for XXXX XXXX XXXX bankruptcy filed a rejection of executory contracts to cancel any agreements between the debtor, XXXX XXXX. ( " XXXX '' ) and the latter 's subsidiary MERS. A true copy of XXXX XXXX XXXX rejection of executory contracts with XXXX and MERS is annexed hereto as Exhibit B. In XX/XX/XXXX, Litton Loan Servicing, LP ( " Litton Loan '' ) as our mortgage servicer instructed us to become delinquent in order to qualify for a loan modification being our payments had increased due to the adjustable interest rate. In good faith, my late husband and I followed Litton Loan 's instructions by missing the payment due XX/XX/XXXX and thereafter. Instead of modifying our loan upon us following instructions to become delinquent, Litton Loan initiated foreclosure proceedings by complaint filed XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX, on the same day my husband XXXX this XXXX, by asserting that : ( 1 ) because of the default on XX/XX/XXXX, Litton elected to nullify the original maturity date of XX/XX/XXXX by accelerating the total principal sum with interest declared due pursuant to N.J.S.A. 46:9-6 as of XX/XX/XXXX and ( 2 ) MERS as the alleged nominee for XXXX XXXX assigned our mortgage loan on XX/XX/XXXX, after XXXX XXXX entered bankruptcy in XX/XX/XXXX and after XXXX XXXX cancelled its executory contracts with XXXX and MERS in XX/XX/XXXX. A true copy of the foreclosure complaint filed in the Superior Court of New Jersey under Docket No. XXXX by Litton Loan on XX/XX/XXXX, the same day my husband died, is annexed hereto as Exhibit C. Towards the end of XX/XX/XXXX, I was able to negotiate a trial modification with Litton Loan wherein the latter required that I make three equal payments of approximately {$1900.00} each, starting XX/XX/XXXX through XX/XX/XXXX, in order to receive a permanent modification. As displayed within Exhibit D, I fulfilled my obligation by making the payments demanded by Litton Loan towards the trial period modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Litton Loan breached its promise to provide me with a permanent modification. In total, Exhibits D through M, displayed where I tendered approximately {$21000.00} in payments to Litton Loan for the months of XX/XX/XXXX through XX/XX/XXXX, with at least approximately {$16000.00} in payments being cashed by Litton Loan and the latter refused to provide me with a permanent modification. In XX/XX/XXXX, Ocwen Loan Servicing, LLC ( " Ocwen '' ) became the servicer for my mortgage loan and maintained the aforementioned foreclosure action under Docket No. XXXX without de-accelerating my mortgage loan because of the default as of XX/XX/XXXX as declared within the complaint filed on XX/XX/XXXX, the same day my husband died ( See Exhibit C ). In XX/XX/XXXX, Ocwen caused the first foreclosure action under Docket No. XXXX to be voluntarily dismissed as displayed within Exhibit N annexed hereto. On XX/XX/XXXX, Ocwen entered into a consent judgment with the CFPB and 49 State Attorneys General to prohibit Ocwen 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed as ConsumerFinancial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( CaseNo. XXXX ) in the U.S. District Court for the District of Columbia. On XX/XX/XXXX, XXXX violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit O, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen. On XX/XX/XXXX, Ocwen further violated the aforementioned consent judgment upon commencing a second foreclosure action in the Superior Court of New Jersey under Docket No. XXXX, a copy of which is annexed hereto as Exhibit P, wherein : ( 1 ) my mortgage loan was already time-barred from foreclosure upon the acceleration pursuant to N.J.S.A. 46:9-6 upon commencing the first foreclosure action on XX/XX/XXXX under Docket No. XXXX ( See Exhibit C ) that was dismissed in XX/XX/XXXX ( See Exhibit N ) ; ( 2 ) Ocwen recited two falsely uttered - falsely signed - forged - falsely notarized instruments misrepresented to be assignments of my mortgage ; and ( 3 ) Ocwen falsely asserted a default occurred as of XX/XX/XXXX, contradicting the first foreclosure action setting forth a default as of XX/XX/XXXX, falsely implying payments were made for the months of XX/XX/XXXX through XX/XX/XXXX, and concealing approximately {$21000.00} in payments that I tendered and forwarded to Ocwen 's predecessor / affiliate company Litton Loan from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX Exhibits D through M ), wherein at least approximately {$16000.00} was cashed. On XX/XX/XXXX, Ocwen violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a third falsely uttered - falsely signed - forged - falsely notarized instrument titled " Corporate Assignment of Mortgage '' annexed hereto as Exhibit Q, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by Ocwen. On XX/XX/XXXX, PHH Mortgage Corporation ( " PHH '' ) entered into a consent judgment with 49 State Attorneys General to prohibit PHH 's further engagement in unfair, deceptive and unlawful servicing and foreclosure practices cited in the civil complaint filed as State of Alabama, et al. v. PHH Mortgage Corporation ( Case No. XXXX ) in the U.S. District Court for the District of Columbia . On XX/XX/XXXX, PHH violated the aforementioned consent judgment upon creating and causing the XXXX County Clerk to record a second falsely uttered - falsely signed - forged - falsely notarized instrument titled " Assignment of Mortgage New Jersey '' annexed hereto as Exhibit R, consisting of misrepresentations and false assertions regarding a transfer of my mortgage loan, false considerations, imposters, and a false notarization by persons employed by PHH and or its affiliate company Ocwen. To present date, XXXX, XXXX ( " XXXX '' ), PHH and XXXX XXXX ( " XXXX '' ) are illegally maintaining foreclosure against my home by seeking enforcement of an already time-barred mortgage loan, while concealing approximately {$21000.00} in payments that I tendered as of XX/XX/XXXX through XX/XX/XXXX ( See Exhibits D through M ), and using the aforementioned false and forged evidence along with a counterfeit note instrument annexed hereto as Exhibit S, wherein a separate page displays an undated stamp and forged signature of " XXXX XXXX '' whose varying signatures and unoriginal stamps were mentioned in the Florida Office of theAttorney General Economic Crimes Division titled Unfair, Deceptive AndUnconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ). Furthermore, despite receiving at least three FDCPA validation letters and Qualified Written Request dating back to XX/XX/XXXX through XX/XX/XXXX, XXXX, PHH, Ocwen and RAS have either : ( 1 ) failed to response as required by applicable laws ; and / or ( 2 ) provided incomplete and or false responses in violation of applicable laws. Additionally, by order entered by the U.S. Bankruptcy Court for the District of Delaware on XX/XX/XXXX in Case No. XXXX that is annexed hereto as Exhibit T, the Trustee for XXXX XXXX 's bankruptcy was directed to forward me certain documents that I requested prior to their destruction. In return, I received several documents including, but not limited to, a " Telephone Verification of Employment '' and " Underwriter 's Income Analysis for Full Docs '' for my husband that was falsified by New Century and / or its successors upon falsely declaring my husband 's income earned was {$9600.00} a month and {$110000.00} a year for XXXX which was extremely exaggerated and false, and XXXX XXXX and / or its successors further falsified the loan application by including my earnings for XXXX and XXXX even though I was a non-obligor. A copy of the falsified income documents received from XXXX XXXX 's bankruptcy trustee in the year XXXX is annexed hereto as Exhibit U. Hence, the incomplete responses to by FDCPA and QWR letters that I received from XXXX, XXXX and XXXX conveniently omitted the aforementioned falsified income verification information that was forwarded to me in the year XXXX from the Trustee in XXXX XXXX 's bankruptcy matter ( See Exhibit U ), which New Century and / or its successors illegally created to approve my late husband and I for a loan that we could not afford and for which XXXX and PHH should have in their possession. In closing, the aforementioned issues and events is causing me a great deal of anguish, mental and emotional distress, especially the fact that XXXX, PHH and XXXX continue to falsely assert that no payments were made as of XX/XX/XXXX, while omitting and concealing approximately {$21000.00} in payments made between XX/XX/XXXX through XX/XX/XXXX during the hardest time in my life upon the XXXX of my husband on XX/XX/XXXX, the same day Litton Loan commenced a foreclosure upon the default on XXXX XXXX, XXXX which is the result of my husband and I following Litton Loan 's instruction to become delinquent to qualify for a modification.
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| 11/14/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Ocwen Loan Servicing on behalf XXXX XXXX XXXX Successor Trustee to XXXX XXXX XXXX XXXX Successor Trustee to XXXX XXXX as Trustee under the Pooling and Servicing Agreement Dated as of XXXX XXXX, XXXX XXXX XXXX XXXX. Foreclosure XXXX CH XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, IL.
Property : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Allegations : Mortgage Fraud, Criminal Tampering with the Court File, Taking without Just Compensation 5th Amendment of the US. Constitution, violation of the 3rd Amendment of the US Constitution ; insurance fraud, and taking of my property in order to avoid XXXX claims on alleged debt that was admitted unsecured in the XXXX XXXX in the US Bankruptcy Court, XXXX XXXX of Washington. 3 fraudulent assignments of mortgage within 10 years, the most recent was entered into Chapter XXXX bankruptcy XXXX XXXX, US Bankruptcy Court XXXX XXXX of Illinois.
STATEMENT OF FACTS 1. On XXXX/XXXX/XXXX, XXXX was compelled to purchase this property, which was not built in compliance with state and federal laws, and building codes. The construction was approved by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Enforcement Officer and Village Engineer, who was not licensed to practice engineering in the State of Illinois - and where the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were being sued by XXXX XXXX [ Another builder ] for Racketeering. This property was issued a fraudulent XXXX of XXXX.
2.The property borders federal wetlands and is sinking. the wetlands are breaching and destroying the XXXX XXXX XXXX Subdivision, including streets, other homes, and common areas, in addition to my property. Both Ocwen and my structural engineers agree that the property has severe latent structural defects, and is uninsurable. Sinkholes are developing and are posing hazards to the health and safety of the residents in the subdivision.
3.On XXXX XXXX, XXXX, an Amended Complaint for Foreclosure was filed, for plaintiff " XXXX XXXX XXXX '' - which is not a legally cognizable entity. The complaint was never dismissed or refiled. In XXXX, XXXX XXXX XXXX " substituted '' the plaintiff that does not exist for a plaintiff " XXXX XXXX XXXX '' which is a Trust that entered an agreement in the XXXX XXXX, [ XXXX XXXX XXXX Washington ] and accepted {$200000.00} as a general unsecured claim.
4. On XXXX XXXX, XXXX, I discovered that my mortgage had been released XXXX/XXXX/XXXX.
A title search performed by XXXX XXXX confirmed that no valid morgtage has existed on my property since XXXX/XXXX/XXXX.
5.The XXXX XXXX XXXX XXXX XXXX Chief Appraiser admitted my property is " uninhabitable and unmarketable, '' with a fair market value of {$25000.00}. ( As opposed to {$350000.00} as " sold '' at the judicial foreclosure sale. ) This admission occurred XXXX XXXX.
XXXX XXXX, the XXXX XXXX XXXX XXXX changed the designation of my case from " residential '' to " non residential foreclosure. Under Illinois law, this designation permitted Ocwen to evict me from my home, since XXXX, without waiting for a judgment of foreclosure to occur. Two trials that have occurred are a sham. In " Judgments '' entered after two trials, both refer to my property as residential. This inconsistency can be viewed as the Court acknowledged the non-residential designation in the transcript at the start of the first trial. The XXXX judicial circuit court had already decided to give my property to the alleged plaintiff before the first trial began.
7.I have reported the soil pollution and the breaching federal wetlands to the Illinois EPA in XXXX and again in XXXX. This property subjects Ocwen/Banks to liability under XXXX.
8.I have reported to the Illinois Attorney General in XXXX and XXXX, and the New York Attorney General twice, the Federal Reserve XXXX the Office of the Comptroller of Currency, and this CPFB twice before. The end result is that tomorrow the XXXX XXXX XXXX Court will confirm the sale of this hazardous property with latent structural defects " as is '' without disclosures. This is unconscionable.
9.I believe Ocwen intends to commit insurance fraud with this hazardous property, because in a letter dated XXXX XXXX Ocwen alleges XXXX Thank you for providing the requested evidence of insurance coverage. '' I never insured the property after XXXX, because the latent structural defects render the property uninsurable. '' 10.The Escrow Statements are not accurate, or consistent with what Ocwen testified under oath to in the second trial for XXXX ch XXXX.
11.Further, in order to stop the fraudulent sale, I declared Chapter XXXX bankruptcy XXXX in the XXXX XXXX XXXX XXXX XXXX District of Illinois. XXXX XXXX of XXXX XXXX contacted me via phone, in order to settle all claims I had against Ocwen. I retained attorney XXXX XXXX XXXX for settlement purposes only, and voluntarily dismissed the Chapter XXXX. After filing a motion to substitute for XXXX XXXX XXXX, XXXX XXXX withdrew the motion.
12.I later learned through recorded conversations with Ocwen, that a trial modification offer had been pre-approved, but was never presented to my attorney by XXXX or to me. My attorney XXXX XXXX sent a settlement demand to Ocwen, to settle all claims and to leave the home within 120 days for {$150000.00}, but XXXX XXXX of XXXX XXXX XXXX presented the demand as a " short sale '' offer, which was declined by Ocwen. I gave XXXX XXXX a settlement demand on XXXX XXXX, XXXX, which she alleged to have presented to Ocwen, but Ocwen has no record after the {$150000.00}.
13.Further, XXXX and Ocwen represented to me the the new foreclosure sale date was postponed to XXXX XXXX, XXXX. However, the XXXX XXXX XXXX XXXX XXXX " confirmed '' that the sale date was still XXXX XXXX, as evidenced by the computer screen shot that I have included with the evidence. On XXXX XXXX, evidence that the XXXX XXXX XXXX " postponed '' the sale date was in the Court file. Because the sale date was actually XXXX XXXX, XXXX, I was again compelled to declare Chapter XXXX bankruptcy on XXXX XXXX, XXXX.
XXXX schedules list the alleged debt as unsecured, but the Court decided the debt was secured without requiring proof of claim, and despite the fraudulent " assignment of mortgage '' - I have noticed the appeal and the District Court has directed the Banktruptcy Court to send the case directly to the US Supreme Court , where I am preparing to timely file a Writ of Certiorari. The Trustee could not abandon property where the court has been aware of the latent defects and hazards since XXXX. XXXX. ( Same parties, same court - Ocwen bought XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX filed the fraudulent " Corporation Assignment of Mortgage, '' and I reported this to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX indicated she would notify the States Attorney, but the States Attorney has already taken a video statement from me and refused to prosecute mortgage fraud and tampering with the Court files. I filed police report 16.In an envelope postmarked XXXX XXXX, XXXX, I received notice of Codilis Motion to Confirm the Sale, with proof of publication, alleged to have been filed on XXXX XXXX, XXXX. However, the Court file for XXXX contained no such documents on XXXX XXXX, XXXX. I ordered a copy of the complete Volume 12 of the court file on XXXX XXXX, XXXX and picked it up on XXXX XXXX, XXXX. I photographed my copy and the court file together, and the most recent date of the file was XXXX XXXX, XXXX. XXXX ILCS 5/15-1507 ( I ) ( 3 ) requires notice of the publication to be served on all parties, and I was never served this notice. This is evidenced by the fact that no service of notice of publication is evident in the Court file as of XXXX XXXX, XXXX.
18.There 's much more - Ocwen offered XXXX Mortgage Assistance Resources '' via letter dated XXXX XXXX, XXXX, but has repeatedly indicated that I would be contacted by a staff attorney to discuss options. Each time I followed up on the request via phone, Ocwen stated it would be a few more days and to call back if I did n't hear from them. Yesterday, Ocwen told me a staff attorney was not assigned to my case. Today, Ocwen transferred me to the " Ombudsman '' who said they would " review '' whatever documentation I sent to the CPFB. If the XXXX needs more documentation, I have XXXX years worth.
19. A consent judgment for breach of contract and breach of warranty was entered for this property in XXXX, for {$420000.00} in XXXX in XXXX XXXX XXXX Court. This was approved in the Delaware bankruptcy court in the XXXX Homebuilders bankruptcy. Further, this property was the subject of a federal lawsuit involving XXXX XXXX. Whatever information you need, I have it - As added injury, FCRA and TILA - Regulation X / Z issues abound. I recently was denied credit, in part because there no longer exists any record that I have ever owned real estate, contained in my credit report. RESPA notice of the Ocwen purchase of XXXX was sent to an attorney who was no longer representing me.
I will appeal tomorrow 's ruling, if the sale is confirmed, all the way to the US Supreme Court, on the heels of the Bankruptcy appeal.
I spoke with Ocwen 's " Ombudsman '' XXXX XXXX - I now recall an earlier conversation I had with her, without result, during settlement discussions. During my conversations with Ocwen in XXXX, there existed no record of my settlement discussions with Ocwen. The XXXX discussions evidenced that XXXX XXXX presented the offer to Ocwen as a short sale offer, but I now believe that it may have been at the direction of XXXX XXXX, in the Ombudsman, and have attached the emails.
Further, the property taxes have now been fraudulently inflated, and an " Ocwen FSB '' is committed to pay the taxes, despite reporting to the SEC that it " debanked '' in XXXX.
My primary concern is that the Public is protected from the hazards, and that the house is never permitted to be re-sold. This is a taking without just compensation and a violation of my 3rd amendment rights, as the Court has unlawfully placed itself in my house for nine years without my consent.
Although I was entitled to numerous settlements with Ocwen, XXXX, XXXX XXXX XXXX, etc, I received a compensation of about {$400.00} total from the Federal Reserve 's enforcement action against Litton Loan Servicing, and spent approx $ XXXX on attorneys fees, paralegal fees and costs. Please, do something.
Previous CPFB Complaint ( s ) XXXX
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| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This complaint submission is filed by legal counsel for the homeowner Defendant. Legal Counsel is the Law Offices of XXXX XXXX , PA. The homeowner Defendant is XXXX XXXX . The Plaintiff / Servicer is OCWEN LOAN SERVICING, LLC. The subject foreclosure legal action is in XXXX County, Florida. XXXX # XXXX . Ocwen Loan Servicing, LLC vs. XXXX XXXX XXXX . The subject of the complaint is based upon a good faith belief that OCWEN Loan Servicing failed itself to act in good faith to consider a Deed in Lieu resolution option for XXXX XXXX and that failure of Ocwen to act in good faith has resulted in XXXX XXXX 's home being taken back by Ocwen at the foreclosure auction sale of XXXX / XXXX / XXXX . A timeline of the circumstances and the subject of a recently filed Objection to the Foreclosure Sale is as follows : 1. The subject property was sold at foreclosure auction on XXXX XXXX , XXXX in violation of Consumer Financial Protection Bureau ( CFPB ) l oss mitigation loan servicing requirements in that the Defendant had been in active Deed in Lieu review at the time of auction sale and in accordance with Regulation X of the Real Estate Settlement Procedures / Consumer Financial Protection Bureau Mortgage Servicing Rules ( CFPB ), Plaintiff was not permitted to conduct a foreclosure sale due to that active Deed in lieu of foreclosure review.
2. The undersigned, on behalf of Defendant, HEARTY submitted a complete Deed in Lieu package to Plaintiff / Servicer OCWEN, with all required documents and financials information included therein on XXXX XXXX , XXXX . 3. On XXXX XXXX , XXXX , the office of the undersigned received an email from Plaintiffs attorney stating that the OCWEN rejected our Defendants 3rd party authorization document, alleging an invalid signature. Defendant, XXXX then executed a second 3rd party authorization document and that was delivered to Plaintiffs counsel on XXXX XXXX , XXXX . 4. On XXXX XXXX , XXXX , the office of the undersigned emailed Plaintiffs counsel requesting an update on the Deed in Lieu ( DIL ) file and received a reply that the DIL was under active review.
5. On XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and XXXX / XXXX / XXXX , the office of the undersigned emailed both OCWEN and Plaintiffs counsel office with no response received as to any of those communications. 6. On XXXX / XXXX / XXXX with still no substantive reply as to the status of the DIL process, the office of the undersigned sent another email communication to Plaintiffs counsels office and did receive a reply stating that OCWEN would contact defense counsel directly to coordinate a Brokers Price Opinion ( BPO ) within 7 days. Unfortunately, that contact from OCWEN never took place.
7 . On XXXX / XXXX / XXXX , Defendants counsel received an email from Plaintiffs counsel stating that the DIL had been approved with the condition that client signs a promissory note for {$60000.00}. That offer was presented to the Defendant and rejected the offer due to a lack of affordability.
8 . On XXXX / XXXX / XXXX , Plaintiffs counsel requested a letter from XXXX detailing why the defendant was unable / unwilling to accept the offer which included the {$60000.00} promissory note obligation. Also at that time, Plaintiff requested more recent bank statements and paystubs from XXXX . 9. The requested letter of explanation was provided to Plaintiffs counsel and the updated financial documentation was provided to OCWEN on XXXX / XXXX / XXXX . 10. On XXXX / XXXX / XXXX , the office of the undersigned received a new DIL offer from Plaintiff extending Approval terms to XXXX to either execute a {$48000.00} Promissory Note, payable in 120 installments, OR a one-time cash contribution of {$5000.00} upon the execution of a Deed-in-Lieu. 11. Following a brief period of consideration by XXXX , on XXXX / XXXX / XXXX , the office of the undersigned, in a written communication to Plaintiffs counsel, accepted the offer for HEARTY to pay a {$5000.00} cash contribution to close the DIL. No reply was received.
12. On XXXX / XXXX / XXXX , Defense counsel emailed Plaintiffs counsel following up on the offer acceptance and requesting a status update. Defense counsel was informed that Plaintiffs counsel would need to check with their client and would advise.
13 . On XXXX / XXXX / XXXX , XXXX counsel delivered an email to OCWEN which stated : On the XXXX of XXXX our office sent an email to your attorney letting them know that our client has accepted a {$5000.00} one time cash contribution to the bank and completion of DIL. I have been trying to get an update, but we still have not heard back. Please provide an update.
14. On XXXX / XXXX / XXXX , Plaintiffs counsel called the office of the undersigned to explain that OCWEN had terminated the offer of {$5000.00} cash contribution but counsel also stated that he was trying to get OCWEN to continue to process the open DIL, as opposed to starting the process again from inception.
15. On XXXX / XXXX / XXXX , XXXX escalation department emailed the office of the undersigned requesting updated bank statements and a new RMA Defendant HEARTY supplied those documents that same day and XXXX counsel emailed them to OCWEN that same day. Further communications by Defense counsel continued with no substantive reply.
16 . On XXXX / XXXX / XXXX , the office of the undersigned, received a call from the OCWEN current relationship manager , XXXX XXXX , requesting most recent bank statements and a letter explaining that the property was vacant and therefore there was no lease agreement in the file. Defendant, XXXX provided the requested letter and Defense counsel provided that letter to OCWEN along with the new bank statements and pay stubs. Follow up communications continued approximately every four ( 4 ) days thereafter with no substantive reply from OCWEN.
17. Finally, on XXXX / XXXX / XXXX , XXXX acknowledged that the DIL file was under active review. Follow up communications continued. 18. On XXXX / XXXX / XXXX , during a telephone communication with an OCWEN representative, Defense counsel was notified that OCWEN had assigned a new relationship manage to the file and that additional bank statements and pay stubs would be required in order for the DIL review to move forward.
19. Throughout the month of XXXX , Defense counsel repeatedly inquired with Plaintiffs counsel as to whether they had received instructions from their client to file a Motion to Cancel the upcoming auction sale date of XXXX / XXXX / XXXX , because of the open and active DIL process. However Plaintiff did not file a Motion to Cancel the auction sale of XXXX / XXXX / XXXX . Instead, the undersigned prepared, filed and prevailed on a motion to cancel that sale date based upon the open and active DIL review. The sale rescheduled to XXXX / XXXX / XXXX . 20. On XXXX / XXXX / XXXX , in an abundance of caution, the most current banks statement and paystubs were again, provided to OCWEN.
21. Follow up communications regarding the DIL process continued, directed to both OCWEN and Plaintiffs counsel with no substantive reply.
22. Finally, on XXXX / XXXX / XXXX , defense counsel received a reply from OCWEN stating that the DIL file was under review.
23. On XXXX / XXXX / XXXX , the office of the undersigned received a telephone call from another relationship manager ( the 3rd since XXXX / XXXX / XXXX ). She only provided the name XXXX and ID # XXXX . XXXX stated that OCWEN had requested for their counsel to order a Title Report and that it would take 7-10 days but as long as the title search came back clean, OCWEN would instruct its counsel to draft the DIL documents.
24 . On XXXX / XXXX / XXXX , defense counsel was informed that the title report had not yet been obtained. Further, on XXXX / XXXX / XXXX , still no title report had been obtained. 25. Also, on XXXX / XXXX / XXXX , the undersigned was informed by an OCWEN representative that OCWEN needed physical access to the property as a final step of the DIL process. XXXX , who permanently resides in Pennsylvania, requested a former neighbor in XXXX County to visit the subject home to make certain it was in fair condition for the anticipated inspection by OCWEN. At that time, it was discovered that the locks had been changed by a company called XXXX that had been contracted for that service by OCWEN, preventing access to the property.
26. During communications with OCWEN on XXXX / XXXX / XXXX , a representative only referring to himself as XXXX with ID # XXXX , stated that the DIL file was now with FANNIE MAE and that he was trying to determine if FANNIE MAE had yet contacted Altisource regarding access. 27. Defense counsel continued to follow up, which did result in Plaintiffs Counsel filing a Motion to Cancel the upcoming 4/12/17 auction sale date based upon the active DIL review. Unfortunately, that Motion was denied by the Court on XXXX / XXXX / XXXX and the subject property went to auction sale on XXXX / XXXX / XXXX and was sold back to the Plaintiff. 28. The foreclosure auction sale of XXXX XXXX , XXXX took place under highly irregular circumstances in that Defendant, HEARTY had accepted Plaintiffs DIL offer involving a {$5000.00} contribution no later than XXXX XXXX , XXXX and therefore, the DIL should have been finalized within weeks of that offer and acceptance. In the alternative, the auction sale should not have gone forward on XXXX / XXXX / XXXX , because the DIL had been conditionally approved no later than XXXX XXXX , XXXX , and therefore, Plaintiff was obligated to file a motion to dismiss the action and to dissolve the XXXX XXXX prior to the auction sale date of XXXX / XXXX / XXXX . 29. Consequently, the sale that took place on XXXX XXXX , XXXX , was an unlawful taking of property in violation of the Consumer Financial Protection Bureau guidelines established by the United States Federal Government, Department of Justice. XXXX . Defense seeks for Plaintiff to voluntarily vacate the XXXX / XXXX / XXXX auction sale and corresponding Certificate of Sale and thereafter, issue an expeditious approval of the mutually agreed upon offered and accepted DIL terms.
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| 06/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX I signed on a contract deed of trust and note with XXXX XXXX XXXX, XXXX XXXX out of XXXX. Per the note, Payments were to be made to XXXX XXXX XXXX, XXXX, the servicer. The Trustee on the deed is XXXX XXXX XXXX out of XXXX.
In XXXX on XXXX County, XXXX registry of deeds a corporate deed of assignment was made in the name of XXXX XXXX , XXXX a XXXX XXXX by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX as trustee.
XX/XX/XXXX during a modification trial period, XXXX transferred the servicing rights to Ocwen Loan Servicing, LLC out of XXXX XXXX XXXX XXXX.
( In XX/XX/XXXX ) I recieved foreclosure notices 2 weeks later from XXXX XXXX XXXX, XXXX out of XXXX XXXX, XXXX, it did not include a default notice nor had it been 60 days or the modification decision made, nor did it say who they represented. ( Ocwen Later was mandated by the State of XXXX to never accept any more loan assignments in XXXX ) XX/XX/XXXX an appointment of Successor trustee was filed in XXXX County, XXXX registry of deeds by XXXX XXXX XXXX, XXXX to nominate and appoint itself in favor of XXXX XXXX XXXX to become the Successor Trustee and the power within. The document was signed for By Ocwen Loan Servicing , LLC as attorney in fact for XXXX XXXX as Trustee.
Throughout the rest of XXXX, in sequential order below, I requested information from Ocwen Loan Servicing, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. During which XXXX XXXX XXXX rejected request letters for more information stating it did not represent Ocwen Loan Servicing. I recieved letters from Ocwen stating it didn't know who the owner was of the note and the loan was XXXX in a trust with several investor unknown to them. I requested from the full history of accounting on the loan and when recieved it only went to back to XXXX, not XXXX. I obtained the XXXX XXXX XXXX agreement which showed XXXX XXXX as the Trustee of the trust. And it stated XXXX XXXX XXXX Name is the trustee and XXXX XXXX XXXX is Servicer. About 3 to 4 foreclosure notices were sent with amounts lesser than before yet no payments were allowed to be made when attempting to Ocwen. I recieved no avail from when requested from XXXX XXXX or Ocwen about validating the debt. I received letters from XXXX XXXX XXXX also stating they did not represent XXXX XXXX also. I received no response to my Debt Validaton from either company. XXXX sent letters stating they can't respond and Ocwen is the company to contact. The request letters sent to XXXX was returned.
Unknown Company unknown name. When searching Secretary of State of XXXX, it stated XXXX XXXX , XXXX had dissolved in XXXX. When searching Secretary of State in XXXX. It said the same.
From around XXXX, I recieved foreclosure notices several times.
XX/XX/XXXX an appointment of Substitute Trustee was filed by XXXX XXXX XXXX naming itself as the Substitute Trustee signed given by XXXX XXXX XXXX for the owner Mortgage Electronic Registration System ( Mers ) as nominee for XXXX XXXX XXXX a XXXX XXXX.
Foreclosure was filed non judicially on XX/XX/XXXX naming XXXX XXXX XXXX XXXX as Trustee of the trust as the party to the action. Eviction proceedings began in XX/XX/XXXX. It's now XXXX and eviction proceeding was awarded to XXXX XXXX on an appeal they proceeded in XXXX XXXX XXXX XXXX of XXXX County, XXXX.
Below are the issue with title and interest.
Research shows as follows : # 1 State of XXXX shows that XXXX XXXX , XXXX withdrew as a corporation in XXXX. They continued to exist in XXXX as a foriegn entity and didnt obide by XXXX Annotated Code XXXX which states they must file an amendment notifying the Secretary of The that is was not a foreign entity and withdrew as a XXXX to continue to conduct business in XXXX. They did not. XXXX failed in the oversight of this so they continued to exist on Secretary of State website. No amendment was ever filed and they did not exist any longer as a XXXX corporation.
No assignments could have been made without a proper party. XXXX is defunct and as such, Mortgage Electronic Registration System is incapacitated moving forward so no assignment should occur through Mers. And also meant the home is unsecured from the inception.
# 2 XXXX XXXX XXXX was required by the XXXX XXXX XXXX XXXX XXXX to obtain a license to become a lender in XXXX which also requires fingerprinting and a XXXX XXXX bond put up. They are also required to obtain a license from XXXX XXXX XXXX XXXX and XXXX ( XXXX ). Non of ever this happened.
# 3 During an a securitization loan audit, several things were identified in that the loan is included into two trusts and there can no be more than one title to a home. Furthermore means that another company could also attempt to collect at some as well as Investors being defrauded within either trust. No two titles to one home. There is no such thing.
# 4 XXXX XXXX XXXX ceased to exist as of XX/XX/XXXX in a conversion into XXXX XXXX XXXX. It stated clearly that XXXX XXXX XXXX ceased to exist in the conversion plan. I signed on the deed of trust and note XX/XX/XXXX. No assumed name was registered for XXXX XXXX XXXX to exist on any contract thereafter it ceased. XXXX XXXX XXXX also was not registered with XXXX XXXX XXXX nor license or registered with XXXX Meaning : XXXX XXXX XXXX could not have given any authority to XXXX XXXX, XXXX XXXX XXXX not any other entity. And Mers never held the note to be the bearer to transfer anything. So no trustee could have existed.
# 5 XXXX transfer of the corporate assignment of deed. XXXX went onto to Mers system and stated it was the investor to transfer this deed to XXXX XXXX as Trustee for the trust. The Pooling and Servicing agreement clearly states XXXX XXXX XXXX XXXX is the Servicer. XXXX XXXX XXXX XXXX merged into XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX is far from the Investor. XXXX XXXX XXXX XXXX was not referenced in the chain of title until this point. And when received the servicing rights from XXXX XXXX XXXX XXXX so it should have known who the investors of the loan was. The owner was unknown. XXXX mispresented itself on MERS as the investor to collide with XXXX XXXX to clear up the clouded title. However, this was an illegal assignment which makes the party on record seem to be the proper party. The assignment also missed the cut off of the trust, per the prospectus by 4 years.
# 6 Ocwen. Ocwen in order to correct the issue signed as attorney in fact for XXXX XXXX as Trustee of trust yet they didn't know if XXXX XXXX XXXX XXXX was the owner which they claim in responses to me the servicing were transferred by them but later in Real Estate Settlement Procedure Act ( Respa ) requests it didn't know who the owner was inadvertently and intentionally alluding the truth. Furthermore to correct any issue of the note and foreclose, they would have to make XXXX XXXX the substituted trustee. However when doing so the attestation of the signature of Ocwen 's employee who the notary was personally known to was forged by a XXXX XXXX with the title of XXXX XXXX. During researching other substitute trustee appointments in XXXX County, XXXX Registry of deeds, several other assignments were found where XXXX XXXX signature is forged 2 and 3 months before. On these Ocwen was assigning substitute trustee to a trust and XXXX XXXX XXXX prepared and filed itself. This would effect foreclosure had a fraudulent signature was not used.
# 7 XXXX XXXX XXXX, XXXX not one time was clear about who they represented nor who the owner of the note was. During eviction proceeding they presumed they are the note holder. Yet, they did not produce anything but a copy and they only had a person employed by Ocwen to confirm by affadavit that they had the business records to prove it. This doesn't prove the signature. XXXX XXXX XXXX is acting as trustee when if fact, the trustee of the deed never existed. They never validated the debt. They never sent default notices before the foreclosure.
# 8 Two Different Legal Descriptions : Original deed of trust filed XX/XX/XXXX shows ( on County Registry of Deeds in XXXX County XXXX ) a incorrect description. And rerecorded to correct the illegal description. Yet no authority shows as to who made the correction nor was a copy of that given to me. Also it was altered without any verified authority. There is nothing attached to it to show that. Furthermore, XXXX XXXX, trustee of the trust, could not have vested interest into the correct legal description of the home because according the prospectus, the trust can not accept new assets after the closing date of XX/XX/XXXX. XX/XX/XXXX is when it was rerecorded on county registry of deeds. It was passed the cut off date to be included into the trust. Hence is why you see the loan included into two different trusts as well. No two titles to one home. And this all means that the debt is unsecured and the house is not collateralized.
# 9 In Bankruptcy filing I filed in XXXX, XXXX XXXX XXXX, XXXX filed a proof of claim representing XXXX XXXX XXXX XXXX as attorney in fact for XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX as nominee. It never mentioned the rerecorded deed. In a bankruptcy court this information looks totally different from what has happened years later. The XXXX to the " copy '' of the Note was attached with " pay to the order of '' and left blank. No endorsement no enforcement. There's were no alleged corporate deed of assignment isnt done until 2 years after this. XXXX XXXX XXXX is appointed as successor trustee 4 years after this filing. The opposite has occurred. The assignment contradict what's on file in a U.S. court which is proof in itself.
# 10 Securitization In order for anything to have happened the chain of assignment to be correct the following would have had to occur.
A ) XXXX XXXX XXXX or Mers as Nominee to XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX to seller ( under the trust ) - XXXX XXXX XXXX XXXX or any successor C ) XXXX XXXX XXXX , XXXX to Depositor- XXXX XXXX XXXX XXXX XXXX ) Depositor to issuing entity trust This did not occur and are missing from the chain of title.
No foreclosure should have ever happened.
This is a theft by conversion and is crime.
Amongst other crimes of Forgery, Institutional Mortgage fraud and more.
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| 01/22/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Complaint against XXXX XXXX XXXX dba XXXX XXXX XXXX aka XXXX XXXX XXXXXXXX owned by Ocwen Financial Corporation, PHH Loan Number XXXX, FHA Case Number XXXX PHH has and continues to engage in including but not limited to improperly servicing my mortgage loan, Breach of Contract, Elder Abuse ( financial exploitation ), Fraud, not acting in Good Faith with me, failure to account since close for the {$12000.00} PHH is holding of my money per PHH Loan Officer and PHH Closing Document aka contract with me, failure to use the {$12000.00} PHH is holding of my money to pay my homeowners insurance as each comes due per PHH Loan Officer email to me and PHH Closing Documents aka contract with me, and XXXX XXXX XXXX XXXX XXXX against me causing me XXXX and XXXX XXXX
As a condition to close loan, PHH required {$12000.00} be withheld from proceeds to me to be held by PHH and administered by PHH as what PHH called a XXXX aka XXXX XXXX XXXX that PHH would timely pay from my property taxes and homeowners insurance as each came due per PHH Loan Officer email to me and PHH Closing Documents aka contract with me.
I was concerned about {$12000.00} withheld from the refinance proceeds to me to be held by PHH and administered by PHH so I sent the PHH Loan Officer an email XXXX XX/XX/2022, which was before the loan cloed. The PHH Loan Officer sent me an email on XXXX XX/XX/2022 in response to my 3 XX/XX/2022 email about the {$12000.00} that PHH required they would withheld from the refinance proceeds to me as a XXXX aka XXXX XXXX XXXX that PHH would hold, administer and would timely pay from it my property taxes and homeowners insurance as each came due.
I emailed PHH Loan Officer XXXX XX/XX/2022, asking Please explain exactly how this money being withheld pays my homeowners insurance and real estate taxes for me instead of me paying them.
PHH Loan Officer wrote me via email XXXX XX/XX/ 2022, Just like a regular mortgage company, our servicing department will use the funds to make these payments on your behalf so you dont have to. See enclosed.
The PHH Loan Officer then wrote me via email XXXX XX/XX/ 2022, you will receive both a monthly statement and a year end statement of the PHH-withheld and administered {$12000.00} XXXX. See enclosed.
In good faith I reasonably relied upon the PHH Loan Officers written representation to me of Just like a regular mortgage company, our servicing department will use the funds to make these payments on your behalf so you dont have to. and you will receive both a monthly statement and a year end statement and moved forward to close the loan.
The loan closed XXXX XX/XX/2022.
I have NEVER received any accounting, let alone the a monthly statement and a year end statement as promised by th PHH Loan Officer in writing of the PHH-withheld and PHH administered {$12000.00} XXXX since the loan closed.
After close of refinance, on XXXX XX/XX/2022, I made written request upon PHH via fax for their promised monthly accounting of this PHH-withheld and administered {$12000.00} XXXX. On same paper, I also asked PHH When will I receive copy of closing package signed by all parties? See enclosed. The PHH fax number is on the CERTIFICATION OF OCCUPANCY I wrote my request upon. I received NO reply.
Today 's balance of the {$12000.00} XXXX-withheld and administered by PHH remains at {$12000.00} because PHH has FAILED, in violation of the PHH Loan Officer email and the PHH closing documents aka contract with me to use that {$12000.00} to pay my homeowners insurance as it came due.
PHH has used NONE of the {$12000.00} XXXX-withheld and administered by PHH of my {$12000.00} to pay my hazard aka homeowners insurance as it came due.
My hazard aka homeowners insurance renewal premium was due XX/XX/2022 per XXXX XXXX, my homeowners insurance company.
On XXXX XX/XX/2022, I AGAIN made written request upon PHH via email for the PHH promised monthly accounting of this XXXX-withheld and PHH administered {$12000.00} XXXX. See enclosed. The PHH email is on the CERTIFICATION OF OCCUPANCY and other PHH documents. I received NO reply.
On XXXX XX/XX/2022, I made a ANOTHER written request upon PHH via email for the PHH promised monthly accounting of this PHH-withheld and PHH administered {$12000.00} XXXX. See enclosed. I received NO reply.
I was becoming increasingly worried that this PHH-withheld and PHH administered {$12000.00} XXXX had been stolen from me so I then contacted Senior Law Project of XXXX XXXX XXXX Senior Law Project, and began working with XXXX XXXX XXXX XXXX. XXXX XXXX told me he called PHH but received no reply. XXXX XXXX, XXXX. then informed me he had sent a Certified With Return Receipt letter to PHH.
On XXXX XX/XX/2022, MXXXX XXXX, XXXX. mailed me a copy of the letter he had sent to PHH Certified With Return Receipt. See enclosed. In it he attached my above emails to PHH expressing my increasing concern and worry.
I remain sick with worry and frantically afraid.
On XXXX XXXX 2022, XXXX XXXX, XXXX. of now XXXX Nevada XXXX XXXX, which is the name XXXX XXXX XXXX had changed to, mailed me a copy of the letter he had sent to PHH, stating to PHH e had received NO response from PHH to his XXXX XX/XX/2022, Certified With Return Receipt letter. See enclosed.
Also enclosed is the PHH XXXX XXXX XXXX MORTGAGE ADJUSTABLE RATE LOAN AGREEMENT, pages XXXX and XXXX and XXXX and XXXX of XXXX of the PHH Closing Documents, Article XXXXDefinitions XXXX XXXX PROPERTY CHARGES means certain Property Charges consisting of property taxes including special assessments levied by Municipalities or State law, hazard insurance premiums, and applicable flood insurance premiums. XXXX. Property Charges means property taxes, hazard insurance premiums, flood insurance premiums, ground rents, condominium fees,, planned unit development fees, homeowner 's association fees, and any other special assessments which may be required by local or state law. XXXX Lender shall use the amounts set-aside to make timely payments of the XXXX Property Charges listed iXXXX Section XXXX. See enclosed.
Also enclosed is the PHH EXHIBIT 1 XXXX XXXX XXXX ADJUSTABLE RATE MORTGAGE PAYMENT PLAN Page XXXX of XXXX of the PHH Closing Dpcuments aka contract with me documenting total of PHH-withheld {$12000.00} XXXX. See enclosed.
According to the enclosed PHH TAXES/INSURANCE PAYMENT NOTICE in the PHH Closing Documents, Per the terms of your loan, the payment of property taxes ( taxes ) and all applicable property insurance premiums ( insurance ), collectively ( property charges ) will be paid via A Full-Funded Life Expectancy Set-Aside.
Also enclosed is the PHH XXXX XXXX XXXX XXXX FOR TAXES AND INSURANCE also in the closing documents. It states, A XXXX Is an amount withheld from the mortgage proceeds for the payment of specific charges : property taxes, homeowners insurance Based on the review of your loan application documentation, a Fully Funded XXXX in the amount of {$12000.00} is required.
In the Monthly Statement from PHH for XX/XX/ 2022, XXXX statement clearly indicates PHH ADDED, in violation of the PHH Closing Documents aka written contract PHH has with me, the real estate tax payment due to the loan. The PHH Closing Documents aka written contact PHH has with me is that property taxes was to be paid by the PHH from the PHH-withheld {$12000.00} XXXX funds.
I remain sick with worry and frantically afraid.
In XX/XX/2022 my home insurance was up for annual renewal and a {$740.00} premium was due to renew it. To renew my homeowners insurance {$740.00} was due XXXX XX/XX/ 2022 per my homeowners insurance company, see their enclosed letter. According to the PHH XXXX XXXX 's email and Closing Documents my homeowners insurance renewal was to be paid from {$12000.00} XXXX funds withheld and administered by the PHH of which {$12000.00} had been withheld from me from refinance loan proceeds to fund the Lender-held and Lender-Administered XXXX.
In the enclosed letters from my homeowners insurance company, XXXX XXXX, dated XXXX XX/XX/ 2022 and XXXX XX/XX/2022, each clearly states Minimum Amount Due : {$740.00}. We have billed the following mortgage company for the total amount due shown above PHH MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number : XXXX which is the SAME address PHH identified in their loan documents, AND We have already sent your mortgage provider a payment request. PHH and its correct address and the due date is on the correspondence I received from my homeowners insurance company.
In the 2022 Monthly Statements from PHH 2022, they clearly document PHH FAILED, in violation of the PHH CLOSING DOCUMENTS aka written contract PHH has with me, to pay my home insurance, let alone timely pay it as required by the PHH loan documents aka PHH contract with me. The PHH CLOSING DOCUMENTS aka written contact with me is that it was to be paid by the PHH from the PHH-withheld and PHH administered {$12000.00} XXXX funds XXXX
See enclosed where I then received in the mail from PHH dated XXXX XX/XX/ 2022, documenting that PHH again violated its PHH CLOSING DOCUMENTS aka written contract with me as it failed to pay my homeowners insurance premium {$740.00} which was due on XX/XX/2022, from the XXXX-withheld and administered {$12000.00} XXXX funds so now I do NOT have homeowners insurance, and PHH is now WRONGLY threatening me with in violation of PHH XXXX XXXX email and PHH Closing Documents aka contract with : The insurance we buy : * May be significantly more expensive than the insurance you buy yourself.
* May not provide as much coverage as an insurance policy you buy yourself.
I then received in the mail from my homeowners insurance company, XXXX XXXX, dated XXXX XX/XX/ 2022, that We did not receive payment for your policy renewal which was due on XX/XX/2022. As a result, your renewal policy offer expired on XX/XX/2022, and coverage under the policy no longer exists. See enclosed.
I remain sick with worry and frantically afraid.
Due to XXXX failure to pay the {$740.00} homeowners insurance from the PHH-withheld and PHH administered {$12000.00} XXXX funds according to PHH Closing Documents aka written contract PHH has with me I NO longer have home owners insurance.
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| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am a XXXX XXXX XXXX, negotiating a Short Sale with PHH on behalf of an Estate in the state of Pennsylvania.
We submitted a complete package ( loss mitigation assistance application, Estate documents, listing documents, offer documents, etc. ) to PHH on XX/XX/2022. They were confirmed as received by XXXX with PHH on XX/XX/2022.
On XX/XX/2022, XXXX with PHH requested a revised Mortgage Assistance Application. We were told we needed to put zeroes in the financial columns to show that there was no income/expenses and to make it very specific. Those changes were made, a very large " BORROWER IS DECEASED '' watermark was placed on each page, and it was re-submitted on XX/XX/2022.
On XX/XX/2022, XXXX with PHH confirmed that the revised Mortgage Assistance XXXX had been received and was submitted to underwriting for further review.
On XX/XX/2022, I spoke with XXXX at PHH. She informed me that the account had to be put through Loan Modification review before it could be sent to the Short Sale team for review. I asked XXXX to please request that the file go directly to Short Sale review, as the Borrower is deceased and there is no one to assume responsibility of the loan. She put in the request for this to take place.
On XX/XX/2022, I spoke with XXXX at PHH again. She informed me that the file had been sent to Short Sale for review.
On XX/XX/2022, I received a call from our Account Manager at PHH for this file, XXXX XXXX. XXXX confirmed that the file was sent to Short Sale for review, BUT in order for them to start the review, they would need the Short Sale documents ( such as mortgage assistance application, listing documents, offer documents, etc. ). I told XXXX that documents were sent on XX/XX/2022 to XXXX, to which he replied that that email no longer exists... I told him that on XX/XX/2022, XXXX confirmed receipt of the documents that were sent on XX/XX/2022. He then confirmed that they had been received. XXXX told me that he would be escalating this file to the Short Sale team so they could begin their review.
On XX/XX/2022, I spoke with XXXX at PHH. He told me that the escalation did take place on XX/XX/2022, and could take up to XXXX business days, but assured me it was being reviewed by the Short Sale team.
On XX/XX/2022, I spoke with XXXX at PHH. When I asked for an update on our Short Sale review, she put me on hold to check on it. She came back on the line and made me aware that there was NO application that was opened for Short Sale review. I told XXXX that XXXX, our Account Manager, escalated the file to the Short Sale team for review. XXXX told me that she would re-escalate the file to the Short Sale team, but it could take XXXX business days.
On XX/XX/2022, I spoke with XXXX at PHH. She told me that they needed to verify Successor in Interest information before they could move forward. I explained to XXXX that Successor in Interest does NOT exist in the state of Pennsylvania. There is no " Executor 's Deed '' giving ownership rights or personal liability of the loan to any other party besides the Estate itself. A court-ordered Short Certificate is issued, which gives the named party the rights to make all decisions on behalf of the Estate. XXXX reached out to Underwriting AND a Manager for me to explain the Successor in Interest situation. I was transferred to an Escalation Manager at PHH by the name of XXXX who informed me that we should be okay to proceed without Successor in Interest XXXX.
XXXX transferred me to XXXX, a Short Sale XXXX at PHH, to explain the situation as well. XXXX asked me if we submitted the " Assignment of Mortgage '' ... I asked her to please clarify that, as we do NOT have any Assignment of Mortgage. She then told me that if we don't have it, we need to provide the " Deed ''. She clarified that she was talking about the XXXX 's Deed, transferring ownership rights from the XXXX to the Executor/Administrator. I explained to her the same information regarding the XXXX in XXXX and that it does NOT exist in Pennsylvania. There is no such Deed transferring those ownership rights to anybody prior to the sale of the property to the Buyer. At the time of the sale, the Deed is transferred directly from the XXXX to the new Buyer. XXXX opened a task for this to be looked into, and told me if she needed more information, she would call me back. I never received a call back from her.
On XX/XX/2022, I spoke with XXXX at PHH. He stated that there was a request raised to the Short Sale team, BUT it had been closed. Upon checking why it had been closed, XXXX informed me that documentation was needed to confirm XXXX in XXXX. He stated there was a letter that was sent out requesting Successor in Interest documentation, but after explaining the Successor in Interest situation again, he confirmed that we would be moving forward WITHOUT Successor in Interest documentation.
On XX/XX/2022, I spoke with XXXX at PHH. They reviewed the account and confirmed that PHH had a complete application for the Short Sale.
On XX/XX/2022, I spoke with XXXX at PHH. XXXX stated that PHH was in need of a Driver 's License for the Executor, XXXX XXXX XXXX XXXX and a document showing that he is able to make decisions on behalf of the Estate. I was told to submit the documents to XXXX. I sent the Executor 's Driver 's License AND the Short Certificate to that email address the same day.
On XX/XX/2022, I received a secured email from XXXX stating that they received the documents. They told me that they had already updated their system and have confirmed XXXX XXXX XXXX XXXX as the Executor. I sent them a message through the secured portal and asked what out next step is. I also asked if the Short Sale review will be opened now for this file.
On XX/XX/2022, I spoke with XXXX at PHH. XXXX told me that he can not discuss the loan with me because I am NOT the customer... I needed to go online and download a mortgage assistance application and submit it for review. I told him that we already submitted everything we needed to for the review on XX/XX/XXXX... He checked the account, but stated he could not see any documentation. He did state that there was a short sale requested, BUT there was no open application for loan modification and/or short sale. I told him I needed to be escalated or transferred to a manager. He told me he would put a note in the system that I requested an update but that would be all he could do.
On XX/XX/2022, I spoke with XXXX at PHH. I asked him for an update. He told me he would be escalating the file to the Short Sale team, and that the review could take XXXX business days.
On XX/XX/2022, I spoke with XXXX at PHH. She told me that PHH was proceeding with a loan modification review, and once that was finished, they should be proceeding with the Short Sale review. She then placed me on hold to check on the documentation and see if anything else was needed. She told me that the loan modification review was actually closed and the file was sent to Short Sale for review.
On XX/XX/2022, I received a call from XXXX, a relationship manager at PHH. XXXX told me that there were no updates on our Short Sale review and that I should have an update by the next Monday, XX/XX/2022.
On XX/XX/2022, I spoke with XXXX at PHH. I requested an update on our Short Sale review, and he simply asked me if I received the letter... I asked XXXX to please clarify what letter he meant? All he stated was that it was for the Short Sale. XXXX then told me that he believes we were still under process for assuming the loan... I asked XXXX WHO was assuming the loan? He stated that the Executor is, and that they need Successor in Interest information to proceed. I explained that that absolutely will not be happening. Successor in Interest does NOT exist in the state of Pennsylvania. XXXX started to say that I had a scheduled call back with our Account XXXX on XX/XX/2022 and they would be able to help me at that point in time. I told XXXX that that is not acceptable, and that I needed an update prior to that as it was about 2 weeks away. I explained that XXXX had told me on XX/XX/2022 that I would have an update on the account by Monday and that if XXXX could not provide me one, I needed this file escalated to a supervisor or XXXX immediately. He checked if one was available for me, and told me that no one was. He said I should be receiving a call back from a manager in 2 business days.
On XX/XX/2022, I spoke with XXXX at PHH. He asked me if I had confirmation that this file was sent to the Short Sale team for review. I told XXXX that I have been told by TWO different Account Managers at PHH, XXXX and XXXX, that this file has been sent to the Short Sale team for review. He informed me that there is a Successor in Interest process that is currently taking place on this file because the Borrower is deceased. XXXX also made me aware that the review could take up to 60 days. I asked XXXX to please transfer me to a manager so I could speak with them.
I was transferred to a manager by the name of XXXX. XXXX told me that as far as the process is concerned, there was a request that was placed for the file to be reviewed by the Short Sale team. XXXX then brought a Resolution Specialist by the name of XXXX to help me further.
The Resolution XXXX, XXXX, told me that the exact reason for the delay is because someone is required to assume responsibility for the loan before they can proceed with a loan modification OR short sale. I told him that absolutely will NOT happen. The Estate is responsible for the loan, and the Estate is being represented by XXXX XXXX XXXX XXXX, who decided the best route for the property would be a Short Sale due to the Insolvency of the Estate. There is NO Executor 's Deed giving XXXX XXXX XXXX XXXX ownership rights of the property and there will not be. He is simply the Executor, NOT Successor in Interest. XXXX stated they were only following the FDCP ( Fair Debt Collection Practices Act ) Law and until someone assumed responsibility of the loan, they would not be proceeding. I let XXXX know at that point that we would be filing a complaint with CFPB because PHH is NOT abiding by the laws of Pennsylvania.
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| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I filed for a mortgage modification through XXXX XXXX XXXX, XXXX twice. I was granted a trial modification both times. However, due to actions of OCWEN I was not permitted a final modification. I recently went through a divorce, and I am XXXX. In short, these are the reasons for needing the modification, along with my now ex-wife stealing our mortgage money and giving it to her parents.
The first modification I was approved for was a HAMP in XX/XX/XXXX.
The Hamp modification was delivered to my mail box on either XX/XX/XXXX, or XX/XX/XXXX if I remember right, it was approximately 3 weeks into XX/XX/XXXX. The first letter that was received stated the first payment was due XX/XX/XXXX the the following week I received a letter with the actual modification agreement with the payment schedule. Just prior to receiving these letters I had filed for legal aid through 'Legal aid of XXXX Ohio ', because they were continually telling me they weren't receiving documents and papers I was sending them. Now I received a letter the third week of XX/XX/XXXX telling me my first payment was due over a month and a half prior to receiving it, and a package the fourth week of XX/XX/XXXX stating the first payment was due XX/XX/XXXX first. Both of these documents stated that if I did not make all three trial payments on time I could not be granted a permanent modification. The attorney was no help. I needed verification that since I was already one to two months late, depending on what I went by, that I wouldn't be refused a permanent modification. Ocwen wouldn't speak to me since I had an attorney, and when I was able to get ahold of the attorney he just kept blowing me off and saying it wouldn't be a problem and just make the payments that weren't made on time. So They refused my modification. Then in, I believe it was XX/XX/XXXX, I hired XXXX XXXX from XXXX XXXX XXXX in XXXX, Ohio. She really pulled one over on me. She told me how not only was she going to stop the foreclosure, but make OCWEN make all the missed payments, and how she was going to sue them for wasting my time, etc. You know the spill. She also talked me into joining some class action lawsuit a supposed colleague of hers in XXXX was filing. I never heard from them, and all she told me was that this attorney use to be the Attorney General of Ohio. I gave her a {$1000.00} cash down payment and was suppose to pay her {$500.00} a month. She lead me to believe that this would be taken care of in approximately two months. After the first month I quit paying her. She also mysteriously didn't have numerous documents that I gave to her, and was on vacation for several weeks during this time she was suppose to be getting this taken care of for me.
This leads me to the most current issue at hand, and the main reason for this complaint. I had almost given up hope, but finally decided to try again. So, in, I believe XX/XX/XXXX, I filed again for a mortgage modification. After a couple months of constantly having to Re-Send numerous documents to OCWEN, which they already already had for two years, I was turned down for a modification. They claimed I did not provide them with all of the necessary documents they requested even though I had fax receipts showing they received them. I actually had a lady from XXXX on a three way call, I believe the end of XX/XX/XXXX, and she got them to admit that the documents did come to them but there was a problem with the fax machine on their end, but I was still denied. Anyway, In XX/XX/XXXX I start hearing from family and friends that my home is on the county website for auction on XX/XX/XXXX, and then receive a letter from OCWEN on XX/XX/XXXX ( That's when it arrived in my mail box ) That my home was going to be auctioned off on XX/XX/XXXX. To make a long story short, I filed for an emergency bankruptcy on Friday XX/XX/XXXX and faxed it and emailed it to OCWEN and hand delivered it to the Sheriff 's office the same day to stop the sale. I then filed for another modification in XX/XX/XXXX. I mailed it certified and video taped every document inside of the package and me mailing it and attached it to the email to OCWEN. In XX/XX/XXXX I was approved for a trial modification the three payments were due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately called OCWEN to remind them that I don't get paid until the XXXX of the month and they said if I mailed it out anytime the first week of the month it would be fine. So, I made all three of the payments like I was suppose to, but the final modification wasn't here the first week of XX/XX/XXXX when my next payment was due, so I called them. I told them that I wanted to make my next payment but the final modification papers weren't here for me to review. This was approximately XX/XX/XXXX. The individual I spoke to told me they were still being prepared and that they would be sent out soon. I told him that I felt they should have been done and sent already so that I could make my payment on time.
He told me I could still make the payment. I explained to him that I had a right to review the documents first and after all of the mistakes that had been made with my account I felt I should review them first. I called them back the following week and was told they were going out in the next few days. I didn't receive them until, I believe it was XX/XX/XXXX. Just prior to this on about XX/XX/XXXX, I decided that I should at least mail in the payments so I didn't start getting behind and argue about the paperwork later, so I mailed them two checks. One for XX/XX/XXXX and one for XX/XX/XXXX. After I received the documents around the XXXX, I signed and notarized them and mailed them back on the XXXX or XXXX. Later in XX/XX/XXXX, I don't recall the date, I received the two checks back in the mail stating the amount wasn't enough to bring my account current. So I immediately set up an appointment with my account manager for the first available date he had open, which he didn't keep and had to reschedule. About a week after I received the checks back I received a letter denying my modification stating they had never received the signed agreement ( The one they mailed to me a month late ). I just found the dates. The earliest appointment I could get with my account manager was tuesday XX/XX/XXXX at XXXX XXXX, which he didn't keep so I rescheduled for Friday XX/XX/XXXX at XXXX XXXX. During this conversation He told me that they never received the signed modification papers. I explained to him how the papers weren't here when they should have been, how I went ahead and sent the checks in before even receiving the modification, and that I did sign and notarize the papers and sent them back. I also reminded him of the numerous other times they claimed not to receive documents and how they even admitted to a third party ( the lady from XXXX that they did receive documents they claimed not to receive and it was an error on their part. I got him to agree to let me resend the checks and the modification package. He said as long as they received it by the end of the day on XX/XX/XXXX that would be fine. He told me that now I had to go have my ex-wife sign this document too. Now, from day one in XX/XX/XXXX all the way until this time, they had Never required her signature for anything. None of the applications for modification or anything else. I would always just put a line through her name. They have been sent the quit claim deed three times now. My ex-wife, XXXX XXXX, has discharged this debt in a bankruptcy. She has No financial obligation to OCWEN and no rights to the deed. I re-explained this to him again, and he said it would be too much work to take her name off. I told him I didn't care how much work it was, that I wasn't asking her to sign it, and that she wouldn't do it for me anyway. I told him that ever since they found out I was XXXX and receiving social security, they have been making excuse after excuse and running me in circles sending the same documents over and over. Not sending me things on time and then holding it against me. I reminded him that I have done everything they have asked me, and I made my payments on time. I told him she don't live here, owe you any money or have a right to this property in any way, so why does she have to be on my loan modification. He then tried to say that the modification had to be the same as the deed was recorded in the county. I then told him, if the modification has to reflect what the county has, then you are doing it wrong, because the county showed me, XXXX XXXX XXXX XXXX and the only property owner and that her name was not recorded as the property owner with the county Auditor. I told him I was going to get a copy of my property description and another copy of the quit claim from the county and send it to them. He told me to get them and send it in with the notarized and signed documents by the end of the day on Friday XX/XX/XXXX and he would try and get it worked out if he could. Monday XX/XX/XXXX, I received a letter from Ocwen stating that my modification was being turned down. Today XX/XX/XXXX, they came to my door and handed me a letter stating that my home was going to be auctioned in a month, an exact date has not been set at this time. Also, in OCWEN 'S last letter to me stating I was being turned down, they did say I could request another modification. What a joke. I noticed while reviewing the permanent modification that they were double charging me for the missed payments too. They were charging me for principle and interest for that period, but not deducting it from the loan amount. Also, charging me for overpriced insurance that only covered their property and none of mine.
I have done everything this company has asked me to do to keep my home, but some of the things they are doing are just wrong, and not possible. If my ex-wife was still in debt to them I could understand making her stay on the new loan, but she's not, nor does she have any claim to this property. Please help me get this fixed, all I want to do is keep my home and pay my mortgage.
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| 05/26/2017 |
Yes |
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Web |
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Hello Consumer Financial Protection Bureau, My name is XXXX XXXX and I filing a complaint against Ocwen. It is in regards to a short sale on my property.
I placed my home on the market for a short sale because I was struggling to pay my mortgage payments. All short sale documents that were requested by Ocwen were collected from my real estate agent and submitted to Ocwen on XXXX XXXX 2017 . M y offer was submitted a week later. Ocwen did not provide approval for the short sale until XXXX XXXX 2017. The first buyer walked away because he did not have the finances to purchase the home after waiting 3 months. The approval was good through XXXX XXXX 2017. My real esta te agent located a new buyer several days later on XXXX XXXX 2017. She called Ocwen and advised them that my new buyer wanted to settle by XXXX XXXX 2017. Ocwen advised my agent that she would have to submit the new contract and they would send her a new approval letter within 7 days. Please understand that the new buyer was offering {$180000.00} dollars cash. The same as the first buyer. There would only need to be a name change of the buyer on the documents. The numbers on the settlement disclosure would not have to change because the first approval was good u ntil XXXX XXXX 2017. My real estate agent and I have called constantly since XXXX XXXX 2017 a nd there have been different account representatives with different explanations. The negotiator has been calling daily fo r 2 weeks advising Ocwen that the buyer is going to back out of the contract if we can not settle by XXXX XXXX 2017. We have been told that we would receive a new appr oval letter in 7 days. A week later when we call they will say 7 days. Sometimes when we call they will say that we will receive an update in 3 to 5 days. On Monday XXXX XXXX 2017 m y attorney was advised it would be 20 days. The last call that my attorney made was on Thursday XXXX XXXX 2017 and they said it would be 30 days. So, it has been 26 days for them to provide an updated approval letter. On XXXX XXXX 2017 they requested a new settlement disclosure because they said the numbers were changing. Why would the numbers change when my first approval was good until XXXX XXXX 2017. They have been giving my attorney, my real estate agent and myself the run around. The new buyers is going to walk away from this deal because of the amount of time it has taken them to approve this sale. My house will eventually go into foreclosure and I will receive a deficiency for a issue that is not my fault. How can they offer you an alternative to foreclosure and then treat you this way. I believe that they want to foreclose on my home instead of helping me. This is the second buyer that has walked away because of this. Can you please help me to resolve this matter so my home does not go into foreclosure. Please find attached the notes I received from the attorney negotiating my file and the first approval letter to back up what I am saying. X/XX/17 - I called the lender and they said that they have timed up the file for managers review. The rep said that the file escalation would take between 3 to 5 busin ess days. She said that the review would take up to 30 days for the full review /A BL . X/XX/17 -PLJ-called Ocwen and spoke with XXXX in the Advocacy Team . XXXX transferred me to a supervisor in the home retention department, XXXX ( XXXX ) . XXXX stated that she contacted the underwriters to see if there is anything else they need and requested that they escalate the file. This office should hear from XXXX by Friday XXXX XXXX 2017. XXXX is the relationship manager for this file. X/XX/17 -PJ-c alled lender and spoke with XXXX XXXX ( ID # XXXX ). XXXX stated that we should receive an update in 7 days. I explained to rep that they have been advising that we will receive an update in 7 days si nce XXXX XXXX 2017. R ep stated that we are calling to often and that is why they tell us that. I gave him the dates and times we have called and asked them what was causing the delay. He told me to call back in 7 days. X/X/17 -PJ called lender and spoke with XXXX ( ID XXXX ). XXXX stated file in underwriting and they have placed a rush on this file. We can follow up in 2 days. They have all docs and there is no sale dat e X/X/17 DK called lender agent XXXX transferred me to XXXX ( advocacy team ) spoke to agent XXXX . They rsv 'd new buyer contract on X/XX/17 and it is under review. The prior HUD they have is for a XX/XX/XXXX settlement. This file is Not approved for settlement. They will pay the HOA but do not term HOA lien as a " junior lien ''. Ok to leave on HUD. Need updated HUD for settlement date from XX/XX/XXXX to XX/XX/XXXX . Faxed New HUD and updated HOA payoff. Lender should have a response within next week or so since price did not change. Should still be able to settle by end of XXXX . Call buyer and seller to advise of minor delay. F.U. on Monday XX/XX/XXXX . TUESDAY XXXX XXXX 2017 I called ocwen for an update. The short sale is still under review. The rep said that it could take up to 20 days for decision. The rep set us up for a conference call with the Relationshi p Manager next Tuesday at XXXX . WEDNESDAY XXXX XXXX 2017 at XXXX Can call back and check on Tuesday XXXX XXXX 2017 f or an update. File is still in underwriting. I spoke with XXXX ( XXXX ) in the customer care department ( Modifications and short sales ). WEDNESDAY XXXX XXXX 2017 at XXXX On the above date and time I called Ocwen in reference to an update on the file and I spoke with Rep. XXXX ( ID XXXX ). XXXX advised that all updated information has been received and submitted for review. It will take approximately a week or so to obtain another approval. I can email for an update to ( XXXX XXXX XXXX ). I will call back on Wednesday XXXX XXXX 2017. MONDAY XXXX XXXX 2017 X/XX/17 -f axed over updated packet to Ocwen-COS- APPROVAL LETTER, HU D 1 , AOI SATURDAY XXXX XXXX 2017 Received offer from XXXX XXXX XXXX XXXX XXXX an d it was ratified on the same date. Received Articles of Incorporation and organization. Placed COS, Updated HUD 1, and AOI packet together to forward to Ocwen for new approval for XXXX XXXX 2017. THURSDAY XXXX XXXX 2017 Received Short Sale Approval MONDAY XXXX XXXX 2017 at XXXX On X/XX/17 I spoke with XXXX ( XXXX ) in the Home Retention Department. XXXX stated that file was in review and we should hear something bac k by XXXX o r at the least, XX/XX/17 . TUESDAY XXXX XXXX 2017 at XXXX Buyer called to advise that he can not purchase the house because he no longer has the funds to do so anymore because the approval took to long. I calle d 2 agen ts that requested that I hold their contracts as backup offers. MONDAY XXXX XXXX 2017 at XXXX Called Wells Fargo Custo mer Service ( XXXX ) to obtain update on lien release. Spoke with Rep XXXX and she stated that the lien release should be in our office by fax by Monday XXXX XXXX 2017. The case number for that file is XXXX . For future updates call the customer service line and ask for the lien release department. WEDNESDAY XXXX XXXX 2017 O n the the above date and time I received a call from a representative at XXXX XXXX by the name of XXXX XXXX . XXXX works in the customer care and recovery group. ( telephone: XXXX . XXXX stated that the lien request was received and we should have it back by XXXX XXXX 2017 or sooner. MONDAY XXXX XXXX 2017 at XXXX Faxed revised settlement statement to ocwen. MONDAY XXXX XXXX 2017 On Monday XXXX XXXX 2017 at XXXX , I called XXXX XXXX and spoke with XXXX in the customer service department. XXXX asked me to resend lien release letter and she will expedite file. XX/XX/XXXX lien release letter was re-faxed to wells at XXXX at XXXX . MONDAY XXXX XXXX 2017 at XXXX Received Conditional Short Sale Request from Ocwe n . FRIDAY XXXX XXXX 2017 at XXXX On Friday XXXX XXXX 2017 at XXXX , I called Ocwen at XXXX . I spoke with XXXX ID XXXX in the short sale department. XXXX confirmed the fax number as XXXX to fax all documents. He also stated for me to emal the documents to his email at XXXX XXXX XXXX . On the same date I faxed the third party approval, proof of funds and contract of sale to ocwen at XXXX . I emailed the same documents to XXXX at XXXX on the same date. XX/XX/2017 @ XXXX -I fa xed over to Ocwen ( XXXX ) the short sale package and HAFA form signed by seller/emailed to XXXX at Ocwen in the short sale department THURSDAY XXXX XXXX 2017 On Thursday XXXX XXXX 2017 at XXXX I called Ocwen at ( XXXX XXXX ). I spoke to XXXX ( ID XXXX ) in the Short Sale Department. XXXX advised that the home was discharged in a bankruptcy. XXXX stated that I am an authorized user on the account. XXXX stated that Ocwen will need the following, A SHORT SALE PACKAGE, SALES CONTRACT, A LISTING AGREEMENT IS NOT REQUIRED BUT i CAN SEND ANYWAY. HUD1, JUNIOR LIEN, IF LLC WILL NEED ARTICLES OF ASSOCIATION OR PROOF OF FUNDS. EMAIL TO : XXXX XXXX XXXX FRIDAY XXXX XXXX 2017 O n Friday XXXX XXXX 2017, I called Ocwen at ( XXXX ) to obtain a fax number to send the release of authorization for XXXX XXXX XXXX . I faxed the release to ( XXXX ) on Friday XXXX XXXX 2017 at XXXX . Any help in this matter will be greatly appreciated.
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| 06/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In the month of XXXX XXXX, we were taken aback when I went to pay our property taxes and discovered that the property taxes had been paid. Curious to find out what was going on I immediately called the XXXX XXXX County Tax Collectors and was advised that my mortgage company Ocwen had paid my taxes for XXXX and XXXX. I disputed what the tax collector representative had advised me about the XXXX taxes as I had paid my XXXX taxes myself and wanted to know where or to whom my payment was credited. I then called Ocwen spoke with one of their representatives and was advised that I had failed to pay my XXXX and XXXX taxes and as a result my mortgage payment was increased to an approximate $ 200+ additionally per month. I advised the Ocwen representative that I had personally paid the XXXX taxes and there was no need for them to have paid them, and there must be some kind of mistake. I also questioned why they paid the XXXX property taxes 5 days before the early payment due date. Again, I explained that we do not need Ocwen to pay our property taxes. I also explained that we had paid XXXX and would have done so in XXXX if they had not gone into our account 5 days prior toXX/XX/XXXX the due date for discount. The Ocwen representative advised me that if I had the receipt to show that we paid the XXXX taxes that I would need to submit a copy to them to show that I had done so. A couple of days later, confident that this situation would be cleared up as soon I was able to provide proof of payment ( see attached receipt dated XXXX/XXXX/XXXX ), I decided to investigate where the payment went. I called the XXXX XXXX County Tax Collectors Office and was advised again that I had not paid the XXXX property taxes. Not satisfied with the representatives explanation, I asked to speak with his supervisor. He took my contact information and later that afternoon the supervisor called me back. I explained to her that the XXXX property taxes were paid, and if the payment did not post to our account where did it go. The supervisor took my contact information and asked if I could give her a day or so to research what happened to my payment and that she would to get back with me. I located the receipt showing that indeed the XXXX property taxes were paid. In the meantime, I mailed our XXXX XXXX mortgage payment in the amount of {$1500.00} which is the payment that I have always paid. I continued with my regular payment knowing that the missing or misplaced property tax payment would be found and the account would be credited. After having and recuperating from a medical procedure in XXXX XXXX and not yet receiving a call back from the supervisor at the tax collectors office, in the month of XXXX XXXX I decided to call the tax collectors office and was finally able to speak with the supervisor. I explained to her as I had explained to the representative that I had made the payment on our XXXX property taxes and wanted to know what happened to it. The supervisor pulled the account up and according to her the only thing that the account was showing, was that the XXXX property tax had not been paid and that a tax certificate was purchased and paid for by Ocwen. Adamant about the payment, I wouldnt let it go. I asked that if I made my payment and had the receipt for it where did my payment go. I also asked her was it legal for my mortgage company to go into my account 5 days prior to the XXXX XXXX, due date and pay the bill so they can try to force me to have to pay into an escrow account. I asked her that if I came into their office and showed them the receipt for the XXXX tax year and made the payment for the XXXX tax year could they send the mortgage company their money back. I also explained to her that after the mortgage company went in early and paid the XXXX taxes, they immediately increased my mortgage payment by $ 200+. The supervisor advised me that if this is what the mortgage company had done it was illegal because by law the mortgage company must give the customer at least a 45-day notice before they can make a change to the mortgage payment. I advised her to look at the date the XXXX taxes were paid and that according to what Ocwen had done, the payment had increased 5 days later. I asked her what could be done about it and she gave me the number to the state of Florida Office of Financial Regulations ( OFR ). I immediately hung up with her and called the OFR and explained what was going on with me. The OFR representative advised me to go online and file a complaint. Since it had not been determined where the XXXX property tax payment had posted, I decided not to file a complaint until I had all my documents together. After my conversation with both the supervisor at the tax collectors office and the OFR representative in XXXX XXXX, I continued my research to find out where the XXXX tax payment went. I also made my XXXX XXXX mortgage payment in the original amount of {$1500.00}. I continued my research of the XXXX property tax payment throughout the month of XXXX XXXX. After a few weeks of digging I finally found out where the XXXX property tax payment went. I called the tax collector supervisor and explained that I had discovered that the XXXX property tax payment was credited to another property that my husband and I own instead of being credited to the XXXX XXXX XXXX XXXX address ( see attached receipt ). Shortly after my conversation with the supervisor at the tax collectors office ( on XXXX XXXX, XXXX ), I went to my bank purchased two cashiers checks in the amount of {$930.00} for the XXXX property taxes and {$770.00} for the XXXX property taxes. I then wrote a letter to Ocwen explaining what happened with the XXXX and XXXX tax payments ( see attached letter dated XXXX/XXXX/XXXX along with copies of bot cashiers checks ), to cancel the escrow account because it is not needed, and then I mailed the letter and copies of both cashiers checks via certified mail to them. I continued to make my mortgage payments each month online in the original amount of {$1500.00} ( see attached bank statement details showing payments and canceled checks ). On FridayXX/XX/XXXX I attempted to pay my mortgage payment in the amount of {$1500.00} online, and via the automated phone system and discovered that I was locked out. I then attempted to make a payment via a live representative ( ID # XXXX ) and met with further resistance. The representative would not accept my payment over the phone. I then contacted the Florida Bars Lawyer referral service, and was referred to an attorney was advised at my consultation meeting with him to mail my payment of {$1500.00}. OnXX/XX/XXXX, I mailed the payment along with another letter ( see letter dated XXXX XXXX, XXXX ). I continued each month to overnight express mail my monthly mortgage payment of {$1500.00} to make sure that they received it and that someone would have to sign for it. Ocwen continued to take those payments each month until XXXX XXXX, XXXX. I overnight expressed mailed my XXXX XXXX payment on XX/XX/XXXX, and on Friday XXXX XXXX, XXXX I checked my bank account and discovered that the payment had not posted yet. I immediately called Ocwen spoke with Ocwen representative XXXX ( ID # XXXX ) who advised me that my XXXX payment was rejected as of XX/XX/XXXX. I asked why and he advised me that my account was 114 days past due. I advised him how could that be when I have religiously sent in my mortgage payment each month and that they are holding almost {$3000.00} of my money in an escrow account ( see document showing escrow balance }. I advised him that it appeared to me that it should be the other way around in that they owed me money. I then asked him why are they continuing to hold my money hostage, and what is the escrow account for. He advised me that it was for the payment of my property taxes. Knowing that I had paid the XXXX and XXXX property taxes ( see attached copies of cashiers checks ), and personally paid the XXXX property taxes ( see attached receipt ), I then asked him : do I owe any property taxes? XXXX never answered that question because the answer to that question is no. I then asked him who was the government regulating body for Ocwen and he advised me that it was the Consumer Financial Protection Bureau. I contacted them and spoke with a representative there XXXX. I explained to her what was happening and she advised me of what I needed to do. I also contacted the state of Florida OFR and spoke with representative XXXX who immediately connected me to special Ocwen analysis XXXX. XXXX also advised me of what I needed to do so I started locating and gathering documents associated with this situation. On Tuesday XX/XX/XXXX, I received in the mail a letter and my XXXX XXXX payment from Ocwen which they have rejected and returned to me ( see copy of attached letter and check ). Today I am reaching out to the CFPB and the state of Florida OFR for help. My home is finally above water and I am now in a position to where I can finally get out from under Ocwen and the disparaging treatment that we have endured since becoming a customer. For the past 8 or 9 years Ocwen has put me and my family through a living XXXX and I am so tired of the harassment, the sleepless nights, the fear of losing my home, the stress, the aggravation, the fear of losing any chance of getting another company to accept me as a customer because Ocwen is reporting late payments to the credit bureaus when I have made all my mortgage payments on time. I am at a point where I do not know what to do. I do know that we dont want to lose our home, especially since we have paid our mortgage religiously each month. How can they be allowed to continue to treat people the way they do? When you try to talk or reason with them they treat you as if you are XXXX, XXXX or all of the above. They have no intention of helping their customers.
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| 05/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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My loan was originally with XXXX XXXX XX/XX/XXXX. It was a predatory loan. that state of XXXX AGO sued XXXX XXXX XXXX and came to a settlement in XX/XX/XXXX.
I have been working with the AGO and XXXX XXXX foreclosure prevention for years. XXXX XXXX serviced my loan until American Home Mortgage bought out their servicing.
We were in default and had done a loan modification agreement with American Home Mortgage dated XX/XX/XXXX that was filed with the XXXX registry of deeds it is not the correct modification on file. Back in XX/XX/XXXXAHMSI sent out a modification agreement after a trial period. This WAS NOT in light of the XXXX XXXX Settlement the XXXX XXXX consent judgement was XX/XX/XXXX. There was no loan forgiveness, all fees were charged, it was not a HAMP modification, or a modification that was a waterfall. It was a negative amortization. AHMSI added over {$28000.00} to my principal balance in error. Two things happened.
1. They had the wrong principal balance on the loan modification that was recorded 2. They never changed the terms of the previous loan in their system. So the XX/XX/XXXX modification was not filed in their own system. When I made payments, they were applied to the old loan. When I discovered that they had the wrong principal amount and they had never changed the loan terms in their system I sent a letter. It took AMHSI until XX/XX/XXXX to send out corrected paperwork for the principal balance, and longer to fix the terms of the loan in the AHSMI system. They never recoreded the corrected modification in the registry in the registry of deeds. When I made a payment it went against the old loan. Made my account look as though it was in default a the time. They would not accept payments, put me in foreclosure, I have a print out of my AHSMI online account access from XX/XX/XXXX from my own account access with AHMSI. My husband and I filed bankruptcy to save our home in XX/XX/XXXX. We were products of the subprime crisis, XXXX XXXX loans were set up to fail. We first went to the XXXX AGO in XX/XX/XXXX to clear this situation. With no progress we then filed bankruptcy.
XXXX XXXX from XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX attorney for XXXX XXXX filed a motion for relief of stay in XX/XX/XXXX.
1. XXXX XXXX has the fair market value of the real property ( our home ) at {$310000.00} and liquidation value of the real property is {$290000.00}. This is way under valued by {$100000.00}. Estimated fair market value as of XX/XX/XXXX for my home was over {$400000.00}. the home has been completely updated before this date. This was not the market value my property in XX/XX/XXXX. My husband is a XXXX.
2. It says that the debortors XXXX and XXXX owe XXXX XXXX pre petition arrears of {$29000.00}. Our pre-petition amount due to the loan was {$29000.00} which of {$25000.00} was paid to the trustee to XXXX XXXX and XXXX XXXX. ( have a print out from the trustree of our case ) XXXX XXXX claims we have no equity in our property and it is not necessary to an effective reorganization contemplated by 11 U.S.C. 362 ( d ) ( 2 ) ( B ). This is not true, as stated above they had it under valued. Attached to this motion was the mortgage, promissary note, and an Assignment of Deed of Trust from XX/XX/XXXX from XXXX XXXX XXXX assigning my mortgage to XXXX. in the state of XXXX County XXXX that was never filed in the XXXX XXXX County Registry of deeds. The assignment that was recorded from XXXX XXXX XXXX to XXXX XXXX for our mortgage was from XX/XX/XXXX by Vice President XXXX XXXX XXXX XXXX. How are there 2 seperate assignments but only one recorded? XXXX XXXX suposedly bought my mortgage XX/XX/XXXX American Home Mortgage serviced my loan until XX/XX/XXXX transferred service to XXXX XXXX/XXXX XXXX XXXX XXXX transferred service of my loan to XXXX XXXX XX/XX/XXXX XXXX XXXX transferred service of my loan to XXXX XXXX XX/XX/XXXX.
XXXX XXXX the investor of my loan denied me a loan modification three times.
XXXX denial letter for loan modification XX/XX/XXXX XXXX Denial letter for loan modification XX/XX/XXXX XXXX denial letter for loan modification XX/XX/XXXX We were told investor will not modify and there is no other alternative to foreclosure or total amount due. They would NOT except monthly payments. All of the above denials were from the investor of my loan XXXX XXXX. At this time we worked with a foreclosure prevention sponsored by the State of XXXX called XXXX XXXX. We worked with XXXX XXXX. Who had a law background, and sent us back to the AGO because she had concerns with how they were handling the case. She also said our loan was not in the guidelines of the XXXX XXXX Settlment and felt our loan did fall under the settlement. Which under the XXXX AGO Facts settlement page, says if you had a previous modification with AHMSI before the XX/XX/XXXX settlement, YES you can have another modification. We started working with the AGO XXXX XXXX, who was having a hard time hearing back from XXXX XXXX who was now servicing the loan for XXXX XXXX. We then left the AGO and hired a private attorney. We then applied for loan modifications two more times on our own with XXXX XXXX and were denied and told no other alternative to foreclosure. We were denied XX/XX/XXXX and XX/XX/XXXX they said I did not send in all paperwork. They were looking for business taxes which I explained I had a XXXX XXXX not a seperate taxes, they denied me modification saying I did not send in the correct paperwork. After a few demand letters and trying to come to a solution with a private attorney, our attorney reached out to the AGO and we were told that our loan did fall under the settlement. At that point stopped using a private attorney as of XX/XX/XXXX and started working directly with the XXXX. AGO. We had a foreclosure date of XX/XX/XXXX. I was not sure of the progress with the AGO I was not given any information, except that our foreclosure was postponed until XX/XX/XXXX while they continued discussion XXXX XXXX. Mid XX/XX/XXXX I received an email/ call from XXXX XXXX from XXXX XXXX that she was emailing me a Loss Migigation Package to fill out. I filled out all necessary paperwork. Again, I received an email that my package was incomplete, for the same reason stated above. They said no proof of income for me because they were looking for business tax returns. I again, explained that it is a XXXX XXXX filed with my XXXX. Finally they said that the package was complete. Within a week I received a call and email with an offer as follows : Here are the terms we offered as a loan modification for loan # XXXX : Good faith payment of {$30000.00} to be received in certified funds by XX/XX/XXXX.
We will defer the remaining outstanding interest, fees and advances to be part of a balloon due at maturity.
The amortizing principal balance will be {$350000.00}.
Rate = 3.00 % Amortizing Term = 480 months Balloon payment due at the current maturity date of XX/XX/XXXX.
Total payment ( including taxes and insurance ) estimated at {$2000.00} per month.
6 month trial period to start XX/XX/XXXX.
XXXX XXXX saw our financials, know we have been paying an attorney to save our home, know we have been trying to work out a solution since XX/XX/XXXX with XXXX XXXX. XXXX XXXX and XXXX know they have intentionly denied us 5 loan modification over 3 years. Then they approve and offer with a trial period and put a {$30000.00} good faith payment to prevent us from keeping our home. The XXXX AGO asked for them to allow us to start the trial period while we discuss other options for the good faith payment. XXXX the investor denied us and foreclosed on my home on XX/XX/XXXX with a starting bid of {$480000.00} and the home went back to the bank. XXXX XXXX is correct we refinanced our home in XX/XX/XXXXwith XXXX XXXX XXXX, and we could not make the monthly payments on a predatory loan that was a adjustable rate at 9.9 %. It was set up to fail. The state of XXXX filed a law suit against XXXX XXXX for predatory lending. American Home Mortgage, reputation was the same. I have owned this home for 20 years. Why is XXXX XXXX and XXXX XXXX allowed to deny 5 loss mitigation packages over 3 year period, then when the AGO gets involved they give an offer that would have worked out for me and my husband to finally be able to make monthly mortgage payments, but intentionally add a huge good faith payment of {$30000.00} with no other option for me to get them that payment. I offered to pay an extra {$500.00} a month for the first 60 months to get them the good faith payment. They auction off my home started at {$480000.00} which no one would bid on that and XXXX took the home back instead of allowing us to prove we can do the trial period. I even asked since my husband was a XXXX if we could sell the home on our own. They said only if we could close within 3 days before the 14th. So what is the purpose of intentionally draging this out for 3 years with no intention of letting us keep our home? This home was not worth {$310000.00} in XX/XX/XXXX. This home was completely done over and was worth over {$400000.00} I have grafts from this time frame to prove that. I also have original copies of all paper work denial letters. Account print outs from AHMSI, I am in the process of hiring an Mortgage Fraud Analytical Firm. XXXX XXXX monthly statement for my loan as of XX/XX/XXXX says total Amount Due : {$75000.00}. XX/XX/XXXX total amount due {$160000.00} and last statement XX/XX/XXXX Total Amount due {$170000.00}. These statements show a {$2000.00} to $ XXXX monthly legal fees. XXXX XXXX has not addressed any of my issues. Why did XXXX XXXX purchase a loan that was predatory and in bankruptcy and refuse for 3 years to work with us. Denied by XXXX 6 times and they foreclosed on our home taking every bid of equity we had.
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| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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With great emphasis, I reiterate my need and legal right to see the copies the XXXX ( ones that was given ou t ) from XXXX - XXXX . I unwaveringly reject and disputed the validity that ( XXXX ) XXXX was the only XXXX given in the time frame of XXXX to XXXX scope in your XX/XX/XXXX CFPB response ( " In addition, XXXX forms will only be issued in the years where funds were received and there were there is interest to report '' ). The IRS does not requir e Ocwen to report the amount of Taxes paid " but '' New York State ( NYS ) d oes for income tax requirement " since you do operate within the state '' ; and this is a NYS Tax property issue, and New York is one of the states that you do service, and yet Ocwen fail to provide any Tax statements. Ocwen botched basic functions like good accounting and record retention policies for up to 20 years as required by regulatory best practices. This is a another shortcut ( with eleven communications and counting since XXXX XXXX ) to i nvestigate my compliant with runaround and false blanket statements, without fully disclosing the mistakes Ocwen made servicing my account with faulty information. When you find the errors on your information and ways - " Only XXXX '' XXXX vs " More '' XXXX symbolic to " Not In '' possession vs " In '' possession of Tax History prior to XXXX , ( when a fulfilling solution or delivery is put forth by Ocwen the end result is always holes in its solution or disappointment ) this is Ocwen ever-changing status or contradictions and failure to take accountability. How can anyone trust the integrity of Ocwen 's flip-flopping behavior? I am vetting your information you 've provided and finding many serious problems. I believe the IRS and NYS would disagree with your information - ( " only XXXX '' XXXX or XXXX ). I do not think you would get a confirm on this, as there are more XXXX . Your data is faulty between XXXX to XXXX , and it should be double verified from XXXX - XXXX ; and I am very disturb regarding XXXX to XXXX . I believe your system payment history is compromised and lacks the correct workflow feed to Tax history payout XXXX - XXXX . Thank you for your CFPB response dated XX/XX/XXXX case # XXXX . However, after carefully reviewing the letter several times this is obviously nothing less than a smear campaign to cover the struggles of my request and compliant. There are still several important issues that have yet to be addressed, and I have yet to hear an answer regarding the issues below. Please revisit your inaccurate and incomplete information carefully. THIS IS A FAIR REQUEST. 1. In correct and/or misleading info ( eg. " Not in possession of history '' ) - ever- changing status or several contradictions verbally and written, even within the Ombudsman offi ce ; 2. No communications from appropriate departments, persons, etc., and the being given the endless runaround we are now in XXXX XXXX ; 3. Failure to provide any accurate periodic statements detailing how tax charges applied ; 4. XXXX 's inability to tell the truth or to be transparency in the investigation ; 5 . The constant infliction of frustration by evasive tactics to confuse me ( the consumer ) -seemingly strategically deceptive and purposely confusing from XXXX to present ; 6. Volu minous and immaterial data and intricacies, all while engaging in a ceaseless and needless back-and-forth with XXXX from XXXX to present ; 7. Speaking of and making reference to prior servicers ' record retention policies - an action that should have never been resorted to in my estimation, as seen by the example in place by the regulatory body in the aftermath bad behavior by XXXX XX/XX/XXXX actions to XX/XX/XXXX XXXX XXXX . It seems like Ocwen has mishandled my account without full accuracy and completeness, overlooking vitals details ; 8. Resorting to " third party '' Tax history sources as a solution to my specify request, which makes it apparent that Ocwen will tell anything so just to make you go away ), because the " third party '' record does not show who paid the mortgage. This is typical Ocwens shortcut, and the information should come from its own proprietary management systems ; 9. Incorrect and delayed XXXX coupled with non-communication while connected to Ombudsman office, which disaster could of been avoided, contained or mitigated by filing my XXXX Income Tax ; **** Jus t on the aforementioned points alone, Ocwen should take responsibility and pay penalties for its manipulative behavi or. **** Ther e is also the issue of incorrect XXXX information. If XXXX XXXX XXXX ( Consumer Account Analy st ) would have returned any of communications ( voicemails, fax and email messages ), I strongly believe, as stated, that the disaster could of been avoided, contained or mitigated. By filing my XXXX Income Tax, that caused Tax problems with Ocwens inaccurate information on XXXX and the delayed after XXXX / XXXX / XXXX tax day. I had no knowledge of this unti l Ocwen 's CFPB letter of XXXX , and without filing my CFPB compliant I would not have any knowledge of this action, I have not received any notice from Ocwen 's Tax area or any other department regarding this major error. I tried persistently and diligently to contact XXXX XXXX XXXX only to encounter the same systemic and cultural misconduct ( circular and evasive tactics to confuse m e ). I have communicated eleven ( 11 ) times or more with four ( 4 ) departments and five months, but the result has been the same, even in Ocwen 's Consumer Ombudsman office. Truly, I expected better from the largest nonbank mortgage loan servicer - biggest does not mean better. Th e four ( 4 ) engaged department at Ocwen o Research Department o Consumers Advocate Department o HRD Mediation Team o Consumer 's Ombudsman Office There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage servicing activities. Several time s Ocwen retra cted their initial statements, and took no responsibility for the harm caused. This has been the case even in the Ombudsman office by managers. Furthermore, it warrants mentioning that, in my case, Ocwen has been engaging in the same behavior for which it was fined hundreds of millions of dollars in XX/XX/XXXX , along with other institutions such XXXX , XXXX XXXX XXXX , XXXX and other governing entities by the Independent Foreclosure Review ( IFR ). I also received a settlement from a class action suit in XXXX for this same extremely deceptive conduct, which is a flagrant violation of proper best practices, procedures and regulations. This is my third time having to filing with CFP B ( Big Brother ) f or help since XXXX . See below cases : XXXX XXXX Class Action Settlement - Ocwen 's violations on thousands of their customer accounts *** XXXX CFPB case # XXXX - XXXX 's Preemptive Foreclosures and Manipulations with the same as above included XXXX CFPB case # XXXX - Ocwen 's comingled customer accounts by breaking yet another violation this time " Privacy Act information ''. Ocwen has been a repeat offender with its practices and violations of regulatory standards and has not reformed. And yet, here we are again at this junction of time. Truly deja vu Significant damage has been done here. I have made multiple complaints of Ocwen 's deficiencies. The inaccurate information given by Ocwen when interacting with them ; and they have been logged and reflected in the event of my journal. How can a established corporation get away with this kind of communications?
Ocwen 's policy handbook seems devoid of the definition of " escalation ''. Escalation Relationship Manager '' is apparently an empty title for are policy only, with no active proactive procedures to adequately resolve the complaint or escalate the call for investigation. Ocwen has also failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark ( to this current state issues ). This kind of treatment is belligerent. This is the 21st century and regulatory practices demand that the money trail be followed. This is a regulatory violation. Finally, am I the only customer with these Ocwen systemic violations, or are there any voices out there to say " Ocwen failed miserably to adequately investigate and respond to complaints? Without the strong arms of CFPB and FTC being vigilant, the playing field would be characterized by utterly unfair treatment of the consumer in dealing with big financial corporations like Ocwen. It would be unjust for XXXX XXXX , now XXXX XXXX XXXX , to have been penalized back then and for that reason, while Ocwens reckless and repeated bad behavior goes unpunished ( as they systematically and continually violate best practices regulations regarding complain ts ). T hese regulatory rules are designed to be fair for both companies and consumers. No Consumer should have to go through a nightmare like this. Ocwen continues to be defiant to remediate the problem, or in other words stop the bleeding it has caused with its behavior. I need accurate information for Tax Property Reduction & Disability Exemption data from XXXX - XXXX for XXXX XXXX ( her XXXX status for XXXX XXXX XXXX XXXX XXXX ). To move forward with this inaccurate, and incomplete information by Ocwen to the next level of Tax reduction and exemption without vetting the details would have been a huge embarrassment and catastrophic several times worse than the XXXX and regulatory practices failures all together.
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| 07/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan servicer is OCWEN ( OCW ). In XXXX OCW after became servicing my account ( ACCT ) OCW created a negative Escrow Balance ( EB ) without any justifiable reason. My Homeowner Insurance Policy ( HIP ) as well as my Property Taxes ( PT ) were paid by me as per my initial Loan Agreement ( LA ). From XXXX until about XXXX or XXXX I've maintained continuous HIP coverage provided by XXXX XXXX ( XXXX ). For no justifiable OCW regularly more than once charged me for " Forced Insurance Policy '' ( FIP ) at much higher rate. Because of OCWs FIP my Regular Monthly Payments ( RMP ) were routinely and illegally increased by OCW. My attempts to remove unnecessary FIP by calling OCW Customer Service Calling Center ( CSCC ) were not successful. In XX/XX/XXXX my house sustained severe damage by partial collapse of two foundation walls. At the time of the collapse my HIP was provided by XXXX. Repair Cost Estimate ( RCE ) about {$44000.00}. The RCE was made few days after the collapse at the time when majority of debris was still not removed yet. XXXX refused to cover my claim. For over a one year XXXX was communicating back and forth with my attorney denying to pay for the damage - law suit was filed in XXXX with Jury Trial ( JT ) demanded. JT was scheduled in XX/XX/XXXX. New up to date RCE was made in XX/XX/XXXX it came to be {$49000.00} without counting in cost of work done in XX/XX/XXXX-XX/XX/XXXX. My attorney without my permission settled the initial {$43000.00} claim for {$39000.00}. The attorney took {$14000.00} for his legal fees which left only {$24000.00} to apply towards {$49000.00} needed to finish the repair. I refused to accept {$39000.00} settlement ( STTL ) or any portion thereof because {$24000.00} was not enough to be used even for 50 % down payment to start the repair. Because the STTL proposal was done without my knowledge or approval as per 30 .A.L.R.2d 944, 945. and 7AmJur2d, 156, the attorney lacked authority to waive my right to JT or to settle for less than full amount .. O.C.G.A. 15-19-6 State Bar DR 7-102 ( A ) ( 9 ).
Throughout years XX/XX/XXXX-XX/XX/XXXX OCW continued charging me excessive amounts for Escrow Reimbursement ( ER ) as well as other fees ( OF ). Because none of my calls to OCWs Customer Service Calling Centers ( CSCC ) yield resolution or explanation of ER charges or correction of OCWs errors. Ive decided to initiate communication with OCW Account Specialists ( OAS ) instead of wasting time calling CSCC. Throughout XX/XX/XXXX-XX/XX/XXXX Ive used OCW website to schedule phone calls with OAS XXXX XXXX ( XXXX ) and later with XXXX XXXX ( XXXX ) unfortunatelly neither of them was able to explain ER charges or tell me what has happened to funds OCW overcharged ( OVRCH ) me for FIP or ER. Initially I was told that OVRCH funds were applied to my Principle Balance ( PB ). Later after OCW provided me with my Account History Printout ( AHP ) I found that none of OVRCH funds ( about {$2800.00} ) were applied to my ACCT. In XX/XX/XXXX-XXXX XXXX I was told by XXXX that OCW issued and mailed me Refund Checks ( RC ). No RC came in XXXX. One RC arrived in XX/XX/XXXX. Because OCW blocked my online user password in XXXX I could not submit my RMP online, because of that Ive started to mail my RMP to OCW by USPS Registered or Certified Mail with Delivery Confirmation Receipt ( DCR ) requested. All of my RMP were accompanied with letter demanding OCW to provide me with correct billing as well as return of OVRCH unaccounted funds. OCW failed to apply my RMP to my ACCT since XX/XX/XXXX-XXXX XXXX forward. In XX/XX/XXXX Ive mailed a Certified DCR letter addressed directly to Mr. XXXX CEO of OCW demanding response with explanation of OCW refusal to apply my RMP. Ive also requested to be provided within 30 days correction of OCW accounting errors in accordance with Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692.
OCW did not respond to my letter to this date XX/XX/XXXX. OCW instead scheduled Forclosure Sale ( FS ) of my residence for XX/XX/XXXX. OCW failed to provide me a 30 notice of FS as per O.C.G.A. 44-14-162.2 ( a ). The FS was brought to my attention by text Ive received from unknown individual on XX/XX/XXXX informing me that my house was listed for sale in XXXX XXXX XXXX which is XXXX County Newspaper. On XX/XX/XXXX Ive filed a law suit against OCW for Breach Of Contract ( BOC ) and wrongfull FS in US XXXX District Court of Georgia as a case XXXX. It is a matter of record that OCW in pursuance of FS violated number of Georgia as well as Federal Laws. OCW employees specifically committed felony/ies as per O.C.G.A. 16-10-20.1 by submitting Security Deed ( SD ) containing false information for recordation with Clerk of XXXX County Property Records ( CCCPR ) used later by OCW for initiation and execution of illegal FS.
My loan servicer is OCWEN ( OCW ). In XXXX OCW after became servicing my account ( ACCT ) OCW created a negative Escrow Balance ( EB ) without any justifiable reason. My Homeowner Insurance Policy ( HIP ) as well as my Property Taxes ( PT ) were paid by me as per my initial Loan Agreement ( LA ). From XXXX until about XXXX or XXXX I've maintained continuous HIP coverage provided by XXXX XXXX ( XXXX ). For no justifiable OCW regularly more than once charged me for " Forced Insurance Policy '' ( FIP ) at much higher rate. Because of OCWs FIP my Regular Monthly Payments ( RMP ) were routinely and illegally increased by OCW. My attempts to remove unnecessary FIP by calling OCW Customer Service Calling Center ( CSCC ) were not successful. In XX/XX/XXXX my house sustained severe damage by partial collapse of two foundation walls. At the time of the collapse my HIP was provided by XXXX. Repair Cost Estimate ( RCE ) about {$44000.00}. The RCE was made few days after the collapse at the time when majority of debris was still not removed yet. XXXX refused to cover my claim. For over a one year XXXX was communicating back and forth with my attorney denying to pay for the damage - law suit was filed in XXXX with Jury Trial ( JT ) demanded. JT was scheduled in XX/XX/XXXX. New up to date RCE was made in XX/XX/XXXX it came to be {$49000.00} without counting in cost of work done in XX/XX/XXXX-XX/XX/XXXX. My attorney without my permission settled the initial {$43000.00} claim for {$39000.00}. The attorney took {$14000.00} for his legal fees which left only {$24000.00} to apply towards {$49000.00} needed to finish the repair. I refused to accept {$39000.00} settlement ( STTL ) or any portion thereof because {$24000.00} was not enough to be used even for 50 % down payment to start the repair. Because the STTL proposal was done without my knowledge or approval as per 30 .A.L.R.2d 944, 945. and 7AmJur2d, 156, the attorney lacked authority to waive my right to JT or to settle for less than full amount .. O.C.G.A. 15-19-6 State Bar DR 7-102 ( A ) ( 9 ).
Throughout years XX/XX/XXXX-XX/XX/XXXX OCW continued charging me excessive amounts for Escrow Reimbursement ( ER ) as well as other fees ( OF ). Because none of my calls to OCWs Customer Service Calling Centers ( CSCC ) yield resolution or explanation of ER charges or correction of OCWs errors. Ive decided to initiate communication with OCW Account Specialists ( OAS ) instead of wasting time calling CSCC. Throughout XX/XX/XXXX-XX/XX/XXXX Ive used OCW website to schedule phone calls with OAS XXXX XXXX ( XXXX ) and later with XXXX XXXX ( XXXX ) unfortunatelly neither of them was able to explain ER charges or tell me what has happened to funds OCW overcharged ( OVRCH ) me for FIP or ER. Initially I was told that OVRCH funds were applied to my Principle Balance ( PB ). Later after OCW provided me with my Account History Printout ( AHP ) I found that none of OVRCH funds ( about {$2800.00} ) were applied to my ACCT. In XX/XX/XXXX-XX/XX/XXXX I was told by XXXX that OCW issued and mailed me Refund Checks ( RC ). No RC came in XXXX. One RC arrived in XX/XX/XXXX. Because OCW blocked my online user password in XXXX I could not submit my RMP online, because of that Ive started to mail my RMP to OCW by USPS Registered or Certified Mail with Delivery Confirmation Receipt ( DCR ) requested. All of my RMP were accompanied with letter demanding OCW to provide me with correct billing as well as return of OVRCH unaccounted funds. OCW failed to apply my RMP to my ACCT since XX/XX/XXXX-XX/XX/XXXX forward. In XX/XX/XXXX Ive mailed a Certified DCR letter addressed directly to Mr. XXXX CEO of OCW demanding response with explanation of OCW refusal to apply my RMP. Ive also requested to be provided within 30 days correction of OCW accounting errors in accordance with Fair Debt Collections Practices Act ( FDCPA ) 15 USC 1692.
OCW did not respond to my letter to this date XX/XX/XXXX. OCW instead scheduled Forclosure Sale ( FS ) of my residence for XX/XX/XXXX. OCW failed to provide me a 30 notice of FS as per O.C.G.A. 44-14-162.2 ( a ). The FS was brought to my attention by text Ive received from unknown individual on XX/XX/XXXX informing me that my house was listed for sale in XXXX XXXX XXXX which is XXXX County Newspaper. On XX/XX/XXXX Ive filed a law suit against OCW for Breach Of Contract ( BOC ) and wrongfull FS in US XXXX XXXX XXXX of Georgia as a case XXXX. It is a matter of record that OCW in pursuance of FS violated number of Georgia as well as Federal Laws. OCW employees specifically committed felony/ies as per O.C.G.A. 16-10-20.1 by submitting Security Deed ( SD ) containing false information for recordation with Clerk of XXXX County Property Records ( CCCPR ) used later by OCW for initiation and execution of illegal FS.
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| 04/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX via the website portal on PHH Mortgages website an email was sent by XXXX XXXX requesting the amount needed to bring the loan account current for the property of XXXX XXXX XXXX XXXX XXXX NH. An email response from PHH Mortgage was received by XXXX on XX/XX/XXXX indicating that {$3900.00} was the necessary amount to bring the loan current. XXXX wrote a check in the amount of {$3900.00} and mailed it on XX/XX/XXXX to PHH Mortgage.
On XX/XX/XXXX XXXX XXXX received a voicemail message on her cell phone stating that the property of XXXX XXXX XXXX XXXX. was foreclosed upon and that the new owner of this property was preparing to sell it. On XX/XX/XXXX XXXX contacted PHH Mortgage to figure out the details of this foreclosure since this was the first time that XXXX was learning about it. At that time PHH Mortgage told XXXX that there was nothing that could be done since the house had been foreclosed and sold on XX/XX/XXXX and that the only people that could help was the law office of XXXX XXXX XXXX. XXXX contact XXXX XXXX at XXXX XXXX XXXX. XXXX told XXXX that there were 3 green cards that were delivered to the address however XXXX stated the cards were returned to the law office because the cards were not removed from the mailbox. There was no point in time during this time period when the mail was not being picked regularly up by the residents ( XXXX XXXX and XXXX XXXX ) of XXXX XXXX XXXX XXXX. XXXX stated that since the foreclosure sale of the house was complete there was nothing that the law office could do and the only people that could rescind the foreclosure was PHH Mortgage. Mr. XXXX recommended that I contact PHH Mortgage and attempt to work with them.
XXXX called PHH Mortgage back and told PHH Mortgage the law office of XXXX XXXX XXXX said for XXXX to work with PHH Mortgage to rescind the foreclosure sale of the house. PHH Mortgage told XXXX that there was nothing that PHH Mortgage could do and the law office of XXXX XXXX XXXX were the only ones that could rescind the sale. XXXX told PHH Mortgage that XXXX XXXX XXXX said that PHH Mortgage were the only ones that could rescind the sale.
At this point PHH Mortgage assigned a Relations Manager by the name of XXXX XXXX to the case. XXXX XXXX was assigned as the Relations Manager on XX/XX/XXXX. XXXX was told that XXXX XXXX would be calling back within one to two business days. By Tuesday XX/XX/XXXX there was no communication between XXXX and PHH Mortgage. XXXX contacted PHH Mortgage in an attempt to speak to XXXX XXXX and get clarification about the process of rescinding the sale. XXXX was not able to speak to XXXX XXXX, and XXXX XXXX never made an attempt to call XXXX or XXXX XXXX. Once again, XXXX was told to talk to someone at the law office of XXXX XXXX XXXX as the law office is the only one that is able to rescind the sale ( according to PHH Mortgage ).
XXXX called PHH Mortgage again on XX/XX/XXXX since there had been no contact received from PHH Mortgage. At this point XXXX spoke to a customer service representative at PHH Mortgage by the name of XXXX. XXXX told XXXX that again there was nothing that could be done about the foreclosure and that XXXX needed to contact the local Sheriffs department. XXXX immediately called the Sheriffs department in XXXX County and was told that there was no record of a foreclosure sale on the property of XXXX XXXX XXXX XXXX. XXXX NH. Additionally XXXX was told that XXXX would have been served paperwork by the Sheriff 's office if there was in fact a foreclosure sale occurring on the residence. XXXX immediately called back PHH Mortgage and spoke to XXXX again. XXXX reported what the Sheriffs office told her. XXXX stated that the Sheriffs office must not have received the paperwork at that point. XXXX called back the Sheriff 's office and was told that there would need to be paperwork on file in order for there to be a foreclosure sale of the house.
On XX/XX/XXXX XXXX called again to PHH Mortgage to see if XXXX could speak to XXXX XXXX, at this point there had been no contact made between XXXX and XXXX. XXXX spoke to another customer service representative named XXXX. XXXX told XXXX that XXXX was not able to schedule a time for XXXX to call XXXX and that XXXX should call daily regarding the status of the check that was written on XX/XX/XXXX to bring the loan with PHH mortgage current.
At this point daily phone calls were made to PHH Mortgage by either XXXX or XXXX to determine the status of the process of rescinding the foreclosure sale. At no point in time during this whole endeavour has PHH Mortgage made an effort to contact XXXX and/or XXXX.
On XX/XX/XXXX after speaking to PHH Mortgage and being referred again to the law office of XXXX XXXX XXXX, XXXX spoke to XXXX at the law office. XXXX was looking for information about rescinding the foreclosure sale of the residence and how to bring the loan current. At this point XXXX sent a note to PHH Mortgage requesting for PHH Mortgage to call either XXXX or XXXX regarding this matter. Contact was never made.
Based on XXXX suggestion and follow up to the conversation XXXX had with XXXX it was suggested for XXXX to follow up in an email to PHH Mortgage. The email was requesting a call back from XXXX XXXX who was assigned as the new designated contact.
On XX/XX/XXXX a return email from PHH Mortgage was received by XXXX seeking proof of funds such as a bank statement. XXXX immediately emailed back with bank statements and indicated that if PHH Mortgage needed more information for PHH Mortgage to either contact XXXX and/or XXXX and they would supply proper documentation.
On XX/XX/XXXX XXXX sent a follow up email since there was no communication back from PHH Mortgage to see what else PHH Mortgage needed. On XX/XX/XXXX an email was received by XXXX from PHH Mortgage stating that PHH Mortgage would follow up in a week.
On XX/XX/XXXX a voicemail message was received on XXXX cell phone from XXXX. XXXX provided XXXX with a call back number and an extension. When XXXX called back, shortly after the message was received, there was no place for XXXX to enter an extension and the customer service representative was not able to transfer the call.
Additionally on XX/XX/XXXX a letter dated XX/XX/XXXX was received by XXXX and XXXX. The letter was from XXXX XXXX. The letter was returning the check that was written on XX/XX/XXXX saying that the amount was not sufficient enough to bring the account current and that XXXX and/or XXXX could contact XXXX at her direct number and XXXX would be able to assist determining the amount necessary to bring the loan current. Again, when XXXX called the number provided XXXX was not able to enter the extension and was told that XXXX was no longer the Relations Manager for this account and that XXXX was. XXXX also contacted the law office of XXXX XXXX XXXX and spoke to XXXX. XXXX told XXXX that since the sale of the house went through only PHH Mortgage could rescind the sale and that there was nothing the law office could do.
On XX/XX/XXXX XXXX again called PHH Mortgage to see what the status of the process is at. XXXX spoke to a customer service representative named XXXX. XXXX indicated that there was nothing PHH Mortgage could do and that XXXX needed to speak to someone at the law office of XXXX XXXX XXXX. XXXX stated that she has been going back and forth between PHH Mortgage and XXXX XXXX XXXX and that XXXX is looking to get clarification on what needs to be done to rescind the foreclosure sale and how much it will cost and what form the payment needs to be in. When XXXX asked to speak to XXXX XXXX was told that XXXX is not able to receive incoming calls and that XXXX can only make outgoing calls and because of the status of the account XXXX could not be scheduled to call either XXXX or XXXX even though XXXX is the designated Relations Manager for this account. At this point XXXX stated that she would be putting in a ticket to determine the amount necessary to bring the account current.
On XX/XX/XXXX XXXX sent a follow up email to XXXX and XXXX following up with the letter that was sent from PHH Mortgage dated XX/XX/XXXX. XXXX was looking for information about rescinding the foreclosure sale and the amount necessary to bring the account current and the form of payment necessary to do so. XXXX never received a response back.
Also on XX/XX/XXXX XXXX called PHH Mortgage again and spoke to XXXX ( employee number XXXX ) to be put in contact with XXXX, whom at this point neither XXXX or XXXX have ever spoken to, and to determine the status of the ticket that XXXX put in on XX/XX/XXXX. XXXX was told that the ticket requesting the amount to bring the account current was denied and that XXXX needed to contact the State of NH to see about redeeming the property and that XXXX would need to be prepared to pay the principal balance of the mortgage in the amount of {$41000.00}. XXXX then contacted the New Hampshire Banking Commission by both email and phone.
After a month of repeated follow ups to PHH Mortgage to rectify the situation all XXXX and XXXX have received is misleading information and the run around ( i.e numerous phone calls between PHH Mortgage and the law office of XXXX XXXX XXXX ). This is what has led XXXX and XXXX to file this complaint As of XX/XX/2020 XXXX and XXXX have hired a lawyer, XXXX XXXX, but we are still getting the runaround.
To be clear, PHH is not the majority lender on this property. They are only 20 %. XXXX XXXX is the primary lender ( 80 % ). The account with XXXX XXXX is current and XXXX XXXX does not know anything about a foreclosure.
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| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Re : Ocwen loan # XXXX First and foremost : I want CFPB to know that we are in a trial loan modification with Ocwen the official ending date for this trial loan modification is XXXX XXXX, XXXX.
TodayXXXX XXXX, XXXX, while still in the trial loan modification we have been informed by that we are XXXX days away from the 90 day foreclosure process to start.
The agent informed me today that If I wanted to avoid foreclosure I should just sign the terms for the permanent loan agreement a loan agreement which has new terms of a 40 year mortgage where we would end up paying almost {$170000.00} more.
We currently have XXXX years left on our mortgage.
And again today we were also informed by an Ocwen Agent that we are XXXX days away from the 90 day foreclosure start.
We also received a Loan Reinstatement Quote from Ocwen which state that we have to pay over {$4200.00} by XXXX XXXX.
History : We entered a trial loan modification program unbeknown to us the foreclosure clock kept ticking. I ( XXXX ) only found out because I started to ask question when it was noticed that while in the trial loan modification Ocwen kept sending billing statements stating that we were delinquent and kept reporting us to the credit bureau with no mentioning of us being in a trial loan modification program.
Once we found out that with the Ocwen permanent loan modification program we would have to agree to a new 40 year mortgage we informed Ocwen that we no longer wanted to continue to participate in the loan modification effective XXXX XXXX, XXXX.
-We also requested from Ocwen for all payments that we sent to be applied to our past due mortgage and getting us out of risk of foreclosure.
Our decision was based on the fact that participating in the loan modification would require us to sign paperwork renewing the mortgage for a 40 year term and end end up paying over {$170000.00} more.
Thus again we sent a letter to Ocwen informing them that based on this we request removal from the program and we have not signed the paperwork required to enter the permanent loan modification program.
We also have reason to believe we do not owe this whole debt because the amount is incorrect and the funds we have paid have been misapplied.
-We were part of an Ocwen trial loan modification program and we have been paying the amount required by Ocwen every month on time.Our normal mortgage is {$1000.00} a month. It is unfortunate and misleading for us to have paid Ocwen on time monthly {$920.00} as part of an Ocwen trial loan modifications program. Presented by Ocwen as a program ( designed to help the homeowners with financial difficulty and avoid foreclosure ) just to at the end of the trial loan modification to end up worse then when we entered the program.
Other events questionable practices by Ocwen but not limited to : - In XXXX my spouse XXXX XXXX even made 2 loan modifications payment of {$920.00}. He made the extra payment because Ocwen informed us that they did not receive the 1st check send which he mailed 1 week before the due date of XXXX XXXX. To ensure our compliance in the trial loan modification program my husband rushed out and paid another {$920.00} through XXXX XXXX. We asked the Ocwen representative to not cash the other payment ( check ) when received because it would put us in a financial bind. She informed us that Ocwen was going to cash it anyways and if we put a stop payment on it we would charged a fee by Ocwen.
-Ocwen cashed the extra payment ( the check ) which they claimed they received a couple days later.
Instead of applying this extra payment to our mortgage past due and thus reducing the number of days towards foreclosure, Ocwen applied it to the next month trial loan modification program and ended up calling it a forbearance payment. Prior, it was referred to as a loan modification payment but Ocwen for some reason now was referring to it as a forbearance payment.
- Today according to Ocwen we after months of having participated in the trial loan Modification program we now own {$4200.00}! ** -And now today we found that we are according to new Ocwen verbal statement at day XXXX at the 90 day start of foreclosure.
- It also appears that Ocwen also start separately billing us for XXXX. It appears by the confusing statements sent that our payments were not applied to this and the regular monthly Mortgage owed..
-And again Ocwen switched from calling it a Trial Loan Modification plan payment to referring to it as a forbearance payment. But under correspondence that Ocwen sent us they have forbearance and loan modification listed as 2 different programs.
- Which program are we in and how is it allowed for Ocwen just to switch us to a different program, then the one we signed up for?
( We signed for a trial loan modification ) Additional information : -Also on my last phone-call when I called to dispute the debt an Ocwen representative informed me that although Ocwen would record our phone conversation with or without my permission, I was forbidden from taping this same conversation.
-We dispute the amount owed and us being only XXXX days away from foreclosure while still in a trial loan modification. This is the start of our formal complaint against Ocwen for providing false and misleading information to us the consumers about the loan Modification program and the status of foreclosure proceedings.
-Furthermore that this program was misused by Ocwen to get us further into debt and closer to foreclosure.
Because the whole time while in the trial loan modification the foreclosure clock was still ticking.And Ocwen took extra payments we made and instead of applying it to past due delinquent amount applied it to future payments not even due yet.
-Why does Ocwen does not inform the consumer that while in loan modification the countdown clock towards foreclosure continues to tick?
Why does Ocwen not tell consumers that they may require the consumer to sign a 40 year unconventional loan at the end of a successful trial loan modification?
-Why does Ocwen as part of a trial loan modification or forbearance program does not provide a repayment plan or any arrangement that will address repayment of the delinquent fees.
Instead Ocwen left the deliquent fees sitting and took it a step further started on the the amount by adding on fees, late charges, home inspections, and it appears insurance and tax payments. etc.
-What was the benefit of going into an Ocwen loan modification program if at the end of the program ( the program ends XXXX XXXX ) we will be at risk of foreclosure.
Ocwen knows knows that we do n't have {$4200.00} to pay and is now telling us if you do n't want the house to foreclosed sign for our new 40 year mortgage agreement presented to you and this will stop the foreclosure process from starting.
-Again, we would not have signed up for a trial loan modification if we had been informed that in order to be granted a permanent loan modification Ocwen would require us to sign a XXXX months mortgage loan. Which would add an additional 20 years of payments to the house and in the end, end up having to pay over {$170000.00} more!
-We would like to bring to light to the public and governing agencies that Ocwen after the trial loan Modification has presented to us homeowners, with a new mortgage paperwork for XXXX months this is a XXXX year mortgage!!
For a house we only have 20 years left to pay.
-This after participation in the trial loan modification program again a program normally designed to help the homeowner.
Ocwen loan modification terms actually leaves homeowners worse off. And I see how there are so many horror stories against Ocwen and them using the loan modification to instead of helping struggling homeowners, use this program to foreclose on peoples houses.
-We do not agree with the amount owed -We do not want to participate in the Ocwen permanent loan modification program with their shark loan terms and therefore have not nor will sign the permanent loan modification paperwork sent home.
-Based on the conditions of the permanent loan modification we request to be removed from the program and all our payments to be applied to getting us out of risk of foreclosure and payment to be applied to the delinquent amount/ mortgage payment ( s ) past due.
We informed Ocwen that we had not nor would sign the permanent loan Modification paperwork sent to us by Ocwen which again would leave us with a XXXX year mortgage and owing approximately {$170000.00} more!!
thus if Ocwen does put us in this program, its against our will and without our permission nor our signatures required by Ocwen to participate in this program.
-In closing Ocwen has sent us confusing and misleading information, sending us paperwork for a trial loan Modification but then referring to our agreement as forbearance agreement and payments.
Were we in a trial loan modification program or a forbearance program?
Because we signed paperwork to be enrolled in a trial loan modification program.
-And again the end result of us participating with Ocwen trial loan modification program and misleading terms, have left us according to Ocwen rep XXXX days away from foreclosure while still in the trial loan modification.
-We seek assistance from governing agencies and anyone who has monitored the Ocwen malpractices and legal professional ( s ) who can help us with this.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX
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| 10/26/2017 |
Yes |
- Mortgage
- Other type of mortgage
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Never thought Id lose my home and all our money/savingsXXXX form last 19 years all spent that put into a home would be lost having to start over at XXXX XXXX XXXX from ( 0 ), How investment bank+ mortgage servicer company can get away with these overpriced mortgage modifications un underwater homes is beyond me, This just encourages home owners to foreclose or had the keys back to the bank .. We gave up hope to save and buy a new home for me and my family that has a realistic ( LTV ) ( Loan to Value ) .. My story should be in the news ..
So here is what happened in detail, Over the past years we called Ocwen to ask how much we owed on the house, they always gave us only the principle amount and never told us about the balloon amount we thought we only owed XXXX, so XXXX we need to get some home repairs done and tried to get an equity loan to make major repairs, The bank told us you have no equity, in fact your property XXXX ( Loan to Value ) is way underwater by XXXX or more, You still owe {$370000.00} so I called Ocwen they told me you have a balloon payment ( XXXX ) on top of the XXXX principle amount, Said how can that be since I was to get XXXX in principle reduction with my loan modification?, Ocwen said I missed a payment and you did not get it, I said I was in bankruptcy and was not working you guys knew this ..Sorry XXXX XXXX you did not qualify .. So I get to pay off an overprice house with no money or equity for major repairs, Sorry was their reply, you can apply for new loan modification so we can help you, So I did as there was no choice, then when new loan modification came it was higher monthly payment so how did that help me?
With that we placed the home on the market,, nothing happened over 5mths so we lowered to what we owed on the loan plus reality commissions, everyone said we were way overpriced, an offer came in almost for XXXX under what we required without reality commissions, I called the bank they said could not accept.
At that point, I called Ocwen, because Since we have spent our money paying off equity loans and bills on the house using our XXXX, we had no funds to make repairs .. So went into payment plan with XXXX XXXX XXXX had just purchased a new central Heat/AC system as without that we could not live there for XXXX, and now the roof was collapsing and called roofing company they said it needed a complete replacement since it at max layers of shingles, and some trees needed to be cut down as they were protruding into the house and roof causing more damage.., So at this point me and my wife had it,, called Ocwen asked for deed in Lieu, The guy on the phone told me, Sure XXXX XXXX I understand you can Get XXXX for a deed in Lieu,, I said ok lets do it, Ast least that will help pay for moving and the new Heat/AC system I just had put in the house.
Ocwen sent me the paper work and form I filled + deed sign over them out sent them back they gave us date to move out. few weeks before the deed in Lieu was to happen Id asked when will they send me the check for XXXX, Oh sorry XXXX XXXX our rep must have read you a program that ended last year, you can get up to max of XXXX.
I said that does not help me at all nor would it fully cover the new Heat/AC system Im paying off on the property. or help at all with moving expenses ..
Frustrated as I was I said, how can Ocwen pay the XXXX for Heat/AC system, Rep said you can still do a loan modification if you like XXXX I said NO youre only going to charge me more and will not help and you also told me you can still foreclose or demand loan payment in full .. No lets just get the deed in Lieu done, Im done with dealing with you and your company Ocwen..
After that we just sold everything we owned, and the for rest of our belongings we called packrat and got a rental out of NJ, we moved to AZ ..
Now months later after we have done the deed in Lieu done, Im still paying off that Heating/AC system have another {$5900.00} left to pay on that, and now Im getting water and sewer bills from the township asking me to pay bills on a home I no longer own and its the mortgage service company thats using that water and heat and AC system,, is that fair?
So now that I gave the home back to the bank have issue with the bank, We signed the title over in XXXX, Now we are getting utility bills for water and sewer. So I called the township the advised me that back has not filed ownership with county clerks office and Im still responsible for taxes and property maintenance or fines as well. We did the deed in Lieu with the bank in XXXX and gave up the ownership and keys as of XX/XX/XXXX, Even called the XXXX XXXX tax assessor and he advised the bank failed to apply ownership for the property, When I called the mortgage service company OCWEN they said give us two weeks, we had some issues with deed for power of attorney, That was back inXX/XX/XXXX, now itXX/XX/XXXX.. Still house in in our names, So this leaves me and my wife responsible for a home we are no longer own after almost 4.5 mths now still in our names. the water bill even shows someone is using the water on the property and I get the bill I called yesterday day they said we should have it fixed in three more weeks having issues with title and internal departments on property, I just hung up the phone I refuse to pay any more on this property .. Also the investment bank and Ocwen say the house is worth XXXX, so the government allows then to make up prices so I can get hit with the deficiency by IRS , and they get to write it off as a loss, Already on a IRS payment plan from owing money to pay equity loans out of my 401K on the house and missed mortgage payment Ill never see a tax return ever again ..
ORIGINALLY PURCHASED THIS HOME FOR {$420000.00} BACK IN XXXX, AFTER XXXXAMP MOD IN XXXX NEW PRINCIPLE BALANCE REMAINDER WAS XXXX + BALLOON PAYMENT DUE IN OR ON YEAR XXXX Bank /investment firm that was bailed out in XXXX had refused to grant or reduce any of the principle loan balance nor help in reduction to current fair market value for previous home owner under HARP program paid for by taxpayers homeowner forced to give up overpriced debt. HARP program funds for homeowners principle reduction vanished at same time Bank/investment firm received bonuses. THIS HOME INCLUDES NEW ADDITIONS- ( IN GROUND POOL INSTALLED FROM SEASONAL WORLD FOR {$30000.00} PLUS KITCHEN UPGRADE {$15000.00} PLUS NEW CENTRAL HEAT/AIR CONDITIONING SYSTEM {$10000.00} + ADDITIONAL UPGRADES= {$63000.00} ) Our Total underwater investment = XXXX WE lost over XXXX since XXXX with purchase+new additions and all equity loans paid in full, Remaining balance on note/mortgage was {$370000.00} with balloon payment due in XXXX, " the property is FORECLOSED and now XXXX HOUSE NOT FOR SALE, -Note : Ocwen has taken over property XXXX We still paying off the bill for new central heat air conditioning system as there was no equity in home and unable to transfer any home system or XXXX & XXXX warranty until the reaming balance of {$4900.00} is paid on the new central system or until its paid in full for full amount of XXXX -- -- - Bank /investment firm that was bailed out in XXXX had refused to grant or reduce any of the principle loan balance nor help in reduction to current fair market value for previous home owner under HARP program paid for by taxpayers homeowner forced to give up overpriced debt. HARP program funds for homeowners principle reduction vanished at same time Bank/investment firm received bonuses.
Theres no laws governing what a Home LTV must be in range with for loan modifications, Basically mortgage servicing company is allowed to give modifications leaving home owners deep underwater on property values, Leaving homeowner with no equity in case of major home repairs or room to sell the home until principle balance is paid off or when market has picked up in 10 year period if the house is still standing because no equity was available for repairs. No law states Ocwen must lower principle balance to meet acceptable current market rates and off set in equity value.
Also Ocwen is allowed to evaluate the property for higher than market price than its worth so they can write off that deficiency to report loss to IRS, while pervious homeowner gets hit with a gain being reported on a home worth less than what it would even sell for XXXX And also allow the pervious homeowner to get stuck with XXXX bill for AC/Heating central airs system in a house they no longer own, or for water and sewer + Utility bills they cant turn off because the deed or title is not registered with the town ship ..so pervious homeowner still paying bills on home they no longer own.
In addition Ocwen can apprise this property for XXXX when it might be only worth XXXX give current conditions and repairs need boggles me, another Lic appriser should be called out on this with major electrical and plumbing leaks, garage door system needed, new yard fence needed, along with {$35000.00} dollars in landscaping maintenance with trees growing into home and dead tree removal, includes leaky roof falling through needs complete replacement, costly dangerous mold issues and all aluminum wiring through the home major fire hazard, termite/rodent damage. home requires aluminum wiring insurance for fire hazards, in total home requires at least $ XXXX in repairs, how is that home worth XXXX K, and why am I still paying bills on that house?
Best Regards, XXXX XXXX XXXX : XXXX Email : XXXXXXXXXXXX
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| 06/26/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By letter response dated XX/XX/XXXX and enclosed hereto as Exhibit A, XXXX XXXX ( XXXX ) c/o PHH Mortgage Services ( PHH ) provided the following false and deceptive statements along with forged falsely uttered evidence enclosed thereto : ( 1 ) As displayed on page five of five of the communication and throughout, XXXX and PHH continue to identify the Customer ( s ) for the above referenced account number as the " Estate of XXXX XXXX XXXX '' ( See Exhibit A ), when no such estate or person exist and the Estate of XXXX XXXX XXXX has no interest in the subject property or subject account number. ; ( 2 ) As displayed on page one of five of the XX/XX/XXXX communication, XXXX and PHH declared they were not involved in the origination of the account and therefore would not be able to comment on concerns regarding the origination. ( See Exhibit A ), which is proof that everything declared under penalty of perjury in the foreclosure action under Docket No. XXXX pertaining to the original transaction is unsubstantiated - unauthenticated hearsay because neither XXXX or PHH have knowledge as to whether or not the original transaction is fraud in factum, the product of illegalities by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and subject to set-off and recoupment.
( 3 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated there is no single owner of the account, but rather the account is one of many in a securitized investment trust, XXXX XXXX XXXX-NC1 Mortgage Pass-Through Certificates, Series XXXX-NC1. ( See Exhibit A ), a statement that XXXX and PHH omitted in the pleadings filed in the above docket number, you omitted the names and identities of the multiple owners ( alleged ) for the subject account number in their XX/XX/XXXX communication and have yet to provide a notice of new creditor as required by federal law ( See 15 U.S.C. section 1641 ( g ) ). ; ( 4 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and / or PHH declared they are servicing the account for XXXX XXXXt XX/XX/XXXX-NC1 Mortgage Pass-Through Certificates, Series XXXXNC1 ( XXXX XXXX XX/XX/XXXX-NC1 ) ( See Exhibit A ), without presenting a power of attorney as required by XXXX XXXX in the foreclosure action under Docket No. XXXX or within XXXX and PHHs XX/XX/XXXX correspondence ( See Exhibit A ) to prove their claims of agency. ; ( 5 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated that XXXX XXXX XXXX XXXX ( XXXX XXXX ) is the trustee for XXXX XXXX XXXX-NC1 and the alleged trustee does not own the subject account ( See Exhibit A ), which is a claim omitted from XXXX and PHHs pleadings in the foreclosure action under Docket No. XXXX ( See Exhibit L ), contradicts their statements set forth within the instrument titled CORPORATE ASSIGNMENT OF MORTGAGE that they enclosed within their XX/XX/XXXX communication wherein XXXX XXXX as Trustee for XXXX XXXXt XXXX-NC1 is designated owner of the subject mortgage loan as of XX/XX/XXXX for an alleged good and valuable consideration that XXXX XXXX as Trustee for XXXX XXXX XXXX-NC1 paid to XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXXNC1 ( See Exhibit B ), and the alleged assignment is five years after Ocwen Loan Servicing ( Ocwen ) commenced its foreclosure action against me in Docket No. XXXX by complaint filed on XX/XX/XXXX for the subject mortgage loan ( See Exhibit L ) ; ( 6 ) The XX/XX/XXXX communication from XXXX and PHH fails to include evidence demonstrating when and how ownership and possession of the subject mortgage loan was transferred from XXXX XXXX XXXX as the originator before XXXX XXXX XXXX became a chapter XXXX bankruptcy debtor on XX/XX/XXXX ( to present date ) in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX ( XXXX ) ( See Exhibit C ). ; ( 7 ) XXXX and / or PHH claimed on page two of five of their XX/XX/XXXX communication that the loan originated with Mortgage Electronic Registration Systems ( MERS ) as the original beneficiary of the Mortgage solely as nominee for the original lender its successors and assigns without presenting a power of attorney as required by XXXX XXXX in either their pending foreclosure action in Doc. No. XXXX or their correspondence XX/XX/XXXX ( See Exhibit A ). ; ( 8 ) XXXX and PHH referenced on page two of five of their XX/XX/XXXX communication a MIN number that is associated with the above referenced account number without providing an authoritative copy of the transferable record as I previously requested and they are required to provide pursuant to 15 U.S.C. section 7021 ( f ). ; ( 9 ) XXXX and PHH claimed on page two of five of their XX/XX/XXXX communication that the subject account is past due for the XX/XX/XXXX payment and further claimed on page three of five of their XX/XX/XXXX communication that The Litton Payment History enclosed to their communication reflects all credits and disbursements made to the account by Litton and the resulting account status., all of which is false and they continue to omit and conceal : ( i ) the trial modification agreement offered by Litton Loan and executed by me on XX/XX/XXXX, requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were all timely paid and cashed by Litton Loan ( See Exhibit D ), and the latter failed to permanently modify the transaction or apply payments to the subject account ; ( ii ) a total of {$10000.00} in payments that were made to and cashed by Litton Loan for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit E ) ; and ( iii ) a total of {$5100.00} in payments that were tendered and presented to Litton Loan for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were returned by Litton Loan for several varying reasons, the middle of which instructed me to refer to my already deceased husband on the payment ( See Exhibit F ). ; ( 10 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that It was determined that the foreclosure proceedings were initiated on XX/XX/XXXX, at that time the account was past due for XX/XX/XXXX payment, followed by their claim on the same page that the account was referred to foreclosure on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX payments. ( See Exhibit A ), and those statements are false, deceptive and contradictory because : ( i ) Litton Loan did indeed commence a foreclosure action on XX/XX/XXXX under Docket No. : XXXX which is the same day my husband died, and the underlying complaint matured the subject account number and demanded the total amount due thereunder as of XX/XX/XXXX ( See Exhibit G ) ; ( ii ) XXXX and PHH are falsely implying in the pending foreclosure action under Docket No. XXXX ( See Exhibit L ) and within their XX/XX/XXXX communication ( See Exhibit A ) that payments were made and applied towards the subject account for the installments due XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX when they were not ; ( iii ) they are claiming the subject account was referred to foreclosure on XX/XX/XXXX, at which time, Ocwen was still prosecuting a foreclosure for the subject account under Docket No. XXXX declaring a default as of XX/XX/XXXX until the matter was voluntarily dismissed by Ocwen on XX/XX/XXXX ( See Exhibit H ). ; ( 11 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that XXXX XXXX XXXX ( XXXX XXXX ) is their foreclosure attorney for the foreclosure action under Docket No. XXXX wherein XXXX XXXX as Trustee for XXXX XXXX XXXX-NC1 is designated plaintiff ( See Exhibit L ) while, according to a recorded telephone conversation placed to XXXX XXXX Corporate Trust services on XX/XX/XXXX, XXXX XXXX employees indicated that : ( i ) they have no knowledge about or ownership of the subject loan, account number or address ; ( ii ) they have no knowledge about or involvement with the present and pending foreclosure under docket number XXXX ; and ( iii ) they have never retained XXXX XXXX to initiate and maintain the present and pending foreclosure under docket number XXXX. ; and ( 12 ) the note instrument that XXXX and PHH enclosed with their XX/XX/XXXX communication that is certified to be a true copy remains payable to XXXX XXXX XXXX and the last page ( five of five ) is followed by a Notice of Right to Cancel ( See Exhibit I ), and is not followed by the separate forged counterfeit piece of paper that they previously caused to be electronically filed with the NJ Superior Court in the pending foreclosure action under Docket No. XXXX ( under penalties pursuant to 18 U.S.C. section 1343 and other state and federal criminal statutes ) by XXXX XXXX, XXXX. ( XXXX XXXX ) of XXXX XXXX that is certified to be a true and correct copy of the original instrument and includes a separate piece of paper behind page five of five that bears a counterfeit and undated stamp misrepresented to be an indorsement by XXXX XXXX ( See Exhibit J ), the latter of whose varying and forged signatures and stamps are documented by the Florida Office of the Attorney General Economic Crimes Division report titled Unfair, Deceptive And Unconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ) ( See Exhibit K ).
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| 05/03/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Dear XXXX, Our records indicate the HAF Assistance program was denied as it is outside of state HAF guidelines. No more modification is allowed on the account.
This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact our Home Retention Department at ( XXXX ) XXXX to speak with the Relationship Manager, XXXX XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed.
XXXX XXXX PHH Home Retention Department is available during the following hours : Monday Friday : XXXX XXXX to XXXX XXXX ET For your protection, we have removed any personally identifiable information from your original inquiry.
Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, " XXXX XXXX '' XXXX, Customer Care XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Funding Denied???
Date : XX/XX/2023 XXXX XXXX EDT Dear Maryland Haf Program and PHH Mortgage Services, I am writing to request clarification on the denial of funds from the Maryland Haf Program for mortgage assistance through PHH Mortgage Services.
As a homeowner who has been affected by financial difficulties, I have been working with PHH Mortgage Services to receive assistance through the Maryland Haf Program. However, I was recently informed that the application for assistance has been denied by the program.
I am requesting clear communication from both the Maryland Haf Program and PHH Mortgage Services regarding the reasons for the denial and any steps that can be taken to resolve the issue. It is important for me to understand the specific reasons why the application was denied and what steps can be taken to address any issues and reapply for assistance.
I would appreciate timely and detailed responses from both the Maryland Haf Program and PHH Mortgage Services. Please let me know what additional information or documentation is needed to move forward with the application and any timelines or deadlines that need to be met.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Application Number XXXX for HAF Program Attachment of conversation from PHH -- -- -- -- -- Forwarded message -- -- -- -- - From : Customer Care XXXX Date : Tue, XX/XX/2023 at XXXX XXXX Subject : Important Account Information To : XXXX XXXX XXXX, XXXX This email was sent today. I have spoken at length with XXXX XXXX at PHH Mortgage in regards to the modification. I was told that HAF, which is a state program in Maryland, just needs to resubmit a form for the modification and send it to PHH Mortgage. Once, the form has been received by PHH, then PHH needs to send the documents over to Maryland HAF. Once those forms have been received at Maryland HAF, HAF will send the forms for me, XXXX XXXX to complete and then the forms revert back to HAF, to PHH to accept.
I appreciate everyone assisting in this process. Please provide updates.
Thank you, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : Customer Care XXXX Date : Tue, XX/XX/2023 at XXXX XXXX Subject : Important Account Information To : XXXX XXXX XXXX, XXXX This email was sent today. I have spoken at length with XXXX XXXX at PHH Mortgage in regards to the modification. I was told that HAF, which is a state program in Maryland, just needs to resubmit a form for the modification and send it to PHH Mortgage. Once, the form has been received by PHH, then PHH needs to send the documents over to Maryland HAF. Once those forms have been received at Maryland HAF, HAF will send the forms for me, XXXX XXXX to complete and then the forms revert back to HAF, to PHH to accept.
I appreciate everyone assisting in this process. Please provide updates.
Thank you, XXXX Dear XXXX, Our records indicate the HAF Assistance program was denied as it is outside of state HAF guidelines. No more modification is allowed on the account.
This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact our Home Retention Department at ( XXXX ) XXXX to speak with the Relationship Manager, XXXX XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed.
XXXX C/O PHH Home Retention Department is available during the following hours : Monday Friday : XXXX XXXX to XXXX XXXX ET For your protection, we have removed any personally identifiable information from your original inquiry.
This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regards to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally.
The information contained in this communication is confidential and only intended for the personal and confidential use of the individual or entity to which its addressed. If you are not the addressee ( or authorized agent ) indicated in this message, you have received this communication in error. Please destroy it immediately and notify the sender by reply email as any review, dissemination, copying or unauthorized use of this message is strictly prohibited.
Click here to Unsubscribe Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, " XXXX XXXX '' XXXX, Customer Care XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Funding Denied???
Date : XX/XX/2023 XXXX XXXX EDT Dear Maryland Haf Program and PHH Mortgage Services, I am writing to request clarification on the denial of funds from the Maryland Haf Program for mortgage assistance through PHH Mortgage Services.
As a homeowner who has been affected by financial difficulties, I have been working with PHH Mortgage Services to receive assistance through the Maryland Haf Program. However, I was recently informed that the application for assistance has been denied by the program.
I am requesting clear communication from both the Maryland Haf Program and PHH Mortgage Services regarding the reasons for the denial and any steps that can be taken to resolve the issue. It is important for me to understand the specific reasons why the application was denied and what steps can be taken to address any issues and reapply for assistance.
I would appreciate timely and detailed responses from both the Maryland Haf Program and PHH Mortgage Services. Please let me know what additional information or documentation is needed to move forward with the application and any timelines or deadlines that need to be met.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Application Number XXXX for HAF Program Attachment of conversation from PHH XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXX, XXXX XXXX XXXX XXXX XXXX, Customer , XXXX, haf.applications Dear Maryland Haf Program and PHH Mortgage Services , I am writing to request clarification on the denial of funds from the Maryland Haf Program for mortgage assistance through PHH Mortgage Services .
As a homeowner who has been affected by financial difficulties, I have been working with PHH Mortgage Services to receive assistance through the Maryland Haf Program. However, I was recently informed that the application for assistance has been denied by the program.
I am requesting clear communication from both the Maryland Haf Program and PHH Mortgage Services regarding the reasons for the denial and any steps that can be taken to resolve the issue. It is important for me to understand the specific reasons why the application was denied and what steps can be taken to address any issues and reapply for assistance.
I would appreciate timely and detailed responses from both the Maryland Haf Program and PHH Mortgage Services. Please let me know what additional information or documentation is needed to move forward with the application and any timelines or deadlines that need to be met.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Application Number XXXX for HAF Program Attachment of conversation from PHH 2 Attachments Scanned by XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( 2 days ago ) to me Error Icon Message blocked Your message to XXXX has been blocked. See technical details below for more information.
The response from the remote server was : XXXX XXXX Recipient address rejected : Access denied. XXXX ( XXXX ) [ XXXX XXXX XXXX ] -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, " XXXX XXXX '' XXXX, Customer Care XXXX, XXXX XXXX XXXX XXXX, XXXX Cc : Bcc : Date : Mon, XXXX XX/XX/2023 XXXX XXXX Subject : Funding Denied???
-- -- - Message truncated -- -- - Mortgage Assistance Application Hardship Information Trust Acct XX/XX/2023 XXXX Acct XX/XX/2023 Acct Holder Income Non Acct Holder Documents that were emailed per PHH
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| 06/26/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By letter response dated XX/XX/XXXX and enclosed hereto as Exhibit A, XXXX XXXX XXXX XXXX ) c/o PHH Mortgage Services ( PHH ) provided the following false and deceptive statements along with forged falsely uttered evidence enclosed thereto : ( 1 ) As displayed on page five of five of the communication and throughout, XXXX and PHH continue to identify the Customer ( s ) for the above referenced account number as the " Estate of XXXX XXXX XXXX '' ( See Exhibit A ), when no such estate or person exist and the Estate of XXXX XXXX XXXX has no interest in the subject property or subject account number. ; ( 2 ) As displayed on page one of five of the XX/XX/XXXX communication, XXXX and PHH declared they were not involved in the origination of the account and therefore would not be able to comment on concerns regarding the origination. ( See Exhibit A ), which is proof that everything declared under penalty of perjury in the foreclosure action under Docket No. XXXX pertaining to the original transaction is unsubstantiated - unauthenticated hearsay because neither XXXX or PHH have knowledge as to whether or not the original transaction is fraud in factum, the product of illegalities by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and subject to set-off and recoupment.
( 3 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated there is no single owner of the account, but rather the account is one of many in a securitized investment trust, XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX. ( See Exhibit A ), a statement that XXXX and PHH omitted in the pleadings filed in the above docket number, you omitted the names and identities of the multiple owners ( alleged ) for the subject account number in their XX/XX/XXXX communication and have yet to provide a notice of new creditor as required by federal law ( See 15 U.S.C. section 1641 ( g ) ). ; ( 4 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and / or PHH declared they are servicing the account for XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX ( XXXX XXXX XXXX ) ( See Exhibit A ), without presenting a power of attorney as required by N.J.S.A. XXXX in the foreclosure action under Docket No. XXXX or within XXXX and PHHs XX/XX/XXXX correspondence ( See Exhibit A ) to prove their claims of agency. ; ( 5 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated that XXXX XXXX XXXX XXXX ( XXXX XXXX ) is the trustee for XXXX XXXX XXXX and the alleged trustee does not own the subject account ( See Exhibit A ), which is a claim omitted from XXXX and PHHs pleadings in the foreclosure action under Docket No. XXXX ( See Exhibit L ), contradicts their statements set forth within the instrument titled CORPORATE ASSIGNMENT OF MORTGAGE that they enclosed within their XX/XX/XXXX communication wherein XXXX XXXX as Trustee for XXXX XXXX XXXX is designated owner of the subject mortgage loan as of XX/XX/XXXX for an alleged good and valuable consideration that XXXX XXXX as Trustee for XXXX XXXX XXXX paid to XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX ( See Exhibit B ), and the alleged assignment is five years after Ocwen Loan Servicing ( Ocwen ) commenced its foreclosure action against me in Docket No. XXXX by complaint filed on XX/XX/XXXX for the subject mortgage loan ( See Exhibit L ) ; ( 6 ) The XX/XX/XXXX communication from XXXX and PHH fails to include evidence demonstrating when and how ownership and possession of the subject mortgage loan was transferred from XXXX XXXX XXXX as the originator before XXXX XXXX XXXX became a chapter XXXX bankruptcy debtor on XX/XX/XXXX ( to present date ) in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXXXXXX ( XXXX ) ( See Exhibit C ). ; ( 7 ) XXXX and / or PHH claimed on page two of five of their XX/XX/2020communication that the loan originated with Mortgage Electronic Registration Systems ( MERS ) as the original beneficiary of the Mortgage solely as nominee for the original lender its successors and assigns without presenting a power of attorney as required by N.J.S.A. 46:2B-8.2 in either their pending foreclosure action in Doc. No. XXXX or their correspondence XX/XX/XXXX ( See Exhibit A ). ; ( 8 ) XXXX and PHH referenced on page two of five of their XX/XX/XXXX communication a MIN number that is associated with the above referenced account number without providing an authoritative copy of the transferable record as I previously requested and they are required to provide pursuant to 15 U.S.C. section 7021 ( f ). ; ( 9 ) XXXX and PHH claimed on page two of five of their XX/XX/XXXX communication that the subject account is past due for the XX/XX/XXXX payment and further claimed on page three of five of their XX/XX/XXXX communication that The Litton Payment History enclosed to their communication reflects all credits and disbursements made to the account by Litton and the resulting account status., all of which is false and they continue to omit and conceal : ( i ) the trial modification agreement offered by Litton Loan and executed by me on XX/XX/XXXX, requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were all timely paid and cashed by Litton Loan ( See Exhibit D ), and the latter failed to permanently modify the transaction or apply payments to the subject account ; ( ii ) a total of {$10000.00} in payments that were made to and cashed by Litton Loan for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit E ) ; and ( iii ) a total of {$5100.00} in payments that were tendered and presented to Litton Loan for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were returned by Litton Loan for several varying reasons, the middle of which instructed me to refer to my already deceased husband on the payment ( See Exhibit F ). ; ( 10 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that It was determined that the foreclosure proceedings were initiated on XX/XX/XXXX, at that time the account was past due for XX/XX/XXXX payment, followed by their claim on the same page that the account was referred to foreclosure on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX payments. ( See Exhibit A ), and those statements are false, deceptive and contradictory because : ( i ) Litton Loan did indeed commence a foreclosure action on XX/XX/XXXX under Docket No. : XXXX which is the same day my husband died, and the underlying complaint matured the subject account number and demanded the total amount due thereunder as of XX/XX/XXXX ( See Exhibit G ) ; ( ii ) XXXX and PHH are falsely implying in the pending foreclosure action under Docket No. XXXX ( See Exhibit L ) and within their XX/XX/XXXX communication ( See Exhibit A ) that payments were made and applied towards the subject account for the installments due XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX when they were not ; ( iii ) they are claiming the subject account was referred to foreclosure on XX/XX/XXXX, at which time, Ocwen was still prosecuting a foreclosure for the subject account under Docket No. XXXX declaring a default as of XX/XX/XXXX until the matter was voluntarily dismissed by Ocwen on XX/XX/XXXX ( See Exhibit H ). ; ( 11 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that XXXX XXXX XXXX ( XXXX XXXX ) is their foreclosure attorney for the foreclosure action under Docket No. XXXX wherein XXXX XXXX as Trustee for XXXX XXXX XXXX is designated plaintiff ( See Exhibit L ) while, according to a recorded telephone conversation placed to XXXX XXXX XXXX XXXX services on XX/XX/XXXX, XXXX XXXX employees indicated that : ( i ) they have no knowledge about or ownership of the subject loan, account number or address ; ( ii ) they have no knowledge about or involvement with the present and pending foreclosure under docket number XXXX ; and ( iii ) they have never retained XXXX XXXX to initiate and maintain the present and pending foreclosure under docket number XXXX. ; and ( 12 ) the note instrument that NewRez and PHH enclosed with their XX/XX/XXXX communication that is certified to be a true copy remains payable to XXXX XXXX XXXX and the last page ( five of five ) is followed by a Notice of Right to Cancel ( See Exhibit I ), and is not followed by the separate forged counterfeit piece of paper that they previously caused to be electronically filed with the NJ Superior Court in the pending foreclosure action under Docket No. XXXX ( under penalties pursuant to 18 U.S.C. section 1343 and other state and federal criminal statutes ) by XXXX XXXX, XXXX. ( Attorney XXXX ) of XXXX XXXX that is certified to be a true and correct copy of the original instrument and includes a separate piece of paper behind page five of five that bears a counterfeit and undated stamp misrepresented to be an indorsement by XXXX XXXX ( See Exhibit J ), the latter of whose varying and forged signatures and stamps are documented by the Florida Office of the Attorney General Economic Crimes Division report titled Unfair, Deceptive And Unconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ) ( See Exhibit K ).
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| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am steadfastly disputing Owens response dated XXXX/XXXX/XXXX under Case # XXXX to my compliant. Ocwen 's response is most certainly neither an appropriate and nor complete response to my complaint ; and I have emphatically denied, and continue to deny, Ocwen flagrantly erroneous assertions that my previous concerns were addressed ( those that was raised in my communication with Ocwen on XXXX/XXXX/XXXX and XXXX XXXX, XXXX ). XXXX XXXX XXXX 's response to my request and concerns, which were clearly and specifically delineated in ten points, is curt, short, and unacceptably far from comprehensive, as it failed to address those aforementioned issues, especially those concerning her department ( Ombudsman Office ). There are too many problems and questions that are unresolved, which makes me view Ocwens integrity as dubious at best, and too much of variable ; and, therefore, it would be unwise of me to be satisfied with the uncertain state in which Ocwen has left me, which is characterized by their statement, " still under review and will be addressed under separate cover ''. NO consumer would be satisfied with, agree to a endless deployment resolution, or willingly endure this kind of horrible behavior that Ocwen has displayed!
A review of Ocwen 's response indicates a major short to my required compliant, the Tax history request as consistently been for XXXX to XXXX from XXXX XXXX verbally and written, even in the dispute CFPB compliant please review the paragraph. Ocwen has essentially, by their systematic practices of giving customers the runaround, ignored my repeated complaints and their own mistakes from XXXX XXXX, which was when I requested my Tax history information for the period XXXX. This information was supposed by be drawn from Ocwen 's Tax history ( its own proprietary management systems ). However, to date Ocwen has given me only an incomplete response to complaint by providing a half spreadsheet and voluminous, incomprehensible statements that I am expected to decipher. Ocwen 's has abjectly failed on this point, and it has orally and in writing given false information to me by stating that it only possesses tax history from XXXX XXXX, XXXX a foolish act on my part gave this information out, I do regret to have taken this action. what happen to the completeness XXXX to XXXX/XXXX/XXXX ( not to XXXX ) on the spreadsheet in simplicity. Since filing with the CFPB, Ocwen has been intentionally and inexcusably, sluggish and parsimonious with their responses and information ( almost seemingly as a matter of policy and doctrine ), as they have dealt with me without any semblance of transparency or completeness. There was absolutely no legitimate reason for Ocwen to reply in this manner when it was not what I EVER requested.
Below is my oft-repeated, simple and specific request. It is the same information specifically included in the XXXX and breakdown in the following order ONLY for each from XXXX - XXXX : 1 ) Disbursement of XXXX XXXX XXXX, 2 ) Disbursement of XXXX XXXX XXXX, and 3 ) Disbursement of Village Tax, Any other information besides the above is at best superfluous and unnecessary. At worst, and most likely, it is red herring - an deliberately underhanded attempt by Ocwen to mislead and confuse me, and a ploy to confound the consumer with voluminous and immaterial data and intricacies, all while engaging in a ceaseless and needless back-and-forth with Ocwen. It is unreasonable and devious to expect me to interpret Ocwen 's system file statements ( XXXX XXXX ). There is no need whatsoever to complicate anything with gratuitous details and figures. All that 's required is the simple provision of a ) XXXX XXXX XXXX, b ) School Tax, and c ) Village Tax. Furthermore, there was absolutely no reason for the information to stop at XXXX, rather than XXXX. I need the remainder populated as per my continual and consistent request. Ocwen should recheck their nvestigation on XXXX for an example that you statement has a major flaw, and set the platform for errors on your model research in moving forward. Please address the following this specifics in your response : 1. Was there a XXXX XXXX distribution? Also, please make reference to the total tax paid out. ( It appears that Ocwen 's data is compromised, or that the resources used were not thorough with the investigation for XXXX. ) 2. I need the XXXX especially for XXXX launch state to verify Ocwen 's information. ( If Ocwen can make bold and absolute statements ( as it has often done in my case ), then there should not be an is ever-changing statuses and contradictions ; nor should there be any failures to take accountability for its mistakes. ) It is utterly impossible to trust Ocwen 's integrity when they have so continuously and unapologetically behaved in such a capricious, deceitful and manipulative manner. And if I can not trust the information that I have been provided, then it is foolish to pass it forward to the next step. I have been injured three times before by Ocwen by my reliance on their information.
My request as well as the format thereof has always remained simple. And yet I have made over eleven ( 11 ) communications ( and counting ) since XXXX XXXX with XXXX, all of which have ultimately proven unproductive and unhelpful. The matter concerning your breakdown of the current outstanding amount monthly installment. My Tax Property Grievance Reduction has been reducing since XXXX. I do not understand XXXX, XXXX and XXXX XXXX XXXX installment payment was {$2000.00} then skyrocketed to {$2300.00} installment XXXX huge discrepancy of {$300.00} ) from XXXX XXXX, XXXX to present, explain? Now, regarding the matter of Notice Of Collection, which is required by the Fair Debt Collection Practices Act ( FDCPA ) prior to foreclose referral, I must state that I NEVER AT ANY POINT RECEIVED THIS NOTICE AND NOTHING WAS EVER SIGNED FOR THE SUMMONS AND COMPLAINT ( index # XXXX ). Service, therefore, has been incomplete and improper. I only found out about the matter because of the abundance of calls correspondence I was receiving from attorney 's that practice in the area of foreclosures. XXXX, if Ocwen contends that service was proper in this case, then I demand that Ocwen provide proof of the signing, the signature, and the date of place the service was completed. Given Ocwen 's history of shady and deceptive practices, I can not take anything for granted on Ocwen 's word, especially when this is essentially that same preemptive tactic Ocwned used in my second CFPB complaint ( Case # XXXX ) ; " A rush to judgment '' relevant points about the same are provided below : 1. Ocwen Notice was disputed ( XXXX ) ( DEBT IS NOT VALID WITHOUT VERIFICATION ). Ocwen never answered my communication ( whether in writing or verbally ) but went ahead filed a foreclosure action under false pretenses, with preemptive and premature intent, and against The Fair Debt Collection Practiced Act, which is exactly what is happening now.
2. I as " pro se '' attempted several times to contacted Ocwen and their attorney regarding the above, but my calls, voicemails, emails and faxes were never returned, as Ocwen was obviously engaging in their evasive and deceptive behavior, which seems to be occurring yet again.
3. Ocwen was found to have lied on several counts ( between XXXX and XXXX ) - e.g., 1 ) falsely stating that they forwarded solutions to my request and 2 ) falsely stating that they responded to my communications by calling me on my cell phone, when they, in fact, never did ( *when a call to a cell phone is made in 21st century, there are only a handful of possibilities : ( 1 ) the call is missed, ( 2 ) a voicemail is left for by the caller, or ( 3 ) the network is busy and there is the option to call again later ; but according to my service provider, there is no record of any of these taking place ; and nevertheless, XXXX XXXX ( supervisor ) should have attempted to call me back if there was problem with the network ), ( Ocwen apparently has a science and a culture to misdirect and frustrate to homeowners through certain departments - i.e., Research Department , Consumers Advocate Department , HRD Mediation Team , Consumer 's Ombudsman Office ).
4. I asked XXXX XXXX ( Consumer Account Analyst ) about the reason for the above and he said he knew nothing about it ( Notice Of Collection or to Wait on Ocwens ). It is clearly abnormal for the person who is the point of contact to know nothing about the main issue? Perhaps if he took time to listen more, the outcome would be different.
5. And yet, what is happening now seems to be a verbatim repeat of what has happened before, as another Consumer Account Analyst ( XXXX XXXX ) in the same Consumer Ombudsman office has unnecessarily complicated my compliant ( with reminiscent actions and tactics ), with even greater harm than before now being inflicted. It is evident that whatever is communicated by Ocwen has to be vetted. Ocwen has fail to take any responsibility adding more complications to what was already a disaster. These systemic regulatory violations are still apparent in XXXX as it was in XXXX, XXXX and XXXX. With Ocwen, there is a root to this behavior that comes from a common source, even after Ocwen changed attorneys. Ocwen is still delegating out these violations. There must be a policing enforcement by CFPB and FTC to protect the consumers.
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| 06/26/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By letter response dated XX/XX/XXXX and enclosed hereto as Exhibit A, XXXX XXXX ( XXXX ) c/o PHH Mortgage Services ( PHH ) provided the following false and deceptive statements along with forged falsely uttered evidence enclosed thereto : ( 1 ) As displayed on page five of five of the communication and throughout, XXXX and PHH continue to identify the Customer ( s ) for the above referenced account number as the " Estate of XXXX XXXX XXXX '' ( See Exhibit A ), when no such estate or person exist and the Estate of XXXX XXXX XXXX has no interest in the subject property or subject account number. ; ( 2 ) As displayed on page one of five of the XX/XX/XXXX communication, XXXX and PHH declared they were not involved in the origination of the account and therefore would not be able to comment on concerns regarding the origination. ( See Exhibit A ), which is proof that everything declared under penalty of perjury in the foreclosure action under Docket No. XXXX pertaining to the original transaction is unsubstantiated - unauthenticated hearsay because neither XXXX or PHH have knowledge as to whether or not the original transaction is fraud in factum, the product of illegalities by XXXX XXXX XXXX XXXX ( New Century Mortgage ) and subject to set-off and recoupment.
( 3 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated there is no single owner of the account, but rather the account is one of many in a securitized investment trust, XXXX Trust XXXX Mortgage Pass-Through Certificates, XXXX XXXX. ( See Exhibit A ), a statement that XXXX and PHH omitted in the pleadings filed in the above docket number, you omitted the names and identities of the multiple owners ( alleged ) for the subject account number in their XX/XX/XXXX communication and have yet to provide a notice of new creditor as required by federal law ( See 15 U.S.C. section 1641 ( g ) ). ; ( 4 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and / or PHH declared they are servicing the account for XXXX Trust XXXX Mortgage Pass-Through Certificates, XXXX XXXX ( XXXX Trust XXXX ) ( See Exhibit A ), without presenting a power of attorney as required by N.J.S.A. XXXX in the foreclosure action under Docket No. XXXX or within XXXX and PHHs XX/XX/XXXX correspondence ( See Exhibit A ) to prove their claims of agency. ; ( 5 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated that XXXX XXXX XXXX XXXX ( XXXX XXXX ) is the trustee for XXXX XXXX XXXX and the alleged trustee does not own the subject account ( See Exhibit A ), which is a claim omitted from XXXX and PHHs pleadings in the foreclosure action under Docket No. XXXX ( See Exhibit L ), contradicts their statements set forth within the instrument titled CORPORATE ASSIGNMENT OF MORTGAGE that they enclosed within their XX/XX/XXXX communication wherein XXXX XXXX as Trustee for XXXX XXXX XXXX is designated owner of the subject mortgage loan as of XX/XX/XXXX for an alleged good and valuable consideration that XXXX XXXX as Trustee for XXXX XXXX XXXX paid to XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX ( See Exhibit B ), and the alleged assignment is five years after Ocwen Loan Servicing ( Ocwen ) commenced its foreclosure action against me in Docket No. XXXX by complaint filed on XX/XX/XXXX for the subject mortgage loan ( See Exhibit L ) ; ( 6 ) The XX/XX/XXXX communication from XXXX and PHH fails to include evidence demonstrating when and how ownership and possession of the subject mortgage loan was transferred from XXXX XXXX XXXX as the originator before XXXX XXXX XXXX became a chapter XXXX bankruptcy debtor on XX/XX/XXXX ( to present date ) in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX ( XXXX ) ( See Exhibit C ). ; ( 7 ) XXXX and / or PHH claimed on page two of five of their XX/XX/XXXX communication that the loan originated with XXXX XXXX XXXX XXXX ( XXXX ) as the original beneficiary of the Mortgage solely as nominee for the original lender its successors and assigns without presenting a power of attorney as required by N.J.S.A. 46:2B-8.2 in either their pending foreclosure action in XXXX. No. XXXX or their correspondence XX/XX/XXXX ( See Exhibit A ). ; ( 8 ) XXXX and PHH referenced on page two of five of their XX/XX/XXXX communication a MIN number that is associated with the above referenced account number without providing an authoritative copy of the transferable record as I previously requested and they are required to provide pursuant to 15 U.S.C. section 7021 ( f ). ; ( 9 ) XXXX and PHH claimed on page two of five of their XX/XX/XXXX communication that the subject account is past due for the XX/XX/XXXX payment and further claimed on page three of five of their XX/XX/XXXX communication that XXXX XXXX Payment History enclosed to their communication reflects all credits and disbursements made to the account by XXXX and the resulting account status., all of which is false and they continue to omit and conceal : ( i ) the trial modification agreement offered by XXXX XXXX and executed by me on XX/XX/XXXX, requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were all timely paid and cashed by XXXX XXXX ( See Exhibit D ), and the latter failed to permanently modify the transaction or apply payments to the subject account ; ( ii ) a total of {$10000.00} in payments that were made to and cashed by XXXX XXXX for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit E ) ; and ( iii ) a total of {$5100.00} in payments that were tendered and presented to XXXX XXXX for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were returned by XXXX XXXX for several varying reasons, the middle of which instructed me to refer to my already deceased husband on the payment ( See Exhibit F ). ; ( 10 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that It was determined that the foreclosure proceedings were initiated on XX/XX/XXXX, at that time the account was past due for XX/XX/XXXX payment, followed by their claim on the same page that the account was referred to foreclosure on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX payments. ( See Exhibit A ), and those statements are false, deceptive and contradictory because : ( i ) XXXX XXXX did indeed commence a foreclosure action on XX/XX/XXXX under Docket No. : XXXX which is the same day my husband died, and the underlying complaint matured the subject account number and demanded the total amount due thereunder as of XX/XX/XXXX ( See Exhibit G ) ; ( ii ) XXXX and PHH are falsely implying in the pending foreclosure action under Docket No. XXXX ( See Exhibit L ) and within their XX/XX/XXXX communication ( See Exhibit A ) that payments were made and applied towards the subject account for the installments due XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX when they were not ; ( iii ) they are claiming the subject account was referred to foreclosure on XX/XX/XXXX, at which time, Ocwen was still prosecuting a foreclosure for the subject account under Docket No. XXXX declaring a default as of XX/XX/XXXX until the matter was voluntarily dismissed by Ocwen on XX/XX/XXXX ( See Exhibit H ). ; ( 11 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that XXXX XXXX XXXX ( XXXX XXXX ) is their foreclosure attorney for the foreclosure action under Docket No. XXXX wherein XXXX XXXX as Trustee for XXXX XXXX XXXX is designated plaintiff ( See Exhibit L ) while, according to a recorded telephone conversation placed to XXXX XXXX XXXX XXXX services on XX/XX/XXXX, XXXX XXXX employees indicated that : ( i ) they have no knowledge about or ownership of the subject loan, account number or address ; ( ii ) they have no knowledge about or involvement with the present and pending foreclosure under docket number XXXX ; and ( iii ) they have never retained XXXX XXXX to initiate and maintain the present and pending foreclosure under docket number XXXX. ; and ( 12 ) the note instrument that XXXX and PHH enclosed with their XX/XX/XXXX communication that is certified to be a true copy remains payable to XXXX XXXX XXXX and the last page ( five of five ) is followed by a Notice of Right to Cancel ( See Exhibit I ), and is not followed by the separate forged counterfeit piece of paper that they previously caused to be electronically filed with the NJ XXXX XXXX in the pending foreclosure action under Docket No. XXXX ( under penalties pursuant to 18 U.S.C. section 1343 and other state and federal criminal statutes ) by XXXX XXXX, XXXX. ( XXXX XXXX ) of XXXX XXXX that is certified to be a true and correct copy of the original instrument and includes a separate piece of paper behind page five of five that bears a counterfeit and undated stamp misrepresented to be an indorsement by XXXX XXXX ( See Exhibit J ), the latter of whose varying and forged signatures and stamps are documented by the Florida Office of the Attorney General XXXX XXXX XXXX report titled Unfair, Deceptive And Unconscionable Acts In Foreclosure Cases ( Id. at XXXX XXXX of XXXX ) ( See Exhibit K ).
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| 01/16/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX, VA. XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX Supporting Statement to My Complaint Against XXXX XXXX XXXX The modification process with Ocwen Loan Servicing, LLC was a hopeless effort because of the reasons that I will try to explain in this letter. After submitting the hardship letter and the modification application in XX/XX/XXXX, we were told that our modification was denied by Ocwen because quote unquote, Your monthly housing expense is less than or equal to 31 % of your gross monthly income and you are not eligible for a Home Affordable Modification dated XX/XX/XXXX. One month later, we received a letter from Ocwen stating that we recently received your request for a Traditional loan modification. My wife and I did not send a request for any one type of modification. The reason why that type of modification was denied, Ocwen stated that the reason ( s ) was : The request for a modification has been declined by, XXXX XXXX, the investor or master servicer of your loan. Your Hardship reason does not meet modification program requirements, dated XX/XX/XXXX. Please Note that I was told by a Ocwen rep. someone at XXXX XXXX stated that we could not receive a modification because we had already received TWO prior modifications. I spoke to XXXX XXXX about this matter and asked her to find in any of the files forwarded to them from GMAC that we had TWO previous modifications and give me the dates. I also ordered Ocwen to send me a copy of both modifications Ocwen and XXXX XXXX implied that we had received. I dont understand why my hardship reason was unacceptable. On XX/XX/XXXX, we received a letter from XXXX XXXX suggesting that we plan to attend a FREE foreclosure prevention event being held in your area. I went to the event and spoke to a XXXX from XXXX XXXX ; they directed me to speak to an Ocwen XXXX that was also in the room, XXXX XXXX XXXX XXXX Community Relations Specialist Hope Division, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Email address : XXXX NMLS # XXXX. XXXX XXXX took a look in the computer and pulled the notes under my loan number and told me that it was noted in my file that my modification was denied because Ocwen and or XXXX XXXX felt that the date of my hardship was not acceptable. XXXX XXXX told me to just change the date of the letter and resubmit the hardship letter by emailing it to him and he would forward it to the right department. XXXX XXXX stated that he would request that Ocwen reopen our case or modification process, XXXX XXXX after listening to my situation stated to me that we would qualify for different programs ; he wished us well and told me to follow up with him after emailing the rewritten hardship letter. Ocwen reopened our modification and told us to resubmit another application with it. We resubmitted another modification application in XX/XX/XXXX, the following month Ocwen sent me letter asking me to send a completed self- employment financial form. I faxed Ocwen the completed form around XX/XX/XXXX. In XX/XX/XXXX we received another letter from Ocwen referring that they had been trying to reach us and that we need to contact them, if we did not our modification will go into foreclosure. I called them and asked why did the send the letter when we had just sent another application and that I had fax the last form needed to complete the package. A rep. from Ocwen then told me that they needed another application because the forms had been changed, I stated to them that they should be able to us the application that was just sent in not 30 days ago. A few days later we received a letter from Ocwen on XX/XX/XXXX, stating that we had received a Streamlined Modification Trial Period Plan starting with the first payment at the amount of {$1600.00} for three months and they would determine the terms of the plan after making the first three months payments. The trial period payments were only about {$80.00} dollars different from our original monthly payments. I call Ocwen and asked did our application contribute in any way to the decision of the terms of this plan, and I also asked exactly what a Streamline Modification is? It was stated to me that a Streamline Modification is a prescreened modification ; I stated that our application was not factored in the decisions because if I could afford {$1600.00} payments, we wouldnt be in a hardship. Please note that I have been very frustrated with this entire modification process and I feel that we will never receive a modification with Ocwen. In XX/XX/XXXX- XX/XX/XXXX we went thru the same run around with GMAC ; we had to get an Attorney to get the modification. I cost us over {$2000.00} to hire an attorney. Later to get a letter on XX/XX/XXXX from Paying Agent XXXX XXXX, XXXX stating that we were eligible to receive a payment as a result of an agreement between federal banking regulators and XXXX XXXX XXXX in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. A payment of {$400.00} was sent to us, after our mortgage was sent to Ocwen by GMAC in XX/XX/XXXX. Please also note that I have had previous dealing with Ocwen in the handling of my Grandmother and Mothers home, a house my grandfather build in the early XX/XX/XXXX. The house was paid for, over the years it started to need some fix up work, my mom and grandmother to out an equity loan with Ocwen, they were on a fixed income. Ocwen gave them an adjustable mortgage loan, after a few years the mortgage went up to almost a 15 % interest rate. My Grandmother was in her XXXX and my mom in her XXXX. After trying to get the home refinanced and being turned down because the house was not of value to cover the loan that Ocwen gave my family, I took over the handling of the mortgage situation. I was authorized to speak with Ocwen about my family home, after going back and forward with Ocwen pleading with them for a modification with a fixed rate or anything to help them with their situation. After approximately two years writing letters to Ocwen litigation department, Ocwen foreclosed my family home that I was raised up in, I then forwarded all of the information and letters to my mothers attorney. I had found that Ocwen sent an appraisal company of their choice from XXXX Virginia to appraise my family home, I saw in the appraisal upgrades that were not in the home and never have been in the home and that the appraiser compared the 40 year old property with other houses that were only within 20 years of age. The attorney took the case and within four months my mom received the deed to their property paid in full. The name of the law firm was the XXXX XXXX XXXX XXXX @ XXXX, Case # XXXX in XX/XX/XXXX under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX. It was good to see resolutions to our problem, but it does not help the pain and sorrow you feel when families are going through the crisis. The mortgage companies got vacant homes sitting on the books because people just gave up on trying to deal with these companies with all the games they play, only to be investigated later and having to pay money to the Government that they have made on the loss of families properties with equity from years trying to make the payments as agreed. In XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX with Congressman XXXX XXXX XXXX in XXXX XXXX Virginia, Ocwen took about 9 months before issuing a final response, It was a bogus response without details. In XX/XX/XXXX after we received a foreclosure sell date date on our property, I retained a Attorney XXXX XXXX XXXX, XXXX. to keep from loosing our home. Attorney XXXX filed a motion in the XXXX XXXX Courts to stop the sale of our property and began working on a modification. We later received a motion from attorney XXXX to Withdraw From Counsel in XX/XX/XXXX, the motion was filed based on false claim. I showed up in court on the scheduled court date, a young lady approached me when I entered the courtroom, she stated to me that she was attorney XXXX XXXX XXXX representing attorney XXXX XXXX. Attorney XXXX approached the stand and argued the case before the Judge without stating her name and affiliation with attorney XXXX, I told the judge that I was only behind in my payment to the attorney, attorney XXXX supported the false motion filed, I DID NOT Argue the case when she lied because I felt that I did not need an attorney that will file a false motion against me. After the case attorney XXXX gave me her business card and stated to me that if I had any questions, to call her. A few weeks later after we no longer had no attorney representation, we received a letter from the local attorney firm representing XXXX XXXX XXXX, the firm was the same name that was on the card that attorney XXXX XXXX gave me after the hearing I had for my attorney. The firm name is : XXXX XXXX XXXX / Attorneys at Law. My wife moved out the house do to the stress of our situation, we received another sell date and I had to file bankruptcy to keep from being charged on our credit with losing our property in Mortgage Forecloser and mortgage repossession.
I filed complaints against both attorneys with the Virginia State Bar Association in XX/XX/XXXX, I waiting for a response. Please feel free to call me anytime @ XXXX.
Sincerely, XXXX XXXX XXXX.
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| 06/26/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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By letter response dated XX/XX/XXXX and enclosed hereto as Exhibit A, XXXX XXXX ( XXXX ) c/o PHH Mortgage Services ( PHH ) provided the following false and deceptive statements along with forged falsely uttered evidence enclosed thereto : ( 1 ) As displayed on page five of five of the communication and throughout, XXXX and PHH continue to identify the Customer ( s ) for the above referenced account number as the " Estate of XXXX XXXX XXXX '' ( See Exhibit A ), when no such estate or person exist and the Estate of XXXX XXXX XXXX has no interest in the subject property or subject account number. ; ( 2 ) As displayed on page one of five of the XX/XX/XXXX communication, XXXX and PHH declared they were not involved in the origination of the account and therefore would not be able to comment on concerns regarding the origination. ( See Exhibit A ), which is proof that everything declared under penalty of perjury in the foreclosure action under Docket No. XXXX pertaining to the original transaction is unsubstantiated - unauthenticated hearsay because neither XXXX or PHH have knowledge as to whether or not the original transaction is fraud in factum, the product of illegalities by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and subject to set-off and recoupment.
( 3 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated there is no single owner of the account, but rather the account is one of many in a securitized investment trust, XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX. ( See Exhibit A ), a statement that XXXX and PHH omitted in the pleadings filed in the above docket number, you omitted the names and identities of the multiple owners ( alleged ) for the subject account number in their XX/XX/XXXX communication and have yet to provide a notice of new creditor as required by federal law ( See 15 U.S.C. section 1641 ( g ) ). ; ( 4 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and / or PHH declared they are servicing the account for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX ( XXXX XXXX XXXX ) ( See Exhibit A ), without presenting a power of attorney as required by N.J.S.A. 46:2B-8.2 in the foreclosure action under Docket No. XXXX or within XXXX and PHHs XX/XX/XXXX correspondence ( See Exhibit A ) to prove their claims of agency. ; ( 5 ) As displayed on page two of five of the XX/XX/XXXX communication, XXXX and PHH stated that XXXX XXXX XXXX XXXX ( XXXX XXXX ) is the trustee for XXXX XXXX XXXX and the alleged trustee does not own the subject account ( See Exhibit A ), which is a claim omitted from XXXX and PHHs pleadings in the foreclosure action under Docket No. XXXX ( See Exhibit L ), contradicts their statements set forth within the instrument titled CORPORATE ASSIGNMENT OF MORTGAGE that they enclosed within their XX/XX/XXXX communication wherein XXXX XXXX as Trustee for XXXX XXXX XXXX is designated owner of the subject mortgage loan as of XX/XX/XXXX for an alleged good and valuable consideration that XXXX XXXX as Trustee for XXXX XXXX XXXX paid to XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX ( See Exhibit B ), and the alleged assignment is five years after Ocwen Loan Servicing ( Ocwen ) commenced its foreclosure action against me in Docket No. XXXX by complaint filed on XX/XX/XXXX for the subject mortgage loan ( See Exhibit L ) ; ( 6 ) The XX/XX/XXXX communication from XXXX and PHH fails to include evidence demonstrating when and how ownership and possession of the subject mortgage loan was transferred from XXXX XXXX XXXX as the originator before XXXX XXXX XXXX became a chapter XXXX bankruptcy debtor on XX/XX/XXXX ( to present date ) in the XXXX XXXX Court for the District of Delaware under Case No. XXXX ( XXXX ) ( See Exhibit C ). ; ( 7 ) XXXX and / or PHH claimed on page two of five of their XX/XX/XXXX communication that the loan originated with XXXX XXXX XXXX XXXX ( XXXX ) as the original beneficiary of the Mortgage solely as nominee for the original lender its successors and assigns without presenting a power of attorney as required by N.J.S.A. 46:2B-8.2 in either their pending foreclosure action in Doc. No. XXXX or their correspondence XX/XX/XXXX ( See Exhibit A ). ; ( 8 ) XXXX and PHH referenced on page two of five of their XX/XX/XXXX communication a MIN number that is associated with the above referenced account number without providing an authoritative copy of the transferable record as I previously requested and they are required to provide pursuant to 15 U.S.C. section 7021 ( f ). ; ( 9 ) XXXX and PHH claimed on page two of five of their XX/XX/XXXX communication that the subject account is past due for the XX/XX/XXXX payment and further claimed on page three of five of their XX/XX/XXXX communication that The XXXX Payment History enclosed to their communication reflects all credits and disbursements made to the account by XXXX and the resulting account status., all of which is false and they continue to omit and conceal : ( i ) the trial modification agreement offered by XXXX XXXX and executed by me on XX/XX/XXXX, requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were all timely paid and cashed by XXXX XXXX ( See Exhibit D ), and the latter failed to permanently modify the transaction or apply payments to the subject account ; ( ii ) a total of {$10000.00} in payments that were made to and cashed by XXXX XXXX for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit E ) ; and ( iii ) a total of {$5100.00} in payments that were tendered and presented to XXXX XXXX for the installments declared due towards the subject account on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were returned by XXXX XXXX for several varying reasons, the middle of which instructed me to refer to my already deceased husband on the payment ( See Exhibit F ). ; ( 10 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that It was determined that the foreclosure proceedings were initiated on XX/XX/XXXX, at that time the account was past due for XX/XX/XXXX payment, followed by their claim on the same page that the account was referred to foreclosure on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX payments. ( See Exhibit A ), and those statements are false, deceptive and contradictory because : ( i ) XXXX XXXX did indeed commence a foreclosure action on XX/XX/XXXX under Docket No. : XXXX which is the same day my husband died, and the underlying complaint matured the subject account number and demanded the total amount due thereunder as of XX/XX/XXXX ( See Exhibit G ) ; ( ii ) XXXX and PHH are falsely implying in the pending foreclosure action under Docket No. XXXX ( See Exhibit L ) and within their XX/XX/XXXX communication ( See Exhibit A ) that payments were made and applied towards the subject account for the installments due XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX when they were not ; ( iii ) they are claiming the subject account was referred to foreclosure on XX/XX/XXXX, at which time, Ocwen was still prosecuting a foreclosure for the subject account under Docket No. XXXX declaring a default as of XX/XX/XXXX until the matter was voluntarily dismissed by Ocwen on XX/XX/XXXX ( See Exhibit H ). ; ( 11 ) XXXX and PHH claimed on page three of five of their XX/XX/XXXX communication that XXXX XXXX XXXX ( XXXX XXXX ) is their foreclosure attorney for the foreclosure action under Docket No. XXXX wherein XXXX XXXX as Trustee for XXXX XXXX XXXX is designated plaintiff ( See Exhibit L ) while, according to a recorded telephone conversation placed to XXXX XXXX Corporate Trust services on XX/XX/XXXX, XXXX XXXX employees indicated that : ( i ) they have no knowledge about or ownership of the subject loan, account number or address ; ( ii ) they have no knowledge about or involvement with the present and pending foreclosure under docket number XXXX ; and ( iii ) they have never retained XXXX XXXX to initiate and maintain the present and pending foreclosure under docket number XXXX. ; and ( 12 ) the note instrument that XXXX and PHH enclosed with their XX/XX/XXXX communication that is certified to be a true copy remains payable to XXXX XXXX XXXX and the last page ( five of five ) is followed by a Notice of Right to Cancel ( See Exhibit I ), and is not followed by the separate forged counterfeit piece of paper that they previously caused to be electronically filed with the NJ XXXX XXXX in the pending foreclosure action under Docket No. XXXX ( under penalties pursuant to 18 U.S.C. section 1343 and other state and federal criminal statutes ) by XXXX XXXX, XXXX. ( XXXX XXXX ) of XXXX XXXX that is certified to be a true and correct copy of the original instrument and includes a separate piece of paper behind page five of five that bears a counterfeit and undated stamp misrepresented to be an indorsement by XXXX XXXX ( See Exhibit J ), the latter of whose varying and forged signatures and stamps are documented by the Florida Office of the Attorney General XXXX XXXX XXXX report titled Unfair, Deceptive And Unconscionable Acts In Foreclosure Cases ( Id. at Page 61-62 of 98 ) ( See Exhibit K ).
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| 05/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Attempt at Chronological Order of Events in XXXX ( XXXX ) XXXX XXXX Foreclosure : 1 ) Approximately XXXX XX/XX/2013, was notified by Certified Mail from Law Firm, XXXX and XXXX in XXXX, SC that foreclosure proceedings would begin in Master In Equity ( MIE ) Courtroom on XX/XX/2013 at XXXX XXXX in the XXXX County South Carolina Courthouse to set a sale date for Foreclosure on our home at XXXX XXXX XXXX., XXXX XXXX, SC XXXX.
2 ) Contacted XXXX XXXX at XXXX XXXX XXXX firm on approximately XXXX XX/XX/2013 to assist me with ascertaining assistance on getting foreclosure proceedings stopped.
3 ) Sunday, XXXX XX/XX/2013, received Securitization Audit from XXXX to take with me to court on Monday, XXXX XX/XX/2013.
4 ) Monday, XXXX XX/XX/2013, spent the early morning hours on phone with XXXX XXXX going over how to present audit findings to the Judge and what to say.
5 ) Monday, XXXX XX/XX/2013 went to court and met opposing attorney from XXXX and XXXX XXXX XXXX. Mr. XXXX XXXX, representing XXXX XXXX 10 minutes before the court time was to begin. He went over papers to insure that I was who I said I was and also informed me that their purpose for being there that day was to set a sell date for my house and he told me the date BEFORE we even went into the courtroom to hear the case before the Judge.
6 ) Upon opening statement of Attorney for XXXX XXXX I interjected with the fact that I had never seen any of the documents he was presenting to the Judge and he immediately told me, in front of the Judge, to give him my e-mail address and he would e-mail me the documents over after he left court that day.
7 ) The Judge asked me if I had any questions or would like to address the court. I immediately asked him if I could approach and give him a copy of the Securitization AudiXXXX and he refused to allow me to bring it or show it to him. The opposing attorney wanted a copy of it and I provided it for him on the spot with a copy I had already prepared for him.
8 ) I stated exactly and verbatim of what I was schooled to say to the Judge and he simply set there, listened and then asked if there was anything else that I wanted to say. He would not look at the Audit and would not even consider anything I said was plausible whatsoever. Upon saying there was nothing else, he immediately looked to Attorney XXXX and asked him what date they wanted to have the sale and he told them XX/XX/XXXX or XX/XX/XXXX, Im not exactly sure but it was one or the other of these two dates. I was so overwhelmed that at that point it became irrelevant of the exact date I suppose.
9 ) I called and told XXXX about the reaction of the Judge and he was appalled and overwhelmed as was the Auditor that did the Audit as well. He told me to contact you to prepare a Temporary Restraining Order and an Ex-Parte Motion to get an immediate audience with the Judge again to go over the inaccuracy of the claim being made that XXXX XXXXk had jurisdiction or the legal right to foreclose on my property.
10 ) He suggested I go get every document that had been filed with the XXXX County Clerk of Court and Register of Deeds and we did so.
11 ) On Wednesday, XXXX XX/XX/2013, in addition to what XXXX said about ascertaining the documents from the Court and Register of Deeds, he asked me if I had received the e-mail from the attorney with the documents he had promised me in court in front of the Judge. I told him I had not received them yet and he suggested that I call the attorneys office, XXXX XXXX, at XXXX and XXXX to ask where my copies of all the documents provided to the Judge were, as I had not received them yet. I called them and was told by the lady that handled the requests for Attorney XXXX that I would have to send her an e-mail to their status section to get those copies. I did send the request to her at the address she gave me, XXXX.
12 ) Again, on Thursday, XXXX XX/XX/2013 I spoke with XXXX and he asked me if I had gotten the e-mail from the attorney yet and I told him no. He suggested to call them again. I did call them again and was told that I needed to send an e-mail again to the XXXX e-mail address she gave me. I sent it again and confirmed that it was received. He told me to call them every hour until I got satisfaction.
13 ) I called her again on Thursday, XXXX XX/XX/2013 approximately an hour later to ask if the request had been sent out to me. She put me on hold and came back to tell me that they could not send them out to me until it had been filed with the court. When I asked when that would be she said it would probably be sometime the following week. I told her that was ridiculous and it would be too late to question the validity of the documents before my sale date arrived.
14 ) I still had not received the e-mail on Friday, XXXX XX/XX/2013 and called the Law Firm, XXXX and XXXX, again and asked specifically for Mr. XXXX XXXX. They refused to let me speak with him and I asked to speak with his Para-Legal. I spoke with XXXX in his office and explained my frustration with not getting these requested documents and he went on to confirm that they would not send the documents to me until they were filed with the courts, which again I told him was ridiculous and out of the question.
15 ) I faxed all the documents that were received from the XXXX County Clerks office and the Register of Deeds to XXXX on Friday, XX/XX/2013. There were a total of 82 pages sent to him and he said he would review them and get back to me.
SUMMARY AND CONCLUSION In preparation for this narrative summary, the auditor has thoroughly reviewed each document submitted for review. Above is the verified timeline that applies to this Loan. In addition, information from other sources has been researched and included as deemed appropriate. Although not expressly stated in the Client Intake Sheet, it is assumed that the purpose of the Borrowers engagement of this review is to determine whether the foreclosing party has legal standing to sell the property ; and, if not, whether information ascertained in conjunction with this audit might assist in either 1 ) further delay and/or 2 ) prevent outright the foreclosure of the property.
It should be noted that the primary document for review in an audit is the Promissory Note. We have not been provided with a copy of the Note, particularly a Certified True and Correct Copy of the Original executed Note. It should be noted that the Borrowers have twice specifically requested a copy of the Note from XXXX and twice have received copies of the entire document set without a Note. No explanation has been provided as to whyXXXXXXXX can not produce a Note.
We reviewed an Allonge to a Note, Executed by /stamp signature/ XXXX XXXX XXXX , Vice President. For XXXX XXXX XXXX XXXX, XXXX, Pay to the Order of [ blank ] Without Recourse XXXX XXXX XXXX XXXX, XXXX.
We reviewed XXXX XXXX XXXX Investor Reporting System ; however XXXX XXXX does not show that is acting as a Trustee for a XXXX XXXX Mortgage Loan Asset-Backed Certificates, XXXX XXXX XXXX. The Trust Investor Reporting site lists all active securities whether they were publicly issued through the SEC or were private placements. The only We did find information that XXXX XXXX is the Trustee of a XXXX XXXX XXXX XXXX XXXX. We do not know who the Trustee ( legal owner ) of the XXXX, XXXX or the XXXX XXXX would be, if the Trusts still legally exist and have not been collapsed.
It does appear from reviewing Federal Court records, that XXXX was the Trustee for the XXXX XXXX Mortgage Loan Asset-Backed Certificates, XXXX XXXX per XXXX v. XXXX US District Court - Texas Case XXXX.
Based on the fact that we have not been presented with the Note or the opportunity to view the Note as required under the Uniform Commercial Code and the fact that the foreclosing party has not asserted that the Note has been lost providing a proper Lost Note Affidavit, we can not see that they have standing to foreclose. We do not see that we have a valid Note, Note Endorsement and no valid Assignment of the Mortgage. The unexecuted and unrecorded document provided does not list a valid or complete trust name.
We do not believe that a correct, valid and existing trust has been identified, and are fairly certain that XXXX XXXX has no standing to foreclose on this property.
If it is determined that the Note and Deed of Trust are held by different entities, the loan would be considered bifurcated*, and the security instrument would no longer have the validity to foreclose on the property.
Bifurcation : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX ), the United States Supreme Court stated, The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while assignment of the latter alone is a nullity. The obligation can exist with or without security but a security interest can not without the underlying existing obligation ... so if all you get is the mortgage and not the note, that's pretty much worthless, or you have a Note without collateral.
Sincerely, XXXX XXXX Compliance & Audit Manager XXXX XXXX XXXX XXXX T : XXXX C : XXXX F : XXXX XXXX : XXXX W : XXXX M : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WY XXXX " Research is creating new knowledge. '' XXXX XXXX
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| 10/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Around XXXX my mortgage was sold from XXXX to PHH Mortgage Corporation. Although I contact both XXXX and PHH stating that I did not authorize PHH specifically to service my loan however, because I signed a blanket consent in my loan documents which allows lenders to do this at their free will the borrower therefore has no choice in the matter. Since PHH started servicing my loan, I have had nothing but issues with PHH.
Soon after PHH obtained my loan, PHH decided to update my mailing address without my consent or authorization. I have multiple properties however my mailing address on file for all of them has always been the same XXXX address. Once I realized PHH changed my mailing address on their own to an address in XXXX, I asked them why they decided to update my mailing address without my authorization? Does PHH ( a company ) know what is best for me ( the customer )?
Instead of addressing the issue or answering my questions, PHH responded with how I can update my address myself. One method provided was somewhere under my account management that I did not have any options provided to update my address and the other was through email which according to PHH is not secure to send personal information. The fact of the matter is that I didn't update my address to begin with and I wasn't going to simply fix the issue PHH created. Why is a company updating a customers address at the companies discretion without the customers authorization?
PHH has stated that they have responded to this issue by mailing the response to the address in XXXX that is not my mailing address and by sending me a secure file that I have not been able to open. I have contacted PHH stating that I can't open the secure files they are sending me and I have yet to receive a response back. I don't understand why PHH prefers to play games with me instead of just providing the response?
PHH claims to be about protecting my information and all that security nonsense ( without providing any transparency ) however paper mails my end of XXXX tax documents to the XXXX address which is not my mailing address. I am not sure how exactly this is secure for me ( the customer whose information is at risk ) or how this does not create a risk of me becoming a victim of identity theft?
Furthermore, PHH ( like many other companies that know what is best for their users ) require that customers have XXXX enabled on their account which only creates an additional XXXX ways for the users account to be compromised. I have already been a victim to XXXX separate XXXX hacks and know how easy it is for my account to be hacked via XXXX. However, instead of allowing the customer to decide how much risk they want, PHH ( like XXXX other companies ) doesn't provide users any option to opt out of XXXX. There is no law that requires XXXX be enabled and users should be provided an option to disable it at their own discretion. Again, does PHH ( a company ) know what is best for its users ( the customer )?
After creating an online account on whichever website I get re-directed to, I signed up for paperless statements and " other documents ''. For a XXXX XXXX after doing this I continuously receive marketing paper mailings from PHH and asked them why I am receiving these when I am enrolled in paperless communications? Their response in short was that only statements ( XXXX documents per XXXX ) are eligible for electronic delivery while the marketing paper mailings ( a lot more than XXXX documents per yXXXX ) are not. I asked them how this was not deceiving their customers, why no easy option to opt out of marketing communications is not provided and how this aligned with their public XXXX policy? To me, this is not only deceiving their customers but also investors. An XXXX friendly company that claims to be innovative with their solutions doesn't hesitate wasting resources to mass mail marketing communications to their customers. As far as I know this has been completely ignored and this wasteful anti-XXXX friendly process is still in effect today.
In XX/XX/XXXX, I put in a written request to have my XXXX removed as I am required to do. This wasn't my first time doing this ( first time with PHH ) so I understand the process even though it doesn't make much sense. After waiting XXXX business XXXX for PHH to print out and mail me the XXXX removal instructions, I finally receive them in the mail after waiting XXXX XXXX. In their instructions it stated that I am required to write a check for {$100.00} and mail it to PHH and once they receive that payment then I can call customer service to order a XXXX or an appraisal. Again, this is not my first time doing this however this was the first time any lender has required any type of payment outside of paying for a BPO or an appraisal. Because of this, I asked PHH what this {$100.00} fee was for? As far as I know, this is a required disclosure.
Again, instead of simply answering my question and being transparent, my issue gets sent to the research department with the response being mailed to the address in XXXX that is not my mailing address as well as being sent another secure file that I can not open. What about this fee requires the answer to be sent securely? I have repeatedly asked PHH about this over the past severely XXXX and recently inquired about this again where I received a response about the {$150.00} BPO fee...
In XX/XX/XXXX, my hazard insurance was up for renewal. I was under the impression that PHH was paying my hazard insurance though my escrow account however I was setup to be billed separately and pay separately. Because of this my policy lapsed, which happens, however once I received the XXXXXXXX notice from PHH on XX/XX/XXXX I purchased hazard insurance as I am required to do. The agent at XXXX ( my current hazard insurance policy ) I spoke with said he faxed the policy to PHH on XX/XX/XXXX and I also mailed a copy of the policy to PHH in early XX/XX/XXXX as instructed in their notice.
In late XX/XX/XXXX, I receive a second notice from PHH stating that I still don't have hazard insurance. On XX/XX/XXXX my agent stated that he faxed the policy for a XXXX time and I also contacted PHH through their website providing them my insurance information. PHH responds to my inquiry with my insurance information provided stating that they have not received it. Did anyone bother to read my message???
In XX/XX/XXXX, I receive a XXXX notice stating that I still don't have hazard insurance and PHH was going to buy an overpriced policy on my behalf. Again, I responded with my insurance information and stated to PHH that I am not authorizing this additional hazard insurance policy to be purchased on my behalf because I already have hazard insurance. I asked why PHH was not able to pick up a phone or write an email to verify that I have the hazard insurance I am saying that I have? If I am a new customer trying to obtain a loan they would verify everything I provide but once I am a ( forced ) customer they wont? Is this not part of their job? Why is it that I am providing my hazard insurance information to PHH and PHH continues to ignore me and state that I don't have hazard insurance and they haven't received it? I also stated that any amount I am billed for the duplicate policy PHH purchased against my authorization and am forced to pay that I will be asking for a refund plus interest paid back to immediately. I have hazard insurance ( with XXXX ) that I have already paid in full and there is no justification for this additional hazard insurance policy!
In XX/XX/XXXX, I receive a notice from PHH stating that they have purchased a hazard insurance policy on my behalf thus confirming that PHH has blatantly ignored me, their customer, since at least XX/XX/XXXX and the XXXX times I have sent my hazard insurance to PHH. When I called my insurance agent in XXXX to obtain insurance I was told that I am not able to backdate the policy however for some unknown reason PHH is allowed to backdate a hazard insurance policy that they purchase on my behalf and without my authorization. Somehow this is fair.
Later in XX/XX/XXXX, I receive an out of cycle escrow analysis confirming that PHH is billing me for this unnecessary secondary hazard insurance policy. On my current statement ( XX/XX/XXXX ) I am now being billed for this unnecessary XXXX hazard insurance policy. On the policy PHH sent me in XXXX is states the name of the company is XXXX XXXX XXXX XXXX however on my statement the charge is to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would think that the charge would be to XXXX XXXXXXXX XXXXXXXX XXXX and not XXXX XXXX XXXX XXXX I'm sure that this is somehow ethical.
Unfortunately, I have to file this complaint because PHH is refusing to listen to me. Why is PHH not listening to me, their customer? How is any of what I have mentioned ethical? I have repeatedly provided PHH with my hazard insurance information and PHH has blatantly and completely ignored me. Why am I stuck with this mortgage servicing company that from what I have experienced operates in an unethical manner?
I have provided multiple screenshots and copies of documents with information that has been whited-out not knowing what will be published online. I can provide originals for private viewing upon request.
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| 07/13/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By way of 17 packages forwarded by mail to New Jersey address, true copies of the envelopes are enclosed hereto as Exhibit A, XXXX XXXX XXXX XXXX XXXX XXXX c/o PHH Mortgage Services ( PHH ) : 1. Continued its practice of falsely addressing the Estate oXXXX XXXXXXXX XXXX XXXX as displayed on page one the communication dated XX/XX/XXXX enclosed hereto as Exhibit B when, at all relevant times, my husbands name was never XXXX XXXX XXXX and my husbands estate has no rights to the subject property by operation of N.J.S.A. 46:3-17.2 upon his death on XX/XX/XXXX.
2. On page two of said communication dated XX/XX/XXXX, XXXX XXXXXXXX and PHH falsely responded to my complaint regarding the XX/XX/XXXX trial modification for the subject account by enclosing an alleged denial letter from Litton Loan dated XX/XX/XXXX annexed hereto as Exhibit C, that is addressed to my already deceased husband ( as of XX/XX/XXXX ) and declares in relevant part that : you failed to properly endorse or notarize the original Loan Modification Agreement and / or return the required funds, and the time frame to complete the modification has expired.. I, however, aver that the foregoing letter constitutes mail fraud in violation of 18 U.S.C. section 1341 because : ( i ) I do not recall receiving any such communication from Litton Loan and hereby demand proof of mailing ; and ( ii ) the letter communications from my prior attorneys at XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX enclosed hereto as Exhibit C1 confirms communications with Litton Loan wherein the latter received my XX/XX/XXXX and XX/XX/XXXX trial modification payments along with an executed agreement as demanded by Litton Loan without any objections or refusals based upon an alleged lack of acknowledgment.
3. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH acknowledged the foreclosure action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the acceleration of the underlying mortgage loan because of non-payment for XX/XX/XXXX. A copy of the complaint filed the same day my husband died on XX/XX/XXXX under Docket No. XXXX XXXX and the voluntary dismissal of the action filed on XX/XX/XXXX are enclosed hereto as Exhibit D.
4. On page two of said communication dated XX/XX/XXXX after acknowledging the aforementioned action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX, XXXX XXXX and PHH proceeded by stating the subject account was referred to foreclosure on XX/XX/XXXX because the account was past due for the XX/XX/XXXX, which is a false and deceptive statement because : ( i ) as of the alleged foreclosure referral on XX/XX/XXXX, the subject account was already in an active foreclosure under Docket No. : XXXX wherein Litton Loan declared a default as of XX/XX/XXXX ; ( ii ) no payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( iii ) no payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iv ) I forwarded Litton Loan approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX, with Litton Loan cashing approximately {$16000.00}, true copies of which are enclosed hereto as Exhibit E.
5. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH proceeded by stating they are represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in Docket No. : XXXX wherein XXXX XXXX have yet to declare themselves to be counsel for XXXX XXXX and PHH in the aforementioned foreclosure action and neither XXXX XXXX or PHH are parties named in the aforementioned foreclosure action.
6. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH reference to an alleged Litton Loan Payment History and Ocwen Payment Reconciliation History ( PRH ) that are enclosed hereto as Exhibit F, both of which are defective and false upon : ( i ) the Litton Loan history is out of sequence, provides an incomplete history for dates in the year XXXX through begins XX/XX/XXXX, while omitting all payments of principal and interest that I made from the inception of the subject account through XX/XX/XXXX ; and ( ii ) the Ocwen history starts as of XX/XX/XXXX, while omitting all payments that I made from the inception of the subject account through XX/XX/XXXX.
7. On page three of said communication dated XX/XX/XXXX, XXXX XXXX and PHH falsely and deceptively declared that : As of the date of this letter, the account is past due for XX/XX/XXXX payment., which : ( i ) falsely implies that payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( ii ) falsely implies that payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iii ) conceals approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX that I forwarded to Litton Loan wherein approximately {$16000.00} of those payments were cashed ( See Exhibit E ).
8. XXXX XXXX and PHH enclosed with their communication dated XX/XX/XXXX, a note instrument certified to be a true copy of the original signed by my husband on XX/XX/XXXX in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the lender, wherein : ( i ) I aver that some authored and forged by husbands name, alleged signatures and initial displayed throughout the instrument ; and ( ii ) the instrument remains payable to XXXX XXXX XXXX without any indorsements. A copy of the un-indorsed not instrument forwarded to me by XXXX XXXX and PHH along with the Notice of Right to Cancel communication that follows the last page of the note instrument enclosed within the XX/XX/XXXX letter is annexed hereto as Exhibit G.
9. XXXX XXXX and PHH enclosed with their communication dated XX/XX/XXXX, an instrument titled CORPORATE ASSIGNMENT OF MORTGAGE annexed hereto as Exhibit H that is defective ( at best ) and a forgery ( at worst ) because : ( i ) XXXX XXXX XXXX, XXXX. as the alleged successor by merger to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX with an alleged address of XXXX XXXX XXXX XXXX, FL XXXX is misrepresented to be the assignor of my mortgage without any mention of a transfer of the note, and the alleged transfer would constitute tax fraud in violation of 26 U.S.C. 860 et seq. ; ( ii ) XXXX XXXX XXXX XXXX as the alleged successor in Interest to XXXX XXXX XXXX XXXX XXXX as the alleged successor by merger to XXXX XXXX XXXX as the alleged trustee for XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2007-NC1 under the alleged care of PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is falsely declared the assignee of my mortgage ( without any mention of a transfer of the note ) on XX/XX/XXXX, which further constitutes tax fraud in violation of 26 U.S.C. 860 et seq., and there is no proof of agency to ascertain PHH Mortgage Corporation was given a power of attorney from XXXX XXXX XXXX XXXX ; ( iii ) the alleged date of transfer on XX/XX/XXXX is after the foreclosure action under Docket No. : XXXX was commenced on XX/XX/XXXX ; ( iv ) the name and alleged signature of XXXX XXXX XXXX as the alleged Assistant Vice President for XXXX XXXXXXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX constitutes the crime of fictitious name in violation of 18 U.S.C. section 1342 and forgery because, at all relevant times, XXXX XXXX XXXX was employed by Ocwen and / or PHH along with the Florida Notary Public XXXX XXXX rendering the latters acknowledgement false.
Separate and aside from the foregoing false and deceptive statements, and false evidence enclosed within the XX/XX/XXXX communication from XXXX XXXXXXXX and PHH, the foregoing parties along with Attorneys XXXX continued to illegally demand monies using false and / or forged evidence for the subject account that became time barred under N.J.S.A. 12A:3-118, 2A:50-56.1 ( a ) and 2A:14-1 as of XX/XX/XXXX because of the acceleration pursuant to N.J.S.A. 46:9-6 as declared within the foreclosure complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX XXXX See Exhibit D ).
Furthermore, XXXX XXXX and PHH continue to deceptively ignore by not answer by request and demands by communication dated XX/XX/XXXX that is enclosed hereto as Exhibit XXXX and made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
Lastly, XXXX XXXX and PHH continue to document and prove their right to enforce and foreclose upon the subject account when XXXX XXXX XXXX was the original lender and became a bankruptcy debtor as of XX/XX/XXXX in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX ( KJC ).
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| 07/13/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By way of 17 packages forwarded by mail to New Jersey address, true copies of the envelopes are enclosed hereto as Exhibit A, XXXX XXXX ( XXXX XXXX ) c/o PHH Mortgage Services ( PHH ) : 1. Continued its practice of falsely addressing the Estate of XXXX XXXX XXXX as displayed on page one the communication dated XX/XX/XXXX enclosed hereto as Exhibit B when, at all relevant times, my husbands name was never XXXX XXXX XXXX and my husbands estate has no rights to the subject property by operation of N.J.S.A. 46:3-17.2 upon his death on XX/XX/XXXX.
2. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH falsely responded to my complaint regarding the XX/XX/XXXX trial modification for the subject account by enclosing an alleged denial letter from Litton Loan dated XX/XX/XXXX annexed hereto as Exhibit C, that is addressed to my already deceased husband ( as of XX/XX/XXXX ) and declares in relevant part that : you failed to properly endorse or notarize the original Loan Modification Agreement and / or return the required funds, and the time frame to complete the modification has expired.. I, however, aver that the foregoing letter constitutes mail fraud in violation of 18 U.S.C. section 1341 because : ( i ) I do not recall receiving any such communication from Litton Loan and hereby demand proof of mailing ; and ( ii ) the letter communications from my prior attorneys at XXXX XXXX XXXX XXXX, XXXX. ( Attorneys XXXX ) dated XX/XX/XXXX and XX/XX/XXXX enclosed hereto as Exhibit C1 confirms communications with Litton Loan wherein the latter received my XX/XX/XXXX and XX/XX/XXXX trial modification payments along with an executed agreement as demanded by Litton Loan without any objections or refusals based upon an alleged lack of acknowledgment.
3. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH acknowledged the foreclosure action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the acceleration of the underlying mortgage loan because of non-payment for XX/XX/XXXX. A copy of the complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the voluntary dismissal of the action filed on XX/XX/XXXX are enclosed hereto as Exhibit D.
4. On page two of said communication dated XX/XX/XXXX after acknowledging the aforementioned action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX, XXXX XXXX and PHH proceeded by stating the subject account was referred to foreclosure on XX/XX/XXXX because the account was past due for the XX/XX/XXXX, which is a false and deceptive statement because : ( i ) as of the alleged foreclosure referral on XX/XX/XXXX, the subject account was already in an active foreclosure under Docket No. : XXXX wherein Litton Loan declared a default as of XX/XX/XXXX ; ( ii ) no payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( iii ) no payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iv ) I forwarded Litton Loan approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX, with Litton Loan cashing approximately {$16000.00}, true copies of which are enclosed hereto as Exhibit E.
5. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH proceeded by stating they are represented by XXXX XXXX XXXX ( Attorneys XXXX ) in Docket No. : XXXX wherein Attorneys XXXX have yet to declare themselves to be counsel for XXXX XXXX and PHH in the aforementioned foreclosure action and neither XXXX XXXX or PHH are parties named in the aforementioned foreclosure action.
6. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH reference to an alleged Litton Loan Payment History and Ocwen Payment Reconciliation History ( XXXX ) that are enclosed hereto as Exhibit F, both of which are defective and false upon : ( i ) the Litton Loan history is out of sequence, provides an incomplete history for dates in the year XXXX through begins XX/XX/XXXX, while omitting all payments of principal and interest that I made from the inception of the subject account through XX/XX/XXXX ; and ( ii ) the Ocwen history starts as of XX/XX/XXXX, while omitting all payments that I made from the inception of the subject account through XX/XX/XXXX.
7. On page three of said communication dated XX/XX/XXXX, XXXX XXXX and PHH falsely and deceptively declared that : As of the date of this letter, the account is past due for XX/XX/XXXX payment., which : ( i ) falsely implies that payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( ii ) falsely implies that payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iii ) conceals approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX that I forwarded to Litton Loan wherein approximately {$16000.00} of those payments were cashed ( See Exhibit E ).
8. XXXX XXXX and PHH enclosed with their communication dated XX/XX/XXXX, a note instrument certified to be a true copy of the original signed by my husband on XX/XX/XXXX in favor of XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) as the lender, wherein : ( i ) I aver that some authored and forged by husbands name, alleged signatures and initial displayed throughout the instrument ; and ( ii ) the instrument remains payable to XXXX XXXX XXXX without any indorsements. A copy of the un-indorsed not instrument forwarded to me by XXXX XXXX and PHH along with the Notice of Right to Cancel communication that follows the last page of the note instrument enclosed within the XX/XX/XXXX letter is annexed hereto as Exhibit G.
9. XXXX XXXXXXXX and PHH enclosed with their communication dated XX/XX/XXXX, an instrument titled CORPORATE ASSIGNMENT OF MORTGAGE annexed hereto as Exhibit H that is defective ( at best ) and a forgery ( at worst ) because : ( i ) XXXX XXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. XXXX XXXX XXXX Bank, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX with an alleged address of XXXX XXXX XXXX XXXX, FL XXXX is misrepresented to be the assignor of my mortgage without any mention of a transfer of the note, and the alleged transfer would constitute tax fraud in violation of 26 U.S.C. 860 et seq. ; ( ii ) XXXX XXXX XXXX XXXX as the alleged successor in Interest to XXXX XXXX XXXX XXXX XXXX as the alleged successor by merger to XXXX XXXX XXXX as the alleged trustee for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX under the alleged care of PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is falsely declared the assignee of my mortgage ( without any mention of a transfer of the note ) on XX/XX/XXXX, which further constitutes tax fraud in violation of 26 U.S.C. 860 et seq., and there is no proof of agency to ascertain PHH Mortgage Corporation was given a power of attorney from XXXX XXXX XXXX XXXX ; ( iii ) the alleged date of transfer on XX/XX/XXXX is after the foreclosure action under Docket No. : XXXX was commenced on XX/XX/XXXX ; ( iv ) the name and alleged signature of XXXX XXXX XXXX as the alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX constitutes the crime of fictitious name in violation of 18 U.S.C. section 1342 and forgery because, at all relevant times, XXXX XXXX XXXX was employed by Ocwen and / or PHH along with the Florida Notary Public XXXX XXXX rendering the latters acknowledgement false.
Separate and aside from the foregoing false and deceptive statements, and false evidence enclosed within the XX/XX/XXXX communication from XXXX XXXX and PHH, the foregoing parties along with Attorneys XXXX continued to illegally demand monies using false and / or forged evidence for the subject account that became time barred under N.J.S.A. 12A:3-118, 2A:50-56.1 ( a ) and 2A:14-1 as of XX/XX/XXXX because of the acceleration pursuant to N.J.S.A. 46:9-6 as declared within the foreclosure complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX ( See Exhibit D ).
Furthermore, XXXX XXXX and PHH continue to deceptively ignore by not answer by request and demands by communication dated XX/XX/XXXX that is enclosed hereto as Exhibit I and made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
Lastly, XXXX XXXX and PHH continue to document and prove their right to enforce and foreclose upon the subject account when XXXX XXXX XXXX was the original lender and became a bankruptcy debtor as of XX/XX/XXXX in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX ( KJC ).
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| 07/13/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By way of 17 packages forwarded by mail to New Jersey address, true copies of the envelopes are enclosed hereto as Exhibit A, XXXX XXXX ( XXXX XXXX ) c/o PHH Mortgage Services ( PHH ) : 1. Continued its practice of falsely addressing the Estate of XXXX XXXX XXXX as displayed on page one the communication dated XX/XX/XXXX enclosed hereto as Exhibit B when, at all relevant times, my husbands name was never XXXX XXXX XXXX and my husbands estate has no rights to the subject property by operation of N.J.S.A. XXXX upon his death on XX/XX/XXXX.
2. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH falsely responded to my complaint regarding the XX/XX/XXXX trial modification for the subject account by enclosing an alleged denial letter from Litton Loan dated XX/XX/XXXX annexed hereto as Exhibit C, that is addressed to my already deceased husband ( as of XX/XX/XXXX ) and declares in relevant part that : you failed to properly endorse or notarize the original Loan Modification Agreement and / or return the required funds, and the time frame to complete the modification has expired.. I, however, aver that the foregoing letter constitutes mail fraud in violation of 18 U.S.C. section 1341 because : ( i ) I do not recall receiving any such communication from Litton Loan and hereby demand proof of mailing ; and ( ii ) the letter communications from my prior attorneys at XXXX XXXX XXXX XXXX, XXXX. ( Attorneys XXXX ) dated XX/XX/XXXX and XX/XX/XXXX enclosed hereto as Exhibit C1 confirms communications with Litton Loan wherein the latter received my XX/XX/XXXX and XX/XX/XXXX trial modification payments along with an executed agreement as demanded by Litton Loan without any objections or refusals based upon an alleged lack of acknowledgment.
3. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH acknowledged the foreclosure action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the acceleration of the underlying mortgage loan because of non-payment for XX/XX/XXXX. A copy of the complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the voluntary dismissal of the action filed on XX/XX/XXXX are enclosed hereto as Exhibit D.
4. On page two of said communication dated XX/XX/XXXX after acknowledging the aforementioned action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX, XXXX XXXX and PHH proceeded by stating the subject account was referred to foreclosure on XX/XX/XXXX because the account was past due for the XX/XX/XXXX, which is a false and deceptive statement because : ( i ) as of the alleged foreclosure referral on XX/XX/XXXX, the subject account was already in an active foreclosure under Docket No. : XXXX wherein Litton Loan declared a default as of XX/XX/XXXX ; ( ii ) no payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( iii ) no payments were made by me after my husbands death on XXXX for the months due XXXX through XXXX ; and ( iv ) I forwarded Litton Loan approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX, with Litton Loan cashing approximately {$16000.00}, true copies of which are enclosed hereto as Exhibit E.
5. On page two of said communication dated XX/XX/XXXX, XXXX XXXXXXXX and PHH proceeded by stating they are represented by XXXX XXXX XXXX XXXX Attorneys XXXX ) in Docket No. : XXXX wherein Attorneys XXXX have yet to declare themselves to be counsel for XXXX XXXX and PHH in the aforementioned foreclosure action and neither XXXX XXXX or PHH are parties named in the aforementioned foreclosure action.
6. On page two of said communication dated XX/XX/XXXX, XXXX XXXXXXXX and PHH reference to an alleged Litton Loan Payment History and Ocwen Payment Reconciliation History ( PRH ) that are enclosed hereto as Exhibit F, both of which are defective and false upon : ( i ) the Litton Loan history is out of sequence, provides an incomplete history for dates in the year XXXX through begins XX/XX/XXXX, while omitting all payments of principal and interest that I made from the inception of the subject account through XX/XX/XXXX ; and ( ii ) the Ocwen history starts as of XX/XX/XXXX, while omitting all payments that I made from the inception of the subject account through XX/XX/XXXX.
7. On page three of said communication dated XX/XX/XXXX, XXXX XXXXXXXX and PHH falsely and deceptively declared that : As of the date of this letter, the account is past due for XX/XX/XXXX payment., which : ( i ) falsely implies that payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( ii ) falsely implies that payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iii ) conceals approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX that I forwarded to Litton Loan wherein approximately {$16000.00} of those payments were cashed ( See Exhibit E ).
8. XXXX XXXXXXXX and PHH enclosed with their communication dated XX/XX/XXXX, a note instrument certified to be a true copy of the original signed by my husband on XX/XX/XXXX in favor of XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) as the lender, wherein : ( i ) I aver that some authored and forged by husbands name, alleged signatures and initial displayed throughout the instrument ; and ( ii ) the instrument remains payable to XXXX XXXX XXXX without any indorsements. A copy of the un-indorsed not instrument forwarded to me by XXXX XXXXXXXX and PHH along with the Notice of Right to Cancel communication that follows the last page of the note instrument enclosed within the XX/XX/XXXX letter is annexed hereto as Exhibit G.
9. XXXX XXXX and PHH enclosed with their communication dated XX/XX/XXXX, an instrument titled XXXX XXXX XXXX XXXX annexed hereto as Exhibit H that is defective ( at best ) and a forgery ( at worst ) because : ( i ) XXXX XXXXXXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. fka XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX with an alleged address of XXXX XXXX XXXX XXXX, FL XXXX is misrepresented to be the assignor of my mortgage without any mention of a transfer of the note, and the alleged transfer would constitute tax fraud in violation of 26 U.S.C. 860 et seq. ; ( ii ) XXXX XXXX XXXX XXXX as the alleged successor in Interest to XXXX XXXXXXXX XXXX XXXX XXXX as the alleged successor by merger to XXXX XXXX XXXX as the alleged trustee for XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2007-NC1 under the alleged care of PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is falsely declared the assignee of my mortgage ( without any mention of a transfer of the note ) on XX/XX/XXXX, which further constitutes tax fraud in violation of 26 U.S.C. 860 et seq., and there is no proof of agency to ascertain PHH Mortgage Corporation was given a power of attorney from XXXX XXXX XXXX XXXX ; ( iii ) the alleged date of transfer on XX/XX/XXXX is after the foreclosure action under Docket No. : XXXX was commenced on XX/XX/XXXX ; ( iv ) the name and alleged signature of XXXX XXXX XXXX as the alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. fka XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX constitutes the crime of fictitious name in violation of 18 U.S.C. section 1342 and forgery because, at all relevant times, XXXX XXXX XXXX was employed by Ocwen and / or PHH along with the Florida Notary Public XXXX XXXX rendering the latters acknowledgement false.
Separate and aside from the foregoing false and deceptive statements, and false evidence enclosed within the XX/XX/XXXX communication from XXXX XXXXXXXX and PHH, the foregoing parties along with XXXX XXXX continued to illegally demand monies using false and / or forged evidence for the subject account that became time barred under N.J.S.A. XXXX, XXXX ( a ) and XXXX as of XX/XX/XXXX because of the acceleration pursuant to N.J.S.A. XXXX as declared within the foreclosure complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX ( See Exhibit D ).
Furthermore, XXXX XXXX and PHH continue to deceptively ignore by not answer by request and demands by communication dated XX/XX/XXXX that is enclosed hereto as Exhibit XXXX and made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
Lastly, XXXX XXXX and PHH continue to document and prove their right to enforce and foreclose upon the subject account when XXXX XXXX XXXX was the original lender and became a bankruptcy debtor as of XX/XX/XXXX in the U.S. Bankruptcy Court for the District of Delaware under Case No. XXXX ( XXXX ).
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| 07/13/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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By way of 17 packages forwarded by mail to New Jersey address, true copies of the envelopes are enclosed hereto as Exhibit A, XXXX XXXX XXXX XXXX XXXX XXXX c/o PHH Mortgage Services ( PHH ) : 1. Continued its practice of falsely addressing the Estate of XXXX XXXX XXXX as displayed on page one the communication dated XX/XX/XXXX enclosed hereto as Exhibit B when, at all relevant times, my husbands name was never XXXX XXXX XXXX and my husbands estate has no rights to the subject property by operation of N.J.S.A. 46:3-17.2 upon his death on XX/XX/XXXX.
2. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH falsely responded to my complaint regarding the XX/XX/XXXX trial modification for the subject account by enclosing an alleged denial letter from Litton Loan dated XX/XX/XXXX annexed hereto as Exhibit C, that is addressed to my already deceased husband ( as of XX/XX/XXXX ) and declares in relevant part that : you failed to properly endorse or notarize the original Loan Modification Agreement and / or return the required funds, and the time frame to complete the modification has expired.. I, however, aver that the foregoing letter constitutes mail fraud in violation of 18 U.S.C. section 1341 because : ( i ) I do not recall receiving any such communication from Litton Loan and hereby demand proof of mailing ; and ( ii ) the letter communications from my prior attorneys at XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) dated XX/XX/XXXX and XX/XX/XXXX enclosed hereto as Exhibit C1 confirms communications with Litton Loan wherein the latter received my XX/XX/XXXX and XX/XX/XXXX trial modification payments along with an executed agreement as demanded by Litton Loan without any objections or refusals based upon an alleged lack of acknowledgment.
3. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH acknowledged the foreclosure action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the acceleration of the underlying mortgage loan because of non-payment for XX/XX/XXXX. A copy of the complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX and the voluntary dismissal of the action filed on XX/XX/XXXX are enclosed hereto as Exhibit D.
4. On page two of said communication dated XX/XX/XXXX after acknowledging the aforementioned action commenced by Litton Loan the same day my husband died on XX/XX/XXXX under Docket No. : XXXX, XXXX XXXX and PHH proceeded by stating the subject account was referred to foreclosure on XX/XX/XXXX because the account was past due for the XX/XX/XXXX, which is a false and deceptive statement because : ( i ) as of the alleged foreclosure referral on XX/XX/XXXX, the subject account was already in an active foreclosure under Docket No. : XXXX wherein Litton Loan declared a default as of XX/XX/XXXX ; ( ii ) no payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( iii ) no payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iv ) I forwarded Litton Loan approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX, with Litton Loan cashing approximately {$16000.00}, true copies of which are enclosed hereto as Exhibit E.
5. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH proceeded by stating they are represented by XXXX XXXX XXXX ( XXXX XXXX ) in Docket No. : XXXX wherein XXXX XXXX have yet to declare themselves to be counsel for XXXX XXXX and PHH in the aforementioned foreclosure action and neither XXXX XXXX or PHH are parties named in the aforementioned foreclosure action.
6. On page two of said communication dated XX/XX/XXXX, XXXX XXXX and PHH reference to an alleged Litton Loan Payment History and Ocwen Payment Reconciliation History ( PRH ) that are enclosed hereto as Exhibit F, both of which are defective and false upon : ( i ) the Litton Loan history is out of sequence, provides an incomplete history for dates in the year XXXX through begins XX/XX/XXXX, while omitting all payments of principal and interest that I made from the inception of the subject account through XX/XX/XXXX ; and ( ii ) the Ocwen history starts as of XX/XX/XXXX, while omitting all payments that I made from the inception of the subject account through XX/XX/XXXX.
7. On page three of said communication dated XX/XX/XXXX, XXXX XXXX and PHH falsely and deceptively declared that : As of the date of this letter, the account is past due for XX/XX/XXXX payment., which : ( i ) falsely implies that payments were made by my late husband and I for the months due XX/XX/XXXX through XX/XX/XXXX while my husband was still alive ; ( ii ) falsely implies that payments were made by me after my husbands death on XX/XX/XXXX for the months due XX/XX/XXXX through XX/XX/XXXX ; and ( iii ) conceals approximately {$21000.00} in mortgage payments for the months XX/XX/XXXX through XX/XX/XXXX that I forwarded to Litton Loan wherein approximately {$16000.00} of those payments were cashed ( See Exhibit E ).
8. XXXX XXXX and PHH enclosed with their communication dated XX/XX/XXXX, a note instrument certified to be a true copy of the original signed by my husband on XX/XX/XXXX in favor of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) as the lender, wherein : ( i ) I aver that some authored and forged by husbands name, alleged signatures and initial displayed throughout the instrument ; and ( ii ) the instrument remains payable to XXXX XXXX XXXX without any indorsements. A copy of the un-indorsed not instrument forwarded to me by XXXX XXXX and PHH along with the Notice of Right to Cancel communication that follows the last page of the note instrument enclosed within the XX/XX/XXXX letter is annexed hereto as Exhibit G.
9. XXXX XXXX and PHH enclosed with their communication dated XX/XX/XXXX, an instrument titled CORPORATE ASSIGNMENT OF MORTGAGE annexed hereto as Exhibit H that is defective ( at best ) and a forgery ( at worst ) because : ( i ) XXXX XXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX with an alleged address of XXXX XXXX XXXX XXXX, FL XXXX is misrepresented to be the assignor of my mortgage without any mention of a transfer of the note, and the alleged transfer would constitute tax fraud in violation of 26 U.S.C. 860 et seq. ; ( ii ) XXXX XXXX XXXX XXXX as the alleged successor in Interest to XXXX XXXX XXXX XXXX XXXX as the alleged successor by merger to XXXX XXXX XXXX as the alleged trustee for XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX under the alleged care of PHH Mortgage Corporation at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is falsely declared the assignee of my mortgage ( without any mention of a transfer of the note ) on XX/XX/XXXX, which further constitutes tax fraud in violation of 26 U.S.C. 860 et seq., and there is no proof of agency to ascertain PHH Mortgage Corporation was given a power of attorney from XXXX XXXX XXXX XXXX ; ( iii ) the alleged date of transfer on XX/XX/XXXX is after the foreclosure action under Docket No. : XXXX was commenced on XX/XX/XXXX ; ( iv ) the name and alleged signature of XXXX XXXX XXXX as the alleged Assistant Vice President for XXXX XXXX XXXX, XXXX. as the alleged successor by merger to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, as the alleged Trustee under a purported Pooling and Servicing Agreement dated as of XX/XX/XXXX, XXXX XXXX XXXX constitutes the crime of fictitious name in violation of 18 U.S.C. section 1342 and forgery because, at all relevant times, XXXX XXXX XXXX was employed by Ocwen and / or PHH along with the Florida Notary Public XXXX XXXX rendering the latters acknowledgement false.
Separate and aside from the foregoing false and deceptive statements, and false evidence enclosed within the XX/XX/XXXX communication from XXXX XXXX and PHH, the foregoing parties along with XXXX XXXX continued to illegally demand monies using false and / or forged evidence for the subject account that became time barred under N.J.S.A. 12A:3-118, 2A:50-56.1 ( a ) and 2A:14-1 as of XX/XX/XXXX because of the acceleration pursuant to N.J.S.A. 46:9-6 as declared within the foreclosure complaint filed the same day my husband died on XX/XX/XXXX under Docket No. : XXXX ( See Exhibit D ).
Furthermore, XXXX XXXX and PHH continue to deceptively ignore by not answer by request and demands by communication dated XX/XX/XXXX that is enclosed hereto as Exhibit I and made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
Lastly, XXXX XXXX and PHH continue to document and prove their right to enforce and foreclose upon the subject account when XXXX XXXX XXXX was the original lender and became a bankruptcy debtor as of XX/XX/XXXX in the U.S. Bankruptcy Court for the District of XXXX under Case No. XXXX ( KJC ).
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| 09/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Injustice for one Injustice for all. Throughout the past 12-13 yrs have resulted in an education misbelief and yet to be realized consequence and repercussion for each and every ( occasional ) unknowingly breach of the Mortgage Servicing, Banking blatantly negligent ( potentially ) criminal actions/behavior on behalf of XXXX XXXX XXXX XXXX, as Trustee, Ocwen, XXXX, XXXX, XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX that litigated immorally, ruthlessly, fraudulently, as well as underhandedly. They each and all had absolutely XXXX interest in adhering to the multiple " Settlement Agreements '' at all levels of regulation. The means with which they skirted/grossly negligent disregard for the Legal Process at both Federal District Case 13-cv-56, XXXX County Eviction Case XXXX as well as XXXX County XXXX which ultimately exposed in a completely way beyond coincidence meticulous, carefully orchestrated, mostly an elaborate exercise in everything we claim our Legal System has historically and traditionally managed to avoid maintain integrity, as well as, without question proven the system with no equal. Luckfully, I have experienced fabrication, fraud, corruption, and cover up at every aspect of the 7-8 year fiasco. Long Story Short ( proof in documentation ( all documentation provided by multiple Law Firms, Lawyers, paraded throughout with obviously less than legitimate statements and documents. An embarrassing testament to the lack of professionalism greed and behavior without consequence and repercussion. Fabricated, Fraudulent, Foreclosure under erroneous ownership. An obvious denial of resolution prior to End of Redemption. Documents filed materially contradicting and unquestionably incriminating many under the guise of redaction withholding of documents accepted actions that never would have even been considered ; once level of lack of integrity was established. Clearly the actions while beyond imagination prior to this financial meltdown, accepted pushed regrettably frequently without push back, without conscience, culminating with unimagined injustice. I have been attempting without any success, documenting, presenting -- - I will continue the efforts without regard for lack of regard from opposing counsel on behalf of aforementioned entities. While I hold out minimal hope expectation regarding any acceptance of aforementioned admittance of unfortunate reckless not to mention consequence and repercussion. The subsequent actions/behavior of opposition will encounter consequence and repercussion once they attempt to explain, justify, own their egregious, blatant, grossly negligent, corrupt/cover up. Lastly, an impossible task relating to balancing accounting for the unimaginable predicament they have created : balancing the potential " racketeering /laundering of funds through an off shore " stand-alone '' tax shelter, documents necessary to liquidate my former Property ( nearly 2 years ) that by actions of aforementioned have continued to incriminate themselves at an alarming as well as amazing extent. A deliberate, meticulous, lucrative, and mostly disgusting, process that has resulted at all and many levels in an embarrassment of the Banking Mortgage Legal Regulatory and lastly Internal Revenue Service. I wish to finally present all data documents ( not to mention ) exposing the oppositions repeated, continuos, and apparent expectation that they could outlast myself and coldly, hypocritically, without out credibility, the time has arrived -- -the exposing of the dastardly, concerted effort on many levels, will be detail by detail presented to the opposition at whichever means we ( cumulatively ) mutually agree. The regulators, the egregious insincere multiple " Settlement Agreements '', XXXX XXXX/ XXXX/ XXXX XXXX dba as XXXX/Ocwen 's /XXXX XXXX XXXX XXXX , as Trustee , /XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/Third Party entities among others unquestionable outrageous blatant disinterest grossly negligent actions behavior unbecoming their Profession must be held accountable, liable, responsible, in its entirety beyond any reasonable doubt as well as for the immediate future into the not so immediate future observed and monitored held to standards that they have ( to date ) accomplished much much more regretfully under the guise of insincere, haphazard, unapologetic, clearly intentions reflective of anything least of which claim to be their perceived intentions. Unabashedly continuing hoping someone will respectfully come to their senses exhibit an interest in owning taking liability responsibility for this travesty. The time for real sincere consequential responsibility is now and the sooner we mutually resolve and move on, the better. You have caused yourself as well as me enough pain actions unbecoming the industry and the longer the ordeal continues the more damaging it becomes on a plethora of levels. Finally respectfully with huge disappointment and sadness, that you will understand very quickly thoroughly and at a timeline that you truly possess the ability to confront own and resolve. The manner and pace of resolution will be yours to determine. Patiently without animosity as to the injustice you have caused me to accept. The means depth and breath to which you will continue to skirt ( bordering on ) actions behavior intent, resulting possibly in " criminal '' opposed to civil and regulatory infractions, may be determined by your forthcoming actions behavior, as you will realize you have already dug yourself a deep, ugly, quite less than unintentional, unknowing, and unrelenting. You were deceitful each and every aspect of the ordeal. A telling aspect to intentions as well as actions and past expectations ( in my humble ) opinion clearly and reflecting quite poorly on you and yours has been blatant grossly negligent, hypocritical, beyond strong arming / bullying, in my eyes a mutually offensive completely unacceptable toss up would be you and yours unwavering ignorance ( to date ) referencing dismissed with prejudice XXXX despite my repeated efforts during the last two months of Redemption Period, the conflicting documents that you and yours chose to reference and support your position. As obvious as it was and more obvious that it 's become, I welcome the opportunity to present to you the daunting, embarrassing, certainly, once you make the decision to honestly subjectively address the ordeal in it 's entirety. Determine the pros and cons on finally mutually agreeing on a resolution. Should you pursue litigation on any all of this fiasco, I assure you. I do not envy or want any part of what you and yours have created. I will and have absolutely XXXX interest in the fiasco seeing a ( any ) Court of Law. Should a resolution not be pursued on your behalf and with your best intentions, I promise you once you jeopardize that preferably quick thorough and mutually agreed resolution, should any semblance of a case appear to be inevitable. Each and all will be held liable and responsible. Each and every detail will be litigated from each and every angle. Again, without question and beyond reasonable doubt. The main memory I have from Judge XXXX was a reference to the only hope " I '' possessed at prevailing was in the accuracy, authenticity, lack there of, of those recorded documents Amongst many many other issues the authenticity of the replacement documents filed by your 6-7 Law Firm 16 months post eviction is indefensible. As is the actions/behavior skirting regulatory enforcement and the basis as to why I was unable to obtain " clear guaranty of title " in addition to the supporting documents ( your supporting documents ) the conflicting documents, The documents Ocwen produced in response to a " Written Request for Validation of Debt '' as well as the XX/XX/XXXX, XX/XX/XXXX foreclosure proceedings also address issues around erroneous ownership as well as to " beyond a reasonable doubt '' as to ownership and amount of land. Lastly, for purposes of this " limited '' but rock solid foundation I welcome the opportunity to present to you and subsequent attempt at mutual agreement and resolution. I will also have all necessary SEC filing ( s ) as " registered '' 30-45 days. I have unofficial documents ( and will have " certified '' also 30-45 days ) as to the value the adjoining property has been purchased for. Look forward to presenting supporting documentation supporting the failures through " modification attempts '' and subsequent embarrassment and violations to Servicing Standards and/or XX/XX/XXXX Mortgage Settlement. The simultaneous violations to the CFPB " Settlement Agreement ''. XXXX forced place insurance debacle. The " off shore '' tax shelter vehicle that first, explains run around from XXXX XXXX XXXX XXXX, as Trustee -- Ocwen -- XXXX triangle that could n't identify my loan. The shortcomings of your maintenance programs, the value of recently SOLD neighboring Property ( s ) will not suit the financial goals of the stand alone off shore entity, accompanied with three separate and nearly unmatchable payment history ( s ) as well as accounting affiliated with XX/XX/XXXX and XX/XX/XXXX Foreclosures that were resolved prior to actual Sheriffs Sale. Respectfully communication effort and respect
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| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In addition to moving ahead with the process of foreclosing on my property during a statewide freeze on Evictions and Foreclosures that is still in effect ( https : XXXX ) I believe my mortgage servicer, PHH Mortgage ( or XXXX XXXX XXXX ) is also violating several provisions of the California Home Owners Bill of Rights, and Fair Debt Collection Practices Act.
I have been preparing a list of these potential violations and tried to confront them over the phone about the rules they seem to be breaking, but I get no response from them and they continue moving forward with attempting to foreclose.
POSSIBLE HOME OWNERS BILL OF RIGHTS VIOLATIONS Notification of foreclosure-prevention options : Your servicer must try to contact you at least 30 days before starting the foreclosure process to discuss your financial situation and explore your options to avoid foreclosure. Your servicer can then start the foreclosure process by recording a notice of default in the county where your home is located, and will then send you a copy within 10 business days. Within 5 days of recording a notice of default, your servicer must generally give you information about options to avoid foreclosure that may be available. ( Civil Code sections 2923.55, 2924.9 ) I was never contacted by my servicer. I logged on to my online account to make a payment for XX/XX/XXXX on XX/XX/XXXX, but I was blocked from making payments thru the site and given a phone number to call. I called the number and spoke with somebody that claimed my account was blocked because my account was delinquent and that I owed around {$4100.00}. I was told that if I attempted to send a check for my payment for any amount less than the {$4100.00}, that it would be returned. I immediately said that I would like to dispute the amount she was telling me I owed because, in my estimation, theres no way it could be that much. Reviewing my available payment history on the servicers site, it looked like I had missed 2 payments ( each payment is under {$800.00}, so there was about a {$2500.00} difference between the amount I was told was past due and the amount I could verify on their site that I owe. At this point, I was asked if I would like to review my finances and see what my foreclosure prevention options are. I agreed and she began to interview me. After about 15 minutes, I was told that they were sending me an application packet in the mail that I needed to fill out and send back, but that it looked like I may qualify for a forbearance plan. I waited for the application to arrive, but it never did. Instead I received a NOTICE OF DEFAULT. This means that after going out of my way to contact my servicer, ask for help and spend 15 minutes going over my finances to qualify for some kind of foreclosure prevention option, my servicer went ahead and recorded a NOTICE OF DEFAULT anyway.
Guaranteed single point of contact : If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application. ( Civil Code section 2923.7 ) My so-called relationship manager and I have a definite language barrier. We had a very difficult time understanding each other and she had a super noisy phone line that made her sound like she was in a blizzard. We spoke only the one time I called ( when I was blocked from making my regular payment on XX/XX/XXXX ) and spent about an hour going over my finances with her and asking for help. I was promised I would get some forms in the mail to fill out for mortgage relief assistance that I never received. I have called her multiple times and been unable to reach her. The last time this happened, I decided to hold and wait for someone else to take my call because I needed answers about my application never arrivinand the NOTICE of DEFAULT that I received. The person I spoke with knew NOTHING about my situation and explained that they are not a relationship manager, but just trying their best to help me.
Acknowledgment of application : If you apply for a loan modification, your servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. ( Civil Code section 2924.10 ) SInce I did not receive the foreclosure prevention application I was promised, I went ahead and applied directly on my servicers website for a modification of my loan on XX/XX/XXXX. I have not received any response or acknowledgement for my application.
Restrictions on dual tracking : Your servicer must generally pause the foreclosure process while it is making a decision on your completed loan-modification application and until after it gives you time to appeal a denial. It also can not foreclose on you while you are complying with the terms of an approved loan modification, forbearance, repayment plan, or other foreclosure-prevention option. ( Civil Code sections 2923.6, 2924.11 ) After requesting help on XX/XX/XXXX and being promised that a foreclosure prevention application would arrive in the mail for me to fill out that never arrived. I went ahead and applied directly on my servicers website for a modification of my loan on XX/XX/XXXX. I have not received a response either, but I did receive a NOTICE OF DEFAULT postmarked on XX/XX/XXXX.
Denial rights : If your servicer denies your loan-modification application, it must state its reasons and identify other possible foreclosure-prevention options in writing. It must also give you a chance to appeal the denial. You may submit a new loan-modificati application if you have had a material change in your financial situation since the last application. ( Civil Code section 2923.6 ) If my load modification application from XX/XX/XXXX has been rejected, then the reason for its rejection has not been given to me.
I believe my servicer has also violated parts of the Fair Debt Collection Practices Act : Communication with third parties is prohibited : revealing or discussing the nature of debts with third parties ( other than the consumer 's spouse or attorney ) [ 24 ] ( Collection agencies are allowed to contact neighbors or co-workers but only to obtain location information ; .25 ] ) The NOTICE OF DEFAULT I received was also sent to my parents address for some strange reason. Neither of my parents are listed on or have anything to do with my mortgage. They dont own any part of the property in question, and I have SPECIFICALLY requested that they DO NOT CONTACT MY PARENTS last time they attempted to foreclose my property back in XXXX. I explained back then that the property they are trying to foreclose is my primary ( and only ) residence, so thats the only address they should ever send anything to. They apologized but now that they are trying to foreclose again, they are sending all of these sensitive documents to my parents once again. My father is XXXX and he has just recovered from XXXX and a bad case of XXXX that might have been caused by the XXXX. My father and I have the same name. So when the oversized envelope that contained my NOTICE OF DEFAULT arrived in his mailbox, he thought it was a letter for him, which he then opened. My mother told me that when he opened it and saw that it was a NOTICE OF DEFAULT, he nearly had a XXXX XXXX. When they figured out that it was intended for me, they both began to panic and I received a call from them. In short, if I had to choose a third party that I do not want ANY of my private financial information shared with ( whether the information is accurate or not ) it would definitely be my parents.
Without going into detail, sharing private financial information in general and sending them a copy of my NOTICE OF DEFAULT in particular has made my life and interactions with them a living XXXX. My servicer has no right to do this.
*Harassment?
I should also mention that the NOTICE OF DEFAULT that I received ( along with my parents ) did not arrive in my mailbox alone. The Notice is mailed as part of a 10+page packet in an oversized 8 x 12 envelope. This is common, Im sure. However, I received 17 of these oversized envelopes all postmarked and arrived on the same day. Im surprised they were able to all fit in my mailbox, but of course, this left no room for other mall that day. I first assumed that each of the 17 packets contained something unique, but I quickly discovered that they ALL CONTAINED THE EXACT SAME INFORMATION AND NOTICE OF DEFAULT. As we have already gone over, I believe the NOTICE OF DEFAULT should have never been sent to me in the first place ( and definitely not sent to my parents ), but they chose to send me 17 copies on the same day and mailed 2 copies to my parents. If not for the purpose of harassment, why send that many? Why inform my parents, who have nothing to do with this property about my alleged debt?
Wrong address appears on the NOTICE OF DEFAULT *The property address that appears on all 19 copies I have received of my THE NOTICE OF DEFAULT is incorrect.
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| 06/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please Note : The following complaint is meant to be publicly viewed with links included to show any and all attachments I submit with this complaint to the CFPB, by posted online for all to see. This environment with its reactive, not proactive, way of reporting fraud by submitting letters to an institution ( CFPB ) that merely funnels the complaint to the institution the complaint is on but chooses to not actually get involved in the process only favors these big banks, mortgage companies, and all others who have been and are committing fraud on the American public. It needs to come to an end. I am not playing their game. I am submitting this complaint as I will do all complaints, from a public computer. It needs to come across word for word from what I wrote and not intercepted so that my words and submission can be distorted in an effort to discredit me and keep me from exposing the fraud that I am knowledgeable of and of which I plan to 100 % share with the public.
Alright PHH Mortgage Services, I am now going to meticulously pick apart and show with explanation backed with factual evidence, the fraud you have been committing on the American public for well over 10+ years now from what I have been able to determine by the brief research I am able to do with the limited resources that I have. There is no way around what this is, 100 % blatant, in your face, no doubt about it, fraud, that you, along with many other fraudulent companies and institutions, have been committing on the American public and still are to this very day.
This is a HOMEOWNERS INSURANCE KICKBACK FRAUD SCHEME that I caught you in and that I was put through starting in XXXX when I filed a small claim against my homeowners insurance for water damage sustained from a clogged pipe that seeped into and ruined a portion of the carpet of the master bedroom in my home. XXXX XXXX ( complaint being submitted on them next ) sent a claims adjuster out to interview me where I was not just interviewed for the claim I was making, but was accessed for the fraud scheme I was about to be funneled in by you, PHH Mortgage Services, where you staged a default to my home loan through no fault of my own and illegally foreclosed and sold my home at auction on XXXX XXXX XXXX. The kickback that XXXX XXXX received for accessing me and delivering me up to you came in the form of increased premiums over the next 2 years by 200 % than what my premiums had been normally charged prior to being funneled into this fraud scheme. When making a claim against your homeowners insurance, the homeowner can expect their premiums to go up but not by 200 %! I believe the industry standard is, at most, 32-38 %, certainly not anywhere near 200 %. The actual evidence is what I show on attachment one to this complain. These are statements for XXXX XXXX, XXXX, & XXXX where you can see my premiums being raised by this substantial amount.
XXXX XXXX is liable and shows they are involved in the scheme by the actual invoices they sent to me that substantiate the increase premium amounts that are shown here on transaction history of the 3 statements received from PHH for XXXX of XXXX, XXXX & XXXX. I will submit the actual invoices sent by XXXX as attachments to the complaint I submit to the CFPB on them next. Here though, as previously stated, I attached a snapshot of the statements as proof and for the public to view at the following link : XXXX : XXXX! XXXX So heres what I need you, PHH Mortgage Services to answer : Since you went ahead and allowed this 200 % increase in premiums for my Homeowners Insurance as evident on the attached statements, do you consider this a valid increase after a homeowner makes a claim to their Homeowners Insurance?
If you agree this isnt a normal or valid increase in premiums ( as you should agree if werent for the fact you are involved in committing the same fraud and involved in the same scheme as XXXX is XXXX, than why was XXXX XXXX continuously used as my Homeowners Insurance in subsequent years after initial increase in XXXX?
Do you have anything to say about the HOMEOWNERS INSURANCE KICKBACK FRAUD SCHEME that you are involved in and have been involved in for the last 10+ years? How far back does this scheme go and can you list other homeowner insurance companies that are involved in it with you committing fraud on the American public, as well?
Please note this submission is also being forwarded to the FBI, the Attorney General, HUD Homes, XXXX XXXX and any other agencies responsible for regulating those operating within the mortgage industry that I feel fit to include at my discretion. This also may very well be used against you at some point in a court of law so by all means, please answer accordingly.
FYI the next complaint you will see shortly involves the 3 step method being used to stage the default of a homeowners home loan ( mine to be exact ) on which you need to answer for. The method being used is all pre dependent on a period of days no longer recognized by the system as assigned to any period or month at all once they are converted from days that once were read and attributed to a particular period or month. The way you mortgage servicers are doing this is by shortening the statement period from when a homeowner is on automatically withdrawal for their monthly mortgage payment where they receive each months statement on the XXXX of the month with payment due by the following XXXX to when a homeowner is on manual payment where the homeowner receives their statement each month a day after grace period or the XXXX of each month. Payment is still due by the following 1st, but the month this change takes effect, as long as the previous month has been paid by the home owner and satisfied, these first 16 days are no longer recognized by the system as they are no longer attributed or assigned to any month at all since the current months statement period gets shifted from the XXXX to the XXXX. So these 16 days are void, blacked out, in limbo and therefore there should be no activity at all during these days but of course, this is exactly where PHH Mortgage Services commits their fraud in.
They receive payment during these days ( XX/XX/XXXX ) no longer recognized by their system as will show on my XX/XX/XXXX statement, then convert my account from automatic to manual pay to shorten the statement period, and then purposely post the payment on a day that is still recognized by their system ( XX/XX/XXXX ) so that this fabricates a payment deficiency. The system recognizes payment is there as evident from the YTD amounts on the statement to be balanced with correct amount, but just doesnt know how the payment got there since it no longer recognizes XX/XX/XXXX, or the day payment was received. Then they purposely run escrow analysis on XX/XX/XXXX to covert the fabricated payment deficiency to an escrow deficiency so that they can use to on an upcoming month to lead the homeowner as to the reason their loan is in default spiraling fast forward into foreclosure. The reality is, it was all staged and the actual staged default date in the back ( XX/XX/XXXX ) where the system no longer recognizes where the current months payment was received, is the real reason for default all along and since it can never be satisfied no matter what once the auto to manual pay conversion takes place, the homeowner is doomed to fail no matter what he does to try and get his account current to save his house. This is how these mortgage servicers stage a default to a homeowners loan. This is how these mortgage services illegally foreclose and steal a homeowners home!
And I will gladly show this all with substantial evidence ( with links for the public to see what is attached and not just left for these fraudulent mortgage companies and servicers to view only ) included and detail step by step the process and method they use in the very next complaint submission to the CFPB. Stay tuned. Its going to be a good one!
To the American public : This will be and is a wake up call!
You need to check your notices and statements. If you were switched from automatic to manual pay by your mortgage servicer and it shortened the statement period, make sure there is no activity in the days that are no longer recognized by the mortgage servicers system. If there was activity, there is a high chance fraud was committed or is being committed on you where a default to your home loan is being staged or was staged and your house will be soon be in foreclosure to be sold at auction if it hasnt already gone through this fraudulent process, in which I am sorry to bring this news to you after the fact. Its a sore subject and will always be an open wound. I went through the whole process from beginning to end and know exactly how it feels.
BUT WE NEED TO STOP THESE FRAUDULENT MORTAGE COMPANIES AND/OR SERVICERS FROM COMMITTING THIS FRAUD ON THE AMERICAN PUBLIC AND TO US HOMEOWNERS ONCE AND FOR ALL. THE ONLY WAY TO DO THAT IS WAKE PEOPLE UP TO THE REALITY OF WHATS REALLY GOING ON AND TO WHATS BEING DONE TO US AT THE HANDS OF THESE FRAUDUENT SERVICERS.
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| 05/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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On XX/XX/XXXX, I hired Attorney XXXX XXXX XXXX to represent and defend me in a wrongful foreclosure and wrongful Eviction against XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX was negligent the entire course of the case. XXXX XXXX fail to present or argue anything that he had written in his complaint. This is what the defendant attorney had to say in her conclusion, plaintiff failed to state a single viable claim against Defendants.
My case was dismissed even though it had run from XXXX XXXX thru XXXX XXXX and had been set to go to trial XXXX XXXX, XXXX XXXX asked that the case be dismissed. He has never informed me that the case was dismissed. I called, email and nothing from XXXX XXXX or XXXX or the courts, even unto this day.
XXXX XXXX presented ten complaints in my case with exhibits A-G, out ten complaints four were violation of Civ. Codes but he never defended any of them. Out of all the conference meetings, there were only Demurrers by the defendants. In reading the court documents I saw that most of the time XXXX XXXX nor his assistant were there for the Conference meetings ; he or she would be on the phone.
Surplus money ; Attorney XXXX was hired to get my home back. I asked that the surplus not be file because I had been told if I get the surplus I could not fight for my home. However, I did sign to get the surplus in case I lost my home. XXXX XXXX applied for the surplus immediately and it was issued to him on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$340000.00} in my name. XXXX XXXX deposited the check and issued me a check in the amount of {$240000.00} and kept the balance of {$100000.00}. I believe according to CA law the pay to get a surplus is from XXXX to XXXX dollars. If you will notice there has not been a trial, not even a preliminary. He has not done.
I came in contact with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX headed up by XXXX XXXX who claimed they could help me with my foreclosure and they had the lawyers on hand and I hired XXXX XXXX XXXX XXXX XXXX XXXX. The Contingency Fee was signed under XXXX. XXXX See attached ) All my information was taken over the phone and a notary public came to my home to have everything notarized. I never met attorney XXXX XXXX, I asked to but never allowed to. I had very little contact with these groups. Mostly the XXXX was trying to get me in a reverse mortgage with what little money I had. XXXX & XXXX supposedly work together, it looks like XXXX XXXX runs the show. The XXXX was supposedly working to get you a place to live in case you lost your home while the XXXX is working to get your home back. As I look back, they both were working to get the surplus only. Once they got the surplus the game was over.
I paid this loan consistently on time without having late fees each month from XXXX XXXX until XXXX of XXXX when I was transferred to Ocwen Loan Servicing, LLC. I had the same consistency with Ocwen until XXXX of XXXX, when I ran out of money. I tried to get a modification three times and Ocwen refused me. Two of the modification were submitted to Ocwen by a foreclosure realtor and an attorney.
The case was filed XX/XX/XXXX. During the preliminary court I knew nothing that went on, XXXX XXXX never reached out nor XXXX XXXX. They did not give me the case number the only way I knew that the court was going my granddaughter and I went downtown to XXXX XXXX courts and she found the case number. We tracked the case on the internet and saw that it was mostly hearings on demurrers.
This is from the defendant document ; Ocwen serviced XXXX XXXX ' Loan on behalf of the beneficiary XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX MORTGAGE XXXX XXXX XXXX MORTGAGE PASSTHROUGH CERTIFICATES SERIES XXXX ( " XXXX XXXX This should not supersede my contract which was before this transaction. ( see attached ) This is what I found on the web ; ( I noticed that, on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the Company ) entered into a Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX the Pooling and Servicing Agreement ), by and among the Company, as depositor, XXXX Bank, XXXX. XXXX XXXX XXXX, as seller and servicer, and XXXX XXXX XXXX XXXX XXXX, as trustee ( the Trustee ), providing for the issuance of the Companys XXXX XXXX Mortgage XXXX XXXX XXXX ( the Issuing Entity ), Mortgage Pass-Through Certificates, XXXX XXXX ( the Certificates ). The Pooling and Servicing Agreement is annexed hereto as Exhibit 4.1 ) Pass-through certificates are fixed-income securities that represent an undivided interest in a pool of federally insured mortgages.
I had no knowledge that I was a was in a trust for XXXX Bank. When I was transferred into Ocwen I was not to be affect any term or condition of my mortgage contract. XXXX violated their contract with me by taking my loan and putting it in a trust with XXXX Bank. My loan with XXXX was prior to this pass-through certificate. My loan begins in XXXX and this pass-through begin in XXXX.
I was given notice of a foreclosure date for the sale of my property which was to be held on XX/XX/XXXX. I did not hear anything from any one whether it had been auctioned off until about two weeks, when a man name XXXX XXXX came to my door said he was representing a third-party group who brought my property, he would not give me the name of the party.
The property was supposedly have been foreclosed in CA XXXX but the deed was signed in Georgia on XX/XX/XXXX. According to CA law the deed must be signed in the county in which the property is located. This property is a duplex located in the state of California it is one house with two addresses on the same lot, two units.
It is my understanding once the bid has been accepted the payment is made on that day and the buyer claims the property at that time. If the property was foreclosure on XX/XX/XXXX why was not I notified immediately nothing was said to me until the deed was signed in Georgia? To this day I have not seem any document of the foreclosure.
On XX/XX/XXXX the harassment begun. XXXX XXXX, came to my home and told me that a third had-party had purchased my property and asked me what were my plans. I told him I had an attorney that was handling that, he asked why, I can get you a better attorney. He continued to talk until I told him I was not interested, then he left he went across the street and gave a card to gentleman name XXXX XXXX, I assumed he was his lawyer. XXXX wanted to give me XXXX XXXX dollars to move. I refused and told him to leave after about three times of leaving and coming back, he left for good. A little later XXXX came back with a locksmith to change the locks on the vacant unit. I told him if he did not leave, I would call the police so they left. Early the next morning he came back with the locksmith and changed the locks. He came without any permission or a sheriff, no official person had contacted me nor was I ever contracted. That same evening an old man, who look like he came off the street, came and blocked my driveway. He sat in his vehicle all day every day until someone let him inside of the unit. He moved in but still keep the driveway blocked. On the second day some young men came and parked behind the old man car. ( two cars blocking ) They got out of their car and begin to walk up and down the driveway laughing loud and drinking something in cups however they left in a few hours and never returned.
People were in and out of the unit all the time. For the next two months we are blocked and can not get out. This old man did everything he could think of to harass us. He went as far as letting off stink bombs.
We had to send out to get what we needed. If this was a true foreclosure why was this going on. All they had to do was to show me a true deed or had the sheriff come and put me out. Never did an official come out on their behalf. While all this is going, Im calling XXXX & XXXX for help, sometimes XXXX XXXXaralegal or someone in the office would give some advice but no one demanded that these people stop harassing us and leave.
NOTICE to vacate the property On XX/XX/XXXX, I get a notice to vacate the premises by XX/XX/XXXX. The notice was stamped in an office in XXXX XXXX. When I received this notice immediately went to that office where this notice was signed. I asked the officer on the desk did they send out notice to vacate. He said no, it is done at the office down the street or downtown XXXX XXXX. see attached The selling of the property and many deeds See many transactions while the case is still in court On the XXXX deed shows only one address XXXX XXXX XXXX is it legal to sell half of house in Ca? I looked up address for XXXX and it shows no property owners found?
My credit score was not affected in facts it has grown. According to XXXX, for borrowers with a good credit score, a foreclosure can drop your score by 100 points or more. If your credit score is excellent, a foreclosure could reduce your score by as much as 160 points. Typically, it will take three years or more of on-time payments to restore the credit score.
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| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is the email I submitted twice to my mortgage company. All names and personal info have been removed.
" To whom it may concern : Per the conversation on XX/XX/XXXX with a PHH Mortgage Services [ PHH ] representative, I am submitting the following documentation to cite an error on the side of PHH who has denied my application for assistance due to an existing lien.
- A copy of the notarized Certificate of Redemption for the property at [ residential address ], attesting that the account is current and free of liens.
- Furthermore, a copy of the Tax Statement for the property provided to me by the County Treasurer 's Office. They advise that if PHH has further questions regarding this matter in particular to please contact [ name ] ; a delinquent tax team member for a [ delinquent tax team member ] at [ phone number ] I am also providing an additionally requested document : - A copy of the cover and signature pages of the Declaration of Trust for the [ homeowner ] dated XX/XX/XXXX.
Since XX/XX/XXXX, I have attempted to seek assistance from PHH so that I may resume making regularly scheduled monthly payments, only to be met with endless obstacles, oftentimes contradictory policies and procedures, and yards of red tape from [ the mortgage company name ] directly. I will elaborate.
In XX/XX/XXXX I, [ representative for the homeowner ] took over managing finances for the aforementioned property. It was at that time that I was made aware that PHH had stopped taking automatic payments from [ the homeowner ]. When I contacted PHH to inquire as to why this had occurred, no representative or associate could give me an answer. The words they all used were, " I don't know. '' To my knowledge, there was no reason on [ the homeowner 's ] side of things that this should have occurred. To this day, PHH has failed to provide an answer to this question. Ultimately the last PHH rep I spoke with at the time advised me to begin manually paying the monthly mortgage payments and we would be fine. So that's what I did. Throughout the entire global pandemic up until XX/XX/XXXX when PHH notified us the account had defaulted. By this point in time, [ the homeowner ] had moved out of the residence and thus full financial responsibility for the house, including the mortgage, fell to me, as [ the homeowner 's ] income became dedicated to her new place of residence. I myself, had only been back working, after being unemployed for 445 days, for just under 3 months. And so I applied for Mortgage Assistance Due to Covid.
After months of waiting, finally in XX/XX/XXXX, I was approved for assistance and made 2 of the required 3 trial period payments which I was assured if I made would lock in the new mortgage rate. When it came time to make the 3rd payment in XX/XX/XXXX I called the automated system and was not allowed to pay. When I spoke with a [ the mortgage company name ] rep the next day, and I asked why I wasn't able to pay, they said they didn't know and would have to request clarification from another PHH department. During the time I waited to receive word, in the mail I received a new letter of approval. It gave a new amount I was to pay for 90 days that included a reduced mortgage rate but also an added amount to begin repayment to the escrow account that PHH had established. And so I contacted to confirm receipt of this letter. It was during this conversation with yet another PHH representative that I was told there was a second letter sent- a denial letter stating I was not approved for assistance- that was dated the exact same date as the new approval letter. I had not received the physical copy of this denial letter by the time of this conversation. So the PHH rep emailed me a copy while we were on the phone together. And when I asked the rep which of the documents was accurate, they said, " I don't know, '' and they were going to have to request clarification. After a few days I was finally able to get an answer. I was denied due to a " title issue. '' The PHH rep that I spoke to this time around couldn't tell me much more. They advised me to get in contact with the county treasurer 's office to inquire. This was baffling to me because in XX/XX/XXXX PHH had resolved the only lien on the property that existed and had since set up an escrow account to pay the property taxes directly to the county moving forward. So the " title issue '' that got me denied wasn't an issue at all.
To recap, In XXXX, PHH deemed me ineligible for Mortgage Assistance Due to Covid because the original missed payments occurred prior to the start of the pandemic. But my ability to pay was in fact compromised due to the pandemic, When I applied for non-Covid related assistance I was initially approved then blocked from completing my 90-day trial payments by PHH because of a title issue. An issue that never was because PHH themselves aided with the property taxes months beforehand yet had not procured documentation stating this. ( Ultimately, I had to track down and submit the paperwork to PHH. ) And PHH now renders me completely ineligible for Loan Modification because I failed to complete said 90-day trial period, which again, I would have, but I was blocked from doing so by [ the mortgage company name ]. I was denied a repayment plan due to missing documentation and a lien on the property. Yes, we are still talking about the same lien that was resolved by PHH in XX/XX/XXXX and that I sent proof of redemption of in XX/XX/XXXX. That I have attached to this email. And as of today, XX/XX/XXXX, I was informed that I am not eligible for other types of assistance because of the type of loan this is. Meanwhile, through the weeks and months of constant communication with PHH often at my own initiation, PHH has refused to accept any payments of any kind. So the amount I am behind has multiplied exponentially and continues to do so making it all but impossible to catch up in one lump sum payment. Had I been permitted to pay whilst awaiting clarifications and application decisions, and processing times for documentation submissions my amount due would be significantly lower.
All that said, it is still my goal to find a solution that satisfies both PHH whilst allowing [ the homeowner ] to maintain ownership of her property, as well allowing me, the now sole resident of the property, to resume monthly mortgage payments and ultimately stay in the home I grew up in.
I ask that PHH consider that their own web of actions, shortcomings with interdepartmental communications, and lack of communications with third parties has caused a chain of very avoidable events that has had a detrimental effect on a homeowner and their representative whom have done everything that has been asked for and maintained regular contact with PHH in their effort to do things the right way. Whose now only resident was truly severely impacted by the global pandemic, yet managed to make the mortgage payments every month throughout it, and would have continued to do so had the requested and needed aid rather then barriers been put forth by PHH Mortgage Services.
I ask that PHH reconsider my eligibility for assistance, modification, and any other programs that would result in getting this account current and back on track.
With deepest sincerity, Representative for the homeowner and primary resident at the property & The Homeowner '' On XX/XX/XXXX I spoke with another representative for the mortgage company and was advised that a letter of offer for payment deferral was being sent out. In XX/XX/XXXX I received said letter which was dated XX/XX/XXXX. It indeed said we had been approved for payment deferral. I called the mortgage company to confirm we wanted to accept the offer and was also placed on forbearance until XX/XX/XXXX in order to protect the account before we resumed payments on XX/XX/XXXX. Since then, I also submitted a small payment in XX/XX/XXXX, in an attempt to demonstrate a bit of good faith and overall intent to pay and thereby resolve this.
On XX/XX/XXXX, I called the mortgage company for a separate reason but then also wanted to double check that everything else was set to go. The agent assured me it was and we ended the call. Precisely 20 minutes after that the mortgage company called me to notify me that said letter of offer of payment deferral was sent in error ... that the account was still under review. So in fact, we were not safe or have a long-term resolution in sight.
For a year and 2 months, I have done everything I could, everything the mortgage company has asked of me to try and right this ship. The mortgage company has made mistake after mistake after mistake and I continue to look at losing my home. I'm exhausted and defeated. I want to get back on track. Where do I go from here?
**Below there is an option to upload document, etc... I have extensive documentation about everything that has happened from XXXX XXXX present and can provide that if/ when the time comes. For now, my resources are a bit limited so I'd need more time to get it all uploaded.
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| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Older American, Servicemember |
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hank you for your assistance. It is very much appreciated. I will try my best to make this succinct, but it has been a long and frustrating journey. I feel that it is necessary to give enough background so that the present situation is better understood. The property, where we live and wish to purchase is at XXXX XXXX XXXX XXXX XXXX , CT XXXX The house can be seen at XXXX by searching in XXXX , CT. Two yea rs ago, my husband and I sold the home where we had lived for 24 years here in XXXX . The house was large and contained most of our family history. It was a long and difficult process. It was physically and emotionally exhausting. I am XXXX XXXX XXXX , my husband is XXXX . Just prior to moving, XXXX had XXXX XXXX . We decided that, rather than buy another house when we were not yet sure where we would eventually move, we would be renters for a few years and have a chance to relax, not be burdened with homeowners responsibilities, and take our time to choose our next final move, buying a house or condo at that time. We found a suitable house in XXXX . We rented it a month and a half in advance, so we would be assured of our location and slowly moved in. The day after we had finally moved everything we owned into the house, the landlord sent us an email telling us not to worry if the bank put a sign in the front yard. The house was in the process of foreclosure. We were dumbstruck. Neither of the realtors knew about this. We felt that the lease had been signed under false pretenses. Had we known the true situation, we would never have signed the lease. From then on, we learned that the landlord had for many years been in bankruptcy and had a long list of dealings in court and other foreclosures. We spent time and money with lawyers, and in ou r Town H all , where they knew the landlord very well and felt sorry that we had to deal with him. We soon learned that the property had many code violations and was in far more disrepair than we knew. We spent much of our own money ( around {$8000.00} ) just making sure we could live in safety in the house. The landlord was uncooperative and sometimes threatening, but we paid our rent to him throughout. My husband 's health declined during this period. Finally, in XXXX , the landlord lost the house to foreclosure. Within days XXXX put a notice on our front door to offer cash for moving prior to eviction. We were in touch with XXXX in XXXX , XXXX . We told them that we wanted to make an offer on the house. They were supposed to contact us with the proper information but they did not. Finally they called again, offering a small amount of cash if we moved out within 30 days. Again we told them we wanted to make an offer, but they told us that the house was already in an online auction on a site called XXXX . We could bid if we wanted to. We are not good on tech matters. We had never even heard of an online auction. Close to this time, on XXXX XXXX , a marshal came to the house and served us with eviction papers. We were mortified. He very kindly explained the process and advised that we contact our attorney, which we did. Given our personal circumstances, buying the house seemed the right move. We know that the house will require subs tantial improvements an d the costs involved. We are willing to take this on, if the house can be purchased at a price that makes this feasible. The house has repeatedly been placed in an online auction on Hubzu. The terms for this purchase is CASH ONLY. We consulted our financial advisor an d the mortga ge director at t he bank. We are not wealthy people and live mostly on a fixed income, but it looked like we could manage this given the auction prices listed. Twice we have been the highest bidders in online auctions. Both times we were informed that the " reserve : price had not been met, though the reserve price is not disclosed, and we were not able to negotiate with the selle r, Ocwen. For some unknown reason, this reserve price is meant to remain a secret. Every employee at XXXX with whom I spoke said they are never given the reserve price. Each time, when the house comes back on auction, the price is continually reduced. It started, as I recall, at {$380000.00}, then {$360000.00}, then {$350000.00}, now {$330000.00}. We have placed bids of {$370000.00}, {$380000.00}, {$390000.00} and {$390000.00}. Most of the time, it appears that there are no other bidders. XXXX also attaches another fee at the rate of 4.5 % of the offered price. In XXXX article, I read that this is a fee for using XXXX , but XXXX is part of Ocwen. T he article suggested that this was an inflated fee, paying themselves more money and that XXXX charges 1.5 % on no n XXXX or Ocwen pro perties. For us, we must consider it as part of the price. Were this fee negotiable or lower, we could make a higher offer on the house. In the midst of all of this, we read some rather unsettling depictions of alleged malpractices at XXXX , XXXX suggesting that they have phantom or straw bidders to raise the prices. It looked that way to us on some of the auctions on this house. Still, they own the house, and for many reasons, among them my husband 's health issues, we have felt that staying here for at least a few more years is the right decision if we can only XXXX ALK to the Asset Manager or someone in charge. Countless hours have been spent in telephone conversation with XXXX and XXXX . I managed to reach someone at Ocwen but the person said that Ocwen does n't own the house, It i s owned by XXXX . It is all mysterious. At least XXXX very nice XXXX employees have tried to give us direct contact with th e Asset Manager who sets the reserve or sale price. Finally, we were advised to directly contact the listing agent, someon e Ocwen h as worked with for several years. XXXX XXXX XXXX was surprised that I was calling her myself and that my husband and I are both the occupants of the house as well as those making bids. Being as transparent and clear as possible, I explained our situation and its history. She suggested that I supply more information that she would pass on in a direct offer to t he Asset Manager . Following her direction, I spent many hours assembling information and costs for work we have already done on the house, on photographing the rotting pool deck next to the bare circle where an above ground pool had once set, and showing large quantities of debris and building materials the owner had left in the woods and on state land around the property. I also outlined the possible $ XXXX {$60000.00} of work needed to improve the house. I sent this to her along with our offer of {$390000.00}. The response back fro m Ocwen wa s a counter of {$460000.00}. We have no idea if the Asset Manager looked at the documents we sent to XXXX . We did not counter back at the time, stunned by the price, especially in light of the low price on the online auction and the clear need of costly repairs. I have, by the way, copies of the costs and photos and documents that were sent to XXXX XXXX XXXX . Sometimes it has felt as if they were just playing with us, not being serious about making a deal or bringing finality to the process. The auction pricing seems like a bait and switch operation, luring people into thinking the opening bid means something when it does not. Bidding again and again, when they have no intention of negotiating with you even if you have the highest bid but not telling you what the reserve price is. They simply put the house back on auction and at even lower opening bids. While we are in the house, the property can not be inspected or shown. So we, the occupants are a problem for them. On the other hand, we are maintaining the house and have averted several problems and damage had we not been here -- things like ice blocks and leaks.But we could also be the solution by buying the house, giving them a cash deal, and avoiding the need or cost of eviction. We had the unfortunate situation of an unknown foreclosure and felt like victims when dealing with the landlord. Now we feel again like victims in these dealing with XXXX Ocwen and XXXX . We would like to be able to buy the house at a reasonable and fair price, given all the work that is required. We believe that a move at this time would be hazardous to m y husband 's health. We feel that the manner in which Ocwen performs has been a source of enormous XXXX to both of us.
It seems that Ocwen and its other companies show little or no respect or re gard for those with whom they do business. There is no rhyme or reason that we can see. We hope that there will be some way you can see that will protect us and all the others who have dealt with these companies. We thank you sincerely for your attention to this probably too lengthy email. Please let us know if there are questions or if we can clarify any issues.
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| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Attached is the appeal I am sending to PHH for denial of a modification. Inside of this document are all of the facts that transpired. The amount per payment was {$1900.00}. Ocwen the previous servicer allowed 89 day rule meaning if you fell behind as long as you weren't 89 days it was acceptable to keep paying the one which I had been doing for a long time. Because a lump sum to catch up was required, I was waiting until the end of this year because a bonus is coming and a raise came in XX/XX/XXXX. Then PHH misled me and wouldn't allow me to make my regular payment claiming they had a 45 day rule which was never disclosed to me. This led into me applying for a modification I didn't want, and then they denied me. Seems quite fraudulent and a trap in my mind. I am appealing the decision and my letter is below. Because they are requiring a lump sum I must accumulate many checks to make that happen. I don't have access to additional funds. I am a single, divorced mother of one, who lives with me full time, and I receive no alimony. Honestly, there are many avenues of resolution and I need assistance because it is me against big business and need someone in my corner to explain to these people they misdirected me and are now trying to bully me by making me apply and then denying me. Please also note, my actual last name has been changed although no one will change it even though I have continuously supplied the documents. It is XXXX no longer XXXX. However, when I filled out the end of this submission to you, am putting XXXX to avoid confusion.
I am writing to appeal a letter I received on XX/XX/XXXX reflecting a denial for mortgage assistance regarding the home I have lived in for the last 19 years. I would like to take this opportunity to present the entire case of facts, not just the unsettling matters that have occurred over the last 60+ days ; in particular.
1. Notice of reaching the maximum number of modifications o It should be noted, that at no time was a forbearance option offered o I am unsure the number permitted however, as limits were never disclosed to me ; however, I have since been divorced and circumstances are different, never have I been modified under my own income and circumstances I have only modified repayment terms 2 times with my ex-husband.
o As I explained on the phone, I sustained flood damage in XX/XX/XXXX and lost many things, this includes some historical paperwork. I have requested payment history to which I still have not received, and would like copies of modifications on file since XXXX.
2. Notice of > 90 days delinquency o I have been making the monthly modification payments ( Under the last modified terms it had been configured for 2 incomes. Although I had complained at the time that I was a single income this modification was using 2 incomes, which was no longer as the divorce had occurred o I am still unable to access my own information and have yet to receive my request for payment history which still has not been sent to me and said could not be provided to me, beyond the last year which she confirmed all were paid, on the call to PHH on XX/XX/XXXX o Last payment was made on XX/XX/XXXX o I received an Intent to Foreclose XX/XX/XXXX ( dated XX/XX/XXXX ) stating I was 3 behind. ( Attached Intent to Foreclose ) This was not, nor never has been the case. Since I was consistently paying before the 89th day, and Ocwens terms allowed that, that means the payment I made XX/XX/XXXX took care of the XX/XX/XXXX payment. Now I was due for XX/XX/XXXX that I intended to make in XX/XX/XXXX, hence the call I made XX/XX/XXXX. Thats 2 payments owed, it cant be 3 until XX/XX/XXXX comes and nothing is paid. This was explained and confirmed by the agent on my call. Please see Activity Schedule ( attached. ).
o I placed a call with PHH on XX/XX/XXXX.
On this day, the most recent payment was less than 80 days late ; and I wanted to discuss my next payment the week of XX/XX/XXXX since the letter was confusing I was not requesting assistance I have requested this call be reviewed by PHH to prove my assertion that I was not requesting assistance 3. The lack of appropriate written notification where the terms in which Ocwen accepted payment was no longer being honored by the new servicer o No written notice received disclosing the 89 day rule no longer applied. On the call on XX/XX/XXXX the following took place : Agent XXXX advised me PHH goes by 45 days delinquency hence the letter Agent XXXX, advised me that I would be prohibited from making a single payment, as it would be returned.
I explained 2 payments by the end of XX/XX/XXXX was not possible Agent XXXX suggested several options and took me through a 2 hour interview for prequalification of mortgage assistance Agent XXXX told me I was prequalified for all options discussed I waited for the package.
o I promptly completed the package on time and emailed it on XX/XX/XXXX o I received confirmation on XX/XX/XXXX of receipt o I received notice of no receipt on XX/XX/XXXX o I received notice of completion and acceptance on XX/XX/XXXX o I called PHH on XX/XX/XXXX for a status.
o I was given the status of final stages and escrow analysis was in process o On XX/XX/XXXX, I received a denial letter dated XX/XX/XXXX ( a day prior to my verbal confirmation of final stages and escrow analysis o On XX/XX/XXXX I spoke with Agent XXXX.
o Agent XXXX informed me XXXX XXXX is the servicer holding the actual collateral documentation ( loan and modification packages ), and PHH is actually just the sub-servicer o Why is there New Rez on the denial letter on the top never was explained o No written notice has ever been provided of the servicing relationships ( Until XX/XX/XXXX ) o Agent XXXX stated I should have made the XX/XX/XXXX payment.
o Agent XXXX asked me if I could make 4 payments by the end of XX/XX/XXXX. I said no.
o Agent XXXX asked me if I could make 5 payments in XX/XX/XXXX, I said no.
o XXXX counter-offered Agent XXXX that I could 6 payments in XX/XX/XXXX by the end prior to XX/XX/XXXX and she said no.
o Agent XXXX stated the denial for the modification was due to modifying my loan with Ocwen prior to the servicing transfer PHH so the number of times is cumulative. I am unaware what this number is. Many of my records were lost in the flood in XX/XX/XXXX. I am only aware of 1 possibly 2 and have lived here 19 years and none under just myself since being divorced.
If PHH is my sub-servicer, then why am I not being held to XXXX modification criteria?
What are those criteria?
Are they more stringent or lenient ( as Ocwens was )?
o Before I could even finish this submission for appeal, I received yet another letter dated XX/XX/XXXX, from PHH now stating that XXXX XXXX is the owner of the loan and PHH is still servicing? And not on paper that had XXXX XXXX at the top. ( Attached Change of Bank Notification ) o XXXX XXXX was listed at the top of the the denial letter, however Agent XXXX said the bank was XXXX XXXX.
o What happened? I do not understand why my loan keeps transferring both bank and servicer now. Has this been sold as an REO Asset while Im still trying to remediate acceptable repayment terms? If so, the new letter does not indicate that ; but why else would another servicer be willing to purchase my loan unless they plan to sell it in REO? Why XXXX XXXX was on the denial letter on the top never was explained.
There are many options I can suggest that I think are reasonable and can benefit all parties : 1. Reconsideration of reinstating the existing modification although was developed for a 2 person income this is what I alone was paying for 2. A repayment plan with payments that would include extra per month to catch up those that are behind 3. A forbearance option to get back on track due to PHH misdirection of not allowing me to make the payment in XX/XX/XXXX on the schedule I had been 4. Establishing a new set of terms as the single person that I am, and have been for several years 5. Finally, although it would be putting an unnecessary hardship on me, I am willing to make 6 payments prior to XX/XX/XXXX as a last resort, should a new modification and/or forbearance not be offered.
The end goal is simple. I want to resume making my payments, remain in my home and move on with my life as a single parent, as this has been an ongoing saga with PHH for close to 3 months. This process has delayed me from paying as I had been, and I reiterate, I never was seeking any help at the time of the call on XX/XX/XXXX which put me where I am. My daughter is in her junior year of high school and knows no other place but this home. She lives with me full time.
I believe it is a fair representation to summarize this process as having serious flaws regarding communication and assistance. I strongly request reviews of the recorded calls from XX/XX/XXXX and XX/XX/XXXX.
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| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
Older American |
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*********************************************** THIS IS NOT A DUPLICATE COMPLAINT*************THIS IS NOT A DUPLICATE COMPLAINT **************** THIS IS NOT A DUPLICATE COMPLAINT ******************************* NEW COMPLAINT*******XX/XX/XXXX XXXX XXXX
*********************************************** This complaint was submitted XX/XX/XXXX. OCWEN CLOSED this Complaint # XXXX as a duplicate.
The complaint # XXXX was submitted XX/XX/XXXX expressing that it was not a duplicate.
Today XX/XX/XXXX, OCWEN closed this Complaint as well as a duplicate?
The CFPB says I have a right to be heard. The CFPB will provide an answer for me? I did not and do not have an answer to this complaint.
My concerns have not been addressed and remain unanswered. I have not received an answer to issues brought to OCWENS attention. I have not received a return call from XXXX XXXX XXXX after several attempts to reach him to make sure he knows what is going on because he is ultimately responsible.
There has been no thorough investigation, as no correction or solution has been provided. The COMPANY OCWEN, is not concerned or they would have fixed their problems and errors by now instead of being embattled with a customer.
Everything was completed, the name was changed from my deceased daughters estate to mine the recorded deed provided to OCWEN. Five actually five instead of three payments had been made while I was still calling the errors to OCWENS attention.
My concerns are how you maliciously responded to my concerns and outcry. I never gave you any indication that I had changed my mind that I did not want these changes as evidenced by the notorized signed documents once I finally received the paperwork after XX/XX/XXXX.
I provided the signed notarized final documents and you accepted it? I know how the modification process works. I know how the assumption process works.
This was a streamline process. Meaning you processed both transactions simultaneously. I know that.
OCWEN did this because of all the errors committed during this process.
What I dont know is how OCWEN thinks it is ok to do what they are attempting to do? I paid five payments? That is how I know it was not proceeding correctly. I called it to OCWENS attention and have been punished ever since.
OCWEN passing a loan to another lender in a foreclosure status vindictively.
There is no reason to contact OCWEN when you say you are standing on your position and lies and you think you are right when you continually lie and attempt to cover your tracks.
The modification as well as the assumption were completed simultaneously without a doubt. You can continue to respond, but until you respond with the truth, there is no response or resolution.
1. You were not in the process.
2. Everything modification and assumption were COMPLETED at the same time, simultaneously. dually processed, streamlined.
My concerns have not been addressed. I have not received a return call from XXXX XXXX XXXX after several attempts to reach him.
There has been no thorough investigation, as no correction or solution has been provided based on the true facts.
The COMPANY OCWEN is not concerned or they would have fixed their problems and errors by now instead of being embattled with a customer/consumer.
Everything was completed, the name was changed from my deceased daughters estate to mine and the recorded deed was provided to OCWEN.
It is not my fault that you did not disclose any terms of the loan other than the payment up front.
It is not my fault that I had to force and coerce an employee to give me information that should have been readily provided without request.
When an employee asked how do you know that? I knew then that OCWEN was hiding relavent information from me purposely. I also knew that this was not an isolated incident but an OCWEN PRACTICE.
Your lie that a supervisor gave me that information as a courtesy is not going to fly! The information was not properly and timely provided. It was not provided by a supervisor at all. Your response is ludicrous and a lie.
Five actually five instead of three payments had been made while I was still calling the errors to OCWENS attention.
My concerns are how you maliciously responded to my outcry. I never gave you any indication that I had changed my mind.
I provided the signed notarized final documents. I know how the modification process works. That is how I know it was not proceeding correctly. I called it to OCWENS attention and have been punished ever since.
The modification as well as the assumption were both completed. There is no question or doubt.
If your mission is to help homeowners what is going on? ANSWER REQUZiRED? You cant execute what you dont have. You did not send the final documents until I contacted you.
That was acknowledged by an OCWEN employee, and I never spoke with a supervisor as you allege. The employee I spoke with acknowledged that the documents WERE NEVER SENT, until I contacted OCWEN.
When they were finally sent I signed and had notorized and returned by mail and e-mail those documents.
We previously advised that in order to complete the assumption process, the account needed to be current? This was also a lie. I never had that discussion with anyone.
This is why the process was streamlined and done simultaneously. OCWEN continually made mistake after mistake which is why the process was being completed at the same time as the modification.
It took from XX/XX/XXXX to XX/XX/XXXX because OCWEN continually loss documents. OCWEN then sent the documents to the wrong party XX/XX/XXXX. My personal information was sent to someone else without my consent?
Both processes were completed simultaneously because I complained about the loss documents that were sent several times and claimed not to be received by OCWEN, and then finally found by OCWEN.
In addition to the process starting over and over it was an issue of time and your errors. So for the sake of time both processes were completed simultaneously.
If youre going to do an investigation and call it thorough do it right and tell the truth in regards to the finding. This had absolutely nothing to do with the account being current and there was no advising of such.
Let me reinterate, both the assumption and modification were completed simultaneously.
Nothing was ever closed as you state. If there is no record of that now, this needs is to be investigated as well.
Trial modification approved in XX/XX/XXXX? Was it approved or was it closed? Make up your mind since you so thoroughly investigated?
OCWEN as a servicer and its employees should be very well versed and informed of all laws and regulations involving the day to Day operations of your company.
I am well aware of the history of this loan which was transferred to OCWEN from GMAC Mortgage XX/XX/XXXX. There were problems upon transfer just as problems continue today with OCWEN.
Im not concerned about your belief. Any interpretation should come from your attorney. You clearly have gotten in over your head and pay grade. This was a loan that was being assumed which would be treated differently. It is not my responsibility to educate you on what you should know and believe.
As a customer I can only call things to your attention and trust that you are qualified enough in your job duties to know how to follow guidelines.
It is evident to me now more than ever that this is not the case. Eventually the courts will decide because you are entering realms for which you have no knowledge or proper understanding.
I reintegrate, I have no relationship with anyone but OCWEN until you clean up the mess you created. Either XXXX XXXX will step in and show what should have been done or the government authorities and the courts will do so.
If this complaint is CLOSED AS A DUPLICATE, for a third time I will let the public and other government agencies that govern and regulate OCWEN know that you have not only not followed the law, but have deliberately lied to the CFPB in regards to your errors.
You also returned my payments and threatened me for sending payments to you when these errors are all on OCWEN.
QWR ; I am also making a QWR for any and all documents for Loan Number XXXX from receipt of loan from GMAC Mortgage to present XX/XX/XXXX to include a complete and thorough payment history.
OCWEN alleged that the loan was in a late payment status when received from XXXX, it was not. There were errors from day one that were never followed up on and or corrected when requested.
THIS IS NOT A DUPLICATE COMPLAINT*******THIS IS NOT A DUPLICATE COMPLAINT**************************THISIS NOT A DUPLICATE COMPLATE****** **DO NOT CLOSE THIS COMPLAINT** Includes QWR Tuesday XX/XX/XXXX, XXXX XXXX
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| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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The first week of XX/XX/2020 I called into my mortgage company ( PHH Mortgage ) to gather information and steps about a re-cast process.
I worked with the same XXXX XXXXXXXX the entire process. She guided me through the process and worked with me hand in hand, step by step as a liaison between myself ( the consumer ) and the PHH " research department / investors. '' In the early beginning stage of applying for a re-cast, the XXXX ( PHH XXXX XXXXXXXX ) and I have all calls recorded for PHH mortgage service reference.
I had made it very clear that I was looking for my TOTAL MONTHLY mortgage payments each month with EVERYTHING INCLUDED to be {$1500.00} and {$1600.00} a month.
At that time we discussed all that goes into a monthly mortgage payment ( escrow, interest, principle, etc. ) The XXXX and I were on the same page, as I repeated myself on broken record that I want to pay between {$1500.00} and no more than {$1600.00} each month, in REPLACEMENT of the TOTAL MONTHLY mortgage payment I have now ( {$2300.00} ). I made it very very clear that I wanted my end recast results to make my total payment each month to go from {$2300.00} down to $ XXXX {$1600.00} each month TOTAL, coming out of my auto pay. There was no misunderstanding between myself and the XXXX or XXXX department.
The communication of my goals to recast and have a modification with PHH mortgage was clear between the XXXX and myself.
She sent emails to the research dep. at PHH mortgage on my behalf, inquiring before I applied for the recast with her ; " What lump sum would I need to put down on the principle, to ENSURE my NEW TOTAL MONTHLY mortgage payment WITH EVERYTHING included would be coming out of my account between {$1500.00}, and {$1600.00}. This is TOTAL, escrow and all fees, everything included. '' The language and communication was VERY clear between this XXXX and myself.
She was very professional and accurate all the way through the entire process with me.
She told me I needed to now wait for their response in a formal letter in the mail, and that it would arrive in 1-2 weeks. I waited for the letter and received it from the research department stating that " If I put {$40000.00} down on my principle for a re-cast, I would bring my total monthly mortgage payments down to $ XXXX {$1600.00} a month. '' I then followed the directions I was given ( also took notes in a notebook of mine the entire process she gave me to follow to ensure I was doing everything on my end properly and accurately ) contacted the XXXX regarding the statement, and she CONFIMRED on her end that the escalations department replied to her in email as well, stating that {$40000.00} down on my principle would bring my TOTAL MONTHLY mortgage payment coming out of my account each month down to the amount specified above.
I was given steps to take after this to request the recast. I was guided to email the research department ( as did the PHH XXXX on my behalf ), and then to wire the {$400000.00} to a financial institution in NY.
I drove to my bank, paid {$35.00} to wire the recast sum on XX/XX/2020, paid another additional fee of {$50.00} for them to " receive the money '' on their end.
The communication with myself and the PHH mortgage XXXX ( as well as a few other XXXX ) was on a weekly basis.
I repeated my goals and what I was looking to do ( over and over ) to ENSURE there was no room for the research dep. to mess things up.
Well, they did anyway.
They communicated with the XXXX I worked with, as well as the supervisor in the XXXX XXXX. at the tail end.
They received the money, and then sent me a final signature document in the mail requiring a notary stating that I will agree to the NEW modification amount of {$2100.00} each month, as result of this of the re-cast.
WE DID NOT AGREE OR GO THROUGH THIS ENTIRE PROCES FOR MY TOTAL MONTHLY MORTGAGE payments to come out at {$2100.00} ( only {$200.00} less than what I pay now, after paying {$40000.00} on the principle ) and starting this entire Re-cast process by ASKING THEM what they want/need to make the total monthly payments **with everything ( escrow, interest, ALL ) included to be $ XXXX {$1600.00}! ** All the escalations managers I spoke with ALL AGREED with me that the communication with them, and with them to the research department was done correctly, and it was clearly communicated on both ends. They as a department agreed that they did everything correctly under policy of the company, and this outcome should not be happening, and they are very sorry and will appeal on my behalf and escalate this to the Supervisor. The XXXX XXXX then also advocated for me for to be corrected, to the right amount we worked on together as a team and agreed on.
I see why PHH mortgage is a widely hated company and I want justice for myself and everyone else who is being lied to and taken advantage of.
This is absolute fraud. The XXXX also apologized to me on behalf of their research dep. and had all agreed that what was being done to me was wrong. Its fraud.
This triggered me to do research on this company that I did not choose, but was sold off to by XXXX XXXX. This PHH Mortgage company that has been around for 30 years has a D rating with the XXXX, has had 3 lawsuits by the Attorney Generals in 3 states in the last 2 years ; CA, FL, and GA for the SAME fraudulent UNETHICAL lying business practices they did to me during my recast request.
The XXXX I worked with did everything correct, was professional, and followed company policy and followed through with all communications on my end and on the end of the research dep.
This should NOT have happened. I did everything in my power to make sure I followed instructions and communicated clearly to get the end result of $ XXXX $ XXXX monthly mortgage each month. I am a single mom who has really been struggling with a XXXX son with no support. My father passed away unexpectedly and this money I put on my principle was supposed to be a GIFT from him! An honest man of integrity. This was supposed to be a BLESSING to HELP us during a time I desperately needed my mortgage payment to be lower and I DID EVERYTHING I WAS ASKED TO SAME DAY I WAS ASKED. PHH mortgage is a terrible awful group of investors and research department hurting innocent people and lives. They are fraudulent, uncaring, liars and a bad group of people the world could do without!
Its too easy to follow through and DO THE RIGHT THING. DO WHAT YOU SAY AND PROMISE YOU WILL DO. I was raised to do the right thing in life. PHH mortgage lies and scams people who are already hurting. I hope this complaint gets sent to ALL the nefarious, greedy, fraudulent investors at PHH mortgage.
The XXXX Department is a wonderful group who genuinely cares about the consumers they service. Each XXXX XXXXXXXX I spoke with throughout the process had genuine empathy for me and the situation and apologized on behalf of the research dep. mistakes/errors. The XXXX I worked with set at least 2 appeals on my behalf and involved her supervisor to help make the research dep/investors follow through with ethical and honest business practices, but they still refused. Instead all the XXXX was able to do as a result of this fraud and failed appeals by her and the escalations supervisor, is refund me the re-cast amount of {$40000.00}. I also firmly insisted they repay the {$85.00} of transfer fees I had to pay.
I have received the {$40000.00} back, but have not received the {$85.00} yet. It has apparently been mailed to me.
This company should not be in business and needs to be reported for their FRAUD in the state of WA ( similarly like they have been for CA, GA, and FL ).
I wasted so much of my time, money, energy to have it all come back to me as fraud.
Please contact me for more details as I have notes, time stamped, and the official recast letter they sent me asserting " If I paid {$40000.00} my total monthly mortgage payment with everything included would be $ XXXX {$1600.00} ''. They have lied to their own escalations department, made a fool of them as well as me. Their own Escalations department feels very sorry this was done to me, and AGREES this should not have happened, and it is wrong.
Red flags all over this company for years and still holds true today.
I am pursuing further action and would appreciate the attorney general for the state of WA to help us consumers who do not have a voice in this fraudulent malpractice mortgage company.
WE need your help! This issue needs attention and legal action taken.
Protect innocent consumers and may justice be served on those who seek to hurt others for their own personal financial gain.
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| 12/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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CFPB Complaint We request that Ocwen Loan Servicing answers the following questions pertaining to Ocwen Loan Servicing name being on the investor title insurance policy issued by XXXX XXXX XXXX.
1-Why is Ocwen Loan Servicing name on the investors title insurance policy?
2- Did Ocwen request XXXX XXXX XXXX to change the investors name from XXXX XXXX XXXX ( our original lender ) to Ocwen Loan Servicing?
3- Is Ocwen aware that by law, Ocwen must show proof of ownership of the mortgage loan/asset prior to having XXXX XXXX XXXX put Ocwen on the title insurance policy as the investor?
4- Is Ocwen aware that XXXX XXXX reflects that the title insurance policy is for the investor only?
5- Is Ocwen aware that XXXX XXXX website clearly reflects that the title to a piece of property is the evidence that the owner is in lawful possession of that property?
6- Is Ocwen aware that our mortgage loan/asset was sold by XXXX XXXX to another investor per bankruptcy, court order in order to pay their debts?
7- Is Ocwen aware that the new investor does not need to be a member of XXXX XXXX nor do they need to obey by the membership rules since they may or may not be members?
8- Is Ocwen aware that on XX/XX/XXXX, we signed a disclosure statement at the time of closing that XXXX XXXX in named on the mortgage for XXXX XXXX XXXX but reflects that XXXX XXXX is NOT our lender?
9- Is Ocwen aware, when an asset is transferred or sold without the permission of the current investor, it is unlawful?
10- Is Ocwen aware that when a servicer, trustee or the nominee ( XXXX XXXX ) sells or transfers an asset without authorization from the current investor, it is considered defrauding an investor?
11- Does Ocwen and their counsel understand that this is NOT about our NOTE or DEED OF TRUST that was signed by us? What matters if any laws have been violated and who violated these laws! What matters is if our rights were violated at any given time? What matters is who caused the fraud, which caused us mental and emotional damage from XX/XX/XXXX to present!
12- Is Ocwen aware that in XX/XX/XXXX, we contacted HAMP and notified them of our letter sent to Ocwen along with Ocwens response?
13- Is Ocwen aware that HAMP stated that if Ocwen tries to foreclose on us, to call HAMP back and notify them of what is occurring?
14- Is Ocwen aware that we have NO Trespassing signs with cameras on our property which is located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX and by Nevada Law , anyone caught on this property without authorization from the property owner is in violation of Nevada law and will be subjected to prosecution?
Now, brief explanation what has occurred. In XX/XX/XXXX, I wrote two letters to Ocwen Loan Servicing. One letter was regarding Ocwen updating all the credit bureau inaccuracies which we sent by proof of mailing. The second letter sent to Ocwen was regarding me being XXXX XXXX XXXX through the federal government. I notified Ocwen that if the government shuts down for any reason, I would not get paid and we would not be able to pay our home mortgage until the government starts sending my benefits to us. If this occurred, this would not be any fault of ours! I also notified Ocwen that if they tried to foreclose on us in the future, we request to go to foreclosure mediation to request that the Original Note and the Original Deed of Trust is presented to mediation. By challenging a securitization mortgage, if the servicer does not have the original note and the original deed of trust, they can not foreclose on our HAMP modification agreement per HAMP and XXXX XXXX! Both the original documents must be present in order to enforce our HAMP modification agreement ( per HAMP ). Now, on XX/XX/XXXX, we received a large package that had a cover letter dated XX/XX/XXXX which states ; enclosed is the copy of the document you requested. Now, the documents that Ocwen sent us was ; a modification agreement with XXXX XXXX dated XX/XX/XXXX, the Deed of Trust dated XX/XX/XXXX, the Note dated XX/XX/XXXX along with title insurance document ( mortgage priority guarantee plus ). NOTE : we did NOT request these documents! Ocwen and their counsel are providing these documents to reflect that we signed the original note and the original deed of trust, reflecting that we agreed upon the conditions within these documents! Now, it is my understanding that under Nevada law, Ocwen is required to prove ownership of our loan/asset in order to be on the title insurance policy! In XX/XX/XXXX, we signed our note and our deed of trust at XXXX XXXX XXXX in XXXX Nevada and our lender was XXXX XXXX XXXX. Since XXXX XXXX XXXX went bankruptcy in XX/XX/XXXX in XXXX Delaware, they are now not the investor. Per documentation that is in our possession, XXXX XXXX purchased our loan from XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX stated in writing that they placed our loan/asset into a pool of trust known as XXXX XXXX XXXX XXXX XXXX. Then, XXXX XXXX XXXX which was owned by XXXX XXXX sold our loan to XXXX XXXX, per our modification agreement. In XX/XX/XXXX, XXXX XXXX and all their affiliates went bankruptcy in XXXX Delaware, was ordered by the court to sell all their assets to pay their debts. XXXX XXXX then closed their business! This means that XXXX is not the current investor anymore! This means that there is another investor and most likely not a member of XXXX XXXX which means that the investor does not need to obey by XXXX XXXX membership rules. This means that XXXX XXXX unlawfully had Ocwen Loan Servicing create a transfer of Deed of Trust to the trustee, XXXX XXXX XXXX in XX/XX/XXXX without the permission of the new investor which is unlawful! We then sent multiple letters to XXXX, requesting an un-broken chain of assignments from our original lender, XXXX XXXX XXXX to present. As of today, we have not received anything from XXXX. It appears that XXXX never tracked our mortgage as required by the agreement between XXXX and all their clients such as XXXX XXXX XXXX.
Per our original mortgage paperwork that we signed at XXXX XXXX XXXX in XX/XX/XXXX, there is a disclosure statement about XXXX which states ; XXXX is a company separate from your lender that operates an electronic tracking system for mortgage rights. XXXX is NOT your lender ; it is a company that provides an alternative means of registering the mortgage lien in the public records. This means that XXXX was supposed to maintain assignments from one investor to another. Furthermore ; this document clearly reflects that XXXX is NOT the investor and XXXX XXXX XXXX did NOT grant XXXX any power to sell or transfer our mortgage loan/asset to anyone, at anytime!
With that being said, our loan can not legally be sold or transferred to Ocwen Loan Servicing or to XXXX XXXX XXXX without the current investors permission! By selling or transferring a loan/asset that belongs to another investor without permission is un-lawful. Furthermore ; the agreement between XXXX XXXX XXXX and XXXX must be considered null and void since XXXX XXXX never created a chain of assignments from XXXX XXXX XXXX to present as they were supposed to do by tracking each loan when they were sold or transferred! I wonder if this would be considered a breach of contract between XXXX XXXX and XXXX XXXX XXXX! Furthermore ; this complaint serves as notice to Ocwen Loan Servicing that Ocwen Loan Servicing, any person or company are NOT authorized on our property at anytime! This complaint also serves as notice that we exercise our rights to have any and all future foreclosure documents be delivered to us properly ( served in hand ) and that we will go to foreclosure mediation requesting the original note and the original deed of trust present in court, in order to enforce the HAMP modification! We also exercise our rights to have a document examiner present in court, in order to verify the documents authenticity!
We request that Ocwen Loan Servicing and/or Ocwens counsel must answer all of our questions above truthfully and under penalty of perjury. As you well know, perjury to a federal or state agency that has an open complaint/investigation is against the law! We request a full investigation into this matter by federal and state agencies. If any laws were violated, all parties that violated our laws must be held accountable for their actions! Due to the fraud that has occurred all parties involved with our mortgage loan/asset have caused us unnecessary pain and suffering, mental and emotional damage from XX/XX/XXXX to present, which we will request compensation in court! Please see the supporting documents within the document section!
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| 05/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XXXX XXXX I was being sued for foreclosure. Before summary judgement I was offered a modification that gave me the house at a new price of XXXX dollars. Before I continue both the first and second mortgage aare owned or in my case managed by XXXX . This according to them was fair market value. This was also 50 % or so in principal reduction. I asked what about my second mortgage. The Ocwen agent told me that it would go away. I thought because I had a lawyer representing me that this was all in writing somewhere. Ocwen did tell me that they had nothing to do with second mortgage which is a lie. I have documentation that shows that they have master servicing rights. There is a collection agreement between American Home Mortgage and XXXX XXXX XXXX on my second which entitles XXXX XXXX to collect on this loan. American Home was purchased by Ocwen. Fa st forward to XXXX and I noticed I never received any information or anything on my second mortgage. I was also still getting calls from XXXX XXXX on this debt. During my conversations with XXXX XXXX I was being bullied and harassed. I was also told to write a letter to the research department. In response to my letter, which asked who owns my loan and who has master servicing rights, I received a documentation that shows that XXXX XXXX is working for Ocwen. I called Ocwen and they denied denied denied. They even refused to allow me to send them the collection agreement as proof. It got so bad I had to file an FTC complaint against XXXX XXXX . As a result of this complaint they stopped collection activity and took the loan off my credit report. During this process I spoke to XXXX in NY. I spoke to a XXXX who told me that they manage a fund that my mortgages are securitized with a bunch of others and that no one knows who ultimately owns it. She did say that my second mortgage was charged off their books and that they could not help me even though they hired these collection agents. She told me she did call XXXX XXXX but that they refused to speak to her and she gave up because its not in their interest to help me, in my opinion. I wrote a letter in XXXX to XXXX XXXX asking one simple question, Do I owe the money since I believe that I do not because of the modification. They responded with the most vague answer possible. I sent a letter again asking the same question and for clarification because I did not understand. They answered in exactly the same way which was, XXXX removed my account from active collections and the removed it from the credit reports. Not exactly an answer. However, I was so stressed out and tired of them that I took this to mean I did not owe it anymore. Everything was fine until XXXX of XXXX . I tried to sell my house. Before doing so I did a title search which did not show anything on my second. As soon as the house was listed and I had the home under contract the title search turned up my original note with the second still there. When I called XXXX XXXX they told me that I needed to cal l Ocwen because they were not actively collecting on this loan and that my letter from them did not mean that I did not owe the money. So we are clear, my second was charged off the Bank, Ocwen, and Real time. Their internal records show this. I called Ocwen a nd they denied my claims and XXXX XXXX claims that they work for Ocwen. They again refused to take my proof. I finally was issued a rep for my case by Ocwen, XXXX XXXX . At first he denied my claims and pretty much refused to help until I got on XXXX and expressed my opinion on their company. The next day XXXX XXXX called me and had a different attitude. He claimed he did more research and that a company called Litton forwarded the collection activity to XXXX XXXX . XXXX said this happened before Ocwen purchased Litton so that Ocwen has nothing to do with it. However he said he was going to help me out anyways whic h to me is a red flag. Why would they help if they have nothing to do with it. I told XXXX I needed my lien released and a satisfaction of mortgaged filed with the clerk. He claimed to be working to this end. XXXX and I spoke to XXXX XXXX many times to try and get someone who was in authority to resolve this. XXXX XXXX kept giving us the run around until they finally gave me an email address to client services. This had to be giving twice because the first email was not valid or not receiving our emails. XXXX claimed to be asking for a lien release but his first email to them according to XXXX XXXX was asking for how much money to settle the debt basically which is not what i discussed with him. This type of activity went back and forth for a few weeks. XXXX at Ocwen would tell me one thi ng and when I called Real Time I was told other things By XXXX or his supervisor. XXXX XXXX always maintained however that they would not release this lien unless the full amount was payed. On XXXX XXXX XXXX from Ocwen called me and told me that XXXX XXXX agreed to release the Lien. I asked for everything in writing. Now in my mind form the conversation that I had with XXXX telling him I wanted the lien released and a satisfaction filled I thought this was the result. I asked if this was the case and he said yes he believed so and that was what he was working towards with them as he and I discussed. I called XXXX XXXX to confirm and as I suspected it was all a lie. XXXX XXXX would only issue a 3rd party release for the full amount owed. I called XXXX and informed him. I called XXXX XXXX again and spoke to XXXX . He read the email that XXXX sent and told me that XXXX XXXX would only release for fulll amount. A few days later on the XXXX XXXX called and informed me that XXXX XXXX would release the lien but that I still owed the money and that a XXXX would be issued. This is not what I asked for. I called XXXX XXXX and they do not show to this day any of that on their system. They do not show that they will release or that they will issue a XXXX . No one is returning my calls from either company. I did speak to a low level rep that read to me the internal notes were XXXX XXXX supervisors stated to XXXX XXXX at Ocwen that the proceeds from the house sale should not go to me and that they should go to them and Ocwen. T his is like vultures waiting for a corpse to die. The way I see it is my original loan was an XXXX for XXXX dollars. the same bank loaned me the money to purchase this house. During the crash of XXXX I like many Americans had problems paying. I was offered a modification that reduced my principal to XXXX dollars which was fair market value. However they lied and in hopes of a payout later they held my second in the shadows. This is deceptive and criminal in my opinion. Companies like Ocwen, which was sued by the SEC and your organization, and XXXX XXXX destroy families and prey upon society. I claim I was lied to by both companies and they used the confusion of XXXX XXXX works for Ocwen and that no they dont work for Ocwen to purposely pass blame to one another and never resolve my issue until I either get tir ed and give in or leave my situation in limbo. I cant sell my house and even if I pay the first mortgage off I will never own this home or worst XXXX XXXX will sue for foreclosure at that time and steal my home. Lying to consumers should not be tolerated. In a court of law in Ny were NY sued Ocwen they admitted that their records are not reliable. I submit that anything they say is probably not accurate and that court case proves it. XXXX XXXX is also not innocent as this court case also effects any documents that passed for Ocwen to any other agencies. XXXX XXXX has also been sued for many fraudulent activity. My property is being held hostage and I beg for your help. I am XXXX and I have a XXXX year old. I can not afford to deal with this. These loans were paid by insurances, bail outs, and tax payers already and I do not understand why these obviously criminal companies are allowed to prey on poor XXXX people. I also want to state the XXXX at Ocwen said that Ocwen would forgive the debt and release the loan if it was in their hands because it is the right thing to do. I believe this can happen if they would enforce their master servicing rights and fire XXXX XXXX . However they still hold out hope that I will believe that they are powerless to fix my issue and they do not employ XXXX XXXX .
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| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The last time I submitted this complaint on XX/XX/XXXX to the CFPB, I had to watch while this group or person employed by PHH Mortgage Services or someone on the side they hired, intercept my 2 complaints, take them and filter out all reference to the fraud I caught PHH in, and then let the complaints go through to the CFPB completely changed/altered. I come to find this is nothing new. They have been doing this sort of thing to homeowners for some time now. Hiring or employing hackers to come out to your residence to establish an access point ( no diff from when sign up for wifi and tech comes out to establish ) so that they can control your communication outflow, like they did here with my last complaints. They also capture and filter out any communication inflow you receive that could be detrimental to their goal of committing fraud and stealing homes undetected. What I caught PHH in is a Homeowner 's Insurance Kickback Fraud Scheme, but until now, my words have not been able to get out.
So we are going to try this again. This time, I am at a public computer. Not at any one of my many phones they remoted into already and hacked where I can't get them to stay out. Not submitting this on my laptop either which you can see from the previous complaint I made back in XXXX of last year, it specifically addresses PHH being in my electronics and how I want them out. They are violating my civil rights by keeping me from seeking legal litigation against them. They stated they were not monitoring me. They lied and are still in there. I have to deal with this every single day. They also delete emails not just pertaining to fraud but anything that could help the fight against them to expose their fraud, such as getting a job. They keep you down in a hole and are purposely playing a heavy hand in bleeding you out. Getting a job goes aganist this very concept so you can rest assure they don't intend for you to obtain gainful employment.
Now the last time I submitted complaints here to the CFPB, it not only got intercepted by PHH, but the complaints generated automatic responses from PHH and 2 other mortgage servicers. How can these mortgage servicers have it set up to automatically detect here on the CFPB website when a complaint is submitted on them? They should not be able to do that, yet they did. That's what worries me, especially when you consider I once already had a lawsuit filed in court on PHH, but they manipulated the situation to make it go away. Back then at that point I had only began to piece the whole fraud scheme they put me in together but as can read from attached, it still starts to show their fraud they are committing. I need to find out the truth though on why these mortgage servicers appear to have control here on this site where they shouldn't. So below is the same exact complaint, word for word, submitted back in XXXX, only this time I am at a public computer submitting it where they should not be able to intercept it before it gets there. Also, I am positing this very same complaint to social media and created an online version with a link that I can share and spread all around for all to see. In other words, there should no way what it is I say and make complaint about, get intercepted beforehand and changed at all. what comes out at the CFPB needs to match, word for word, what's posted elsewhere or we have a huge problem on our hands and not just the fraud I caught PHH in. Especially if more system generated responses get triggered once I submit this complaint as well.
Also, I checked off to let this complaint get published on the CFPB website for all to see. I want to make sure that's understood as well.
_____________________________________________________________________ In XX/XX/XXXX, PHH Mortgage Services committed fraud on me and staged a default that that would lead to an illegal foreclosure and auctioning off my house on XXXX XXXX XXXX. This was 100 % through no fault of my own. I had not missed any payments, was not late in payments once in the whole entire 10 years I had my mortgage, was not subprime, did not have a variable rate, bought a home within my means, even put 10 % of the note down when purchasing the home in XXXX.
Apparently that wasn't good enough for PHH, so they took it upon themselves to stage a default of my home loan by fabricating a missed payment that they then converted to a fabricated escrow deficiency when running escrow analysis for the year on the same date as the statement date. They are basically using dual default dates in a method that has a staged default date in the back that can never get satisfied so always defaults the homeowner no matter what effort he puts in to fix or get his mortgage current, and a fabricated default date that the homeowner is led to believe is the default date and reason for him in foreclosure and his house going up for auction. Its all smoke and mirrors though and 100 % fraud that they have been using this to steal peoples homes and destroy their lived for over 10 years now from what I can trace from past examples in court proceedings, articles, blog entries by homeowners, etc. They just never realized it wasnt their fault and all due to fraud that they were losing their home. All the effort they were putting in researching about foreclosures, reaching out to others for advice, creating blogs to document what is happening to them as they go through it, trying effortlessly to hire a lawyer when it seems like none will take up your case, is basically all done for nothing. The fate of their home was pre determined the minute they got put into this scheme. Once in, the process can basically be considered automated at that point in that the staged default date in the back that cant be satisfied but the homeowner is unaware of as the problem to begin with, overrides everything. Pay to get current? It overrides and are still in foreclosure status. In a trial period of a loan modification? It overrides and is reason the trial period payments are misapplied. Do anything at all to save your home and you are wasting your time because it overrides, it overrides, it overrides. I went through the whole process and should know.
The worst part is, as you can see from the attached evidence of NTS of auction on XXXX XXXX XXXX, PHH illegally stole my house and sold it at auction as if it was a legitimate foreclosure while I had to stand by and watch all the while knowing and screaming to others that it was fraud. They used a fabricated escrow deficiency that 100 % did not even exist in the 1st place as the basis to commit fraud and take my home.
They broke federal law as you can see straight from my demolished Transunion report that they refuse to fix, every time they charged me {$1500.00} because this amount includes an additional {$460.00} of escrow charged to me in every charge that they did since XXXX XXXX on forward. And then colluded with my own bank, who has been caught doing this fraud before, XXXX XXXX XXXX, to overdraft and charge my account by this amount 13 times in XXXX of XXXX. I attached statement snapshots from XX/XX/XXXX when PHH did this XXXX overdraft as well as subsequent month statements when the overdraft was reversed and came back but was used as basis to strip my equity.
PHH has my original default date in XXXX XXXXXXXX XXXX report is straight from pulling off their website. They have confirmed it is system generated meaning what's reported and shows on the XX/XX/XXXX report came straight from the system at PHH unaltered or changed. PHH 's own system shows me as satisfied or {$0.00} charged, {$0.00} paid, {$0.00} overdue, so therefore I'm green for the month on XXXX report. You know where I'm not green for this month? Over at PHH which has me as red for the month or delinquent and used this as basis to default me.
This all really really happened to me.
Why?
This was all fabricated and PHH used a payment/escrow deficiency that never even existed in the 1st place to default me and auction off my home. I will be forwarding this to HUD homes, getting the attorney general involved, as well as the FBI, and my lawyer. They should not be able to do this and destroy the lives of homeowners let alone ones with XXXX. I have a hard enough time making it in the world without having to worry about my own mortgage company committing fraud on me and stealing my home for no reason of my own whatsoever. But thats what they did and thats what they are continuing to do to homeowners today.
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| 02/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom This May Concern My name is XXXX XXXX the daughter of XXXX XXXX owner of XXXX XXXX XXXX.
On XX/XX/XXXX my mother passed away after being ill for along time, at the time of her departure she did not have a will in place. I made several phone calls to the Ocwen mortgage company I finally reach a XXXX XXXX and I explained that my mother has passed away and I would like to take over the home if possible. XXXX informed me that I needed to have the deed transferred over to me. So, I contacted the city of XXXX and was told that first I needed to be deemed the administrator of her estate. So, I did that paperwork and once it was approved I then obtained a lawyer to transfer the deed and that was done. Once that process was completed I called Ocwen Mortgage again and reached out to XXXX XXXX he informed me that the mortgage was behind I stated that I would like to keep the property and pay the monthly mortgage payments if possible, XXXX said, it would be now problem to grant me a loan modification because he had done it before for my mother, however before he could do so I needed to file out a Family Transfer package. So, I did that was XX/XX/XXXX.
Once the document was submitted I waited to hear from XXXX but I never heard fromhim. I called several times, customer service keep transferring me to XXXX, voice mail I left messages, never received a call back nor did I receive any letter correspondence of my denial for a loan modification. After several calls, customer service now tells me that my contact person was XXXX XXXX and they gave me his number and extension ( XXXX ) ext XXXX so I preceded to call him XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and left messages again no return calls.
Finally, around late XX/XX/XXXX I called again and I was told that PHH Mortgage is now the holder of this loan and they had no records of my application for a loan modification with Ocwen and they keep asking for XXXX XXXX. I keep telling them that she has passed away and I was the administrated of her affairs. I submitted all paperwork to Ocwen on XX/XX/XXXX. So they entered my named and told me I needed to submit a application for a loan modification with them. So I did on XX/XX/XXXX and filed yet another application for a loan modification for the second time but this time it was PHH mortgage. I was told that it will take up to 30 days. So, I waited. PHH Mortgage called me several time within that month asking me to pay all that back-mortgage money and I explained to them every time that I have submitted a loan modification application and I also asked if I could I still send in the monthly mortgage payments while I wait, I was told that a payment would not be accepted from me and the application is still being reviewed. So I waited for their decision. After 30 days past and I did not hear from them I called PHH mortgage, at that time I was informed that my application was denied. I asked why and why did I not receive a phone call or letter from them, I was told it was sent out, but I did not receive a letter. They stated the reason was because some 25 % rule which I did not understand, something about the payments would be too high for me. I asked at that time if I possibly negotiate the amount that was owed. Which at that time was approx.. {$18000.00} and I was told no. Anyway, they instructed me at that time to submit another application which I did XX/XX/XXXX. Again I waited and again I received several phone calls from PHH Mortgage stating that they are calling to collect a debt and when did I plan to pay the back mortgage payments, along with every call they asked to speak to XXXX XXXX and every time I instructed them that she has passed and I instructed them that Ive submitted a loan modification application again as instructed. The representative reviewed the account and said that the application was still in review this approx. end of XX/XX/XXXX. So early XXXX I called them to ask about the statues and was told that the application was denied again ( again no letter of denial nor a call of the denial ), I asked why again and then was told because of my credit, I stated that why is my credit reviewed for a loan modification, the representative said may I put you on hold, I said yes, he came back to the phone and said then the reason was for the same reason previously the 25 % rule. At that time, I expressed my dissatisfaction with this company and how they refuse to work with me. I also said that I believe that you just want this house instead of helping keep it. The customer representative said Im sorry you feel this way, but you can resubmit your application again. I explain that why would I do that if you are going to keep denying me, the representative said that it could be reviewed again for approval, so I said ok. After I got off the phone I hired a real estate lawyer, I explained the situation, he instructed me to call them back and ask about the COVID 19 relief program, so I did, PHH said It did not apply to me because the mortgage was behind before COVID 19, ok. I called the lawyer back and he told me that he would reapply for the loan modification on my behalf, so he did that was in XX/XX/XXXX. Now again I waited and waited and waited, in the meantime Im receiving these debt collection calls from XXXX and each time Im telling them the same story, my mom is no longer living and I applied for a loan modification, they put me on hold and come back stating my application is still in review, all this within the month of XX/XX/XXXX. Im receiving 2 to 3 calls a week from them.
So now its XX/XX/XXXX I called this time to inquire and again I was denied this time I was told my paperwork was older than 30 days when submitted, so I said how is that possible and why wasnt I told that when I spoke to them before in XX/XX/XXXX. Well come to find out the lawyer just resubmitted the same application that I submitted in XXXX. Wow! So I called the lawyer back and he called the mortgage company his self. They apparently told him something different they stated the same denial reason they had been telling me previously.
Now the lawyer gives me the option to sell the house to a family member, and gives me a mortgage VP to help me named XXXX XXXX, so I called him and explained the whole story, so he suggested that my daughter buy the house and then add my name at closing. Before we could do that, I needed to receive a payoff amount, so I called the PHH mortgage company and asked for a payoff quote. Representative said they would request the quote and will take up to 30 days, I was asked how did I want to receive the quote email or mail I stated mail. In the meantime Im still receiving several calls from PHH. In XX/XX/XXXX I received a letter about an appraisal, I also received a call from an appraisal company that apparently PHH hired requesting to schedule an appointment, I explained that I did not live in XXXX, but I could have someone meet them at the house. So, we scheduled it. In XX/XX/XXXX I received a letter of the payout quote and I forward it to XXXX XXXX along with a note that I have not received a copy of the appraisal.
Now just to give some idea of the condition of the house : there is a hole in the back-bedroom ceiling, the roof needs repair, kitchen needs repair among other things, several repairs are needed, so this is outrages payoff quote the house maybe worth this amount if in excellent condition but absolutely not in the condition it is in now.
Anyway after waiting for a while I called PHH again and asked for the appraisal they sent me an appraisal from XXXX which I knew nothing about, I requested the appraisal that I approved in XX/XX/XXXX and they said it was done in XX/XX/XXXX and they could not find it, so they entered a request for that appraisal .This conversation took place on XX/XX/XXXX and spoke with operator XXXX ID PMI and another operator later that day when I called back to request that these denial letters that they claimed they sent as well as the appraisal. As of today, XX/XX/XXXX Ive received no appraisal from XX/XX/XXXX. Also, the unapproved appraisal that was performed on XX/XX/XXXX was only done on the exterior of the home.
Now I received a letter from a XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and I received it on XXXX XXXX telling me I have 30 days from the date of this letter.
PS the XX/XX/XXXX appraisal also say that the property is occupied and it is not.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
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| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On Monday, XX/XX/XXXX, my husband and I both received phone calls on our cellphones from a man letting us know that we are in a Notice of Default and that he could help us with our situation. I thought that was very odd, so, I called my mortgage company, PHH mortgage to find out what the status is on our loan. I have been in contact with PHH mortgage since I lost my job in XXXX of this year XXXX. I will do my best to give you a timeline of dates of my interaction with PHH mortgage customer service.
On XX/XX/XXXX, I was let go from my job. I was told that since I was a temporary employee, that they had too many permanent employees that needed work to do. I was so disappointed as I was hoping that I was going to be hired eventually as a permanent employee. My husband and I were starting to make the mortgage payments on time.
So, in the meantime, I called PHH mortgage around XX/XX/XXXX to see if they could give us a break while I try to find another job. The customer service person mentioned to me to not worry that they will help me to find a solution to not lose my home. I was so grateful and felt so reassured.
I received a letter dated XX/XX/XXXX from PHH mortgage stating that my loan is on a Temporary Hardship Forbearance Plan Agreement. Since then, I have submitted all paperwork they requested from me in order for them to try me again for a Loan Modification or repayment plan. They mentioned it will take at least 30 days for them to review and make a decision.
I received another letter dated XX/XX/XXXX from PHH mortgage stating Early Intervention Borrower Assistance.
On XX/XX/XXXX I spoke to customer service and they asked me over the phone what mine and my husbands monthly incomes were to see if we qualifythey had mentioned to not worry that they will help me with either a loan modification, repayment plan, or to put the amount of what we owe in late mortgage payments to the back of the loan. The customer service people are always reassuring me to not worry, that they will help me to keep me and my husband in our home.
On XX/XX/XXXX, I got another jobI was able to submit my paystubs as requested from PHH mortgage. Again I was told it will take at least 30 days for them to review and make a decision.
I received another letter dated XX/XX/XXXX from PHH mortgage stating, The Mortgage Assistance Application was Received.
I received another letter dated XX/XX/XXXX from PHH mortgage stating, Missing Items From the Request for Mortgage Assistance, with a due date for documents to be submitted by XX/XX/XXXX. Right away I called and and emailed them what they asked for.
I received another letter dated XX/XX/XXXX from PHH mortgage stating Notice of Default!
On XX/XX/XXXX I called and spoke with PHH mortgage customer service, they told me to disregard the letter stating Notice of Default because they are still trying to work on my loan modification review. They said it may take approximately XXXX days to figure out the results or update, and for me to call them back in a week.
I received another letter dated XX/XX/XXXX from PHH mortgage that they receive my documents.
I received another letter dated XX/XX/XXXX from PHH mortgage stating Missing Items from the Request for Mortgage Assistance. with a due date for documents to be submitted by XX/XX/XXXX. Right away I called and emailed them what they asked for.
I received another letter dated XX/XX/XXXX from PHH mortgage stating that Documents Received for Mortgage Assistance Review.
On XX/XX/XXXX, I called PHH mortgage back to check status on my mortgage loan, customer service mentioned they received my email of the paystubs I emailed to them, however, they were not legible, so, I emailed them again that same day.
I received two letters dated XX/XX/XXXX from PHH mortgage, stating Documents Received for Mortgage Assistance Review.
I received a letter dated XX/XX/XXXX from PHH mortgage stating, The Request for Mortgage Assistance was Received, and that the application is currently complete as of XXXX, XXXX, XXXX.
On XX/XX/XXXX, I called PHH mortgage to check status of my loan, customer service said to call them back at the end of the week.
I received a letter dated XX/XX/XXXX from PHH mortgage stating, Initial Contact Letter REQUIRED PURSUANT TO CALIFORNIA CIVIL CODE 2923.55 informing me basically that the mortgage payment is past due.
I received a letter dated XX/XX/XXXX from PHH mortgage stating, Decision on the Request for Mortgage Assistance informing me that my mortgage does not qualify for the Mortgage Assistance. However, the account is conditionally eligible for other alternative ( XXXX ).
I received another letter dated XX/XX/XXXX from PHH mortgage stating, The Mortgage Assistance Application was Received So, I called them of course, however, I do not remember when I called them, maybe it was around XX/XX/XXXX. When I spoke to customer service of PHH mortgage, then mentioned that there is a link on their website for mortgage assistance. So, I contacted the link which was a link to the California Mortgage Relief Program. This link was on PHH mortgages website. I was under the impression they were working together.
On XX/XX/XXXX, I had received a phone call from the relationship manager from PHH mortgage as this was my phone call appointment to go over my mortgage and any options available. All the relationship manager told me was to submit three months of my recent bank statements.
On XX/XX/XXXX, I emailed PHH mortgage my three months of my recent bank statements.
I received another letter dated XX/XX/XXXX from PHH mortgage stating, Missing Items from the Request for Mortgage Assistance.
On XX/XX/XXXX, I clicked on the link on the PHH mortgage website that took me to the California Mortgage Relief Program. I filled out the application and submitted all documents they requested.
I received two letters dated XX/XX/XXXX from PHH mortgage stating Documents Received for Mortgage Assistance Review.
On Monday, XX/XX/XXXX, my husband and I both received phone calls on our cellphones from a man letting us know that we are in a Notice of Default and that he could help us with our situation. I thought that was very odd, so, I called my mortgage company, PHH mortgage to find out what the status is on our loan. I have been in contact with PHH mortgage since I lost my job in XXXX of this year XXXX.
On XX/XX/XXXX, I called PHH mortgage to check status on my mortgage loan. I spoke to customer service and I could not believe what they told me over the phonemy mortgage loan is now in Notice of Default. I did not understand as they told me each time with my interaction on the phone with them to Do not worry, we will help you with either a loan modification, repayment plan, or put what you owe to the back of the loan. I did not understand why I did not receive a phone call warning about this. They mentioned that they sent me a letter dated XX/XX/XXXX, however, I never received that letter. I would have called immediately as I have been calling and keeping in touch with them. I told them that I emailed them my bank statements back in XX/XX/XXXX as they requested. I also told them that I clicked on their link on their website that took me to the California Mortgage Relief Program, and that I filled out the online application and uploaded the required documents that they requested. PHH mortgage customer service told me there is no sale date yet and to not worry again. But how can I not worry??? Most of these customer service employees that are from overseas do not seem to really understand my situation and honestly, sounds like they are just reading from a script not tailored to me and my situation. It is very frustrating as I have complied with all their requests. I am doing everything I can to not lose my home. I am hoping and praying that the California Mortgage Relief Program and PHH mortgage work something out to help me.
I received another letter dated XX/XX/XXXX from PHH mortgage stating, IMMEDIATE ACTION IS REQUIRED TO AVOID FORECLOSURE.
So, here we are, time is of the essence, and I can not get a clear answer as to if and when I will receive help to resolve my issue.
Please, I know that so many people need help with all these increasing home prices, rents and gas prices, the government does offer mortgage relief. I hope you can please help me and my husband to keep our home and stop the notice of default to not foreclose on our home weve owned since XXXX.
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| 08/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Servicemember |
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In spring of XX/XX/XXXX, I started receiving phone calls from OCWEN attempting to collect on a debt. I was overseas on a military XXXX, and not regularly receiving my statements in the mail, as they are sent to my home address. Due to the travel intensive schedule, and austere locations of my XXXX, I simply paid OCWEN the amounts they said were due to bring my account up to date, as I did not have access to the resources necessary to investigate the details of the discrepancies. Two months later, the calls began again. This time, I spoke to OCWEN, and ensured that I was paying well in advance of my due date for each month 's bill. I had already set up auto payment through my bank, XXXX XXXX XXXX XXXX, to ensure my bills were always paid on time, but after this incident, I paid one month in advance, in addition to what OCWEN claimed was delinquent, and set my auto-payment for {$10.00} more than my monthly amount due ( in case there was a fluctuation in my payment amount due ), and I scheduled for it to be paid on the first of every month, even though my payment was not due until the XXXX of each month, so I would always have time to correct a problem before the bill was late. I also filled out a form I obtained from OCWEN, specifically telling OCWEN to apply any additional/excess funds beyond the billed amount/amount due to the principal of the loan. I marked the box that stated this was to continue for each over-payment, indefinitely, or until change it. I did not have any issues with OCWEN again until XX/XX/XXXX. When I received my XX/XX/XXXX statement, which was produced on XX/XX/XXXX, it listed the last payment received, amount, etc., and that I had a balance due of {$0.00} dollars. My bank statement showed my XX/XX/XXXX Payment of {$560.00} had been sent, as scheduled, on XX/XX/XXXX, because XX/XX/XXXX was not a business day. When I received my XX/XX/XXXX statement, dated XX/XX/XXXX, it stated I had an Amount Due IMMEDIATELY of {$550.00}, as well a balance due on XX/XX/XXXX for {$560.00}, resulting in a total amount due of {$1100.00}. By this time, my wife and I had applied for a new mortgage, to purchase a new house in a new location, which required a copy of my current mortgage statements. She was already living in the new location, and had taken my XX/XX/XXXX OCWEN statement with her after a visit, before I had an opportunity to investigate the discrepancy. My payments continued as scheduled, and arrived each month on the 1st business day of each month, to be applied to my amount due on XX/XX/XXXX. When I received my XXXX statement, it listed a Past Amount Due IMMEDIATELY of {$560.00}, the exact amount due on XX/XX/XXXX, which had been paid XX/XX/XXXX. It also showed a balance due on XX/XX/XXXX of {$560.00}, for a total amount due of {$1100.00}. At this point, we were in the middle of packing our old house, getting it ready to sell, and move to our new house, which included a myriad of additional difficulties and issues that needed immediate attention, not to mention coordination for the move, kids ' schools letting out for summer, being a single parent household, and my pending retirement from 22 years of military service. I simply did not have the time, or energy to dig into the details of these continued discrepancies at that moment, and paid the full amount of {$1100.00} on XX/XX/XXXX. Knowing that I would soon be selling the house for which OCWEN owns this loan/line of credit/2nd mortgage, I was confident this would be the last of the continuing issues with this mortgage company. Of course, this did not prevent me from having to have a conference call with my new lender, and OCWEN, to explain that I was not delinquent on my payments, and never had been. The OCWEN representative during that call confirmed that I had not been late on my payments, and my account was up to date, even though the billing statements suggest otherwise. My XX/XX/XXXX Statement arrived showing I owed {$550.00}, due on XX/XX/XXXX. I checked my bank records to ensure my payment had been made, which it had been, on XX/XX/XXXX, in the amount of {$560.00}, to be applied to my amount due on XX/XX/XXXX. Since the statement was printed on XX/XX/XXXX I did not concern myself with the listed balance due, knowing it had been paid. My XXXX statement arrived, having been printed on XX/XX/XXXX. It showed a Past Amount Due IMMEDIATELY of {$550.00}, and a current amount due of {$570.00}, for a total amount due by XX/XX/XXXX of {$1100.00}. I 've since moved into my new house, and having had enough of OCWEN 's billing nonsense, I decided to look into my records as to why this continues to happen. I noticed several discrepancies and inconsistencies in my billing statements, to include a payment made on XX/XX/XXXX of {$560.00} to be applied to my balance due on XX/XX/XXXX, that had only {$6.00} of the {$560.00} applied to the balance due. The remaining {$550.00} of that payment was placed in " Suspense '', according to the statement. Just to refresh everyone 's memory, the Past Amount Due IMMEDIATELY listed on the following statement dated XX/XX/XXXX, is for {$550.00}. I called OCWEN on XX/XX/XXXX to address these issues, and it was n't until I brought up the incorrectly applied payment for the amount due on XX/XX/XXXX, which was paid on XX/XX/XXXX that they acknowledged any issue or inconsistency. I was then told that the discrepancies on my bill were due to the fact that my payments arrive on the XXXX of each month, and the bill is produced on the XXXX of each month. When I explained that I was paying 20 days in advance of the due date, and 30 days in advance off the the next billing statement being produced, this explanation was simply not possible. I further advised the OCWEN representative that I had specifically filed a form they sent me in XX/XX/XXXX, specifically directing them to apply any excess funds/overpayments to my principle balance. After putting me on hold, the representative told me that the only recourse I had was for her to submit a request to another department of the institution, to have those incorrectly allocated funds from XX/XX/XXXX 's payment applied to my XX/XX/XXXX amount due, and that it would leave me with a balance of $ XXXX due XX/XX/XXXX, even though the payment for XX/XX/XXXX has already been made, as of XX/XX/XXXX, in the amount of {$560.00}. OCWEN has been consistently failing to apply my monthly payments correctly. I have all of these statements, and bank payment information from when it started to become a problem again this year, and will be obtaining all of my statements for the history of the loan. Unfortunately, I am unable to get my banking statements for last year, or beyond, though the similarities between these incidents leaves no doubt in my mind they have been incorrectly applying my monthly payments for the life of this account. I have paid them the double amounts on at least four separate occasions, and will gather the required documentation to determine exactly how many times I have had to deal with this from OCWEN, as I estimate it has cost me in excess of at least {$2500.00} additional dollars over what I actually owe them for my account to be current, though I will not be surprised to discover the actual amount to be higher. Possibly significantly higher. The conversation on XX/XX/XXXX with OCWEN ended without resolution to this continuing issue, and I 'll simply be ignoring their future statements, and/or claims that I am delinquent on my account. The house that coincides for this loan is listed for sale, and OCWEN will get their money when house is sold. During my research of these discrepancies, I came across an article explaining that CFPB was suing OCWEN for incorrectly applying customer payments, among other things such as information omitted from statements, and decided to report my problems, so additional evidence can be provided to prove their continued mishandling of customer accounts and money. I 'm sure I already know the answer to my next question, but I 'll ask it anyway. What sort of recourse do I have with OCWEN for their mismanagement of my account, and money I have paid them beyond what I actually owe? I am electing not to attach my billing statements from OCWEN, because they already have the exact same ones, which clearly outline the discrepancies. Unless some sort of financial restitution is a possible outcome, I 'd rather not waste any more of my time on OCWEN.
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| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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As the servicer for XXXX XXXX, Ocwen Loan Servicing directed and continued these fraudulent actions that led to a wrongful foreclosure on my property after purchasing by an void/invalid alledged promissory note to my property in XX/XX/XXXX : I attempted to work out a modification with XXXX XXXX XXXX but as the only borrower on the loan was told the bank would not use my spouse 's income. During this time I learned that no legally valid transfer of her Assignment of Deed of Trust to my property had taken place. The mortgage has been securitized and the real holder of her note while not readily identifiable is not XXXX XXXX. Further, the bank filed an Assignment of Deed of Trust executed by XXXX XXXX XXXX XXXX XXXX XXXX, a known Robo-signer who signed as a XXXX vice president, a false and deceptive practice. See XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX. Further, XXXX lacked standing as they have never proven holdership of the note at any time and can not transfer something it doesn't possess. Further the bank executed the Assignment of the Deed of Trust in XX/XX/XXXX, having initiated the foreclosure in XX/XX/XXXX for XXXX XXXX a defunct company since XXXX. The alleged " promissory note '' is included in the class action settlement of XXXX XXXX XXXX XXXX XXXX, et al., v. XXXX XXXX, XXXX, et al., as a stock certificate and bank is a New York based company, subject to the laws of New York.
I have attached the complaint filed by Attorney General XXXX XXXX ; people of the state of XXXX v. XXXX XXXX ( No. XXXX ), ( Exhibit 1 ) that outlines the exact same fraud committed on my mortgage beginning on page 25 and clearly shows that the bank has no holdership rights to my property.
The bank claims via Assignment of the Deed of Trust filed in the XXXX County Court House that XXXX allegedly transferred my mortgage to XXXX XXXX XXXX XXXX XXXX, As Trustee Rali XXXX, but as stated by Attorney General XXXX in the complaint ( page 23 thru 41 ), " XXXX concedes in its own procedures manual that it " can not transfer the benefits right to the debt and its terms of membership acknowledge that the XXXX system is not a vehicle for creating or transferring beneficial interest in mortgage loans. '' Thus, the assignment executed by XXXX and its certifying officer XXXX XXXX who is an employee of the servicer XXXX XXXX XXXX lacked the authority to transfer the note to the foreclosing party. See XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX v. XXXX , Index No. XXXX, XX/XX/XXXX Order ( N.Y. Sup. Ct. ) and XXXX XXXX XXXX v. XXXX , XXXX XXXX XXXX, at XXXX ( N.Y. Sup . Ct. XX/XX/XXXX ). Where the presiding judge stated " MERS can not transfer something it never proved it possessed. '' ( People of the State of N.Y. v. XXXX XXXX ( No. XXXX ), pg. 25 ).
The Assignment of the Deed of Trust on the borrowers property filed by the bank bears this same false transfer of assignment. ( Exhibit 2 ). As a further example of a false and deceptive practice on page 25 of Attorney General XXXX 's Complaint, XXXX XXXX XXXX was the Servicer and their employee executed the problematic transfer assignment as a XXXX certifying officer. The original Notice of Foreclosure action initiated on my property was XX/XX/XXXX, but the date the " retroactive assignment '' was filed ( executed ) by the Defendant was XX/XX/XXXX. However, the bank was granted an Order to foreclose never proving XXXX had possession of my promissory note or the right to transfer it. ( pg. 25 ).
The Defendant is subject to the laws of New York and there are numerous decisions where the state of New York has vacated a judgment of foreclosure and sale where a " XXXX '' certifying XXXX executed a retroactive mortgage assignment. ( See XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Dept. XX/XX/XXXX ) ( No standing where MERS executed assignment at least XXXX months after foreclosure action filed. ), the date of filing is controlling. Attorney XXXX spells out how this behavior deceives borrowers as well as the courts.
The assignment was filed approximately 2 years after the bank-initiated foreclosure with a retroactive assignment of the deed of trust execute XX/XX/XXXX. Foreclosure action was initiated XX/XX/XXXX. The date of the assignment is the controlling factor ( pg. 27 ). The complaint goes on to list multiple examples of fraudulent and unfair and deceptive trade practices that exist in my mortgage and make it clear that XXXX XXXX has no interest in my property or that they legally possess the right to foreclose.
The banks assignment of transfer where XXXX purports to act as nomine for XXXX XX/XX/XXXX when the transfer was executed in XX/XX/XXXX, but XXXX XXXX was defunct as of XX/XX/XXXX. Here the Defendants use of " XXXX '' to transfer the assignment of the property has no validity as neither XXXX nor the entity they purport to act on behalf of had any interest in the mortgage at the time of the alleged assignment. ( People of the State of N.Y. v. XXXX XXXX XXXX XXXX. XXXX ), pg. XXXX, # XXXX ). See XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX XXXX, XXXX ). See XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, at XXXX ( N.Y. Sup . Ct. XX/XX/XXXX ) pg. 27 # XXXX.
These unfair and deceptive acts culminated in an Appeals hearing on XX/XX/XXXX and XX/XX/XXXX I was told by Judge XXXX on day 2 of an Appeals hearing that this was no longer an Appeals hearing but a new trial and that he would not consider the evidence from the hearing that was being appealed and that any errors or mistakes made in the Clerks office no longer applied. On day one of that trial Attorney XXXX XXXX of XXXX XXXX began passing out new mortgage documents claiming that they were now the new certified original copies of promissory note and mortgage documents with undated allonges. These were not the same documents used to obtain the order to foreclose on XX/XX/XXXX and despite my objections, XXXX XXXX ruled that this was " fine ''. Also note the alleged Allonges presented by the bank don't properly identify the property or borrower and both are undated. ( Exhibit 3, Witness Statement ). The Clerks office made multiple errors of law and denied my due process rights, allowing the Lender to send an attorney to a hearing on XX/XX/XXXX that was not affiliated with their firm or the case to act as if she were the trustee.
I pointed this out to the Clerk as both the Trustee and Lender failed to appear, defaulting as they had done multiple times before over a 3-year period and were granted ex-parte continuances, I requested to be heard on a Motion to Dismiss and the Clerk refused to hear it and forced us to attend a continued hearing on XX/XX/XXXX, where the same clerk allowed the bank to use this fraudulent documentation and granted them the order to foreclose. ) See Clerks continuance where he states, " The Lender directed this case was cancelled or on hold ''. It appears the clerk acted under the direction of the bank.
Further, I submitted a forensic report which supports our claim that the bank has no holdership of our property and that the fraud committed is identical to the fraud in Attorney General XXXX 's complaint. Further, as XXXX XXXX is subject to the laws of New York it appears they knowingly crossed state lines and continued actions that have been ruled invalidated multiple times in New York. Further, Plaintiffs have noted cases in North Carolina with the same or less evidence that the bank lacked holdership such as XXXX XXXX XXXX and XXXX XXXX XXXX, Dated XX/XX/XXXX, Recorded in Book XXXX, Page XXXX in the XXXX County Registry. XXXX County XXXX. XXXX XXXX XXXX and XXXX XXXX v. XXXX XXXX in North Carolina, in these cases the borrowers prevailed.
These violations are covered under North Carolina G.S. 75-1.1, GBL 349, Executive Law and 63 ( 12 ). The bank executed false, deceptive or legally invalid or defective mortgage assignment in this foreclosure proceeding. That is invalid in both New York and the state of North Carolina. The bank used a non-employee XXXX " certifying officer '' to execute a foreclosure related document on the behalf of XXXX. The evidence is clear that the defendant has no legally valid holdership of my property.
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| 10/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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For reasons that have become clearer over the past two years, it is now my belief that there never was any mortgage loan to me. I never received any evidence of any loan disbursements for {$310000.00}. to anyone.
I received debt collection notices from XXXX XXXX alleging to be debt collectors on behalf of Ocwen Loan Servicing, LLC regarding " the mortgage which encumbers the above real property ( " the " Mortgage '' ). The Note evidencing the loan in the original principal amount of {$310000.00} and the Mortgage are collectively called the " Mortgage Loan ''. This was Re : XXXX XXXX File # XXXX, for Property Address XXXX XXXX XXXX, XXXX, Massachusetts XXXX.
According to XXXX the amount of the debt as of XX/XX/XXXX was {$310000.00} and the creditor to whom the debt is owed is XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX Asset=Backed pass-Through Certificates Series XXXX. Yet the document filed at the Registry of Deeds says " ASSET-BACK '' not " asset-backed ''.
This information is not accurate. I disputed the debt with XXXX XXXX but they ignored my dispute and refused to send me the requested information to show any evidence that make them believe that I owed the debt. I filed a complaint with CFBP on XX/XX/XXXX ( complaint # XXXX ). CFBP informed me on XX/XX/XXXX that they could not send my complaint to XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX evidence of additional facts and am submitting those same facts via this complaint directly to Ocwen Servicing LLC as XXXX XXXX encouraged me to contact the servicer.
History of Ocwen Servicing LLC involvement : I received a " Notice of Servicing Transfer ( RESPA ) and WELCOME TO OCWEN LOAN SERVICING, LLC dated XX/XX/XXXX. This letter was on joint letterhead of both Homeward Residential and Ocwen Servicing LLC. ( see attached ). According to this letter, this was effective XX/XX/XXXX.
According to the transaction history report I found by signing into Ocwen Servicing LLC website in XX/XX/XXXX, a loan disbursement of {$260000.00} was made on XX/XX/XXXX. It doesn't say to whom this loan was made.
This same transaction page shows that on XX/XX/XXXX an escrow payment of {$120.00} was received. This escrow payment appears on the Annual Escrow Account Disclosure Statement Account History dated XX/XX/XXXX shows this same amount on the same date.
This disclosure page did not report actual payments I made to the escrow on XX/XX/XXXX and XX/XX/XXXX, each in the same amount of $ XXXX. I wrote to Ocwen on XX/XX/XXXX via certified mail which they received on XX/XX/XXXX.
I received a letter dated XX/XX/XXXX from the Office of Consumer Ombudsman thanking me for the correspondence and informing me they would address this within 10 days. I never received any further response.
I also submitted my first complaint to the CFPB regarding this very issue in XXXX which the CFBP referred to the Office of Consumer Ombudsman and again I never received a response.
In XXXX and XXXX I reinitiated my attempts to resolve this due to credit reports that I had since obtained that falsely report this as a 40 year loan. It is my understanding that a 40 year loan is a commercial loan and I did not apply for nor obtain a commercial loan.
Ocwen also reports " monthly payments '' to the credit reporting agencies that include the escrow amount for home insurance and property taxes as " monthly payments '', implying that the entire monthly payment is going to principal or interest or both.
The transaction report I have scanned show that these are in fact being distributed to the Town of XXXX and to the hazard insurance company. Ocwen correspondence sent to me says that I can discontinue the use of the escrow account at any time, however the XXXX mortgage modification document says that I can not.
Another significant dispute is related to my hazard insurance. XXXX XXXX discontinued my home insurance in XX/XX/XXXX allegedly due to non payment. AHMSI who was the servicer at the time initiated forced placed insurance at a cost significantly more than the home insurance. The forced placed insurance was $ XXXX vs XXXX XXXX which cost $ XXXX. I paid this amount for two years.
The Insurance is by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX, c/o CT XXXX XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, PA XXXX.
In XXXX, a researcher at AHMSI located the cancelled check showing that XXXX XXXX XXXX had in fact received and cashed this but " accidentally '' applied to the wrong account. My insurance agent XXXX XXXX of XXXX XXXX XXXX notified me that XXXX agreed to retroactively insure my home if agreed to waive any claims against them. I said I would agree only if XXXX was willing to retroactively cancel the forced placed insurance. The result was suppose to credit me with the difference of two years of forced placed insurance premiums which was approximately {$4400.00}. THIS NEVER HAPPENED. I spoke to a lawyer about this and he said this didn't even make sense because XXXX owed no duty to refund premiums already earned and unlikely to do so.
Shortly after these events, AHMSI immediately transferred my servicing to Homeward Residential without notice and then Homeward Residential transferred to OCWEN Servicing, LLC. again without proper notice and this has gone completely unresolved through no fault of my own.
I have also attached copies of documents that I just sent to Olans PC via certified mail and electronic mail on XX/XX/XXXX that address the validity of the loan and the " commercial loan '' factor, which appears to me to have something to do with XXXX XXXX whom I believed to be my former employer but based on evidence I have discovered over the past year, are reportedly my owner not employer.
If this loan is related to my employment with XXXX XXXX or my " association '' with XXXX XXXX, it was without my knowledge or consent. I applied for a job that was advertised by XXXX XXXX in the help wanted section of XXXX. I signed an employment agreement and I was paid via XXXX, participated or at least paid for benefits offered by XXXX XXXX including contributing to their XXXX since XXXX.
Yet, curiously, XXXX has no record of my employment nor the employment of anyone else that works at XXXX XXXX that obtained their credit reports which is concerning since XXXX is also the agency responsible for identify verification for the social security administration.
Also, when I attempted to get my XXXX credit report, the website asked me to verify my identify by answering questions based on information in my credit file. XXXX gave me the following question and options : " Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? XXXX XXXX, XXXX XXXX, Ocwen XXXX XXXX or XXXX XXXX, or None of the Above.
I guessed and selected Ocwen Financial Corp. and this was the correct answer. So Ocwen Servicing LLC is not Ocwen XXXX XXXX and neither is XXXX Bank ; although I understand XXXX Bank owns Ocwen XXXX XXXX. I have no records Ocwen being the creditor, I thought they were the servicer.
So, I would like to know who the creditor really was or is and I would like documents showing the funds actually being transferred from the initial loan to the person I purchased the house from. I want copies of all loan documents and terms. I want transactions records of all credits and debits and all insurance and taxes paid. I want to know who that loan disbursement was made to in XX/XX/XXXX and all documents I requested of XXXX XXXX in my letter dated XX/XX/XXXX in response to the debt collection action, including all documents that make them believe I owe the debt, as well as HUD settlement sheet, TILA Disclosures, copy of the Complete Mortgage, the Loan Note and Notice of Right of Rescission.
Please stop all other communication with me and with this address. Please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ) also report the debt is disputed.
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| 09/13/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I'll try and keep this as short as possible. Basically, my wife and I, had our lives turned upside down while I was admitted to a XXXX hospital for XXXX issues around XX/XX/XXXX. We had to file for Chapter XXXX bankruptcy on XX/XX/XXXX but wanted to keep the home and vehicles we had. We had an FHA Loan that was owned by GMAC. We went for a HAMP loan modification and had to submit the paperwork about 10 times because certain representatives kept on saying we were missing something which was a blatant lie and deceitful tactic that just elevated our frustration. We did file an inquiry on XX/XX/XXXX stating that GMAC wasn't complying nor assisting us with any means of saving our home. They kept on playing games with us by stating the paperwork was incomplete as we were being considered for one of HUD 's Loss Mitigation home retention plans. Our contacts were XXXX XXXX, XXXX XXXX and XXXX XXXX. The two people working for GMAC that weren't operating fairly were XXXX XXXX and XXXX XXXX. I have notes, dates, etc. that show how this company was deceiving me and my wife. Finally, we turned to XXXX XXXX XXXX out of XXXX AZ to help us. We paid them {$1500.00} to assist because of the deceitful tactics the GMAC representatives were doing to us.. To add to the pain and misery, XXXX XXXX was found to be a fraud company. On XX/XX/XXXX, eleven months after we filed for bankruptcy, our request for a loan modification was approved. It was declared as a Non-Hamp Loan Modification.The loan modification included a beginning interest rate was 3.750 %, principle deferment of {$0.00}, principle forgiveness of {$0.00}, a new payment of {$2000.00} ( originally {$2100.00} ) and made us liable for any outstanding fees and costs that may not have been included in the loan modification. To add to the sickness of this deal was that our original amount of the loan taken was {$270000.00} taken on XX/XX/XXXX. The NEW principle balance, after the loan modification, was {$300000.00}. So, they added {$30000.00} to our principle and started our loan over so that it was a 30 yr note, so we lost the four years of interest we paid on our home and the little amount that was applied to the principle. I ask, how is this legal to bury someone with a onset XXXX that began on XX/XX/XXXX which was legally recognized as an entitlement on XX/XX/XXXX. Dropping an interest rate by a few points doesn't help out at all if you're adding {$30000.00} to the principle and making us start the loan over after we paid solid for about four years? Unfortunately, the story gets worse because Ocwen takes over the loan and does absolutely nothing to assist me in getting rid of the GMAC bandaid! This bandaid was only going to put me back into the same situation after a few years because now the house is upside down like {$70000.00}? I have multiple statements, paperwork, signed documents, etc. The GMAC Account # was XXXX, the property address is XXXX XXXX XXXX, XXXX NH XXXX. We also were threatened by XXXX XXXX about foreclosure and that HUD would take ownership of the property while GMAC was playing games with us saying that the paperwork wasn't complete, even though we sent it in about ten times before they claimed they received it all ( after contacting HUD to assist ). So, Ocwen assumes the loan which is the same loan number and they use the same exact address as GMAC did while they held our loan. 3 years after we sign the worst loan modification ever, my roof has multiple leaks, water heater goes, wood is rotting near entryways while the exterior of the house becomes unbearable and unsafe for myself. and my family ( XXXX and XXXX year old children ). Now, we are still upside down like {$80000.00} and the exterior work needed to be done costs around {$25000.00} to allow for safe and clean living under our rotted roof! After about XXXX of not making mortgage payments to Ocwen, I finally decide to do a died-in-lieu with XXXX XXXX ( I think thats them ). Mind you, why would another company like XXXX take control of my loan when they know its in default and understand that the property is upside down by almost {$100000.00}? They offer {$3000.00} to get me pout of the house and sign it over to them. My questions and concerns are that no one ever offered us any way of getting our loan adjusted to a fair amount with a realistic principle that could've saved me and my family from leaving our dream home that we planned to create and share memories with for a lifetime. Instead, my wife and I almost get divorced and I basically lose my house two times. My mother moved into my home so that I could afford the mortgage but once the exterior started to rot, we all had to move because financially it didn ' ; t make sense to spend money on a home that was so upside down due to a loan modification that was ultimately going to blow up on myself and family. Unfortunately, everytime I've tried to make a claim, join a settlement and/or get reimbursed from the mortgage horror, I've been rejected and constantly never receive any call backs with answers. Now, I'm running into the wall of, " It's too late to file a claim ''? I don't think it's fair to someone like me, who is XXXX XXXX and has been shoved into so many unfair and unjust practices that these huge mortgage lenders created!!! Unfortunately, the CFPB was established right around the time of my horror show with GMAC and Ocwen! I would be extremely grateful if someone from here can find me some way to recover what has been lost! Ocwen always redirects me to GMAC while GMAC redirects me to Ocwen. I got lost in all the wrong places and my voice was never heard when I asked to be compensated for what has been done. Honestly, it's sickening that any company can still get away with these tactics because of uninformed consumers like me. Also, it's not fair that I've exposed the truth and did discover how unbelievable companies like Ocwen and Gmac were when they dealt with it's customer base and complaints. If my home resold for {$220000.00}, which it did, why couldn't I buy it from them for that amount? Why did my deal include a {$30000.00} addition to principle rather than a reduction. The reduction would've been justified due to the housing market collapse which negatively affected the true value and/or appraisal of the home. Instead, I get defeated by two big banks alongside HUD not doing enough to assist me while these unfair practices were being served to me with no one to monitor! Can someone please find me a way to gather resources lost and make this story into something positive? This ruined my entire life, put me on a XXXX XXXX and fractured my credit two times! The stress of all this also led to my wife and I filing for divorce! After our bankruptcy was filed, we had every intention of keeping our home but soon realized that our modification was the worst business deal I've ever been a part of! When your back is against the wall, you'll sign anything to keep your home. Especially since we had two young kids who deserved a nice yard with a playground and trampoline. Also, it was a dream for them to have their own bedrooms and a playroom for all their toys! This entire fiasco began around XX/XX/XXXX and finally ended with a deed-in-lieu that we signed about two years ago ( XXXX who got from Ocwen ). So, for six years, I struggled to keep this home that was {$80000.00} upside down. It was only a matter of time before the upkeep, needed repairs and other big expenses caught up to me! There has to be a way for me to get even and find a path, that may help me, in the future, to be a happy home-owner again? Finally, I have multiple notes, documents, invoices, agreements and letters from XXXX XXXX ' office and also the NH Banking Dept. that support all the claims I made today. With proper research, from agencies like the CFPB, I'm sure that my story will be supported and that there will be evidence that Ocwen, GMAC and even possibly HUD made very poor decisions and continued to partake in unfair practices that killed my financial situation while also stealing my home from me twice!
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, NH XXXX XXXX XXXX XXXX XXXX
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| 09/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I applied for a loan modification on XX/XX/2019, I submitted all documents in a timely manner however, PHH still had me to constantly update documents every three months due to expired documents. On XX/XX/2019, I called PHH Mortgage for modification status and was told by PHH associates congratulations your modification was approved and she gave details about the amount, when the first payment is due and they are mailing out the approval for us to have it witnessed by a notary, first payment is going to be XXXX XXXX with a trial period we were so thankful and excited and called the bankruptcy attorney that we were approved so we can file chapter XXXX. On XX/XX/2019 I gave PHH another call looking for the approval and they stated it was told to you, it was approved but it was a mistake and for us to resend more documents. I explained to the agent we were approved and he said yes the phh associate did document that she had informed us of the approval and to wait for the documents to come in the mail. He reassured us that we met the qualifications just send in the update information so they can update it ( see attached appeal explaining all the twist and turns of this entire journey ). I ask for phh to send a letter stating we were given false information regarding approval so we can get back in good standards with the bankruptcy court, which they refuse to state that they misled my husband and I from XX/XX/XXXX to XX/XX/XXXX, when we finally got the denial. I did an appeal stating details about our complaint which they denied. The problem is phh fraudly stated in writing we were never told we were approved but I have recordings from two separate phh associates stating that the caller did tell us we were approved and its also recorded that we met the requirements as well. I only want phh to address the fraudulent documents that was sent to my home giving a explanation on the XX/XX/XXXX call stating they never told me verbally I was approved. I only recorded phh because they were erasing call logs and replacing it with information that help there case. I need phh to give a transcript of that call in XX/XX/XXXX, to prove they are misleading clients and taking them for granted during some of there hardest time. I have recording of phh supervisors with the Id number proving phh did inform us of a verbal approval, all I ask for them to do is to admit the misleading information give to my husband and I. Im asking for a letter from phh associates to our bankruptcy court judge so we can work out another financial plan but they refuse instead they would rather create a fraudulent document. Im going to send a copy of the entire appeal so you can see the harassment and misleading information that cause us this hardship with my trustee.y, XX/XX/2019, XXXX XXXX, XXXX XXXX wrote : Im appealing your decision to approve our modification. I have given all documents in a timely manner and even when you allow three months to pass I gave you updated documents. On XX/XX/XXXX we called your modification department to check on the status and we were put on hold the lady came back and said the modification was approved she gave me the amount and when the first payment was due she stated they were mailing out the modification for us to get it Notarized, we were so relieved and bless with that information. On XX/XX/2019 we called back and ask what happened to the letter and he stated we need more updated documents, I was confused and ask him dont you see it was approved he said yes, but we just need to get a updated application. I couldnt believe what he was saying they ask my husband and I to do the entire thing over. I said to him this is harassment and its due to you guys withholding the approval, your employee reassured us that we met the requirements they just need a update application. I had this modification in process since XXXX of 2019, every time something was needed I was able to send the same day. I have proof that the modification was approved even though you guys illegally erased it on your system. I have the entire conversation on XX/XX/XXXX, recorded and its my proof to show you guys were discriminating against my husband and I. My husband income decrease and now Im in bankruptcy paying extra XXXX a month. Because your company took away the modification you had put us back in a financial hardship because we were waiting for the letter of approval. Your department didnt understand the extra income on my account so I explain its Social security for my adult XXXX daughter which I have to pay her bills and rent for every month, the XXXX a month is not my money its my XXXX daughter, another issue was the increase to my pay from XXXX to XXXX the purpose of this increase is for medical rentals and supplies I have XXXX medical fragile infants that need XXXX XXXX. Im hoping we can resolve this issue with out legal assistant because you took back the modification after you went to bankruptcy court your attorneys want me to agree to the unrealistic terms. Im losing sleep due to this situation and dealing with XXXX because you are giving out false information and removing transcribe notes from your system stating they did give us the approval. I believe my husband and I was treated unjustly with your company and has cause us now to be behind with the trustee because you said we were approved. If you can please give us the modification that was approved in XXXX this way I can get out of bankruptcy and consentrate on our mortgage. I have the recording showing your staff did give me the approval. I start recording due to your company erasing the XX/XX/2019 conversation witch stated the approval. I can be reach at XXXX XXXX XXXX at any time and if you need to listen to the recording let me know. One of your employees stated it was a mistake if thats the case why erase what your staff indicated to us, the approval, your staff reassured we were going to still have it approved just sent in the updated documents, which turned out to be the entire loan modification package, thats harassment.
Im really trying to keep my home especially since its modified to care for sick and XXXX children.
Please help us!
Sincerely, XXXX XXXX & XXXX XXXX Sent from XXXX XXXX for XXXX View lessThursday, XX/XX/2019, XXXX XXXX, XXXX XXXX wrote : Addendum to Appeal, dated XX/XX/2019 This is additional information that I received from your XXXX XXXX XXXX and your associates from PHH. Im very confused and will get straight to my point, I was told by PHH that XXXX XXXX disapprove the modification after careful review of the written denial it clearly states disapproval due to income and mortgage behind more then six months. However, whatever your reasons for denying the modification it still doesnt change the fact that I was approved on XX/XX/3019. This is causing such a snow ball hardship due to my bankruptcy attorney, judge, and trustee they was informed this loan was being modified. The confusion is now with my bankruptcy attorney and trustee because you gave my husband and I false information about the approval the attorney was preparing to discharge my bankruptcy even though we had a agreement for me to pay the trustee XXXX XXXX month plus mortgage. My husband and I just got the disapproval on XX/XX/2019 and this has yet put us behind again with the trustee and bank because we thought our loan was approved. Im asking for you to send s letter to my attorney and judge stating the false information given to us which cause us to be behind in the new agreement with the bankruptcy court. All of my conversations with PHH is recorded to show proof of how my husband and I was mislead. My family plan is to keep our home since its modified for XXXX and sick babies. Whatever the reasons for denial by XXXX XXXX it was revealed months to late. Please expedite this matter so we can focus on our very sick kids. Due to the false information you have now put my agreement with the courts 3 months behind including XXXX please help resolve this matter ASAP. I can be reached at XXXX Im begging for a solution to keep my home.
Sincerely
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| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX Consumer Financial Protection Bureau, I am in need of assistance. My homeowners insurance is not being paid in the amount of {$3500.00} since XX/XX/XXXX by my escrow account and now they have placed a forced insurance policy of {$2600.00} on my account.
I am including e-mails from myself to my insurance agent for a timeline and review of what was happening. Also, all the documents that XXXX XXXXPHH has been sent. I am including my divorce decree and 3rd party authorization as well.
When I first went to obtain new homeowners insurance, there needed to be an inspection which did not actually occur until XX/XX/XXXX so although the new policy was in effect from XX/XX/XXXX the billing and emails did not actually happen until XX/XX/XXXX. It came to light that this policy was not going to be the right policy and I switched to a different policy starting XX/XX/XXXX ( through XX/XX/XXXX ) but maintained continuous coverage.
The problem : The deed of the house is in my name, xxxxx xxxxxxx, and the loan to the house is in xxxx xxxx name ( x-husband ). I have been divorced since XX/XX/XXXX and immediately had the deed put in my name. This has been a very frustrating experience and I have spoken to many people who are unaware of what to do.
On XX/XX/XXXX I called XXXX XXXXPHH to clarify that the home now belonged to me and that I needed my homeowners insurance premium paid or they were threatening to cancel the policy on me. At the same time, XXXX XXXXPHH was sending threatening letters that they were going to add a forced insurance policy that the escrow would have to pay. The first 45 minutes of my call was with a gentlemen telling me that I had to assume the loan. I finally asked for his supervisor. While I was on hold waiting, I XXXX fixed rate mortgage assumption. The internet said a lot of loan interest fixed rate mortgage loans are not assumable. That was upsetting that the mortgage loan servicer was trying to send me a packet to fill out to assume a loan that he should have known was probably not assumable. I spoke to a supervisor and explained that I should be recognized on the loan and she said no, only the original borrower. Then I said that I had even signed a loan modification agreement in XXXX saying that I would be legally responsible for the debt since they used my income to approve the loan modification. I even spoke to that supervisors supervisor, nobody would help. At that point I asked what country and time it was. The person was in the XXXX and it was 5 am there ( middle of the afternoon where I was ). I gave up. Then I XXXX Fair Lending, the HUD handbook, as well as a few other things to find out a way to be recognized on the loan so I could get my homeowners insurance paid and not have another policy forced on me.
I called XXXX at XXXX of XXXX Iowa XXXX, he is listed as a HUD approved counselor in XXXX XXXX where I live. He did not know what I should do. He gave me information to call the Iowa Attorney General office at XXXX which I did and left a message with xxx, an XXXX. I also called Making XXXX XXXX XXXX and spoke to xxx client id # XXXX under xxx xxxxx who gave me to xxx from XXXX XXXX, he told me that my loan modification agreement did not make me a borrower and was unable to help me resolve my problem.
On XX/XX/XXXX I called xxxx xxxx, field office director for HUD XXXX. I was directed to HUD XXXX FHA at XXXX xxxHe escalated my claim to try and get help. I had no idea if the loan modification was FHA or not. I received a call back from xxxx at the Attorney Generals Office. She told me to get the loan into my name as soon as possible because the homeowners insurance had to also be in xxxx name since he was listed on the loan. She made me feel like I was trying to scam someone. I have paid my mortgage on time every month for years because we had come close to losing our home and it was very stressful! I was trying to get recognized as a party to the loan and she did not know how to help me.
Due to my call with xxxxx, I spent the weekend ( XXXX XXXX ) getting balances for every credit card, loan, and student loans that I had to pay. I then used some money to pay down some debt to figure out if I might be able to refinance the house into my name. I have too high a debt to income ratio to qualify. I am currently helping XXXX of my children financially to attend college. I had hoped to pay off all of my credit cards but I recently had a roof leak and the quote to fix it is $ XXXX, my daughters car broke down due to the engine and I had to buy her a different one so she can drive back and forth to the XXXX college 10 miles away. I am just simply unable to do a refinance at this time. Again, I pay everything on-time every month.
On XX/XX/XXXX I sent two letters to XXXX XXXXPHH regarding my homeowners insurance and getting it paid. They had already been sent proof of insurance on XX/XX/XXXX but sent me a letter says the insurance was not in XXXX name, the original borrower, so they would not accept it. I sent additional information.
After more emails with my insurance agent I sent in my 3rd party authorization form to FHA to try to determine the type of loan modification. I was being told it was only a piece of papera formand meant nothing. It could not help me be recognized on the loan. They sent an email back with additional information. That is how I found the CFPB.
On XX/XX/XXXX I called XXXX XXXX/PHH to find out if they had received my letters that I sent out on XX/XX/XXXX and possibly had made some changes to my account. They had not and I was informed that the insurance made a payout to XXXX XXXX Co on XXXX in the amount of {$880.00}. This is not my insurance company. Before I called I had looked on the CFPB website and saw the successor in interest ruling in XXXX. When speaking to the gentlemen I asked him why they never told me about this and why I am not recognized as a successor in interest and he had no idea what I was talking about. He said he would send me a packet to fill out. When I asked what the package was he said is was to assume the loan. I told him no that is not what I am doing. He had to put me on hold then came back and said he would send me a letter and it was computer generated so it would be XXXX business days before I would receive the letter saying what I needed to send in. I asked if there was someone there that could read it to me so I could send whatever information that they needed today because I owed almost {$3600.00} and it was very overdue. He said no. He put me on hold for XXXX minutes waiting to talk to the Homeowners insurance department to find out what the {$880.00} was. I hung up and called back and was on hold for another hour and a half until a message came on and said that they were sorry they could not connect me to a representative and they hung up.
At this point, I feel that you are my last hope to resolve this situation. With the successor in interest information on your site, I believe that I qualify. I received my home in my divorce ( divorce decree p 5 of 6, part 7, second paragraph ). It also says that I should not have had to actually say the specific words successor in interest for the mortgage servicer to help me. They should have sent out a packet of information to confirm me when my insurance agent sent them a copy of the county tax site online that listed me as the owner of the home and her explanation that I received it through a divorce back on XX/XX/XXXX. Had they done that, I would not have been forced to pay for an insurance policy in my x-husband name and my insurance policy would have been recognized and paid in a timely manner.
Please help me to obtain successor in interest status with my mortgage servicer so that they will recognize me on the loan and pay my insurance bill. Please help me get the forced insurance removed and any portion usedreturned as they did not follow the rules/guidelines. I could have been confirmed prior to a forced insurance policy had they followed the rules.
Thank you for your assistance,
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| 12/12/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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I am filing this complaint again but as a new complaint. This complaint or concerns have been filed numerous amount of times throughout the last XXXX years. This complaint or shall I say the first few complaints were filed by my Mother and then by the both of us for years. But we never got a response or was provided a resolution. This complaint stems from a reverse mortgage provided by XXXX XXXX XXXX and later serviced by XXXX ( Reverse Mortgage Solutions ) located in Texas, but contract signed in XXXX XXXX Florida. Although, on medication she was constantly pressured into signing because it would help to pay her XXXX years of delinquent property taxes, her federal student loan that was late, and some medical bills while she continued to tell them she did not need so much money.
This was a contract that was coerced, tricked, pressured into signing and as a result it was a scheme it appears or just plain fraud. There was funds promised if this loan/mortgage was signed and the funds were never provided as promised on the day it was contracted or signed. Although, the borrower ( XXXX ) did not understand without the brochures provided, being shown tv advertisements and believing what was told on that day of signing the mortgage or loan. It was told that the funds would be mailed or deposited into the provided account in a few days but this never happened. That is when borrower began to call repeatedly, borrower ( we ) began to send letters throughout the years asking them to correct the errors or literally just send the money or cancel or void the entire loan. She continued asking for the funds to be provided and it never happened. Every time this was ask sometimes a response would come in the form of providing a HUD XXXX XXXX XXXX, but never a copy of check cashed, to whom, where and when would ever be provided. Later, after retaining a lawyer this error request for correction and the whereabout of the funds were requested in XXXX and discovered that these funds were paid to a company XXXX American Home ) that the borrower never owed, nor ever had a business relationship with ever.
Therefore, the borrower did not owe anyone in the amount of {$110000.00} in which the lender said they paid on behalf of the borrower, But again, the borrower signed to get funds paid to her as promised, while forced and pressured to sign to get these funds she was never told about owing any one until years later after desperately trying to locate the funds promised to her. Once she realized this was fraud she continued sending letters to XXXX, XXXX XXXX XXXX, and many other agencies trying to get this fraud corrected, this also included a XXXX XXXX. We also asked her then lawyers to find out about the loan or so called mortgage with American Home, at that time this company said, " they had never heard of the borrower, and she had no loan with them ''. So again the question proposed to XXXX XXXX XXXX and XXXX continued to be, where was the money and why was this loan not cancelled or voided? We have been asking for years for the proof of the owed amount, contract with when and who have been paying for this loan ( American Home ) before taking out a XXXX Mortgage. Now we began earlier this year asking the new servicer PHH to provide the same thing, and again they are providing the same thing the payment plan and the HUD XXXX XXXX XXXX, But never what is requested because this loan was and is a fraud from its inception.
Since there is a balance it was asked repeatedly and to date it has never been provided. Unfortunately, my XXXX 's presence and my promise to never stop until this correction is made, I am not receiving the same that as been asked by both my XXXX and myself, proof of the so called owed amount to American Home. I have since been asking for assistance in this process and error correction. Now I was promised this would be provided and it has not been yet. Also, since this request has been made since XXXX of this year with PHH, and have not received this proof yet. But while awaiting this proof I am in the process of also asking for the disability-death benefit taken out at the time contract was signed, it was paid for at that time. It has never been paid once requested in XXXX, again XXXX and now in XXXX. This benefit policy as not been honored as the contract or reverse mortgage as not been funded. Also, how this reverse mortgage proceeded when a counseling session never took place and so many violations occurred. The policy was never followed while the funds were stolen and never paid to the borrower, an elderly person defrauded once again. This title should have been cleared or mortgage voided long time ago, someone should be able to show where this money went. It seems " XXXX XXXX Dreams '' was real and we were victims. Now I am in the process of qualifying for a loan-mortgage that was never paid or funded in the beginning. Because of XXXX XXXX and XXXX XXXX delays causing financial delays of financing and asking and receiving the proof of the payout to this fake company XXXX American Home ) and to whom was paid because there was no loan-lien owed XXXX the borrower and by the way to which property or to whom property was this lien-loan attached to, because it was not this property. I recently asked for another extension allowing for the benefit of {$300000.00} taken and paid at the closing of this loan-reverse mortgage to be provided, and to extend an additional XXXX months so that I could be provided what we have been asking for years ( XXXX of where the funds were paid to and why? ) and allow for additional assistance due to financial loss as a result of XXXX XXXX and XXXX XXXX. Recently asked and never received an answer after XXXX letters mailed and requested beginning XX/XX/XXXX. The only response I received last week was about some marketing opportunity to sale the property is not what I want, to sale. Yet, they are trying to allow an attorney who as ethically insinuated himself regarding this property. Yet, they have not provided proof of where those funds were paid and to whom if anyone, because it was not the borrower. My Mother worked hard for years to purchase our family home, but that was not so someone to steal hard earnings earned and dream as a home owner ( equity ). That is why with a line of credit was never taken out, because the funds was never given in the beginning. This is another elderly that was taken advantaged of for their personal gain, a victim of abuse in this transaction. Where was her restitution or correction of this scheme to defraud, apparently the XXXX XXXX XXXX showed the wrong information regarding this American Home , that was wrong and did not apply to the borrower or was a fraud. Did they really pay off a mortgage-loan on behalf of the borrower? Were everything followed within the policy. I am trying to receive an extension to receive all mentioned above issues, and to obtained funding to absolve the balance. PHH promised to grant an additional extension while promising to provide the documents I am requesting, now they have not provided me the extension only to provide marketing information. I am not selling when there are benefit policy amount over $ XXXX and I am also again going through a finance company. I am looking forward through investigation receiving a documented signed contract copy with American Home with the borrower on a property which I know is not this one because this contract is not in existence because the borrower never entered into such a contract. All of this is and was to defraud the elderly borrower. I am going to gain the financing through alternate means, but why and yet it is required to secure. The dates of dispute began weeks and months after the promise of funding and never receiving the funds. In the beginning not knowing that {$110000.00} was paid to American Home for years. A fake company we knew nothing about. If other documents are needed please request. Although, uploaded a couple anyways. The uploaded documents may show personal information
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| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I am under understanding that Ocwen should honestly reply to the real question asked not to tell story that has nothing to do with the case mention. The reply from Ocwen is coming from an extremely incompetent person from XXXX XXXX XXXX that has no knowledge about banking a person that is better off working cleaning streets in XXXX. This incompetent and arrogant person force me to go onXX/XX/XXXX to XXXX in order to file criminal charges against him and his entire family for fraud lies arrogance and force documents presented by him to my family. XXXX XXXX sent my family a lot of fraudulent document in order to justify their abuses and fraud. Those doc will be official tested in XXXX since each printer has IP address of the person using it and from there I will deal with this criminal activity. I win my legal case at the Superior Court in XXXX I am sure of it and after it I will spend as much time in XXXX until this lair will pay for each stolen or damage item from my property. He consider that XXXX lay can apply to America but this will not be allow by me and my family First I do not have mortgage and my name is not on their Mortgage Note and they sent only forge documents in order to justify their fraud. I will go to XXXX go to the Mayor of the City and local Police to explain my situation and prepare my criminal charges against XXXX XXXX and his family and collect all those XXXX law that this arrogant try to use in USA. It is clear that this company specialized in lying defrauding organizing criminal activity against peoples property in order to foreclose and all this is done behind people back so they can abuse and then lie to CFPB. If they think that I can stop they are in for a very big surprised. First I will never ever stop. Second we are going to be in the Court for the next 50 years from Criminal Court to all other Courts and I will not stop until they lose their license obtain only to defraud people. My question is related to a total different property NY so you can not close the case. Second they replay not for NY property where they sent criminals to XXXX, vandalize abuse making scandals at a NY property and reply to a Pennsylvanias property and CFPB close the case Please keep it open and penalize them for their fraud activity by sending people to inspect my property in order to charge me once a week inspection fees although I will stay in the house and I will win my case against this abusive Ocwen in the Court of law. Ocwen used real hooligans to vandalize my property steal garden decoration or break solar lamps. They also use forge documents to an account that started with a fixed rate and now is adjustable rate. It is time to stop abusing my property. I will never be intimidate and I will protect my property until all is clear from this massive fraud. I am the sole owner and is time Ocwen stop abusing my property and in particular they must stop sending criminals under false pretest to XXXX inside my property? On XX/XX/XXXXOcwen sent another hooligan to visit my property and after walking all over and took picture he also took picture of my neighbor main entry and his property too. It is not clear if this was taken in order to try later one to defraud him since in our aria there is burglary. Since he is diplomat and since I was not home he went out asking this hooligan what is he doing taking photo and this hooligan almost start fighting my neighbor because he works for Ocwen a company that abuse and defraud people. My neighbor stated very clear that next time he will go out and if necessary he will not hesitate to make a very big scandal so the incident will be reported in press and TV. A solar lamp belong to my neighbor was also broken and I had to buy it back to him. How long Ocwen send hooligans to abuse my property? Due they have trespassing permission or is a standard abuse done intentionally by this horrible institution. I no longer do this. The neighbor report the incident against Ocwen to Department if Justice, police, and State Department since is not the first time. I am writing this incidents to the Chairman of Ocwen and he ignore this each week. It is time to stop abusing my property, stop using forge documents, stop modifying the account illegal and against our Government proposal to help customers not defraud them They try to increase the monthly payment from {$3000.00} to {$25000.00} since this is no modification this is fraud. How long can Ocwen send hooligan to XXXX inside my property. How many criminals you intend to send to my property. Two months ago my neighbor inform me that Ocwen sent a criminal that after taking photo he XXXX at the garbage aria and after he finish he put a filthy carpet and kneeled in front of it and start praying. The Police was called, the bomb squad and Ocwen name now is all over those lists. Now Dept. of Finance will investigate against Ocwen so is time to stop vandalizing my property STOP, Again and Again XXXX XXXX ignores me and continue to send abuser to take picture and XXXX on my neighbors properties. The next abuser I find inside my property I will guarantee will be arrested. Ocwen continue to ignore all my letters concerning those abuses so I need CFPB to ask them to reply. My wife is a victim of banking fraud but for this there are Courts that can look into it. I reported this case to the Office of Attorney General as well As OTHER IMPORTANT Departments so in the future if they intend to send such hooligans again we can file criminal charges against the CEO as well as those people. I pray that his family will face a similar barbaric situation and I will be curious to see his reaction. I was told that 3 neighbors complained about Ocwen and their CEO personally to the State Department and we are going to see what will be next so they must STOP abusing my property. STOP. Why are Ocwen allowing this? My neighbor asked me if those criminal taking picture do this so they can burglar later on their house. I told them to make an official complain to the local Police and State Department to Justice Department to FDIC, Fed Reserve, Attorney General and so on. Why such hooligans are sent to private property and confuse it with Ocwens toilet? How do Ocwen feels if in their private property there is a similar incident? They sent hooligans showing off his XXXX XXXX to my neighbor a diplomat and he sent a photo to State Department asking them for clarification. Is this a new sick joke or is another form of abuse order by Ocwen? Almost nine months one of your Representative came at my property XXXX behind a big tree and acting very strange not knowing if he was under narcotic influence or alcoholic. He was extremely rude when he was asked what he was doing and he jump in a car and left very fast once people start coming in the street. He took picture of my property as well as other property and after it he start picking through the windows of my neighbors. Is the policy of Ocwen picking through the Window of a Diplomat house? The Diplomat file an official protest to the Secretary of State so such rude individuals will never come to visit our property again. We inform the police that Ocwen INTENTIONALLY terrorize my family and neighbors. I was told that the only reason this person under influence did not come inside my property was due to the fact that the Gardner was there. I expect this abuse to be the last one since is uncivilized to send such rude people to a property so he can defraud other property. Ocwen lied to me, abuse me and allow my property to be defrauded. As mention before Ocwen will be investigated by the office of Attorney General by Department of Finance too and by the similar office from Florida, NY, NJ, Pennsylvania, Georgia and by The House of Representatives which started the investigation as well as Department of Justice. FDIC, SEC CFPB, Fed Reserve and a few others too. I am also preparing my legal case against Ocwen abusive and deceiving institution as well as the one against the family of XXXX XXXX too.
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| 03/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Complaint Re : Consumer Complaint Division Comes Now, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX, first being duly affirmed, standing squarely, declared, and proclaim, upon Divine Law ; Natures Law ; Universal Laws ; International Laws ; Constitution Laws ; Declare and Declare to say : Introduction XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, PHH Mortgage Services XXXX XXXX : are the names of the companies that have been engaging in acts that are illegal, predatory, unfair, and deceptive are all violating federal fair lending laws.
XXXX. It has come to my attention that you are involved in the attempted foreclosure on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida [ XXXX ] where documented fraud has occurred. This is my Constructive Notice to you that I have discovered extensive fraud in regard to the mortgage and property taxes, transactions associated with it on certain real property as noted below.
Statement of Facts 3. In mens rea, the intention or knowledge of wrongdoing that constitutes part of a crime, as opposed to the action or conduct of the accused, a mistaken belief in consent meant that the plaintiff/defendant/accused/ lacked mens rea. The county clerk is not meeting these requirements and other statutory requirements. We have noted the following findings, which are detailed in the subsequent findings : Complaint and Facts Law Firm : 4. Plaintiff refused full payment when it was offered, they are asking the court to require me to agree to : Unconscionable contract : This is if the contract offers a large amount of benefits to one party and almost none to the other. Essentially, an unconscionable contract is when one party takes advantage of the other.
XXXX. On XX/XX/XXXX at XXXX pm I was email a hearing which was improperly notifying me of this date with a short notice only four days for a zoom hearing. So, I had to hurry and file some paperwork at the clerk of courts and no time to mail the paperwork to the attorneys. So I sent a process server to serve the paperwork to the attorney firm. And at that time ( RSA ) XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Attorney for the plaintiff told process server ( XXXX XXXX ) they no longer work for XXXXXXXX XXXX and refuse the paperwork. After this happen the hearing date was changed to a week later so I could be properly notice. XXXX Lie in the mouths of lawyers the concrete signification in quite unusual. They speak habitually of law, of the rules of law, of legal principles, but rarely of a law or of the laws. When they have occasion to express the concrete idea, they avoid the vague generic expression, and speak of some particular species of law a statute. Act of Parliament, by-law, or rule of court. The Law of Torts, AmJur pg., 30 XXXX. XXXX - XXXX are not allowed to write in facts their licensed to lie, and the syntax grammar is written in XXXX, XXXX. XXXX - XXXX, dont used prepositional phrases. Learn : No Facts Shall Be Tried in Court of Law. Speech knows that an adverb is negative. Facts : Verbs are negative words as they pertains to facts. Noteworthy : XXXX XXXX XXXX, by following the correct rules, liars dont speak, talk, or write in the t-Ruth.
XXXX XXXX XXXX : 6. On the subject matter of verification for the payment of taxes on the said property known as : c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL. [ XXXX ] Ive resided at this location for ( XXXX ) years, and in recent times my rights have been violated by the Property XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im referencing on several instances, the tax payments records have been manipulated in the favor of XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ongoing litigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has committed fraud against a senior adult in Filings My case documents I found as a pro se person and my name is XXXX XXXX XXXX XXXX the clerk of courts has filed all my documents under XXXX XXXX XXXX XXXX which is committing fraud against a senior adult.
8. You have hereby been legally notified of this fraud and your involvement, whether knowingly or unknowingly, and you therefore may make no future claim of a lack of knowledge of these criminal activities, and your participation therein, which could absolve you of liability or culpability. It is my intent to pursue any and all legal remedies against any and all participants regarding these fraudulent acts. The bonding companies of those involved will be notified of claims regarding the civil matters. Conduct yourself accordingly.
Remedy and Conclusion 9. Im the secured party not seen or been presented with any admissible evidence which demonstrates that, primarily, the Bond to Discharge Debt is anything other than the main remedy provided by the Creator in XXXX XXXX to enable His People to be released from bondage and to serve Him in these end times as His special holy nation in direct fulfillment of the type and example provided by the Israelites when they were freed from XXXX, and believe that none exists.
See : HOLDER IN DUE COURSE. A holder who has taken a bill of exchange ( check or note ) complete and regular on the face of it, under the following conditions, namely : ( a ) That he became the hold- er of it before it was overdue, and without notice that it had been previously dishonored, if such was the fact. ( b ) That he took the bill ( check or note ) in good faith and for value, and that at the time it was negotiated to him he had no notice of any defect in the title of the person who negotiated Uniform Negotiable Instrument Act, XXXX ; XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX.
The United States Constitution Article 1 Section 10 Clause 1 : the Obligations of Contracts Clause No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Beware : Fraud vitiates ALL! Nothing from the beginning is real or lawful. It is all fraud. It is all fiction. It is all null and void! See : United States v. XXXX, ( XXXX XXXX XXXX XXXX Supreme Court XXXX ) that fraud vitiates everything.
XXXX vitiates every thing, and a judgment equally with a contract ; that is, a judgment obtained directly by fraud, and not merely a judgment founded on a fraudulent instrument ; for, in general, the court will not go again into the merits of an action for the purpose of detecting and annulling the fraud.... Likewise, there are few exceptions to the rule that equity will not go behind the judgment to interpose in the cause itself, but only when there was some hindrance besides the negligence of the defendant, in presenting the defence in the legal action. There is an old case in South Carolina to the effect that fraud in obtaining a bill of sale would justify equitable interference as to the judgment obtained thereon. But I judge it stands almost or quite alone, and has no weight as a precedent. United States v. XXXX, Paragraph 16 Respectfully submitted on XXXX of XXXX XXXX Dated : XX/XX/XXXX By : XXXX, XXXX XXXX XXXX ] XXXX XXXX XXXX, XXXX, Beneficiary Affidavit XXXX XXXX XXXX XXXX XXXX United States Code XXXX XXXX XXXX See XXXX vs. XXXX XXXX XXXX XXXX Title XXXX, held affidavit sworn true and correct under penalty of perjury has full force of law and does not have to be verified by Notary Public to have same effect.
Noteworthy : An unrebutted Affidavit stands and the law of the facts CERTIFICATE OF SERVICE The forgoing presentment ( XXXX ) was served upon the all parties herein, pertaining upon this matter, XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PHH Mortgage Services XXXX XXXX
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| 09/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Our mortgage history : We filed for Bankruptcy ( BK ) to save our home from Foreclosure XXXX as advised by XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( trustee and investor of IndyMac Bank now XXXX XXXX XXXX ) filed Relief from Stay. The BK Judge noted that our loan has a defective note for the fact that the loan was only under my husband 's name and only his signatures were on the loan docs. The property was our primary residence and was recorded under our names as husband and wife, joint tenancy ( we were married XXXX ). Ocwen Loan Servicing , LLC ( who is the servicing company of IndyMac Bank/XXXX XXXX XXXX ) just sent us a notice dated XX/XX/XXXX saying they will foreclose our property in 30 days. We tried to apply for loan modification which they offered us, before we filed for BK but we were denied after they required us to send a money order of the new monthly payment {$1600.00} with our loan modification application ( we have copies of their offer and the payment we sent ). Our payment went up to {$3200.00}. We can't afford that kind of monthly payment. At that time, we were both still working. My husband is retired now ( he's XXXX yrs. old ) and I stopped working XXXX XXXX. I was on XXXX from XXXX XXXX to XXXX XXXX. I have 5 XXXX XXXX, have other medical problems We were denied of the loan modification. They gave us false Hope! We have to admit, we were ignorant and naive about the rules/laws or clueless and unsuspecting of any violation committed due to our lack of understanding ( XXXX is not our first language ) .I remember, the loan papers were just brought by a notary person to our residence. Since she was not a loan officer, there was no explanation about the loan or documents. She just verified the identification and took the signatures needed from my husband. I just learned that this is considered as a predatory loan besides the homestead code violation. It is my understanding that imposing unfair and abusive loan terms on borrowers, often through aggressive sales tactics, taking advantage of a borrower 's lack of understanding of complicated transactions is an outright deception.
Another legal argument of our BK lawyer with the bank lawyer to oppose the Motion for Relief from Stay was : A community estate and a joint tenancy between a spouses can not exist at the same time in the same property. The reasoning was that the unity of interest was lacking between husband and wife, because at that time ( XXXX ) only husband and wife had exclusive equal rights of management and control. In a join tenancy, the right of survivorship precludes the community property ( California Probate Code XXXX ) Where a true joint tenancy between husband and wife exists the interest of each precludes the community should be their separate property Post marital creditors of one spouse share of a true joint tenancy ( California Family XXXX ) Regardless of the state of the title property must be either one or the other. It can not be both.When spouses take title of a joint tenancy, each spouse holds his or her own interest as separate property under California law if the community property presumption is overcome ( XXXX.
The BK Judge even said, that the mortgage loan is defective ( I have a certified copy of the hearing transcrpt if needed ).
This is only partial of the our situation/experience with IndyMac/XXXX XXXX XXXX . Ocwen is the Servicer but XXXX XXXX is the trustee who filed a Judicial Foreclose against my husband on XXXX.
In this lawsuit XXXX ( see attached copy of their case where they admitted that the Deed of Trust was mistakenly not recorded. Also they stated that they were unable to locate and obtain an assignment transferring interest as encumbered by the Deed of Trust. Thefore a break in the chain of assignments has occurred. They admitted that the Deed of Trust was Mistakenly not recorded. Also they stated that they were unable to locate and obtain an assignment transferring interest as encumbered by the Deed of Trust directly to XXXX ( the bank ) therefore has a break in the chain of assignments has occurred and the bank must request a Judicial determination of the Court to foreclose our property, XXXX XXXX ( the original loan holder ) has ceased operations & no longer in business. As a defunct ntity with no employees, there is no one remaining capable of executing an assignment.
The bank is informed and believes and alleged that as a result of an unrecorded and missing assignment, a break in the recorded chain of assignment exist The bank and the foreclosure trustee may not be able to conduct a non-judicial foreclosure sale and the bank must request a Judicial determination of the Court to foreclose this subject property, Loan Experts ( the original loan holder ) has ceased operations and no longer in business. As a defunct they admitted that the Deed of Trust to the Plaintiff was Mistakenly not recorded. Also they stated that they were unable to locate and obtain an assignment transferring interest as encumbered by the Deed of Trust directly to Plaintiff ( XXXX ), therefore a break in the chain of assignments has occurred and Plaintiff must request a Judicial determination of the Court to foreclose this subject property, Loan Experts ( the original loan holder ) has ceased operations and no longer in business. As a defunct entity with no employees, there is no one remaining capable of executing an executing an assignment. XXXX is informed and believes and alleged that as result of the unrecorded and missing assignment, a break in the recorded chain of assignment exists. The bank and the foreclosure trustee may not be able to conduct a non-judicial foreclosure.
This case was withdrawn by XXXX XXXX but on XX/XX/XXXX, they did a Non Judicial Foreclosure on our property. We are still occupying the property because we have nowhere to go but we fear and very scared that we might be forced to leave anytime.We might get evicted anytime specially if the eviction hold ends this end of XXXX ( if not extended ). We are seniors and with housing crisis in the bay srea, we might end up in the streets.
We are not trying to get this property for free but if they can give us a loan modification with the low interest with the {$500000.00} bad loan they gave us before, maybe we can still save the property. My son is willing to help us pay some monthly mortgage payment. We are on fixed income ( SS pension ). Maybe we can sell the property and they can just get the 1/2 interest value of my husband since the loan was under his name only ( I dont have any signature on the mortgage loan ). I assumed, they can not legally transfer the Deed of the property since they dont have unrecorded and missing /void assignments ( as they admitted ) plus I have my name in the original Deed of Trust.They violated my rights as a spouse who have 1/2 interest in the property ( as a joint tenancy ).
We filed for Wrongful Foreclosure ( after the Non-Judicial Foreclosure on XXXX XXXX ) but it did never went to Trial. It was Demurred because they alleged that I signed a waiver or assigned the property to my husband married man, as sole and separate property. I denied this allegation. Who in a right mind will sign something like this? They have high caliver lawyers while we can only afford to maintain a lawyer but just a pro bono services ( we pay only what they do to us ). Our case was mishandled.
If they want, we can sell the property but only the 1/2 value can go to them. The 1/2 value goes to the spouse since this is a joint tenancy.
Whatever remedy you think is fair and right, please help us negotiate with the bank. They have a history of unfair practices and mortgage fraud ( I have articles that proves the allegations ) See attachments ) Can I fax or send the attachment separately via email? I have pages of documents to send. Can u give me your email please? I am not good in sending attachment. Sorry Thanks so much.
Mrs XXXX XXXX
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| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/XXXX, Ocwen sending me a paper expressing their changing this part of their servicing to PHH, with the intention of starting this " criminal behavior '' once again! Stating in this paper that " Under Federal Law '', that during a 60 day period that there would be NO late charges added to the account! However, during this period, they ( You ) should have been accepting payments by phone ( for FREE, which should be Free ALL of the Time ) until you had ALL of the loans working properly & able to be paid " Online '' ( as they were before this with Ocwen )! The fact that during my calls, I was told that they have given me an employee, assigned to me, " XXXX XXXX '' as my " Point of Contact '' in your company, and as many times as I have called you during this period, AND have requested a call back from him ... I still have NOT heard one peep or email, phone call or otherwise! Why would you even have an employee assigned to me, If they had NO intention of contacting me!?!
Now, During " MANY '' discussions with your employees, from " Customer Service '' to " Heads of Retention '' ... I have learned that Ocwen owns PHH & ALL they had to do was keep it like it was & just transferred those accounts over to your " Processing Dept. '' ...
Instead, you chose to " Change '' our account # 's to make it " More '' complicated & what, give yourselves a reason to keep me from being able to pay my mortgage ( that by previous facts I should " Own Outright & Clear '' ) ... shows me that you think you can " TRY '' & ruin me again, maybe extort MY {$300000.00} in equity ( at this time ) ... The Fact that your " Head '' told me that there are two conflicting " Codes '' on my loan, and when asked when those codes were put on there, I was given the date of this transference, XX/XX/XXXX ... That shows that you created this problem!! During this period, not one of your employees offered to take the payment over the phone ( No, I had to ask ) & they told me that they were unable to " Because of this conflicting Coding '' ... I figured by at least before XX/XX/XXXXthat they would have it figured out, but NO, they told me it was in " Retention '' ( I about blew a gasket, & questioned " Is this Criminality starting all over again '' ) ...
In XX/XX/XXXX, I was told to write you this letter expressing my concerns, that which I believe I am owed, why my title should signed & handed over to me, that if my Credit is even touched, I will sue this company for it's creation of creating delinquency to extort my property XXXX & possibly others, that IS Predatory Lending ), and I WILL OWN this Property " Free & Clear '', Make NO Mistake on that Truth!!
I am DONE with this type of " Criminal Behavior '' & I Will Change the Ability for this type of behavior to continue by changing the mortgage laws & servicing of them, including this idiotic amortization ( the biggest scam & criminal acts by the banking industry to weaken the people, which in turn, weakens the banks )! Our family owned a Bank for 109 years & sold for more than any bank in the country % wise ( Old Money )!
Enough IS Enough ... Handle your business with truth, transparency & Integrity ... and take care of this problem immediately! ( BTW ... This was sent in XX/XX/XXXX) ... & Now to be continued ( since PHH/Ocwen " Still '' hasn't fixed this problem ... now XX/XX/XXXX ) ... a full 9 months later & where do we stand now? What has happened since the previous demand letter? Here it goes, as follows ; I continued my checking on the status of my account to see if there was any progress each month ( multiple times per month ) ... each time I tried I would go into my account, click on " one time payment '' ( at least until they changed the layout/website to the " New Portal '' ) ... once I clicked on it, it would take me to a new payment window. That window, once it loaded would say " Unable to make payment at this time '' ... EVERYTIME! With the " New Portal '' website change in XX/XX/XXXX( approx. ), it doesn't take you to a new page, instead you have to click on your payment amount & below in the box, up pops the same line as before, but now say 's " You can not make a payment at this time ... Please call XXXX '' ... According to your paper sent to me on XX/XX/XXXX ; " Your bill is now available online for you to view and pay '' ( another lie ... because it still doesn't work )!
Back in XX/XX/XXXX, I was supposed to be able to talk to XXXX XXXX who was supposed to be my " new '' point of contact ... but all I got was a letter from her saying that they screwed up with some letter that they ( PHH ) sent me & to disregard it ...??
Finally in XX/XX/XXXX, I was able to reach someone else in your " Escalated Case Management Dept. '' by the name of XXXX! She didn't return my call as promised, initially, but has been in communication with me since! She believed that there is a discrepancy in the interest that I was charged and that may be part of the problem with this coding that was put on my account when PHH initially received it! The one thing that we did discuss ( just as I had wrote in this earlier part of this demand letter ) is that ... " If my credit score was hit I would be taking your company to court here in AZ and be filing with the Attorney Generals office. '' However, even though she told me that they haven't, when I got online and checked my score, it was hit and taken down XXXX points from XXXX to XXXX which has me very upset!! So I just recently checked it again and it was hit again another XXXX points so now I am at XXXX ... and even more upset!!!
Due to these indiscretions by your company, I am going to make you a couple of offers on how we can avoid court ( and a waste of everyone 's time & expense ) for something that was completely caused by your companies ( Ocwen & PHH ) creation of this, what should have easily been a " simple '' transition and is definitely NOT!
... Returning from a trip ... the date now XX/XX/XXXX ... and still NO response from All the information that XXXX requested, including resolutions to this matter, that I sent over 2 weeks ago. If you are considering the 1st of my resolutions, then I commend you and that may take awhile to calculate properly, however, you should be informing me by now of the direction that you are going to take, because of the recent checking on my FICO Score ( that you have hit once again ) has now been dropped another XXXX points, for a now total of XXXX points since XXXX ( XXXX points 1st time, then XXXX the 2nd time ) ... I warned you where this will lead you! I suggest a quick resolution with me this week ... as I WILL be filing my complaints with AZ Attorney XXXX XXXX, the CFPB, A few Senators, the OCC & the FDIC ... and the President of your company ( ies )!! ( also, the press ... people need to know what you're up to { the " New Scam '' } & what to expect ).
I just faxed XXXX a couple more pages and will be faxing this continuation of my demand letter in regards to your continuing criminal act against me ... It has now been 10 months of your non compliance with Federal regulations or access to my account online!
I need to hear from you XXXX or whom ever is in charge of making the proper decision and immediately fix that which you created and ruined!
Date ... XX/XX/XXXX ... Still NO response from you in writing or by phone ( Diamond you have had my cell number for nearing 2 months now ) & NO return call or acknowledgement of your receipt of my faxed paperwork that you requested! What is going on with this company?? Please call today!
... & Now it's the XX/XX/XXXX ... & still NO contact only by email stating : Dear XXXX XXXX : A statement is now available online for you to review. For more information, please log onto http : /XX/XX/XXXX.
Please do not respond to this e-mail as it will be sent to an unmonitored e-mail box.
... And it still doesn't work ( same information as written earlier in this letter )!
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| 08/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I found out today that PHH Mortgage has been rejecting my mortgage payments for months without notifying me. I have contacted PHH Mortgage on multiple occasions over discrepancies in my payments.
I could not understand why they were saying I was behind several months and I have payment receipts from XXXX showing that I could not have been behind the amount of months they were stating.
I had filed complaints with the TN State Attorney General 's Office, the CFPB and the XXXX of New Jersey. I had also filed formal complaints with both Ocwen Loan Servicing and PHH ( who they now own ).
In all of these communications, not one time, did PHH Mortgage notify me that for several months they were silently rejecting the payments I had been making by XXXX. My payments had been sitting in XXXX waiting to be refunded for MONTHS. I had no clue.
No idea.
PHH Mortgage had ample opportunity to tell me that they were doing this. I just found out today on a phone call with PHH Mortgage where I gave a supervisor all of my reference numbers for the XXXX payments including the date and time the payment was made. The supervisor looked in the system and told me that he wasn't showing the payments and he put me on hold. He came back to the phone to notify me of the rejection.
So PHH Mortgage was negligent in the mortgage servicing of my loan by failing to inform me that my payments were rejected and they waited until I was several months behind to demand an inflated lump sum and the man today gave me 20 days to pay {$5000.00} to bring my loan current.
It's as if PHH Mortgage intentionally let me get this far behind to try and take my home.
PHH mortgage is worse than Ocwen Loan Servicing.
I have had several conversations with its agents and been told on multiple occasions that they do not have to follow the the prior agreements that Ocwen had in place for my loan even though standard servicing guidelines followed by the servicing industry usually require companies to honor agreements that are already in place when the loan is transferred.
I was told today that the longstanding servicing agreement Ocwen Loan Servicing had with its customers of not starting foreclosure proceedings until the loan is 89 days late has been essentially 'disregarded ' by PHH Mortgage and now PHH Mortgage goes immediately to foreclosure. This is what their agent told me today.
But this would go against what was in the notification of transfer letter that Ocwen sent me when it notified me it had transferred the loan to PHH Servicing. Also in the letter that PHH Servicing sent to me notifying me they now had servicing rights to my loan - both letters either stated or alluded to the fact that all servicing agreements, rules, procedures and guidelines in regards to my loan would remain the same.
Yet now PHH Mortgage agents are telling people that they are disregarding all prior agreements Ocwen had on the loan.
They did this without notifying me which violates both Federal and State Mortgage servicing laws.
I was suppose to be informed.
I am deeply frustrated with how PHH Mortgage has been handling the servicing of my loan. They are thumbing their nose at longstanding agreements which were in place, abruptly changing policies without proper notification to the borrower and failing to inform borrowers when they have decided to reject payments.
It was wrong for PHH Mortgage to fail to notify me that they had been rejecting my payments FOR MONTHS.
PHH Mortgage, like it's parent company Ocwen ( who improperly foreclosed on me and hired men to come inside my home and change my locks and tape down my toilets and trash my place - when I was never foreclosed on..
they never apologized. They just quietly removed the foreclosure from my credit report.. they had even notified the IRS that I had been foreclosed when I was not. ) is continuing the practice of thumbing their nose at various Federal and State laws governing the servicing of mortgage loans, and harming customers like myself in the process.
I do not know what to do. Or who to turn to.
I have filed numerous complaints throughout the years about first Ocwen Loan Servicing ( who now owns PHH ) and they were eventually sued for their violations ( they had illegally foreclosed on hundreds of thousands of homeowners throughout the years - throwing veterans, us military personnel, soldiers, teachers, widows, the elderly, the infirm, and other hardworking Americans into the streets and it was determined by the courts that not only had they illegally foreclosed on these people tossing them and their families into the streets like trash - they had a side hustle where they were making a profit from the illegal foreclosures ) and now PHH is continuing the trend.
The PHH Mortgage representative, upon notifying me that my payments had been rejected by PHH for several months, demanded I send thousands to PHH in under one month ...
thousands over my payments, to immediately bring my loan current or PHH would take my home.
I told him I could bring the loan current and pay what he wanted but I would need at least 60 days. I certainly couldn't do it in 20 days. He refused this.
He then said the only other alternative was a loan modification. I did not want a loan modification and did not think I would qualify.
A loan modification is a complete restructuring of the entire loan.
PHH Mortgage can easily give me the 60 days to bring the loan current or work out a payment plan. Especially given the circumstances surrounding the delinquency which was caused in part by PHH 's own negligence in the servicing of my loan and failing to notify me they were kicking back my payments.
The man even lied and said 'oh we tried to call you multiple times '. That's a LIE. My phone never rang.
I never received any communication from PHH of the rejected payments. He then said 'oh we have the wrong number '. That's also PHH 's fault. I had updated my correct phone number multiple times with PHH and they refused to erase an old outdated number that I had not used in years, choosing to put the new number I gave them under this other number and only calling the old number.
I have told PHH and it's agents on multiple occasions my correct number.
Every time I call them I update my number. My correct number has also been included in multiple written correspondence with PHH Mortgage I have sent to them. There is simply no excuse that they could not reach me. I don't believe they even tried. It's all just a lie.
It's evidently the policy of PHH to never delete this information.
Even when told by the customer the information is outdated, stale and old.
If this matter is not resolved, I will have no choice but to go through the courts to seek equity and a remedy to the sloppy and negligent handling of my loan by PHH Mortgage. The lies it's agents have told me about not having to follow prior agreements which were in place, and the misinformation from PHH agents regarding my loan as well as failure to notify me my payments were rejected and I had to find out several months later through a random phone call with PHH.
In addition to this I've only been able to log into the PHH Website about 3 times since PHH has had the loan because the website is either constantly down or malfunctioning.
This is such a nightmare.
Product or Service Mentioned : Phh Mortgage Loan.
Reason of review : Negligence, Violation of Federal and State Mortgage Servicing Laws, Misinformation, Damage and Harm to Consumer potentially leading to Foreclosure, Potential Legal Ramifications to protect my rights in a court of law and to demand equity and remedy.
Preferred solution : Payment Plan that will allow me to work out an agreement to keep my home that is flexible due to PHH Negligence in failing to properly inform me. I want to avoid the courts as legal filings are public record. But PHH Mortgage refuses to assist demanding t.
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| 02/18/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been working on completing a short sale with my servicer, PHH mortgage. On XX/XX/XXXX, I have faxed and emailed in the following documents - PHH SHORT SALE APPLICATION, THIRD PARTY AUTHORIZATION, REQUEST FOR MORTGAGE ASSISTANCE, HARDSHIP LETTER, 4506 T, BORROWERS FINANCIALS, REALTOR LISTING AGREEMENT, BUYERS PURCHASE AGREEMENT, BUYERS PROOF OF FUNDS, BUYERS CERTIFICATE OF FORMATION, HUD1 / SETTLEMENT STATEMENT. - After submitting the application I have been calling them at least once sometimes twice a week to make sure they have everything they need and to be as efficient as possible to avoid delays. On XX/XX/XXXX I called PHH and was told there was a Foreclosure Sale Date for XX/XX/XXXX - Docs were received - more information is required - still requiring One more pay stub. On XX/XX/XXXX I faxed and emailed a copy of the most recent Pay Stub requested. On XX/XX/XXXX the package was still showing incomplete due to the missing pay stub. As of XX/XX/XXXX, PHH still did not see the pay stub imaged into their system. I immediately resent to the email address of XXXX and fax number of XXXX. I called back on XX/XX/XXXX and was told the pay stub was received and the foreclosure date was suspended. on XX/XX/XXXX I called and spoke w/ PHH and was told I need to provide XXXX pay stub that reflects the year to date income or the most recent bank statement from 2nd employer. I then Faxed and Emailed the following PAY STUB FROM OTHER EMPLOYER on XX/XX/XXXX. I called PHH on XX/XX/XXXX and confirmed the pay stub was received and under review. On XX/XX/XXXX I called PHH for an update and was told we have a complete package under review for loan mod before we go into short sale and to allow up to 30 days for a decision. Called PHH back on XX/XX/XXXX and the file was still under review. I called PHH back on XX/XX/XXXX and was told the file was still under review. I called PHH back on XX/XX/XXXX and was told the file was still under review. I called PHH back on XX/XX/XXXX and was told the file was still under review for a decision and to follow up on XX/XX/XXXX as this will be the 30 day of the review. I called PHH again on XX/XX/XXXX and there was no new info. On XX/XX/XXXX I called PHH and was told that the load mod decision was denied and that we would be moving into short sale review. On XX/XX/XXXX I called PHH and there was no movement or no new info on the loan being reviewed for short sale. On XX/XX/XXXX I called PHH and was told we need the following items - Need a completed Hardship Affidavit - also a copy of buyers member docs, a copy of the HUD1 w/o cash from or to the seller. HOA Statement, Notarized letter of administration. Copy of listing agreement w/ list price signed by borrower and agent w/ cancelation verbiage, Realtor license for both parties, and a copy of the Purchase Agreement w/ addendums.
XX/XX/XXXX I faxed and emailed PHH the following documents, HARDSHIP AFFIDAVIT, BUYERS MEMBER DOCS, HOA STATEMENT, LISTING AGREEMENT, SALES CONTRACT, HUD1 / SETTLEMENT STATEMENT. The servicer continues to ask for a Notarized Letter of Administration. I have explained to the servicer and the person assigned XXXX XXXX at extension XXXX, that there is no letter of administration because there is no estate or will or probate or even any death in the parties. When I called back on XX/XX/XXXX I was told the docs were received but to allow time for review. I called back on XX/XX/XXXX and was told the docs still had not been reviewed yet. I called back again to PHH on XX/XX/XXXX and PHH reviewed the documents and advised we were missing some items. The items missing were listing agreement - Settlement Statement - Sales Contract - Realtor License - I explained this was all sent in on XX/XX/XXXX which they confirmed receipt of on XX/XX/XXXX. On XX/XX/XXXX, the following was sent to PHH again, SALES CONTRACT, LISTING AGREEMENT, HUD1 SETTLEMENT STATEMENT, BROKERS LICENSE. I called PHH on XX/XX/XXXX and was told Underwriters are asking for additional docs - Complete and valid listing agreement with list price signed, complete and valid copy of HUD. Need HOA support document for fee showing on HUD. So while on the phone on XX/XX/XXXX I sent the following via Fax and Email to PHH - SALES AGREEMENT, HUD 1/SETTLEMENT STATEMENT, LISTING AGREEMENT, HOA BILL. On XX/XX/XXXX I sent the following again just to make sure received - LISTING AGREEMENT, SALES CONTRACT, HUD1 SETTLEMENT STATEMENT. On XX/XX/XXXX we received an update from the underwriters - Underwriting team shows the package to be incomplete and need the following documents - Complete and valid listing agreement w/ list price signed by borrowers and listing agent is required, A complete and valid copy of the settlement statement is required, Also a complete and valid copy of the purchase agreement and all addendum is required, please provide a copy of the license for the listing agent and selling agent, Please provide a copy of brokers license Notarized copy of the notarized copy of executor deed. - At this time we explained again that all of this information has been sent in several times and also advised that the Notarized copy of executor deed is not applicable. I also had the Rep on the phone dig into the files that we have submitted. Rep located the Brokers License and documented the page number 24 of document # 116. I went ahead and resent the HOA statement by itself also 3 times back to back just to make sure received. On the XX/XX/XXXX call the rep apparently left a note asking why the Notarized copy of executor deed is being asked if there is no death/probate or estate. I called PHH back on XX/XX/XXXX for an update and was advised the same information is being requested - Complete and valid listing agreement w/ list price signed by borrowers and listing agent is required along with cancelation clause, A complete and valid copy of the settlement statement is required, Also a complete and valid copy of the purchase agreement and all addendum is required, please provide a copy of the license for the listing agent and selling agent, Please provide a copy of brokers license, Notarized copy of the executor deed. On XX/XX/XXXX I spoke w/ XXXX the assigned specialist and went over and over about the request that are being made. He mentioned the same items being needed, listing agreement signed and dated by all parties with standard cancelation clause, Sales Agreement singed and dated, HUD1 Settlement Statement, Copy of Brokers License, Notarized copy of Executor Deed. I raised a question about the cancelation clause that is needed and explained we have the cancelation clause on the Listing Agreement on page 8, paragraph 15. XXXX did not know what verbiage was required and kept asking me to send standard cancelation clause. I explained there is no " standard '' and the cancelation clause is usually investor specific to the short sale. He didn't know what to advise. We've been going round and round in circles. I spoke w/ XXXX the case manager again on XX/XX/XXXX and was told the same information is being requested. listing agreement signed and dated by all parties with standard cancelation clause, Sales Agreement singed and dated, XXXX Settlement Statement, Copy of Brokers License, Notarized copy of Executor Deed. Today XX/XX/XXXX I call PHH and speak to agent ID XXXX and I am told that the Short Sale has been canceled on XX/XX/XXXX due to not receiving the documents in time. Now we have a XX/XX/XXXX FC date and no short sale in review and very low odds of them opening it up for review this close to the foreclosure sale date. I am very frustrated as I feel like I have been jumping through every hoop thrown at me and I am ready to get my attorney involved if need be. I don't like the way PHH is handling my loan and not providing clear details on what is needed based on what has been provided.
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| 11/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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We have owned the residence at XXXX XXXX XXXX since XXXX, when it was built. We have lived there for the past 26 years. Around XXXX of XXXX, we invested our savings of around XXXX in renovating the structure. At the advice of our realtor, we made plans to upgrade the XXXXX XXXX property so that it could be refinanced and turned into a rental property, and a preconstruction appraisal was performed, which yielded a $ XXXX value at completion. In order to finish the renovation, we withdrew our 401 ( K ) and invested that additional money into the house.
In XXXX of XXXX, during the renovation, we were presented an offer from an individual who wanted to purchase the home, and a Lease-Purchase/Occupancy Contract was signed. Following six months of late/non-payment and damage to the house, we were forced to take this individual to court and have him evicted. This process, and the ensuing cleanup required after his departure, cost another $ XXXX. Also, this person made extensive, non-approved modifications to the house, which drastically reduced its value. The house was again put on the market, though at a much reduced price, and in XXXX XXXX another Lease-Purchase/Occupancy Contract was signed. Again, late, and finally, non-payments forced us to have this person evicted as well. She also made unapproved changes within the house, further decreasing its value. This was another $ XXXX that we had to spend ( that we really could not afford ).
The house has been on the market, has had many, many, showings, but there have been few actual offers, probably due to the damage the other tenants have done. Our XXXX has gone above and beyond in his efforts to show and sell this house, but its appraised value of $ XXXX just prior to move-in of the first tenant has plummeted to around the $ XXXX level. We have invested, and lost, more than $ XXXX in all of this process. We had to put most of the legal fees on credit cards to try to get the damage to the house mitigated, and can not afford to make any more payments on this house.
The house has been on the market originally since XXXX XXXX. After the XXXX above mentioned false-starts on a sale, the house was relisted on XXXX XXXX, XXXX. There were over seventy-five showings, but few offers submitted. Finally the property was placed under a contract on XXXX XXXX, XXXX as a Short-sale, requiring the approvals of XXXX different lenders.
During this process, our attorney has been trying to work with, and get timely responses from, the negotiator representing the lenders. Even after various requested updates were provided, there were often weeks before a response was received a value dispute also took weeks to conclude, primarily because the Ocwen negotiator was negligent on the proper servicing of our account ; often times our attorney had to file escalations, involve managers and quote legal action just to obtain any response at all.
This short-sale would have been closed and funded well before the scheduled foreclosure sale date, if it were not due to the XXXX weeks in unnecessary delays and lack of communication by the negotiator and managers, despite multiple written attempts requesting assistance. The offer and acceptance in the current contract is 100 % of the lenders confirmed values after the value dispute we had to force them to submit XXXX part of the unnecessary delays bringing us to present day ).
Here is a condensed example of unnecessary delays resulting from inaction of the XXXX negotiator to respond in a timely manner. Please note that had the negotiator done WHAT he should have, WHEN he should have, the short-sale in all likelihood would have been completed, obviating the need for the foreclosure sale in Court on Tuesday XXXX/XXXX/XXXX : XXXX/XXXX/XXXX - We started requesting a value dispute on this date and it took several weeks from there for the lender to actually get the docs submitted for the dispute.
XXXX/XXXX/XXXX Initial results of value dispute came back unchanged from their original counter values of $ XXXX.
XXXX/XXXX/XXXX Submitted buyers appraisal showing confirmed values at $ XXXX and requested their valuation department take a XXXX look at the dispute. Managers were copied on most messages moving forward from this date, specifically requesting their assistance, yet none of the managers copied made any efforts to respond or assist.
XXXX/XXXX/XXXX Escalated request for response to managers again due to lack of response from the negotiator in 2 weeks. This resulted in the negotiator responded that the values had been revised to $ XXXX despite the fact that the lender did not have a full appraisal to support that value over the buyers full appraisal values of $ XXXX.
XXXX/XXXX/XXXX Negotiator says he will submit the buyers appraisal to their valuation dept for review ; clearly indicating he had not done this on XXXX when the report was originally sent to him. This was also the XXXX time the negotiator indicated he needed additional XXXX docs from the buyer that had already been sent to their loss mit dept on XXXX.
XXXX/XXXX/XXXX Still no updates so I sent another urgent message for assistance on the file. This resulted in the negotiator finally confirming the values came back at $ XXXX which was the buyers appraisal and clearly shows that IF he would have submitted the appraisal when he was supposed to we wouldnt have lost close to a month in review. The negotiator also requested the buyers operating agreement for the 1st time.
XXXX/XXXX/XXXX Submitted buyers counter at the full $ XXXX amount along with the operating agreement requested above.
XXXX/XXXX/XXXX Still no updates or approval but status in Equator was changed to indicate there wasnt an offer under review ; sent urgent message to negotiator and managers for assistance.
XXXX/XXXX/XXXX Still no updates or response to previous message ; despite 3 XXXXs being copied.
XXXX/XXXX/XXXX Called main loss mitigation department with Ocwen to submit a complaint and escalate outside of the Equator system for assistance. Was informed on this call that the file was showing incomplete due to missing docs despite the fact nothing additional had been requested. Left a v/m for XXXX XXXX XXXX supervisor ) and to date have not heard back. Due to the internal complaint I submitted the negotiator did finally send a message in XXXX stating the name on the buyers operating agreement did not match the name on the contract.
XXXX/XXXX/XXXX Within the hour we had the buyers corrected operating agreement submitted in Equator with an urgent request to postpone the f/c sale. The buyer had inadvertently sent the wrong operating agreement for another business that he owns with a very similar name.
XXXX/XXXX/XXXX Received confirmation from the negotiator that he did receive the corrected doc as well as our request for f/c postponement. He stated the intent was to postpone the sale but could not be guaranteed despite the multiple errors and unnecessary delays they exhibited internally on the file.
Even after multiple attempts to get the foreclosure sale postponed due to XXXX own internal errors, they still refused and the foreclosure occurred on Tuesday, XXXX/XXXX/XXXX. We confirmed the property sold back to the bank and we are asking that the sale be rescinded ( as is allowed in the state of SC ) and the short sale opened back up for consideration and approval of the buyers full price offer. As a consumer suffering a financial hardship, which was actually caused by our exhaustive efforts to upgrade the property, going through the list/sale and short sale process for the past 3 years and still being foreclosed upon due to a negotiators negligence is egregious to say the least. We are pleading with the CFPB to help get this sale reversed so we can finally move on from this tragedy and try to salvage our credit moving forward.
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| 02/17/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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This matter involve a fraudulent foreclosure against me by Ocwen Loan Servicing Company and XXXX XXXX XXXX. The sale of the property is scheduled on XX/XX/XXXX, so by the time this reaches CONSUMER FINANCIAL PROTECTION BUREAU, the property would have been sold. I feel the Ocwen Loan and others are providing false or misleading information to me regarding my loan. They have prepared, executed, notarized, and presented false and misleading documents, filing false and misleading documents with courts.
There are rules that before anyone can commence foreclosure on a property, there must be clear evidence ( proof ) of a valid claim, that the party taking the action is a Real Party of Interest, that the party is a lawful Holder in Due Course and prove that they have lawful standing to foreclose.
Under the Federal Rules of Civil Procedure Rule 17, an action must be pursued by a real party of Interest. I have ask for both Owen Loan and XXXX XXXX XXXX to verify their title of the property, I submitted evidence that they are not the owner of the title and therefore, lack subject matter jurisdiction to foreclose on my property.
In XX/XX/XXXX, the Massachusetts Supreme Court issued a decision in XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX ( Mass. XX/XX/XXXX ), in which all the Justices unanimously agreed. For banks to be able to foreclose they must show a perfection of the chain of title both in the Deed of Trust/Mortgage and the Promissory Note. It was also ruled that a blank assignment was not acceptable proof of perfection of the title for the Promissory Note.
I have proved with evidences that my mortgage was securitized and sold to another party away from my original lender XXXX XX/XX/XXXX. According to Financial Accounting Standards FAS-140, when XXXX XX/XX/XXXXsold my loan to a Real Estates Mortgage Investment Conduit ( REMIC ), they forever lose their ability to enforce, control or otherwise foreclose on the property. They are no longer a real party of interest. They are only servicers. This transaction ( securitization ) is registered with the Securities and Exchange Commission ( SEC ) and becomes public information. An asset declared in SEC filing is a permanent conversion ( Stock ) and there is no doubt my loan /promissory note is no more. These facts were explained to them.
I also showed that this assignment ( transaction ) was not recorded at the Recorder Office of XXXX XXXX County Maryland as required by law. Nor did they notify me of the transaction. They conspired to hide this transaction and I believe that bifurcation occurred. This fraudulent act leads to a defect in the chain of title and make the Deed of Trust/Mortgage unenforceable. According to the Pooling and Servicing agreement that created the Real Estates Mortgage Investment Conduit ( REMIC ), when the original lender sells a loan into REMIC, they are required to : 1 ) deliver my promissory note to the REMIC within 90 days. This means that the lender has to endorses the promissory note using the language pay to the order of Name Party. 2 ) They have to physically deliver the note to the REMIC. 3 ) State law requires that they record this delivery with the County Recorders Office. When any part of the above is not done this leads to a defect in the chain of title.
A representative of Owen Loan LLC claim that my loan belongs to XXXX XXXX as an investor. However, when the investor becomes a majority Shareholder of the traded stock, they are not holders in due course or the real party in interest. Only the true and beneficial holder in due course is the real party in interest and not the investor.
Federal Courts have ruled that the only way to prove the perfection of any security is by actual possession of the security. See Matter of XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). Unequivocally, the Courts rule is that in order to prove the " instrument '', possession is mandatory.
The following courts also ruled similarly to XXXX XXXX. XXXX XXXX. XXXX : The Defendant must show they are a real party of interest to have standing to foreclose or enforce the negotiable instrument. ( XXXX XXXX, XXXX. v XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX Dept XXXX ] ; XXXX XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX Dept XXXX ] ; XXXX XXXX XXXX, XXXX. v XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX Dept XXXX ] ; XXXX XXXX XXXX. XXXX. v XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX XXXX XXXX ] ). The Defendant has no foundation in law or fact to foreclose upon a property in which they have no legal or equitable interest ( XXXX XXXX XXXX, XXXX. v XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX Dept XXXX ] ; XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX Dept XXXX ] ( XXXX XXXX XXXX. XXXX ( XXXX. Ohio XXXX ) and Illinois XXXX XXXX, XXXX. XXXX XXXX, XXXX WL XXXX ( XXXX XXXX XX/XX/XXXX, ( XXXX ).
The evidence that identify that there are problems with the title is revealed in the audit investigation report. It shows step by step, each allegation of fraud and the reason the title have been bifurcated.
I received the Audit Investigation report during the month of XX/XX/XXXX and I immediately provided both Owen Loan LLC and XXXX XXXX XXXX a copy. Therefore, they have been aware of my reasons for contesting their illegal actions and I also gave them the opportunity to response to all allegations and/or engage into discovery.
They either response falsely or not at all. Typically, when someone is silence, they are avoiding the questions. In US v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the court rule that silence can only be equated with Fraud where there is a Legal or Moral duty to speak or when an inquiry left unanswered would be intentionally misleading.
Again, I provided them with the following evidences to support the allegations of fraud. A notarized audit investigation report. Nevertheless, Owen loan have denied that the mortgage was sold. However, they failed to challenge the validity of the notarized evidence which clearly show otherwise.
Also, evidence in my complaint show that they fail to report the transaction ( securitization ) to the XXXX XXXX County Records Office and myself as required by law. They have also refused to challenge this allegation of ( fraud ) in their arguments. They is no justice if there is any degree of fraud involved.
As you know, this is not the first time the Ocwen Loan Servicing has been accrued of activities involving fraud with mortgage loans. The following civil action is one of many filed against them.
In the US District Court for the District of Columbia, 50 states of the United States filed a civil action jointly with the CONSUMER FINANCIAL PROTECTION BUREAU against OCWEN LOAN SERVICING , LLC, see XXXX_cfpb_complaint ocwen.pdf. The complaint was file for misconduct related to the servicing of single-family residential mortgages. I am so glad you have knowledge of the misconduct. However, somehow the State of Maryland was excluded ; Why? Under misconduct of Ocwen Loan Servicing, the following complaints were filed for fraudulent activities ; 20 ( d ) providing false or misleading information in response to borrower complaints ; 20 ( e ) providing false or misleading information to borrowers regarding loans that have been transferred from other servicers ; 20 ( p ) preparing, executing, notarizing, and presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process ( including, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments ).
Because of the size of the Audit Investigation Report, I have to mail CFPB a copy very soon.
I ask that you would investigate my situation.
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| 11/02/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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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
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| 01/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Ocwen Fraud Investigations XX/XX/XXXX by XXXX The title of this page says it all Ocwen Fraud. Never have we encountered a mortgage loan servicer with so many problems. Problems that can only be described as fraud. We have spoken with dozens of homeowners as well as a few present and former Ocwen workers. The company is a failure and needs to be held accountable. Immediately.
XXXX has teamed up with lawyers across the United States to bring Ocwen to justice. To bring justice to homeowners struggling to stay in their homes. In many instances, the homeowners have done nothing wrong yet they fight a daily battle of unanswered phone calls, conflicting information, unprocessed loan modifications and illegal foreclosures.
Its not the employees of Ocwen who are causing the problem. They are saddled with policies and communication systems designed to fail. The companys XX/XX/XXXX platform is hopelessly outdated and not equipped to deal with hundreds of thousands of loans.
If you ever called Ocwens customer servicer number and got the feeling that the right hand doesnt know what the left is doing, you are right. Employees tell us that they are understaffed and that they have no systems in place to know what other customer service reps have done on a file or what advice may have been given previously to a caller.
One former employee says that documents requested form homeowners are routinely shredded because no one is available to review them.
In late XX/XX/XXXX states took aim at Ocwen and blocked the company from handling any more mortgages in their states. Massachusetts became the 21st state on XX/XX/XXXX and in XX/XX/XXXX, Texas joined the growing list of states that have said, Enough! to Ocwen foreclosure fraud.
The states can stop Ocwen from handling mortgages within their borders but that doesnt help the over one XXXX homeowners left hanging.
XXXX is investigating Ocwen and hopes to file national class action complaints against the company within coming weeks.
Specifically, we are investigating the following allegations of wrongdoing : Use of a proprietary software known to trigger unsupported fees and speed foreclosures ( XX/XX/XXXX ) ; Knowing use of infirm loan data, Illegal foreclosures, Failure to credit borrowers payments, Mismanagement of escrow accounts, Manufactured force-placed insurance, Delayed termination of private mortgage insurance, Charges for additional products without consent, Mishandling accounts for XXXX borrowers, and Failure to correct errors identified by the borrower.
Ocwen is the largest residential mortgage servicer in the United States. It services XXXX XXXX XXXX of dollars of home loans. Customers have no choice in who services their loan.
Years ago, banks held their own mortgages. You borrowed money from a bank and for the next twenty years would make your payments to that same bank. No more. Most residential mortgages are sold immediately after closing. They are purchased by institutional investors and pooled into a trust. The trust then chooses who will service the loan.
By servicing, we mean the company that collects mortgage payments, insures taxes are paid, insures the property is insured, handles customer service inquiries, processes loan modification requests and if necessary, handles foreclosure proceedings.
As a servicer, Ocwen gets paid by the holder of the note. In home mortgage cases, that means the trust that purchased the loan from the original lender.
Ocwen also makes money from the charges it passes on to homeowners. That means late payment fees, force places insurance, property maintenance, title searches and the like. In the words of one expert, Because servicers are permitted to retain ancillary fees, they have an incentive to charge borrowers as much in fees as they can, even if the fees are not provided for by the mortgage loan documents or a direct contract.
According to one of the members of the Board of Governors of the Federal Reserve, The servicer makes money, to oversimplify it a bit, by maximizing fees earned and minimizing expenses while performing the actions spelled out in its contract with the investor... The broad grant of delegated authority that servicers enjoy under pooling and servicing agreements ( PSAs ), combined with an effective lack of choice on the part of consumers, creates an environment ripe for abuse.
We agree. In our opinion, Ocwen has taken fraud to a new level.
We hoped that Ocwen had finally met its demise in XX/XX/XXXX. That year investors sold off their stock in the company causing the companys value to plummet. Over one hundred trusts holding {XXXX} XXXX of mortgages gave Ocwen the boot. Their reasons?
Using trust funds to pay off Ocwens obligations owed under a regulatory settlement. Instead of paying what they owe, the trusts say that Ocwen pushed the payments onto them ; Gross conflicts of interests. Ocwen used corporate affiliates such as XXXX and XXXX XXXX XXXX XXXX to further enrich itself and hurt borrowers and the trusts ; Failing to comply with foreclosure and consumer protection laws ; Engaging in illegal and improper loan modification and advance recovery practices ; Improper records practices ; Failing to properly communicate with borrowers ; and Failing to properly pay the trusts.
In other words, it isnt just homeowners who claimed they were the victims of Ocwen fraud. It is the investors who own the loans too.
Despite almost going under in XX/XX/XXXX, Ocwen seemingly rose from the ashes. Unfortunately, its behavior and the way it treated homeowners didnt improve.
CALL FOR HOMEOWNER VICTIMS OF OCWEN LOAN FORECLOSURE FRAUD We are seeking stories from homeowners who have been the victims of Ocwen loan servicing and foreclosure fraud. Your stories will help us prosecute anticipated class action and RICO ( Racketeer Influenced and Corrupt Organizations Act ) charges against the company.
In XX/XX/XXXX, we helped the government recover a historic {XXXX} XXXX against XXXX XXXX XXXX. In our opinion, Ocwen is a worse corporate citizen than XXXX XXXX XXXX. Ocwen fraud needs to be stopped immediately. Thousands of homeowners may lose their homes without immediate action and thousands more may have paid too much.
If you are a lawyer representing homeowners in foreclosure defense matters, we certainly want to hear your stories as well. The key to successfully prosecuting companies like Ocwen is documentation. If you have a borrower with good documentation of their dealings with the company, let us know.
Ocwen relies on home owners being disorganized. If you have return receipts, a phone log of your calls to Ocwen or a diary of your dealings with the company, please contact us. Your materials could help us bring Ocwen to justice once and for all.
CALL FOR OCWEN INSIDERS XXXX is one of the premier whistleblower law firms in the United States. We have helped mortgage company insiders collect over {$100.00} XXXX in awards in recent years. If a lender or servicer is defrauding XXXX XXXX, XXXX XXXX, the VA or the FHA, substantial cash awards may be available for insiders.
More importantly, your help with our anticipated XXXX case against Ocwen would benefit tens of thousands of struggling homeowners. Unfortunately, we cant pay witnesses for their information but coming forward is certainly the right thing to do. Even if it is to supply deep background or confidential information, the help is certainly appreciated.
XXXX XXXX Ocwen Fraud Lawyers To report foreclosure fraud or provide confidential tips, please email us at XXXX. Unfortunately, we receive dozens of phone calls per day and can not return every call. If you are an Ocwen insider, please call attorney XXXX at XXXX.
Please Help us Make Ocwen Fraud a Thing of the Past.
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| 11/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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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.
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| 04/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I originally asked for help by uploading to Ocwens website the completed Loan Modification forms and documentation as requested on their site on XX/XX/XXXX. I heard nothing and nothing was showing on their website under modification status.
Since I heard nothing, I emailed the forms to Ocwen on XX/XX/XXXX. I still heard and saw nothing.
I faxed the forms on XX/XX/XXXX and received and email on XX/XX/XXXX that my relationship manager was XXXX XXXX. I heard nothing from him.
On XX/XX/XXXX, I called to ask what was happening and was told that I did not send in all the requested information ( though I did and I have copies of what I sent every time ). I complied and faxed in the " additional '' information requested and we set up an appointment with XXXX XXXX for XX/XX/XXXX.
On XX/XX/XXXX, I received a call and was informed that XXXX XXXX was not available and I spoke with someone else who informed me that my forms were not complete/out of date. I uploaded the " new '' forms on their website and set up a new appointment on XX/XX/XXXX.
On XX/XX/XXXX, I received a no call at the appointed time. I called and set up a new appointment on XX/XX/XXXX.
On XX/XX/XXXX, I received a call and was informed that XXXX XXXX was not available and I spoke with someone else. He told me that my pay stubs were out of date and I would need to get them updated paystubs before they could continue. We set up a new appointment forXX/XX/XXXX. I UPLOADED, FAXED and EMAILED the update and requested notification that they had been received. I received no notification.
On XX/XX/XXXX, I was informed that XXXX XXXX XXXX was assigned as my new relationship manager, for which, based on the history above, I was relieved. I was also informed that I did not provide proof of the additional income. I told the representative that it was sent in and that he needs to look at what was sent. Surprisingly, he found the documents right there in front of him. He told me he would submit it to the committee for review. He scheduled a new appointment forXX/XX/XXXX.
After my conversation with the representative on XX/XX/XXXX, I sent an email letter to XXXX XXXX outlining what I listed above. I copied XXXX XXXX, the President and CEO on the letter because I was not getting any help from the lower level. ( I still have not received a lower level notice on my email letter. ) However, the office of the President sent the complaint to their Ombudsman and on XX/XX/XXXX, I received a response where they claimed they responded to me and listed mail that was sent.
They did not put up the information on their website under the " Loan Modification, Check status of Your Application '' section where I was looking for updates. Not once has any notice or update appeared on their website that I am aware of.
I was told to check on ocwen.com for updates. I have frequently checked ocwen.com for status on my paperwork and not ONCE has there ever been anything posted about missing/outdated paperwork that needs to be submitted. There has been no confirmation and no updates whatsoever.
Not once in any of these appointments have we discussed the help of which I am so sorely in need. Not once have I actually talked to my assigned relationship manager XXXX XXXX. Nor have I had a conversation with XXXX XXXX After 6 months of trying to get help, the office of Ombudsman informed me that as of XX/XX/XXXX, all my paperwork had finally arrived. Basically, I tried for one half of a year to get a modification done to help me because my dire financial position was so difficult and every time I contacted them, save the email to the president, I was informed that I still needed to send in documents, the same documents that I had already sent multiple times. This was unnecessary stalling on the part of Ocwen.
On XX/XX/XXXX, I received a Decision on Your Request for Mortgage Assistance from Ocwen. They denied my request. The reason for the denial : The account is current and after reviewing the information provided, we have determined that the account is not at risk of default. The accountholder has sufficient net income to pay the current mortgage payment.
As of the time of the writing the account was current because I was forced to with draw money from my 401k and my XXXX retirement accounts, neither of which had a substantial balance, but was around {$20.00} to {$25.00} thousand only. I pointed out the need for the retirement withdrawal in my correspondence with Ocwen just to make sure I did not get foreclosed on. As of that date, I have not had sufficient income to make the payments and am now 4 months late again. I am now submitting another request to take out the more of my depleted retirement so that I can make these payments.
I sent to Ocwen my income and expenses which clearly show that I am in need of assistance as my income is not sufficient for the used car loans and mortgage payment. ( I do have a large family so living expenses are large also ).
I work two jobs and start at XXXX XXXX XXXX XXXX and end at XXXX XXXX XXXX. I'm doing all I can. Economic times are tough. I need the modification to survive.
Now I must point out that my taking money out of the retirement account is not without consequences. The IRS penalty for early withdrawal for a hardship is 10 % plus ordinary income tax, and at the 15 % tax rate, that means I need to pay an additional 25 % minimum for any withdrawal I am forced to make. That is really going to hurt when I already do not have enough money to make the normal cost of living payments yet to Ocwen, I dont need help.
In addition, I would like to point out that Ocwen is charging me a late fee every month, which is extra money for them, and they are charging me for BPOs on a monthly basis to make sure my property is still in good condition, and other fees for whatever they feel they want to charge, for which, I really cant do anything about. So not only do I have to pay the cost of my mortgage which I can not do without a modification but now, because of their refusal and slow processing, but I have to pay all these other fees.
It can be difficult to get a hold of me and I work in a place where phone conversations are not easy nor private. Yet I have made the last 4 appointments when my assigned relationship manager was not able to make it.
In communicating with them, it would be easier to conduct business through email or online chat, but I was told this was not possible. They said they couldn't even leave a message on my phone with anything more than a " please call ''.
Now, since I was rejected for modification by Ocwen, I have been searching for other alternatives. I have found a local mortgage company that is willing to work with me, who is willing to do a refinance/consolidation and home repair loan to help me get back on my feet. I have worked hard to get my credit scores up to qualify and this week, I got there. The mortgage agent said that we could now qualify for an FHA loan at a lower interest rate then what I am paying at Ocwen. Plus according to him, the company is much better to work with then Ocwen based on Ocwens reputation.
After telling me that we could qualify for the FHA loan, he texted me back and said there was a problem because Ocwen now is not showing on any of my credit reports, but the last one that he pulled about a month ago, showed Ocwen loan was in modification, which it certainly was not. So Ocwen appearing and disappearing on my credit report and reporting modifications when none was granted and because of the late payments caused by the delay has now stopped my progress in refinancing my mortgage away from Ocwen.
Can you help me?
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| 02/23/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX : Homeowner receives letter from lender, PHH Mortgage, dated XX/XX/XXXX. She attempts to make contact with the lenders representative, XXXX XXXX, at the phone number in the correspondence. The homeowner stated that for two weeks she called multiple times a day at various times of the day, but the phone never connected to the representative. She decides to send a loss modification packet on her own to the fax number as indicated on the correspondence from the lender.
XX/XX/XXXX : Homeowner receives letter from lender dated XX/XX/XXXX. She called the lenders representative, XXXX XXXX, she was unable to reach him. She became frustrated and she sought help from a HUD Approve Housing Counseling Agency.
XX/XX/XXXX : A complete loan modification packet was sent to the lender ; the packet was sent according to the instructions outlined in the XX/XX/XXXX correspondence from the lender sent to the homeowner. The fax number given by the lender in the correspondence did not work, therefore the housing counselor had to contact the lender to receive a fax number that was operable to receive the requested documentation for the loan modification. To contact the lender during the working day ( EST : XXXX ) is very difficult and without being on hold for over 40 minutes. The 3rd party authorization form was sent to : XXXX. The loss mitigation application, 3rd party authorization and supporting documentation packet was sent by fax at XXXX ( fax : XXXX ) ( SEE FAX COVERSHEET dated XX/XX/XXXX for XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX : HUD Approved Housing Counselor contacts lender after working hours due to the lender will not answer calls prior to XXXX EST. The lender requested additional documents needed to submit to underwriting for review. The following was needed : Homeowner must prove employment, the paystubs did not substantiate employment. A letter from the employer is needed to validate employment ; the letter must be on letterhead, dates of employment and rate of pay.
Page 3 and 5 of the request for mortgage application was not readable.
XX/XX/XXXX : HUD Approved Housing Counselor contacts lender after working hours due to the lender will not answer calls prior to XXXX EST. Lender states they had not received the information sent via fax on XX/XX/XXXX. Therefore counselor must resend packet ( SEE FAX COVERSHEET dated XX/XX/XXXX for XXXX ) : Homeowner must prove employment, the paystubs did not substantiate employment. A letter from the employer is needed to validate employment ; the letter must be on letterhead, dates of employment and rate of pay.
Page 3 and 5 of the request for mortgage application was not readable.
XX/XX/XXXX : HUD Approved Housing Counselor contacts lender to receive update status of loan modification application. Was told additional documentation was needed by the underwriter. The underwriter wanted proof that TANF deposits are being deposited in the bank. The counselor explained that the TANF benefits were not deposit into the bank ; state funds are deposited on a EPPI Card. The representative stated that the benefits must be deposited into the bank, if not, the benefits will not be considered as income. The counselor faxed the TANF statements again, as was sent with the initial RMA application, and faxed EPPI card information as issued by the State of Georgia for TANF benefits. The information was also emailed to XXXX ( SEE EMAIL and FAX COVERSHEET for XXXX and XXXX and attached documents dated XXXX XX/XX/XXXX ). Documents sent : Letter of Explanation of TANF benefits, amounts, EPPI Card, benefit statements, etc.
TANF statement ( XXXX and XX/XX/XXXX ) Food Stamp Statements ( XXXX and XX/XX/XXXX ) Bank statements ( again to include additional month ) EPPI Card information as obtained from the State of Georgia website regarding the benefits and how they are distributed on the issued card XX/XX/XXXX : HUD Approved Housing Counselor contacts lender to receive update status of loan modification application. Was told additional documentation was needed by the underwriter. The representative wanted the following ( SEE COVERSHEET for XX/XX/XXXX for XXXX and XXXX ) : TANF signed statement by the homeowner : a signed statement with an explanation to clarify how the TANF benefits are distributed to the homeowner ( the letter dated XX/XX/XXXX and sent via fax was denied as acceptable. Although it had the same information was sent XX/XX/XXXX.
Additional TANF Benefit statements for XX/XX/XXXX and XX/XX/XXXX. ( These are the same statements sent XX/XX/XXXX under fax coversheet ).
XX/XX/XXXX : HUD Approved Housing Counselor contacts lender to receive update status of loan modification application. Was told additional documentation was needed by the underwriter. The representative wanted the following ( SEE COVERSHEET for XX/XX/XXXX for XXXX and XXXX ) : Bank statements : XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX Hardship letter ( this document was sent under original submission in XX/XX/XXXX and during the resubmission of RMA application as required and requested by the lender under submission XX/XX/XXXX ) Page 5 of the RMA must be resent ( was sent XX/XX/XXXX SEE COVERSHEET ) The representative asked for the XX/XX/XXXX : HUD Approved Housing Counselor contacts lender to receive update status of loan modification application. Was told additional documentation was needed by the underwriter. The representative wanted the following ( SEE COVERSHEET for XX/XX/XXXX for XXXX and XXXX ) : Re-submission of entire RMA Mortgage Assistance Application ; the representative stated the RMA application sent in XXXX and XXXX expired and the process needed to start again New hardship letter ; the representative stated that the hardship expired under the original submission in XXXX and a new hardship is needed Spoke to Employee # XXXX. Loan modification status, outstanding balance of {$9000.00}. Incomplete : Need completed hardship affidavit from application ( date ) and the application solicitation center inquiry section. Please note the representative could not clarify what the " Solicitation center inquiry section '' is and could not find it on the RMA. He also placed the counselor on hold to talk to management regarding the Solicitation center inquiry section '' and his management could not find it on the RMA. But he said if it is not sent in, the packet would be considered incomplete.
The homeowner believes her consumer rights have been violated. She faithfully submitted the same documentation over and over again. A representative stated to the borrower and counselor that the lender will be receiving a subsidy to add to the loan from the government ; therefore the underwriters wanted to ensure the biggest return to modify the loan, if possible. The RMA application had to be resubmitted three times for no reason except that the lender is increasing the defaulted amount in order to receive a greater payment for loss mitigation operations. The loan modification could have been approved back in XXXX with the 1st submission by the HUD Approved Housing Counseling Agency. Therefore the homeowner is asking the loan modification PITI payment to be {$550.00} per month or less and for the loan to be restructured for 25 years with an interest rate fixed at 3.75 % with no balloon payment. And the lender should not receive any subsidy for lack of resolving the default expediently.
Also the lender served the homeowner with a SUMMONS on XX/XX/XXXX. When the homeowner made an inquiry to the lender, the lender could not answer the reason for the summons. The homeowner needs an explanation.
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| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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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.
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| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1. My original lender XXXX XXXX XXXX XXXX liquidated in bankruptcy on XX/XX/XXXX. Contractually and through court order in connection with a modified plan, XXXX XXXX XXXX XXXX assigned on that same date, all of their assets to a new entity called the XXXX XXXX XXXX XXXX. ( See Ross v. Deutsche Bank Nat. Tr. Co., 933 F. Supp. 2d 225, 231 ( D. Mass. 2013 ).
2. After assigning all of their assets to the XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX and their attorneys advanced a ten-year fraudulent litigation with me using a fake and forged Transfer of Lien assignment purportedly negotiated in XX/XX/XXXX and then purportedly, executed on XX/XX/XXXX between XXXX XXXX and my original lender XXXX XXXX XXXX XXXX, a 2.5 year old dead entity lacking both existence and capacity.
3. The XX/XX/XXXX Transfer of Lien was executed using a forged attorney in fact for a dead entity and a XX/XX/XXXX extinguished power of attorney which pre-dated the XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX. In XX/XX/XXXX, I obtained mortgage records from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing patent proof XXXX XXXX held no interest in my mortgage loan. My loan records were authenticated and bates stamped and there was NO INDORSEMENT on my Note. And it was my understanding after personally talking to XXXX attorneys that my payments should have been made to the trust, not XXXX XXXX who was never in my chain of title.
5. As further proof XXXX XXXX was not in my chain of title, the XXXX XXXX XXXX XXXX provided me a bates stamped and authenticated XX/XX/XXXX XXXX XXXX XXXX XXXX letter from my loan file showing XXXX XXXX was for tax purposes, only sold an INTEREST in my loan, which was extinguished upon the XXXX XXXX XXXX Liquidation. And XXXX XXXX was sold nothing. ( emphasis added ). ( See Ex-A, extinguished notes ).
6. In XXXX, a XXXX County District Court clerk provided me a copy of Judge XXXX XXXX Judges Notes. These notes were faxed only to the XXXX XXXX attorneys ( XXXX XXXX XXXX and XXXX XXXX ) and not my attorney. The Judges Notes were written by Judge XXXX XXXX and she identified specific judges ( including Judge XXXX, Judge XXXX and Judge XXXX ) to hear matters in my case that were not even set for a hearing.
7. The purpose of those Judges Notes was made clear in a XX/XX/XXXX plea to the jurisdiction proceeding in the trial court in Cause No. XXXX. Specifically, I tried to present all of my XXXX XXXX XXXX XXXX evidence to XXXX County District Court Judge XXXX. He refused to permit me to admit my evidence in the plea hearing to show XXXX XXXX held no interest in my mortgage loan. XXXX XXXX filed no response or objections to my plea. And Judge XXXX previously granted XXXX XXXX Motion to Quash my discovery.
8. XXXX XXXX also filed the XX/XX/XXXX Declaration of XXXX XXXX in a XX/XX/XXXX summary judgment proceeding. The Ocwen loan servicer analyst falsely swore under the penalty of perjury, to a fake default. She falsely swore in par. No. 10 that I failed to remit a payment from XX/XX/XXXX onward.
9. The trial court ( Judge XXXX and author of the XX/XX/XXXX Judges Notes ) ignored my evidence of timely remitted certified by mail loan payments to XXXX XXXX loan servicers from XX/XX/XXXX XXXX XXXX and through XX/XX/XXXX when I filed my lawsuit.
10. On XX/XX/XXXX, Judge XXXX ( the author of the XX/XX/XXXX Judges Notes ) granted XXXX XXXX summary judgment on their counterclaim for foreclosure.
I did not prevail in my first litigation which concluded with the Texas Supreme Court denying a petition for review. ( Cause No. XXXX ). In XXXX, I filed a bill of review after obtaining new evidence including the uncontroverted securitization expert report of XXXX XXXX who concluded XXXX XXXX held no interest in my mortgage loan. ( Cause No. XXXX ). I filed a bill of review summary judgment raising issues on XXXX XXXX lack of standing and XXXX XXXX filed no affidavit and never responded to any of my summary judgment issues. The trial court oddly denied my summary judgment. And it was clear that the XX/XX/XXXX Judges Notes appeared to continue to have tentacles reaching this litigation.
I timely filed a notice of appeal at the XXXX Court of Appeals. ( Case No. XXXX ). On XX/XX/XXXX, the XXXX Court of Appeals issued an opinion and judgment. And although I briefed in detail in my XX/XX/XXXX Appellant Brief and XX/XX/XXXX Appellant Reply the XXXX XXXX ex parte communications and criminal forgery activity in the trial court in the First Lawsuit, the XXXX court of appeals oddly did not address any of my point of errors on bill of review factors regarding the deep seeded corruption at the XXXXXXXX County courthouse that is fixing borrower litigations in favor of the banks. And I know judges are not doing this gratuitously.
The XXXX court of appeals held that I lacked standing to address what I allege, is a void XX/XX/XXXX Transfer of Lien assignment which XXXX XXXX purportedly executed with a dead entity. My case file can be viewed online at the XXXX Court of Appeals website. Alternatively, if you provide me an email address, I can email you the filed Appellant and Appellee briefs for review.
After providing this litigation information to the FBI in XXXX XXXX in XX/XX/XXXX, I am bringing this matter to your attention because as my case demonstrates, XXXX XXXX is continuing to pay unconscionable fees to attorneys to engage in a continuing nefarious criminal scheme to file forged mortgage records to assert unlawful standing to steal properties and then engage in unlawful ex parte communications with judges to obtain unlawful orders to foreclose on properties using forged instruments.
To wit, on the identical set of forgery facts, a XX/XX/XXXX XXXX, Texas jury awarded XXXX XXXX dollars to the XXXX XXXX XXXX v XXXX XXXX after XXXX XXXX forged the XXXX XXXX records to also steal the XXXX homestead property. See : XXXX : XXXX XXXX XXXX XXXX Given the facts in my case where I allege local judges worked in concert with XXXX XXXX attorneys to permit forged XXXX XXXX records to be filed, recorded and used by XXXX XXXX to obtain unlawful court orders to permit XXXX XXXX to foreclose on my property which they held no interest in, I believe on these facts, potential violations of federal criminal statutes have surfaced as follows : fraud deprivation of rights under the color of law conspiracy to defraud obstruction of justice perjury deceiving judges ; and lying to courts At this juncture, I am seeking to stop this egregious abuse of authority and request the DOJ and government agencies review my evidence and take such action deemed appropriate including but not limited to, filing complaints with the Texas State Bar against the attorneys ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) and local judges who were involved in the fraudulent scheme to permit XXXX XXXX to file and defend knowing forged and fake mortgage instruments for the unlawful purpose of stealing properties.
Restoring public confidence in the judicial system for other homeowners similarly situated is extremely important so they do not suffer through exhausting years of public corruption at the courthouse as I did. I am also asking that you investigate my complaint and help bring a just resolution to my litigation which has been contaminated by the Texas courts who continue to protect the deep seeded pubic corruption that ignored my civil rights and denied me due process.
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| 08/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX, my wife XXXX XXXX and I executed a Loan Modification Agreement with Ocwen Loan Servicing, LLC for mortgage loan # XXXX, property address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This was the only loan modification or refinance that I knowingly participated in.
We separated in XX/XX/XXXX. I moved out of the home to honor my wifes desire to divorce me. I moved to XXXX County where most of my relatives reside. I am now living with my cousin in XXXX.
We are currently undergoing a divorce at XXXX XXXX County Court ( case # XXXX ). We are in the final stages ; our judgment hearing to finalize the divorce and related matters which include custody of our children and the division or award of our community property in XXXX XXXX XXXX financed by Ocwen should be set at any time now. I am awaiting confirmation of the hearing date.
Sometime in Spring of XXXX, I started to notice Ocwen loan servicing confirmations in our shared email ( XXXX ) that I rarely check. Any loan refinance or re-modifications that took place after our initial XXXX XXXX XXXX done in XX/XX/XXXX, was fraudulently done without my knowledge or signature.
Currently, her parents live there and have lived there since the purchase of the home. Her father is a XXXX Veteran and her mother is XXXX XXXX XXXX, confined to a wheelchair. XXXX and I paid the mortgage for them as her mother is XXXX. Sometime before our separation, XXXX changed mailing addresses of all Ocwen communications to the property address. In one of her loan modification agreements, she listed this address as our primary residence. I no longer had knowledge or access to any information regarding the property. When I logged on to their website, I was not able to access the account as a log on had been created for me using my personal information.
She worked at XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX during most of the loan activity that I was unaware of. She continued to conduct loan activity with Ocwen after our separation.
I believe her knowledge and experience in the real estate loan signing process coupled with her familial and friendship associations at XXXX XXXX XXXX enabled her to carry out various loan activities without my knowledge or true signature. XXXX son ( my step- son ) XXXX XXXX has an aunt named XXXX XXXX who also worked at XXXX XXXX XXXX as an Escrow Assistant alongside XXXX who is also a Notary Public ( Commission # XXXX expires XX/XX/XXXX ). In addition, the notary who authorized my fraudulent signature for loan activity post XX/XX/XXXX is XXXX XXXX ( California XXXX # XXXX expires XX/XX/XXXX ). XXXX was her manager at the time of these unauthorized loan signings/activities.
Sometime in late XXXX or early XXXX, both XXXX and XXXX were accused of misconduct regarding a mortgage loan matter that XXXX XXXX XXXX serviced. From what XXXX told me, there was no conviction due to the fact that both hers and Marthas notary books were burned in two separate fires leaving no evidence by which they could be found guilty. I do not have the court case number, but the case was heard in XXXX XXXX County Court. All the information about the court case was verbally conveyed to me by XXXX.
Ocwen notified me that a Notice of Default was issued in XX/XX/XXXX. I did not and do not plan on seeking options to save this property from foreclosure because I feel Ocwen should retrace their steps with regard to the loan activities that took place without my knowledge. They noted in a response to my initial inquiry that they have not committed fraud. I dont believe they committed fraud, but they are responsible for the internal controls that failed. I was not present for any loan signings or applications submitted to Ocwen after XX/XX/XXXX.
Due to Ocwen s oversight, I feel they legally owe me the opportunity to wait for the final decision in our divorce matter before they continue with foreclosure proceedings. Had my signatures, participation and knowledge been verified, this property would not be delinquent. As soon as I found out that XXXX was no longer making payments and that there was activity that I did not authorize, I fulfilled my due diligence and contacted Ocwen immediately.
Depending on the decisions made in our divorce judgment hearing, if I am awarded this community property, I demand that Ocwen remove late fees, interest charged or other non-payment penalties from sometime in XXXX to present. I am willing to bring this account current and prevent my former in-laws from being displaced and being homeless. I visited her parents during the week of XX/XX/XXXX. I wanted to check on them and the property. From what had been taking place without my knowledge, I was concerned the property may have been abandoned, as the last payment was made in XX/XX/XXXX in the amount of {$14000.00} approximately. I was aware of this transaction, but the amount taken from our savings and insurance fund is quite different. XXXX told me she needed {$25000.00} to bring the mortgage current.
At this point, I am not fully aware of my rights or who truly is responsible for this injustice. Ocwen has the ultimate power and capacity to withhold foreclosure proceedings. I am hopeful that the legal parties of each entity involved will assist in determining the best resolution in this matter. I have evidence of numerous other fraudulent activity conducted without my knowledge or true signature. I have filed Identity Theft complaints with the respective governing or enforcement agencies. In addition, I reported this matter to the State of Nevada Department of Business and Industry who have been unable to assist me further.
I recognize some of this fraudulent activity may constitute a civil matter between XXXX and myself. However, before I can attempt to engage in civil litigation against XXXX regarding this Ocwen mortgage loan, the entity or entities involved have a responsibility to address and assess at which point did the mortgage loan process fail thereby allowing fraudulent activity to rampantly occur. I am confident my case is not isolated. Further investigations into the activities of Ocwen and or XXXX XXXX XXXX may expose a much larger impact on innocent consumers who have been wronged and taken advantage of with the aid of companies whose responsibility is to uphold integrity, enforce strict standards & guidelines to protect people such as myself and the XXXX resident confined to a XXXX from fraud. Although XXXX XXXX mother or retired Veteran father are not victims of fraud, they will ultimately pay the highest cost as a result of Ocwen s failure to choose a more difficult approach to running a business and obtaining profit.
I am also hopeful that the property will be awarded to me, as I have been honest thus far as compared to XXXX who has committed perjury with regard to omitting the concerned property from court documents. Ocwen refuses to recognize that my rights have been violated. A simple denial to accept responsibility is not enough to warrant the unimaginable tragedy they allowed to happen. I did not expect Ocwen to agree to accepting some responsibility. I am now seeking assistance from the governing agencies to correct this unfortunate situation.
I designate my cousin, XXXX XXXX, as my authorized representative. Here is her contact information. Please cc me on all communications.
XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX | XXXX XXXX
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| 05/03/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We are disputing the status of our mortgage account ; our mortgage account should be current. After our bankruptcy, we made arrangements with the support of VA department to modify our account with OCWEN. We made the payments on time as per our agreement on XXXX XXXX XXXX we received a letter from OCWEN informing us that the loan modification was approved. We sent the voluntary amount of {$310.00} to put the account current. After the modification, we did not receive monthly statements from OCWEN ; we were later told it was due to our bankruptcy. In XXXX XXXX we were notified that we were late on our XXXX mortgage payment and owed {$2900.00} for XXXX . We have are meticulous about keeping our records and correspondence and pay our mortgage on line ( XXXX XXXX XXXX Bill Pay ). We had proof from XXXX XXXX XXXX that payment was made on line and we sent it to OCWEN via Fax. OCWEN sent us a letter XXXX XXXX t hey had credited the account the payment they claimed we did not make and requested we refax them proof from our bank. Even though we refaxed it to them and have a letter from them stating they did receive our fax, they reversed the credit and refused to credit it back. In addition, even though we have made all of our payments on time, we have received notices that we have a negative balance in our escrow account. We are told it is supposed to be for a cushion on our account. The amount of Hazard insurance on Annual Escrow Account Disclosure is incorrect and higher than what we actually pay XXXX XXXX . OCWEN has put XXXX of our payments in suspense but can not explain where that payment was then made to.We are perplexed as to which payment OCWEN is claiming we did not make payments when they had the additional monies as unapplied funds and in a suspense account. OCWEN Loan Servicing haw handled our account unethically, they refuse to hold themselves accountable and continue to add charges to our mortgage ( House inspection {$ XX/XX/XXXX } ). We have been getting the run around from OCWEN for years and many times speak to customer service that has been outsourced and incompetent in resolving this issue. We have received letters stating they we are past due now and the amount fluctuates. As of XXXX XXXX our payment has increased to {$3000.00} a month and they are stating we are past due {$3000.00} Timeline of dates and actions are below. XXXX XXXX XXXX Received Letter from OCWEN stating we were 39 days late in the amount total amount of {$5900.00} ( XXXX and XXXX ). I called OCWEN was told to send letter disputing and proof of Payment for XXXX XXXX payment. FAXED to XXXX Department XXXX XXXX XXXX Called OCWEN told no dispute on file. Requested we send a letter disputing and refax proof of payment. XXXX XXXX XXXX : Refaxed Letter and proof of payment for XXXX XXXX payment to OCWEN ( XXXX XXXX XXXX Bill Pay ) XXXX XXXX XXXX we received notice from OCWEN Research Department stating a credit was made on XXXX XXXX XXXX to our account while the payment was verified. Proof of payment was requested by Research Department and letter stated we had 30 days ( XXXX XXXX XXXX ) to submit documentation. On XXXX XXXX XXXX we faxed over documentation and letter to Research department and have verification of fax. XXXX XXXX XXXX we received notice from OCWEN Cashiering Department informing us we have 30 days to fax or email proof of payment, letter, and OCWEN loan number. On XXXX XXXX XXXX we emailed scanned documents to Cashiering Department at XXXX XXXX XXXX . XXXX XXXX XXXX we received notice from OCWEN XXXX Department informing us we had 30 days to fax or email proof of payment, letter, and OCWEN loan number. On XXXX XXXX XXXX we emailed scanned documents to documentation and letter to XXXX Department. The email came back as undeliverable because email address couldnt be found. I tried to resubmit email on XXXX XXXX XXXX and email retuned as undeliverable a second time. XXXX XXXX XXXX we received notice from OCWEN Research Department informing that they had received they received our paperwork and would perform research and provide an answer within XXXX days of letter. XXXX XXXX XXXX I followed up wit h OCWEN Research Department and was informed that a letter had been mailed out b y OCWEN on XXXX XXXX XXXX stating our credit was reversed because we failed to submit requested documentation. I informed representative that documentation had been submitted and I have fax verification ; in addition, on XXXX XXXX XXXX we had received letter from Research Department confirming they had received paperwork from us. After reviewing our account, she confirmed documentation had been received on XXXX XXXX XXXX and she would contact both Cashiering and XXXX Department and forward documents so that account can be credited for payment made. XXXX XXXX XXXX I followed up with Research Department and confirmed that XXXX from Research Department had already forwarded documents to both Cashiering and XXXX Department and XXXX would be following up with them to resolve this issue. I asked why the account had not been credited yet since the reversal of credit had been erroneously made by OCWEN because they did in fact receive documentation from us in a timely manner and the reversal of credit should have not been done. Research Department explained that the documentation had already been forwarded to Cashiering and XXXX Department and they would follow up with them to account credited. XXXX XXXX XXXX XXXX XXXX ( XXXX Year ) Followed up with OCWEN, they refused to credit payment to the account even though we had a letter from them stating that they would credit account. We would get inconsistent answers from the different customer service representatives. We have been very diligent about submitting requested documents by different OCWEN departments as well as following up with OCWEN customer service. OCWEN has sent us several notices from different department regarding our dispute ; it seems that there is little to no communication between departments because they request the same paperwork. We have on several occasions faxed or emailed the document requested : 1 ) le gible document on how our payment was mad e ( XXXX XXXX XXXX on line Bill Pay ), 2 ) account number, a and 3 ) lette r explaining our account should be current. XXXX We requested explanation of payments from OCWEN about our payment history and they sent us a letter dated XX/XX/XXXX explaining the increase in escrow payment not on the initial missing payment that we had requested. We then once again requested payment history. XXXX OCWEN sent out payment history ( XXXX report ) with no explanation on payment we were disputing. They made no attempt to resolve this issue. Every time we call, we are given a different explanation. OCWEN is unethical and incompetent. We are considering filing a law suit against them to finally resolve this issue
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| 10/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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IN THE CIRCUIT XXXX JUDICIAL DIST IN AND FOR XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX Plaintiff, possessor, Droit-Droit XXXX [ Date XXXX XXXX ] VS. G.M.A.C ; OCWEN XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX et al, Defendants XXXX XXXX XXXX LIEN NOTICE AND NOTICE OF GREIVANCES XXXX OBJECTION TO PROPOSED SALE OF HOME AND OBJECTION TO DEBT AMOUNTS ALLEGED COMES NOW the Plaintiff, XXXX XXXX XXXX Pro Per, Federal Whistleblower, XXXX XXXX XXXX.
This Notice fulfills the requirements of a F.S. XXXX XXXX XXXX Notice. Notice of grievances to OCWEN LOAN SERVICING and XXXX is hereby given that the entire case and summary judgment are VOID and untenable XXXX XXXX alleged debt paper was bought in XXXX by B.O.A. Not XXXX.
BACKGROUND XXXX YEAR FRAUD BY DEFENDANTS AND VOID JUDGMENT XXXX XXXX a XXXX was made, broker unlawfully ADDED {$48000.00} lot equity to amount of {$280000.00} that already included lot and demanded same upon XXXX BANK and Federal Reserve for $ XXXX.
The entire project was for $ XXXX, I deposited $ XXXX and the XXXX bank note was $ XXXX.
The {$48000.00} was stolen by broker, builder and bank during 15 month construction process.
XXXX XXXX an inflated appraisal for the $ XXXX account was made for $ XXXX.
XXXX XXXX XXXX XXXX made, {$48000.00} was added back as settlement charges to borrower.
The XXXX note was $ XXXX, I paid $ XXXX, the note was now $ XXXX.
From start in XXXX XXXX, to XXXX XXXX I paid $ XXXX and $ XXXX in interest for total $ XXXX, 10 % of note.
My payments for note were {$1700.00} per month. XXXX XXXX XXXX took over and illegally charged me {$2700.00} per month based on the inflated appraisal, not the note or mortgage agreement.
XXXX rescission enjoined for $ XXXX and $ XXXX breach of contract actions by defendants.
XXXX XXXX, XXXX filed BK case # XXXX and XXXX BANK rejected the defendants subject XXXX trust ; XXXX SECURED XXXX. XXXX IRS Publication XXXX shows trust as VOID.
XXXX XXXX XXXX XXXX, transfers title to notes and mortgages in this and XXXX other trusts, for 1 %.
The defendants, the trusts, the mortgages were listed as UNSECURED creditors, UNSECURED debt.
Plaintiff filed this action on XXXX XXXX, as a still valid T.I.L.A. Rescission Claim in commerce.
Since then the Federal and State governments, attorney generals, Federal Reserve, XXXX XXXX, the CFPB, the Fl. XXXX all agreed to XXXX claims by their XXXX XXXX filings, lawsuits, consent orders.
XXXX XXXX XXXX went bankrupt, became XXXX and sold off it 's fraudulent claims of debt.
XXXX Courts and Judges XXXX and others, reduced the principal note value of the subject trust and many others worth {$8.00} XXXX to 2 %, thereby voiding the $ XXXX summary judgment.
XXXX XXXX the entire XXXX govt and XXXX state XXXX 's, served OCWEN with XXXX lien notice, consent order.
This PROHIBITED foreclosure upon Plaintiff and millions across the XXXX, that OCWEN ignored.
On APR XXXX the unsecured debt was named on a bogus Affidavit of Indebtedness without a penalty of perjury jurat, thereby making the debt XXXX, as jurat and affidavit is required.
On APR XXXX, XXXX after Plaintiff filed XXXX XXXX XXXX Complaints, the CFPB the Fl. XXXX the Fl. XXXX. of XXXX. XXXX. all filed a XXXX LIEN NOTICE and sued OCWEN XXXX SERVICING [ OCWEN ] for Unlawful and Illegal foreclosures, [ including mine ] on behalf of the XXXX XXXX XXXX Bank XXXX. [ WFBNA ] Since XXXX XXXX, when OCWEN took over XXXX XXXX did not SECURE the mortgages onto it 's REALSERVICING platform, until late XXXX, after the summary judgment.
The $ XXXX foreclosure judgment is and was a XXXX Upon the XXXX for a variety of reasons.
XXXX CFPB/ FL.AG lawsuit and consent order in XXXX XXXX prohibited foreclosure on Plaintiff.
XXXX affidavit of indebtedness has several errors including no penalty of perjury jurat.
XXXX a totally incorrect claim amount, and was so old it was XXXX not to be used.
XXXX contempt was done by fired judge XXXX XXXX XXXX XXXX XXXX with $ XXXX judgment.
XXXX XXXX the deal between XXXX and OCWEN was XXXX after being held up XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were XXXX Ordered to Resign.
XXXX XXXX, XXXX, XXXX, XXXX went XXXX of business due to my claims.
XXXX and OCWEN both XXXX billions of judgments and orders due to the fraud herein, which is and was a Patented, Copyrighted, Trademarked Procedure carried out by the XXXX called the B.A.R.
XXXX all that and federal lawsuits and Orders for rescission and restitution for me, the XXXX. XXXX is proceeding on XXXX XXXX lien notice for the states benefit and not mine.
CONCLUSION- UNSECURED DEBT MEANS HOME IS NOT COLLATERAL FOR SALE The house and lot in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is mine, and the proceeds of any ordered sale go to Me being the lawful beneficiary, the state court wants to unlawfully and illegally benefit.
UNSECURED because the note was not put into the trust, XXXX SECURED XXXX UNSECURED because that trust was voided, collapsed and rejected by XXXX in XXXX.
UNSECURED because OCWEN did not secure the instruments unto it 's REALSERVICING platform UNSECURED because the affidavit of indebtedness has several errors voiding it 's use.
UNSECURED because the debt was reduced to only 2 % of face value in prior RESCAP-GMAC cases.
UNSECURED because the C.F.P.B. And the FL. XXXX. Filed XXXX LIEN notice, lawsuit against OCWEN for the very same thing I have pled since XXXX XXXX, an Unlawful and Illegal foreclosure.
XXXX, the Fl. Attorney General shall submit an XXXX to the XXXX to prosecute this XXXX XXXX Notice for my benefit, and this court must take mandatory judicial notice of this pleading.
The proposed sale of my house should be Voided and settled in my favor, not the criminals XXXX.
During the trial of XXXX and XXXX XXXX, XXXX Case XXXX ) XXXX XXXX XXXX XXXX XXXX of the United States XXXX XXXX XXXX XXXX XXXX presented with law stated : " I take my orders from XXXX. This is not a law this court goes by. " For all of those who did not believe that the United States was under XXXX XXXX here it is. All XXXX XXXX, Congressmen, XXXX. XXXX, XXXX XXXX, Legislators and most Attorneys know this and are in fact XXXX Agents.
CERTIFICATE OF SERVICE Service was made by XXXX Mail to ; XXXX XXXX XXXX Building, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX No. XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Office of Attorney General State of Florida XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX VERIFICATION I, XXXX XXXX XXXX XXXX, hereby verify, under penalty of perjury, under the laws of the United States of America XXXX without the United States XXXX Federal government XXXX, that the above statement of facts and laws is true and correct, according to the best of My current information, knowledge, and belief, so help me XXXX, pursuant to XXXX U.S.C. XXXX ( XXXX ). See Supremacy Clause XXXX XXXX, Laws and Treaties are all the XXXX XXXX of the Land ).
WITHOUT XXXX By : _________________________________good as XXXX authorized representative ; XXXX : XXXX XXXX XXXX negotiable autograph XXXX XXXX Terrace-Cape Coral, Florida- [ XXXX ] -D.M.S.R. XXXX XXXX XXXXXXXXXXXX
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| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Our mortgage is serviced by PHH Mortgage Company. We have been escrowing for taxes and insurance since we took out this loan in XX/XX/XXXX. The loan payments, including escrow, have always been current and we have never been late with any payment.
However, the second installment of our XXXX property taxes has not been paid. There were more than sufficient funds in the account on the date these taxes were due ( XX/XX/XXXX ).
On XX/XX/XXXX, we received the attached notice that our taxes had not been paid. We contacted PHH on Monday, XX/XX/XXXX to find out why they had not paid. We were asked to send in copies of the tax bill and the tax notice to a specified email address. We sent those notices as soon as we completed the call.
For the next couple weeks, we monitored our escrow balance in our account to make sure a payment was made. It did not change at all to indicate a payment had been processed.
On XX/XX/XXXX, I contacted the tax collector again to confirm that he had not received any payment before contacting PHH. He confirmed he had not received a payment. I spent over 3 hours on the phone that day to reach someone who was helpful and assured me that a payment would be made on Monday, XX/XX/XXXX.
On XX/XX/XXXX, I called the tax collector again to see if he had received a payment. He stated he had not. I checked the escrow balance again, and it was clear that they had not made any payment.
On XX/XX/XXXX, I again called PHH to get this situation resolved. I spent over 2 hours on the phone trying to get the right person to assist me in getting this paid.
When I first called, I had to repeatedly insist to the offshore call center that I needed to be transferred to an account specialist or an escalation manager. The third time I refused to talk to the call center representative and asked to be transferred, I finally was transferred to someone who could help. I was eventually transferred to an escalation manager, who stated she was talking directly with the tax department. She came back to me and stated they could not process the payment because they did not have the billing information. I immediately stated that we had sent that information twice now and they should have it in their records. She said she could see it in our file and would talk to the tax department right now.
After another long hold, the escalation manager told me they could not process the bill because the penalty information was as of XX/XX/XXXX. They needed an updated copy of the penalty to pay it. The customer service agent told me to get an updated copy of the bill showing the penalties due as of today. I agreed to do so, but questioned why the tax department could not contact the tax collector directly. All of his contact information is on the bill. I was told that the tax department had called the tax collector 's office multiple times and he did not answer. I stated that I would contact him and get the copy today. I obtained the name, agent number and extension of the escalation manager before hanging up.
I immediately called the tax collector and got him on the first ring. He stated that no one had called him that day. He stated that there were no per diem penalties and that the bill they have in hand is the correct one. Paying that amount will satisfy the obligation. I called the escalation manager back and left a voicemail at XXXX XXXX that told her that information. But, I visited the tax office and picked up the needed information anyway. I faxed the information to the customer service representative from his office. I was unsure the information arrived, so I tried to call the escalation manager to let her know. She was not available and I left a message for her with the escalation department representative that did answer. I did not receive a call back.
On XX/XX/XXXX at XXXX XXXX ET, I sent a second fax to the escalation manager with the tax statement to be sure that it had arrived. This time, my machine confirmed the fax had been sent. I called the escalation managers extension at XXXX XXXX ET to confirm she received the information and get this resolved. She was not available again. I left another message with the escalation department person who answered the phone. This representative told me he talked to the escalation manager and she would call me back as soon as she is done with this call.
I received a call from the escalation manager at approximately XXXX XXXX on XX/XX/XXXX telling me that the check was being sent to the tax collector today. She stated that the full amount would be paid by certified check. She said the tax department had contacted the tax collector to let him know the check was on the way.
I waited for several days after the holidays to give sufficient time for the check to be delivered. On XX/XX/XXXX, I called the tax collector to see if he had received the check that had been sent on XX/XX/XXXX. He stated that no one from PHH had contacted him about the account. He also stated he did not have the check and that the account had gone to a debt collection agency for the township. This meant a tax lien had been placed on our property. The tax collector felt so badly for us, he took my phone number and told me he would contact me as soon as he got the check.
On XX/XX/XXXX, the tax collector called me and stated he had finally received the check to pay the taxes and penalties. He hand delivered the checks to the debt collection agency for us to finally get this resolved. This was 15 days after we were told that this would be taken care of that day and before a lien would be placed.
We have had four mortgages at PHH over the years, and they were the company my employer used for transfers. We even recommended them to others based on the quality service we had received. Until the last three years, we were always very happy with the service we received on the loan originations, refinances, and servicing. Until the last three years, we were always very happy with the service we received on the loan originations, refinances, and servicing. However, this has clearly changed and we will not use this company again nor recommending them to others.
I fully believe that the only reason this bill actually got paid at all is my persistence and refusing to get off the phone until it was paid. We are luckily in the financial position to be able to cancel our escrow account and were only doing this for convenience. We will be canceling our escrow account now that this situation is resolved and PHH has paid all the associated penalties. This shoddy level of customer service is certainly not convenient. Since this is the second time in three years this has happened, we will not be continuing to let PHH use our money for free and put us in this type of situation again.
I am asking PHH to contact me directly so I can cancel the escrow. I need to speak with a manager with the authority to actually authorize the timely cancellation of our escrow. I expect to have this transaction conducted within 30 days and the full refund of our current escrow balance returned to us within this timeframe. It is our money and we will ensure our bills are paid timely in the future. I no longer trust this company to handle it.
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| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear CFPB, In XX/XX/XXXX, due to unemployment issues, a mortgage account I held with Ocwen Loans was charged off. The account was sold in XX/XX/XXXX to a company called XXXX XXXX. At that time, I was instructed by Ocwen that they no longer held or managed my account and that all payments were to be made to XXXX. Since, I have been making payments and my account is current with XXXX.
Last month ( in XXXX ) when reviewing my XXXX credit report ( See Attached Credit Reports ), I noticed a new, additional charge off noted on my Ocwen acct for XX/XX/XXXX. This month ( XXXX ) two new charge offs were noted for XXXX and XX/XX/XXXX.
This is a problem as this account was closed and sold my Ocwen in XXXX XXXX and, up until recently ( as per consumer law ) has not been reported on by Ocwen.
Seeing this, I immediately submitted disputes with all three credit bureaus ( See Attached XXXXXXXX report # XXXX, I currently do not have copies of the other two bureaus reports ). I then wrote an email to Ocwen Loans on XX/XX/XXXX, ( See Attached XXXX email ) detailing my concern and asking for an investigation and correction.
I received a response on XX/XX/XXXX stating that they could not find a record of my acct. ( although I had already explained that it had been closed ) and to write to their Research dept. The next day, I faxed a letter to their Research dept ( See Attached XXXX letter ). Additionally, I sent another email stating that I had sent a request to Research.
To Note : When first searching for an email address for Ocwen, I visited their website ( ocwen.com ) and learned that Ocwen was requesting that all mortgage correspondence and/or inquiries be directed to a company called PHH ; there is a link on Ocwens website directing mortgage users to PHH 's website ( www.mortgagequestions.com/main ). On PHHs site, I submitted an online form requesting assistance. I also called and spoke with their customer service dept. and this is where I first obtained PHHs direct email address.
As it has been almost two months of phone calls, emails, faxes, and back and forth with Ocwen and PHH, I can not detail all my communications but, I have provided attachments of my many emails and letters sent to both companies. Also, below is what has been happening over the last several weeks.
On XXXX XXXX ( See attached XXXX email ) I received an email response which stated that someone from PHHs Research Dept. would contact me in 10 business day but, no one ever did.
On XXXX XXXX I received yet another email that someone from their PHHs Escalation Dept. would call me in 2 days but, again, no one ever did ( See attached XXXX email ).
On XXXX XXXX, I sent yet another email to PHH and to their Escalation Dept. ( See attached XXXX email ) explaining that no one had called me from PHH or from their Escalation Dept., I received no response from PHH.
At this point, Ive been bounced around to various depts between the two companies, with no result. Ive explained and re-explained the issue I need help with and, as of yet, have received no resolution.
I believe Ocwens/PHH new entries of charge-offs on my credit report are in error. In an original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. Thats double the damage and is not permitted. It, effectively, re-ages the account and would begin the entire 7-year notation cycle at each new entry.
Additionally, it is reporting inaccurate information. PHH reporting that my account is delinquent and or overdue is simply wrong. My account is not overdue with XXXX and is current and in repayment.
I have notified and requested from Ocwen, PHH and all three reporting agencies a review and/or correction. As is evident from my attachments to this complain, Ive sent numerous emails, made multiple phone calls, written many letters in an attempt to notify all of the situation and to request review and correction. Ive exhausted all avenues to resolve this matter on my own and urgently need your help.
I believe part of this is simply lack of concern on PHHs end. They are quite aware of the possible damage their error could cause my credit and financial status. Its illegal for a company to knowingly continue to report inaccurate data to a consumers credit report. Yet, this is what PHH appears to be doing.
I checked my credit report a week ago ( See Attached " XXXX XXXX XXXX XXXXXXXX '' ), and my credit score has dropped over 60 points since before PHHs XXXX, XXXX and XXXX notations of charge-offs on my acct ( See Attached pdfs : " Before PHH entries '' and " After PHH entries '' ). I believe PHHs reporting plays heavily in this credit score drop. Before PHHs entries, my credit score with XXXX was XXXX, with XXXX XXXX, with XXXX XXXX. Now, both my XXXX and XXXX scores are below and at XXXX.
In addition, I was recently denied a loan. The denial stated that this was partly due to recent delinquent accounts. I have no delinquencies other than what has been noted by PHH/Ocwen.
If you could help me achieving the below corrections and results, I would be extremely appreciative. PHH and Ocwen and or affiliates : 1. Remove the entries from XXXX, XXXX and XX/XX/XXXX from my credit report.
2. Cease and desist current and any future reporting on this account and credit report.
3. Update balance as {$0.00} owing as they have been fully paid for this account and I have no balance.
4. As a good will gesture to help balance damage caused to my credit, remove the original charge off from XXXX XXXX.
5. Provide compensation, as per Consumer Protection law, of {$1000.00} for each entry in error XXXX XXXX, XXXX and XXXX ) reported to my account ( See attached credit reports ) and/or other compensation.
6. Send a letter to each three credit bureaus, explaining the error in their reporting and include a formal request to remove these and any subsequent errors and to ignore subsequent, future reporting on this account.
7. Most importantly, as XXXX XXXX, per their policy, will not be reporting on this account until fully paid, prevent any retaliatory action by PHH/Ocwen to initiate or pressure XXXX to report this account.
As to my request for compensation, as I noted above, PHHs erroneous reporting has caused significant damage to my credit and finances. It has cost me significant time, stress, and worry, on top of financial loss of a loan. With companies that seem to have so little regard for their actions, I believe the only real recourse to affect change and make these companies follow the low, is by affecting them financially.
I believe compensation as per the consumer protection laws is appropriate in my case.
I urgently need help resolving this matter. Ive worked hard over the years to improve my credit and meet my financial obligations and become a better consumer. I am disheartened and frustrated that PHHs and Ocwens mistake and disregard for their obligation of fair reporting, has marred my credit.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My previous lender sold my mortgage to Ocwen and I have had trouble ever since. The interest rate is so high I am barely able to make payments and have been paying on this loan for years and have not made any progress toward the principle. I was 3 payments behind and attempted to make 2 payments. Ocwen refused to take the payments and demanded {$4100.00} to reinstate the loan, or {$4300.00} to reinstate the loan and pay all or any late fees and charges and this will bring loan current but must be paid prior to XXXX XXXX, XXXX or they will proceed with foreclosure. On XXXX XXXX, XXXX I went to my bank ( XXXX XXXX XXXX XXXX ) and had them wire transfer {$4300.00} to Ocwen. Ocwen would not accept anything except a bank transfer or XXXX XXXX. This transfer also cost me an additional {$25.00}. From this point I was told the loan would be current and my payments were back to normal ( non-loan modification amount ) $ XXXX. I was told that because the loan payments were 3 payments behind, we were no longer eligible to continue with the loan modification program. The representative said they would send me another loan modification package to complete and reapply if I am unable to afford the reinstatement amount in full by XXXX/XXXX/XXXX.
Early XXXX I applied for the loan modification program to get a lower payment because I could not afford the monthly payments at that time. The payments were $ XXXX I believe, with the loan modification program. I am not even sure of the exact dates because the approval was given over the phone by an Ocwen representative, which I thought was strange. I was told there would be a balloon payment due at the end of the modification program of {$70000.00}. I know that I was unable to afford that, but I felt like I had no other options at the time and Ocwen was threatening foreclosure at that time.
XXXX/XXXX/XXXX I received 2 large packets of papers from the XXXX XXXX Court that say Summons on top, and lots of legal jargon I do not understand. I was told by Ocwen that I had until XXXX/XXXX/XXXX before any foreclosure proceedings began.
XXXX/XXXX/XXXX I received 2 copies of another packet from the Court saying XXXX XXXX XXXX.
XXXX/XXXX/XXXX I received another letter from the XXXX saying XXXX XXXX XXXX XXXX vs XXXX XXXX XXXX. I believe it is something about a lien on the property for taxes. The taxes were supposed to be changed and added into the escrow.
XXXX/XXXX/XXXX Paid regular payment of {$820.00} via online payment.
XXXX/XXXX/XXXX I called Ocwen to clarify the Court letter regarding the lien for property taxes. I was told that the taxes were paid and current and to ignore the letter from the Court! I also wanted to clarify that the loan was current including all fees and requested it in writing. The representative said they would not send letters or email confirmation with the information I requested. They also let me know that my next payment was due XXXX XXXX, XXXX and was {$900.00}. I questioned this because it was supposed to be {$820.00}. The escalations manager at that time told me the payment was more to cover the late fees. I said I paid all late fees and charges when I sent the larger amount {$4300.00}. He told me he would do a one time waiver of the late fees, which made me very angry as I paid these fees already. He put me on hold again to look into the larger payment more. He said that the extra money I wired from the bank was applied to the escrow instead of to the late fees. He said I was also accruing late fees while my payments were behind, during the period of which they would not accept any of my payments! I told him this is mismanagement of my funds and I was lied to! I insisted that I wanted this in writing, where my funds went, what they were applied to, all and any late fees, etc. He said he can not do that and he is sorry. I also requested in writing that I am no longer in the loan modification program because of the late payments. The escalations manager told me that I am still in the program and that there is still a balloon payment at the end of the program. I asked him why did the other escalations manager tell me I was no longer in the program, and that was why my payments were higher again, and that there was no longer a balloon payment? He said he could not answer that.
XXXX/XXXX/XXXX I received a bill statement from Ocwen stating my minimum payment of {$1000.00} was due XXXX XXXX, XXXX. I called Ocwen again asking why this payment was so high, and that it was supposed to be the normal amount of {$820.00}. I was told that it was because of late fees. I told him that I paid all the late fees when I wired the {$4300.00}. I also explained that the last time I called the manager offered a one-time waiver of late fees, even though I already paid them! He put me on hold again ( they always put me on hold, each call is usually at least 30 min ). When he returned, he explained that Ocwen added late charges. I asked him late fees for what? I explained that I made the XXXX payment on time ( within the 10 days grace period )!!! He put me on hold again, and when he returned he said Ocwen added a home inspection fee. I asked why did they do that, and when did they do that? I requested this all in writing again and he said he can not do that. I also told him that I am still getting urgent letters from attorneys stating that my house was actually foreclosed on, and it was also listed in the local newspaper that it was foreclosed on. I requested a formal letter from Ocwen stating that the house was NOT foreclosed on and was also denied that letter!
Each time I have questions or issues I get transferred to another Ocwen representative, which all say different things. The money amounts, late fees, charges, balloon payment, loan modification payments etc. are questionable at best. The fact that the only way of tracking this information if by me taking a representative identification name and number down and take notes of the conversation, is also questionable practices. I am not comfortable with Ocwen telling me to ignore Court documents. I told Ocwen that because of their questionable tactics and practices, I am currently suffering poor credit and am unable to refinance with a real bank! I complained that each time I speak to someone that they each tell me different things and I am honestly not even sure what to believe anymore when it comes to what they are doing with my money, how much my payments really are, and not even sure about this loan modification program. I feel that I need legal representation for this matter and am currently unable to afford it and feel like I am left with no other options but to continue to do whatever Ocwen tells me to do in order to keep my house. The years of stress from numerous automated phone calls each day for late payments, the always-changing stories from each representative, the lack of options and feeling like I had no other choice but to do a loan modification, the crazy high interest rate, these are some of the reasons I feel this company operates illegally and I am the victim of a scam!
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| 06/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I dont even know where to start with this complaint, there are so many things wrong here. Currently, PHH/OCWEN is attempting to foreclose on my home. I learned of this in XXXX. I immediately disputed this and requested verification. The verification consisted of copies of the modification agreement I signed, some kind of account statement that made no sense to me, and few papers that looked like they were copies of other documents that were cut off or only a partial page of some unidentifiable documents. The verification also included contact information for a law firm handling the foreclosure.
My conclusion from the very confusing, grammatically incorrect response I received as to why my property was being foreclosed on is that PHH/OCWEN denied the modification agreement I signed in XXXX of XXXX because I had not agreed to assume the mortgage after my husband died. I did sign an assumption agreement at the same time that I signed the modification agreement, but both have been completely ignored. PHH/OCWEN never offered me any explanation or information about assumption or modification after verifying that I am successor in interest. In fact once they received my husbands death certificate they locked me out of my online account and changed all the information in it so nothing about the modification he was given, or the payments made under it, was reflected. I didnt receive any communication at all from them until I started complaining. PHH/OCWEN claim the assumption i signed is invalid because the account was delinquent. Isnt that the reason for the modification? Setting that aside for a moment, I recently learned that the CFPB made some changes to rules concerning successors in interest in XXXX of XXXX. Among other things, these changes do not require a successor in interest to assume a loan prior to being considered for a modification. PHH/OCWEN has no legal right to deny my modification ( a year after it was signed ) because I didnt assume the mortgage. As successor in interest I am not required to assume the mortgage to be considered for modification.I am however, required to be treated as the borrower.
XXXX further violated CFPB regulations by not communicating with me after I was confirmed as successor in interest. They have sent me no account statements, no notice of the modification being invalid, no notice of delinquency, no escrow or tax statements. The only communication I have received was the notice of foreclosure and the paperwork supposedly verifying the debt. The verification paperwork also contained an application for assistance which I completed and emailed to the address provided on XX/XX/XXXX. CFPB regulation also states that PHH/OCWEN must respond in writing within five days of receipt of the assistance application to notify me that it has been received and whether or not it is complete. They have not done this. I have not had any contact from PHH/OCWEN except for a single voicemail addressed to my late husband. Even though I have been confirmed as successor in interest since XXXX of XXXX PHH/OCWEN continues to attempt to communicate with my late husband. Mail is sent addressed to him which I never receive because the post office returns the mail of deceased people to the original sender, and voicemails have been left for him. My husband passed away in XXXX of XXXX and PHH/OCWEN received proper verification that I am successor in interest by XX/XX/XXXX. There is simply no excuse for them to continue to attempt to communicate with my late husband instead of me. There is also no excuse for them canceling the modification agreement I signed, and no excuse for not notifying me or communicating with me in any way until they notify me of pending foreclosure.
In addition to submitting the application for assistance I have been working with a HUD counselor. Obviously I am not ok with losing my home, especially since I have made all the payments on time according to the modification agreement. PHH/OCWEN initially refused to speak with the HUD counselor and she reports that they even hung up on her once. She has finally been in contact and was informed by PHH/OCWEN that my application has been received and is being processed. PHH/OCWEN still has not communicated with me about the application. At the beginning of XXXX I received a letter from the law firm conducting the foreclosure. This was sent several weeks after my assistance application was received and is a violation of both federal and state laws concerning foreclosure and dual tracking. Once a loss mitigation application is received foreclosure must stop.
The balance I supposedly owe according to the law firm is outrageous, almost XXXX more than it was at the time of the initial modification. Despite the evidence I have that my payments to PHH/OCWEN were received, they continue to claim that I havent made a payment since XXXX of XXXX. What have they done with those payments??? As I stated previously they have not provided me with any account statements or notices of delinquency.
PHH/OCWEN has violated numerous rules here and because of this I am facing foreclosure and battling a company with quite a history of mishandling mortgage accounts. I read the lawsuit filed by the CFPB in XXXX XXXX XXXX. XXXX, and it sounds like nothing has changed with their practices since then. Based on that case, and the current violations committed by PHH/OCWEN I believe I have a very justified lawsuit if I were to pursue that course. In addition to the clear law and regulations that have been violated the actions of PHH/OCWEN have caused me extreme anxiety and panic attacks that prevent me from sleeping more than a few hours each night. They are causing serious damage to my mental and physical health. They have sent numerous people to my property to photograph my house and walk around on my private property. My XXXX XXXX XXXX mother lives with me and doesnt know anything about this, because, how exactly to you tell an XXXX XXXX XXXX who depends on you that you might be losing your home because of a mortgage companys incompetent/unethical actions? If we lose our home we have nowhere else to go. I work from home, without a home I will lose my job. How is this ok? Where are my protections? How does this company continue to violate laws and regulations and negatively impact the lives of so many people without any repercussions? How can I be faced with losing my home when I have done nothing wrong??? As the CFPB has already filed a suit against PHH/OCWEN for many of the same claims I am making I certainly hope they are making note of my current complaint. At this point all I want is for the foreclosure to stop. PHH/OCWEN can either honor the original modification I signed last year or give me a new modification within my income guidelines. I will happily assume the mortgage or do whatever else it takes for them to communicate with me, honor the agreements I sign and follow the laws and regulations around servicing my mortgage.
Things like this should not happen to me, or any other people out there trying to do the right things.
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| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear CFPB, XXXX XX/XX/XXXX, due to unemployment issues, a mortgage account I held with Ocwen Loans was charged off. The account was sold in XX/XX/XXXX to a company called XXXX XXXX. At that time, I was instructed by Ocwen that they no longer held or managed my account and that all payments were to be made to XXXX. Since, I have been making payments and my account is current with XXXX.
Last month ( in XXXX XXXX when reviewing my XXXX credit report ( See Attached Credit Reports ), I noticed a new, additional charge off noted on my Ocwen acct for XX/XX/XXXX. This month XXXX XXXX XXXX two new charge offs were noted for XXXX and XX/XX/XXXX.
This is a problem as this account was closed and sold my Ocwen in XXXX XXXX and, up until recently ( as per consumer law ) has not been reported on by XXXX.
Seeing this, I immediately submitted disputes with all three credit bureaus ( See Attached XXXX report # XXXX, I currently do not have copies of the other two bureaus reports ). I then wrote an email to Ocwen Loans on XX/XX/XXXX, ( See Attached XXXX email ) detailing my concern and asking for an investigation and correction.
I received a response on XX/XX/XXXX stating that they could not find a record of my acct. ( although I had already explained that it had been closed ) and to write to their Research dept. The next day, I faxed a letter to their Research dept ( See Attached XXXX letter ). Additionally, I sent another email stating that I had sent a request to Research.
To Note : When first searching for an email address for Ocwen, I visited their website ( ocwen.com ) and learned that Ocwen was requesting that all mortgage correspondence and/or inquiries be directed to a company called PHH ; there is a link on Ocwens website directing mortgage users to PHH 's website ( XXXX ). On PHHs site, I submitted an online form requesting assistance. I also called and spoke with their customer service dept. and this is where I first obtained PHHs direct email address.
As it has been almost two months of phone calls, emails, faxes, and back and forth with Ocwen and PHH, I can not detail all my communications but, I have provided attachments of my many emails and letters sent to both companies. Also, below is what has been happening over the last several weeks.
On XXXX XXXX ( See attached XXXX email ) I received an email response which stated that someone from PHHs Research Dept. would contact me in 10 business day but, no one ever did.
On XXXX XXXX I received yet another email that someone from their PHHs Escalation Dept. would call me in 2 days but, again, no one ever did ( See attached XXXX email ).
On XXXX XXXX, I sent yet another email to PHH and to their Escalation Dept. ( See attached XXXX email ) explaining that no one had called me from PHH or from their Escalation Dept., I received no response from PHH.
At this point, Ive been bounced around to various depts between the two companies, with no result. Ive explained and re-explained the issue I need help with and, as of yet, have received no resolution.
I believe Ocwens/PHH new entries of charge-offs on my credit report are in error. In an original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. Thats double the damage and is not permitted. It, effectively, re-ages the account and would begin the entire 7-year notation cycle at each new entry.
Additionally, it is reporting inaccurate information. PHH reporting that my account is delinquent and or overdue is simply wrong. My account is not overdue with XXXX and is current and in repayment.
I have notified and requested from Ocwen, PHH and all three reporting agencies a review and/or correction. As is evident from my attachments to this complain, Ive sent numerous emails, made multiple phone calls, written many letters in an attempt to notify all of the situation and to request review and correction. Ive exhausted all avenues to resolve this matter on my own and urgently need your help.
I believe part of this is simply lack of concern on PHHs end. They are quite aware of the possible damage their error could cause my credit and financial status. Its illegal for a company to knowingly continue to report inaccurate data to a consumers credit report. Yet, this is what PHH appears to be doing.
I checked my credit report a week ago ( See Attached " All three Credit XXXX '' ), and my credit score has dropped over XXXX points since before PHHs XXXX, XXXX and XXXX notations of charge-offs on my acct ( See Attached pdfs : " Before PHH entries '' and " After PHH entries '' ). I believe PHHs reporting plays heavily in this credit score drop. Before PHHs entries, my credit score with XXXX was XXXX, with XXXX XXXX, with XXXX XXXX. Now, both my XXXX and XXXX scores are below and at XXXX.
In addition, I was recently denied a loan. The denial stated that this was partly due to recent delinquent accounts. I have no delinquencies other than what has been noted by PHH/Ocwen.
If you could help me achieving the below corrections and results, I would be extremely appreciative. PHH and Ocwen and or affiliates : 1. Remove the entries from XXXX, XXXX and XX/XX/XXXX from my credit report.
2. Cease and desist current and any future reporting on this account and credit report.
3. Update balance as {$0.00} owing as they have been fully paid for this account and I have no balance.
4. As a good will gesture to help balance damage caused to my credit, remove the original charge off from XXXX XXXX.
5. Provide compensation, as per Consumer Protection law, of {$1000.00} for each entry in error XXXX XXXX, XXXX and XXXX XXXX reported to my account ( See attached credit reports ) and/or other compensation.
6. Send a letter to each three credit bureaus, explaining the error in their reporting and include a formal request to remove these and any subsequent errors and to ignore subsequent, future reporting on this account.
7. Most importantly, as XXXX XXXX, per their policy, will not be reporting on this account until fully paid, prevent any retaliatory action by PHH/Ocwen to initiate or pressure XXXX to report this account.
As to my request for compensation, as I noted above, PHHs erroneous reporting has caused significant damage to my credit and finances. It has cost me significant time, stress, and worry, on top of financial loss of a loan. With companies that seem to have so little regard for their actions, I believe the only real recourse to affect change and make these companies follow the low, is by affecting them financially.
I believe compensation as per the consumer protection laws is appropriate in my case.
I urgently need help resolving this matter. Ive worked hard over the years to improve my credit and meet my financial obligations and become a better consumer. I am disheartened and frustrated that PHHs and Ocwens mistake and disregard for their obligation of fair reporting, has marred my credit.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Please help us to pay off our note amount to XXXX XXXX ( XXXX since XXXX ) that Ocwen is holding hostage for DOUBLE the note amount.
Ocwen 's own 30b6 deponent testified they don't own the note and that they manufactured the default, yet they are demanding TWICE the note amount to redeem/payoff.
Ocwen has been tormenting us for more than 10 years. We never missed a payment we just wanted Owen to adhere to step down provisions of our note. Instead, from XXXX they rope a doped us into multiple modification schemes requiring huge downpayments, followed by foreclosure threats after successful trial periods, eventually accelerating our note on XXXX XXXX XXXX - despite being months ahead on payments at the time. They began refusing payments beginning in XXXX XXXX and have refused to allow us to payoff the note amount. They were found repeatedly to lack standing from XXXX -- until XXXX when they switched to an older contract not in place at the time of acceleration and successfully claimed we never missed a payment but paid the " wrong amount. '' North Carolina is a non judicial state so the only option to fight wrongful foreclosure is to bring a separate suit on " any legal or equitable grounds '' - which we did, surviving a motion to dismiss action by Ocwen. Our attorney ( XXXX XXXX of XXXX XXXX XXXX XXXX ; XXXX ) found in the course of legal and forensic research, Discovery provided by Ocwen, and by deposing Ocwen employee XXXX XXXX that : a. their own discovery notes and XXXX 's deposition show we DID NOT DEFAULT. ( discovery and deposition sent under separate cover ) b. They created and robo signed allonges separate from any note and many years after any alleged transaction to give the appearance of standing. ( XXXX 's depo described a " mass swearing in '' before they sign- with no notes present/attached ) c. The alleged " trust '' ( Renaissance Trust 2007-1 which was part of the 16B DOJ settlement against XXXX ) does not exist/never registered w/IRS as trust. ( IRS info sent under separate cover. ) d. The loan does not appear in the trust or on any other balance sheet and was removed from the credit bureau in XXXX. ( original lender XXXX XXXX went Bk in XXXX ) e. More than 50 examples of accounting fraud/malfeasance/incompetence including using bogus " Esrow shortages '' and no less than 6 theories of default used ( and debunked ) to justify foreclosure. IN XXXX XXXX XXXX taunted my lawyer in court that he " should have sued for accounting fraud. '' ( Accounting examples sent under separate cover ) However, in a MSJ hearing the judge said we were prohibited from presenting our findings in a court of law because of " Res Judicata '' - even though evidence of these claims has never been presented or the evidence examined in court due to the non-judicial nature of previous hearings. While this finding will likely ultimately be overturned, we would like to end this by paying off the note.
Ocwen 's own 30b6 deponent testified they don't own the note and that they manufactured the default, yet they are demanding TWICE the note amount to redeem/payoff.
Ocwen has been tormenting us for more than 10 years. We never missed a payment we just wanted Owen to adhere to step down provisions of our note. Instead, from XXXX they rope a doped us into multiple modification schemes, eventually accelerating our note on XXXX XXXX XXXX. ( we were 2 months ahead on payments at the time ). They refused all of our payments beginning in XXXX XXXX and have refused to allow us to payoff the note amount repeatedly through the years. They were found repeatedly to lack standing from XXXX -- until XXXX they switched contracts and successfully claimed we never missed a payment but paid the " wrong amount. '' North Carolina is a non judicial state so the only option to fight wrongful foreclosure is to bring a separate suit on " any legal or equitable grounds '' - which we did, surviving a motion to dismiss action by Ocwen. Our attorney ( XXXX XXXX of XXXX XXXX XXXX XXXX ; XXXX ) found in the course of legal and forensic research, Discovery provided by Ocwen, and by deposing Ocwen employee XXXX XXXX that : a. their own discovery notes and XXXX 's deposition show we DID NOT DEFAULT. ( discovery and deposition sent under separate cover ) b. They created and robo signed allonges separate from any note and many years after any alleged transaction to give the appearance of standing. ( XXXX described a " mass swearing in. '' before they sign- with no notes present/attached ) c. The alleged " trust '' ( Renaissance Trust 2007-1 which was part of the 16B DOJ settlement against XXXX ) does not exist/never registered w/IRS as trust.
d. The loan does not appear in the trust or on any other balance sheet and was removed from the credit bureau XXXX XXXX. ( original lender XXXX XXXX went XXXX in XXXX ) e. More than 50 examples of accounting fraud/malfeasance/incompetence including using bogus " Escrow shortages '' and no less than 6 theories of default used ( and debunked ) to justify foreclosure. ( Accounting examples sent under separate cover ) However, in a MSJ hearing on XX/XX/XXXX, the judge said we were prohibited from presenting our findings in a court of law because of " Res Judicata '' - even though evidence of these claims has never been presented due to the non-judicial nature of previous hearings. While this finding will likely ultimately be overturned, in the interim we would like to just payoff the note.
Even though their own 30b6 deponent testified they don't own the note and that they manufactured the default, they are demanding TWICE the note amount to redeem/payoff. Our note amount was XXXX - as of XX/XX/XXXX they want XXXX! In Ocwen 's typical lack of accounting veracity, the amount keeps going up in XXXX increments every couple of weeks ) We are willing to quit fighting these criminals and let them walk away with a windfall of the note amount but that isn't enough for them- they want to strip us of all equity as well. Ocwen 's latest attorney, XXXX XXXX of XXXX XXXX, ( there have been many ) stood in the well of the court and SCREAMED at the top of his lungs at the judge 's suggestion that we settle that he would " NEVER EVER EVER SETTLE, '' claiming he would take it to the Supreme Court before he settled with us. ( Really ). When the judge asked him where he got the note he basically replied that it doesn't matter, because they won.
ALL WE ASK is to pay the note amount and end this decade long battle. ( during which Ocwen 's henchmen have tormented us not just inside the courtroom but by continually breaking into our home, XXXX XXXX XXXX and XXXX me at my place of employment, and even coming to our XXXX XXXX XXXX. ) They would rather SPEND another XXXX than RECEIVE XXXX to just end this nightmare. Why? Given they own nothing, XXXX is a nice windfall.
We are willing to drop all legal measures and end this permanently. Just let us pay the note amount and we will be gone forever. That seems pretty reasonable.
Thank you for your attention to this matter, XXXX XXXX
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| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, I purchased a townhouse with GMAC/XXXX XXXX XXXX XXXX. I was not represented by counsel and placed a {$20000.00} down payment. I used a hand written note from my employer to verify income. That was a non issue at the time.
In XXXX, I defaulted on my payment due to loss of income. I asked my loan servicer if I could refinance or make partial payment and I was denied due to not having paystubs. Even though I was self employed and never provided one from the beginning. So I was subsequently foreclosed on without given options as to how I can keep my home. I turned off the power, winterized the property. Locked it up and moved before anyone could throw me out. I was never notified as to what happened with it.
On XX/XX/XXXX, The forclosure was canceled but I was not made aware of this.
On XX/XX/XXXX XXXX XXXX XXXX tried to file another forclosure action I was not aware of.
On XX/XX/XXXX The forclosure action was canceled again, and without notification.
On XX/XX/XXXX I filed Bankruptcy and was discharged of the debt which included house.
On XX/XX/XXXX The loan servicer changed to Ocwen Loan Servicing LLC. They filed a forclosure action against me. But the action was not on the county records. I was never notified of the change in servicer or the action.
On XX/XX/XXXX Forclosure was stopped due to statue of limitations. I was never notified.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. Attached was a check for {$1100.00}. I asked my bank to review the letter and I called XXXX. Ocwen was given a {$50000.00} consent order to pay anyone who had an open forclosure that was not finalized in XXXX. I asked if cashing the check would forfeit my right to any claim in the future and I was told No, because it was not a settlement. It was an order issued for violations that were made.
On XX/XX/XXXX I called Ocwen. I spoke with XXXX XXXX and she stated that the forclosure action was completed on XX/XX/XXXX of XXXX. But she could not provide any documentation on that. When I asked why the action was canceled she stated she didn't have any information and I had the right to sell the property because I was still listed as the owner. I had no idea I was listed as an owner still. XXXX also stated property value was {$180000.00}.
On XX/XX/XXXX I called Ocwen and spoke with XXXX XXXX. XXXX stated I would have to do a short sale in order to be released from the mortgage. {$4000.00} would go to pay the back due HOA which had not been paid in 7 years. The total HOA is more than {$20000.00}.
On XX/XX/XXXX I hired and paid {$3000.00} to XXXX XXXX with XXXX XXXX to negotiate with Ocwen on my behalf because I could not get a straight answer from the servicer.
On XX/XX/XXXX I called Ocwen and spoke with XXXX XXXX. He stated the modification was approved for {$160000.00}. I asked for him to explain what happened the last 10 years with the house and how come I was not told the house was still mine? He stated the bank could not find me and they were waiting for my bankruptcy to become inactive so they could file for foreclosure again, and that I should take the modification because its unlikely I'll get approved for a second one. There are 3 things wrong with this. 1st is that in the 21st century it's not hard to locate a person. Especially if XXXX was able to do so. 2ndly, My bankruptcy attorney XXXX XXXX told me that discharging the debt allows the bank to reclaim the property unless there was something wrong with the original mortgage or the statute of limitations have run out.
On XX/XX/XXXX I called Ocwen and spoke with XXXX XXXX and asked for her to explain the statute of limitations to me and she could not, but would submit a request to the research department on my behalf. It will take 10 days.
On XX/XX/XXXX I called Ocwen and spoke with XXXX XXXX. I submitted a request to receive any documentation available on the previous loan servicer so I can find out what happened with the first 2 foreclosures. It will take 10 days.
Being fed up I XXXX what the Statue of limitations are in NY. It states that 6 years after the acceleration event takes place, the bank has to forclose. It was shared with me that the event took place with the 1st action in XXXX. The bank had rights to forclose by XXXX. But the action was not completed. Which allows me to use that statue in defense.
Acceleration can occur in three primary ways : The lender notifies the borrower that they intend to accelerate the debt ; The lender demands payment in full of the mortgage loan ; The lender files a foreclosure action in civil court.
Any of the above actions will start the statute of limitation running and the lender will then have XXXXix years from that date to pursue a foreclosure action. If the lender fails to do so, they will lose the right to collect on any of that mortgage debt in the future through the courts, including seeking a foreclosure.
I found 2 similar cases posted in XXXX.
Six years seems like a long period of time for a lender to file a foreclosure case, so it is natural to wonder when the statute of limitations may actually come into play. This is when we remind you of the often incredible length of the foreclosure process in New York.
To best understand the role the statute of limitations can play in foreclosure cases, we will examine some cases in which it was successfully asserted in New York courts either as a defense or as an affirmative claim.
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX this case, the full unpaid balance of the mortgage loan became due in XXXX of XXXX and the borrowers ( the plaintiffs ) did not pay the balance. When the lender ( defendant ) failed to file any action in court seeking a foreclosure through XXXX of XXXX, the plaintiffs filed their own legal action to have the balance of the debt canceled based on the expiration of the statute of limitations. Ultimately, the XXXX XXXX Supreme Court agreed thatthesubject mortgage should be extinguishedbecause the lender took no action within the statute of limitations.The mortgage payment obligations were then effectively ended.
XXXX XXXX XXXX XXXX v. XXXX The borrowers ( defendants ) stopped making payments on their mortgage, so the lender filed an initial foreclosure claim to collect the entire mortgage amount in XXXX of XXXX. The case was never completed and the XXXX XXXX Supreme Court dismissed the case without prejudice in XXXX. In XXXX, the new owners of the mortgage filed a second foreclosure action and the borrowers asserted the defense based on the expired statute of limitations. The court dismissed the case, agreeing that the lender no longer had the right to seek a foreclosure of the mortgage Due to the loss of my home in XXXX. I have suffered from XXXX, XXXX and XXXX. At XXXX years old I gave every penny saved to be in my dream home and have suffered the loss of that since. If it's in my right to keep my home. I would like to do so. It was advised to me to not sign the modification. I will follow that advice.
|
| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was directed by the Division of Enforcement U.S. Securities and Exchange Commission to submit my claim to CFPB as well. Because of concerns regarding predatory lending, I am disputing the validity of the current debt that is allegedly owed to XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX serviced by OCWEN. Based on my research the mortgage assignment from XXXX XXXX XXXX f/k/a XX/XX/XXXX XXXX has discrepancies in one or all of the following : 1. XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX SEC File Number : XXXX The Pooling and Servicing Agreement filed with the SEC states the following : 1. This Trust Cut-off Date is XX/XX/XXXX and the closing Date is on or about XX/XX/XXXX. 2. Under the Delivery of Mortgage Loan Documents - In connection with the transfer and assignment of each mortgage loan to the trust, the depositor will cause to be delivered to the trustee, on or before the closing date. 3. Alleged mortgage assignment was dated XX/XX/XXXX over 4 years after trust closed and recorded with the county clerk on XX/XX/XXXX which is 6 years after the trust closed. 4. XX/XX/XXXX is the DEPOSITOR. 5. The assignment of the note and mortgage from XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. EPTL 7-2.4. 2. XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX and OCWEN have relied on a fraudulent Mortgage Assignment. On United States Bankruptcy XXXX XXXX District of XXXX XXXX XXXX Case No XXXX. On XX/XX/XXXX Declaration of XXXX XXXX XXXX as President of XXXX XXXX XXXX f/k/a XX/XX/XXXX XXXX declared under penalty of perjury the following : 1. XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights. 2. XXXX XXXX also does not own any residential real estate mortgages. As a result XXXX XXXX f/k/a XXXX XXXX XXXX XXXX has no rights to Assignment of Mortgage dated XX/XX/XXXX as its servicing rights and residential real estate mortgages ended on or before XX/XX/XXXX per the Declaration of XXXX XXXX XXXX ( President of XXXX XXXX XXXX f/k/a XX/XX/XXXX XXXX ) The Assignment is dated XX/XX/XXXX and was signed by XXXX XXXX in XXXX County, XXXX. XXXX purports to be a corporate officer ( Assistant Vice President ) of XXXX XXXX XXXX. XXXX XXXX is not and has never been employed by XXXX XXXX XXXX ; she is actually employed by XXXX in its XXXX, XXXX ( XXXX County ) office. XXXX XXXX is a known robo-signer. 1. On CIRCUIT COURT OF THE XXXX JUDICIAL CIRCUITIN AND FOR XXXX XXXX COUNTY, XXXX Case : XXXX, XXXX XXXX in a Motion for Summary dated XX/XX/XXXX submitted a notarized affidavit of indebtedness swearing she was an officer of XXXX XXXX XXXX XXXX , XXXX, Servicer and Attorney in Fact. 2. On XXXX Superior Court Judicial District of XXXX at XXXX, DOCKET NO. XXXX, XXXX XXXX in a MEMORANDUM OF DECISION dated XX/XX/XXXX submitted a notarized affidavit swearing she was the assistant secretary of XXXX XXXX XXXX XXXX , XXXX 3. On UNITED STATES DISTRICT COURT XXXX DISTRICT OF XXXX XXXX XXXX XXXX Case No. : XXXX XXXX XXXX, A substitution of trustee was recorded in which an document was signed by XXXX XXXX, purportedly as Assistant Vice President of XXXX XXXX on or about XX/XX/XXXX 3. To aid in invalid XXXX County mortgage assignments, XXXX XXXX has used all of the following different job titles : Assistant vice president of XXXX XXXX XXXX AKA XXXX XXXX ( XX/XX/XXXX ) XXXX Assistant Secretary of XXXX XXXX XXXX AKA XXXX XXXX ( XX/XX/XXXX ) XXXX Assistant secretary and vice president of XXXX XXXX XXXX XXXX , XXXX, as Servicer for XXXX XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX, asset-backed Pass-through certificates, series XXXX, under the Pooling and Servicing Agreement dated XX/XX/XXXX ( XX/XX/XXXX ) XXXX Authorized Signer of XXXX XXXX XXXX AKA XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX, asset-backed Pass-through certificates, series XXXX, under the Pooling and Servicing Agreement dated XX/XX/XXXX ( XX/XX/XXXX ) XXXX 4. XXXX XXXX is not listed as an officer of XXXX XXXX XXXX in the XXXX corporate records, nor did XXXX XXXX have offices in XXXX, where the Assignment was notarized. 5. The Director of XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX is currently under Department of Justice court proceeding alleging XXXX engaged in a fraudulent scheme to sell tens of billions of dollars of residential mortgage backed securities from XX/XX/XXXX. Based on the audit of this alleged mortgage loan file the following issues have been identified : 1. The alleged mortgage assignment violates XXXX XXXX XXXX , XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX Pooling and Servicing Agreement filed with the SEC 2. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trustee in contravention of the trust is void. EPTL 7-2.4. 3. That any sale or transfer of this loan was not conducted in accordance with law and was not a valid sale of this note ; 4. That the claimed holder in not due course of this promissory note and/or deed of trust and is not holding such note in compliance with all laws and is not entitled to the benefits of any payments ; 5. That any servicer and/or sub-servicer of this mortgage after XX/XX/XXXX has not serviced this mortgage in accordance with the terms of this mortgage, promissory note, and/or deed of trust ; 6. That each servicer and sub-servicer of this mortgage after the date of XX/XX/XXXX has not serviced this mortgage in compliance with all laws ; 7. That this mortgage loan has not properly been credited, debited, adjusted, amortized, and charged ; 8. That any charges, fees, and expenses after XX/XX/XXXX is not obligated by any agreement. DATES : I contacted OCWEN the servicer of the loan via phone in XX/XX/XXXX regarding my issues with predatory lending. After months on phone conversations i was instructed to put my issues in writting. On the following dates i wrote to OCWEN attaching evidence of my concerns with Ocwen 's response being they have found no evidence to support my claims. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX as Trustee with my concerns and she directed me back to OCWEN as the servicer. On XX/XX/XXXX I contacted the SEC to report Pool and Servicing Violations there response was ; given the subject matter of your submission, we believe you should also refer the matter to the Consumer Financial Protection Bureau.
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| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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in XXXX we refinanced our property with XXXX XXXX apparently they were a little broker firm dow n the street we a ctually were setup to sign with XXXX XXXX coming from XXXX same little broker down the street came a year after the first refinance, the loan was a XXXX loan at 30 year fixed we paid all the payments on time to various loan servicers throughout the loan, in XXXX ahmsi american home mortgage made massive mistakes in accounting we should have never been in foreclosure, they refused the payments ultimately at one point and r efused to take any more payments insisting we had not paid one, in XXXX we filed a federal lawsuit with ah msi and XXXX and XXXX power default resolution, the assignments of mortgages were filed with XXXX XXXX XXXX XXXX which is the same signature as the foreclosing trustee XXXX XXXX , XXXX they are supposedly the newest trustees working for ocwen, in XXXX before ocwen started servicing the loan ahmsi had changed their name to homeward residential our payments were refused in XXXX XXXX in XXXX XXXX we borrowed a hard money loan to pay the payments they claimed we had not paid but were again paying the demanded amount over again the quote was for XXXX on XXXX the same day we got the faxed quote we went to out bank as instructed by power default services homewards subbed in trustee s and sent same day air fed ex a cashiers check for XXXX after i came home from sending that payment out i did n't know if it counted for XXXX XXXX so i wrote a check to homeward in the amount of XXXX a regular mortgage payment including late fees, they at that time transferred the loan to ocwen loan servicing, still no money was placed against the loan balance and it definitely did not reinstate our loan in XXXX i received the XXXX XXXX payment in the mail saying the excuse they no longer serviced the loan and returned my check, during the last 3 years after everyday making complaints with them, you and every other state local office bureau and attorney general, comp of currency sec, fdic federal trade office of thrift super and the list goes on bbb doj doc, consumers affairs i got nowhere our money had been stolen over 300,000.00 in actual payments had been paid yet the house remained in foreclosure, they took the house at trustee sale which is again robo signed and the same signature as the notary and sales assistant at XXXX XXXX , my husband has since died and we struggled to save his life during this time he was XXXX XXXX XXXX XXXX XXXX XXXX XXXX for three years being XXXX XXXX XXXX XXXX , and still fighting to get some resolution feeling totally ripped off ocwen has tacked on XXXX in foreclosure costs and property inspections, as well as we were charged for property maintainence fees when they didnt do any maintainence on the property, it was like totally amazing i couldnt get my point across i have numerous complaints with your company since you opened, still the same complaint except nothing entirely got looked at, any response was bogus and untrue, when the foreclosure sale happened we were not made aware of it actually i wasnt made aware of it they foreclosed when they found out my husband had died not two weeks later. no notices were served as to a date or time of sale or where, i ran a title search and found out weeks later of the sale, and when the eviction came they served a lady who answered the door who took the paperwork on my husbands behalf and did n't tell us until they filed for default from no response, i hired a lawyer to sue for wrongful foreclosure and to fight the unlawful detainer cause we 've owned the property since XXXX and have a machine shop in the rear portion of the property that i have almost killed myself trying to move it out before we get kicked out, in fear they would seize my personal belongings and all our equipment or my dead husbands XXXX XXXX XXXX and construction machinery, frantic about it i filed this lawsuit and since the foreclosure the sham attorney has charged me almost XXXX in fees and is demanding an nother XXXX this month im going broke and my borrowed money to save the property is balloon payment is due this year in XXXX of XXXX i am now faced with the loss of that property because the money was stolen by homeward and o cwen. ocwen has sent me a statement that shows they tacked on XXXX in unpaid interest this amount is so incorrect XXXX in back escrow amounts and i paid the insurance but they charged me for it anyways, they came to the attorney i retained with a settlement offer pending i retract my complaint with your company, its total blackmail saying if i dont take back my complaint from you my offer in settlement wo n't look so good, today i got the offer they proposed and its far from my original XXXX loan amount now the offer is im to pay XXXX principal and interest ( ( get it interest on the unpaid interest ) ) monthly payments of XXXX which is far more than the normal payment of XXXX not including late fees and at the end of my 30 year fixed rate of XXXX im to pay a balloon payment of XXXX and they will not finance that for me so my loan refinance ha s turned into well overt 1.5 million dol lars at the end of a 30 year duration this is so way beyond forgiving some principal they are liars and fraudulent now blackmailing me to withdrawl my complaints to reach some kind of offer, and because i did n't do it and retract the complaint that was my XXXX off blackmail and now here 's another complaint. fraud and forgery is continuing within the ocwen company still after all the lawsuits and filings of bogus paperwork fabricated within their business and still california or any state regulator tu rns a blind eye and a dea f ear to this happening why is this happening and why are you letting them get away with it? it is unbelievable. so here 's another complaint for ocwen to not choke on actually how many complaints come from people pertaining to forgery and theft and predatory blackmail before you close them down i guess it does n't matter i certainly have lost all faith in justice and our california government doing anything about it is it you people get kick backs from this company that you would let it continue to harm california neighborhoods and kick people on the street making hard earned dollars get stolen and fraudulent paperwork go by the wayside to help the ocwen family out after all XXXX XXXX still owns 100 % stock shares in ocwen as does his brother who operates in florida, XXXX now just owns 100 % of XXXX which is the management company of all the stolen houses and he owns the XXXX website that sells them and the t rustees XXXX XXXX is also owned 100 % by XXXX XXXX how are you people lettin this theft and fraud to continue.?? more questions that will never be answered another stupid complaint cause i wanted to tell the story again can you even imagine
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| 11/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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( Foreclosure Defense in the case of XXXX XXXX vs. XXXX ( XXXX ) Property Address : XXXX XXXX XXXX, XXXX, CT XXXX ) Date : XX/XX/18 Dear Sir / Madame, REGARD : FRAUD - FABRICATED, FORGED, FAKE ASSIGNMENT OF MORTGAGES ( AOM ). I am asking for an investigation into Ocwen Loan Servicing LLC the servicer and XXXX XXXX, they have submitted to the court and recorded two ( 2 ) fabricated, forged, fake Assignment of Mortgages ( AOM ) that was recorded at the County Records Office in XXXX, CT and submitted to the Court, which the banks attorney is presently using in court to facilitate foreclosure on my home. These are fraudulent Assignments of Mortgages and foreclosure Trust requires valid legal proof of ownership of Mortgage and Note in any foreclosure action. I am sending you these two ( 2 ) AOM documents, along with the evidence of this fraud for an investigation in this matter. Please confirm in writing that you will be conducting an investigation in regards to this fraud. These are the names of the fraudsters, on # 1 AOM are XXXX XXXX as Vice President of a bank, XXXX XXXX, XXXX XXXX as witnesses, and XXXX XXXX as the notary, they were all employees of XXXX XXXX XXXX. The names on # 2 AOM XXXX XXXX and XXXX XXXX with both as Vice President and Assistant Secretary of the bank at the same time. Both were employees of XXXX ( a forgery mill ). All named individuals herein are on both ( 2 ) assignment of mortgages submitted to county records and the court to facilitate foreclosure against my home are fraudsters, robo signers. They stated they were Vice President, Notary, witnesses on both ( 2 ) fabricated, forged Assignments of Mortgages and many other Assignments of Mortgages that I have submitted as evidence. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, were employees of XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX were employees of XXXX ( a forgery Mll ). None of these named individuals were ever any VICE PRESIDENTS ( VP ), Assistant Secretary, or Authorized Signer of any Banks in the USA or in the World. I have enclosed evidence to prove that they were fraudsters, and they have forged, fabricated both two ( 2 ) Assignment of Mortgages, therefore committing fraud on our Real Estate system, while trying to defraud me. The evidence will show the many different signatures used by them and many different titles and VP positions held by all named individuals herein. I Have also included the names of the many different Banks they claim they were Vice Presidents, Assistant Vice President, Authorized Signer of some within the same year. I have enclosed copies of both Assignments of Mortgages that the XXXX Attorney have submitted XXXX XXXX XXXX and the XXXX, along with evidence of the fraud. I also enclosed known valid notarized signatures of XXXX XXXX ( the other joint mortgagee ) on two Quitclaim Deeds that do not match the signature they have on the shrink photoshop copy of the Open-Ended Mortgage that was witnessed by a defunct witness. This is not the original document and the only person came to my house. I have requested the original wet ink signature document and it has not been presented to me, I have also enclosed evidence of this fraud. I have been trying to defend my home in regards to this AOM fraud and I need help to investigate this fraudulent action by the bank / Servicer who thinks they are above the law and therefore corrupting the laws. The bank is XXXX XXXX XXXX, and the defunct present servicer is Ocwen Loan Servicing LLC in Fl ( aka ) XXXX XXXX XXXX, ( aka ) XXXX XXXX, ( aka ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( aka ) XXXX XXXX and XXXX XXXX that filed for chapter XXXX after they were sued by the States for predatory lending, forgery and other crimes against homeowners. Now Ocwen Loan Servicing is trying to implement their predatory loan and foreclosing on my home with two ( 2 ) fabricated, forged assignment of Mortgages. The Servicer / Debt Collector name and address is noted below. ADDRESSES BELOW Ocwen Loan Servicing LLC, Tele : XXXX 1 ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX This is also serious misconduct on behalf of the banks attorney who knowingly and deliberately submitted fake ( AOM ) documents to facilitate foreclosure and commit fraud on behalf of their clients. The Banks attorney presenting this fraud to the court is * XXXX XXXX XXXX of XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Tele : XXXX Our entire system of Real Estate is founded and depend upon the ability of The County Records, The Courts, and Our Justices to believe in the notarized documents submitted or presented before them as facts, truth, and valid legal documents. These forged, fabricated, fake Assignment of Mortgages ( AOM ) documents and actions by Fraudsters, and assembly line document production that have been submitted to County Records, The Courts with no concern for the facts and truth in front of Our Justices, have done great injustice to our system of Laws. The proper and accurate recording of property transfers is essential to protect our property rights. Assignments of Mortgages ( AOM ) are key to determine who actually own the mortgage, a very important matter in regards to people lives and homes. The bank 's attorney has submitted fabricated, forged documents to the court, even after she was notified of this fraud. This is a Serious Misconduct and she should be reported and barred from practicing Laws. She knowingly presented fraud to the court. She presented it in her Motion to Strike and after she was made aware she omitted the one signed by XXXX XXXX and again submitted the other signed by XXXX XXXX in the Motion for Summary Judgement. These fraudsters have signed countless fabricated, forged Mortgage Assignments for many different banks and financial Institutions. XXXX XXXX signed with a XXXX or scribbles, or Markings not as XXXX XXXX XXXX, as required on his notary application by FL state laws, and also with many other different signatures. A copy of his notary application in FL with his signature is enclosed. He has stated in sworn statements his named was also signed over 5,000 times by others people. Some of these fabricated, forged documents were also witnessed by XXXX XXXX, and XXXX XXXX with all different type of signatures for each individual named herein that was used in their fraud. Therefore, COMMITTING FRAUD IN THE COUNTY RECORDS AND COURTS JUDICIAL SYSTEM. I HAVE ALSO ENCLOSED A COPY OF A LETTER FROM THE OFFICE OF THE ATTORNEY GENERAL IN THE STATE FL in regards to their investigation in Ocwen Loan Servicing. Please investigate this matter in regards to this fraudulent Assignment of Mortgages and please forward it to any offices or departments that need to investigate this fraud. Thanks in advance for your assistant in regards to this matter. Please inform me in writing via mail and email of your intention in regards to this matter. Sincerely, XXXX XXXX ( aka ) XXXX XXXX XXXX
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| 06/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH Mortgage filed a Notice of Default in XX/XX/XXXX while not responding to a mortgage loan modification request and after multiple requests for a mortgage loan reinstatement amount in the month of XX/XX/XXXX.
They are now assessing fees for over {$3900.00} related to the NOD and attaching them to the monthly mortgage statement after the mortgage loan was reinstated in XX/XX/XXXX.
On XX/XX/XXXX, at XXXX, I called PHH Mortgage at ( XXXX ) XXXX ( Legal Dept. on my mortgage statement ) to reinstate my delinquent mortgage. The recording stated, due to unforeseen technical difficulties we are unable to connect you to a customer service representative.
At XXXX I called PHH Mortgage during normal business hours at ( XXXX ) XXXX and the recording stated sorry, we are closed.
On XX/XX/XXXX, at XXXX, XXXX and XXXX, I repeatedly called the legal dept. and main phone line on my mortgage statement ( XXXX ) XXXX and ( XXXX ) XXXX and recordings stated due to unforeseen technical difficulties we are unable to connect you to a customer service representative.
At XXXX I called a number on PHH website ( XXXX ) XXXX and spoke to an agent. The agent informed me I had to get a reinstatement amount from the legal dept. and put me on hold. He was unable to reach the legal dept and said he would send them a request code for the reinstatement amount.
He said it would take 3-4 days possibly even a week due to COVID-19.
The agent said I would get the details of the reinstatement amount via email. He stated the reinstatement code would be good for 30 days and there would be no further fees or expenses added to the account. I did not receive the reinstatement information as promised.
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, entitled " Early Intervention Borrower Assistance. '' The number given in the letter is ( XXXX ) XXXX and no live person answered that number. ( XXXX XXXX XXXX. ) A Notice of Default was filed 16 days ( XX/XX/XXXX ) after PHH Mortgage offered solutions in the Early Intervention letter dated XXXX. They did not give me an opportunity to reinstate my mortgage as reinstatement was an option on the letter.
On XX/XX/XXXX, at approximately XXXX, I called the legal dept. at ( XXXX ) XXXX and recording said sorry we are closed. Then I called the number on my mortgage statement ( XXXX ) XXXX and the recording said unable to connect you to a customer service representative. ( See Attachment 2. ) At XXXX I spoke to Agent No. XXXX at a number found on the Internet of ( XXXX ) XXXX. She informed me the request was already sent to the foreclosure attorney on XX/XX/XXXX. She put me on hold to call the legal dept. but she was unable to reach anyone. Agent stated, multiple requests have been sent but the foreclosure attorney is not responding.
PHH Mortgage Agent said she would send the request to the foreclosure coordinator. The agent put another request in for a reinstatement code. I never received a reinstatement amount.
On XX/XX/XXXX, I emailed PHH Home Retention Dept. at XXXX requesting reinstatement amount and where to pay. No response. ( See Attachment 3. ) XX/XX/XXXX, I received several certified letters dated XX/XX/XXXX, entitled Immediate Action is Required To Avoid Foreclosure.
XX/XX/XXXX, at XXXX, I emailed PHH Home Retention Dept. at XXXX again requesting a mortgage reinstatement amount. I got no response. ( See Attachment 4. ) XX/XX/XXXX, at XXXX, I finally received a Mortgage Reinstatement Quote and was able to wire transfer the amount needed to reinstate my mortgage. This was after the XXXX XXXX County ConsumeXXXX Department called on my behalf. ( See Attachment 5. ) The assessed fees associated with the Notice of Default decrease and increase each month. On XX/XX/XXXX, the amount was {$3600.00}. ( See Attachment 6. ) XX/XX/XXXX mortgage statement shows assessed fees and charges associated with Notice of Default as {$2300.00}. ( See Attachment 7. ) An additional XX/XX/XXXX mortgage statement shows assessed fees and charges associated with Notice of Default as {$2600.00}. ( See Attachment 8. ) XX/XX/XXXX mortgage statement shows assessed fees and charges associated with Notice of Default as {$3900.00}. ( See Attachment 9. ) My Homeowners Bill of Rights was Violated : There was no foreclosure avoidance assessment A mortgage loan modification was submitted on XX/XX/XXXX. I never received a response. PHH engaged in dual tracking.
PHH Mortgage filed a Notice of Default on XX/XX/XXXX. That was 16 days after they mailed an Early Intervention Borrower Assistance letter dated XX/XX/XXXX. I did not actually receive that letter until XX/XX/XXXX. PHH Mortgage did not give me an opportunity to act on the Early Intervention options even though I attempted multiple times to get a mortgage reinstatement quote prior to them filing a Notice of Default.
PHH Early Intervention Borrower Assistance letter contains a contact number of ( XXXX ) XXXX that they did not answer or allowed for a voicemail message to be left.
I did not speak to anyone at PHH Mortgage prior to the Notice of Default being filed. PHH Mortgage failed to send a certified letter to provide me a way to contact them in a timely manner, including a toll-free telephone number that not only worked but would have provided access to a live representative during business hours prior to them filing a Notice of Default.
PHH Mortgage misrepresented their contact numbers on the mortgage statements in XX/XX/XXXX and on the Early Intervention letter dated XX/XX/XXXX. Not one of the numbers, including the legal department number, were answered. Additionally, the numbers did not connect me to a voicemail or human representative that includes the Toll-free number : XXXX and the Legal Department number : XXXX.
Notice of Default filed 7 days after I attempted to bring mortgage current by requesting a mortgage reinstatement quote.
The Legal Department refused to give me a mortgage reinstatement quote in a timely manner to avoid a Notice of Default being filed.
Notice of default was filed prior to PHH completing due diligence required by Bill of Homeowners Rights, even though PHH Mortgage check-marked and signed the California Declaration of Compliance stating they did exercise due diligence. ( See Attachment 10. ) California Civil Code section 2923.5 requires lenders to contact the borrower in person or by telephone to assess the borrowers financial situation and explore options for the borrower to avoid foreclosure, 30 days before recording a Notice of Default against a property. PHH Mortgage did not exercise due diligence.
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from PHH Mortgage apologizing for the delay in response to my request for the mortgage reinstatement quote. As you can see from the envelope, the post-mark is dated XX/XX/XXXX. ( See Attachment 11. )
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| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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CONTACT : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX . XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ________________________________________ to the BBB. Since OCWEN 's letter of resolution sent to me XX/XX/XXXX, I have received repeated letters of harassment from the ocwen regarding my mortgage even though it has been paid each and every month since XX/XX/XXXX. I have never been 30 late with my mortgage. this is intentional and emotional attempting me to comply to their modification which I rejected. I received a letter todayXX/XX/XXXX, dated XX/XX/XXXX from Ocwen stating I was delinquent in the amount of {$5700.00} for {$2300.00} for XX/XX/XXXX & {$2300.00} XX/XX/XXXX. payments which were prevously paid. also, the letter stated that from XX/XX/XXXX through XX/XX/XXXX I owed {$670.00} for these months totaling {$2600.00} as uncollected money. Please keep in mind that my original payment of XXXX is what I had paying UNTIL again, I applied and rejected their modification of approx. {$700.00} a monthly increase. I have left messages for the office of ombudsman repeatedly since this time and with the exception of my XX/XX/XXXX mortgage, ( which they manually processed of {$1600.00} ), I can not get a return call. I do not owe any of these amounts. to make matters worse since the original mortgage with XXXX ( ocwen brought out in XX/XX/XXXX ), I have spoken many times with their reps attempting pay because their system keeps telling me that I must pay in XX/XX/XXXX XXXX to cover taxes each month for XX/XX/XXXX which I did. The have never paid my taxes & insurance prior to XX/XX/XXXX. I have always paid independently my own taxes and fire insurance annually w/o escrowing them.. in XX/XX/XXXX, I discovered that ocwen paid my taxes w/o me knowing and is forcing me into the {$2300.00}. monthly this is forcing me into hardship ... also, to make matters worse, they are intentionally assessing me forXX/XX/XXXX thru XX/XX/XXXX {$2600.00} in arrearage into their modification which I declined. Furthermore, when I went to pay my XX/XX/XXXX mortgage the system electronically indicated that I owed {$2700.00} for month which is increasing steadily each month. This is totally extremely an error they are intentionally frauding me to pay the prior 4 month of XX/XX/XXXX while steadily increase my mortgage and threating me with letters of foreclosure and the loss of my home the letter states. which escalating monthly. this has created great threats and emotionally drained dealing with this issue. I called monthly to their system to pay only to get a different rep from another county insisting that they are correct along with repeated monthly calls. I NEED THIS COMPANY TO RETURN BACK TO MY ORGINIAL PAYMENT OF {$1600.00} AND STOP THE REPEATED LETTERS AND CALLS REGARDING TAKING AND STOP THREATHING MY HOME THRU FORECLOSURE. PLEASE CALL ME THANKS XXXX Dear XXXX XXXX : On behalf of Ocwen Loan Servicing, LLC ( Ocwen ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received on XX/XX/XXXX, regarding the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. Our records indicate the monthly payment inadvertently reverted back to {$2200.00}, which included funds for the escrow account. The account has again been updated to remove the escrow payment from the account. As of the date of this letter, the account is due for the XX/XX/XXXX payment in the amount of {$1600.00}. I will ensure any late charge assessed for the XX/XX/XXXX payment is removed. In addition, I will ensure if any negative remarks are reported to the credit reporting agencies, that they are removed. On behalf of Ocwen, I apologize for any frustration or inconvenience this matter may have caused. The Office of the Consumer Ombudsman is your advocate to ensuring that Ocwen 's servicing remains fair, reasonable, and proper. Sincerely, XXXX XXXX XXXX The consumer indicated he/she DID NOT accept the response from the business. What they are saying is NOT the entire truth. I have attempted to pay my XX/XX/XXXX mortgage {$1600.00} this month to avoid a late fee, but the system as of XX/XX/XXXX IS STILL requesting that I pay {$2200.00}. On XX/XX/XXXXI called because I received a bill in the amount of {$3300.00} staying that I have n't paid XX/XX/XXXX and they were requested XX/XX/XXXX as well. the entire month the system was would place my mortgage in suspense until I paid the balance which was the escrow XXXX I spoke with a rep on XX/XX/XXXX and again I tried to pay and they stated that since I have filed a compliant the XXXX the system would still take additional 5 business days to update. As stated in my complaint, I have never been reported late to the XXXX and I would ask that would you please insure that this entire process does not effect my credit status in good standing w/the XXXX. otherwise, I will again attempt after the 5 business days to pay my XX/XX/XXXXhopefully w/o incident. Dear XXXX XXXX : On behalf of Ocwen Loan Servicing, LLC ( Ocwen ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received on XX/XX/XXXX, regarding the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. Ocwen 's records indicate the account was previously approved for a Home Affordable Modification trial loan modification. The trial loan modification included an escrow account for property taxes and homeowner 's insurance, which were not previously included with the monthly payment. The HAMP trial loan modification was scheduled to begin with the XX/XX/XXXX payment, in the amount of {$2200.00}. This payment would have included principal and interest in the amount of {$1400.00} and escrow in the amount of {$790.00}. The contractual principal and interest payment is {$1600.00}. , the HAMP trial loan modification was canceled and the escrow account was removed. is once again responsible for remitting payment directly to the tax collector and insurance carrier. As of XX/XX/XXXX, the payment was updated to {$1600.00}, which includes principal and interest only.
As of the date of this letter, the account is due for the XX/XX/XXXXpayment in the amount of {$1600.00}. Thank you for bringing your payment concerns to our attention. Ocwen has resolved the issue you identified effective XX/XX/XXXX. If you believe there is documentation relevant to your issue which was not provided, you may request such documents by contacting me directly at : IN XX/XX/XXXXI TRIED TO REFINANCE WITH THERE OFFICE AND THEY REFUSE STATING CREDIT SCORE WAS LOW EVEN THOUGH BUT MY TRACK RECORD WITH THEM WAS NEVER MISSING PAYMENTS. I AM CAUGHT IN A WEB BECAUSE OF HIGH RATE.
|
| 07/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I apologize I have filed numerous complaints but the more I look the more I find.
Phh mortgage stole XXXX from our escrow account and XXXX insurance can verify it. They actually paid for 2 insurance policies to cover up some of their fraud. I now have two home insurance policies they charged me for. I will attach both policies for you. So they have taken almost XXXX out of our account for homeowners insurance. We want the XXXX they stole mailed certified XX/XX/XXXX and the flood insurance check they are regarding. I have reached out to the attorney general in New Jersey and in Texas.
I will file with the police department and forward you the case number.
This is the only license they possess that is not surrendered.
I want them penalized for stealing more money from us. We discovered about XXXX today in fines. I will paste them beneath. It just makes me nauseated.
Our accountant XXXX is essentially going through all the spreadsheets.
This is the only license that has not been surrendered. I want it revoked immediately. Below you will see the list of fees and the 2 insurance policies that are currently on our home. That's almost XXXX stolen from us once again. It's heartwrenching. I can not take much more. I have to go to dr tomorrow for my XXXX XXXX and I have been having chest pains. I can not take much more of this!
Owner/Entity Name : PHH MORTGAGE CORPORATION Location-Address : XXXX XXXX XXXX Business Name : Zip : XXXX License Number : XXXX City : XXXX XXXX Status : Active State : NJ XXXX policies at XXXX XXXX of them and I am charged almost XXXX.
policyholder Name XXXX XXXX Phone ( XXXX ) XXXX Policy Contact Email XXXX Policy Details Policy Number XXXX XXXX XXXX Effective XX/XX/XXXX to XX/XX/XXXX Status Active Premium {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Coverages Coverage A - Dwelling {$200000.00} Coverage B - Other Structures {$20000.00} Coverage C - Personal Property {$83000.00} Coverage D - Loss of Use {$20000.00} Coverage E - Personal Liability {$300000.00} Coverage F - Medical Payments To Others {$5000.00} Deductibles Wind/Hail {$4100.00} All Other Perils {$2000.00} Policy SearchEnter Payment DetailsReview and submit Policy Information ContinueCONTINUE CancelCANCEL Policy Holder Name : XXXX XXXX Policy Number : XXXX XXXX XXXX Term : XX/XX/XXXX - XX/XX/XXXX Total Premium + Fees : {$1800.00} Outstanding Balance : {$0.00} Minimum Due : {$0.00} Due Date : XX/XX/XXXX XXXXEmail Address : XXXX Payment Plan : Credit Card eCheck Please note : The payment method that has been preselected for you is based on your last payment. If you would like to change how you are paying for your policy, please contact your agent. Any changes to the payment method may result in a change to your premium.
eCheck Details *Payment Amount : *Account Number : Edit ACH Account I want them in jail, shut down, lien released and I am about to file for health problems. Below is a list of more embezzlement we found! Until the accountant is done I can only go through so much. There is a lot more to convey to you.
XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late feet XXXX XX/XX/XXXX Late XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Long-form XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Longform XXXX XX/XX/XXXX Bad check reversal XXXX XX/XX/XXXX Longform XXXX XX/XX/XXXX XXXX nsf XXXX XXXX XX/XX/XXXX returned check fee XXXX XX/XX/XXXX returned check fee XXXX XX/XX/XXXX return check fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Bad check fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Principal curtailment XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Bad check reversal long XXXX I demand the insurance flood check they are keeping from us and the XXXX insurance check now. I want all these fees eliminated asap. I want the lien discarded and a written apology from them. If XXXX maintains his somewhat threatening demeanor, I will send this to the bar. He knows very well he is defending criminals. Get a moral compass!
I encountered more spreadsheets with fraudulent account numbers on them and nothing and I mean nothing matches their forged statements. Let me attach them for you. I discovered payments I made in XXXX posted in XXXX. None of the escrow payments are in the accurate year. I have requested 5 times now a copy of the fake nsf checks they have charged us thousands for. I want a copy of them and they are past their 5 day grace period. I require copies of the checks they sent to insurance companies and tax offices.
I will attach a copy of the XXXX and XXXX payments made from my escrow that I found in my saved emails. GUESSSSS what? Not one, not one, not one matches. Also, they are hiding XXXX and XXXX spreadsheets from me. I found 5 statements for XX/XX/XXXX and none of them match. Every one of them has a different amount paid. I have not even gotten the bank statements from XXXX in. I am also still waiting on the accountant. Can you imagine what will be unearthed when those come in? I also attached the XXXX escrow theft for you to see. You can clearly see they charged me twice for school taxes. I want that sent to me as well. Certified please.
Here is a copy of the illegal XXXX fee they charged me and never reported on our statements. They were just sued in Minnesota for this.
Please note : This e-mail message was sent from a notification-only address that can not accept incoming e-mail. Please do not reply to this message.
RE : XXXX XXXX XXXX Dear XXXX XXXX This email is to confirm that a payment to Ocwen Loan Servicing, LLC was authorized to be applied to the account referenced above on XX/XX/XXXX.
Details regarding the transaction appear below : Payment amount : {$730.00} plus {$10.00} convenience fee.
Payment scheduled on : XX/XX/XXXX.
Confirmation number : XXXX.
I paid it on the XXXX and it shows up on the XXXX so they can impose more late fees.
Now they are attempting to blackmail me to compensate them for XXXX second loan. It was released for the identical reason. We had no idea they were stealing from us until we obtained a letter in the mail. The feds closed XXXX down in XXXX and the lien was released in XXXX. Phh mortgage is attempting to make me pay them for it now. That's so unwarranted it's unbelievable.
I am not halting till every dime they took is returned, lien released, an apology, and a significant check for all the anguish.
When the bank statements arrive and XXXX is completed with accounting I will forward them to you.
Have a good day XXXX!
|
| 05/24/2019 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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COMPLAINT AND REQUEST FOR INVESTIGATION To : Consumer Financial Protection Bureau, I write to respectfully request that this department initiate a pattern and practice investigation into whether there are systemic violations of the Constitution of Federal Laws by Ocwen Loan Servicing, LLC.
GENERAL ALLEGATIONS 1. This complaint is related to a fraudulent foreclosure action filed by Ocwen Loan Servicing, LLC ( Ocwen )., against the real property ( our home ), located at : XXXX XXXX XXXX Way, XXXX FL XXXX ( The Property ).
2. As seen, Ocwen continues with its fraudulent assignments of mortgage and foreclosure action, in violation of the XXXX Consent Judgment between the Consumer Financial Protection Bureau, every state but Oklahoma, and Ocwen Loan Servicing, LLC.
3. Ocwens unlawful action has caused me and my family irreparable damages.
4. XXXX XXXX XXXX records evidence that certain mortgage ( the MOR ), which encumbered The Property, was signed by XXXX XXXX and delivered to XXXX XXXX XXXX, XXXX ( XXXX ). The MOR was recorded on XX/XX/XXXX, in Official Records Book XXXX at Page XXXX, of the XXXX XXXX XXXX XXXX XXXX, Florida. On around XX/XX/XXXX, XXXX filed for bankruptcy in the State of California. As of XXXX, XXXX went out of business.
5. ON XX/XX/XXXX an assignment of mortgage was filed in XXXX XXXX County, XXXX XXXX, page XXXX ; a copy of the assignment has been attached as Exhibit 1.
6. As seen, the MOR was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED ( MERS ), as Nominee for XXXX XXXX XXXX XXXX XXXX, to a certain assignee ( Assignee-1 ). The assignment was evidenced by XXXX XXXX, XXXX XXXX of MERS.
7. The XXXX-MOR was never assigned back from Assignee-1 to MERS.
8. On XX/XX/XXXX, a second assignment of mortgage ( OCWEN-ASSIGNMENT ) was filed in XXXX XXXX County XXXX, Book XXXX, page XXXX to indicate that, once again, MERS ( via OCWEN manufactured signors and witnesses ) conveyed its interests in the MOR to : XXXX XXXX XXXX XXXX, AS TRUSTEE, FOR THE XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX whose Address is c/o OCWEN Loan Servicing, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX ( ASSIGNEE-2 ). In the OCWEN-ASSIGNMENT we find : a. Assignor : MERS.
b. Signor : XXXX XXXX, a known robo-signer OCWENs employee, who claims to be Assistant Secretary of MERS, assigning the Mortgage and all beneficial interest therein using MERS as a cover for XXXX XXXX XXXX XXXX, who went out of business in XXXX.
9. Copy of this second assignment of mortgage has been attached as Exhibit 2.
10. The OCWEN-ASSIGNMENT was prepared by OCWENs employee XXXX XXXX, and not by anyone at MERS, nor at XXXX.
11. OCWEN-ASSIGNMENT is not from MERS to ASSIGNEE-2, but it is an attend to conceal the self-assignment, a VOID and NULL Assignment of Mortgage, an underlying intent to defraud, based on knowledge of the false nature of the instrument.
12. On XX/XX/XXXX OCWEN filed a foreclosure action, on behalf of XXXX XXXX XXXX XXXX, AS TRUSTEE, FOR THE XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX ( XXXX ), with its intent to foreclose The Property.
13. After a long an expensive defense of the foreclosure action, the Property was sold in an auction on XX/XX/XXXX.
14. The false assignment of mortgage and the endorsement by XXXX XXXX, acting as Assistant Secretary of MERS, is a prima facie element for Intentional Misrepresentation and Intentional Misconduct. The false OCWENs assignment of mortgage is intended to and did infect the Florida litigation.
15. OCWEN-ASSIGNMENT was OCWENs intent to induce reliance on the misrepresentation. OCWENs intentional misrepresentation was a determining factor that prevented me and my family from succeeding in our defense of the foreclosure action.
16. OCWENs conduct was willful, deliberate, and done in bad faith. OCWEN knew that its conduct will result in a foreclosure action against the me and my family.
17. As a result of the unlawful conduct, we have been harmed by engaging in the process of a foreclosure claim, in legal fees, and by losing The Property, and damages in an amount as yet undetermined. The reliance on OCWENs misrepresentation was a substantial factor causing the harm.
18. Among other things, the effects of OCWENs unlawful action and negligence have been that me and my family expended a considerable amount of money in legal fees, effort and time in defending the OCWEN-COMPLAINT, and that The Property was sold in a foreclosure sale.
XXXX XXXX IS A WELL-KNOWN ROBO-SIGNER OCWENS EMPLOYEE 19. As seen on the attached conformed copies of documents taken from the XXXX County XXXX XXXX XXXX, XXXX XXXX is a well-known robosigner, an Ocwens employee, who in some documents appears as employee of MERS and in others as employed of Ocwen, as Vice President of XXXX XXXX XXXX, etc.
a. Exhibit 3. XXXX County CFN # XXXX. This document purports to assign a Mortgage from MERS as nominee for defunct XXXX, XXXX XXXX into a closed XXXX XXXX XXXX trust. XXXX XXXX signed as witness for Ocwen Loan.
b. Exhibit 4, XXXX County CFN # XXXX. Signor : XXXX XXXX, as Contract XXXX for Ocwen Loan Servicing.
c. Exhibit 5, XXXX County CFN # XXXX. Signor : XXXX XXXX, Assistant Secretary of MERS.
d. Exhibit 6, XXXX County CFN # XXXX. Signor : XXXX XXXX, as Contract Manager for Ocwen.
e. Exhibit 7 XXXX County CFN # XXXX, Signor : XXXX XXXX, signing as Contract Manager for Ocwen.
20. Upon information and belief, after entering the consent order with the Consumer Financial Protection Bureau, and every state but Oklahoma, Ocwen waited a few years to start its fraudulent foreclosure actions.
21. And, the same way Ocwen has caused irreparable damages to me and my family, it might be doing the same thing with dozens of thousands of families, especially in the State of Florida, where judges are turning a blind eye to foreclosure frauds.
22. We need the protection of the federal government and agencies.
23. An intervention of this department is necessary in the State of Florida to protect due process rights guarantee by the 5th and 14th amendment of the US Constitution. This Department is uniquely suited to conduct such an investigation, based on its experience in dozens of pattern or practice investigations in jurisdictions across the country.
24. Our case is just an example of what is happening in Florida. But it is a flagrant that Ocwen is still an active party of foreclosure frauds in Florida, in violation of the National Settlement.
VERIFICATION.
Under penalty of perjury, I declare that I have read the foregoing and the facts alleged therein are true and correct to the best of my knowledge and belief.
CC : Ocwen Loan Servicing, LLC.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FL XXXX
|
| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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The property was purchased by me XXXX of XXXX with intent of retiring there. After the loan was sold to PHH, now XXXX, it has been a miserable experience. Im trying to work with them to make good on my loan/contractual obligations. It has been increasingly difficult to get information with my loan pertaining to prier fees/itemized transactions, schedules/amortizations, or access to my account.
Any information previously requested to better understand their way of business has been met with incompetence, confusion or just plain disregard. I have had provisions provided by H.R.6741 116th Congress ( XXXX ) COVID19 Mortgage Relief Act. This began XX/XX/XXXX and ended XX/XX/XXXX, during which time the mortgage company added many unknown fees to my account. PHHXXXX hired management companies to visually inspect the property without my knowledge. While away from my residents, the Management Company broke into my house.
Upon returning home, I discovered broken glass in the kitchen with pieces of garbage discarded throughout the inside of the house. While examining the mess left behind, it was clear the perpetrators made themselves comfortable. After noticing stains on furniture, flooring and walls just to name the obvious, it was very disheartening. A good portion of this mess they left strewed about on various surfaces or flooring, were stolen from the house to drink or eat. The backdoor of the house was clearly the entry point, fitted with a new doorknob/bolted lock and lockbox. After calling the Police to file a report, I waited outside for the officer to arrive while trying to regain my composer.
During the walkthrough with an officer, I began to notice many missing items in every room. Still trying to make sense of what had happened, my girlfriend began calling different people to see who would be responsible for such a heinous act. Eventually it was obvious by information given to me, that the bank was behind the over-all end result.
After notifying all parties involved, including the scared contractors/management companies that were too nervous to speak, I contacted XXXX my home insurance company. The insurance company was very interested in all parties involved with the criminal acts committed to my property. I made it very clear that I would not contaminate the crime scene until given further notice. Understanding that I could not stay there with how disgusting these criminals left the house. One of the two Police officers that responded suggested I leave a clearly stated message for anyone that returns. I left many full-page posters with detailed instructions to contact me with a cell number attached should anyone visit my property, for any reason. I then taped them in numerous windows and doors facing outside prior to my departure.
These posters were placed inside to prevent deterioration, in plain view without obstructions. Each explaining with bold marker to whomever, I will exercise my right to protect person or property with XXXX force if necessary. The poster-style warning signs all had my phone number with a statement above, any question call. During this time of wait and correspondence between investigators, I would return to checkup on my property. Not long after, on one of my visits, I discovered that the house had been ransacked again. Only now it looked as if it was retaliatory by the amplified amount of interior/exterior damage. Much like the first breach/break-in of my property, there was a new door lock with a lockbox attached to the backdoor.
The damage from these vandals has now become extreme, leaving my house uninhabitable. After reaching out to my insurance company to inform them of the catastrophic loss, they asked for my voice recordings as well as documents/ Police reports needed for their attorneys. I gladly agreed to give them any information collected from all parties involved with this crime. I was also required to appear ( via XXXX ) for an Examination under oath with a Law Firm on behalf of my insurance company.
Because of the convoluted enormity this has become, I was advised to retain my own attorneys. I'm continuing to collect additional information to prepare for litigation if needed. I know there is a huge increase of fraud in the US, creating new acts with protocols to combat important crimes like " Fraud for Profit and Public Corruption. I'm just dealing with a bank and potentially an insurance company. That being said, I've reached out to many attorneys with little success. Only one firm was able to take this case and informed me that nothing can be done until the insurance company denies my claim.
This is all happening while my home of seventeen years hangs in the balance. The mortgage company has not agreed to any proposals I've made for repayment or made a final determination. Any call to the mortgage company for updates on loan status continuously becomes confusing for the representatives there. In the past I have been informed by the mortgage representatives that the house was in foreclosure.
Only after raising notice to all kinds of federal violations did someone eventually get involved. Then their story would change, stating, still investigating loan qualifications. The original question did not get answered until pressured to clarify. When someone with enough rank could answer that, then the house had never been in foreclosure, and they are willing to work with me. I'm assuming because of the Covid 19 Mortgage Relief Act imposed on mortgage companies, PHH/XXXX is entitled to lock me out of my loan access online.
The scheduled call for loan modification became XXXX ; the only alternatives given were foreclosure or full payment. When the representative denied a possibility, it was followed by options that include selling my house for less than it's worth. The question was raised why the other more reasonable options for repayment had not been offered. Then I would be placed on hold for long periods, even being disconnected. When someone did answer, I was told to pay the full amount. The representative when asked for that total gave me the amount to pay off the entire loan.
My girlfriend thankfully was able to assist for further action as to resolve the matter later. The end result was something not received for an option on their part. My girlfriend checked the information sent for clerical mistakes or confirmation. Then spoke with more people at the mortgage company to confirm. Everything was correct with a confirmed receipt attached to the inbox, still no resolve. This is very concerning ; especially when they keep pushing it further out for evaluation. My girlfriend has even sent the information requested directly to a representative.
Any help on this matter is greatly appreciated.
Thank You
|
| 02/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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My name is XXXX XXXX and I am seeking the assistance of The Consumer Financial Protection Bureau in addressing the unfair and unethical financial practices, as well as possible discriminatory patterns of behavior displayed by Wells Fargo Bank and its associates. These practices have resulted in my house being sold in foreclosure after a long, expensive, and exhausting legal battle ( See CASE NO. XXXX ).
This complaint concerns my house at XXXX XXXX XXXX CT, XXXX XXXX, Florida XXXX which was financed by a mortgage from Wells Fargo Bank. On XX/XX/XXXX, Wells Fargo acquired my house in foreclosure sale, by internal purchase, for {$470000.00}. This was done without any consideration being given to any of the short sale offers that were made. This includes a final offer of {$530000.00} by a pre approved buyer. I was baffled that the bank would reject an offer that was almost {$5300.00} more than the internal purchase amount.
This behavior is but a symptom of my ongoing challenges over several years, with Wells Fargo in my desperate efforts to save my house. Every initiative has been rejected by Wells Fargo, its attorneys, loan servicers and its Trusts.
In XXXX an application was made for a modification of the terms of my original mortgage and after a two year trial period, in XXXX, Wells Fargo agreed to the mortgage modification. The documents outlining the details of the proposed fee structure, payment amount as well as due dates of payments was received from its servicer, XXXX Mortgage XXXX XXXX.
This document was duly signed by me and was notarized and returned to XXXX Mortgage XXXX and I began making payments as per the outlined schedule in XX/XX/XXXX.
After making monthly payments on this modification plan for almost a year, in XX/XX/XXXX, I was surprised when the payments were returned, and all further payments were refused.
No explanation was provided by Wells Fargo and payments previously made on the plan were kept by the bank or loan servicer. Upon investigation, it was discovered that my account was repeatedly sold to other mortgage servicers, to the point where the account could no longer be traced to a particular servicer. In addition, a request for my payment history from the servicer showed that, not only were payments made on the modification plan not applied to my loan, but it was unclear if payments made since the inception of the mortgages had been applied. I am therefore unsure if any of my payments were applied to my mortgage payment.
Since then, I have made numerous applications for an updated modification plan, since the first one was unilaterally dismissed, representing a breach of contract. These applications were rejected on the premise that modifications were not done by Wells Fargo. I was not offered back my initial modification plan either.
This situation began a protracted legal case to try to get matters resolved through the court.
In XX/XX/XXXX I was invited by Wells Fargo current loan servicer XXXX ( I moved from XXXX to XXXX and now XXXX ) to again apply for a modification.
Despite their invitation and my timely response, my application was again denied on the basis that my application was too close to the foreclosure sale date of XX/XX/XXXX.
In XXXX, XXXX, I retained the service of a bankruptcy attorney who advised filing for bankruptcy, thereby affording the mortgage company additional time to process the modification.
My bankruptcy attorney developed a schedule and I began paying towards my mortgage modification plan in XX/XX/XXXX.
My case was called up to be heard in the Magistrates court in XXXX and XX/XX/XXXX, respectively. At which, both plaintiff and respondent were expected to be in attendance. Neither Wells Fargo nor the Mortgage servicer were present when the ruling was made to accept the bankruptcy plan and no objections were proffered by any of their legal representatives at that time and the plan and payments continued to be made on the loan modification through bankruptcy.
Subsequent to that decision by the court, Wells Fargo filed an objection to the payment amount saying it was too low.
My bankruptcy lawyer, in an effort to expedite the matter, revised the payment amount upward, in keeping with the request from Wells Fargo. This revised payment was scheduled to begin in XX/XX/XXXX.
To my utter dismay and disbelief, I was informed in XX/XX/XXXX that Wells Fargo would no longer be honoring the bankruptcy plan. A second breach of contract!
Wells Fargo had, without any notification, again transferred my mortgage to an unnamed Trust that apparently did not undertake modifications of mortgages.
This action by Wells Fargo could be seen as not only unethical and underhanded but even malicious. Surely this was a breach of every ethical principle and code of conduct of financial institutions.
Wells Fargo then went on to insist that a short sale be done. While this was being done, I was again invited to apply for a modification plan with Wells Fargo in XX/XX/XXXX. Wells Fargo and its Trust were however concurrently actively petitioning the courts to pursue a foreclosure sale.
It is my opinion that Wells Fargo has acted in a most duplicitous manner and has sought to undermine every attempt to retain my home.
It is my belief that I have made every effort to regularize my accounts and honor my commitments. However, Wells Fargo and its partners have sought to block my every attempt.
Wells Fargo has released a statement saying that they are committed to supporting customers and communities through their home-lending business. Why have they not extended that commitment to me?
Wells Fargo also disclosed that a software glitch caused the bank to deny loan modifications to some struggling buyers who would have qualified, leading it to foreclose on hundreds of them.
I suspect that I too was a hapless victim of this software glitch. This needs justice.
I also believe I have been racially profiled and discriminated against by Wells Fargo.
Regrettably, I am not the only minority/black as the article below shows that Wells Fargo has rejected 50 % of XXXX XXXX XXXX It is a travesty!
XXXX XXXX XXXXXXXX # XXXX I do not know who has oversight of these financial institutions but I believe they should be brought before a regulatory body to prevent them from actions like these.
I would like to see Wells Fargo return my house to me as well as reinstate the original modification plan to which they agreed to and allow me to continue my payments.
As a XXXX for 40 years, who risked life and health to care for those in need. I would like to be treated fairly and with respect. I am asking for equity ; not handouts.
I would be grateful for your assistance and advice as I face this uphill battle.
XXXX XXXX
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I am writing to dispute the following information in my file.
The late fees on this report as of XX/XX/XXXX are inaccurate because of the following reason ( s ) : Around XX/XX/XXXX my mortgage company was bought out by another. Formerly OCWEN loan services, it is now named PHH Mortgage. During that time, I was on a modification plan that finally allowed me to get on track after my divorce which I was current on. After the merge, I found myself unemployed due to the decision to homeschool my kids and several incidents with a daycare provider resulting in multiple doctor visits due to infections. My XXXX payment cleared the bank the day before my final paycheck hit and the new mortgage company ( PHH mortgage ) immediately canceled the modification and issued a statement for the full payment due immediately. After several attempts trying to reach someone to rectify the loan got more and more behind. I tried logging into my account to make payments, but the system was down. I was told that they were still transitioning files and that I needed to reapply for a modification In the meantime, but not until they mailed me documents to do so which took almost a month. I was also behind on homeowners dues and had been since my divorce and the HOA was no longer willing to make arrangements that would work for my budget. Though the homeowners association agreed to allow me to set up a payment plan, it was with an unrealistic down payment of {$2500.00}. Since I didn't have it, the property was placed in an auction on XX/XX/XXXX. Two weeks later I received a letter and check in the mail stating someone purchased my home at auction and the check was the difference from the sale.
I took the money and moved my kids to a better school district and we became apartment renters for the first time in our lives on XX/XX/XXXX. Months went by and I received a call from the investor who purchased my property ( XXXX XXXX ). He stated that he needed to get the mortgage loan information to pick up the loan payments because there is another lien on the home. I was completely confused and asked him, " didn't you purchase the property in full? '' The letter I received from the HOA attorney said that the purchase included all outstanding liens, etc.
I did some research, had him added as a third party to take over the loan and now we are here. When he found out how much the mortgage company was asking him to pay he was no longer interested in keeping the property and apparently all that was paid at auction was the outstanding HOA debt. Not knowing my options at this point, I contacted the mortgage company and asked to get more information on a short-sale because I assumed that was my only option. They responded and gave me instructions to wait on the application in the mail and to get with a realtor for short-sale papers. I reached out to my realtor and she said she would make some calls to her investor friends to see if they are interested in the property. On XX/XX/XXXX I requested to begin the process of a short-sale on my property. On XX/XX/XXXX, I received an email that confirmed that I had requested a Mortgage Assistance application to be mailed to me. I was not given an option on the method of delivery and was told that I would need to allow sufficient time for mailing and that a realtor would have to assist me with this process. I let me broker/realtor know and we awaited the documents. On XX/XX/XXXX, I sent an email to the relationship manager stating that I never received the documents and that they needed to send them to me via email immediately to avoid the upcoming foreclosure sale date that had been set for XX/XX/XXXX. I received a response back on XX/XX/XXXX, that stated that they apologized for the inconvenience and emailed the documents to me also stating that they no longer had a sufficient amount of time to review the account for a short-sale. I immediately forwarded this to my realtor who stated she was going to call them and asked me to complete a 3rd party authorization so she could speak to them on my behalf. After gathering all the necessary sale documents, my realtor sent them to all 3 of the company 's email addresses along with the 3rd party authorization on XX/XX/XXXX. We already had a buyer in place and a current payoff amount to move forward. On XX/XX/XXXX, my realtor called to follow-up on the status of the short-sale request and was not able to speak to anyone because they stated she was not authorized. She contacted me and when I called they stated that the signature on the 3rd party authorization was not legible. Everything written was written in the same ink with the same pen. On the same day ( XX/XX/XXXX ) I emailed a 4th request to have XXXX XXXX ( realtor ) added to my account to speak on my behalf. On XX/XX/XXXX XXXX called me again frustrated because again they would not speak to her without " authorization ''. By this time drawing out the length of the loan and allowing more time and interest to accumulate. She connected us on a 3-way call where I explained to the agent that she was allowed to speak on behalf of me. The agent stated that the account read that there was missing documentation in the mortgage assistance packet, and XXXX told her that the documents being requested had either been sent in or was awaiting an updated payoff because the previous one had expired. The agent stated that she would put in a request for another payoff quote. When I got home I received a letter requesting Articles of Association, settlement disclosure statement, and the co-borrower 's signature ( what the agent had stated on the call ). I also received an email requesting the same information on XX/XX/XXXX however, we still had not received a payoff quote and the one currently in place was set to expire on XX/XX/XXXX. I emailed this information to my realtor and she contacted them on XX/XX/XXXX ( today ). To her surprise they still would not speak to her and the agent on the phone would not disclose the information discussed with the previous agent. We tried to obtain information on where the short-sale was in process to-date and he stated that we were missing the same 3 items. We requested the payoff, had XXXX added as the point-of-contact and have a pending foreclosure date set for XX/XX/XXXX. This company has not been diligent in its communication and it has cost me thousands of dollars in interest and mortgage payments as I have not lived in this property since XXXX of XXXX. I have been trying to resolve this by having the gentleman who purchased my home in an HOA auction in XXXX of XXXX take over the mortgage, but they would not allow the deed to be transferred over without 1 year of on-time payments.
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| 08/12/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX XXXX I purchased my home for {$90000.00} at an interest rate of 7 %. I was on an adjustable rate mortgage. I fell into some hardships in XXXX and requested a modification to assist with lowering the mortgage payment which had now gone up to 13 % interest rate. The representative advised me that in XXXX I agreed to a Balloon Fixed mortgage with the same maturity date of XXXX XXXX but my maturity date is actually XXXX XXXX. I was not aware of this until I read the paperwork received after my first installment, I was young and had no clue too. I went ahead and accepted the new rates with the impression that it would remain at the low payments, but it did n't it gradually went up through the years. In XXXX my fianc fell ill and we were not able to pay for the mortgage at the rate it was going to be. I submitted a request to the mortgage and they advised me that they would send out a modification packet for me to complete. I completed the packet and submitted it for review in XXXX of XXXX. They advised that I had the option of getting on what was available at the time, the Home Affordable Act, where they dropped my interest rate to the lowest possible at the time dropping my monthly mortgage. I agreed and submitted everything they requested. I sent the same paperwork a good 3-4 times before my relationship manager advised that he had finally received everything he needed/requested. On XXXX XXXX XXXX I was advised by the relationship manager that I would no longer be able to use the offered modification as the mortgage was no longer participating in the " Obama program ''. So he had me reapply for another loan modification thus, adding additional " inspection and re modification fees '' to my principle balance. On XXXX XXXX I received confirmation that the application was received and all the information needed was in the system pending " review '' by this time the home was set for foreclosure and the foreclosure had been put on " hold '' since I was attempting to re modify the loan. I continued to touch base and send all the required documents to my relationship manager and sent the trial payments. By XXXX of XXXX I was yet again being asked to resubmit another application because the application received was no longer " valid ''. I resubmitted the application as requested adding additional " inspection and re modification fees '' to my principle balance. On XXXX XXXX I was faced with another letter of foreclosure and was asked to reapply. I submitted it and the trial modification was approved but the payment for the mortgage did not go down it went up instead from {$600.00} to now {$700.00} due XXXX XXXX. The relationship manager advised that after looking at the underwriting information he realized that the income used was incorrect and not what I had shown on the pay stub. He advised me to go ahead and continue the loan modification " payment schedule '' that began on XXXX XXXX. but not to sign the agreement as it would mean I was agreeing with the incorrect income on XXXX XXXX. I paid the XXXX payment immediately after being told to do so, made the XXXX payment. For the payment in XXXX I called in and they told me not to make the payment as the mortgage no longer showed that it was on a " trial plan '' as I never submitted the signed application approval ( which I never got from my relationship manager and I followed up with several calls ). The service representative made me an appointment with my relationship manager, whom you guessed it told me I HAD to reapply, adding yet another set of thousands of " fees '' to my principle loan. On XXXX XXXX I received an " Ocwen Streamline Modification TRIAL PERIOD PLAN NOTICE '' advising me that they had approved me for a trial plan of 3 payments for {$760.00}. I called in to speak to my relationship manager to advise that this monthly payment was ridiculously higher than I had originally started with. The representative on XXXX XXXX advised me that she would submit the modification plan to the underwriting department to have them review the modification plan and see about lowering the payment as requested. Another appointment was set to speak to my relationship manager on XXXX XXXX. I received a call from a relationship manager but it was not my assigned relationship manager, this is something that happens often. As I was reviewing the information received on the modification offer with the representative I started to feel as she was strong arming me to " sign the contract and just make the payment ''. When reviewing she advised me that the reason why the principle amount on the home had increase was because of the " fees '' associated with the modification process and an increase in escrow amount due to an increase in insurance rates ( the representative before advised me that the escrow was high because they wanted to " over collect to cover the coverage needed on the home in the future '' ). She then advised me that due to " technicality issues '' when I adjusted my mortgage back in XXXX there is also additional rates accrued due to that process. I was shocked to hear that I had been added thousands of dollars to my principle balance and had signed a contract for a " balloon '' amount at the end of the term. The representative then advised me that I had spoken to my relationship manager on XXXX XXXX XXXX advising him that I would " accept the offer '' when I had never received a call from him, I consider this fraud as I never agreed to this new agreement nor did I receive a call from the company. The relationship manager advised me to submit a request to the research department so that they can investigate the calls that the relationship manager noted he had made as she feels herself that the manager is " not doing his job correctly '' and " has not been doing it thus far ''. I am now being told that I " have to sign the contract and make the payment, please ''. I am not wanting to do this as at this point it is a ridiculous amount of money that they are adding to my loan when I followed what they requested of me and never requested to have all of these " fees '' associated with the process nor was I ever notified by any representative till now. The representative advised me that I do not need to sign nor make the payment until XXXX XXXX XXXX. If I do not do either they would take it as I am " declining the offer '' and would have to be set up on a " repayment plan '' in which I would have to come up with {$8700.00} in 3 months and continue to make the monthly payments that they now have on file of {$690.00} for XXXX-XXXX XXXX and XXXX and XXXX for {$750.00}?! Help, I need to get this mortgage fixed and I need it ASAP.
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| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have explained to that Ocwen Financial Corporation has violated my rights and the issues in the disputes I have sent them have not fixed or resolved the issues. I have sent a CFPB complaint on XX/XX/2023, I also sent a Notice of Dispute, Affidavit of Truth, as well as a Cease and Desist ( see in attachments I also have all green return receipts back from them confirming they received my documents ). XXXX XXXX and Ocwen Financial Corporation have continued to send me bills about this alleged debt which is also a violation but also have failed in every way to provide me any documentation about this matter. Everything has been very unclear and very deceptive, this company continues to run a risk on my life and consumer report. I will attach all of the documentation to show I have tried to resolve this issue, but nothing is being done. Ocwen has not provided a single documentation regarding my request in my disputes. Further more, I have now sent my XXXX notice of dispute, Cease & Desist, & an AOT on XX/XX/2023 ( I also have all green return receipts back from them confirming they received my documents ). They have not fixed this alleged debt arising on my consumer report or return a If company does not comply they will be in big legal trouble. After reasonable inquiry I have concluded that Ocwen Financial Corporation is in breach of the alleged agreement. The following facts support my position in this matter : XXXX. Ocwen Financial Corporation failed to disclose to the alleged consumer Ocwen Financial Corporation ( hereinafter consumer ) that Ocwen Financial Corporation used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby Ocwen Financial Corporation did not perform under the agreement and risked nothing of value.
XXXX. Ocwen Financial Corporation has not used any of their own capital, funds, money or money equivalents to pay for any charges on the alleged account.
XXXX. Ocwen Financial Corporation received something-for-nothing by using the consumers note ( s ) to fund charges to the Mortgage account while retaining payments from the consumer.
XXXX. So, a breach occurred due to the fact that Ocwen Financial Corporation failed to disclose the above information in their Mortgage Agreement prior to soliciting applicant to become bound by it.
XXXX. Due to the breach, and lack of disclosure, Ocwen Financial Corporation has, directly or indirectly, used false, deceptive, or misleading representations or means, in violation of Regulation Z the Truth in Lending Act and Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud.
XXXX. Due to the securitization of the initial outstanding balances of the alleged account, Ocwen Financial Corporation is not a holder in due course, and therefore can not have incurred a loss or make a valid claim.
XXXX. When accounts are 90 days or more overdue, Ocwen Financial Corporation receives a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower.
I want to receive absolute assurance from Ocwen Financial Corporation that they did not breach the agreement. In order to settle this matter, please sign or have an authorized officer sign the enclosed affidavit, confirming that you have read the agreement, that you understand GAAP, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures.
In addition please furnish me with the following information : XXXX. A complete statement of Damages, including each and every loss that Ocwen Financial Corporation incurred under the alleged agreement.
XXXX. A copy of any insurance claim having been made by Ocwen Financial Corporation regarding this account.
XXXX. A front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account.
XXXX. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website.
XXXX. The name, address and telephone number of Ocwen Financial Corporations CPA auditor.
XXXX. Verification if this debt has been assigned or sold to a debt collector.
XXXX. If this debt has been assigned to a debt collector, please provide the commission amount if collection efforts are successful.
XXXX. If this debt has been sold to a debt collector, please provide the price for which it was sold.
If you can not verify and validate this debt by the above listed means, then what right do you have, under the Fair Debt Collection Practices Act 15 USC 1692, to even send me a letter or an account statement? Are you committing mail fraud, bank fraud, aggravated identity theft, conspiracy, conspiracy against rights and deprivation of rights under color of law?
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
You are required by federal law to furnish the credit bureaus with the required disclosure by placing a notice of dispute on my account within ( 30 ) days after receiving this dispute letter. I am maintaining a careful record of dates as well as time-stamped copies of my credit reports, which will show that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) [ 15 USC 1681s-2 ] if you do not place the disclosure within the required ( 30 ) day period.
THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR THE ATTACHED AFFIDAVIT AND PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Notice to the Principal is Notice to the Agent, and Notice to the Agent is Notice to the Principal.
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| 01/20/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Our Mortgage servicer was transferred from Ocwen to PHH early XX/XX/XXXX. We fell behind on payments because we had a sewer back up twice and a burst pipe. Neither were covered by insurance and those problems had to be fixed. We were 85 days behind on on our payments when we were finally able to start making payments again. We made an electronic payment through our bank in late XXXX. PHH returned the payment via check 3 weeks later and a notice stating they required {$2300.00} to cure the default. We borrowed money from our parents and sent them a check for the requested amount, along with a copy of the notice stating the amount they required and why. This was sent to them on XXXX. On XXXX we received many mail parcels from realtors and attorneys wanting to buy our home before the foreclosure auction set for XXXX. I called PHH to find out what was going on. Our relationship manager wasn't available so I left him a voice mail and called back to speak with the next available relationship manager. I was advised that they had received our check and that it was in process and would post to our account. On XXXX, a foreclosure notice from XXXX XXXX ( representing PHH ) was taped to our mailbox letting us know our home was sent to his office to handle the foreclosure sale. That same day we received a letter from PHH via regular mail that our mortgage was referred for foreclosure. I called PHH again on XXXX and left a message for our relationship manager, XXXX XXXX. On XXXX, I filled out a request for mortgage assistance on the PHH portal for borrowers. I kept checking the website for the review of my request to be approved by our relationship manager so we could fill out and submit an assistance package. Our relationship manager never returned my call or email. Nor did he respond to our request for assistance via the PHH portal. On XXXX, PHH returned the {$2300.00} check we had sent them and stated their reason for returning the check was due to it being insufficient to cure the default. A copy of their own letter stating the amount needed to cure the default was included with the check when we sent it to them. The check was the exact amount they had requested but they sent it back a month later and referred our mortgage for foreclosure anyways. We started to get many harassing calls from realtors. So many calls that our voice mail filled up in less than 24 hours. Since my messages went unanswered and when I called PHH, no other relationship manager knew what was going on. Also on XXXX, I sent an email to PHH customer service, the modification department and my relationship manager asking for help with the assistance application we had found online. We got no response so I sent it again on XXXX and XXXX. I then called them and was advised that our assistance package was received. On XXXX, the online PHH assistance portal showed that our package was received and in review. We were granted a trial repayment plan and were to make our first payment XXXX. I mailed them a check. Due to pages in our checkbook being stuck together, I couldn't find what i thought was our missing check so I cancelled the check. Again, because the checks in my checkbook were stuck together, I hadn't realized I cancelled the check I had written to PHH for our first payment. I called PHH on XXXX and told them about the check I had cancelled. I was told I could make an electronic payment that would post right away. I made the payment through my bank and it was to post no later than XXXX. On XXXX, I received notice from our bank that PHH tried to cash the cancelled check for the second time. I called PHH back to make sure our payment posted and I was told that it did. On XXXX we received a call from PHH but no message was left. I called PHH back and our relationship manager was not available so I spoke with the next available. She said her name was XXXX and had very XX/XX/XXXX English and she didn't seem to understand it very well either. She kept saying all payments were returned, including the electronic payment, on XXXX. I told her that the electronic payment was not returned and she said that PHH had reversed it back to my bank on XXXX and to contact my bank if it wasn't showing on my bank account. I called my bank and they advised that the payment was not returned by PHH. I called PHH back and was advised that they show the payment posted to our PHH account on XXXX. I told them it shouldn't have because the check payment was cancelled and the electronic bank payment wasn't made until XXXX. I was told to have my bank fax proof of payment so make sure our payment got posted correctly. I had my bank fax proof of payment with an auth number, trace ID and verification of submission. I called PHH back to make sure they received the fax from the bank and I was told they did. I had to take XXXX hours off of work to have this done. On XXXX we received a letter stating that our XX/XX/XXXX payment hasn't been received and that our check was returned. I called PHH back and spoke with another relationship manager, XXXX. He told me that our payment had posted and our next payment due was XXXX and asked if I wanted to set up that payment. I told him I did so he tried to set it up and he kept getting an error. He told me to call back after XXXX or to mail our payment in. I mailed the payment in on XXXX. PHH has not cashed that check and on XXXX, we received a letter from them, with a copy of our XX/XX/XXXX payment ( dated XXXX ), stating that the check was being returned because it was not enough to cure our default. We have also started receiving calls from realtors again and PHH 's rep, XXXX XXXX has scheduled our home for foreclosure auction on XXXX. PHH is not allowing any online access to our account, they are not returning phone calls or emails. We started sending emails so we had proof of our attempts at trying to get answers and resolution to our account. PHH has referred our home for foreclosure 3 times when they shouldn't have. proper notice was not given by them, they will not send any statements or allow online account access and they will not speak with us or return calls and emails. PHH also had the wrong phone number listed on our account when it was transferred from Ocwen to PHH. They claimed to not be able to reach us via phone but the first time they referred our account to foreclosure, their rep XXXX XXXX, made public our correct private cell number on the foreclosure listing without our permission. How did XXXX XXXX get the correct phone number if PHH didn't have it? It's not a public number and the cell phone account isn't even in my name or linked to this address.
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| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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in XXXX I went through a divorce after XXXX years of marriage. I am now a single mom of XXXX children, XXXX in college and XXXX in high school. Along with the divorce we filed bankruptcy due to the retirement of my ex-husband due to his diagnosis of a severe XXXX XXXX and I lost my job after the business where I was the XXXX closed there Oklahoma office, both of my parents were critically ill and the death of my father all within a year. These combinations caused a serious financial hardship. After I reaffirmed the loan and over the next 5 years I entered into another relationship and the loan payments where caught up and paid on time for 5 years. Approximately 1.5 years ago this relationship ended and I changed jobs so I could be home with my children. Subsequently I got behind on my mortgage payment by one month. Several months later I got behind another payment because of some issues with my son becoming sick and my mother died. At this point I was behind by two payments and called the mortgage company and ask if I could make some arrangements to make up the payments by increasing my payments over a few months. The arrangements were set up with the OCWEN representative and I agreed to the terms. A week or so later I received a letter that said the arrangements were not approved by " management '' and I would have to apply for a loan modification. I finally decided in XXXX XXXX that I needed to apply for the loan modification and gathered all the documents that OCWEN required for the loan modification. I received a letter back asking for some very surprising documents and asking for the signature of my ex-husband, even though I had sent in my divorce decree and the quit claim deed on the house and a new loan was issued 5 years previously with only my income and in my name only. I called OCWEN and they were less than accommodating, I spoke with someone that could not answer my questions and could barely speak English. I ask to talk to my relationship manager and was told I would have to make an appointment for her to call me and the soonest she would be available was appropriately 4 weeks away. I was extremely disappointed and ask if I could make an appointment with someone else and that was 2-3 weeks. So this person called and I got another person that could not speak English and could not answer my questions. I explained that the documents they requested had already been sent in but they said that was n't good enough and they wanted more. So I sent those documents. I never heard a word from them so I called again. This person told me I needed more documents and I tried to explain that they already had those documents and ask if I could talk to my relationship manager ( XXXX XXXX XXXX ) Another 3 weeks!!! She finally called me 3 weeks later and she was less helpful than the other people I had spoken too! She told me they now needed new documents of my pay stubs and they wanted my bank statements to prove that I was putting my money I was getting for child support and my pension in my bank account. ( Not sure what they thought I was doing with it ). I explained I did not understand considering I had clear documentation that I was receiving this money and they already had it, when I tried to ask questions the phone line went dead, I waited about 15 minutes for her to call back and nothing so I tried to call back and I could not get through on her phone line ( it appeared blocked ). So I sent those documents in and ask them to confirm they got them. I received an email after a few weeks that I had not sent them through my email address so they would n't except them even though all the documents were addressed to me. ( I had used my finances email address ). I waited again and heard nothing for weeks. I started receiving letters from every bankruptcy attorney in the city and people wanting to buy my house I realized they had filed foreclosure on my house. So I called OCWEN again to see why they had filed a foreclosure on the house when I was waiting for a reply on my loan modification and they had all the documents they had requested. I was then put on hold for about 10-15 minutes. She finally came back, this time I was told that they had not received any documents since XXXX XXXX and I had missed another payment so they had every right to foreclose on the house. I told her that I had the emails that showed I had sent all the documents and they had sent me confirmation back that they had gotten them. She coldly told me that I would just have to start completely over on the loan modification and that I had not done what I was suppose to do so they had every right to foreclose on my house, no sympathy and no offer of help. I was obviously upset and explained they had not sent any communication to me, they had n't called me! I was waiting on them to send me either a denial or the paperwork for the loan modification. I was told they could not call me without an appointment because I had filed bankruptcy, I had been told this multiple times when I had called them. I ask how they could possibly accomplish this without talking to me??? I tried to explain that I had done everything they had ask me to do and I said two curse words in my sentences, my words being " you have to be XXXX XXXX kidding me ''. ( not directed at her ). I was trying to explain that I had sent them everything they had ask for and they needed to look into it and she hung up on me telling me that she did n't have to listen to that language. I immediately sent an email directed to my relationship manager with all the documents attached that I had sent in XXXX, XXXX and XXXX. This was in addition to the very complete package I had sent to them by XXXX XXXX in XXXX with the initial application for my loan modification. I also had followeofd up by phone on many, many occasions and made multiple appointments for relationship managers to call me. After every attempt to resolve this I always finished my communication with the same impression, they are trying to drag this out because they know they will make money on my house and they are not trying to complete this loan modification. After sending these emails again I still have not heard a word!!! Please help in anyway possible! I have never felt so helpless in all my life. If only they could understand the distress that this is putting on so many families that did n't choose to deal with this horrible company. When I read the information I found on this site I realized I was n't alone and I wanted to share this ever so distressing story about OCWEN Loan Servicing. Please help stop them from hurting more families!
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| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I entered a trial payment plan with PHH Mortgage ( Phone XXXX - LOAN # XXXX ) in the amount of $ XXXX for three months with payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made the three payments timely. In the process I found out about the Louisiana Homeowner Assistance Fund ( XXXX XXXX XXXX ) which assists people who suffered losses due to COVID-19 and are in arrears on their mortgage by paying their mortgage current up to {$25000.00}. I submitted my application. The state of Louisiana submitted a request for information on my mortgage to PHH Mortgage on XX/XX/XXXX which PHH confirmed with me several times that they received on XX/XX/XXXX. I initially had an appointment scheduled with my PHH Mortgage Relationship Manager on XX/XX/XXXX @ XXXX to discuss the status of my loan. He never called so I called PHH within the hour to advise them that my Relationship Manager never contacted me. I spoke with an agent who scheduled a replacement appointment for XX/XX/XXXX at XXXX XXXX for me to speak with my Relationship Manager. He gave no explanation for why I wasn't called by my Relationship Manager. Also, during this conversation the agent advised me that a loan modification letter had been mailed to me on XX/XX/XXXX and needed to be signed and returned to PHH by XX/XX/XXXX. Since I had not received the document by mail the agent emailed me a copy. The offer indicates the following : 1. my current balance is {$97000.00}.
2. my current and continued yearly interest rate will be 3.4375 % XXXX my deferred payment amount ( the amount that I am past due ) is {$4000.00} ( virtually XXXX payments ) 4. my monthly payments under the modification will be {$970.00} 5. my initial escrow amount is $ XXXX 6. my maturity date will be XX/XX/XXXX ( equaling 14 years. I have held a mortgage on this account for 16 years already ).
7. I will owe a balloon payment of {$81000.00} at my maturity date in 14 years.
After hanging up with the agent, I logged into my account and saw the option to refinance my loan. I requested assistance via the website, then called PHH aka XXXX aka Ocwen to inquire about refinancing my loan and rolling up the cost to refinance into the loan. I was told by an agent that since I had slow pays and was deliquent that was not possible. I explained that I had received a loan modification offer but did not like the terms. The agent explained to me that what I was reading was not correct. That actually, at maturity in XXXX, I would not owe a balloon payment and that the agents " don't do a great job of explaining it properly. '' She went on to say that if I sold the house I would not have a balloon payment even though the modification agreement states so. She said it is " all the same balance '' - " the {$97000.00} and it just seems confusing, but there won't be a balloon payment. '' Over the next 2 days I recieved a series of calls and emails from different people calling about my refinance request. Each said that I would not qualify due to the slow payments.
Today ( XXXX ) as scheduled, I spoke with my NEW PHH Mortgage Relationship Manager, XXXX XXXX. XXXX confirmed ( like other agents in the past ) that PHH had received a request for information about my loan from the state of Louisiana 's mortgage assistance program on XXXX. He assured me that he was " certain '' that PHH would respond to the state by the end of the week even though they had not for the last 3 weeks. I advised him that I did not like the terms of the mortgage loan modification. He advised me not to do anything ( do not sign or return it ) about the modifcation yet and to call back next week to follow up on the loan and position with the state program. I advised him that I was concerned because I would need to respond to the loan modification offer in 4 days. He said not to worry because he could request an extension on the offer if need be. Within a couple of hours I received a call from my case manager with the state program. She advised me that PHH sent a letter to them stating that I was under a loan modification and thus the state denied my application. She asked that I contact PHH to request proof that I am NOT under a loan modification. I called PHH and spoke to XXXX ID # XXXX who said that the state of LA denied my application and I told him that he was correct, but only because PHH sent them information that was not correct. I advised him that I have not accepted the loan modification nor sent any signed agreement back yet. XXXX then placed me on a series of holds and said that the state would need to resend their request. I advised him that the state will not resend their request and that he needed to provide me a letter confirming that I was not under loan modification. Here is where it gets tricky. He says that I must now decline the modification offer for them to provide me confirmation. While he places me on hold, I call my caseworker with the state of XXXX and when he returned to the line he repeated that the state must resend their request to PHH again. I then advised him that the caseworker was on the line with us -- he was speechless for what seemed like a year. He placed us on hold and came back and said that I needed to decline the loan modification before PHH would send an update to the state of Louisiana on my account. I advised XXXX that his guidance was completely opposite of what my PHH Relationship Manager had said in our call earlier in the day. He stated that that was my only option and that he was noting my decline to the loan modification on my account. I requested another appointment with my relationship manager. He said the next available one is 7 days away and scheduled it. My caseworker asked how long would it take for an update on the denial of the modification and he said 3-5 business days ( which would put me well beyond the return date of the modification and close to my next payment due date ). XXXX advised me to call back next week to follow up. My caseworker and I disconnected him from the line and she suggested that I call back each day after today to follow-up on the status of my account.
PHH knows that they could instead tag the 4 payments that I am behind to the end of my loan, but instead they would rather I pay $ XXXX for 14 years ( even though I have already paid for 16 years on this loan with them ) and still owe $ XXXX in a balloon payment to them although my balance is only $ XXXX. I am now noticing that this same practice is one that PHH used when they offered me a loan modification while I was rebuilding my home after the XXXX Floods. This is robbery and preditory lending at its finest.
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| 12/15/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I want to put in a complaint with XXXX XXXX XXXX XXXXXXXX ITS CAPACITY AS TRUSTEE PHH MORTGAGE is not the lender. PHH MORTGAGE is the company that manages the loan. PHH MORTGAGE never contacted XXXX XXXX XXXX to the best of my knowledge till XXXX.
I recorded a bargain and sale deed on XX/XX/XXXX of XXXX. I also had some research done on the property.
Exhibit 1 : bargain sale deed and research on the property I contacted PHH MORTGAGE in XX/XX/XXXX after my father passed away. I informed them at that time I would need a letter stating that I was not on the loan and I was not responsible for the loan. PHH MORTGAGE never did one XXXX thing. I have over 23 hours of talking with PHH MORTGAGE to get the letter done and they kept saying they're getting it they're getting it. After my dad 's state closed, I'm not sure how many times I called but I could pull up the phone records and tell you.
Exhibit 2 : hours on phone My mother hired me an attorney to see if PHH MORTGAGE would respond to them but there was no response Exhibit 3 : letter from lawyer I hired an attorney in California because that's where my dad died and that is where the probate was. I spent over {$60000.00}. I should never have spent a penny because if PHH MORTGAGE would have done their job we wouldn't be here I never heard from the PHH MORTGAGE until XXXX when they sent me a notice of intent to foreclose. I called PHH MORTGAGE and they informed me that they never got a change of address or phone number which was a total lie because I enclosed all my information when I sent the death certificate. PHH MORTGAGE said they had the death certificate.
Exhibit 4 : notice of intent to foreclosure I didn't understand what the heck was going on because I had it being directly paid out of my checking account. The reason the mortgage got upside down was because PHH MORTGAGE never informed me that the interest rate had changed. PHH MORTGAGE started charging me interest for late fees and everything else they returned my money for the XXXX payment. I fought with them to get the late fees off and they said that they would, and I said I would pay the payment but they never did anything about it and I never made a payment since. I called them repeatedly about it and you can see that on Exhibit 2.
XXXX through XXXX of XXXX the payments were taken out of my father 's account. In XXXX of XXXX the executor of the estate said that my father was not responsible for the loan because I was also on the loan. That is a false statement because I am not on the loan and I'm not responsible for the loan Exhibit 5 : Money that I paid personally on the loan In XXXX of XXXX I put it in a mortgage assistance application. That was really a mess of bad communication between me and PHH MORTGAGE. I want to do a short sale and I offered XXXX and they did not accept it. I asked PHH MORTGAGE what they would take. PHH MORTGAGE would be XXXX but I couldn't do it because the loan was in modification, and I would have to wait till they got out of modification. We went to court I believe three times I can't remember and the last time we were going to go to court and get it all handled PHH MORTGAGE didn't show up, so the case was dismissed and dropped. We were back to square one.
Exhibit 6 : Mortgage assistance I have talked to so many people at PHH MORTGAGE. I have had at least three different case managers. I forgot my first case manager 's name but the second one was XXXX XXXX. She is a very kind lady and she tried hard to get things done but she couldn't get anything done. The next one that's current now is XXXX XXXX XXXX he is very disrespectful and doesn't even know his job.
Exhibit 7 : Reassignment caseworker They did investigation XX/XX/XXXX and they said that I was wrong if they were right Exhibit 8 : response letter PHH MORTGAGE is like working with a bunch of first graders. They don't have a clue of what's going on. I finally said I can't deal with them anymore. I authorized XXXX XXXX to do the documents and communicate with PHH MORTGAGE. I want to prove how bad PHH MORTGAGE is and now there's a third party.
Exhibit 9 : authorization of XXXX On XX/XX/XXXX of XXXX PHH MORTGAGE sent out another Borrower assistance package. I filled out all the paperwork for them and they keep calling me saying their missing stuff but this time I went through XXXX so it would be my word against PHH MORTGAGE like the first time I learned my lesson. XXXX has been so kind to me it's unbelievable. Now I believe the State of Oregon the District Attorneys office is on my side as well. It's nice to finally get help. PHH MORTGAGE and their attorneys as well have lied to me over and over over again plus they have lied to Consumer Finance.
Exhibit 10 : Company responding to consumer finance Exhibit 11 : Letter stating I'm missing documents for the mortgage assistance which I have proof that I sent them to PHH MORTGAGE.
Exhibit 12 : borrower assistance I don't recall the date I put in a request for a short payoff with PHH MORTGAGE. I believe it was like six months ago and in XXXX I received a phone call from PHH MORTGAGE to send the XXXX and they give me the wire instructions. I told them it would be a couple days for me to get the money together. I got the money together and wired it XX/XX/XXXX. On XX/XX/XXXX, I received the letter that they're not accepting that short pay off now. I believe they are not accepting it because the house is gone up so much since XXXX. In XXXX it couldnt even sell for XXXX. I had it up for sale because I was going to move to California to take care of my Father, but he passed so I took it off the market the next day. I received a letter on XX/XX/XXXX of XXXX saying PHH MORTGAGE is not refunding my money. That is 100 % against the law.
Exhibit 13 : information on short payoff and a letter about the XXXX I sent them.
I applied for a loan, and it appears that loan was taken out with me and my dad in XXXX. I don't know what PHH MORTGAGE has done now but they are hurting my credit.
I reached out to the Oregon Legislature and got a nice Response.
I requested documentation from my case manager at PHH MORTGAGE XXXX XX/XX/XXXX and I haven't heard one thing I am really reaching out to everybody I can. PHH MORTGAGE is 100 per cent in the wrong. I just need some people to help me Exhibit 14 : proof of the things I said above UPLOADED complaint PHH EX I COMPLAINT PHH 2 complaint PHH 3 complaint PHH 4 complaint PHH 5 complaint PHH 6A complaint PHH 6B complaint PHH7 complaint PHH8 complaint PHH 9 complaint PHH 10 complaint PHH 11 IN THAT ORDER
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| 01/05/2024 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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My wife and I purchased our home with approximately 25 % down in XXXX of XXXX and took out a loan through a different company ( not PHH ). We were told it was common for first time homebuyers to use an escrow account to manage the payment of the insurance and property taxes, so we agreed to the escrow account. In XXXX of XXXX, we were informed that our mortgage was being transferred to PHH. PHH sent us a welcome video and package and we were told that the escrow account would still be used for our insurance and property taxes. We have experienced mismanagement of the escrow account for the past year. PHH has : 1 ) Incorrectly calculated the taxes we needed to pay, causing us to pay from our own pocket and leading to several unnecessary escrow advances.
2 ) Not paid our taxes in full or in a timely manner, causing us to pay from our own pocket and potentially leading to a late penalty of {$16.00}.
3 ) Lost one of our tax payments, causing us to be out {$800.00}.
4 ) Not paid our insurance bill on time, causing us to be without homeowners insurance for a week and a half.
5 ) Neglected to communicate adequately with us, our insurance company, or XXXX XXXX finance office.
Our insurance was due to XXXX on XX/XX/XXXX. XXXX XXXX allows payment of property taxes twice a year, once by XX/XX/XXXX and once by XX/XX/XXXX.
We received our property tax bill on XX/XX/XXXX and saw that we owed {$2300.00} by XX/XX/XXXX and {$2300.00} by XX/XX/XXXX. As the XXXX deadline approached, we checked the PHH portal and found that they had scheduled a payment of {$800.00} from escrow on XX/XX/XXXX. That was not enough to pay the full amount of our tax bill. We called PHH on XX/XX/XXXX to determine why they had not paid the correct amount for our taxes. They suggested that they had the wrong property ID and suggested that we send the tax bill to them through email. When we asked if they would pay the correct balance on time, they said it would take XXXX to XXXX business days to pay the correct amount, which would have been past the due date. We paid the remainder of the tax bill, {$1500.00} out of our own pockets to cover the remaining balance of the bill on XX/XX/XXXX. We thought our taxes for XXXX had been paid, but XXXX XXXX finance office said they did not receive the {$800.00} payment made by PHH from our escrow account. On XX/XX/XXXX, PHH made another {$800.00} payment from escrow. This was received by XXXX XXXX finance office on XX/XX/XXXX along with a payment of {$16.00} that appears to have come from our mortgage payment and not our escrow account. The {$16.00} payment is labeled as a late fee/penalty and is listed as paid on XX/XX/XXXX, one day after it was received by XXXX XXXX finance office. No other information was ever provided about this late fee/penalty. On XX/XX/XXXX, PHH disbursed {$2100.00} from the escrow account back to us before paying the remaining tax bill, causing our escrow account to go into the red and requiring an escrow advance once the tax bill was paid. On XX/XX/XXXX, PHH scheduled another payment of {$2300.00} to pay the remainder of the tax bill due on XX/XX/XXXX. This caused our escrow account to go negative and required an escrow advance. At this point, our escrow account was at {$0.00} and the insurance had still not been paid. The miscalculation of our tax bill combined with us paying {$1500.00} out of our own pockets on XX/XX/XXXX, has resulted in an overpayment of our taxes by {$8.00}. The missing {$800.00} payment made on XX/XX/XXXX, is in the process of being repaid. PHH told me on XX/XX/XXXX, that it was missing due to having the incorrect property ID.
I called PHH on XX/XX/XXXX and XX/XX/XXXX and spoke with XXXX ( employee number XXXX ) about the miscalculation and untimely payment of our taxes and requested to have the escrow account closed. He told me that they use a third-party company to try to calculate our property taxes and that the other company must have made a mistake on how much we owed. He also told me that they did not have the correct property ID again, despite us sending the property tax bill in XXXX, which contains the property ID. XXXX also told me I would have to wait until XXXX to submit a request to close the escrow account and it would take XXXX to XXXX business days to process the request. I asked XXXX if there would be trouble paying the insurance bill at the end of XXXX from our escrow account since it was now empty due to the disbursement and incorrect tax payment calculation. XXXX assured me that the insurance bill would be paid, it would just require another escrow advance. I noticed that there was a scheduled payment of approximately {$1000.00} for our insurance bill pending on the portal, so I assumed that the insurance would be paid. We later noticed on XX/XX/XXXX that the scheduled payment had disappeared from the portal. On XX/XX/XXXX, we noticed that our insurance had not been paid from our escrow account.
I called PHH on XX/XX/XXXX and talked to XXXX ( XXXX XXXX XXXX ) who connected me with XXXX ( I missed her employee number ) in the insurance department. I was told by XXXX that they had been unable to contact XXXX insurance since XX/XX/XXXX, so XXXX insurance did not know the mortgage had been transferred to PHH. The bill I received from XXXX insurance supported this, as it was made out to XXXX XXXX XXXX. I asked whose responsibility it was to alert XXXX insurance that PHH would be paying from the escrow account and XXXX told me it was PHHs responsibility. I later spoke with XXXX XXXX and XXXX from XXXX on XX/XX/XXXX, who were able to overnight the full amount of the bill to XXXX by XX/XX/XXXX, with an expected date of processing the check and resuming coverage on XX/XX/XXXX or XXXX, XXXX. I have tracked the overnight check, and it was received by XXXX at XXXX XXXX on Friday, XX/XX/XXXX. XXXX stated that they regularly have difficulty contacting XXXX insurance and that they had tried to contact them in XXXX and again in XXXX and XXXX. She said that it was my responsibility to inform XXXX insurance of the change in my mortgage provider and escrow account and that they had tried to contact me about it on XX/XX/XXXX, by phone and mail. I never received a phone call from PHH on XX/XX/XXXX, and I was traveling during the holidays and unable to receive mail. I will also note again that the due date for renewing insurance coverage was XX/XX/XXXX. Rather than contacting me about the inability to reach my insurance company at any time since XXXX, PHH waited until two days before the due date for the bill.
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| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX RE : Ocwen Loan Servicing, LLC Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Ocwen Loan Servicing, LLC ( Ocwen ), has systematically failed to comply with Consumer Financial Protection Bureau Regulation X, 12 C.F.R. Part 1024, and has therefore failed to help our homeowner client, XXXX XXXX XXXX, avoid an unnecessary foreclosure of her home through a seriously flawed Short Sale process. As a result, our clients home remains scheduled for an unnecessary Sheriffs Sale on XX/XX/XXXX, while XXXX XXXX XXXX and her prospective buyer were prevented from closing on an approved short sale of XXXX XXXX XXXX home that could have occurred prior to the scheduled sale date.
Our client, XXXX XXXX XXXX, applied for approval of a short sale of her home on XX/XX/XXXX. Upon receipt of the application, Ocwen arranged with XXXX XXXX XXXX to have an appraisal of her home performed. In the letter dated XX/XX/XXXX,, XXXX XXXX XXXX received a conditional approval for the Short Sale after Ocwens appraiser, XXXX XXXX, conducted an evaluation of the property determined its market value to be {$640000.00} ( copy of conditional approval enclosed ). XXXX XXXX XXXX engaged a realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX, Pennsylvania, to list the property for sale. On XX/XX/XXXX, we contacted Ocwen and spoke to XXXX, agent ID No. XXXX, who advised us that Ocwens policy required the property to be listed at 120 % of the appraised value {$870000.00}. Despite XXXX XXXX concern that such a listing price would discourage prospective buyers from considering the property, XXXX XXXX listed the property for sale at {$870000.00} as required by Ocwen.
The only solid offer received was one from XXXX and XXXX XXXX on XX/XX/XXXX, in the amount of {$550000.00}. We immediately submitted the offer to Ocwen for approval. Ocwen waited until five months after it received that initial Short Sale offer to reject it. Before deciding whether to accept the offer, Ocwen insisted on re-appraising our clients home. Ultimately, the reason for the rejection was that the offer was substantially lower than Ocwens XX/XX/XXXX, updated appraisal value of {$750000.00}.
By XX/XX/XXXX, the Ocwen Ombudsmans Office had become involved in the application process because we directed our concerns to the escalation department. A discussion with the Ombudsmans office clarified that Ocwen would reject any offers thats substantially lower than its XX/XX/XXXX, updated appraisal value of {$750000.00}. Although Ocwen refused to provide a firm sale price that it would accept, Ocwen encouraged us to request the buyer to increase the offer to a figure closer to Ocwens updated appraisal value. The buyer declined to increase his offer to a number closer to the new appraised value due to the amount of improvements and upgrades needed on the home.. Ocwens Ombudmans Office sent an email to our office on XX/XX/XXXX, indicating that the buyers offer of {$500000.00} ( Ocwen understated the amount of the offer by {$50000.00} ) would likely be rejected, citing the reason for the rejection that the offer was too low. Having received that decision, XXXX XXXX XXXX notified XXXX XXXX, who in turn notified the buyer and arranged for a return of his deposit and release from the purchase and sale agreement. XXXX XXXX XXXX again placed her home on the market.
Well after the buyer was released and his deposit had been returned, Ocwen sent the XXXX XXXX XXXX a Discounted Payoff Offer that approved the buyers offer, providing Ocwen would net {$490000.00} ( copy of XX/XX/XXXX enclosed ). A preliminary closing analysis indicated that the {$550000.00} offer would have netted Ocwen at least {$490000.00}. Having lost the original buyer who had waited for more than half a year for Ocwen approval and who had only given up when his {$550000.00} offer was rejected, XXXX XXXX XXXX and her new real estate broker sought out another offer that would meet the terms of Ocwens XX/XX/XXXX offer. On XX/XX/XXXX, XXXX XXXX XXXX received a cash offer for the property from a new buyer and substituted the new agreement of sale with a sale price of {$550000.00}, equivalent to the first offer but which would have netted Ocwen $ XXXX more than the first deal due to the elimination of a realtor commission. Our office forwarded closing documents to Ocwens foreclosure counsel on XX/XX/XXXX, the expiration date of the Discounted Pay Off Offer and forty-one days prior to the scheduled sheriff sale date requesting a two week extension to finalize negotiations with a second lien holder of a substantial debt that was disclosed to us by the title agency.
Foreclosure counsel suggested we also contact Ocwens Ombudsman Office to request the short extension. Therefore, the proposed closing package was submitted to XXXX XXXX, Account Analyst, Consumer Ombudsman for Ocwen thirty-six days prior to the scheduled sheriff sale date. A follow up call was made to XXXX XXXX by Attorney XXXX XXXX on XX/XX/XXXX, during which XXXX XXXX indicated that our clients documents were up to date and no new short sale application was required. One day later we received a Notice of NON-APPROVAL FOR SHORT SALE from Ocwen Loan Servicing department. The notice informed us that he discount payoff agreement expired and invited our client to submit a new sort sale package and a new offer for review. On XX/XX/XXXX, we received another Notice of Non-Approval For Short Sale, this time stating upon review of the information submitted it was too close to the confirmed foreclosure sale. Ocwen is in violation of CFPB regulations which do not prevent the lender from evaluating a borrower for mortgage assistance because the foreclosure sale date is less than 30 days way.
The homeowner has made multiple attempts to receive an affordable modification to no avail. Since, XX/XX/XXXX, our frustrated homeowner has tried to end this cycle by pursuing a short sale with Ocwen. We have invested significant time and resources to cleared each hurdle placed in our path large due to the fact that Ocwens staff does possess the competence, expertise or business knowledge to complete a short sale transaction.
Ocwens short sale process is riddled with dysfunction and should be federally and locally investigated.
The homeowner has reasonably relied on Ocwen to have staff that are trained and equipped with the knowledge to execute a short sale transaction as an alternative to foreclosure. Ocwen should postpone the impending foreclosure sale scheduled for XX/XX/XXXX and permit the sale to go to closing.
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| 10/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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my house flooded in the XX/XX/XXXX flood, I continued to make the monthly payments from XX/XX/XXXX until XX/XX/XXXX, I continued to make the mortgage payment because I did not want to lose my home, today is XX/XX/XXXX, I am still out of the house it has been deemed unlivable because of mold, mildew, and black mold. I am divorced, and I have been paying the monthly mortgage by myself since XX/XX/XXXX- XX/XX/XXXX, I would call Ocwen on a regular bases to discus sending me information regarding the house , I was told by everyone, that I was not the primary borrower, so therefore they could not disclose any information to me, I informed Ocwen on several occasions that I owned 50 % interest in the home, I was told that my ex-husband had to call to give them permission, I also have been asking since XX/XX/XXXX - XX/XX/XXXX, if they could send me correspondence to me regarding the home, they said no because I was not the primary borrower on the loan, my ex husband remarried in XX/XX/XXXX, and he wants nothing to do with the property. I contacted Ocwen in XX/XX/XXXX, I informed them that the house was still not fixed, not livable, I also told them how I had made mortgage payments on a house for twenty one months, for a house that was not livable. I called Ocwen to inform them in XX/XX/XXXX, that my Mother was ill, and that I was an only child, and that I was not working fulltime, my Mother eventually passed away on XX/XX/XXXX. I started asking Ocwen in XX/XX/XXXX if I could file for bankruptcy protection, or file for a loan modification, I have been told since XX/XX/XXXX to present XX/XX/XXXX, that I could not file for bankruptcy nor could I file for a loan modification because I was not the primary borrower, the house was scheduled for foreclosure on XX/XX/XXXX, I went to a free law clinic, they helped me in XX/XX/XXXX too fill out an application for loan modification, I continually called Ocwen, to no avail, every time I called it stated that they were having technical difficulties, I had no idea that PHH Mortgage was taking over. I received a text message on XX/XX/XXXX from a neighbor stating that my house was back on the foreclosure list for XX/XX/XXXX@XXXX I immediately contacted now PHH Mortgage about how I had found out the previous day that my house was back in foreclosure. I asked the agent why was I not notified about the foreclosure, I told her how I had been asking for correspondence to be sent to me regarding the property, because they knew that my ex husband never contacted them regarding the property, he would never answer the phone when they called, I was the only one. I was very upset, because they had my numbers since XX/XX/XXXX, and even my new updated number, the agent went on to tell me once again that I did not qualify for a loan modification because I was not the primary borrower, and that I still could not apply for bankruptcy because I was not the primary borrower, I could not believe this because I owned 50 % interest in the house, I was told as recently as XX/XX/XXXX that nothing can be done unless my ex husband files for bankruptcy. I have been telling them and also my ex husband informed them that he had no intentions to file for bankruptcy because he had remarried and that he did not want to mess his wife credit up. Ocwen now PHH Mortgage asked for a copy of my divorce papers in XX/XX/XXXX, which I submitted and still I am not eligible to file to loan modification, bankruptcy protection. I even sent them the pictures of the Flooded House, now with Infestation Of Termites, Mildew, Mold, and Black Mold, I told Ocwen and PHH Mortgage about the house being a property considered underwater. The agent informed be that the property has an outstanding balance of {$86.00}, XXXX, not including all of the attorneys fees attached to the loan. I asked if I could contact XXXX XXXX, I was told no, because they were over the loan, I informed several agents that the house, should have been paid out years ago, with that 6,75 high interest rate, we were told on numerous occasions that our credit was so deplorable that we could not qualify for a lower interest rate. I have been also asking if I could do a short sale to save the house, I was also told no. Ocwen Mortgage now PHH Mortgage has been giving me the run around and telling me a lot of misleading information, they have done absolutely nothing to trying to help me in resolving this matter, a friend told me about your company, I can not believe that I am the only one reaching out to the Mortgage company, and they are being conniving, cruel, giving me false information about me not being able to file for bankruptcy, among the other things that I alluded to earlier. I was told to start sending them letters, of things that I needed and they have ignored all of my request, I went back to the legal service and they contacted PHH Mortgage, when they thought that I had legal representation the foreclosure stopped once again on XX/XX/XXXX. I was also injured on my job on XX/XX/XXXX, I sent my entire medical history report, it did not matter, I was assigned a case worker I have been calling her I finally called and she answered the phone on XX/XX/XXXX, I was always told by one of the agents that she would return my calls, never did, I forgot to mention that I sent a Loan Modification Application in XX/XX/XXXX, I was never informed about the status of my application, So I contacted them, I was told that my application was denied, because I had signed where the primary borrower should have signed, I was outraged, I told them that they were aware that my ex husband, was not and did not have any intentions to file a Loan Modification Application, I told them that if I would not have called to check the status of my loan, that the house would have been sold under my nose. I also asked them why had they not reached out to me, because I was the only one showing interest in the home, and that they indeed had my number. I asked them what about their Mission to help the homeowners, they were not in my best interest, I am fighting so hard, because we moved in the home in XX/XX/XXXX, we, I have raised my XXXX children, I have paid too much on the mortgage to lose our HOME. Thanks I know that this is a lot to read, but I am leaning and depending on JESUS, and then The Consumer Financial Protection Bureau, I did not even know that Services like this even existed, when you do not have the legal help, nor the money we as consumers are pretty much at the mercy of the mortgage companies. Thanks in advance.
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| 08/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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QWR Notice of Error Subject property address : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Owner : XXXX XXXX XXXX XXXX ( last four S.S. XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Phone : ( XXXX ) XXXX Loan # : XXXX Forced Placed Insurance : I am putting Ocwen The Loan Servicer and the investor of my loan that there has been improper placement of Forced placed insurance on my loan under Regulation X 12 CFR 1024.37 a lender shall not exceed the amount of force placed insurance placed on a property greater than the investors secured interest. XXXX XXXX XXXX serviced this loan before Ocwen and while the property was under a federal bankruptcy stay placed force place insurance on the property without which was not needed if only XXXX would of asked the courts for the insurance policy in XX/XX/XXXX it would have been provide nevertheless the forced place insurance was in the amount of {$77000.00} which at the time of the placement this insurance would of still been in violation of 12 CRF 1024.37 because the investor only had an interest in the property per a reaffirmation agreement see Exhibit T. When executed this agreement crammed down the debt from {$65000.00} to {$35000.00} the new loan amount caps the maximum amount of forced placed insurance allowed to be placed on the property at {$35000.00}. Ocwen after sending me a transfer notice ( RESPA ) on XX/XX/XXXX see ( Exhibit E ) this notice listed an incorrect balance loan balance of only {$64000.00} and Owcen still executed a forced placed policy in the amount of {$150000.00} on the property this was clearly a violation of 12 CFR 1024.37. This company has been fined by the CFPB for this illegal action in the past and this action has now added a large amount of insurance policy premiums to my pay off. I have listed all the policies for your review as see Exhibits W, V, X, U, T I have also enclosed a letter from Ocwen see Exhibit I. This notice list the type of insurance they obtained and what it covers and how much insurance they place on the property see Exhibit I pg 2 The Insurance We Obtain 4 Hazard insurance. Ocwen has never been compliant under 12 CFR 1024.37 on this loan. I have 4 loans with this company and all four have had this issue it seems to be a pattern see Exhibit I, K.
Attempting to Collect Discharged Bankruptcy Debt : On XX/XX/XXXX I signed a reaffirmation agreement on the subject property see ( Exhibit F ). I began making the new payment of per the agreement to XXXX XXXX XXXX per there internet payment center which was showing the wrong balance of the note after months of internet payments I asked XXXX to start sending me monthly billing statements they complied and as I suspected the bankruptcy debt was listed on the periodic statement and the reaffirmation was not applied to this loan. I called XXXX only to be told that they could not speak to me and was placed on hold for hours with no results and the statements just kept coming in see ( Exhibit 1,2,3,4,5 ) I then received a notice of transfer from XXXX see ( Exhibit D ). On XX/XX/XXXX I received a notice of transfer ( RESPA ) from Ocwen see ( Exhibit E ) this notice also listed the bankruptcy debt as owed. On XX/XX/XXXX I received my first monthly billing statement from Ocwen see ( Exhibit C ) this statement listed the dischargedXX/XX/XXXX bankruptcy debt as stilled owed and now a new post-petition debt in the amount of {$21000.00} along with fees in the amount of {$22000.00} not understanding what this was for I contacted Ocwen only to be told that I was still under a bankruptcy stay and they could not talk to me. This in fact was not true because the bankruptcy was closed on XX/XX/XXXX the stay was already lifted see ( Exhibit Z ). This was to be the only monthly billing statement I would receive from Ocwen over the next three years. QWR XX/XX/XXXX In an attempt to get back on track with the lender In XX/XX/XXXX I faxed over a QWR for all 4 loans and Ocwen sent me notice of receiving my correspondence on XX/XX/XXXX see ( Exhibit N, K ). I sent this over in response to a notice of default I received in the mail on XX/XX/XXXX showing I only owed a balance due of {$15000.00} see ( Exhibit H ). This balance was not in agreement to the only billing statement that I had received in XX/XX/XXXX which stated that I owed a past due amount of {$21000.00} and post-petition payment s in the amount of {$22000.00} which I believe to be the discharged debt see ( Exhibit C ). As a result of the QWR Ocwen sent me documents in which I had never seen before such as a XX/XX/XXXX notice that Ocwen was placing more force place insurance on the property in the amount of {$150000.00}. This document had in itself a loan history and printout showing a balance on the loan as of XX/XX/XXXX {$34000.00} see Exhibit B. This payoff quote see Exhibit Y ) only showed a balance of {$44000.00} owed. Summary In XX/XX/XXXX requested another payoff quote and a payment history of the loan. The printout of the history of the loan shows the mismanagement of the loan on XX/XX/XXXX the balance of the note was shown to have been {$64000.00} and the mortgage balance was not corrected per the print out to reflect the court ordered cram down until XX/XX/XXXX see ( Exhibit H ). After my QWR notice had been sent to Ocwen and someone realize the issues of my loan. I was still never notified of the servicers discrepancies and mismanagement of my loan but I was notified that I was being foreclosed on by a law firm see ( Exhibit M ). Ocwen has since being in XX/XX/XXXX sending me out periodoci monthly billy statements listing fees such as insurance premiums and now taxes that I should not owe on the property. I never received a correct statement from Ocwen for about 36 months which is a violation of the Regulation X CFR 1026.41. Also the asking of by phone or mail any discharged bankruptcy debt is a violation of the bankruptcy code 11 U.S. Code 1141 and can result of a heavy fine if needed to be brought back into Bankruptcy Court. See ( Exhibits E, C,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23 ) all can oppose a fine by the CFPB of up to {$2000.00} for each occurrence not including the months a statement was not delivered and any Bankruptcy violations that the Federal Judge might sanction. Please review this material that I have provided and get back to me with what you might see is a reasonable offer to settle this matter as always I have found it better for both sides to settle this out of court. Please Advise XXXX XXXX XXXX
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| 05/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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California has been shut down since XX/XX/XXXX. We have not been allowed to go to work. I applied for Covid 19 forbearance in XXXX and have a receipt. Ocwen/PHH/XXXX XXXX ( not sure who is the real servicer ) said I used the wrong account number and asked me to reply with it - I did and your response was that I needed to send a qualified written letter. PHH could have easily found my account using my email address and updated my account that I had requested Covid Relief. After checking my account, I realized nothing had been updated. I filed a covid 19 form again online in XXXX and received an email today, XX/XX/XXXX that I need to call a relationship manager, which I did and the person was not available.
I want my account corrected that I applied for Covid19 relief in XXXX and late charges reversed. I also want my portal fixed so that I can access my account information and statements. PHH has now turned off my portal so that I can no longer have access to my statements and loan information. I want the forbearance of three months tacked on to the tail-end of the loan as it is done with the FHA loans and my XXXX XXXX XXXX loan. PHH is stating that the lump some of three months is due at the end of forbearance. Because of the pandemic, the State of CA did not allow us to work - we need help with these monthly mortgage payments for at least three months.
Below is a copy of my first receipt - I can provide others if needed : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : Important Information Concerning the Mortgage Account Dear Customer, The information you provided in our web form is invalid. Please resubmit your account details or respond with an account number and your property address so we may authenticate your account. Also, please include the type of loan you have to assist us in addressing your inquiry properly.
If you have any further questions, please contact us through our website at XXXX or call Customer Care at ( XXXX ) XXXX during the following hours : Monday Friday XXXX XXXX ET PHH Mortgage Services , LLC XXXX XXXX XXXX XXXX. XXXX, NJ XXXX This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regards to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally.
The information contained in this communication is confidential information intended only for the personal and confidential use of the individual or entity to which it is addressed. If you are not the addressee indicated in this message ( or an authorized agent responsible for delivery of the message to such person ), you are hereby notified that you have received this communication in error and that any review, dissemination, copying or unauthorized use of this message is strictly prohibited. In such case, you should destroy this message and kindly notify the sender by reply email.
If you wish to change your consent to receive emails from PHH in the future, please contact us to update your account. When you provide your email address, we may use it to send you important information about your account.
PHH email response when they asked me to reply with my account number ( note, my name is not XXXX ) : Dear XXXX, If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred : PHH Mortgage Services XXXX. XXXX XXXX XXXX, NJ XXXX This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact our Home Retention Department at XXXX XXXX ) XXXX to speak with the Relationship Manager, XXXX XXXX. XXXX XXXX is your designated contact for inquiries and the submission of documents as needed.
XXXX C/O PHH Home Retention Department is available during the following hours : Monday Friday XXXX XXXX ET For your protection, we have removed any personally identifiable information from your original inquiry.
This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regards to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally.
The information contained in this communication is confidential information intended only for the personal and confidential use of the individual or entity to which it is addressed. If you are not the addressee indicated in this message ( or an authorized agent responsible for delivery of the message to such person ), you are hereby notified that you have received this communication in error and that any review, dissemination, copying or unauthorized use of this message is strictly prohibited. In such case, you should destroy this message and kindly notify the sender by reply email.
If you wish to change your consent to receive emails from PHH in the future, please contact us to update your account. When you provide your email address, we may use it to send you important information about your account.
Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX To : XXXX Subject : Re : Important Information Concerning the Mortgage Account Date : XX/XX/XXXX XXXX XXXX EDT Caution : This email has originated from outside of our organization. DO NOT CLICK on any link or attachment unless you recognize the sender and the content is safe.
Caution : This email has originated from outside of our organization. DO NOT CLICK on any link or attachment unless you recognize the sender and the content is safe.
Resubmitted today - did not see this email previously.
This is for Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thanks you.
XXXX XXXX XXXX
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| 08/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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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?
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| 04/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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And I've given this company several times to correct itself any case ignoring the issues. First of all using the old contract XXXX is null and void the contract was rewritten in XXXX. Meaning trying to use XXXX contract as their basis for allowing for transfer is illegal. The XXXX contract supersedes and overrides the XXXX contract. Which means you have no legal right to sell or transfer my mortgage without my permission. If you want to go that way we can easily go to your another {$35000.00} in missed payments making it a total of {$55000.00}. I have provided you with more than enough information on several different occasions to show where the missing amount for which came from your own XXXX XXXX invoices.
Which I will put again at the bottom of this but you need to properly investigate.
If I do not receive a response by XX/XX/XXXX I will be forwarding all this information included additional information have to the IRS notifying this company money in which they have embezzled from me and failed to report to them. I will be contacting the FBI and letting you know that you have misappropriated federal stimulus money and embezzlement of money.
You will break down every last dollar from the beginning this account from every money taken out how much was paid to each account ( insurance, taxes and etc. ) and how much it actually was by XX/XX/XXXX XXXX hrs. OTHERWISE IRS AND FBI and Florida prosecutors office The mortgage originated in XXXX with XXXX XXXX by XXXX XXXX. In XX/XX/XXXX the mortgage became XXXX XXXX. From there they went through a multiple of mortgage companies ( 7 ) from XXXX, XXXX, and several others before becoming Ocwen. This caused multiple issues.
In XX/XX/XXXX the mortgage was modified XXXX XXXX XXXX XXXX ( XXXX ) incentive during this time the mortgage company right to transfer/sell off to another mortgage was removed. The mortgage company can only transfer /sell off with court order or XXXX XXXX Approval which OCWEN approved. Then as PHH mortgage purchase/acquired OCWEN still responsible for following this agreement.
A letter was sent to OCWEN by certified mail in XX/XX/XXXX. This letter stated that any extra payment, funds, refunds and etc. would be applied to the principal for the entirety of the mortgage agreement.
At the end of XXXX over $ XXXX of extra payments were not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
In XX/XX/XXXX PHH mortgage purchase OCWEN mortgage and taking over all responsibilities, issues, and agreements.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
In XX/XX/XXXX PHH mortgage violated the agreement set forth during XX/XX/XXXX XXXX in which the mortgage company would have to XXXX XXXX approval or Courts approval to transfer or sell off. So, unless XXXX XXXX purchased PHH mortgage then PHH mortgage violated the agreement and transfer/ Sale are null and void. Plus, PHH mortgage then committed identity theft by releasing XXXX XXXX personal information and Social Security without my approval. XXXX XXXX is also committed identity theft by not receiving preapproval to receive XXXX XXXX personal information and Social Security.
At this point PHH mortgage is missing $ XXXX in payments ( extra payments, escrow, interest ). This doesn't include the missing amount for lower payments should have occurred from XXXX to XXXX to XXXX to XXXX to XXXX to current which I am guessing is another couple {$1000.00}.
As PHH mortgage purchase OCWEN they are responsible for everything all the way back to XXXX.
I have complained 100 times about these issues by letter, e-mail, and phone with no response from either OCWEN/PHH mortgage XXXX incentives of {$5000.00} on the sixth anniversary XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Payment was NEVER APPLIED.
Government Incentive for Customers in Good Standing of {$5000.00} was also never applied.
I contacted PHH mortgage both by phone and e-mail with no response. I also sent a letter which I waited 30 days with no response matter fact I have read your received response in 90 days from when the letter was sent. They only respond when consumer financial protection Bureau is involved.
At this point with the missing incentives and the missing payments we are now over {$30000.00}. At this point I am ready to contact Florida prosecutors office and have PHH mortgage license revoked and embezzlement charges brought forth. Along with government fraud stealing government incentive.
Charged with embezzlement of funds. Charge with government fraud. Charged with identity theft.
They need to notify XXXX XXXX that they no longer have the mortgage and will be having a third-party scrub all my personal information and Social Security numbers .
They go back to XX/XX/XXXX and correctly apply all the extra payment and overpayments to the principal correctly along with missing interest.
They will also apply the XXXX incentive {$5000.00} and the government incentive customers in good standing ( stimulus ) {$5000.00} that is also missing They will show documentation all the way back that this has been done otherwise will be contacting the Florida prosecutor office in having charges brought forth XXXX XXXX to be charged with identity theft. If they wish not to be to have a third-party remove all my personal information and Social Security their records.
If they do not wish to be then all records, contracts, sales are to be returned to PHH mortgage and then have a third-party remove/ verify all my personal information and Social Security numbers from their records XXXX XXXX is filled the respond any complaint via mail or e-mail other than stating in a form letter that they will get back to you in 30 days. This is the exact response that was given to the consumer financial protection Bureau. It has been over 90 days with no response. It is unacceptable and unlawful.
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| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am the victim of a bait-and-switch predatory mortgage loan scam by PHH Mortgage Services, XXXX XXXX XXXX Trustee for the securities, ) XXXX Mortgage Solutions ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX the mortgage broker ), XXXX XXXX XXXX XXXX XXXX 's ( the ratings agencies ) and various investment banks.
I applied for a regularly amortizing {$320000.00} mortgage that would allow me to purchase and own my home free and clear after making the fixed payments over the life of the loan.
The broker, XXXX XXXX XXXX XXXX, said I was approved for a 45 year regularly amortizing mortgage.
I thought the 45 year term was odd but I trusted the broker to be acting in my best interest.
But XXXX XXXX switched the mortgage documents at the closing table from the regular 45 year mortgage to a 30 year mortgage with a massive $ XXXX balloon final payment equal to more than 72 % of the original loan balance.
The XXXX XXXX and XXXX could easily see from my application that there was little to no chance of me having that much money to make the final payment at age XXXX when the balloon payment was due.
I later read that they targeted older, minority borrowers like me for this scam.
The actual amount of the balloon was hidden in the fine print, and was not specified in the mortgage agreement or the mortgage note.
The loan was structured for me to pay my loan for 30 years and lose my home to foreclosure in my old age.
The broker, the lender, their business partners and their investors fraudulently enriched themselves at my expense for 30 years, and then snatch my home back.
I did not apply for this kind of mortgage.
The XXXX XXXX knew my family and I had to move out of my apartment and into my new home the day the closing papers were signed, and that we would feel trapped into signing the switched loan papers.
This scam mortgage loan was at a much higher rate and filled with excessive fees to unduly enrich the lender, the broker and their business partners.
They placed in a trust with other scam loans, gave the trust a bogus XXXX rating and sold it to institutional investors as a high yield, low risk an asset backed security.
Because of the higher interest rate and excessive fees, my monthly loan payments were the same amount as a regular, steadily amortizing mortgage.
Instead of gradually reducing my principal to XXXX, almost all of my monthly loan payments have gone to the investors, the servicers, ( XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX, and now PHH, ) the lender ( XXXX, ) the trustees ( formerly XXXX XXXX, then XXXX XXXX XXXX and now XXXX XXXX XXXX, and their various business partners.
Two modifications followed.
Never did I apply for a mortgage modification with a final balloon payment.
Never was I told in advance that I would be getting a mortgage modification with a balloon payment.
After approving me for the modifications and accepting my trial payments, the lender once again surprised me with loan papers that included a massive final balloon payment after 30 years of payments.
It's my understanding that mortgage loans like these -- where there is zero probability that the borrower will be able to make the final balloon payment and repayment is likely from liquidation or foreclosure of their primary residence -- are considered unconscionable and are illegal.
PHH used the courts paid for my the taxpayers to obtain a foreclosure decree.
They fast tracked the sale of my home, but I stopped the sale by filing for protection from them in the bankruptcy court in XXXX, XXXX.
But PHH has not applied any of my {$59000.00} in loan payments to them since then to the debts they claimed I owed.
When I tried to refinance in XXXX, XXXX, PHH sent me a payoff quote that was almost the exact same amount they said I owed in XXXX when I filed my XXXX XXXX petition.
I asked them why I still owed virtually the exact same amount after paying them {$52000.00} over the three years.
In PHH sent me a loan transaction history dated XXXX that showed {$0.00} ( zero ) of my loan payments since XXXX, XXXX.
There were no transactions at all after XXXX, XXXX.
I notified PHH of their error, sent them proof of payments from the XXXX XXXX Trustee and asked PHH to update their transaction history, but PHH has refused to do so.
Instead, PHH just keeps adding more fees and claiming I must pay them more money to refinance or sell my home.
I know PHH has loan accounting records that show running balances of how my payments were applied to the principal, interest, fees and escrow they claim I owe them, because they keep generating statements claiming I owe them higher and higher amounts.
They just won't tell me how they arrived at those higher amounts.
PHH sent me Reinstatement Quotes in XXXX, XXXX and XXXX, XXXX respectively, claiming I owed them {$110000.00}, then six months later {$130000.00} just to be current on the mortgage -- exclusive of over {$5000.00} in additional " fees. '' Why does PHH continue to refuse to send me a detailed accounting of how my payments were applied to the principal, interest, fees and escrow to arrive at these numbers?
Why is PHH concealing my assets and attempting to extort money from me this way?
I asked PHH to refinance the mortgage to one with a traditional, gradual amortization and NO BALLOON, but they completely ignored me.
They also refused to modify the mortgage with a traditionally amortizing repayment structure.
PHH has paid $ XXXX in fines to government agencies and private parties for their fraudulent predatory lending practices, but they never fixed the underlying loans.
Since PHH thwarted by effort to refinance in XXXX, XXXX, interest rates have risen from 3 % to over 7 %.
The combination of the inflated payoff quote and the twice as high interest rate changes my loan to value ratios and loan payment to income ratios so much so that I no longer qualify to refinance.
PHH 's fraudulent business practices force me to continue paying them and their investors while I can, but PHH knows that the amount I am forced to pay the bankruptcy Trustee to protect me from them is extremely high.
PHH is attempting to collect an unlawful, fraudulent debt.
It's my understanding that PHH 's lien is nu
ll and void because it was obtained by fraudulent means.
Would you please help me get PHH 's lien voided and released?
Thank you so much in advance for your help!
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| 04/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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This is a complaint regarding Ocwen Loan Number : XXXX . Property address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Been having issues with my loan mortgage service company, Last XXXX XXXX wrote Ocwen say going to the home up for sale, But its still under water because of my mortgage modification over increased what I originally paid for the home, So they suggested I do a new loan modification, and it was much more than I was paying now with even high balloon payment, And I was put on a trial loan modification they failed to look at my income and my monthly expenses as Im now making less money, This new loan modification was more than half my monthly income. So I than say no I do not want the new loan modification because I can not afford to pay more, So than me and my wife decided lets see what options Ocwen has for us, So I call Ocwen fully qualified off shore representative relationship XXXX , I asked what Options does Ocewn provided to liquidate the property I can no longer afford? certified relationship XXXX advised You can do a short sale or a Deed in XXXX where you can get $ XXXX {$12000.00}, So we ok thanks give us time to think about this. So what we did was lower our home price to see if we get any bites or sale and save our credit, Nothing happened, So at this point I said ok lets call back Ocwen confirm we can get $ XXXX {$12000.00} and apply for the Deed in Lieu, at least this way I can pay the {$7000.00} on the air conditioner and central heating system and have money to move. So I told this sounds good a least I can walk away with some funds for moving cost a rental and pay off other expenses and the {$7000.00} on the air conditioner and central heating system I have on the house, So I processed had them start the process of the Deed in Lieu, and they asked me for some information and if and how long was married, Gave then the info so they could validate house title was free and clear. But On XX/XX/XXXX received a call from XXXX XXXX our specialized HRD Escalation Agent for our account advised we would only get nothing or maybe up-to just {$3000.00} as relocation incentive with Deed in Lieu option. However this is not what their XXXX representative said to me when I called on XXXX he said Id get the amount of $ XXXX {$12000.00} with deed in lieu, and that is why I went for it in the first place. How can Ocwen tell me XXXX thing and then another? After all been in this home for 12 years now and owe more that I originally paid for it, plus I paid off XXXX equity loans and still owe {$7000.00} on the air conditioner and central heating system. Is there not a human at the end of my loan with any hart or compassion that can see issue I have, only asking Ocewn for the $ XXXX {$12000.00} with deed in lieu to hand over a close to {$530000.00} dollar investment. My original loan/purchase amount was for {$360.00} in XXXX XXXX , On top this we had XXXX equity loans, XXXX with Key bank for about {$30000.00} + equity loan for {$80000.00} with XXXX bank. We settled and had both equity loans payed off clearing title on the house. Until the mortgage modification where new mortgage jumped to {$440000.00}, This new loan also asking me for a balloon payment of {$140000.00} at age XXXX .In addition I had the kitchen updated, new in ground pool installed, and last year an entire new air conditioner and central We have on the market over XXXX because there no room to sell conventionally because reality and closing cost would not be covered we were willing to do the Deed in Lieu option, but was willing to walk away as my income is less and taxes are going up. Even XXXX airlines changed its policy, They will now pay customers up to nearly {$10000.00} to give up seats, I 'm giving up my home XXXX and Ocwen ca n't give me $ XXXX {$12000.00}? In reality should getting more than $ XXXX {$12000.00},. The fact I still owe more on my home than its worth over last 12 years and never refinanced and still have a loan higher than original amount paid makes me feel Ive been renting my home through Ocwen where all the last 12 years of payments on top of hundreds and thousands of home improvements to the home h ave gone in the trash. I 'm giving up my home and Ocwen i s offering nothing.. Now its XXXX , and now I owe Ocwen {$370000.00}, The home could sell today for $ XXXX so Ocwen stands XXXX make a profit. Ye sterday I call A HUD housing counselor gave them the information, They even called Ocwen with me on the phone to see if Ocwen can provide relocation over {$3000.00}., But Ocwen said have to call back Monday.
, Today I called Ocwens deed in lieu department, Now again getting conflicting information, Now say if I apply for deed in lieu it will not go in as a settlement, and they will try and ask the investor if they can do better on relocation assistance, This now has me update the Rep from Ocwen states, You should do a short sale and it will go in as settlement and owe nothing?
I said they told me a deed in lieu would also go in as a settlement, But rep saying NO, only short sale would .. and would still offer {$3000.00} as relocation incentive. Because of this now not sure what to do afraid if I turn now on short sale now the time falling behind will harm my credit further because of Ocwens conflicting information over the phone.
How is Ocwen allowed to overinflate mortgage modifications way past t he home owners income and mess up Home insurance payments I had to pay myself in XXXX as they told me it changed and it homeowners problem to later changing it back to escrow, and steal my funds from XXXX on my Principal forgiveness as I did not receive all may payments, and also XXXX up my credit report saying im 125 days late, if I were would they have not foreclosed?, Try and sell me another over inflated mortgage that would take generations to pay off, and or send me useless letters in the mail, saying nothing .. but XXXX contact Ocwens Customer Care Center at XXXX XXXX XXXX XXXX XXXX or additional information regarding the account ) Tired of the run aroun d, Ocwen should provide us with the $ 10,000- {$12000.00} that was said on the phone the 2 times I called, Now pulling it back calling me today saying that there only offering me and my wife nothi ng or maybe up-to just {$3000.00} as relocation incentive..
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| 07/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I applied for a home loan to purchase the house my family and I have been renting for 2.5 years, but was informed I could not be approved because my XXXX and XXXX credit reports showed I had an account with XXXX XXXX XXXX that was being reported as a Paid Foreclosure. I explained that the house was sold and the loan settled for less than the balance owed, but was not foreclosed. My lender instructed me to call Ocwen and request a written letter stating the house was not foreclosed so we could submit this to the credit bureaus. I called Ocwen, using the number shown on my credit report, on XX/XX/XXXX and was informed that they had no record of my loan account and that I would need to fax my request to their Research Department so that department could locate my account and provide the requested letter. I faxed my request to the Ocwen Research Department on Friday, XX/XX/XXXX, received confirmation from XXXX that the transmission was successful, and on Monday,XX/XX/XXXX, I called Ocwens Research Department using the number I was given on Friday ( XXXX ) to verify my fax had been received. I spoke with XXXX ( XXXX ) who informed me my fax had not yet been received and to give it another day. During the call, I informed her that my request was time sensitive as I was trying to get approved for a loan before the owners of the house I rent put it on the market and increased the price $ 30k, putting it out of my reach. She understood and said she would code my request as urgent to get it processed quickly. I called back the following day, Tuesday, XX/XX/XXXX, and again was informed by XXXX that my fax had not been received, to give it another day. I called back the following day, Wednesday, XX/XX/XXXX, and was again informed by XXXX that they did not have my fax. She instructed me to send my request again to her attention at their private fax number ( XXXX ) and that she would get the request submitted to the research team. I called back on Friday, XX/XX/XXXX, and XXXX stated that she would go check to see if my fax was received. At that time, she found my request and stated she would submit it to the research team for action with a indicator that it was urgent. She informed me that these requests typically take 10 days or less and that I should have the requested letter confirming my mortgage loan was not foreclosed. On Thursday, XX/XX/XXXX, I called Ocwen back and spoke with another representative who stated he could not find my request so could not provide status, but would have XXXX call me back the next day. She did not call back the next day so I called again on Monday, XX/XX/XXXX at which time XXXX curtly informed me that the request was still in process, to give it 15 days, and to stop calling. On Thursday, XX/XX/XXXX, my lender and I called Ocwen and spoke with XXXX to find out status. She informed us that she did not have a status update on my request and that the Lien Release Department does not take calls from consumers so we could not speak with them to find out status. She did finally provide us with a Request Reference Number ( # XXXX [ XXXX ] ). Using this number, she was able to provide a reference status datedXX/XX/XXXX stating a letter would be faxed. She informed us that she would request the Lien Release Department/Research Department send the letter to me via email. On Friday,XX/XX/XXXXXX/XX/XXXX, I received a letter via email from Ocwen stating they did not acquire servicing rights to my loan as part of the GMAC Mortgage bankruptcy so were not able to assist with my request. On XX/XX/XXXX, I sent a dispute letter to XXXX and XXXX asking that the Foreclosure remarks be removed from the account as foreclosure proceedings were never initiated to my knowledge. XXXX removed the entire XXXX account from my credit report prior toXX/XX/XXXX. On XX/XX/XXXX, I received an email notice from XXXX that the dispute investigation had been completed and that account information had been updated. The XXXX account was updated only to remove the dollar amount of delinquency as ofXX/XX/XXXX, prior to the house selling. I called XXXX after reading this and was informed I had a different XXXX file number and that my file was being handled by the Fraud Victims Assistance team so I would have to call them. On XX/XX/XXXX, I called the Fraud Victims Assistance group and spoke with a supervisor, XXXX XXXX, who told me to send over any documentation I had to support my claim that the house was not foreclosed and that she would update the account if documentation was sufficient. If the documentation was not sufficient, she would call Ocwen to attempt a phone verification and that she typically answers her faxes within 1 to 2 business days. On XX/XX/XXXX, I faxed my request to her attention along with the following documents : Release of Deed of Trust from XXXX XXXX XXXX Withdrawal of Notice of Election and Demand for Sale by Public Trustee from GXXXX XXXX XXXX Request to Ocwen Loan Servicings Research Department Ocwen Loan Servicing response I called XXXX on XX/XX/XXXX and spoke with another supervisor who informed me that XXXX would call Ocwen the following day, XX/XX/XXXX to do the phone verification. I called back onXX/XX/XXXXand again spoke with XXXX XXXX. She informed me that the documentation I submitted was not sufficient to remove foreclosure remarks and update account status, and that she would do the phone verification with Ocwen on Friday,XX/XX/XXXX. After speaking with XXXX on XX/XX/XXXX, I faxed over the Settlement Statement ( HUD-1 ) and Warranty Deed transferred from me and my ex-husband to the buyer. On XX/XX/XXXX, I called back and was informed by another Supervisor that XXXX had called Ocwen and that they could not verify my account, but would not give permission to change the account status, so XXXX opened another dispute with Ocwen on my behalf. On XX/XX/XXXX, I submitted a CFPB complaint against XXXX asking that they update the XXXX account status since they are knowingly reporting inaccurate information. OnXX/XX/XXXX, I was informed that XXXX had responded to my CFPB complaint and that they were not going to update the account and that they would not update the account unless I could provide a recent letter from the creditor stating the loan status should be changed, and that they would not open any more disputes unless I had new documentation to support my claim.
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| 07/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Once again I'm dealing with these wan na be hackers in my phone literally deleting pics I have, stoping me from reporting the fraud I caught phhh mortgage services in and XXXX XXXX XXXX XXXX which is phh and the cfpb sitsback and does nothing. The worse part js these group of people are staged at my house sent by none other than phh mortgage services to literally participate andbleed you out. This shady person named XXXX from phh has actually been in my XXXX residence! At no point should the answer have ever been to send anyone out to myhouse but that is what I'm dealing with day by day. And XXXX this person has literally used the only other person here to try and hold me down taking my phone, taking my keysand keeping so I don't go anywhere at all like I'm in prison and they have the right to do! This person, XXXX XXXX is in stage XXXX XXXX failure and on XXXX and they literally used her. They don't have herbest interest in mind and now she's on her own because I can't trust her after she has sold me put over and over again. Is sad. Literally just sad. I've known this person for over 10+ yrs and now she's non existent. Unfortunately it's not the 1st time. XXXX XXXX was the 1st they reached out to and sold me out. All for a little money and a car. You check the Vin number or license plate number on car in pic in driveway and you'll see belongs to her. Her with bad credit, never had a loan before, or anything. Just like that. I bought her the previous car she had, a XXXX jeep and they literally got her to keep my keys from me so I couldn't do ride share to make the payment. These shady people with the backing of phh mortgage services even made sure to get the repo team to break laws and keep for a time from me getting items from car. XXXX gets repoed. My credit further ruined and the jump in and save the day buy her a car. Then this freaking person WHO SHOULD IN NO WAY BE NEAR OR IN MY HOUSE FROM PHH, starts literally staying with and sleeping with her at my house! On more than one occasion and keeps coming back. Like this is some game! They literally used her and now what? Is he going to take care of her??? WHAT IS THIS! I SIGNED UP FOR A MORTGAGE, PAID IT DILLIGENTLY EVERY SINGLE MONTH ON TIME NOT ONE SINGLE PAYMENT MISSED NOT ONE SINGLE PAYMENT LATE AND THIS IS WHAT I GET! Myown mortgage servicer staging groups of people at my house! Literally following people out in effort to intimadate and ruined this woman 's life. I took care of her. When where she stayed with her dad was unstable I took her in and this XXXX XXXX who is probably married played a game and she's on her own. I can't afford to be around anyone at all especially people that can cause damage since they close to me and basically cuz that's my choice. I will never see her again. I will never want to hear from her again. This is the destruction these mortgage services cause! AND FOR THE LAST TIIME LET 'S BE CKEAR SINCE THE CFPB IS BEING MADE OUT TOBE A JOKE BY PHH MORTGAGE SERVICES. IN NO WAY SHAOE OR FORM DO I WANT ANYONE AT ALL SENT FROM PHH MORTGAGE SERVICES NEAR, CLOSE, IN YES XXXX IN MY HOUSE NOW OR EVER!!!!! WHY DO I HAVE TO KEEP COMING BACK ON HERE ABOUT THESE SAME PEOPLE AND NOTHING IS DONE! Harassment, destroying people 's lives!!!! I didn't sign up for this! I signed up for a mortgage XXXX! I paid it DILLIGENTLY for 10 years and phh mortgage services just up and decides they want me off the books so the staged a default to my home loan and illegally foreclose and sell my home right before my eyes onXX/XX/2019. Then they send these wannabe hackers literally out to my residence to causeeven more damage by pitting the people closest to me against me to help bleed me out! All because they messed up when processing me for mortgage assistanc 1 and it blew up in there face and I'm the one paying for it! This is my life!!!!! NOT A GAME!!!!!! THERRS EVIDENCE EVERYWHERE IT CABT EVEN BEE HIDDEN. PHH PAID OFF THE LAWYER I HIRED TO FILE A LAWSUIT AGAINST THEM SO THAT THEY CAN SWOOP IN AND PAY OFF THE ENTIRE LOAN IN AN ATTEMPT TO HIDE THEIR FRAUD. What's even worse I have to now report XXXXXX/XX/XXXXXXXX for selling me up the river where XXXX possibly get barred. Because he's a CPA and either he sold me out or is going to actually try and use the argument that he didn't notice which is impossible. I'm not like any other case. If XXXX XXXX set the presidence for beating phh at trial, I'm not a case or subset like that case. They are a subset or case like me. Because whereashe had to prove with records, receipts, call logs that he made his trial payments they missapplied but coulnt see where they went, on my statements you see it all. Every miss applied payment and where it's missapplied to, every XXXX overdraft phh does in between mortgage assistance 1 and 2 where they collude with XX/XX/XXXXXXXX which was my bank I had a checking account with to strip me of my equity once the overdraft comes back where after they close then open the next period, every little abd big destruction done to my account and now to me. A mortgage servicer I didn't get to pick causing me to have XXXX for 1st time in life. They know I have XXXX, I even signed an avidavit at one point telling phh of it because they were fishing for any lil reason to justify what even their foreclosure dept saw I was caught in. A tried and true complete homeowners insurance XXXX scheme with a method at the XXXX that has been used in all their fraudulent schemes that they stage and take a homeowners home. And not just phh or any of the fraudulent servicers under the Ocwen umbrella. All if them. I found clear cut evidence of exact same scheme used by a different servicer in a diff state 11 years ago. Like XXXX XXXX, she received the other set of statements than I did. Rember dual statements means dual iterations to what happened, dual time lines and yes, dual statements to! How they do it I'll show on next complaint. I now need to find where I'll be staying. I have XXXX. There's no denying that. People are always my Achilles heel and those close have caused the mist damage. And I never even saw it coming. Which is why I have to stay away. Next time I may not even make it out. This is the destruction and fraudulent acts I'm dealing with all because they committed fraud on me. I paid my mortgage DILLIGENTLY for 10 years on time and phh ruined my whole life. Every single part, every single person in it.
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| 12/15/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I want to put in a complaint with XXXX XXXX XXXX, XXXX ITS CAPACITY AS TRUSTEE for selling my loan service to phh mortgage.
PHH MORTGAGE is not the lender. PHH MORTGAGE is the company that manages the loan. PHH MORTGAGE never contacted XXXX XXXX XXXX to the best of my knowledge till XXXX.
I recorded a bargain and sale deed on XX/XX/XXXX of XXXX. I also had some research done on the property.
Exhibit 1 : bargain sale deed and research on the property I contacted PHH MORTGAGE in XX/XX/XXXX after my father passed away. I informed them at that time I would need a letter stating that I was not on the loan and I was not responsible for the loan. PHH MORTGAGE never did one XXXX thing. I have over 23 hours of talking with PHH MORTGAGE to get the letter done and they kept saying they're getting it they're getting it. After my dad 's state closed, I'm not sure how many times I called but I could pull up the phone records and tell you.
Exhibit 2 : hours on phone My mother hired me an attorney to see if PHH MORTGAGE would respond to them but there was no response Exhibit 3 : letter from lawyer I hired an attorney in California because that's where my dad died and that is where the probate was. I spent over {$60000.00}. I should never have spent a penny because if PHH MORTGAGE would have done their job we wouldn't be here I never heard from the PHH MORTGAGE until XXXX when they sent me a notice of intent to foreclose. I called PHH MORTGAGE and they informed me that they never got a change of address or phone number which was a total lie because I enclosed all my information when I sent the death certificate. PHH MORTGAGE said they had the death certificate.
Exhibit 4 : notice of intent to foreclosure I didn't understand what the heck was going on because I had it being directly paid out of my checking account. The reason the mortgage got upside down was because PHH MORTGAGE never informed me that the interest rate had changed. PHH MORTGAGE started charging me interest for late fees and everything else they returned my money for the XXXX payment. I fought with them to get the late fees off and they said that they would, and I said I would pay the payment but they never did anything about it and I never made a payment since. I called them repeatedly about it and you can see that on Exhibit 2.
XXXX through XXXX of XXXX the payments were taken out of my father 's account. In XXXX of XXXX the executor of the estate said that my father was not responsible for the loan because I was also on the loan. That is a false statement because I am not on the loan and I'm not responsible for the loan Exhibit 5 : Money that I paid personally on the loan In XXXX of XXXX I put it in a mortgage assistance application. That was really a mess of bad communication between me and PHH MORTGAGE. I want to do a short sale and I offered XXXX and they did not accept it. I asked PHH MORTGAGE what they would take. PHH MORTGAGE would be XXXX but I couldn't do it because the loan was in modification, and I would have to wait till they got out of modification. We went to court I believe three times I can't remember and the last time we were going to go to court and get it all handled PHH MORTGAGE didn't show up, so the case was dismissed and dropped. We were back to square one.
Exhibit 6 : Mortgage assistance I have talked to so many people at PHH MORTGAGE. I have had at least three different case managers. I forgot my first case manager 's name but the second one was XXXX XXXX. She is a very kind lady and she tried hard to get things done but she couldn't get anything done. The next one that's current now is XXXX XXXX XXXX he is very disrespectful and doesn't even know his job.
Exhibit 7 : Reassignment caseworker They did investigation XX/XX/XXXX and they said that I was wrong if they were right Exhibit 8 : response letter PHH MORTGAGE is like working with a bunch of first graders. They don't have a clue of what's going on. I finally said I can't deal with them anymore. I authorized XXXX XXXXXXXX to do the documents and communicate with PHH MORTGAGE. I want to prove how bad PHH MORTGAGE is and now there's a third party.
Exhibit 9 : authorization of XXXX On XX/XX/XXXX of XXXX PHH MORTGAGE sent out another Borrower assistance package. I filled out all the paperwork for them and they keep calling me saying their missing stuff but this time I went through XXXX so it would be my word against PHH MORTGAGE like the first time I learned my lesson. XXXX has been so kind to me it's unbelievable. Now I believe the State of Oregon the District Attorneys office is on my side as well. It's nice to finally get help. PHH MORTGAGE and their attorneys as well have lied to me over and over over again plus they have lied to Consumer Finance.
Exhibit 10 : Company responding to consumer finance Exhibit 11 : Letter stating I'm missing documents for the mortgage assistance which I have proof that I sent them to PHH MORTGAGE.
Exhibit 12 : borrower assistance I don't recall the date I put in a request for a short payoff with PHH MORTGAGE. I believe it was like six months ago and in XXXX I received a phone call from PHH MORTGAGE to send the XXXX and they give me the wire instructions. I told them it would be a couple days for me to get the money together. I got the money together and wired it XX/XX/XXXX. On XX/XX/XXXX, I received the letter that they're not accepting that short pay off now. I believe they are not accepting it because the house is gone up so much since XXXX. In XXXX it couldnt even sell for XXXX. I had it up for sale because I was going to move to California to take care of my Father, but he passed so I took it off the market the next day. I received a letter on XX/XX/XXXX of XXXX saying PHH MORTGAGE is not refunding my money. That is 100 % against the law.
Exhibit 13 : information on short payoff and a letter about the XXXX I sent them.
I applied for a loan, and it appears that loan was taken out with me and my dad in XXXX. I don't know what PHH MORTGAGE has done now but they are hurting my credit.
I reached out to the Oregon Legislature and got a nice Response.
I requested documentation from my case manager at PHH MORTGAGE XXXX XX/XX/XXXX and I haven't heard one thing I am really reaching out to everybody I can. PHH MORTGAGE is 100 per cent in the wrong. I just need some people to help me.
Exhibit 14 : proof of the things I said above
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| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I set out to catch and show PHH Mortgage Services in the fraud they committed to me when they staged a default to my home loan starting in XX/XX/XXXX and then illegally foreclosed on me and sold my home at auction later that following year in XX/XX/XXXX, simply by requesting the statements they have on file for me and my mortgage there at PHH from XX/XX/XXXX - current so that I can show not only have they committed fraud by trying to cover up the fraud they committed on me from XX/XX/XXXX - current ( covering up fraud is an act of fraud in itself ), but would have actually done so by having PHH submitting this fraud cover up straight through to the CFPB as I submitted this request through the complaint process and would have them no choice but respond and send back any statements sent back, sent through the CFPB portal as well.
What I got back in response to my request ( attachment 1 ) is all together appalling, disgusting, and downright discriminatory towards me that they would try and make only me have to settle for these statements when no one else at all would put up with these statements they are trying to pass off as legitimate. Not only do these statements break numerous RESPA violations, as well as show on record PHH breaking Federal Law more than once and in more than one way ( dual tracking is breaking Federal Law, charging me the amount of escrow in the {$19000.00} overdraft PHH did to my checking account in XX/XX/XXXX is braking Federal Law ), but their own response also proves what I have been saying and submitting complaints to the CFPB all along, that PHH Mortgage Services messed up so bad when putting me into their fraud scheme that shows a revenue stream that they, as well as multiple entities, are participating in when they stage defaults and illegally foreclose and sell homeowners homes at auction, that the only way they could cover it up is by setting these hackers on me ( something I have sent numerous complaints to the CFPB on ) in effort to hinder my communication so that I am unable to get word out and expose their fraud. PHH Mortgage Services has violated my civil rights by preventing me from seeking and obtaining legal litigation against them for the fraud they did to me by having these hackers continuously remote in and intercept any communication through emails or other communicative methods I send out so that I can never get my day in court or justice for what they have done to me. If that werent enough. These hackers have actually came into my main XXXX email account I receive estatements on, set the time back to a certain date/time in the past, and then sent through statements they wanted to pull off as being the originals that were initially sent. The problem is, I already anticipated them doing this and planned well in advance by saving original statements and emails that I received from when I received the original statements, snapshots of how it initially looked to use as proof if anything at some point was changed, and numerous source docs, notices, etc. all to show as proof as to what originally happened to my mortgage account in case they try to cover up their fraud at any point, which they did, and try and pull off a set of statements that contradicts anything but the truth.
The kicker is, I didnt even need to do all that. Looking over these statements, this has got to be the sloppiest, most unbelievable, full of errors, way of covering up fraud ever and yet, they not only didnt cover it up to begin with ( Look at XX/XX/XXXX statement to see still is record of {$19000.00} overdraft PHH colluded with my bank, XXXX XXXX XXXX, to overdraft my account by $ XXXX that was then used as basis to strip my equity ), they missed some what they should have tried to cover up altogether ( misapplied trial period payments on XXXX, XXXX, XX/XX/XXXX statements ). PHH has added statements that were not there to begin with or were not sent to me initially since these months were missing with reason ( XXXX XXXX for instance when I was supposed to be off the books and out the door with auctioning of my house taking place a month prior but luckily pulled off the unthinkable where PHH was made to pull back and rescind the sale putting my mortgage back where rightfully belongs, in my hands ) as well has some months without details on statements ( RESPA violation ), followed by others that do, and then back to non detailed ones. These fraudulent statements that they have added after the fact, are so easy to pick out from the originals, its an absolute insult they would try and pass off these as original and even make me accept what no one in their right mind would. You dont even need to look at the actual statements! Just go to emails they sent the statements in to find the ones that no longer say were sent by PHH and look for when switched to say are now coming from XXXX XXXX, a company they supposedly tried to say I was transferred to during their big transfer of mortgage accounts that took place in XXXX XXXX ( snapshot of each included to see the difference ). Truth be told, I was never part of any transfer and PHH literally broke all RESPA transfer rules when they basically tossed me off to XXXX in late XXXX, well passed their date of big transfer of mortgage accounts.
No matter what though, whether you believe their set of statements or what I have that are the actual originals to what happened to my account during this time that not only shows the fraud done to me but exposes their whole scheme as well as the method they are using to fool homeowners into accepting the default to their home loan as their own fault when it was all staged to begin with, there is something their statements dont have and can not hide from or even explain. The actual notices of sales I had to go through that shows the dates my house was put up to be sold at auction in XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. All of these are attached and before I move forward, I want these officially documented and sent through the CFPB as proof that PHH is fraudulent and anything they put forth and send through to the CFPB on my account in the form of statements, notices, or any other source documents is fraudulent as well. Their statements dont show the truth because if they did they would account for the 3 auctions listed on the 3 attached notices of sales for my house that are attached. Simple as that.
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| 11/20/2017 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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I am faced with my third modification and/or appeal since XXXX 2017 with this Ocwen. This complaint is primarily about Ocwen Insurance Loss Dept. holding my money. I have filed complaint with youll, see, XXXX. Please read the following letter detailing my funds they have held for a year!!!
TO ALL IT MAY CONCERN : XXXX XXXX XXXX XXXX Loan # XXXX with Ocwen Loan Servicing , LLC address : XXXX XXXX XXXX XXXX , XXXX , Tx XXXX XXXX MY COMPLAINT : OCWEN LOAN SERVICING, INSURANCE LOSS DRAF DEPT XXXX REFUSING TO GIVE ME MY MONEY!!!!!!!!
If it were not Ocwen, I would not believe it is actually happening and likely you also. However, even for them this is hard to believe an organization can continue to operate with such unethical and immoral standards. I am starting with you 'll and hope and pray you can do something to police these criminals. I have written you about their horrific ways in handeling my mortgage during modification attempts and more but today I am sticking to the fact of MY insurance money they have in their possession and have had for over a YEAR! Yes, a year!!!!!!!!!!!
I filed an insurance claim on my roof over a year ago. My insurance company, XXXX XXXX took months but finally after the adjuster completed his report, sent me an initial check for {$3100.00} ( XXXX XXXX, on XXXX dollars ) made out to myself and Ocwen. OH BOYm OCWEN! I sent the check to Ocwen and a few months later they sent me a check back in the amount of {$770.00} ( XXXX XXXX, XXXX XXXX, XXXX XXXX dollars and XXXX cents ), about a fourth of the {$3100.00}, made payable to MYSELF and the contractor, at that time " XXXX XXXX, XXXX division, of XXXX, Tx ''. They said because my mortgage was late they would delay full payment. As that turned out, XXXX XXXX, XXXX division, supposedly of XXXX, Tx. owned by XXXX XXXX, were/are flat out crooks and I had not done my homework. They are rated " F '' ( just like Ocwen ) with the Better Business Bureau. I gave XXXX, the salesperson for XXXX the check ( To help get started ) and they cashed it and I never saw them again!!! I have notified the NEXTDOOR communities to beware of them and more. I advised Ocwen also and that I had to get another legitimate contractor, this time I would not give any money up front, no matter what.
Too shorten this, I loss another sibling and had to put one in hospice, this taking up months and I had already loss months trying to get my money back or the work done by the infamous crooks, XXXX XXXX! I had spoken with Ocwen Loss draft several times and advised I would be getting the work done. I got a call from them and middle early 2017 saying they were going to release the balance of my money! Ha! Never happened. Weeks later I called and was told my claim was being monitored? OK. I went on and to bring current, I finally got the worked scheduled by a contractor coming highly recommended, XXXX of " XXXX XXXX XXXX XXXX ''. They did an excellent job! I was so fortunate to get them, especially after getting an extension with the insurance company and also during XXXX aftermath of Hurricane XXXX. The work was completed, the inspection report was completed and all met requirements and the Ocwen site " InsuranceCheckClaims ''. Well, here comes they most unbelievable series of lies, deceit and must be unlawful XXXX that could only be at the hands of Ocwen. I have spoken with 15-20 reps there, some claiming to be supervisors and managers and assuring me they would get MY MONEY to me in haste.
Instead, they have asked me to send, fax or upload copies of certified email I should have sent to the first crooks, XXXX XXXX requesting my money back. I did! Then, stated they needed copies of the contract between myself and the new contractors, The XXXX XXXX XXXX, and other documents signed by them. All that was done!!!, months ago. Then they claimed they would have to get copies of my divorce decree and Quit Claim Deed, signed by my X spouse. THEY HAVE ALL THIS, INCLUDING A " SPECIAL WARRANTY DEED '' RECENTLY SIGNED BY HER. namely XXXX. This they were having trouble getting from Ocwen Loan Servicing to XXXX XXXX XXXX XXXX. Can you believe that! I uploaded the full 10 pages of my divorce decree to the site! Then I was told, and the last person I spoke with, a XXXX at XXXX direct, she would get my money out to me. Of course, that was last week and she no longer answers the phone. And MY MONEY IS STILL SITTING THERE.!!! I am just increasing my XXXX XXXX meds and afraid that the balance of the insurance claim, some {$9000.00} ( XXXX, XXXX dollars ) will take the blessing of the government to get handled properly. I CAN NOT BELIEVE THEY CAN DO THIS AND CONTINUE TO OPERATE!!!
I have names, dates, witnesses and have loss valuable time on a new job I recently started messing with these unsavory people at Ocwen. If Consumer Finance, The Texas Dept of Savings and Mortgage Lending, The Better Business Bureau and the Attorney General cant police them, who can? I am uploading a few of the screenshots, the documents listed and all the proof I can and will send you more to get something done about this. They have to be stopped and not allowed to batter people like this!!! Good heavens, I wake up each day, Ocwen heavy on my mind and it has affected by health and it just stinks!! I was out with some of the first responders after and during hurricane XXXX and almost lost my daughter and grandchildren, who lost all but their lives thank XXXX, and having to deal with an organization with and F rating at the BBB, a recent cease and desist order by the government I guess, and a history of lies,, deceit and covert operations is overwhelming to say the least. I was warned by several reputable firms, dealing with mortgage help with a houseful of attorneys that this is XXXX systematic way of taking homeowners ' properties, especially knowing I have a new roof. Now I really believe them.
Again, I have folders overloading my computer of stuff I have sent to Ocwen, everything they have ever requested and I still am being treated so terribly unjust and at XXXX years of age, it hurts. I am making this available to all who I think regulate this terrible operation and the social media and do hope and pray I will get relief. They have HAD MY MONEY FOR A YEAR!!!!!!!!!! Can you help me and help prevent them from doing this to others in the future?
Sincerely, XXXX XXXX XXXX, XXXX XXXX
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| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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As of XX/XX/XXXX, Here is the summary of my complaint against PHH Mortgage : I called PHH Mortgage early XXXX ( I think XX/XX/XXXX ) Forbearance requested due to financial hardship and approved for 3 months ( XXXX - XXXX ). I told them that my husband owns his own company and had been sick and in and out of the hospital. This affected a loss in business and we were struggling with paying our bills.
When I called the first of XXXX to confirm that the forbearance ended on XXXX XXXX, XXXX, the PHH rep said that it actually ends at the end of XXXX. He said that my first payment back would be in XXXX. That payment is a little over {$2100.00} ( a new payment for XXXX due to escrow shortage ). He said that I would need to call to make that payment over the phone and after that I can set up the draft again. I had requested that the 4 missed payments be placed at the end of the life of the loan. PHH rep said it was approved. He asked me if I had received a letter on that and I said no. He said I could call PHH back to give a verbal yes to the agreement or we could discuss on the phone right then. I decided to take care of at that moment on the phone. The PHH rep explained the agreement and I gave verbal consent. I confirmed that our monthly payment had not changed.
At the beginning of XXXX, I called PHH to make payment for XXXX. Now the PHH rep told that because the forbearance is not due to COVID then it would not be put at the life of the loan. All the recorded phone calls and call notes reflect that I stated reason for forbearance was due to financial hardship. PHH granted the approval for 4 month forbearance and the way the missed payments would be handled.
I called PHH on XX/XX/XXXX and spoke with a supervisor named XXXX ID : XXXX, to escalate the call to research dept. since my payment is due XX/XX/XXXX. The supervisor read through the past call notes on my account and agreed that PHH needed to honor the placement of putting the 4 mortgage payments during the forbearance to the end of the life of the loan and that everything I had told him he saw in the call notes.
I called PHH on XX/XX/XXXX to get update on account. Now the PHH rep transferred to an escalation manager who then transferred me to the Resolution Dept. This PHH rep in the resolution dept said that I had been approved for mortgage assistance of {$1000.00} to pay for the next six months starting XXXX and that I would not need to pay anything in XXXX. The rep said that this would get me back on track. However, I would place me further behind on my mortgage. I told the PHH rep that the PHH rep asked me if I wanted someone to look at our acct to see if our monthly payment could be lower and I said sure. I declined the mortgage assistance immediately on the call with the resolution dept rep. I asked if I could make my regular XXXX payment. He said no. I could make a payment but it would be applied to XXXX forbearance payment and I would still need to pay the other payments. The PHH rep asked to schedule an appmt with a relationship manager. He scheduled it for the next day, XX/XX/XXXX, at XXXX XXXX.
On XX/XX/XXXX, I did not receive a call at XXXX XXXX. When I called PHH at XXXX XXXX. They said that the call notes said they attempted call. They had called my husband 's cell in error instead of my cell number. Unfortunately, my husband did not receive a call or even missed a call at that time or anytime that day from PHH. By request, I was transferred to a supervisor. I was connected to XXXX whom I had spoken to before. He reviewed the call notes. He said that my case was still being reviewed in research dept.
On XX/XX/XXXX, my husband receives a call from PHH and passes the phone to me. We just happened to both be working from home that morning. The PHH mortgage rep was calling to confirm that I wanted to cancel the mortgage assistance plan. I had already been told back on XX/XX/XXXX that it was immediately cancelled when I spoke with the PHH rep in the resolution dept.
On XX/XX/XXXX, I called back to set up an appointment with a relationship manager. I learned from PHH that the relationship manager could not help me but just listen and take notes. So no appointment made since they could not help me. I explained to the PHH rep that my monthly mortgage payment is due this XXXX XX/XX/XXXX. I do not want to have me and my husband 's credit negatively affected by this. The PHH rep said that they do not report to the end of the month. This was not reassuring. The PHH rep also said that our case was still under review in research dept and wait til tommorrow. The PHH rep said that the research dept would mail me a letter on the decision but a decision was already made back in XXXX. This is chaotic and extremely stressful and it is hard to trust what the company says verbally and in writing because they change it at any given time.
Please review account. All previous paperwork, call notes and recorded calls all match but now PHH wants to change it. I have been bounced around from customer service to escalation dept to resolutions dept. The delay in researching this will affect my credit report in the XXXX payment not made in time. I have also emailed the research dept.
Every time I call PHH Mortgage, I am not able to speak with the same person and no one can assist. This is not a good example of relationship banking. We have had no other previous issues with this company until now.
My family and I are grateful we are able to get back on track and pay our mortgage. I just want to pay the XXXX payment. By the way, I received a letter in the mail on XX/XX/XXXX telling me that my mortgage payment would increase a few dollars due to a another shortage in my escrow. ( We had already received a letter notification in XXXX about an escrow shortage that would give our mortgage increase of about {$40.00} for next 6 months from {$2000.00} payment to a little over {$2100.00}. Nothing is lining up with the conversations on the phone verbally and the written communication from PHH. I would like for PHH to honor what they initially approved.
I would like to report these issues to higher leadership within PHH but again the communication is horrible in trying to reach someone at PHH for assistance. I have exhausted all measures to successfully resolve this on my own.
I appreciate your immediate attention.
Thank you.
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| 02/15/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX Complaining Party : XXXX XXXX as the Personal Representative of the XXXX XXXX XXXX XXXX XXXX XXXX : Ocwen Financial Corporation XXXX # XXXX and PHH Mortgage NMLS # XXXX Contacts at the Company that I have already emailed separate letters to on XXXX : Ocwen Financial Corporation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Attn : XXXX XXXX, President and CEO Attn : XXXX XXXX, Executive VP and CFO Attn : XXXX XXXX XXXX, Executive VP and General Counsel Attn : XXXX XXXX XXXX, Executive VP and Chief Servicing Officer XXXX XXXX Mortgage 1 Mortgage XXXX XXXX XXXX, NJ XXXX Attn : XXXX XXXX XXXX and CEO PHH Mortgage Corporation Loss Draft Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : PHH Loan XXXX Loan Skey XXXX Claim XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX : XXXX XXXX To Whom It May Concern : Please take this as a formal complaint against Ocwen Financial and PHH Mortgage XXXX I have been trying to get this loan paid off now since XX/XX/XXXX ( for 26 days now ), when I sent an insurance check I had received from Travelers Insurance which was made payable to the Estate of my Father, to myself ( the undersigned ) and to Reverse Mortgage ( the Note Holder PHH is the servicer ). We sent in the requisite paperwork which was received by the Loss Draft Department at PHH ( on XX/XX/XXXX ) along with the endorsed check for {$540000.00} The approximate loan payoff to PHH is {$440000.00}, so there is approximately {$100000.00} which would come back to me and my family after the PHH loan was paid off. We had been told that it would take between three and five business days to process the payoff.
The insurance check was the result of a tragic fire in XXXX Colorado on XX/XX/XXXX which saw over 1000 homes burn to the ground. Incidentally, President Biden toured the area the next week and the fire was declared to be a federal disaster. My fathers home burned down in that fire at XXXX XXXX XXXX in XXXX, Colorado. So, there was approximately {$100000.00} which would go back to my family after the loan was paid off we desperately need these funds.
I am the daughter of the borrower. His name was XXXX XXXX XXXX. He passed away in XX/XX/XXXX and I was appointed under Colorado law as the Personal Representative of the Estate. My family had the property under contract to sell when the tragic fire occurred.
As I said, we sent all the required paperwork and check in to the PHH Loss Draft Department by overnight service, which arrived and was signed for on XX/XX/XXXX. When we checked back ten days later, on XX/XX/XXXX we were told by the Loss Draft Department that they had not even processed the payoff and that it would be up to an additional 30 days until the payoff was processed. Further, we were told that we would not earn interest on the overage and that the underlying loan would remain accruing interest until the payoff was processed even though PHH had the payoff check in hand. We were not allowed to speak with a supervisor or anyone else that day.
As you can imagine, this was not acceptable news and it seemed that it would be 40 days until we would receive the balance of the funds and to have the loan paid off. That just didnt seem right or proper or fair, plus PHH was charging interest on the loan when it had the payoff funds in hand and was not allowing interest to be earned on the overage funds no matter how long it took for PHH to respond. So on XX/XX/XXXX, I called the Loss Draft Department at PHH again and got no answers or information which we could rely on. It was a big blank I dont know from everyone we spoke with. We asked to speak with supervisors and were told none were available. We insisted and were transferred to XXXX XXXX ( XXXX ) that day who told us he would be our point of contact and that he would personally reach out to his counterpart in the Loss Draft Department named XXXX XXXX. Now, eight days later, we have not heard back from XXXX XXXX or XXXX XXXX despite leaving two messages each successive day with XXXX XXXX voice mail. Last Friday XX/XX/XXXX, I sent emails with a letter and back up materials to ALL people listed in this complaint, even now, much to my despair, not ONE HAS RESPONDED.
This matter is hard enough without the cooperation from Ocwen or PHH. The house burned to the ground and we cant even get the loan paid off and get the balance of our funds back. We really need these funds from this tragic event. No one at PHH or Ocwen in any department is willing to take this on to get this resolved timely.
I have waited long enough, please take this letter as a formal complaint against Ocwen and PHH for their delays, for not paying the loan off timely when it had the funds, for still charging interest to the loan when it had the payoff funds, for not allowing the approximately {$100000.00} to earh interest in this interim and to act negligently slowly in responding and processing this payoff. This matter has been at PHH now for 26 days with no response or action taken, this is unacceptable in any situation, but really unacceptable when this is the result of a tragic fire.
Here is what I request please : -A person ( one person ) who will be our contact until the loan is paid off and will answer the phone when called or call us back and that we can reach by email who will timely respond back to us.
-Immediate payoff of the loan in its entirety with a copy of the paid note and release of deed of trust sent to us as well immediately.
-The payoff of the Reverse Mortgage loan to be dated as of XX/XX/XXXX, with interest stopping to accrue on the loan as of that date. This was the date PHH received the funds for the payoff.
-The balance of the funds from the insurance check, with interest at a reasonable rate ( approximately {$100000.00} ) sent by overnight mail to the address below, with us being provided the tracking number also.
We request that in a check which is sent back to us immediately made payable to The Estate of XXXX XXXX and XXXX XXXX. PLEASE DO NOT MAIL THE CHECK BACK TO THE PROPERTY, THERE IS NO MAIL SERVICE THERE SINCE THE HOUSE BURNED DOWN. The address for mailing that check back to me is as follows please : Estate of XXXX XXXX XXXX XXXX, Personal Representative XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Very truly yours, Estate of XXXX XXXX.
By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This case is being handled by XXXX XXXX XXXX XXXX in XXXX, NJ DOCKET NO. XXXX XXXX XXXX XXXX XXXX XXXX SOLELY AS TRUSTEE FOR XXXX XXXX XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX, Plaintiff/Mortgagee vs.
XXXX XXXX, ET AL., Defendant ( s ) /Mortgagor ( s ) They are in the process of foreclosing my home. This is a toxic loan and has had several items that have gone wrong.
We have now received a document from this firm regarding an un recorded Adjustable Rate Rider that will be presented to Honorable XXXX XXXX XXXX, XXXX. Ch. on XX/XX/XXXX.
I believe that : a 'mortgage ', 'deed of trust ', or 'promissory note ' is a contract. A 'rider ', 'modification agreement ', or 'allonge ' is an amendment to a contract. the contract document must be recorded in order to have the legal effect, any or all amendments would have to be recorded in the same manner for the same reason.
We should demand the Court to dismiss the foreclosure action because the Note ( was lost/and they replaced it with a loss note affidavit ), the adjustable rate rider was never recorder, therefore, I believe that this foreclosure proceeding can not be instituted upon forged or missing documents.
The aforementioned documentsclearly false, made up, and materially altered to look genuinesuggest forgery, and equitable relief is not available to a party with unclean hands. We should request the judge to order stay the sale and dismiss the action stated, I believe this should be our defense to the foreclosure. This court can not deny the motion without a hearing. The judge should vacate the order and remand for a hearing.
I had submitted numerous packages to GMAC, Ocwen, I have made trial payments and my modification was never approved. I have done and complied with all the requirements of the mediation, still the bank came back and said that I did not qualify for a mediation, that they could not offer me a program, but yet, the documentation was not even clear, in order or legit to begin with. How could they even start a foreclosure action against me without having the paper work that allows the lender to do so?
The adjustable rate does not list the MIN # or the Loan # ( it has been whited out ) it was signed on XX/XX/XXXX and was never recorded? Is this foreclosure enforceable?
The rider does not have XXXX XXXX 's signature ( This document lacks notary public seal and signature and it was not signed by XXXX XXXX. Again, there is no witness listed in the adjustable rate rider ) The lost not affidavit was clearly tampered with, again, the Loan # is missing ( it has been whited out ) Loan # should be '' XXXX ( dated XX/XX/XXXX ) ( as listed on the lost note affidavit ) and it states on item 3 that " such note was never released, paid off, satisfied, assigned, or misfiled by XXXX XXXX XXXX XXXX XXXX XXXX '' executed on XX/XX/XXXX, XXXX by XXXX XXXX on behalf of XXXX XXXX.
Mortgage recorded on XX/XX/XXXX fails to list the MIN # and it shows that this mortgage was assigned at least twice before. This mortgage is dated XX/XX/XXXX. Page 12 lists XXXX XXXX as the Notary Public that performed the closing. This document has both XXXX XXXX and XXXX XXXX 's signature.
The assignment of mortgage recorder on XX/XX/XXXX recorded on book 14464 pg 189 from XXXX/XXXX to GMAC. XXXX XXXX certifies as of XX/XX/XXXX as officers, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ( from XXXX XXXX XXXX XXXX XXXX ) They assigned a note with unrecorded documents at the time of the assignment.
XXXX, XXXX, and XXXX signed documents on behalf of XXXX, did they have the right to assign documents in that capacity? or assign the lien on our mortgage?
was the lien from our mortgage registered on the XXXX system at anytime?
Was the lien of our mortgage registered on the XXXX system on the date this law firm assigned the lien of the mortgage note to the plaintiff?
we need to know : What is the relationship between XXXX XXXX client_______ and us? Is the client the servicing agent for the plaintiff? so in fact they do not represent the plaintiff in this case except through its servicing agent? So, except by virtude of representing the servicing agent, they do not formally represent the plaintiff. Do they represent XXXX XXXX? if so we need a copy of a written retainer agreement XXXX XXXX XXXXXXXX This case has been in the hands of XXXX, XXXX, and XXXX - XXXX, NJ followed by XXXX XXXX - XXXX, NJ XX/XX/XXXX Assignment from XXXX to GMAC XX/XX/XXXX Assignment from GMAC to Ocwen XX/XX/XXXX Assignment from Ocwen to XXXX XXXX XXXX Trust Company All of these assignments and transfers were done without a properly recorded rider and with a " lost note affidavit ''.
Please let help me save my home. The case is being handled by my Lawyers, XXXX XXXX XXXX XXXX in XXXX, NJ. There are so many irregularities with this loan documentation and mistakes made by the servicing agents that makes me afraid for loosing my home.
We filed for bankruptcy protection and was discharged in XXXX. The bank abandoned these property. I have been harrassed by these lawfirm and they have threatened to foreclose us although they do not have the proper documentation. This has to stop, I feel harrassed, have lost sleep over this ongoing situation that started in XXXX of XXXX. Is there a statue of limitation? I can not understand how this is even possible. I feel as if along the way these loan servicers have made up documents to protect themselves. I have contacted OCWEN to get information about mortgage insurance as we had flood issues in the house, mold is growing in our walls, we had a roof leak, water damage and the servicer refereed me to my lawyer and did not provide me with the insurance company information nor the tel # or policy number to open a claim.
I had made trial payments - my documents for modification were never approved ( back in XXXX I applied for a mediation program - we were on mediation this past year for over the course of a year. I complied with all their requirements and the bank said that there was no available program for us. that we do not qualify for any of their program.
Now they give me documents that clearly states that they do not have a recorded Adjustable Rate Rider? How where they able to start a foreclosure without proper documentation? Please help
|
| 06/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have filed this complaint 3 times now. with the CFPB. All I get is a standard letter full of more lies from Ocwen. We were told on numerous occasions that our past due taxes would be included in our payment and it said it in our modification paperwork that we signed. On SEVERAL occasions an Ocwen representative told us that our modification would include our past taxes. Well they LIED. If we were told the truth we would of negotiated it differently. I believe that is a violation of UDAAP. I specifically said that " I was glad that the past taxes would be included as we could not afford to pay them in addition to the new modified loan payment. '' They have that recorded message also. Our modification papers that we signed said that the new principal balance includes all amounts and arrearages that are past due. The everyday American would believe that include their taxes if they are past due ESPECIALLY when the lender has assured and reassured them ( us ) that it did. But they are crooks and apparently crooks can get away with what ever they like. Oh, and the debt forgiveness, we were told was supposed to be a specific amount each year for 3 years. That was an other lie. They violated the law and nailed us with the entire amount all in one year. I will be alerting the IRS about that as well. If you cant believe what your lender tells you and puts in writing then there is a problem. So were are CC'ing our congressmen and women starting with XXXX XXXX asking them for help and to pass a law to STOP lenders with violating the law. I 'm tired of Ocwen paying their way out of being held responsible. They need to be held responsible to their customers.
Ocwen is in violation of UDAAP-Unfair Deceptive Abusive Acts & Practices. They bought our loan and reassured us a number or times that our past taxes would be included in the new modified loan amount. They also went as far to say that the only way the payment would go up was if our property taxes went up. We have a 23 year fixed loan on a Shared Loan Modification plan with Ocwen. For the first year our payment stayed the same as it should because its a fixed loan. The following 3+ years our payment went up more than {$850.00} a month. Upon further investigation we found that a ) they were charging us for taxes that were previously collected by our prior lender thus double dipping, & b ) they are also charging us for taxes that they told us several times would be included in the new loan amount, we have proof.
This has caused us substantial monetary injury due to this unfair practice. Ocwen has notified us ( we have proof ) that it will continue to go up, thus eventually forcing us out of our home which we believe was their end game to begin with. We could not avoid this injury since the material information about the pricing was modified and or withheld after we committed to the purchasing of the product therefore unable to avoid the injury.
Ocwen also charged us for 18 property inspections totalling {$180.00} and 6 valuations totalling {$650.00} for a grand total of {$840.00}. An Ocwen representative sent us the paperwork with all of this information on it when we complained about not receiving a copy of our appraisal for over a year. We had to file a complaint with the CFPB in 2015 to legally get a copy of our appraisal from Ocwen. Upon further investigation of the Ocwen sent document we noticed that they applied our first 3 mortgage payments but then reversed the last payment as if they never received it. So it appears as if we only made 2 payments when we made three. This amount is {$3600.00}. Since I started this letter Ocwen has credited us for the misplaced payment but still owes us lates fees and interest they charged us for the four years that THEY lost our payment and want this money back! OCWEN told us that they would open a ticket and look into this that was 60 days ago with no further contact. At the time this was going on Ocwen was being sued in Federal Court. We found this out after the fact or we would of put in a claim for fraudulent fee charges.
To rectify this matter this is what needs to happen. Ocwen will refund us for the following in the form of a check 1. ) {$180.00} -- for the XXXX inspections XXXX -- for the XXXX evaluations -- totaling & XXXX . We want a check issued to us. They have charged us more than this on a monthly bassi on a fixed loan for the last 3 years considering they have fraudulently increased our payment now {$850.00} a MONTH! We work hard for our money and want it back 2. ) Regarding the misapplied mtg. amt. of {$3600.00} that was just applied to our loan.- and was lost for 4 years we want all late fees and interest that we paid on an inaccurate balance credited back to us. We more interest for 4 years on a payment they lost. We want detailed notarized proof.
3. ) Regarding property taxes ; we had an escrow account with our past lender and now Ocwen is telling us we owe them for those taxes. That is double dipping and illegal but they are doing it knowing that the only option we have is to pay it or go back into Foreclosure which is their end game we believe. There are also past taxes that we were assured several times from Ocwen that would be included in the new loan, their paperwork even says this and they are hitting us for those as well. By our accounting and a third party would need to check this. They owe us {$14000.00} approx.
Grand total {$16000.00} and we want a refund To all congressmen and women reading this. We have a suggestion. Since Ocwen does n't mind being fined millions of dollars I propose the following ; have the public police them. Every time one of their customers finds an error that Ocwen has to pay it back 10 fold ( ten times the offense ) to the borrower up to a certain dollar amount and after that dollar amount Ocwen needs to pay off the loan on the home ( not showing it as a write off that would negatively affect the owner ) thus buying the borrower their home. Maybe, just maybe if their millions of borrowers were watching their every move they would conduct their business legally esp. if they ran the risk of loosing the notes by paying them off in the borrowers behalf. I know it sounds crazy but considering their track record its not really that crazy.
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| 06/06/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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We purchased our home in XX/XX/XXXX through an FHA loan from GMAC Mortgage. Sometime during the next couple of years, Ocwen Loan Servicing, LLC. Since XX/XX/XXXX, I have been a XXXX XXXX XXXX for XXXX XXXX XXXX and like XXXX, we work 10 months out of the year. During XX/XX/XXXX, XX/XX/XXXX and early XX/XX/XXXX, I have little to no work. My wife and I have XXXX kids, 1 vehicle in which we share, so my search for work during the summer ( even PT ) has been very difficult, because not only do I live in a small town, but no one hires someone who is wanting to work temporarily during the summer who will not stay on when the school year starts. I make decent money during the months between XX/XX/XXXX and XX/XX/XXXX, so paying bills is not really an issue during this time.
Last summer, we fell two months behind ( XX/XX/XXXX, XX/XX/XXXX ) because of the summer and in addition, we were hit by XXXX XXXX in XX/XX/XXXX. The hurricane did some major damage in our area, being considered by the state as a " disaster area ''. We had two rooms that were flooded by torrential water and we had to spend what little money we had to try and get that cleaned up and make our home livable. We contacted Ocwen Loan Servicing, LLC immediately to let them know of our situation. They said that we could have a forbearance on our account, which would push off payments until XX/XX/XXXX. Our account would still be two months behind and we would be required to pay {$900.00} and change in the mortgage over a period of 6 months. I told them up front that we would not be able to make those payments, because were still attempting to stay afloat after having the summer off and catching up on everything. The agent at Ocwen told us we could apply for a loan modification on our account on XX/XX/XXXX, which we did.
We had gotten a loan modification on the account in XX/XX/XXXX and though Ocwen was able to push back the past due to the end of the loan, it was still not solving the summer issue. I made this clear to them several times and though I did this, I think there may have been a language barrier a bit, because most of the time when I would call ( I would say 9 times out of 10 ), I was talking to someone in XXXX. Despite the request to speak to someone in the states who spoke clear and comprehensible English, I was often met with mild hostility on the other end. That modification took Ocwen several months to do because even though I would send in all required documentation, they kept coming back saying they need more, then I would send those and still they needed more. That XX/XX/XXXX modification took over four months to complete. The process was a nightmare for us.
Fast forward to XX/XX/XXXX. I fill out the modification application again and send ALL required documentation in. Over the next 6 months, yes SIX MONTHS, I would get mail from Ocwen telling me they needed additional information. I would send the additional information, sometimes even updating pay stubs along the way. I would say over that time, I had sent close to 12 emails with additionally requested information. I kept in contact with Ocwen every week asking for updates. They kept referring to the " underwriters '' as to the ones who make the decisions and request for additional documentation, but after requesting to speak to someone in their underwriting department, they refused, telling me that " they do not speak to customers ''. My issue at the time and during the whole process was when I would send in more documentation was, it would take them 2 weeks at a time to let me know if they had received everything and if the information they received was okay. Every time I would call in or they would call me THERE WAS ALWAYS SOMETHING ELSE THEY NEEDED!!! They dragged this out for six months even after keeping up with them on a weekly basis and still have to break through the communication barrier of having to talk to agents from XXXX/XXXX.
Finally, in early XX/XX/XXXX, I received a call from Ocwen letting me know that the underwriters had everything they needed in order to process the loan modification. Then I got a letter from Ocwen around XX/XX/XXXX that was dated XX/XX/XXXX saying that the loan modification was " denied ''. The reason? " The owner/and or insurer of your loan allows only one modification every 24 months '' The owner of my loan according to the letter is ... " Ocwen Loan Servicing, LLC ''.????
I immediately called Ocwen and let them know how upset I was that not only did they deny the request, but the reason given and the fact that Ocwen owns our loan - they would have KNOWN up front in XX/XX/XXXX when we applied for the loan modification that we had gotten one in XX/XX/XXXX. Had we KNOWN this in XX/XX/XXXX, we could have looked at other options, such as borrowing from family or something. At NO time during this process did they EVER mention we would not even be able to apply for a loan modification because we had gotten one in the past 24 months. When I asked the agent this, they couldn't tell me why and I even offered to make an immediate payment and they said they could not accept anything other than the {$8000.00} due on our account for reinstatement.????
My wife and I extremely upset because we have been in contact with Ocwen Loan Servicing, LLC EVERY SINGLE WEEK FOR MONTHS!!! Now we are in a position to where we may lose our home and leave us and our XXXX children ( XXXX of which are XXXX XXXX ) on the street without a home because Ocwen Loan Servicing, LLC deliberately kept information from us and now they are leaving us with only three choices. Foreclosure, Deed-in-Lieu or Short Sale. How is that fair to us? We have done everything they have asked us and I feel they deceived and kept things from us and dragged out a process to a point in which we no longer have a choice. We don't have money to hire an attorney to fight this and I am just upset because because of their deceit, we stand chance to lose our home.
We have researched Ocwen Loan Servicing, LLC and apparently we are not the only homeowners that have or are dealing with this issue with them. Apparently thousands of others are dealing with these similar kinds of shady and deceitful practices by Ocwen.
Hoping this complaint can help because we honestly don't have any other options.
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| 11/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am XXXX years old and my wife is XXXX. The mortgage on our former home is in her name. A little less than ten months ago on XX/XX/XXXX, our XXXX-year-old son XXXX XXXX and suddenly in this house. Living there without him and with all the memories of him was like XXXX on earth. ( See hardship letter attached ). We had to get out of there as quickly as possible.
Since our property was and is under water- the pay -off quote on our mortgage as of XX/XX/XXXX is {>= $1,000,000} ( document attached ) and the appraised market value of the property as of XX/XX/XXXX is XXXX XXXX ( document attached ) the only ways to free us from the property were and are through a short-sale, a deed in lieu of foreclosure or foreclosure.
Neither of us had the strength or the ability to go through the arduous and timeless process necessary to complete a short-sale and an even longer and drawn-out foreclosure process seemed untenable for both us and the lender, so we believed and believe that our only option is and was to pursue a deed in lieu of foreclosure.
After my sons XXXX and a two -week grieving period, we began the procedures to apply to the for a deed in lieu and simultaneously to apply to the IRS for a discharge of a tax lien on the property which we knew would be necessary for the deed in lieu.
In applying for the deed in lieu we informed the lender that we would cease paying the monthly mortgage since we would soon be transferring the property to the lender and we were planning to move to XXXX to be close to my remaining son and his family. The cessation of these payments was necessary to replace the income lost because I had to wo give up my job and the fact that my wife is no longer XXXX, XXXX and XXXX capable of carrying out her duties and responsibilities in her capacity as a XXXX XXXX XXXX XXXX.
At the time the lender seemed quite understanding of this situation and amenable to pursuing the deed in lieu process with us. After some back and forth between us, the lender and the attorney we engaged to help us with the IRS in terms of the discharge of the tax lien on the property, we received a 30-day conditional approval for a deed in lieu offer on XX/XX/XXXX ( document attached ).
As we knew, Final approval would be subject to satisfactory completion of the following items : An independent valuation of the property may be completed to determine fair market value of the property. A clear property title ( i.e. no other claims or liens are attached to your property, also known as subordinate liens ). Approval from the investor or mortgage insurer of your loan to proceed with the transaction, if applicable.
In XX/XX/XXXX, we submitted to the lender and they accepted a County Assessment of the propertys value and an independent appraisal of the propertys market value as meeting the first condition for a final approval of the deed in lieu offer. On XX/XX/XXXX we received a renewed 30-day conditional approval for a deed in lieu offer from the lender ( document attached ).
It was not until XX/XX/XXXX, after providing supplemental information to the IRS, including a second independent property appraisal referenced above, that the Service provided us with a 30- day Conditional Commitment to Discharge the Property from a Federal Tax Lien . Of course, this Discharge is subject to verification that the bank or lender has taken title to the property. At this point, the lender in the form of a relationship manager and various deed in lieu department staff, informed our attorney that our request including a Hardship Letter and the IRS conditional commitment had been forwarded to their underwriter for approval and that it should be processed in a few days.
For the next twenty-five days, we and our lawyer had continuous communication with the lender as to the status of our request with no clear explanation as to why it was being held up other than comments from one or two staff members that a deed in lieu would never be approved if there was lien on the property. We continued to explain that in its conditional approval to discharge the lien, the IRS was committing to remove the lien once the lender took possession of the deed.
Finally, at the end of XXXX, because we had gotten indication through our lawyer that the lenders approval of the deed in lieu was imminent and because living in the house had become unbearable for us, especially my wife who emotionally at the end of her rope, we cleaned out the house, packed up and drove across country to XXXX. Before we embarked on our trip, I notified the lender that we were vacating the house but would continue paying the electricity temporarily. The lender said they would secure, winterize and make sure the property was insured. Unfortunately, it was not until nine days after we left XXXX XXXX that the lender secured the property.
The IRS 30 -day conditional commitment to discharge the lien ran out on XX/XX/XXXX and by the end of the month there was still no approval of a Deed in Lieu from the lender. Our attorney at the time told us that there was nothing more he could do to get the lender to respond and we were forced to hire another attorney. This attorney was successful in getting the IRS to renew their 30-day conditional commitment to discharge the lien on XX/XX/XXXX ( Document Attached ) but unsuccessful in getting the lender to respond or address our situation in any meaningful way. This lack of responsiveness and failure to resolve this matter on the part of the lender has gone on far too long and represents a tremendous and unnecessary additional burden on my wife and I as we continue with my sons loss.
The house in XXXX XXXX remains vacant and at risk of storm damage and vandalism especially during the winter months. My wife feels she still has responsibility for the house because her name is on the mortgage and her worrying increases with every day that the lender does take the deed to the property. In our present economic state, we are never going to be able to the mortgage payments much less make up the arrears. We will never contend foreclosure procedures but why should we or the lender endure this lengthy process and continuing expenses when we are willing to turn the property over to the lender immediately. We dont know where else to turn. We need your help.
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| 07/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
|
Hi Again:
I just spoke with the research department. Agent ID is XXXX XXXX XXXX she said she was unable to handle loan because it was in the United States. Reiterated my Loan Number is XXXX XXXX XXXX for the property at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC XXXX
XXXX won't answer why she can't access South Carolina mortgages or discuss any information given that OCWEN does most of its mortgages in the U.S. She confirmed that she has all information necessary to fix the problem - loan number - address - and my SSN but did nothing to remedy the problem. Her Supervisor is XXXX XXXX - Agent ID XXXX.
She tried to send me to U.S. Customer Service and said they might send me to the escalation department. I noted that I'd just spoken with customer service and they had sent me to her in OCWEN research. She then admitted she is both in research and in in escalations. So she was trying to send me in a circle back to customer service and then back to her in escalations. She then said she would send me to a manager in U.S. Escalations.
The entire process was very annoying and appeared deliberately designed to annoy - from the first call to the ear-piercing and annoying music - at least 10 decibels higher than the actual volume of the conversation.
Once transferred to Escalations Manager - XXXX - Agent ID XXXX. XXXX cut me off - admitted had all information and refused to assist in any way. Refused to open any research request or to help in any way. Advised me to contact the research department that had just transferred me to her - again - running me in a circle. Appeared the entire process was geared to obstruct.
OCWEN remains the worst customer service I've yet experienced. My loan was sold to them by another mortgage company. The type of unconscionable conduct needs to be addressed. It is precisely this type of deliberate obstruction that resulted in prior lawsuits against OCWEN.
Thank you.
XXXX XXXX XXXX
On Wed, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote:
Dear Representative:
I just spoke with OCWEN Agent # XXXX XXXX - Ocwen Customer Care regarding the OCWEN settlement. He claimed he was unable to find my loan # XXXX XXXX XXXX which was opened in XX/XX/XXXX and closed in XX/XX/XXXX.
He made no effort to locate my loan Loan Number XXXX XXXX XXXX
for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
He instead said I should contact the research department at the below address. He seemed more intent on obstruction of the process than on helping anyone. Pretty much what I'd expect from OCWEN and precisely why your company was sued in the first place.
Please help me apply for my OCWEN settlement and any benefits to which I may be thereunder entitled.
Fax: XXXX XXXX XXXX
Ocwen Loan Servicing LLC
Attn Research Department
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
XXXX
Perhaps if you'd act with some integrity and try to help people per the class action, you would not be sued as often for obstruction.
Regards,
XXXX XXXX XXXX.
XXXX
---------- Forwarded message ----------
From: consumerrelief
Date: Wed, XX/XX/XXXX at XXXX XXXX
Subject: Auto response
To: XXXX XXXX
Greetings,
Ocwen Loan Servicing, LLC (Ocwen) has received your email regarding your inquiry about the settlement relief.
You may be potentially eligible if your home mortgage loan was foreclosed by Ocwen Loan Servicing, Litton Loan Servicing or Homeward Residential anytime between XX/XX/XXXX and XX/XX/XXXX. If you are potentially eligible, you will receive in the mail a notice and a form that needs to be filled out and returned to the fund administrator to confirm your eligibility and payment amount.
Ocwen will not be administering the fund or determining the eligibility. The settling regulators will be appointing a settlement administrator to reach out to the potentially impacted borrowers to determine their eligibility in participation of funds.
The government settlement agreement must first be approved by the federal court in XXXX DC before the consumer relief fund is established. A fund administrator must also be selected. All of this could take several weeks.
Should you have a home mortgage loan presently being serviced by Ocwen, Ocwen is more than willing to take a fresh look at your loan situation if circumstances have changed. The settlement agreement doesnt change who may or may not be eligible for a modification. Any principal forgiveness or alternate loan modification, if offered, is based on many items, including Ocwen' s servicing guidelines, the borrower's financial status and the status of the loan. As much as Ocwen would like to assist every customer, Ocwen may not always be able to modify a loan, or offer a modification with terms requested. Not all loans qualify for a modification. Please call Ocwen at XXXX if you are interested in looking into a modification, or a re-modification of your existing terms.
Thank you.
Ocwen Loan Servicing, LLC.
XXXX
This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law. Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption. If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party. While Ocwen Financial Corporation and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof
********************************************************************************************
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| 06/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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Greetings CFPB, hoping your office can assist in getting resolution of getting my owed escrow balance and lien release for my mortgage from PHH Mortgage.
I have paid my mortgage off back on XX/XX/XXXX with PHH via cashiers check. I was expecting that once my mortgage was paid in full that PHH Mortgage would promptly send me a check for my escrow balance of {$2100.00} and the lien release for my mortgage in a timely manner. Expecting that there could be some wait times to the process I went ahead and paid my county property taxes that were due on XX/XX/XXXX via personal check dated XX/XX/XXXX.
On XX/XX/XXXX I received a partial escrow payment of {$340.00} from PHH Mortgage Services dated XX/XX/XXXX. I immediately reached out to PHH Mortgage Services to inquire on my remaining balance of {$1800.00} and was advised that this was the correct amount as they had paid my property taxes on XX/XX/XXXX. I was very surprised to learn that PHH Mortgage Services was sending my money out after the Mortgage was satisfied. I had already paid my XXXX XXXX property tax bill directly to the county. This payment was made prior to PHH Mortgage dispersing from the escrow account on XX/XX/XXXX via electronic wire transfer thru XXXX to XXXX XXXX.
I was advised that I would have to provide proof of payment and send it to XXXX to get a refund from PHH Mortgage.
I contacted the XXXX XXXX property tax department on XX/XX/XXXX and spoke with a XXXX XXXX. She advised that my personal payment was received on XX/XX/XXXX and credited to my account. On XX/XX/XXXX XXXX XXXX received a wire transfer from XXXX on behalf of PHH Mortgage Services in the amount of {$1800.00} She indicated that they had already returned the money to XXXX XXXX on XX/XX/XXXX via check XXXX as part of a larger payment totaling {$170000.00}. She also provided me documentation of crediting of the payments which I promptly emailed back to PHH Mortgage on XX/XX/XXXX.
On XX/XX/XXXX I received a response back via email from XXXX advising the following, We have received the tax payment receipt attached to your email on XX/XX/XXXX. Please be advised the due taxes were paid on XX/XX/XXXX and the loan was paid off on XX/XX/XXXX. We will get in touch with XXXX regarding the refund and once we receive the payment from XXXX it will be sent back to you. The date ( s ) given regarding payoff and dispersement by PHH Mortgage are not accurate. XXXX is the wire transfer service that PHH mortgage uses to transfer funds to property tax departments.
I waited until XX/XX/XXXX to follow up on why my refund has not yet been received. I called PHH Home Mortgage and spoke with a XXXX but my call was then escalated to a XXXX, id XXXX as there was no history of a refund being in the works to me. She said she would follow up with their escrow department and get back to me. Advised I want the refund overnighted to me.
On XX/XX/XXXX I received a VM from XXXX. I returned the call but got voice mail and was transferred to XXXX, ID XXXX. According to his notes there was still no record of a payment having been received from XXXX XXXX. I insisted that PHH Mortgage get on the phone with XXXX XXXX to track down the money that they sent out incorrectly to the XXXX XXXX tax department as my money seems to have disappeared and I am not getting assistance from PHH Mortgage in correcting their error. Advised XXXX I want the refund overnighted to me.
On XX/XX/XXXX I had to call and speak with XXXX, ID XXXX as I had not received any further contact from PHH Mortgage. She indicated at that time that the money was just received on XX/XX/XXXX. The refund was being processed and she would return a call to me with a tracking number when payment was issued.
On XX/XX/XXXX I still had not received any call back from XXXX, ID XXXX. I called her and she indicated that I would have to wait another 10 days before a payment could be issued but gave me no date of when payment would be sent. Advised that was not acceptable and asked to talk to her manager. She indicated that no managers are available and that she would have to take a message and get a manager to call me back and it may take XXXX hours for contact. I was advised by XXXX I could look at the mortgage portal to see the funds were received on XX/XX/XXXX. Advised no I cant, as once you pay your loan in full PHH Mortgage revokes your access to all payment history and activity.
As of XX/XX/XXXX no call backs have been received from PHH Mortgage on the status of my owed escrow balance of {$1800.00} I reached back out to XXXX XXXX at the XXXX XXXX Property tax department to see if she could tell me when the refund payment was cashed by XXXX. She advised according to their records the payment was sent via check XXXX on XX/XX/XXXX and was part of a larger combined refund for {$170000.00} and was cashed by XXXX on XX/XX/XXXX.
This is very disturbing to me to know that PHH Mortgage and/or their representatives have held my money since XX/XX/XXXX and will still not issue me a payment for my {$1800.00} escrow balance.
I am now at the two-month mark of having my mortgage paid in full and still have yet to get my title release from PHH mortgage.
My complaint against PHH Mortgage as is follows : XXXX. Dispersing escrow funds by PHH Mortgage should not be occurring after the loan is paid in full. Once final payment is received, they must stop dispersing money from the escrow account or stop anything they have in process. PHH Mortgage overstepped their authority by making payments out of the escrow account via wire transfer on XX/XX/XXXX.
XXXX. PHH Mortgage must provide an immediate refund to me via overnight mail of the escrow balance of {$1800.00}. PHH Mortgage and/or their representatives have no legal right to delay refund any longer as they have been in possession of my funds since XX/XX/XXXX.
XXXX. PHH Mortgage must process my lien release for my mortgage immediately and deliver me the release.
XXXX. PHH Mortgage should not be allowed to revoke/hide your past payment history and activity on their online portal once you pay off your loan. This tactic does not allow a user such as myself to see what my escrow balance is or other payment activities on the account.
Thank you for your assistance in this very frustrating matter.
|
| 06/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American |
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My grievances are with PHH Mortgage Services and XXXX XXXX XXXX XXXX. My conventional loan is serviced by PHH Mortgage Services and is privately backed by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Grievances are the following : ( All by Servicer and Owner ) : Miscommunication ; lack of interest ; no special programs ; restrictions ; no return calls or calls being disconnected ; misleading information ; mistrust and unfair treatment.
I have been in my home since XXXX. I am being treated unfairly by PHH and XXXX. I have been in forbearance since XX/XX/XXXX because I had no other choice. I have been ready to depart from my forbearance for several months, but PHH and XXXX are not allowing me to participate in any additional programs to save my house other than forbearance, deed in lieu or short sale. PHH/XXXX will not allow me to modify since I have been given 3 lifelines in the past. The last modification on my house was over seven years ago. PHH has never modified a loan for me.
I lost additional income due to the COVID virus. I was also hospitalized with COVID on XXXX XXXX and was very sick for several months. I have not been able to return to work.
Communications with PHH have been broken, extremely irritating and emotional. On XXXX XXXX, XXXX, my state representative sent a letter of inquiry on my behalf to XXXX XXXX XXXX. XXXX XXXX wanted to assist, but had to forward the letter to XXXX which XXXX forwarded to PHH 's Office of Ombudsman, ( see the attached letter from the ombudsman 's office ). The letter is a replica of responses that I keep getting from my loan modification denials. The ombudsman suggested that I maintain contact with my relationship manager which I have been doing. Also, the letter suggested that before the end of my forbearance ( s ) PHH would contact me to discuss all available mortgage assistance options for repayment of the deferred payments, which may include a repayment plan, a payment deferral, or other loss mitigation options. Since then, I have been in forbearance as PHH was offering no other programs to assist me. ( I am not interested in a deed-in-lieu or short sale as I believe PHH would not honor either ). I'm ready to leave forbearance and start making my regular house payments. I've been telling this to PHH for months now, but once again, and as always, I have been told to apply for a loan modification even though PHH knows that my modification request will be denied. On XX/XX/XXXX, I contacted PHH to check on any new developments/programs that I could participate in. The representative that I was speaking to suggested that I apply for a loan modification. She spoke to her supervisor who told her to help me apply for a deferment without modification. I asked if the deferment was only allowed for government backed loans and she said she didn't know and to apply for it anyway. She helped me process the application and she informed me that it would take 10 days for a reply and I would receive a reply back via email. On XX/XX/XXXX, I had received no emails from PHH. Once again, I contacted PHH during the week of XX/XX/XXXX to check on my status of my application. The representative was not able to find any information about my application. I explained to the representative that another representative helped me apply by phone. The representative told me she would forward an email of inquiry and that it would probably take a few days for a reply. On XX/XX/XXXX, I had not heard back from PHH. So, again, I contacted PHH to check on the status of my application. The representative could not find any information about my application, so the representative placed me on hold so he could make an inquiry. After a few minutes of hold time, he came back on the line and told me that my application was not eligible at the time for a deferment without modification. I asked him what were the requirements for eligibility and he said he did not know. I asked him how did the program worked, and he said he did not know. I told him that my forbearance was ending soon and I was very worried. Once again, a loan modification was suggested. I was told to check back to see if any new developments were in place to help me save my house. I had no choice but to accept forbearance. On XX/XX/XXXX, I contacted PHH to check on any new developments. Nothing! I was told to apply for a loan modification, again. The representative offered me an appointment to speak to my new relationship manager. An appointment for XX/XX/XXXX at XXXX XXXX was set up. I received an email from PHH confirming my appointment for XX/XX/XXXX at XXXX XXXX. I made no changes to the appointment as I wanted to speak to the relationship manager. On XX/XX/XXXX, the relationship manager failed to keep the appointment! On XX/XX/XXXX, around XXXX XXXX., I received a call from PHH, but the call was not connected when I answered. I since then learned that PHHs phones were down on XX/XX/XXXX and that is the reason the relationship manager did not call. However, there was no excuse for the missed call on XX/XX/XXXX. The relationship manager did not try to call back. I recently missed another call from the relationship department, but no voicemail was left.
On XX/XX/XXXX, I returned PHHs phone call. I asked about the deferred payment without modification and was told that program did not exist. I was told in XXXX to apply for the same program. Miscommunication is one of PHHs most annoying problems.
My forbearance ends on XX/XX/XXXX. Time is running out for me. This is unfair! I have been diligent in staying in contact with PHH. PHH is offering no other assistance. The phone calls are maddening, frustrating and emotional. My stress level is beyond relief! I have been in contact with a HUD counselor who suggested that I contact the CFPB for assistance. I also have spoken to an attorney about the treatment that I have been receiving and the attorney told me that PHH and XXXX have the worse reputations. There is a possibility that I could tie my account up in court for a few years, but I do not want to do this. I do not want to file for a Chapter XXXX as it is too expensive for me. I am under a doctor 's care for XXXX XXXX suffering from this horrible XXXX pandemic, and the XXXX associated with my home and PHH/XXXX.
|
| 07/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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On XX/XX/XXXX, we went onto Ocwen Loan Servicing website and found that our previous CFPB complaints were not corrected. CFPB, please review the attached copies from Ocwen Loan Servicing website. We then went onto XXXX credit reporting agency website on XX/XX/XXXX and found that Ocwen failed to update the credit bureaus. Per our previous CFPB complaint XXXX which was submitted onXX/XX/XXXX regarding our XX/XX/XXXX payment not reported correctly along with complaint XXXX submitted on XX/XX/XXXX regarding our XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX mortgage payments not reported accurately, we found that Ocwen failed to correct these issues within the 60 days required. Ocwen has in fact had ample time to correct these issues! From our initial complaint submitted onXX/XX/XXXX to XX/XX/XXXX, the length of time to correct these issues has been more than 60 days per the law!
Now ; Ocwens attorney, XXXX XXXX from XXXX XXXX responded to our previous CFPB complaint XXXX stating in section 2 ; there is no record indicating a dispute letter was ever sent to XXXX or Ocwen regarding this reporting. Thus, the only allegation is that Ocwens reporting is inaccurate. Rebuttal ; Ocwen and/or their attorney failed to mention that a letter was in fact sent to Ocwen which was datedXX/XX/XXXX. This letter to Ocwen stated ; on XX/XX/XXXX, we filed a complaint with the CFPB ( case # XXXX ) against Ocwen Loan servicing for failing to correct the inaccuracies on our payment history along with the credit bureaus. Per state and federal laws, companies reporting to the credit bureaus are required by law to report accurately. Also, when a dispute is in process, the company has 60 days from the time of the dispute to correct all issues. As of today, Ocwen has failed to correct the issues that we complained about. We request that Ocwen corrects our payment history and credit bureau inaccuracies immediately. CFPB, please review the attached letter sent to Ocwen. Ocwens counsel further stated ; Credit reporting is governed by the fair credit reporting act ( FCRA ) 15 U.S.C 1681. Under the FCRA, a furnisher of information to credit reporting agencies has a duty to investigate and correct any information upon notice of a dispute by a consumer to a credit reporting agency or upon receipt of a direct dispute from the consumer that complies with the statutory and regulatory requirements. Rebuttal ; fact 1, per our previous CFPB complaints, our complaints do in fact represent notification to Ocwen of a credit bureau dispute! Fact 2, per our letter that was sent to Ocwen onXX/XX/XXXX, it is clear that Ocwen was notified by us regarding the credit bureau inaccuracies! As you well know, this in fact does violate the FCRA, a federal law! Now ; Ocwen and their counsel will try to convince the CFPB and other agencies that Ocwen never received the dispute letter dated XX/XX/XXXX by means of the United States Parcel Service ( USPS ). As the USPS will state ; all letters and packages given to the USPS have been delivered. As you well know, the USPS is a federal entity and all courts will in fact acknowledge the USPS testimony! Ocwens counsel further stated ; absent proper notice, which is not alleged, Ocwen has not violated any credit reporting duties it has under the FCRA. Ocwens records do not reflect such a dispute. Rebuttal ; proper notice was in fact given when the CFPB dispute was initiated, Ocwen failed to inform their counsel that they received our dispute letter and Ocwen did in fact violate the FCRA per the documentation attached with this complaint!
Now ; Ocwens attorney, XXXX XXXX from XXXX XXXX responded to another previous CFPB complaint XXXX on XX/XX/XXXXstating ; in brief, borrower claims that Ocwen failed to report borrowersXX/XX/XXXX and XXXX-XX/XX/XXXX payments. Counsel further stated ; there is no record indicating a dispute letter was ever sent to XXXX or Ocwen regarding this reporting. Rebuttal ; as the attached evidence reflects, XXXX XXXX did in fact send a credit dispute letter to Ocwen which was dated XX/XX/XXXX, 54 days prior to Ocwen counsel response letter. CFPB, please review attached documentation! Counsel further stated ; borrower states in the complaint that he did not send a dispute letter because he should not have to do so! CFPB, please refer to my initial complaint. As you can see, XXXX XXXX stated ; NOTE ; we have not disputed these inaccuracies with the credit bureaus for multiple reasons. 1st, Ocwens website reflects inaccurate information that must be corrected by Ocwen only. The credit bureaus will not address Ocwen website inaccuracies! 2nd, Ocwen failed to report to the credit bureaus due to Ocwen constantly reporting inaccurately or not reporting at all! 3rd, federal and state agencies must be informed of mortgage companies bad business practices. NOW ; does XXXX XXXX initial complaint appear to be what Ocwen counsel stated to the CFPB, a federal agency? How can any law enforcement agency believe what Ocwen states after their past bad business practices? How can any law enforcement agency include the Nevada Bar Association believe Ocwens counsel for stating improper facts? Now ; this is not harassment as Ocwens counsel would want you to believe but rather making sure companies that caused our financial crisis in XXXX-XXXX be required to obey all of our laws! Failure to do so must result in fines, court order, criminal charges filed, loss of business license, incarceration, compensation to homeowner ( s ) for mental and emotional distress! Note : we have already disputed the previous complaints against Ocwen and provided documentation to support our claim ( s ).
Now ; we request that Ocwen complies with the following ; 1st, corrects inaccurate information on our credit bureaus immediately.
2nd, corrects inaccurate information on Ocwen Loan Servicing website regarding our mortgage loan.
3rd, we request that Ocwen cease and desist all their bad business practices such as not updating their records to reflect accurate information, reporting accurately or not reporting to the credit bureaus as required by law!
4th, we also request other federal and state agencies to investigate Ocwen Loan Servicing bad business practices and hold Ocwen accountable for their actions!
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| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage Services still refuses to get their hackers out of here and they keep remoting into my phone following some old protocol of " bleeding me out '' in which they try and isolate the homeowner in effort to keep him from exposing their fraud. We already went through this, remember?! It's where you had your hackers purposely deployed to my residence to establish a network access point ( still up to this day as seen in pic 1, starts with LED... ) so they can constantly get at me into my phone and laptop to keep me from communicating with my lawyer, who I hired to sue PHH Mortgage Services for illegal foreclosure, only to see PHH manipulate the situation just to be able to quickly hide the fraud they did all through these illegal foreclosures by quickly disposing of them. They purposely kept me from reaching my lawyer just so they could hide their fraud. Then to make matters worse, they actually acted as if these foreclosures didn't happen with how they tried to change and pass through a different set of fraudulent statements that they submitted to and through the CFPB. Statements that didn't wind up hiding any of the fraud at all and only made it look worse. You can't deny what's public record! Abd these foreclosed had an NTS which I already provided previously and submitted to show for each, and each had an auction date I had to do all I could to keepy house from winding up selling on. It took everything I had and all efforts o could make and nearly destroyed me. And at the other end waiting was these hackers. That was this past winter/spring/summer. So why are your hackers still here?! Get them out of my phone and laptop! Get them out of here! Look at the pics. They are still doing the only thing they know how to do to a homeowner, isolate him, even if the situation is well past any need for any of that. They altered the settings in my text messages app and my calls app just so that I won't be notified if any incoming msgs like I'm here isolated stuck back when trying to figure this whole thing out and had no avenue to take and go. It just doesn't make sense! Get your hackers out of here but not before they fix my settings. Where it's grey in those pics and doesn't give you a choice to turn on the setting is where they came in and used some commands sent from the system over there at PHH to write code to not allow this choice in my own app! It's none of their business what calls/msgs I get! Here I have record of logs from in the system there at phh showing this, as well as the network you use to piggyback Bluetooth to always get to me, which are actual former friends you recruit and pay with cryptocurrency like you see in pic, to make them participate in your goals and then to go away. Having other people I don't even know always come by and stop by my house at all hours of the day and night! You even had the neighbor across the street paint her door the bluest blue ( see pic ) that you could possibly think of all, right before she moved out, all in effort to tell your network of people how to easily find me .... '' Look for the house across from the one with the blue door ''. You made me your number one target when your the one that messed up when putting me into your fraud scheme where it blew up in your face, left evidence everywhere, and left your whole illegal foreclosure turned revenue fraud stream completely exposed. And because of that I'm the one that has to pay! This is pure discrimination and a violation of numerous acts that make retaliation illegal! For the last time keep you hackers out of here and stop remoting into my phone and laptop! Keep them out of my social media accounts that they keep getting into and wreaking havoc on and that's if they don't just all out delete my account like they did my XXXX account. There were photos of my daughter on there that I will never get back! What right do you have to do that! Get you hackers out of here for the lasr time! I already proved they exist with the fiasco set up by the double edge sword I put in place for PHH have no choice but take when I let them finally into my phone without fighting it like I just accepted it so that they can cone in, set the timer back on my man acct where i recieve my monthly statements and then afterwards eequested they send me a full set of statements that they have on file for me there from XX/XX/2018 on forward. The mess they provided only shows these hackers dont know what they are doing in this area. They should stick to the one protocol they know and are best used for, which is for a specific purpose only. But to phh this doesn't matter and they just continuously deploy them at me to thie day in effort to keep me from coming foward to expose your fraud. I made it past my auction date without a lawyer or going through any court and made PHH put my mortgage back where rightfully belongs the day after sold which is something I never want to experience again. How I did it or the tactics used were nothing more than a prayer of a long shot that somehow worked. But after that came these hackers and all the phychosis that developed trying to make sense of what's going on in the world around me and try to understand what my mind couldnt make sense of. See what y'all are doing with that access point back there in my neighbors backyard is not giving away free wifi but instead dropping files in any phone that connects to it. Any phone that is herr at my house eventually connects to it. And among other things these files once dropped in someones phone helps you to XXXX and piggyback off their phone to always get to me! To always get to me and make sure it is known that PHH and your hackers are always gere in my phone with me no matter what! Do you have any idea how that feels?! any idea what I had to live with this past year all because of you?! You have no right to be here. Get your hackers out of here and quit destroying every account of mine. Quit intercepting and deleting my emails in my email accts and quit remoting in period! You are not wanted here and for the last time, you are violating my civil liberties by preventing me from seeking and obtaining legal litigation against you. It is my right to seek justice for all the damage you have done to me!
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| 06/07/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My name is XXXX, I am the representative of my fathers estate. I am in the process of securing a loan to pay off my fathers reverse mortgage. The reverse mortgage company, XXXX either sold the note, changed names or was bought out, I'm not sure which but the new loan servicer is PHH Mortgage .
I have been regularly communicating with PHH about my needs for documentation and my intentions to pay off my fathers loan. PHH has also been in communication with my lender, Reinforcing the fact that I am working on acquiring the funds to pay off my fathers loan.
PHH has not been easy to deal with. Every time I call, I get a different representative, and it seems as if they do not communicate with each other very well and is some instances at all.
It took 3 months just to get the Payoff figure from PHH.
As I mentioned earlier there was a transfer of servicer for my father 's loan, it changed from XXXX to PHH. To close the loan, so I can pay off PHH, my lender needs a document explaining this transfer of service.
On XX/XX/XXXX XXXX I contacted PHH and spoke to a woman named XXXX and requested this " explanation of transfer of service '' letter. She said she will make a request to have that document sent to me, it will take a couple days. I also needed to submit to PHH the probate documents granting me the position of representative of my fathers estate. I submitted those documents while I was on the phone with her.
I called PHH on XX/XX/XXXX, at XXXX AM and spoke to XXXX. After explaining the situation to her she informed me she could not send the document because PHH does not recognize me as the representative of the estate. I need to submit the XXXX documents granting me the position of representative. I RE-submitted the probate documents while I was on the phone with her. She told me she could see that I had submitted the document, but she could not open it. She said the legal department would review the probate paperwork and I should call back in a couple days to check on its status and re-request the needed transfer of service letter.
I called PHH on XX/XX/XXXX and spoke to XXXX, she informed me that PHH still did not recognize me as the representative of the estate.
At this point I really did not know what to do. I spoke to my attorney and he assured me the documents were the correct ones.
On XX/XX/XXXX I spoke to XXXX at PHH and she informed me I needed to submit documents showing Proof of executorship or similar appointment. I informed her I had done that already.
On XX/XX/2022 I re-submitted the same documents that I had submitted on XX/XX/XXXX granting me the position of representative of my fathers estate.
Also, on XX/XX/XXXX, I spoke to MY lender and he was going to try to push the loan forward without the letter explaining the transfer from XXXX XXXX PHH.
Also, on XX/XX/XXXX I secured the Insurance Binder for the property.
XX/XX/XXXX, I went on vacation to North Carolina, thinking everything was in order.
On XX/XX/XXXX, I was informed that the letter explaining the transfer of service from XXXX to PHH was in fact necessary. My lender tried to push forward without it but could not.
On my return from vacation XX/XX/2022 I called PHH and spoke to XXXX. I explained to him my need for this letter of explanation for the change of service from XXXX to PHH. He said no problem I will get that you in a couple days. I asked him to send a PDF of the document to my email, he said he could not, that is handled by another department, he will make the request and I should see it in my email in a couple days.
I did not receive any document.
XX/XX/2022, I received in my home mailbox a letter for PHHs attorney informing me of there intent to foreclose on my property and peruse a sale by auction.
On XX/XX/2022 I spoke to my attorney about the foreclosure issue He immediately sent an email to PHH informing them of my intent to pay off the loan, and he asked PHH to contact him to confirm PHHs willingness to postpone the upcoming auction. PHH never contacted My attorney On Sunday XX/XX/2022, I found in my home mailbox, a letter From PHHs attorney informing me of PHHs intent to auction my fathers house on Tuesday XX/XX/2022 at XXXX : PM.
I called PHH XX/XX/2022 and spoke to XXXX. I explained to him the need for this document that shows the transfer of service from XXXX to PHH. It took him 15 minutes to find the document. He told me he could not send it to me directly he has to make a request to another department to send the document, but I should have it by the end of the day.
I also asked XXXX if I could get an extension or a hold on the auction due to the lack of response from his colleges. I explained to him that I have everything in order, this document was the only Item I needed to close this loan and pay off PHH, and I have been fighting for it for more than three weeks. He submitted my request for a hold.
By the end of the day XX/XX/XXXX, I still had received no document I called PHH XX/XX/XXXX, at XXXX PM and spoke to XXXX. I informed her of the situation with this document. It took her 20 minutes to find the document. She asked me if had a fax machine. I do not I replied who uses a fax anymore she said I can get you this document right now if I had a fax number, how about you mortgage lender? Do they have a fax? I texted my mortgage lender and he ( XXXX ) texted me the fax number. XXXX faxed the needed document directly to my lender.
One month!
It took one month to get one document from this reverse mortgage company. And now because it took so long to make this happen PHH decided to auction my fathers property, because of a delay they caused.
I am living in this house, it is the house I was raised in. I sold MY house in XXXX XXXX and moved into my late fathers house with the goal of preserving this property for myself and my children and my grandchildren.
PHH has dragged their feet and neglected to provide me with the documentation I need to close a loan in a timely fashion so I can Pay THEM. And on top of this they are going to auction my fathers house. I am going to lose my fathers property and I am going to be homeless because of their neglect, indifference, unprofessionalism, poor business practices.
How is this fair?
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| 04/26/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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ANSWER : I need the property info released again, in 16-cv-00199 USA v HSBC holding and 3 relted cases below OCWEN Is most urgent Illegal foreclosures for XXXX yrs unentitled parties from XXXX XXXX to ongoing XXXX are suing me that were released in >>ref to USC DC 16-00199 CONSENT JUDGMENT and has 3 rated CASES listed below. if you do not have the list of properties I saw in XXXX how will i get that list from OCWEN or From XXXX? Time is of the essence.
1. USA et al v HSBC et al conviction for illegal foreclosures in all 50 states and related cases are on PACER.
2. 1:13-cv-02025-RMC Consumer Financial Protection Bureau et al v OCWEN FINANCIAL CORP. et all and 1:12-cv-00361-RMC USA v Bank of America Corp and 3 . 1:14-cv-01028 Suntrust Mortgage Inc. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NY XXXX may also because it a private rd XXXX XXXX XXXX XXXX XXXX NY XXXX as NY lawyers wrongly actually re wrote 50 years of my XXXX credit to discredit my honor aised and abetted by XXXX NY who is a defeated defendant in my prevailing USC 42 1983 on jury trial on XX/XX/XXXX this is retaliation as I was threatened XX/XX/XXXX and in XXXX and XXXX by County rep also a neighbor of only 3 neighbors the county Judge and the County employee threatened to take my property I did file reports. I need documents with the address for 2 properties i own unencumbered in County of XXXX NY I need to subpoena these address I will only for information as a related case in USC DC and my many complaints of illegal foreclosure for 20 years. XXXX is related case I did file for about 20 yrs complaints for illegal foreclosures on 2 TWO unencumbered properties that were illegally foreclosed released back to owners if they were still HELD abd XXXX these Unencumbered properties and going to be sold illegally by NY lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX in PA XXXX office in XXXX in XX/XX/XXXX without NOTICE and after I was GRANTED prima facie summery judgement restrained the debt from collection by anyone in USC from XXXX XXXX and in NY now same restrained debt is attemped collection by NY unentitled lawyers on and from XXXX to ongoing was released and satisfied XX/XX/XXXX according to CONSENT JUDGMENT signed 2016 USA et al v HSBC Holding et al. and I have been sued from XXXX USC by US CODE 28 1332 diversity of citizenship I am in NY and in XX/XX/XXXX again wrongful sales will be conducted on same property one never had a mortgage and was take for simalair address in XXXX XXXX XXXX XXXX. Please direct me to the proper authorities to enforce the CONSENT JUDGMENT against XXXX XXXX et all ASAP? XXXX both properties were satisfied and released back to rightful owner and unentitled adverse parties are again claiming to rep XXXX XXXX I have NO BUSINESS DEALINGS WITH Adverse parties or any mortgage co from XXXX and without standing with out NOTICE without MERIT I did prevail in USC at the same time as the USA v HSBC from XXXX and both properties are included on that list my former lawyer did show this to me in XXXX. To make matters worse these adverse parties have used my SSN in XXXX and added other people 's debt to my SSN. I do not owe anyone money. These are not simple denials. I have been a victim of ID theft for more than 20 years. I duly reported here. I prevailed for 16 years of illegal foreclosures from XXXX in USA and in NY supreme Court on XX/XX/XXXX and GRANTED summary judgment in NY State with a prima facie case all debt was again restrained from collection on that day. As the same debt was restrained from collection XXXX XXXX to XXXX XXXX. None of this debt belongs to me. I am innocent of all allegations. These were proven to XXXX from XXXX to XXXX XXXX and in XXXX I was sued none stop by unentitled adverse NY lawyers who have now stollen mXXXX years of EQUITY and my property too for money I never borrowed and in XXXX after 16 years of prevailing my XXXX and XXXX unencumbered property was liened an backed line and mortgage I never signed for over XXXX XXXX dollars wrongly back to XXXX liens were back in XXXX. The County of XXXX is a defeated defendant on XX/XX/XXXX un civil rights violations US CODE 42 1983 I am the prevailing PLAINTIFF IN THAT Matter these NY cases from XXXX to ongoing are in fact retaliation FOR my prevailing in Genovese v Suffolk et all herd on XX/XX/XXXX by jury trial. every lawyer including defense I have reported to you and all aided and abetted adverse parties from XXXX XXXX XXXX XXXX to XXXX to steal all of my equity and to now steal my property for money I never owed in my life and I did prevail aI did prove this in XXXX and in NY XXXX XXXX XXXX. What is the USA going to do about hard copy records missing in county records?? There will be further DEED AND EQUITY Theft across this USA. I never signed a note. I never had a need to borrow money from XXXX. Tas of XXXX y SSN and my good name for over 60 years have been compromised I had a XXXX XXXXXXXX credit score I removed most alleged debt from XXXX rightly but in XXXX adverse parties use my SSN and recorded about XXXX XXXX debt belonging to someone else and or manufacture debt over 16 years of info data mining and filing wrongly foreclosures from XXXX. These illegal foreclosures from XXXX have cose me actual damages of over XXXX XXXX dollars and now in XXXX these adverse parties will sell my unencumbered properties and I have NO BUSINESS RELATIONS WITH IN MY LIFE.But 50 years of my financial history XXXX XXXX point credit is now wrongly destroyed. I need protection and Consumer Protection is a party to 16-00199 USC DC see three related cases to this index number STATE OF NY Is a party as well on behalf of wrongly and illegal foreclosure I must know how to enforce HSBC CONSENT JUDGMENT 16-00199 USC DC ASAP. A XXXX Judge who is related by Blood to an adversary and wrongly deleted my prevailing summary judgements from XXXX and others prior. I can provide XXXX name f requested i did ask to recuse and I did prevail i XXXX TO RECUSE XXXX XXXX GRANTED RECUSAL MOTION XX/XX/XXXX when the same Judge threatened me again all are related to a XXXX politician and a neighbor for XXXX XXXXear I reported threatened me beginning XXXX and XXXX and XXXX and XXXX to take my property. Thank you.
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| 09/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dr XXXX XXXX ( Social Security XXXX ; CA DL XXXX ) XXXX XXXX XXXX ( Social Security XXXX ; CA DL XXXX ) XXXX XXXX XXXX XXXX, CA XXXX Mortgage Service Center Acct # XXXX ( also reported as Account XXXX ) Dear FTC I am writing this letter to the FTC because I have not received help from PHH Mortgage or XXXX. I have sent them three letters noting how the error happened, bank statements to show how consistently I paid and how accelerated my payments were, notes from my calls to XXXX and XXXX, and multiple email messages from XXXX showing how frequently their XXXX erred. The loan from XXXX was serviced by XXXX and I was paying 2 payments per month and paid the loan off from XXXX.
I remain very negatively affected by their incorrect credit report. I am attaching for your review 6 months of XXXX bank statements along with 7 pages of notices I received from XXXX showing that their XXXX frequently malfunctioned. You can see from these statements and the XXXX problems that XXXX XXXX did not go out for no fault of mine. A review of my payment history will show that I very eagerly paid twice a month and had accelerated my payments. I do not know why when the XXXX had been set up for payments, why XXXX XXXX did not send the two payments in XXXX. Given my excellent history of payments and recurring pattern of failure of XXXX XXXX, notes that show I called XXXX repeatedly to rectify the situation, my long history of relationship with XXXX, and sober credit usage, I am requesting that the negative credit information reported in XX/XX/XXXX be removed. As I have indicated in my previous letter, I contacted XXXX multiple times with issues we had sending payments using XXXX. I sent copies of my handwritten notes for each instance I called XXXX to report how much difficulty I was having with the XXXX feature.
I am writing to get your help with account # XXXX ( also listed as XXXX ) which had negative information reported for XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX ) XX/XX/XXXX to all three credit bureaus.
We are loyal XXXX Wealth and Personal Banking clients. We have in the past had a home loan with XXXX, multiple checking and savings accounts, and a brokerage account with over {$250000.00} balance. Likewise , Dr XXXX XXXX has had multiple checking, savings, and credit card accounts in addition to this home loan account with XXXX.
We have been very timely and careful with our credit usage at XXXX. A review of our account will show we have paid everything in full and on time. We pride ourselves in being diligent in paying our bills.
My wife and I are both surgeons with a busy clinical practice. We are in the process of buying a Covid-19 testing machine and a credit check revealed this negative information which precludes buying the machine.
The account was set up when we refinanced our home with XXXX in XX/XX/XXXX. Using the help provided by XXXX, we started the XXXX option on our XXXX account. This system worked well for us until we began to accelerate our payments. Due to the accelerated payments, an issue occurred with XXXX XXXX software in XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I received a statement noting the payment had not been received. I immediately contacted the Mortgage Service Center at XXXX and spoke to XXXX. I told her we had accelerated our payments and that a glitch in the XXXX software had prevented the payment from going out. She said this happens all the time with XXXX XXXX and given that we work so closely with them, we will clarify what happened here and remove this information. This occurred through no fault of mine and instead was caused by problems in XXXX XXXX software.
On XX/XX/XXXX, I had another minor issue with the way the Principal was being reduced with the accelerated payments and called the Mortgage Service Center at the same number above. They said all the payments were fine and that the home was nearly paid off. WhenI inquired about the negative information from XX/XX/XXXX, the staff person I spoke with, XXXX, said that the issue hadnt been corrected.
XXXX was very understanding when I explained that we were very loyal customers of XXXX, that we had been doing accelerated payments to pay off the home, and that a software glitch in XXXX had likely resulted in the payment not being received. She said that it is not a problem Sir because your payments are way ahead of schedule. She said she had put in a ticket that should quickly resolve the problem.
Despite multiple attempts, the negative credit information was not removed from the 3 credit bureaus. I have paid all monthly payments and the entire loan without any issues because I am a loyal XXXX customer. The people we spoke with acknowledged that this was a minor issue on XXXX XXXX side. Theyve assured us there would be no negative credit information reported.
I am attaching a copy of a recently obtained report which corroborates the negative information reported to XXXX, XXXX and XXXX. I have spent considerable effort contacting you via phone to rectify this error.
We are very loyal customers and we hope you will be able to correct this information with all 3 bureaus for XXXX XXXX and XXXX XXXX. We made no mistake in sending you timely payments. I do not feel it is fair despite multiple calls to correct this situation that we should have this negative information in our file.
Our community is suffering from Covid-19 cases. I hope you will be able to resolve this credit issue expeditiously please for the sake of our community.
I have already sent copies of my handwritten notes of my phone calls and a copy of my driver 's license to PHH and XXXX in three prior correspondence. Please note all the people I have cc 'd below in my correspondence with no help.
Sincerely yours , Dr XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX President and Chief Executive Officer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Mail stop XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX
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| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I purchased an home in XX/XX/XXXX. In XX/XX/XXXXI started having problems with my mortgage. Due to an financial hardship I had to file chapter XXXX. At this time the mortgage raised my payments claiming my insurance had went up to XXXX adding late fees and refused me for an modification. My Bankruptcy Attorney XXXX made several attempts to place calls on my behalf for an explanation on the extreme payment hike. My mortgage payment double to almost {$1600.00} a month. As the advise of Attorney XXXX that this was not something she could handle I needed to retain an attorney. I retain Attorney XXXX XXXX and he informed me that there were some issue with an deed to my property and misdated papers filed. XXXX XXXX was not familiar with bankruptcy laws and I had to retain and third lawyer who filed an XXXX that XXXX XXXX and XXXX were not the note holder but an servicing company. At this time I had been to court several times about late payment an payment increases. Once the motion was filed BY MY ATTORNEY Attorney XXXX XXXX of XXXX XXXX XXXX, XXXX Who represented XXXX XXXX XXXX XXXX XXXX Trustee For XXXX XXXX XXXX XXXX 2007-2, Asset Backed Certificates, ( which doesn't exist at this time of act ) series 2007-2 never showed up to court and the Banrupcy Court dismissed the claim of XXXX XXXX and XXXX. XXXX XXXX sent them a letter demanding a copy of the deed again. No response They did not notify me for apox 8 to 10 mpnths later.. and filed an forcloser notice. The sale of my home was to take place at the court house and Attorney XXXX advised me to attend an I was there from XXXX to XXXX An there was no sale of my home that day. The only home was sold was a property that Attorney XXXX was auction. On a friday evening I haad a gentleman show up at my home at XXXX XXXX an inform me my house was sold and XXXX can help me move. XXXX XXXX seemed in the beginng to work very hard for me. But the bankrupcy put an cap on what he could charge me and it seemed to tell me i couldnt afford the trial that i needed to work out an deal with the company. I was very hestiate about this but over the years I had empty my retirement fund and savings trying to pay attorneys and mortgage payments to hold on to my home. I even asked about the missing deed and the trust for XXXX XXXX was clossed in XX/XX/XXXX and the signed transfer of deed years later in XX/XX/XXXX.I even ask that as long as I was in bankrupcy they stop responding accepting payments and answering any calls. The bankrupcy trustee held on thinking I was going to win money from the suit stayed invoved. In XX/XX/XXXX we came up with an agreement to set aside forecloser and readmit loan. What we agrred apon and it started all over again rasing fees, charging me un explain fees. In XX/XX/XXXX I spoke with them about fees and a supervisor said this is not an an attempted to collect an dept. An i ask to explain he didnt I also asked why was the agreement file on record of deeds. An my name on the taxes. and They stop accepting my payents locked me out my account and havent return my call when set up appointments. I have not been served or via mail to vacaant my home but my house is on the florcloser list.
I really need your help i am a single XXXX XXXX XXXX mother who have exhaust all resources and funds. I need someone of your expertise to look over the documents of my case> I feel the the XXXX profiled me. I feel the reason the let so much time lasp is to not focus on the deed and the XXXX XXXX.
After reviewing the documents from Ocwen it clearly still does not answer any of my questions, what he said is true I did file a Chapter XXXX in XX/XX/XXXX. My complaint is, is Ocwen legally responsible for collecting a debt for XXXX XXXX XXXX XXXX trustee back 2007-2? Due to the fact that in XX/XX/XXXXwhile in bankruptcy I filed a motion to request such a document from Ocwen to file correct documents of ownership and authorization from the trustee and did not respond nor show up to court. I did that for XXXX XXXX XXXX and Ocwen. ( See attachments below ) Also Ocwen did not correspond with me for two years until they filled a foreclosure with a foreclosure deed in XX/XX/XXXX. I see in his documents he showed transfer from XXXX XXXX to Ocwen doesnt make sense to me since Ocwen reported on my credit report that the mortgage was transferred in XX/XX/XXXX but Ocwen went back in on my credit when I filled a chapter XXXX in XX/XX/XXXX after they put the {$150000.00} foreclosure debt on my credit report. Ocwen put the {$150000.00} debt under homeward residential in my chapter XXXX.after the loan had been transferred from them to another lender in XX/XX/XXXX, how could you legally do that. You will see in document that I sent the response from my attorney XXXX XXXX, It seems that every time I am in federal court or civil court they either dont show, wait a period of two years and before filing a motion it gives them a opportunity to falsify the documents. The reason it took them two years to file the foreclosure is because the trustees of bankruptcy was holding on to my case until they they assumed that there would be no money and benefits once they dismissed is when they filed their foreclosure. Through this process in bankruptcy the attorneys supposedly for XXXX XXXX, XXXX XXXX trustee back 2007-2 were the attorneys the entire time and still are. This could have been resolved in XX/XX/XXXX when we requested for such documents and attorneys did not file nor show. Also in his response he stated that there was no request on my behalf about my account, thats all lie! Also at this time there is there is no mortgage company on my credit report and I have been paying ever month since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX I called to ask questions about my tax statement and why my name was not on those taxes or on the home and the substantial of {$6000.00} that was on the statement they could not answer and said this is not an attempt to collect a debt. So these are the following reasons why I feel that the assignments on my house are fraudulent and due to the fact that Ocwen has already been to court on such thing like filing false documents from XXXX XXXX XXXX XXXX trustee.
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| 02/18/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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For many years Ive suspected that my loan balance has been misrepresented by Ocwen Loan Servicing ( OLS ) based on payments that Ive made for the life of the loan. I admit that I have run into financial difficulties for more than a 1 years, and was unable to pay my mortgage due to an unexpected separation between myself and my wife.
Once things began to finally stabilize financially for me and I was able to secure a solid employment and regular earnings. I began to review old OLS, accounting records for my loan. It was at that point that I realized that my account summary carried vary flagrant discrepancies within the charges themselves. They illustrated duplicate charges in some cases within the same day, for the same service and appear to be compounded in comparison to whats perceived as normal industry standards associated with foreclosure.
Even at first glance the account summary identifies significant over charging and overall egregious fees and costs associated with foreclosure expenses which are passed on to me and my family to pay. The account is riddled with unwarranted inspection fees and property valuation expense as well as countless foreclosure junk fees.
It is a known fact, as illustrated in the most recent Class action lawsuit filed by the Consumer financial protection Bureau ( CFPB ) in XX/XX/XXXX that OLS has made thousands of accounting errors on thousands of consumer accounts for many years. On XX/XX/XXXX my loan was loaded into the systems of OLS and Im certain that accounting errors were made on my account.
OLS, loaded inaccurate and incomplete information into XXXX ( XXXX ) and serviced loans using this information. OLS, relies on an inferior accounting system known as XXXX, this accounting system is dependent upon ensuring the loan data it is using to service loans is complete and accurate, OLS, seeks to complete this loan verification process within 60 days of boarding the loan onto XXXX. Since XX/XX/XXXX, however OLS, has not completed this process within 60 days. Instead, it has relied on unverified loan information for months and often for more than a year to service hundreds of thousands of loans. Due to this backlog, OLS also delayed verifying the 1.7 million XXXX XXXX loans it previously acquired in XX/XX/XXXX, and which it moved from XXXX XXXX servicing platform and boarded onto XXXX, on a rolling basis beginning in early XX/XX/XXXX. OLS, did not even begin the verification process for the XXXX XXXX loans until XX/XX/XXXX ; at that time, OLS, was servicing more than 1. Million unverified loans. Violations to Real Estate Settlement Procedures Act ( RESPA ) As of XX/XX/XXXX, in addition to boarding loans with inaccurate loan information, OLS also boarded loans that contained payment history data that it had reason to believe was inaccurate or incomplete. OLS, for example, boarded incomplete or incorrect payment histories onto XX/XX/XXXX, such as payment histories that include misapplied payments and transactions that occurred before the loan was even originated.
I have requested on multiple occasions for OLS, to accurately explain the inconsistences in my loan fees and payment application history for the life of the loan, to no avail, which are violations of the Fair Debt Collection Practices Act ( FDCPA ) OLS, is now attempting to foreclose on my home without explaining any accounting request that have been requested on my behalf over the years leading up to the foreclosure actions.
OLS, is also refusing to review my loan for modification assistance although I have the means financially to afford my mortgage.
In XX/XX/XXXX, I was offered a predatory loan modification which also contained a large balloon payment in the amount of {$120000.00}, I struggled with these payments because they were not affordable, and I accepted that loan modification out of desperation to keep my home and avoid displacement of my family. I had no idea that I was able to dispute the offer, when in fact I had 30 days from the approval date to dispute the terms. Tis was never explained by my single point of contact ( SPOC ) at the time.
Exhibit A XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX XXXX, foreclosure attorney OLS, is also XX/XX/XXXX, my loan was referred to XXXX XXXX XXXX XXXX XXXX, foreclosure attorney during the time that I was allegedly being reviewed for a loan modification, which is dual tracking violations to Federal Law effective XX/XX/XXXX. It is written that from the date of the active review all sale activity be placed on hold until the conclusion of the review.
On XX/XX/XXXX, allegedly OLS mailed me letter of denial that I never received, which subsequently 10 days afterwards a loan modification was granted, unbeknownst to me. I was informed by my XXXX that a package was lying behind bushes near an unused entrance to my home sometime in late XX/XX/XXXX. In fact, this package was not legible in even the smallest degree. I immediately contacted OLS, and advised them of the occurrence and discovery of the loan modification documents. OLS, recent the documents to me and by the time that I received the documents I was unable to have my attorney review them before OLS, deadline for the documents. Ultimately my loan modification offer was then cancelled. It is also a fact that the 20 year amortization schedule outlined within the XX/XX/XXXX, offer do not calculate correctly. The first page of the offer states principle and interest payments of {$800.00}, based on a rate of 4.725 % and an interest bearing amount of {$170000.00}. If calculated correctly, the payment would actually be {$1100.00}, which means the offer is invalid as it is written.
OLS, has never maintained a transparent review process with relation to my amount payment application history nor have they remained in compliance with the integrity terms conditions and ongoing industry standard metrics enforced under the National Mortgage Settlement NMS, of XX/XX/XXXX CFPB vs. OLS. Furthermore, we compel OLS, to correct these acts of treachery and abuse prior to our filing a potential civil lawsuit surrounding these arguments set forth and within this complaint.
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| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This complaint is concerning the unethical business practices of PHH Mortgage, also doing business as XXXX Mortgage.
On XX/XX/XXXX, my mother passed away. I immediately contacted the mortgage servicer to let them know, so that we could work through the process. In XXXX, I began making mortgage payments on her account to keep the account current.
I also began the XXXX process in XXXX, with my first court hearing scheduled for XX/XX/XXXX, when my family asked me to administer my late mothers estate.
I could not continue making 2 house payments indefinitely, and the account became delinquent in XXXX. My initial request to administer the estate was denied by the court and a hearing date in XXXX was established to appeal.
Throughout XXXX and XXXX I was in constant communication with PHH Mortgage letting them know the progress I was making in terms of acquiring a buyer for the property, with the intention of using the proceeds to pay off the loan.
PHH assigned a Relationship Manager to my case - named XXXX XXXX. I have never actually gotten to speak with XXXX XXXX, even though he is listed as the sole point of contact on the account. At every appointment I schedule, I am passed off onto some other PHH representative.
When I first explained the situation to PHH, they forestalled the active foreclosure and promised to work with me after this tragic and life-upending event. The Court again extended their final decision during the hearing in XXXX, and PHH said they would hold off on any adverse actions until the final decision in XXXX.
In XX/XX/XXXX I was finally made the administrator of my dead mothers estate. I had an appointment scheduled for XX/XX/XXXX to speak to a relationship manager. When the XXXX came, I did not receive that call. I received a standard call from a PHH rep asking me to call them back. When I did so, I was told by the rep to wait for the relationship manager to call.
I sent an email to PHH after the time window had passed, stating I didnt receive the call, and asking what to do. They said they had missed me, and offered to schedule a follow-up appointment for XX/XX/XXXX. I responded via email stating that I would like that appointment and confirming to please book me in for it. At previous appointments, I had been assured that foreclosure proceedings would be forestalled, since I was actively working to secure the funds for the payoff.
Now I have been notified that my dead mothers house is in active foreclosure. We are just about to close escrow on the sale, and this could seriously damage the houses resale value. When I called PHH, they stated : We didnt receive your email, we will not schedule you an appointment until XXXX, and the foreclosure will not be put on hold.
When I asked for the records from my previous relationship manager appointments, I was told those representatives were wrong in what they told me. When I asked what happened to my appointment for XX/XX/XXXX, I was told that they never received my email, and that it was incumbent on me to confirm whether or not I had actually been booked into an appointment.
This is blatantly absurd. To summarize all of the above, PHH : - Sent FALSE AND MISLEADING DOCUMENTS concerning the property ( letters which provided a number to call stating that I could speak to a relationship manager directly- but I have NEVER been able to, and have only been able to schedule appointments for MONTHS out ) - Made FALSE AND MISLEADING STATEMENTS concerning what their stance on the property and intended actions and remedies were, then disclaimed all responsibility for their representatives words, which were made on RECORDED CALLS - Created a HOSTILE CUSTOMER EXPERIENCE, where I, as the customer, am told that if I follow the instructions on how to confirm appointments, contact the mortgage servicer, or take any other actions, it is incumbent upon ME to make sure their system does not glitch out and lose my correspondence - Provided FRAUDULENT CONTACT INFORMATION concerning the law office performing the foreclosure process ( they provide a number to call and state the customer can speak to the law office, but calling in only gets you to a robo-call tree, and if you dont have a foreclosure sale date or court date, which PHH DOES NOT PROVIDE, you can never speak to a human ) - REFUSES to take responsibility for their own system errors ( whether in correspondence or in appointments or even in automatic payments not being drafted- which was the cause of the first missed payment on the account ) - Finally, their customer service experience is a joke, their representatives are openly hostile most of the time, and they REFUSE to confirm anything they say in writing, likely for fear of self-incrimination.
PHH/XXXX is an OPENLY PREDATORY mortgage servicer, PREYING on tragedy-stricken family members, LYING about their actions and statements, GASLIGHTING their customers into thinking that the customer is making mistakes when its PHHs processes and services that are mistaken, and more.
I had to get a COURT ORDER in XXXX in order to even COMMUNICATE with PHH about the account, because they provided processes to follow for successor-in-interest documents and next-of-kin documents, ALL of which I submitted in XXXX or XXXX, and I had to submit them 3 TIMES because PHH provided erroneous contact or department info each time.
During this time the house was put into its first foreclosure process, because PHH REFUSED AND RETURNED PAYMENTS ON THE ACCOUNT, and then stated that I could not make partial payments to bring the account current, but could ONLY perform a full reinstatement including the legal fees for the GHOST LAW OFFICE they use.
Finally, throughout the ENTIRETY of this process, I have been BOMBARDED with calls from PHH representatives, up until they recently stopped during XXXX when I had finally secured a dialogue with the relationship manager.
I can not categorize PHHs correspondence, actions, or behavior in any way besides BAD FAITH and UNETHICAL, and have lost sleep and suffered mental anguish for months in trying to deal with them in a forthright and upstanding manner.
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| 11/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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FRAUD AND DECEPTIVE PRACTICES PHH AND OCWEN MORTGAGE SERVICING Nevada Division of Mortgage Lending Issues Cease and Desist .. to Ocwen Financial and Trustee sale Scheduled for XX/XX/2019 More than 20 State Mortgage Regulators, including the State of Nevada Division of Mortgage Lending ( MLD ), have issued simultaneous regulatory orders or charges to subsidiaries of PHH/Ocwen Financial Corporation to address violations of state and federal laws including the mishandling of consumer escrow accounts, unlicensed activity, and a deficient financial condition.
Mortgage escrow accounts are utilized to pay taxes and insurance and hold borrower funds that the company is entrusted to appropriately disburse. The majority of orders, including the order issued by the Nevada Division of Mortgage Lending, prohibit the acquisition of mortgage servicing rights and the origination of mortgage loans until the company is able to prove it can appropriately manage its existing mortgage escrow accounts and prevent harm to consumers.
The Divisions order was issued as a result of the culmination of several years of multi-state examinations and monitoring that revealed the company has mismanaged consumer mortgage escrow accounts. PHH/Ocwen services the mortgages of approximately 17,234 borrowers in Nevada.
The Division joined in this action today to protect Nevada homeowners, and will continue to work in concert with both the Consumer Financial Protection Bureau and the Conference of State Bank Supervisors to make sure PHH/Ocwen is held accountable to borrowers. This is now a large federal and multi-state action, but the Divisions first obligation is to safeguard Nevada borrowers and provide as much information as we can as this process develops, said Division of Mortgage Lending Commissioner XXXX XXXX.
NOTICE : State Mortgage Regulators have been closely monitoring PHH/Ocwen throughout the last year. As identified in many of the state orders, the regulators became increasingly concerned with PHH/ Ocwens handling of consumer accounts, apparent unlicensed activity, and the companys ability to manage itself as a going concern. This situation left regulators with little choice, but to file enforcement orders against the company.
Property Information : Account Number XXXX PHH/Ocwens Case Number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Summary : There is evidence of Fraud regarding the Escrow and the illegal activity of PHH/Ocwen Regarding Violation Of the US District Attorney regarding violation of Matrix 's This includes the metric argument, the prior wrongs with how they handled your loan modification requests, and we want to submit a request for a new loan modification because we want to argue that they cant foreclose while a loan modification request is pending. We will of course argue that the expiration of the statute of limitations on the note impacts the deed.
There is a foreclosure sale and Auction scheduled for XX/XX/2019 which was issued while in appeal. The Foreclosure and Auction Date is fraudulent and as issued in the Appeals letter that 30 days is sanctioned for appeal and all foreclosures and or Auctions will not be enacted during the Appeal Stage.
A CEASE AND DESIST WILL BE ISSUED BY THE XXXX COUNTY COURT AND FURTHER LITIGATION MUST BE PURSUED UNTIL THE FAULTS AND ILLEGAL ACTIONS ARE RECTIFIED AND ACCORDING TO CFPB AND STATE BANK SUPERVISORS.
On XX/XX/XXXX and the XX/XX/2019, a phone call was placed to PHH/Ocwen, stating that an appeal has been drafted from the office of Attorney XXXX XXXX XXXX. Criminal Law, and the oral submitted response puts an automatic hold on any proceedings of foreclosure and auctions that were illegally filed into the XXXX County Records while violating the 30 day response time given for rebuttal. This illegal violation of sending out notices of foreclosures and auctions slated for XX/XX/2019, preceded the required written/oral 30-day time limit established for a written or oral response to the foreclosure and auction which was scheduled for XX/XX/2019.
The CFPB ( Consumer Financial Protection Bureau ) has been made aware of PHH/Ocwens illegal procedures of foreclosures during an appeal process for XXXX. XXXX XXXX property as listed above, is in direct violation and has intervened into the investigation of their illegal practices and the US Attorney General XXXX XXXX, along with the State of Nevada District Attorney General XXXX XXXX, have thorough knowledge that PHH/Owens violation of Nevadas Mortgage Foreclosure Act and irresponsive mortgage modification determinations have eroded the and breached the covenant of good faith and fair dealing.
During the call to PHH Dated XX/XX/XXXX with all emails and faxs sent to PHH/Ocwen and XXXX XXXX XXXX, it was determined that there would be a Letter of Termination of Auction Schedule for XX/XX/2019 sent to all Government Agencies listed on this document, that will establish that the Auction was Suspended.
ALSO, there would be Termination of all references to the Auction and Photos of the Property to be taken down from ALL sites that advertise Auctions, XXXX XXXX, XXXX and others that are not listed here.
To Re-establish, a Letter of Auction Termination, was to be sent and issued to XXXX XXXX Criminal and Mortgage Fraud, ATTORNEY GENERAL OF NEVADA XXXX XXXX, Attorney General XXXX XXXX U.S. Department of Justice, Office of the Inspector General Evaluation and Inspections Division and STATE OF NEVADA DEPARTMEN
T OF BUSINESS AND INDUSTRY DIVISION OF MORTGAGE LENDING. *In the Recorded Agreement, there would
be no continuation of the Auction to the next month and there would be no reference of Foreclosures and Auctions on any sites that advertises the illegal foreclosure.
*It is advised that PHH/Ocwen contact your legal representative, XXXX XXXX XXXX XXXX and to be advised of THE CEASE AND DESIST ACTIONS TAKEN, terminating any immediate or future Foreclosures and Auction placed upon the said property, and to judge themselves accordingly as any noncompliance will result in Legal Actions taken against PHH/Ocwen and XXXX XXXX XXXX XXXX
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| 01/14/2020 |
Yes |
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- Trouble during payment process
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Web |
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PHH mortgage made payment agreements with me on 2 different occasions only to deny doing so and sent 1st back, then saying didnt receive 2nd one at all although i explained i had and had proof they had received it, they said would review of my case and would take 10 days however 1st review done in beginning of XXXX wasnt ended and info redarding the result of it wasnt relayed to me until XXXX of 2019 and was entered into their computers improperly due to the information in their computers that they were telling me was their decision was actually information Ipersonally told them regarding date I received money back not why or who sent money back and was told that during review they forclosure couldnt and wouldnt proceed but they were in fact proceeding but assuring me they were not and to throw out letters I was receiving regarding foreclosure that it was just what would normally happen during such time frame had investigation or review of my claim was being handled and only after receiving letter on XXXX with auction an date did I realize I was seriously deceived with no time or money to file suit against and sale date is tomorrow!! They finally admit as of yesterday at XXXX XXXX they received the money on date per our agreement and told me to call THEIR attorney and ask for a reversal and reinstatement so i did to be told need their other dept. and was transferred at XXXX. i can prove they have not given me proper notice, mislead me, mishandled phone records, prolonged reviews and research regarding these issues since I reached out to them in XX/XX/2019, and PHH did not properly acknowledge having accepted my money or review my information in a timely manner until to late to stop them from taking my home of 21 yrs, mishandled phone calls, mail fraud, withholding my payments or sending them back ( to assure sale of home happened ) for the sole purpose of financial gain for them and i feel may end in a total loss for my family which can leave us homeless. Also I believe there is improper handling of paperwork, deception, falsifying notes in their computers giving me inaccurate information which I can prove easily and can be proven more with phone records of theirs and mine and holding off on investigating since XXXX ( until yesterday although I had proof of them receiving money and me submitting it by phone and fax multiple times and even telling them the proper EASY steps to take within their company to see i complied with their attorney and them from the beginning ) and absolutely refused any management numbers, emails, or any other department besides the main dept that answers until this past friday evening, mishandling payments, proof of payments and not putting proper information that i told them in computer on multiple occasions since XXXX of 2019 which resulted in what I believe and know is a improper and illegal sale of my home which I had and still do not have no money since they still have it and no time to fight or file a claim against them and they are proceeding with the sale of my home today although they admit fault to me on now 2 occasions verbally over the phone. I am contacting their attorney as soon as they open today to ask for reversal and reinstatement per PHH as of yesterday at XXXX XXXX. which lleft no time to reach the proper department with their attorney yesterday so I was up the first 4 days contacting everyone that i could and researching how and who can stop this and was referred to you by HUD and internet but was working with them believing they would or I could get 1 person to hear me and Please stop the sale of my home. I continue to speak to them but now know they arent going to stop it since its today and i have to tell their attorney what i want? Makes no sense but i will again comply and ask YOU and anyone who can help. To STOP THE SALE OF MY HOME THAT IS HAPPENING NOW THIS MORNING at XXXX XXXX. ( i think because my papers show different everything than yours so i dont know about time and date was given to me by an attorney friend who looked up my case and found several inconsistancies but I couldnt hire him it was solely for my information ) or my family will be homeless. This as I've been told by PHH ( and knowing myself ) is of no fault of my own but mishandling of EVERYTHING by PHH and is unjust and unfair, has caused much distress to me, my family, my health, and my marriage of 30 years, and could have been resolved within 5 minutes with a simple phone call and /or proper investigating within their own company which i could not obviously do myself and that was resolved within 2 weekdays by a different department i was transferred to this past Friday so please stop the sale of my home due to these facts and the fact that your attorney as i believe you know must talk to you to stop it not me ( although i will comply and call ) since they are your attorney and work for you to sue me for my home is the way i see it anyway not knowing any of the legalities of that but seems like a no brainer to me and feels like another stall tactic at this point and if this doesnt happen, the stopping of the sale I have 1 news station on standby waiting to go public with the information and proof I have and to contact the C.E.O. and let him know this as well if I have to thats how positive I am with my knowledge and proof that this process was completely illegal in many ways. Theres also the issue with the amount still owed is more than my origional amount to be paid on a 30 year fixed 5.25 % ( ibelieve ) FHA loan 21 years later with no refinancing or other mortgages ever taken out on it only 2 i believe possibly 3 loan modifications that I would like a breakdown of and explination ofwhy it remains more or as much as the day i purchased it so pkease help me stop the sale of my home giving me at least 60 days to now get 4 more months that are due then another 60 to pay the next 3 that will be due from that or at least stop sale and we can try this again since not my fault but PLZ DONT SELL MY HOME since i complied 100 % and their company is at fault this is happening not me.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX, XXXX XXXX XXXX ( I ), requested a mortgage forbearance from PPH Mortgage ( PPH ). I have a split mortgage with PPH {$570.00} ( # XXXX ) and {$180.00} ( # XXXX ).
XX/XX/XXXX : I applied for the XXXX XXXX COVID-19 Recovery Mortgage Assistance Program ( Mortgage Assistance Program ) and requested a mortgage forbearance payment of {$2200.00} which included payments for both mortgage accounts ( # XXXX ). ( Exhibit 1. ) XX/XX/XXXX : Received letters from PPH approving the mortgage forbearance for both accounts. ( Exhibit 2. ) The mortgage forbearance effective date is XX/XX/XXXX for 3 deferred payments. The mortgage forbearance payments were due XX/XX/XXXX for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$1700.00} ( 3 mortgage payment for # XXXX XXXX and {$560.00} ( 3 mortgage payments for # XXXX XXXX. Note : The defer payments are for the month of XXXX and XX/XX/XXXX, two months only, not 3 deferred payments as stated in Exhibit 1.
XX/XX/XXXX : Received letters from PPH granting a Notification of Payment Deferral for the month of XX/XX/XXXX for both mortgages in the amount of {$760.00} ( # XXXX ). ( Exhibit 3. ) XX/XX/XXXX : Updated Self-Certification/Statement of Facts for the Mortgage Assistance Program to reflect the new mortgage forbearance balance of {$1500.00} to cover XX/XX/XXXX and XX/XX/XXXX mortgage payments. ( Exhibit 4. ) XX/XX/XXXX : Received a check from the Mortgage Assistance Program in the amount of {$1500.00}. ( Exhibit 5. ) The check was to be endorsed by both parties.
XXXX XXXX : I signed and sent the check via certified mail to PPH along with the payment coupons and a copy of each forbearance letters ( see Exhibit 1. ) I also included a personal check ( # XXXX ) in the amount of XXXX cents not realizing it was not needed. ( Exhibit 6. ) XX/XX/XXXX : PPH received and applied the entire mortgage assistance check of {$1500.00} as well as the XXXX cents to the first account ( # XXXX ). ( Exhibit 7. ) Note : I included the mortgage coupons and a copy of each forbearance letter so that there would be no mix up.
XX/XX/XXXX : I received a letter from PPH for the second mortgage account ( # XXXX ) offering another Temporary Hardship Forbearance Plan Agreement to defer 3 payments ( XXXX, XXXX and XXXX ), with 4 payments being due on XX/XX/XXXX in the amount {$750.00}. ( Exhibit 8. ) Note : not sure why I am receiving this letter from PPH. XX/XX/XXXX payment was received by PPH so there was no need for a mortgage forbearance. I never contacted PPH requesting an additional mortgage forbearance as stated in the letter.
XX/XX/XXXX : I receive a letter from PPH for the first mortgage account ( # XXXX ) offering another Temporary Hardship Forbearance Plan Agreement to defer 3 payments ( XXXX, XXXX and XXXX ), with 4 payments being due on XX/XX/XXXX in the amount of {$1700.00}. ( Exhibit 9. ) Note : PPH had already applied my XX/XX/XXXX and XX/XX/XXXX payments to my first mortgage account, therefore, I am not sure why PPH is offering a mortgage forbearance for XX/XX/XXXX. I never contacted PPH requesting an additional forbearance as stated in the letter.
XX/XX/XXXX : I called ( 19 mins ) PPH to inquire about the mortgage payments to the 2nd mortgage account in the amount of {$370.00} for the month of XX/XX/XXXX and XX/XX/XXXX ( # XXXX ). I was told by the customer service that the payment of {$370.00} would be removed from the first mortgage account ( # XXXX ) and be applied correctly.
XX/XX/XXXX : I received a confirmation letter from PPH confirming the XX/XX/XXXX inquiry. ( Exhibit XXXX. ) XX/XX/XXXX : In my PPH online payment history account XXXX # XXXX ), it shows {$370.00} listed as a Misapplication Reversal. ( See Exhibit 7. ) XX/XX/XXXX : In my PPH online payment history account ( # XXXX ), it shows that only {$1.00} was applied to my second mortgage. ( Exhibit 11. ) XX/XX/XXXX : Called ( 42 mins ) PPH again to confirm that the payment for the second mortgage was applied correctly. The payment had not been applied. I was informed by customer service that the payment of {$370.00} would be reversed from the first mortgage ( # XXXX ) and applied to the 2nd mortgage ( # XXXX ). Note : I spoke and worked with customer service for 42 mins to get my account straightened out and was assured that it would be correct.
XX/XX/XXXX : Received a letter from PPH regarding a Notification of Payment Deferral for all unpaid monthly payments that were due on or before XX/XX/XXXX for the second mortgage ( # XXXX ) in the amount of {$180.00}. ( Exhibit 12. ) Note : that these deferrals were not needed because PPH received my XX/XX/XXXX and XX/XX/XXXX mortgage payments on XX/XX/XXXX.
XX/XX/XXXX : Received my monthly PPH XX/XX/XXXX statement. ( Exhibit 13. ) PPH applied the reversed payment in the amount of {$370.00} as extra principal to the second mortgage ( # XXXX ) and put {$1.00} in unapplied fund. Note : this was not extra principal. This was my XX/XX/XXXX and XX/XX/XXXX mortgage payments.
XX/XX/XXXX : Call PPH to inquiry about the 2nd mortgage payment being applied to principal. PPH customer service informed me that they sent me a Notification of Payment Deferral for the month of XX/XX/XXXX, which I informed them I never received and did not ask for. PPH had already received my XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX. ( See Exhibit 6. ) Note : Per PPH, contact is supposed to be made at the end of each forbearance. PPH has not made any contact with me to discuss any financial hardship or any other mortgage assistant.
The agreement with PPH was for a 2-month mortgage forbearance that was due XX/XX/XXXX in the amount of {$1500.00} for both accounts ( # XXXX ). I made sure the payment was received by XX/XX/XXXX. It is XX/XX/XXXX, and I am still trying to have my payments applied correctly. PPH deliberately and intentionally did not apply my payments to my account. The only thing going on with my account is the interest that PPH is getting. Note : Per my contract, I have until the XXXX of each month before a payment is considered late.
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| 07/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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We discovered when attempting to obtain a payoff amount for the existing loan, that we had become subject to loan modifications in the form of a balloon payment and a SAM without our knowledge. XXXX XXXX was dropped from the loan documentation without notice resulting in her being unable to access account information, make any changes, or even discuss the loan.
The backstory for this begins with a woman from Minnesota XXXX XXXX who had loaned money to XXXX XXXX, an uncle here in XXXX. Through a mutual friend of XXXX 's the niece who had been ejected from a local motel, was brought to the home of the XXXX 's. Subsequently, they offered her a place to stay on promise of her paying rent as soon as she got a job.
During this time ( XXXX ), the XXXX 's were in danger of losing their property to foreclosures. XXXX recommended XXXX as a " fixer '' and the XXXX 's asked for his help with their bookkeeping, and he then offered to help them with the foreclosure problems. Amazingly enough, a few phone calls later, the initial mortgage company XXXX, predating OCWEN, withdrew the foreclosure notices.
In XXXX of XXXX, XXXX, according to the documents shown as Exhibit A ( which include a cover letter by XXXX ), falsified a Power of Attorney to represent the XXXX and to conduct business on their behalf in all matters related to their mortgage account. In it, he claimed to be fully authorized to negotiate the terms and conditions of the mortgage loan and modification agreement and proceeded to make changes with OCWEN ( the current mortgage holder ) that were not revealed until some time later. We have also included as Exhibit B a draft of same addressed to XXXX.
XXXX moved in to the house during XXXX of XXXX and signed a rental agreement drawn up by the owners for one year ( XX/XX/XXXX thru XX/XX/XXXX ). The original rental agreement has been misplaced among papers. In XXXX, the owners prepared another rental agreement for signature and it was voided by XXXX and a Lease Agreement was created for period XX/XX/XXXX to XX/XX/XXXX ( Exhibit C ). Exhibit C was signed by both the owner and XXXX. Please note the signatures because this is the last and only document signed by the owner.
The next document prepared by XXXX was a Lease Purchase Agreement to be in effect XX/XX/XXXX for three years ( Exhibit D ) during which time the Tenant could pay the Mortgage Lien on the property at any time to take possession of the property. Exhibit D reduced the monthly amounts due from {$700.00} to {$610.00}. [ Please note that the amount of {$610.00} was the exact amount of the mortgage payment only obtainable from the mortgage company. ] Most glaring was the obvious falsification of XXXX XXXX 's signature. [ Note : when comparing both signatures from the Exhibit C, it is evident that either XXXX 's signature on Exhibit C was falsified, or is falsified on all subsequent documents because they do not match. ] Exhibit E is a copy of the the Lease Purchase Agreement and has XXXX 's comments pointing out the fraud it contains. Exhibit F is a page that XXXX found that was one of many signature pages signed by XXXX for use by XXXX, according to XXXX.
At no time was there ever received any monies from either XXXX or XXXX which violated the terms of the rental agreement and Lease Agreement. The owners were advised by both XXXX and XXXX that payments were being made directly to the mortgage company. To that end, the owners discovered later that XXXX had authorized access for XXXX without their permission. Furthermore, where there had been monthly statements received by the owners, now there was no communication from the mortgage company to the owners. Sensing there were issues involving Ocwen, the owners began attempting to obtain documents that would provide them with the loan status. It took two years to finally accumulate sufficient information to determine that the loan was in jeopardy. The true intentions to force the sale of the property and enable XXXX to obtain the house in a short sale didn't come out until after the attorneys were brought in to assist in the eviction of XXXX.
XXXX is an XXXX year old senior citizen, fathered XXXX children and XXXX XXXX more and they are all creative, successful, and self-supporting individuals. XXXX is a former XXXX active in his church and community and although we can not ascribe intention to Ocwen during this period, we can describe the effects on the XXXX and their finances.
By Ocwen failing to properly " vet '' or screen every person seeking information about the XXXX 's account, they were subjected to gross fraud. In his communications with Ocwen, XXXX complained that when he would call in, there was no requirement to authenticate himself, not even a password. Further, Ocwen 's obligation to protect the XXXX 's right to ownership was so lacking that even people taking calls at Ocwen did not know that the XXXX 's were the owners.
In XXXX, Ocwen forced the owners to pay for flood insurance even though they had been provided documentation by FEMA that the house would never flood. These forced flood insurance payments added thousands of dollars to the mortgage payments.
Some time prior to XXXX, as a part of the restructuring undertaken by XXXX, Ocwen applied various types of modifications to the original loan. These included balloon notes, ARMs, and SAMs. These did not surface until XXXX when the owners attempted to refinance their residence. When the owners objected to the modifications, specifically the SAM, by initially charging {$8000.00} and in response to the owners complaint raised it to {$15000.00}, then a third time when the owners complained, they raised it to {$77000.00}. Please note, the original payoff for the house in question was {$54000.00}!
Learning of this abuse, the owners contracted with an attorney to assist them in the removal of the " tenant '' XXXX ; however, even though a sitting judge declared the documents used by XXXX as forged, the owners were told no criminal charges would be filed against XXXX, that these were civil matters.
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| 03/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my new mortgage with XXXX XXXX on XX/XX/XXXX. Shortly after, my mortgage was sold to PHH. At closing I was given a check for my XXXX tax bill and was instructed to pay the XXXX taxes on my own. We would be escrowing for the XXXX tax bill that would be disbursed in XX/XX/XXXX. I paid my XXXX tax bill in full on XX/XX/XXXX. I noticed on XX/XX/XXXX that {$2700.00} was disbursed from my escrow account on XX/XX/XXXX to pay the first installment of my XXXX tax bill. This left me with a negative escrow balance of {$1100.00}. I emailed PHH immediately to see why they disbursed the first installment when I had paid my taxes in full 3 weeks prior. I asked them to please research what happened and let me know the resolution. I also told them I assumed they would be receiving a refund from the municipality. On XX/XX/XXXX I received a response that stated they have forwarded my request to their Tax Department and to allow ANOTHER 5 business days for a response. I had not received a response from the Tax Department within 5 business days so I emailed again ( on XX/XX/XXXX ). I told them I needed to make sure they would be receiving a refund from the municipality. I asked again for them to research what happened and let me know. They finally answered on XX/XX/XXXX with the following response " We determined that taxes are paid current. Please be advised that for XXXX taxes 1st installment of {$2700.00} due by XX/XX/XXXX paid and 2nd installment of {$2600.00} are due by XX/XX/XXXX borrower payments were applied. Hence, taxes are paid for the year. Detailed are updated in system. We have already requested for an escrow analysis to be conducted on the account, as borrower also paid for taxes. Please allow 10 business days for the process to be completed and additional time for mailing. '' I found this response to be unacceptable. They did not answer my question about my refund. I responded to them on XX/XX/XXXX with the following " You will be waiting until you receive a refund from the county for {$2700.00} before running the analysis, correct? This is the first time I've ever had a mortgage company pay my taxes in 2 installments. We like our taxes to be paid in full the year in which they are assessed ( example XXXX taxes paid before XX/XX/XXXX ) so we get credit on our income taxes. '' PHH responded on XX/XX/XXXX stating the request to reanalyze the escrow account is currently in process. They advised PHH pays taxes when due in 2 installments and told me I could fax my request to the Tax Department to change it. At this point I am frustrated. I responded on XX/XX/XXXX " Have you received a refund from the county? I don't understand why you would run a new analysis prior to receiving a refund. A new analysis will need to be run again once the refund is received. I will call the county if I have to in order to find out what is happening. Is my loan required to escrow for taxes and insurance? '' I received a very generic response on XX/XX/XXXX stating they were still reviewing my request by the appropriate department and to allow for additional time for the review to be completed. I decided to call the municipality myself and verified with two separate people that the only funds they received for my property were the funds I paid on XX/XX/XXXX. They did not receive the 1st installment from my mortgage company so they did not issue a refund. I called PHH on XX/XX/XXXX to let them know that I personally spoke to the municipality and they do not have the money. The person I spoke to said they would open a ticket to get this resolved. I also asked at that time if I could drop my escrow since they didn't answer my question in the email. He informed me he would have to open another ticket for that. I received my new analysis statement on XX/XX/XXXX showing my payment was INCREASING $ XXXX. I called immediately and spoke to a supervisor/manager named XXXX. I told her the entire story from the beginning and explained my frustrations. I told her it was ridiculous that they ran the analysis because I never asked them to. I'm frustrated they can not find the {$2700.00} but I now have to start paying them MORE money. She said she would bring this back to the Tax Department and follow up every 5 business days. I have now received an email on XX/XX/XXXX and XX/XX/XXXX from their ERM Department stating the Tax Department is still working on the request and they will provide a follow up in a week. I received a letter denying my request to drop my escrow on XX/XX/XXXX but I have not gotten a resolution to my escrow funds issue. They send multiple emails a week soliciting refinance opportunities. My husband even received a call from PHH to discuss the possibility of refinancing. I finally had enough last night and emailed them the following " I am trying my hardest to be patient but it's wearing thin. I've been trying to get an answer on this since XX/XX/XXXX. I work in mortgage servicing. I deal with tax issues daily. We would have searched to see if the check sent for the taxes cleared. If it didn't, we'd place a stop pay on the check and get the money to the borrower. If it did, we'd be in contact with the municipality to try to find out where that money is. And it would take a week max! Two months with no resolution is unacceptable. I find it completely absurd that you lost my {$2700.00} and still expect me to pay your more money with my XXXX payment. I expect this to be resolved prior to and my payment lowered back down. I also find it ridiculous that I have to wait 12 months from origination/acquisition to drop the escrow. My LTV is below 80 % and we've never been late. I don't trust you to handle paying my taxes and insurance in a timely manor. While we're at it. Please stop sending refinance emails. I would refinance with a completely different company before I ever refinanced with you. You should take the effort being used for sales pitches and put it into finding my money. '' I'm not sure what else to do. I feel like I've exhausted my options and I still don't have a resolution.
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| 04/16/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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That this is the 3rd Complaint on OCWEN, XXXX XXXX XXXX and the 2nd on XXXX XXXX. That I have been told by the IRS to ignore a 1099 filed by OCWEN With the following evidence that has been filed with the IRS that is attached.
That the following information and all other information needs to be given to XXXX XXXX XXXX 1. Any and all loan information that shows that XXXX got a loan from OCWEN.
2. Who is involved with and all information, documentation of the agreement with XXXX XXXX to harass and purchase the home in a short sale, when the home is in the name of XXXX XXXX XXXX XXXX XXXX et al XXXX yet XXXX XXXX XXXX and OCWEN 's attorneys want XXXX to short sale after a foreclosure?
3. How long and how many deals they have done in this fashion?
XXXX XXXX XXXX XXXX.
XXXX VA XXXX XXXX XXXX XXXX ( XXXX ) XXXX FRAUD - XXXX XXXX XXXX Back Securities that do not exist / a Bait & Switch type Enterprise / Scheme by XXXX XXXX XXXX XXXX. and OCWEN XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX asks XXXX Are you interested in a short sale XXXX stated clearly NO and then asked by XXXX XXXX if I had gotten a recent call about selling the home you will notice this TEXT sent XX/XX/XXXX. XXXX as he states has contacted me in the past and even had been given my daughters phone number in the past. The Question Becomes : XXXX XXXX by lawyers and WHO ELSE harassing and forcing short sales on illegal foreclosures XX/XX/XXXX Phone call between OCWEN, XXXX XXXX XXXX and XXXX XXXX XXXX aka XXXX XXXX XXXX Virginia, XXXX, where OCWEN informs XXXX XXXX XXXX and XXXX XXXX XXXX acknowledge that on or around XX/XX/XXXX they had received notice from OCWEN not to foreclose. They then received from the Investor that no matter what they were to foreclose - ignoring what ever OCWEN said. XXXX : XXXX? XXXX & XXXX On XX/XX/XXXX OCWEN Loan Servicing held an illegal foreclosure on XXXX XXXX XXXX XXXX, XXXX VA XXXX. The property owner then and legally still today is XXXX XXXX XXXX. Video XX/XX/XXXX The foreclosure XXXX XXXX XXXX XXXX On or around XX/XX/XXXX a Trustee Deed was filed on the property that XXXX XXXX XXXX XXXX XXXX , as Trustee for XXXX XXXXXXXX XXXX XXXX XXXX XXXX , Asset Backed Certificates, Series 2005-2 Trustee for XXXX XXXXXXXX ( Mtg Back Security does not exist ) see attached On or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX would file in the courthouse of the City of XXXX in response to a Subpoena by XXXX that they had no interest in this foreclosure or this home - see attached On or around XX/XX/XXXX XXXX received from OCWEN a Fraudulent 1099-A Acquisition or Abandonment of Secured Property Information Returns that stated they OCWEN not Servicing, not LLC only OCWEN is / was the lender on the loan ( OCWEN on its own does not exist as an entity ). The IRS has deemed this 1099 from evidence presented to be FRAUDULENT and has told XXXX XXXX XXXX to ignore such 1099 while Criminal Investigation is starting. See attached - It should be noted XXXX XXXX XXXX is still in home.
OCWEN Entities found : Ocwen Loan Servicing, which is licensed to service mortgages in the state, used unlicensed affiliate offshore companies to perform activities considered residential mortgage loan servicing. Ocwen Financial Solutions Private Limited, operating out of a location in XXXX, and Ocwen XXXX XXXX, operating out of a location in the XXXX, to conduct servicing activities on residential mortgage loans. VA XXXX states OCWEN is Licensed as : XXXX OCWEN XXXX XXXX, XXXX.
XXXX XXXX Active XXXX OCWEN XXXX XXXX XXXX, XXXX.
XXXX XXXX Active XXXX OCWEN XXXX XXXX XXXX XXXX XXXX XXXX Active XXXX OCWEN LOAN SERVICING, LLC XXXX XXXX XXXX XXXX Active OCWEN filed a 1099-A Acquisition or Abandonment of Secured Property with the IRS where Ocwen was not a secured creditor.
Ocwen Financial Corporation is a provider of residential and commercial mortgage loan servicing, special servicing, and asset management services, which has been described as " essentially debt collectors, collecting monthly principal and interest from homeowners ''. Ocwen is headquartered in XXXX XXXX XXXX, Florida, with additional offices in XXXX, Texas, XXXX, Florida, XXXX, Texas, XXXX XXXX, California, XXXX XXXX, XXXX XXXX XXXX, and Washington, D.C. It also has support operations in the XXXX and XXXX.
Ocwen under 26 U.S.C. 7434 willfully filed fraudulent 1099 information returns with the IRS 26 U.S.C. 7434. Civil damages for fraudulent filing of information returns. That OCWEN never lent any money to XXXX XXXX XXXX thus suffered no financial loss and was not a secured creditor under any state property laws. That the XXXX XXXX and OCWEN acting as the Servicer at all times stated clearly that XXXX XXXXXXXX XXXX was the lender and or XXXX XXXXXXXX XXXX XXXX XXXX, as Trustee for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Asset Backed Certificates, XXXX XXXX Trustee for XXXX XXXXXXXX ( Mtg Back Security does not exist ) see attached.
OCWEN separately or in concert with one another, engaged in a scheme to defraud in which, acting knowingly or in deliberate ignorance of, or with conscious disregard of, the truth, they made false and misleading representations and omissions of material facts to investors and rating agencies. In pursuit of this fraudulent scheme, the Defendants repeatedly engaged in dishonest and deceitful actions that deprived investors of something of value. OCWEN had an intent to defraud XXXX XXXX XXXX acting with an intent to deceive and in contemplation of actual harm to the property interests of XXXX XXXX XXXX, they made false and misleading representations and omissions to XXXX. When they made these representations and omissions, OCWEN et al knew that their statements were false, or else they were aware of a high probability that their statements were false and they consciously avoided confirming that suspicion. OCWEN also knew at that time that a necessary consequence of their fraudulent scheme, if it were successful, would be injury to XXXX XXXX XXXX, and they consciously intended for this injury to occur.
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| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. PHH MORT SVC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 180 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with PHH MORT SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been paying {$1100.00} per month since XX/XX/XXXX. I was 2 payments behind at that time. I sent in {$1100.00} each month never late since XX/XX/XXXX. On XX/XX/XXXX the Loan Retention Department for Ocwen Loan Servicing called me to inform me that they can not accept any more payments from me as of XX/XX/XXXX. I am now 90 days pass due, and I am about to go into Foreclosure. My payment went up to {$1200.00} in XX/XX/XXXX, according to Ocwen Loan Servicing. So, I have missed 2 payments, now I am 4 months behind. I sent in the payments of {$1100.00}, but were not accepted by Ocwen. I did not get any notice that my payment had increased to {$1200.00}. I speak to my Relationship Manager, XXXX XXXX each month, probably several times in a month, or anyone who is taking his place on the day that I call. His telephone number is XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX at approximately XXXX XXXX. regarding the above issues. XXXX XXXX reminded me that I am under Modification Review at this time, should I be denied Modification, He will schedule a repayment Plan of a down payment of {$2300.00}, ( which is the total of the 2 payments which are being returned to me ). The XXXX XXXX suggested that I would have a payment monthly for 5 to 11 months to catch the payments up and all the charges, legal fees, late charges, all arrears, etc. which are in access of {$8500.00} payments. Mind you, I was only 2 payments behind up until XX/XX/XXXX and XX/XX/XXXX. Each payment of {$1100.00} was made timely. These payments were made timely each month from XX/XX/XXXX until XX/XX/XXXX. I was never advised of my payments being increased until XX/XX/XXXX by phone, from the Loan Retention Department. I never received a letter or notice until XX/XX/XXXX which was verbal communication by phone. After I was told of this, I called XXXX XXXX XXXX, Office of the CEO , XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. XXXX did some research, so she claimed, and stated to me that in XX/XX/XXXX, when an analysis was done in XX/XX/XXXX, there were errors made. My payment was incorrect. It should have never been {$1100.00}. The miscalculation was the fault of their computer system. My question is why should I have to be penalized because of a computer error. I was paying {$1100.00} as was agreed between Ocwen Loan Servicing and myself. XXXX XXXX went on to tell me that there is nothing she can do about this.
I had spoke with XXXX XXXX of the Consumer Ombudsman Department on XX/XX/XXXX regarding the Modification Process. I was repeatedly sending in documentation to the Underwriting Department. Each time I sent an updated document, another one was outdated. I asked XXXX XXXX if she could help me. She instructed me to email or fax documentation as requested to her, and she would forward to the Ocwen Underwriting Department. I sent the requested documentation to the attention of XXXX XXXX XXXX at email : XXXX. Also, to Fax Number : XXXX XXXX XXXX. It was verified that she did receive the information, and she would forward to the Underwriting Department ( Team ).
It was verified by XXXX XXXX XXXX today, and also by XXXX XXXX on XX/XX/XXXX, the package was complete, and my Modification Review is in process. It may take up to 30 days to get an answer from the Underwriting Department Team. I informed XXXX XXXX, my Relationship Manager that I would call each day until I know what the decision is regarding the Modification, that I have been trying to obtain since XX/XX/XXXX. It has practically been 1 year now, and I still do not know what is going to happen as far as a Modification for me that is acceptable and fair. I have sent in documentation over and over, this is the first time, a complete package has been received according to the Underwriting Department. I involved the CEO 's office XXXX XXXX XXXX at XXXX XXXX XXXX who sent the documentation which I provided to her as was requested by the Underwriting Department.
NACA has been my advocate since I started this process with Ocwen Loan Servicing. XXXX XXXX XXXX, Ext XXXX, ( XXXX ) XXXX XXXX, is my Advocate with NACA. I don't feel that they have been on top of their game as far as an advocate should be.
I can not afford to pay {$1700.00} per month for 5 months nor 11 months to catch up arrears. I need help. That is why I filed for a Modification at the on start of this issue. I realized that I could not catch up the 2 late payments of {$1100.00}. So, I filed for a Modification of my Loan.
I never received a written notice, nor a telephone call from Ocwen regarding the miscalculated payment amount. Each time I called into the Relationship Manager Department for Ocwen Loan Servicing, XXXX XXXX XXXX nor anyone on his team instructed me of this change or shortage. I always asked if my payment was received, they would verify, " yes it was received. '' It was never mentioned that I was short, the payment was not accepted, nor any other communication regarding my payment change. That information should have been in the computer and the Relationship Manager should have made me aware of this issue immediately.
I wish to file a legal suit again Ocwen Loan Servicing, and all persons involved and named herein. Can you help me? I do not wish to lose my home, and it would be a struggle to maintain the payments should they go up to {$1200.00} and/or {$1700.00} for 6 to 11 months according to XXXX XXXX XXXX That is not helping me. I wish to continue paying {$1100.00} per month or less of a payment would be even better for me. I should not be penalized for a computer error in XX/XX/XXXX by Ocwen Loan Servicing, LLC. I want Ocwen to accept my payments for XX/XX/XXXX and XX/XX/XXXX in the amount of {$1100.00} immediately, with no late charges attached. It is not my fault that Ocwen Loan Servicing, LLC had computer problems and the mortgage loans was miscalculated according to Ocwen Representative XXXX XXXX XXXX. I followed the agreement between Ocwen Loan Servicing, LLC and XXXX XXXX XXXX as was put into place in XX/XX/XXXX.
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| 07/21/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear CFPB, I am submitting a complaint to you regarding my loand with OCWEN Loan Servicing. OCWEN acquired my loan in XX/XX/XXXX. As is often the case, mortgage companies transfer loans to other companies without customer knowledge until after the acquisition. I had no idea then how bad it could get with this company. OCWEN has a very poor performance of payment processing and then charges customers excessive additional late fees. There are unexplained charges on my account, totaling over {$3700.00}. Every three months or so they charged for title report fees and property inspection fees and title searches and property valuation expenses with no explanations. These fees are unnecessary and I have been overcharged. OCWENs deficient management systems have caused me substantial financial harm, and as my attorney advised me, violated consumer regulations. OCWEN must refund these charges. Along with the padded charges, my over arching problem lies in the Shared Appreciation Modification I have with OCWEN. Their inability to accurately monitor the Ocwen SAM program caused them to send confusing and misleading escrow statements. Ocwen did not have any procedures in place to detect escrow statements that contained SAM accounting entries. I have made timely monthly payments for the entire duration of the SAM, established in XX/XX/XXXX, except for a setback six months into the agreement. Those missed payments were all repaid soon after, and to this day I have remained current. I am requesting a release of liability from my SAM with OCWEN. This is my story. As I stated earlier, my relationship with OCWEN began in XX/XX/XXXX. Due to medical XXXX, I suffered loss of income for an extended period of time, and consequently fell behind in monthly mortgage payments by a few months. OCWEN sent letters threatening foreclosure. When I spoke with them to work out a resolution to avoid foreclosure, they advised me to enter into a Shared Appreciation Modification. On XX/XX/XXXX, I paid all outstanding payments and then signed the SAM contract. OCWEN lowered my balance from {$210000.00} to {$130000.00} with a Shared Waive Adjustment of {$91000.00}. My attorney has since advised that the SAM contract is vague and missing legal consumer protection clauses, probably making the contract illegal. Six months into the modification I fell behind due to continued medical issues with XXXX XXXX in my neck. By XX/XX/XXXX I was able to repay all outstanding payments and get back on track. I have paid on time every month since then and I am current with payments. I was never notified by OCWEN that my SAM had been cancelled. Last year, XXXX of XXXX, my circumstances became such that I needed to sell my property. I contacted OCWEN to inquire about my balance due. Phone communication with OCWEN is difficult at best with long wait time on hold only to speak with customer service representatives who are from XXXX. They can not be understood with thick accents and inability to comprehend the issues. Phone conversations would become repetitive and then I would be transferred to another, and then another. Instead of resolution and explanation, reps would read aloud, over and over again, the very same words I was seeing on my computer screen from the website as I was talking with them. That said, and after days and days, hours and hours of plowing through broken communication, I was able to speak to an OCWEN representative who absolutely confirmed that the Regular Principal Balance listed on my monthly statement was, in fact, correct. He adamantly stated that the only principal I was responsible to pay off was the interest-bearing portion of my principal, and that {$91000.00} had been waived. I asked him to check and recheck, and he confirmed. So, based on that, I borrowed funds and took personal funds to fix up my house so that I could sell it for as much as possible. The house went on the market in XX/XX/XXXX. By the end of XXXX I had interested buyers. I requested a Payoff Quote from OCWEN. What a shock - the representative had misled me. The payoff included the waived balance of {$91000.00}, even though he had reported to me that it had been waived. Upon questioning OCWEN as to the discrepancy, I was assigned a Relationship Manager. The RM agreed that I had been given false and incomplete information, and yet took no responsibility. Obviously I could not sell because this immediately put me underwater, plus the money I borrowed and invested to get the house ready for sale. I took the house off the market. The {$91000.00} Waived Balance is extraordinarily high, and the house will never be worth the amount OCWEN is demanding for payoff. How is the Shared Waived Adjustment amount calculated? In all my research I can find nothing to explain that. The current market value of the house is {$170000.00}. My principal balance including the waived balance is {$210000.00}. I have been damaged severely by OCWENs actions to date, and I can not see any way out. Taking a hard look at my situation before entering into the SAM compared to my current financial picture with OCWEN, I have made near to no progress in paying down the loan. It is inconceivable to me that before I signed into the SAM on XX/XX/XXXX, my principal balance with OCWEN was {$210000.00}. Now, after four years ( 52 months ) of making payments on time, except for one instance a few months into the SAM, my principal balance is still {$200000.00}. It makes absolutely NO sense that after paying OCWEN over {$52000.00} over the past 4 years, my current principal balance is only reduced {$3400.00}! The many recent lawsuits against OCWEN clearly state that the company was not to do this kind of action any longer, but they continue to be the Winner and the consumer continues to be the Loser. OCWEN is penalizing me {$91000.00} for one incident of a few late payments, placing me in an untenable position. I request that OCWEN credit my account for the many unnecessary fees and charges, and waive the SAM adjustment.
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| 04/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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At the time that my mortgage on XXXX XXXX XXXX, XXXX CA XXXX was previously successfully modified by OCWENs Home Retention Division in XX/XX/XXXX, the Company continued to remain negligently unaware that the subject property was not located on one property parcel ( Parcel # XXXX ), but rather two ( Parcel # XXXX and # XXXX ). This is despite the letter that I wrote dated XX/XX/XXXX to OCWEN, in which I diligently attempted to make the Company aware of their quite consequential error. My letter was ignored, as were my attempts to make this reality known to Customer Relationship Managers over the phone. Thus, while OCWEN properly established an escrow account to ensure that XXXX XXXX property tax payments were made in full and on time for the lot with Parcel # XXXX, the same payments were entirely neglected for Parcel # XXXX. Over the ensuing years, this then negligently resulted in unpaid back property taxes totalling over 44K by XX/XX/XXXX, whensingularly through my initiative and over time in collaboration with the OCWEN Consumer Ombudsman Officethese overdue taxes were then paid off in full just prior to the property becoming legally subject to the Countys impending Power to Sell. Through the Companys negligent inaction, it had thus risked my familys home, our financial livelihood, and our well-being, not to mention the homes and well-being of our tenantsonly in the 11th hour doing the right thing and paying off the account. However, because to their neglect of this second parcel, at the time that the terms of my previous mortgage modification were finalized in XX/XX/XXXX, these terms neglected to take into account the ongoing tax costs associated with this second parcel. The resulting mortgage modification is thus fundamentally flawed and entirely for unnecessary reasons that rest on OCWENs past negligence and errors in properly managing their accounting for this property. While my current adjusted payment of {$2800.00} is indeed manageable for myself and my family on an ongoing basis, demonstrating the basic reasonableness of the financial analysis that led to it in the first place, now that the escrow account has undergone its review and needs to now be reimbursed for this single large payout of over $ 44Kthe result would be that our monthly payments would instead ratchet up to {$4200.00}. Not surprisingly, based on OCWENs own previous financial analysis, this amount is far more than we can sustainably pay on a monthly basis. Thus next month I am again facing a payment that I can not make, should not have to make, and will not makeall due to OCWENs past mistakes and poor accounting, not my own.
Due to the above reasons, OCWEN 's Consumer Ombudsman 's Office has agreed to serve as an internal liaison to their mortgage modification division, expressly to safeguard me from being legally responsible for the {$4200.00} XX/XX/XXXX payment that is currently about to unfairly come due. Instead, they have agreed to fasttrack my application so that it can go through with approval prior to the XX/XX/XXXX payment deadline. It is for these reasons that I found it especially disturbing to receive a letter from OCWEN dated XX/XX/XXXX which appears to once again resort to OCWEN 's corporate policy of general delay and obstructionism with regard to mortgage modification. While one hand is promising expeditious treatment for just reasons, the other is throwing up the needless redtape that so often characterizes OCWEN 's extremely poor track record of customer relations.
The letter claims that OCWEN is " not able to evaluate your request for mortgage assistance because you have not submitted all the required documents ''. It then goes into some detail about what supplementary info is still required : 1 ) " Please complete the enclosed Request for Mortgage Assistance Form ( signed and dated by all contributing parties '' = > No such form is " enclosed '' with the letter sent. This is also the name of the entire document, so essentially they are asking me to start from scratch, filling out the entire very lengt
hy application that they have then not bothered to provide.
2 ) " The following section should be resent : Borrower Acknowledgment and Agreement '' = > This is the name of Section 14 of the application document, only trouble with what they say is, it was filled out completely and signed on XX/XX/XXXX and sent via email on XX/XX/XXXX to OCWEN. They are simply lying here. The document only requires a signature of the borrower ( there 's only one, me ) and the date. It has both. The very idea that they would ask me to resubmit such an obviously complete and very simple document is insulting. 3 ) " The following section should be resent : Hardship Statement '' = > Similarly, they are only again asking me here to submit a form that I have already submitted completely. I filled it out in full, signed it, and dated it on XX/XX/XXXX. OCWEN received it XX/XX/XXXX. I queried one of OCWEN 's Customer Relationship Managers extensively to be sure that I checked off all the correct boxes on the form. I provided a detailed page-long explanation of our hardship that is nearly identical to the opening paragraphs of this complaint. It is very difficult to imagine how what I provided is insufficient to evaluate my request for mortgage assistance.
4 ) " Please return documentation from the provider showing the amount and frequency of the other benefit, such as letters, exhibits, or benefits statement. '' = > Apparently, my wife is supposed to provide something additional here, though exactly what was requested was what was supplied, again after extensive querying of an OCWEN Customer Relationship Manager. However, this request is stated so generally ( " documentation '' " provider '' " benefit '' ) that it almost appears to intentionally obscure what proof is being requested. Since they have all the documentation to make the request specific, and thus something which could be properly answered, why do they do nothing of the sort?
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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XXXX Credit Reporting on Friday XX/XX/XXXXattempted to call all of XXXX phone numbers in responding toXX/XX/XXXX credit report spoke with XXXX, send in 33 copies Proving Medical ( 2 ) debt was Paid in full over a year ago still remains uncorrected.
I have placed security freeze, fraud alerts also have reported they have fraudulent address on my report XXXX XXXX, La neither myself or my husband has never visited or lived in XXXX XXXX, LA!
I also reported previously fraud identity issues where someone attempting to purchase a vehicle in XX/XX/XXXX in XXXX, La when we had not even been to that town?
I stayed on the phone attempting to get a call through Friday XXXX-XXXX XXXX No departments accepting calls? My social security number was put in about 01 to 19 times to verify identity there should be another form to prove your identity then the call disconnects itself. I call FTC and Consumer Finance.Gov to get a phone number to XXXX where I could talk to a live representative same thing automated requesting social security then disconnects call. Could not get through to the Fraud, Credit freeze All departments same thing? I also called the media to complain due and investigate? I was never connected to a live representative always automated system requesting social security number then disconnects call! That recording no telling how many people had XXXX have my social security number due to automated system?
I send in 33 copies XX/XX/XXXX some which provide several bills had been paid in full for over a year and still shows on your reports as owed? I spoke to XXXX onXX/XX/XXXX then sent copies and still no corrections have been applied?
Listed under XXXX XXXX XXXX Delinquent account recovery and XXXX XXXX XXXX XXXX XXXX shows balance {$280.00} I have paid {$1000.00} To XXXX XXXX, XXXX fromXX/XX/XXXX-XX/XX/XXXX in which multiple physicians in clinic billed all under same account number # XX/XX/XXXX Medical Bill and sent ( 2 ) certified/ return receipts and no reply or response was sent to me instead reported to collections in which XXXX XXXX , XXXX has reported to collections 12 separate times and has not applied my payments or corrected my balance?
They have also requested payments on same billing charges 2 times in which I paid and received no refund or credit?
I have filed complaint with supporting copies to XXXX XXXX XXXX XXXX XXXX XXXX, LA. I sent all these supporting copies onXX/XX/XXXX. In last 10 months of Bankruptcy due to fraudulent mortgage not recording payments which I also filed complaint XX/XX/XXXXand took till XX/XX/XXXX until sent response shown no record of payments but, I found error in which they removed from escrow 2 insurance payments 90 days apart totaling {$3600.00} annual insurance is : {$1700.00} Ocwen Loan Servicing paid from escrow {$1700.00} both these amount in 90 day period meanwhile Bankruptcy Attorney had us paying monthly to escrow to pay insurance and also had us pay out of pocket directly to Insurance company also. Bankruptcy paid over {$15000.00}XX/XX/XXXX payment to Ocwen Loan and sinceXX/XX/XXXX to XX/XX/XXXX our principal balance is still at {$72000.00}.
( 23 years later, ) mortgage was also attempting to intimate us into modifying we refused now they are attempting to have us modify our loan again sent paperwork to our Bankruptcy attorney they send modification papers to us and state in letter they did review before sending modification paperwork to us. Motion for property correction in court sinceXX/XX/XXXX and we have received no updates to this motion, from Bankruptcy attorney? mortgage has stated will not correct property description until exit Bankruptcy and court house property description has been filed in court house records corrected since XX/XX/XXXX. Mortgage acquired loanXX/XX/XXXX. Loan # XXXX. Refuses to correct? I want permanently on our record we refuse any modification from Ocwen loan inXX/XX/XXXX and again present date XX/XX/XXXX and do not want any modification. Credit bureau files stated from 2 separate company that we have no open real estate loan and shows {$0.00} balance on real estate XXXX XXXX XXXX, XXXX XXXX # XXXX and Ocwen Loan Servicing, LLC - Loan # XXXX. Have receipts paid to : Ocwen Loan, XXXX XXXX XXXX, And XXXX XXXX all under loan number # XXXX.
also have billing issue with XXXX XXXX which asXX/XX/XXXX XXXX class action suite vs XXXX XXXX. Actual amount owed {$19.00} in which they over charged {$50.00} for unreturned equipment in which I have copies XXXX XXXX XXXX tracking number 4 returns, In which returned on 1 issue Tuesday, XX/XX/XXXXThen recharged {$99.00} ( 3 ) months later after returning equipment have XXXX tracking slip proof equipment returned. XXXX Class action suite for over charging customers, kept interrupting services and attempting to charge from XX/XX/XXXX to XX/XX/XXXX services were stopped XX/XX/XXXX and XXXX put in their system false date of XX/XX/XXXX. Delayed sending return slip from XX/XX/XXXX toXX/XX/XXXX then attempting to charge and had no services afterXX/XX/XXXXXX/XX/XXXX.
In XX/XX/XXXX called me continually doing repeatly while on Do not call list for 5 years now. I have recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also have 30-40 e mail proof of incident records, XXXX stated as receiving no payment inXX/XX/XXXX I have their e mail payment confirmation on that payment and many others as proof.
Sincerely Yours, XXXX XXXX On TueXX/XX/XXXX at XXXX XXXX XXXX wrote : XXXX To ensure that youll receive emails from us, please add XXXX to your address book. To unsubscribe or change your preferences, please click here.
Privacy Policy XX/XX/XXXXXXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.
XX/XX/XXXX XXXX, Inc., an XXXX company. All rights reserved. XXXX XXXX XXXX XXXX TX, XXXX, US XXXX Also unable to login to CFOB and has nit sent in new login link after several request by e mail and on phone?
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| 08/16/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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We have requested numerous times for a complete and entire review of our mortgage account so that we may have a credit retraction and correct credit reporting on our credit file but to no avail with this mortgage company. We missed a mortgage payment around XXXX of XXXX with PHH Mortgage, we received documentation with different addresses for the mortgage company on where we can send payments to, to catch up on the mortgage. We sent in a check for XXXX, the check was received and applied to our account. We sent another check in XXXX for {$2200.00}, this check went missing WITH PHH MTG for approximately 3 months, the entire time they were saying that they did not received the payment, during this time they defaulted on our loan, put the house in foreclosure. I went to the bank every two weeks to find out if the check had been cleared, they continued to say no and that I could not give a refund on the check because it was a draft, somewhat like a money order and I had to wait 90 days. I called PHH MTG consistently and at a certain point, they would not accept payment over the phone, nor would they accept the payments to be mailed in.
PLEASE HAVE THEM PRINT THE PHONE LOGS AND LISTEN TO THE RECORDINGS OF THE NUMEROUS REPS/SUPPOSED MANAGERS THAT I HAVE SPOKEN TO COUNTLESS TIMES DURING THIS EXTREMELY STRESSFUL TIME PERIOD. Miraculously on the 91st day, I went to the bank again to get a refund since the draft had never been cashed and I was told that the draft had been cashed. I IMMEDIATELY CALLED THE MTG COMPANY AND WAS TOLD THAT THE CHECK HAD BEEN LOCATED BUT NO ONE CAN SAY WHERE IT HAD BEEN FOR 3 MONTHS!!! THE MTG COMPANY THEN AGREED TO PUT US ON A PAYMENT PLAN, THEY RESCINDED THE FORECLOSURE DJE TO THEIR ERROR ON MISPLACING OUR PAYMENT. WE WERE TOLD THAT ONCE WE MADE ALL OF THE PAYMENTS ON THE REPAYMENT PLAN ON TIME, WE WOULD BE CAUGHT UP ON OUR MORTGAGE AND ALL WOULD BE WELL. WE MADE ALL OF THE PAYMENTS ON THE REPAYMENT PLAN AND WE ARE NOW CURRENT ON OUR MTG AND BACK ON AUTOMATIC PAYMENTS. On XX/XX/XXXX statement, I noticed charges of $ XXXX for fees, I immediately called PHH and asked, what are these fees for, the rep informed me for late fees, I asked WHAT LATE FEES, we were just on a repayment plan for approx 6 mos making DOUBLE PAYMENTS and we were never late on the repayment plan, she stated they were fees for before the payment plan, THIS IS LUDICROUS!!! XX/XX/XXXX statement comes, and now THERE ARE $ XXXX ADDITIONAL FEES, I AGAIN CALLED THE MTG COMPANY AND ASK WHAT ARE THESE FEES FOR, THE REP STATES THAT THEY ARE FORECLOSURE FEES, I INFORMED THE REP THAT THE FORECLOSURE WAS DUE TO THEIR ERROR AND ONCE THEY NOTICED THEIR ERROR, THEY RESCINDED THE FORECLOSURE - WHY SHOULD WE HAVE TO PAY FOR THEIR ERRORS, THE REP RESPONDED, YOU ARE GOING TO HAVE TO PAY THE FEES. I REQUESTED TO SPEAK TO A MANAGER WHO STATED THAT HE WOULD CONDUCT A REVIEW AND CALL ME BACK IN APPROX 5 BUSINESS DAYS, OF COURSE, I NEVER GET A CALL BACK AND APPROX TWO WEEKS LATER RECEIVE A LETTER IN THE MAIL INFORMING ME THAT WE ARE GOING TO HAVE TO PAY THE FEES. WE THOUGHT OCWEN WAS THE WORSE MTG COMPANY EVER BUT I CAN TRULY SAY THAT PHH HAS THEM BEAT!!! WE ARE ADDING MY PAYMENTS FROM MY ONLINE ACCOUNT WITH PHH AND MY LINE ITEMS FROM BY BANK STATEMENTS SHOWING THE TWO PAYMENTS FOR THE {$2500.00} AND {$2200.00}. WE ARE REQUESTING A COMPLETE REVIEW OF MY ACCOUNT SINCE PHH TOOK OVER AND WED AM ASKING FOR A THORUGH WRITTEN EXPLANATION OF THE REVIEW OF MY ACCOUNT TO INLUDE EVERY PHONE CALL THAT WAS MADE AND TO WHO I SPOKE TO. WE ARE SEEKING A CREDIT RETRACTION OF OUR CREDIT REPORT TO REPORT THE CORRECT PAYMENTS OF ALL THREE CREDIT BUREAUS EXPEDITIOUSLY!!! WE ARE REQUESTING THAT THE FORECLOSURE FEES BE DISMISSED DUE TO OUR MTG BEING PLACED IN FORECLOSURE ERRONEOUSLY IN THE FIRST PLACE AND IF IT WAS NOT, EXPLAIN WHY IT WAS TAKEN OUT OF FORECLOSURE! IT IS ABSOLUTELY AFWUL THAT MY HUSBAND AND I, BOTH RETIRED VETERANS ARE BEING TREATED WITH THIS MORTGAGE COMPANY!!!
BANK STATEMETNS OF DRAFTS XX/XX/XXXX OFFICIAL CK XXXX XX/XX/XXXX OFFICIAL CHECK XXXX PHH Payment History Show All Mortgage Escrow Advances Other Applied Date Payment Type Amount XX/XX/XXXX Principal Only Payment {$200.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXX Escrow Advance {$220.00} XX/XX/XXXX Homeowners Insurance Disbursement - {$3300.00} XX/XX/XXXX Principal Only Payment {$200.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXX Principal Only Payment {$200.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXX Mortgage Payment {$17.00} XX/XX/XXXX Mortgage Payment {$3200.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXX Mortgage Payment {$1900.00} XX/XX/XXXXMortgage Payment {$3200.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$3200.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$3200.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$17.00} XX/XX/XXXX Mortgage Payment {$3200.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$6000.00} XX/XX/XXXX Escrow Advance {$4400.00} XX/XX/XXXX Tax Disbursement - {$4400.00} XX/XX/XXXX Mortgage Payment {$75.00} XX/XX/XXXX Mortgage Payment {$240.00} XX/XX/XXXX Escrow Advance {$2500.00} XX/XX/XXXX Homeowners Insurance Disbursement - {$2900.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$38.00} XX/XX/XXXX Mortgage Payment {$2500.00} XX/XX/XXXX Escrow Advance {$250.00} XX/XX/XXXX Mortgage Payment {$1800.00}XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Escrow Advance {$630.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Mortgage Payment {$1800.00} XX/XX/XXXX Escrow Advance {$630.00} XX/XX/XXXX Mortgage Payment {$1800.00}
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| 05/05/2020 |
Yes |
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- Trouble during payment process
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Web |
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I have contacted PPH Mortgage repeatedly about their unscrupulous practices and what appears to be fraudulent servicing of my loan. They have misapplied or not applied numerous payments throughout my loan in order to drive my loan repeatedly into foreclosure. Last year, I reported the same activity. I make payments. They hold onto those payments and don't apply them to the loan ; then they claim I didn't make the payment, which they were holding ; then filed a foreclosure action against me. The foreclosure, which was padded, was paid in full, based on their false claims. Then right after the foreclosure was paid, they started the same activity.
In XX/XX/XXXX, I received a bill stating I owed {$840.00} to pay off my loan in full. Rather than make two payments, I paid the entire amount that their website, phone and statement said I owed to retire the loan. They took the money, but didn't apply it. The next month, in XX/XX/XXXX, after I had paid the entire amount the bill said was due in XXXX for the entire loan, they generated a new loan statement and said I owed {$420.00} to pay off the loan. I paid that amount, but I called and inquired how I could owe that amount when I had already paid the full amount the bill listed as payment in full. They claimed that they would look into. They claimed I needed to pay an additional amount to retire the loan, but that amount never appeared on any statements.
Each time I paid the amount the bill stated I owed, they generated a new bill with another amount, which is impossible if I paid the full amount the bill stated would pay off the loan. I repeatedly paid the amount they claimed needed to completely pay off the prinicipal. Finally, I stopped paying because it didn't make sense, especially when each time I called them, their phone rep admitted that they were holding the money and didn't apply it. They couldn't say they were waiting to receive enough money in order to apply it, because they were holding twice the amount of money than the new bill they claimed I owed. In XXXX, they asked if I wanted them to apply the money. Why would I send money to pay off the mortgage in full if I didn't want them to apply it to the account. This same conversation has taken place each month for three months.
They have repeatedly reported this bill late, although they are literally holding my money, more than what was owed, and falsely reported it as late. They are listing on the bill that I am 125 days late on a bill that I paid off in full all principal due in XX/XX/XXXX. They are still holding my unapplied funds of over {$840.00} dollars, but state that my loan balance is {$420.00}. It doesn't make legal or logical sense.
This company is crooked and taking advantage of consumers. I am miffed as to why the government continues to allow them to get away with this fraudulent activity. I have recorded every conversation with their reps and they admit that they have been holding my money and not applying it. They continue adding late fees, despite holding my money and not applying it. Why would I keep paying the same bill off over and over again?
Ask for the records of their website statement for the past six months and for the phone recordings in which they told me they hadn't applied funds. Please determine why after I paid the total amount stated in the bill and on the website to complete the payment due, they keep adding one new payment each month. Each payment was stated on the website as the last payment until I paid it, then the new payment was stated to be the last payment, and it continues every month until I just stopped repeating the scam.
Your Loan balance is {$420.00} Loan Details 1 Payments remaining XX/XX/XXXX - XX/XX/XXXX Mortgage Payment Applied : XX/XX/XXXX {$840.00} Due Date XX/XX/XXXX Principal {$0.00} Interest {$0.00} Escrow {$0.00} Other {$840.00} Mortgage Payment Applied : XX/XX/XXXX {$420.00} Due Date XX/XX/XXXX Principal {$420.00} Interest {$4.00} Escrow {$0.00} Other {$0.00} This payment was late by 32 days.
Mortgage Payment Applied : XX/XX/XXXX {$420.00} Due Date XX/XX/XXXX Principal {$0.00} Interest {$0.00} Escrow {$0.00} Other {$420.00} Statement Date : XX/XX/XXXX Account Information Property Address Outstanding Principal Balance ( not payoff amount ) Current Interest Rate Prepayment Penalty Escrow Balance Suspense Balance {$840.00} 6.3750 % No {$0.00} {$840.00} ( I paid {$840.00} ) Statement Date : XX/XX/XXXX Property Address Outstanding Principal Balance ( not payoff amount ) Current Interest Rate Prepayment Penalty Escrow Balance Suspense Balance {$420.00} 6.3750 % No {$0.00} {$840.00} ( where did the {$420.00} come from ) This bill was also generated XX/XX/XXXX Paid Last Month Paid Year to Date Principal {$0.00} {$420.00} Interest {$0.00} {$4.00} Escrow ( Taxes and/or Insurance ) {$0.00} {$0.00} Fees {$0.00} {$0.00} Optional Products {$0.00} {$0.00} Partial Payment ( Unapplied ) * {$420.00} {$840.00} After I complained, they generated a bill also dated XX/XX/XXXX XXXX, but which was put into the account on XX/XX/XXXX and added fees that weren't on the prior bill.
Outstanding Principal Balance ( not payoff amount ) Current Interest Rate Prepayment Penalty Escrow Balance Suspense Balance {$420.00} 6.3750 % No {$0.00} {$840.00} Explanation of Amount Due Principal Interest Escrow ( for Taxes and Insurance ) Optional Products/Other Regular Monthly Payment Total New Fees and Charges Outstanding Unpaid Late Charges, Returned Item Charges, Shortages and Other Fees Assessed Expenses Past Due Payment ( s ) Total Amount Due {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$420.00} {$880.00} {$420.00} {$1700.00} Past Payments Breakdown Paid Last Month Paid Year to Date Principal {$0.00} {$420.00} Interest {$0.00} {$4.00} Escrow ( Taxes and/or Insurance ) {$0.00} {$0.00} Fees {$0.00} {$0.00} Optional Products {$0.00} {$0.00} Partial Payment ( Unapplied ) * {$420.00} {$840.00} Total {$420.00} {$1200.00} Total {$420.00} {$1200.00}
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| 06/13/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Under BORROWER COVENANTS on page 3 and 4 of the Deed of Trust it states that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. I have been and I will continue to defend what I consider to be the false claim that Ocwen Loan Servicing LLC ( Ocwen ), is a lawful Beneficiary and that they have held or hold a copy of an original promissory note. Ocwen is attempting to non-judicially foreclosure again, after previous attempts and threats to non-judicially foreclose in XXXX and judicially foreclose against me in XXXX. The previous non-judicial foreclosure sale was cancelled and the trustee was replaced by the current alleged trustee, XXXX XXXX XXXX XXXX of WA ( XXXX ). Apparently, there have been issues with trying to foreclose non-judicially. 2 different law firms were assigned by Ocwen in XXXX, and threats were made that a judicial foreclosure was anticipated, and that I may request to inspect the wet ink note if a judicial foreclosure was initiated. A judicial foreclosure was never commenced and the law firm either withdrew or Ocwen changed their mind. Apparently, there were issues with trying to foreclose. There are several issues with Ocwen in relation to how they are behaving and handling their position as a servicer and debt collector. First, there are discrepancies in the accounting of what Ocwen has given since they took over the servicing. In a statement dated XXXX, the amount due is given as {$22000.00}. In a statement dated XXXX, the amount due jumps to {$65000.00}. This is clearly an example of improper calculation of loan balances. In the XXXX XXXX, XXXX CFPB suit against Ocwen, it is stated that Ocwen has serviced loans based on inaccurate and incomplete borrower loan information. From XXXX to XXXX, Ocwen inputted inaccurate and incomplete loan information into their servicing platform, XXXX. Ocwen has serviced thousands of loans based on incorrect information. The prior servicer data and records upon which it was relying were inaccurate or missing. This is a violation of Section 808 of the FDCPA, constituting unfair acts and practices, and violations of Sections 807 ( 2 ) and ( 10 ) of the FDCPA. In XXXX, I filed a complaint with the CFPB because Ocwen was not sending me monthly periodic statements, post-bankruptcy. Because of this complaint, Ocwen sent a statement, dated XXXX. I have not received any statements since. This is a violation of Regulation Z and RESPA. I have repeatedly requested from Ocwen and those that say they represent them, a complete history of the account loan data from the inception. That would include account loan data from all identified parties to the loan, which are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Ocwen can not accept as true or accurate, only printouts of servicing entries from previous servicing systems. The account loan data should include copies of the general accounting ledger along with the servicing records with appropriate key codes for the current servicers records and system and each prior servicer and their records and systems. The account loan data will show a note as an asset of any real lender in question. Third party co-obligations such as lender paid mortgage insurance, guarantees, servicing advance agreements etc should be disclosed in the account loan data. In a letter to several federal agencies, dated XXXX XXXX, XXXX, Ocwen CEO and President, XXXX XXXX, admitted that Ocwen advances payments to investors. A complete history of the account loan data as requested has never been provided to me. Ocwen has admitted that it did not hold an original promissory note in a conversation with an Ocwen employee identified as XXXX, on XXXX. He told me that Ocwen only has a copy of the note. I asked him to send me information related to our conversation. A letter dated XXXX, stated that XXXX XXXX owns and holds the Note. On XXXX, I spoke with Ocwen employee, XXXX XXXX, who admitted to me that they have the note, but not the original note, which would be with XXXX XXXX. She said we wont hold the original note and that Ocwen would only have a copy. A copy of an original collateral file was sent to me by one of Ocwens attorney firms in XXXX. There was only mention of XXXX, but no mention of XXXX XXXX or XXXX XXXX XXXX in the file, and nothing identifying note tracking data. The hearsay beneficiary declarations produced for Ocwen are ambiguous and a rebuttable presumption. The declarations do not mention anything about holding an original note. Based on the admissions by Ocwen, that they only hold copies, the declarations are being used to rely on, through false assertions. An assignment of deed of trust was recorded in XXXX County on XXXX XXXX, XXXX, purporting to assign for value received, all beneficial interest of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, through XXXX XXXX acting as the beneficiary on behalf of XXXX XXXX. This is a false instrument, based on the fact XXXX XXXX has never had the capacity to be a beneficiary, because they never held and original note. XXXX XXXX, could never act as an agent in this capacity either, since the principal XXXX XXXX, filed bankruptcy in XXXX of XXXX and was not in existence in XXXX to direct XXXX XXXX to execute an assignment. The previous servicer, XXXX XXXX XXXX never offered any conclusive proof that it held an original note, and there is nothing in the collateral file indicating that it did. It had no capacity as a beneficiary to assign any beneficial interest to Ocwen. Based on the admissions and facts relating to the note and deed of trust, Ocwen is not a lawful beneficiary and had no power to appoint XXXX as a trustee and has no power to make attempts to foreclosure on the property. In addition, the statute of limitations has run its course, since XXXX XXXX XXXX claimed to accelerate any debt, in XXXX.
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| 01/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I have submitted the following statement of hardship, along with the required forms and documents to my loan servicer, PHH Mortgage Services, for assistance with a loan modification request : HARDSHIP STATEMENT Dear PHH Mortgage Home Assistance Program, This letter is to inform you of my hardship situation, which will explain why I fell behind on my mortgage for the past couple of months. I suffered an unexpected illness, which set me back for a while. I have included documentation from the U.S. Department of Labor, showing my approval under the Designation Notice ( Family and Medical Leave Act or FMLA ). I have applied for FMLA back in XXXX and was approved in XX/XX/XXXX. I have been returning to work intermittently, and trying to get on track, although my hours have been restricted. Nonetheless, my pay has suffered for the past couple of months since the unexpected illness has occurred, and I have been trying to catch up with all my bills, which include the mortgage payment ever since. My wife only works part-time ( at the moment ), and as you are aware, she was not on the original loan. If adding her income would assist in the modification process, please let me know. Thank you in advance for your assistance. XXXX Over one month later : My request for a loan modification has been denied for one of following reasons provided by the loan servicer ( PHH Mortgage ). Account has been modified either once in the last 12 months or 3 times over the life of the account ( which makes it ineligible under the guidelines set forth by the owner of the account and the account does not meet the delinquency requirements, as it is delinquent by 90 days or less as of the date of the review. However, this information is invalid, as there were only two modifications done over the life of the account, and no other loan modification has taken place within the past 12 months. According to our records, as well as upon verification with several representatives at PHH Mortgage ( namely, XXXX ID # XXXX, XXXX, ID # XXXX, XXXX, XXXX, as well as with my Relationship Manager XXXX XXXX, the only 2 ( two ) loan modifications on record are as follows : Year : XXXX, XX/XX/XXXX Government Modification ( also referred to as the Obama XXXX, by the representative ) Year : XXXX, XX/XX/XXXX -- XXXX XXXX. In the past 12 months, I have not had any loan modifications.
Additional issues of concern as it relates to the loan servicer, as well as XXXX XXXX XXXX with regards to my loan modification request include but are not limited to the following : Loan servicer sent foreclosure notice before a response was received regarding the status of the appeal request to reconsider loan modification. Loan servicer refused to take payment ( s ) on loan when it was entering 90 days past due, unless it covered the full amount past due at the time, which was approximately {$3500.00} or more. Initially customer service representatives stated that payment arrangements could be made to bring the account current. However, it was suggested that we wait for a response to the appeal request. Appeal request was sent ( and received ) by loan servicer on XXXX XXXX, XXXX, via email. However, a response to my appeal request was not received until well over a month, in a letter dated XXXX XXXX, XXXX. This after following up with the lender on several occasions with regards to the response to the appeal request. Also, prior to receiving a response to my request for an appeal I received a foreclosure notice from the loan servicer dated XXXX XXXX, XXXX. XXXX On XX/XX/XXXX, after speaking with my attorney, it was suggested that I attempt to reach out to the Lender again to request the loan modification, as well as follow-up with research to request documentation to among other things, confirm the number of times the loan had been modified. XXXX On XX/XX/XXXX, my spouse, XXXX XXXX, who has authorization to speak on my behalf with regards to the loan, was informed by PHH Mortgage that a response for research was completed and the results were in a letter dated XXXX XXXX, XXXX. The email was forwarded to both my email address, and that of my spouse. The information ( all of a sudden ) would show 3 ( three ) loan modifications : One of which was in XXXX via AHMSI. At this time, to the best of my knowledge, the owner of the Note was XXXX, XXXX, XXXX XXXX XXXX. The First payment of this loan modification was said to be due on XXXX XXXX, XXXX. Meanwhile, an additional document submitted to the loan servicer showed that a HAMP Modification was also processed in XXXX. However, no information was provided ( as I requested XXXX to confirm the guidelines of the owner XXXX XXXX XXXX XXXX with regards to their policy on the number of loan modifications allowed according to their guidelines, just as the stated as follows : [ QUOTE ] Account has been modified either once in the last 12 months or 3 times over the life of the account ( which makes it ineligible under the guidelines set forth by the owner of the account and the account does not meet the delinquency requirements, as it is delinquent by 90 days or less as of the date of the review. [ END QUOTE ] To make matters worse, when my wife asked about the status of the 2nd request for loan modification which was sent not only via fax, also sent to the designated email address, XXXX on XX/XX/XXXX, was not received!
Meanwhile, that email address is clearly stated on the loan modification documents provided by PHH Mortgage. Therefore, I had to resend this request on XX/XX/XXXX, to an alternate email address at XXXX, and told once again that I needed to wait several days for a response. Although being informed that the email should have been forwarded from the hat email address to the XXXX email address, no explanation was provided as to why this was not the case. Neither was there an explanation provided as to why the fax sent to both XXXX XXXX XXXX XXXX was not received.
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| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I got XXXX XXXX and the needed to take time to attempt to recover so I could at least hopefully gain enough strength to walk XXXX XXXX again and return to work enough to meet my obligations. I called PHH, and asked for assistance at the suggestion of their support agent. We were put in a forbearance for 90 days. During this and subsequent calls, I was told that these 90 days of payments would be put at the end of the loan, and not to worry. However, at the end of this 90-day forbearance, to my complete dismay, they refused to put these at the end of the loan and additionally refused to take any more payments from me, putting me into foreclosure. For nearly a year now I've been trying to pay this balance or get payment arrangements set up, but each time I get the same runaround and then denied any assistance and threatened with foreclosure and am put another month behind. Had I never called and asked for assistance, I would never be in this position. It has become very apparent that PHH Mortgage has no intention of helping me or my family, and makes a habit of taking advantage of hardworking citizens.
All I have been asking for is a loan modification, or other assistance in putting my 90 days of payments on the end of the loan as I was promised. ( or anything else that could potentially help me while I navigate this terrible illness.
The reason I reached out for help to begin with is because I have a XXXX XXXX XXXX and am not only a full time single dad, but I also care for my elderly and XXXX mother. So now it's not bad enough for me to have to face each day knowing I am going to die soon and leave my child and mother, but now I also have to worry that myself and those I leave behind are going to be out in the streets and homeless and my life 's earnings which have went into our home and property, are now at risk of leaving my surviving family members completely penniless as a result of PHH 's deception. We have been in our home for almost 20 years and farm it to feed ourselves and can not fathom how heartless their company can be to someone who is XXXX XXXX and to my family, to add the prospect and fear of foreclosure on the only thing of real value we have so that we must live daily with this threat despite spending nearly a year trying to resolve this, including 8? attempts at loan modification. I also know that I am just one of many, many people who have been victimized by their tactics. Had I never even called them, and been coerced into the forbearance, and lied to, myself and my family would not even be in this situation. They have used the forbearance as a weapon against us and attempted to destroy us financially with this, and threatened to put us out on the streets, depriving us of our home and equity, 20 years of equity we have accumulated in our property, and they wish to take this and benefit by means of foreclosure. The property and it's equity is the only thing I have to leave my child and mother upon my passing to take care of them and their dishonesty and lack of care is jeopardizing that now. I wasn't behind on my payments when I called and asked if assistance was available. They knowingly coerced me into something they knew would potentially jeopardize my home, my credit and my equity.
I am now working 12 hours a day with my daughter to earn this money back and am not supposed to be working only but a few hours a day if that. Doing so is shortening my expected lifespan in a very dramatic way coupled with the fact that every XXXX I earn is going to pay them, when ultimately it should be going into medical treatments and XXXX to help extend my life.
I guess if it were me, and one of my customers came to me with the same problem, I would do every thing I could to assist them and to make it as affordable as possible by either reducing the principal, reducing the interest rate, spreading out the loan, or all of the above, whatever I could do I would ... .as this is the ethical thing to do.
All I have been asking for, for the past several months ( going on a year ) is the ability to send my payments and not have them returned and for perhaps, a repayment plan or other arrangement that is affordable.
Between my daughter and I, we have saved a little over {$10000.00} to pay this balance ( by forgoing my much needed medical treatments and XXXX ) and all I was requesting was help with the remaining {$5900.00} by either putting to the back of the loan as promised or by giving us a formal repayment plan, but I can't even get that. Also, PHH currently holds an excess {$500.00} dollars of a payment I made, which they refuse to apply to our account.
The severe stress from this completely unnecessary situation has not only worsened my condition, it has caused further trauma, fear and worry for my family, all unnecessarily, and all due to no fault of our own. They have a ludicrous amount of nerve to use the motto " helping homeowners '' when they have, and continue to do the exact opposite of helping us, going so far as to take advantage of my situation and desperation to deliberately destroy us financially and risk having our home taken during the time when we need it most. This situation is by far the most evil thing that I've ever experienced in my XXXX XXXX. I can not describe the amount of stress, fear and frustration we have all felt as a result.
Perhaps they can use this opportunity to prove that they mean what the say when they use the motto of " helping homeowners ''. Especially when one of their homeowners has an immediate, urgent, and legitimate need. Up until XXXX shut us down, made us ill and likely caused my XXXX XXXX, I don't believe that I was ever late or missed a payment in the previous 15 years. Again, I ask you to look at our situation again and consider helping us in any way possible while we try to navigate this horrible place we find ourselves in.
Sincerely, XXXX XXXX and XXXX ( XXXX ) XXXX
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| 11/05/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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My loan was originated with XXXX XXXX in XXXX of XXXX, I went into forbearance due to the pandemic and losing my job in XXXX of XXXX, used up and depleted savings, IRA, sold what I could for money, my husbands income does not alone support enough to pay all of our bills. XXXX granted me 6 months and then extended the forbearance another 6 months until XXXX of XXXX under their terms that my payments would be deferred to the end of my mortgage once I was out, and that I also had to option to come out of forbearance at any time during which I could. In XX/XX/XXXX of XXXX XXXX unbeknownst to me sold my loan to PHH mortgage. I was not made aware until I started receiving numerous calls, letters, and harassment from PHH about foreclosure that I was 180 days past due on my mortgage. I had been told at that time that I had been also reported to the credit bureau. I had sent to PHH my proper paperwork via fax showing proof of XXXX agreement which PHH was to honor and neither XXXX nor PHH would call any of the credit agencies to retract any such reporting. I called each one and was told a different story that they had nothing showing. I reminded PHH of the RESPA act that I should have been covered under, and that no reporting should have taken place while I was under forbearance. PHH blamed XXXX stating they did not send over all my paperwork, yet XXXX stated they did, and I do believe XXXX because the 2nd part of my forbearance was noted on the backside of one of the pages that I had to point out on a fax to PHH. I Paid XX/XX/XXXX, XX/XX/XXXX, PHH refused to allow me to come out of forbearance any sooner than XX/XX/XXXX. I Sent the packet of paperwork PHH requested prior to XXXX via overnight mail it was received on XXXX I had it sent with a signed receipt requested and tracking. I will attach if I can a copy of the letter to show where it was partially approved allowing me to continue to see my active account online so I was prepared to make my XX/XX/XXXX payment and be back on track. Then I got a call from PHH on XXXX XXXX stating the notary did not enter XXXX XXXX so we had to resign the paperwork, Please keep in mind I am the only one on the mortgage, XXXX is only on the deed with me. Again this packet of paperwork was to be in by XXXX, so my husband and I went back to the notary, then post office, dated XXXX overnighted, XXXX was a Sunday and PHH office is closed so they signed for it on Monday the XXXX of XXXX. But it was post marked prior to the XXXX. I spoke with a supervisor on XXXX and was told it was accepted for the modification and my account was being updated to reflect the update. My complaint is. This time PHH has me completely shut out of my account online, I can not see anything, They will not accept my payment, I called XX/XX/XXXX, after going online and trying to make my payment XX/XX/XXXX, XXXX, they refuse to take my payment. They said I have to allow at least 10 business days from when they received the paperwork XXXX to finalize everything before they will accept my payment and allow me back to see my account online. Then went as far as to say should it go longer and if there are any late fee they would be reimbursed, or any negative reporting on my credit it would be taken care of that too would be corrected. NONE of that should have to be a worry to me as I have complied with everything that has been asked of me, and from the very start PHH has NOT honored the loan that was sold to them as XXXX had contracted with me. I feel this is so wrong to shut me off from my own account, to not be able to see what my escrow, taxes, balance, nothing. They can work on the account with out closing me completely off and out of it. I have never dealt with such rude, in competent staff as I have with this company. On Wednesday when I spoke with the rep XXXX ID # XXXX I was told that I had to talk with a loan modification rep in order to know where I am at in the process on my account and set an appointment to review my account, so I asked for a call back first thing when they opened the next morning. XXXX the next day XXXX I got a call from XXXX XXXX ID # XXXX, he is what is called a Relationship manager. per XXXX the modification team does not take calls nor do they make calls. now again I was given false information and another run around. then they wanted to set another appointment with a relationship manager to call me back again today, I asked for what, I just looked online, I am still blocked out of my account, I can not make a payment, I can not call in and make a payment, so what would be the point of that call? if I send check in for a payment it has to be a XXXX XXXX, it will sit wherever they hold their payments until they finalize their accounts then post them, and quite truthfully I do not trust this company that my payment would not be somehow " lost '' I am at my wits end with a so called mortgage company that always has to say at the beginning of their call that they disclose they are a debt collector and all calls are monitored and recored. I truly hope that they are, because if you could get a listen to any of them between me and any of the reps I have spoken with of the supervisors you would hear that I am wanting, willing to make my payment, be off my forbearance as agreed upon when I first set it with XXXX under that contract that was sold and was to be honored by PHH. However PHH is refusing to allow me access to see anything on my account access online. This is wrong and I am asking for your help for my right to have access to my account so that I may make my payment and be on track with not being late, they can do their adjustments after the fact but at least post my payment.
Thank you for your time. I will gladly give you any and all personal information as to account, name if you want additional information.. and yes please do publish this. I would never recommend this company to anyone.
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| 09/05/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB, Your CFPB Portal is proof of my over 12 complaints against several entities including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing and XXXX XXXX, XXXX over the last five years. These entities are unknown to me.
All these entities have conspired to commit fraud by forging, falsifying and fabricating documents and instruments and recording them at the XXXX XXXX County Recorders office.
I want to report that another fraudulent Notice of Default Instrument # XXXX has been recorded by XXXX XXXX, XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected foreclosure sale date schedule for XX/XX/XXXX.
OCWEN LOAN SERVICING, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX have committed IDENTITY THEFT by using my name, social security, private and personal information to create account # XXXX without my consent and authorization, in clear violations of my consumer protection rights under FDCPA, FTC, FCRA, TILA, RESPA and CA XXXX. There are no signed agreements, No contracts No business relationships between myself and these entities. No Disclosure, No Consideration, No Lawful Terms & Conditions, No Signatures of both the parties in interest. NADA. NOTHING.
Per the CFPB OCWEN Consent Order Agreement Settlement Term Sheet provision on page A-1 Section 1, Foreclosure and Bankruptcy Information and Documentation : " Servicer shall ensure that affidavits, sworn statements and declarations are based on personal knowledge, which may be based on the affiant 's review of Servicer 's books and records, in accordance with the evidentiary requirements of applicable state and federal laws. '' In XXXX the XXXX County Civil Grand Jury paid for the " Integrity of Land Records in XXXX County '' audit conducted by XXXX XXXX, Certified Mortgage Fraud Forensic Analyst. COPY OF AUDIT ENCLOSED FOR YOUR REFERENCE " EXHIBIT A ''.
XXXX XXXX 's preliminary findings identified the following : You have robo-signers galore ; fraudulent assignments ; unauthorized substitutions of trustee ; MERS fraud ; and a host of violations of California statutes.
XXXX, XXXX. Letter to XXXX. XXXX XX/XX/XXXX. TS.
In her expert opinion : Innumerable negative externalities result from this errant behavior, e.g., due process violations ; wrongful foreclosure ; wrongful displacement and homelessness ; clouded and unmarketable titles ; uncertainty in real estate transactions ; devaluation in property values ; erosion of the tax base ; social unrest ; undue burdens on social services and welfare programs ; increased crime ; vacancies ; neighborhood blight, etc. the price of which is paid at the local level.
XXXX, XXXX. Letter to XXXX. XX/XX/XXXX. TS.
ENCLOSED FOR YOUR REFERENCE " EXHIBIT B '' you will find the fabricated, forged, robosigned, and falsely notarized, Assignments executed by XXXX XXXX XXXX XXXX, and unlawfully recorded in violation of California Law.
The Substitution of Trustee, executed by XXXX XXXX XXXX on XX/XX/XXXX as Vice President for XXXX XXXX XXXX, and Notarized by XXXX XXXX XXXX on XX/XX/XXXX and recorded at XXXX XXXX County Records on XX/XX/XXXX.
Assignment of Deed of Trust, also executed by XXXX XXXX XXXX, as Vice President for XXXX, XXXX on XX/XX/XXXX and recorded at XXXX XXXX XXXX XXXX on XX/XX/XXXX.
ENCLOSED FOR YOUR REFERENCE " EXHIBIT C '' Please reference to full deposition of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX vs XXXX XXXX XXXX, Case # XXXX CA, XXXX Judicial Circuit, acknowledged and confirmed robosigner.
I hope that with the new Executive Order XXXX " The Establishment of the Task Force on Market Integrity and Consumer Fraud '' signed by President Trump on XX/XX/XXXX the Department of Justice, SEC, HUD, FTC, California Attorney General, California Department of Business Oversight and our local District Attorney and XXXX XXXX Attorney will investigate, enforce and start prosecuting the white collar crimes of individuals within these entities orchestrating massive fraud not only with me but hardworking families and homeowners across the XXXX.
I applaud XXXX XXXX XXXX from Hawaii, letter to XXXX XXXX XXXX, Chair and Board of Director at XXXX XXXX XXXX. Addressing pattern of consumer harm at XXXX XXXX and DEMANDING ANSWERS. Over 3.5 million people harmed by fake accounts and over 400 families lost their homes in error. XXXX XXXX BANK is NOT alone and its NOT the only one creating, fabricating, and forging fraudulent accounts.
ENCLOSED COPY OF LETTER " EXHIBIT D ''.
Moreover, in light of these audits and discoveries I hope the XXXX XXXX County Recorders Office and the XXXX XXXX County District Attorneys Office work together to identify means by which fraudulent robo-signed documents can be identified early by the County and reported to the District Attorney. TO enforce California Penal Code section115.5 ( Forging, Stealing, Mutilating, and Falsifying Judicial and Public Records and Documents ) which provides for statutory penalties up to {$75000.00} for filing with the County Recorder fraudulent documents relating to the title of or security interest in real property.
As XXXX XXXX XXXX, Ex-Deputy Attorney General Department of Justice put it : " Corporations can only commit crimes through flesh-and-blood people. It's only fair that the people who are responsible for committing those crimes be held accountable. The public needs to have confidence that there is one system of justice and it applies equally regardless of whether that crime occurs on a street corner or in a boardroom. '' In conclusion, I'm demanding immediate cancellation and rescission of all fraudulent, unlawful, and illegal instruments, assignments, and documents recorded on my property XXXX XXXX XXXX XXXX CA XXXX at the XXXX XXXX County Recorders Office starting with the Notice of Default recorded on XX/XX/XXXX.
respectfully, XXXX XXXX
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| 01/19/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Established this loan in XXXX. This Second Mortgage was established to avoid PMI Insurance and has been an interest only loan that has sat at a 10 % Interest Rate since the life of the loan.
Every attempt I have made to Modify my Mortgage when I was laid off, change in income, or any other extreme change to my household that would cause for the request to Modify my mortgage, Ocwen Loan Servicing used my unfortunate situation as a means to strong-arm me by improperly reporting me as 90 days rolling late in late XXXX ( XXXX, XXXX, XXXX ). While in the midst of submitting the same pieces of documentation over and over again, due to Ocwen 'Not receiving all pages ... .'or receiving in a timely manner, Ocwen Loan Servicing blatantly disregarded my financial situation and made my credit score become their target. Kick me when I am down is their approach to Homeownership. Ocwen Loan Servicing is known for 'Deceptions and shortcuts in mortgage servicing ' as quoted by former director at CFPB, Richard Cordray . I am requesting help from the current CFPB Director to look into this matter as I have a current Modification in play ( began XX/XX/XXXX ) and have yet to receive a direct answer. I am continually given '30 days for review ' as my repeated answer when I inquire, What is the timeline for an answer to my Modification? Due to the fact I will never 'own ' my home if I continue with this mortgage at Ocwen Loan Servicing . I pleaded and begged for a refi only to be told, Ocwen is not a bank, we ( Ocwen ) are only a Debt Collector and Servicer of your loan.
Ocwen has a newly established partnership with XXXX XXXX ( certified lender ). These two organizations are in a conspiracy to retain the homes of every 'account holder ' at Ocwen Loan Servicing . The Homeownership is a smoke and mirrors tactic by Ocwen to give the illusion that we will someday own our own homes, this The fact of the matter is NOW Ocwen refers ( aka strong armed ) the homeowner over to XXXX XXXX for REFI, only to be then put into a new loan under new terms that are again, SERVICED BY OCWEN Loan Servicing. It is a vicious circle and Monopoly played by these two organizations that are benefiting off of one another.
In my research I see the previously held position of Florida Atty General, XXXX XXXX, had a {$2.00} Billion relief to homeowners in XX/XX/XXXXfor 'Servicing Wrongs. ' I had my loan during this time.
In XX/XX/XXXX a Multistate Settlement in which an anonymous employee of Ocwen Loan Servicing disclosed their computer system was an 'Absolute Train Wreck ' - which I still had my loan and was affected by this horrific service, again, no word on Arizona Settlement.
In XX/XX/XXXX Ocwen was found in Violation of Federal and State laws, requiring an Independent Audit of accounts by XX/XX/XXXX. Instead Ocwen was unable to provide such an Audit due to the inconceivable amount of funds in the Billions to be paid out in order to complete this task, which in my research was NEVER completed. This was ordered by North Carolina Government agency.
In XX/XX/XXXX yet another violation of Ocwen Loan Servicing was revealed and now here we are in XX/XX/XXXX a new year and yet Ocwen Loan Servicing continues to have the 'most highest UNPAID principle balance loans ' in the industry, this is directly a result of holding loans at such a high interest rate that Homeownership is merely IMPOSSIBLE if your loan is being serviced by Ocwen Loan Servicing .
I am begging and pleading with you, as the CFPB, an agency with a position of power in this game of Mortgage Regulations to assist us in being 'paroled ' from this XXXX XXXX Prison we call Ocwen Loan Servicing , forever. Best scenario we are looking at for satisfaction is a fixed, reasonable rate of 3-4 % interest.
Facts of my current account with Ocwen Loan Servicing : Please see attached XX/XX/XXXX Invoice from Ocwen as my example of the below Prison we are stuck in.
Monthly Payment {$370.00} Principle paid {$78.00} x 12 months = {$940.00} annually decreased Interest Only {$290.00} x 12 months = {$3500.00} Annual Interest incurred / Paid only at 9.87500 % XX/XX/XXXX = 13 years of established loan breakdown = {$3500.00} x 13 years ( aka 156 months ) = Total interest paid YTD {$45000.00}. Original Loan was less than this amount.
Referencing the attached Bill dated XX/XX/XXXX, you will notice the principle varies between XX/XX/XXXX & XX/XX/XXXX by {$1.00}. This may not mean anything to you, but this is an additional fee / increase / decrease every month that should not be occurring.
The charges of Unapplied funds were the spotlight of one of the court cases against Ocwen and you may see this reflected as of XX/XX/XXXX on my monthly bill.
The federal lawsuit asks the federal court to order Ocwen to comply with mortgage servicing laws, provide compensation to borrowers who were harmed by the company 's actions and pay unspecified penalties.
We as a single homeowner will NEVER be heard and our struggles never relieved unless we have a company in a position of power to back up our mortgage needs and assist with the burdens that we face monthly by a company who continuously strives to strong-arm, target ones credit ( at all three bureaus ), target our homes, and continuously puts struggling families in an everlasting position of hardship.
I have every stitch of correspondence and all denials of Modification based on a scale that does not exist. I have the corresponding documentation that reflects while in the midst of applying for a Modification, Ocwen wrongfully reported me to the credit bureaus as a form of 'punishment ' in order to request a simple assistance, basing this request off of their motto 'Homeownership is what we do. ' This is a one way street and correct, THEY will ALWAYS own our home. Upon your request I can and will supply any documentation necessary to support my case and standing in this request.
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| 03/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dear XXXX Representative, My complaint is somewhat convoluted. There are two important aspects to this complaint and I need to premise it with some preliminary details.
1. The first aspect of the complaint is : that I naively and without legal representation, signed a Quick Claim/Deed, XX/XX/XXXX, relinquishing all control of a home that I had jointly purchased with my wife at the time. I question the very ethical, legal and predatory nature of this contract, and the law firm that drafted it and/or counseled my ex-wife to present it to me the way she did- having no present witness and no assurance of legal counsel on my behalf, Drafted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
What has essentially manifest from this action is that : For the last 11 years, my name has been on a mortgage for which I have no legal ownership of and have been stripped of any decision-making ability and equity concerning the property ( via the quick claim ), but still bear the financial burden and responsibility. I am subject to any outcomes regarding the decisions that are/ and have been made regarding the house/mortgage, i.e. loan modifications. Including, a continued bad credit history report and an inability to essentially finance anything- directly affecting my quality of life and stifling any real growth regarding a start-up business.
After briefly speaking to an attorney, he expressed concern regarding the way in which the quick deed was signed. He mentioned that quick claims are typically signed at the time of refinancing, not signed with some future promise of refinancing.
Said house is presently in pre-foreclosure, with a foreclosure sale date scheduled sometime in XX/XX/XXXX. We, ( we shall mean myself and my ex-wife ), are currently in the process of trying to facilitate a short sale of said house with the help from XXXX XXXX XXXX and an attorney at XXXX XXXX XXXX. Ill explain further the history, and how this correlates to the next aspect of the complaint below.
2. The second aspect of the complaint is that : I question the practices of Ocwen Loan Servicing, LLC, representing or affiliated with XXXX XXXX XXXX XXXX XXXX, trustee for XXXX XXXX XXXX XXXX, in terms of fairness and transparency.
I cant speak directly for, or on behalf of my ex-wife, but she did recently disclose to me that Ocwen Loan Servicing, LLC. coerced her into leaving the property long before a foreclosure sale date, among other suspect practices. Its possible that she might be willing to cooperate and/or show documentation regarding an investigation.
Please make note and understand that I have not lived in or set foot on said property since XXXX of XXXX. We, ( my ex-wife and I ) are not on speaking terms accept for legal or real estate matters.
The Back story as it pertains to the complaint : My ex-wife and I were married XX/XX/XXXX. We signed the deed on our new house XX/XX/XXXX. Two months later in XXXX of XXXX, she ( my ex-wife ), had a change of heart and chose to dissolve our relationship and consequently our marriage. Not being able to afford an apartment on my own I stayed in the house for a few months, leaving the premises in XXXX of XXXX.
We made an agreement that approximately one year after I signed the quick deed on XX/XX/XXXX, that ( she ), my ex-wife, would refinance the house ; thereby removing my name from the mortgage, assuring me that she could and would continue to make the mortgage payments on her own and on time. She quickly fell short on this promise.
XXXX XXXX XXXXXXXX XXXX transfer of real estate settlement to Ocwen Loan Servicing, LLC Though I had no executive decision-making ability regarding the house, I was still getting paperwork/ documentation on occasion from the mortgage company and was still able to access my online account which at the time was through XXXX XXXX XXXXXXXX XXXX XXXX I was aware that my ex-wife was behind on mortgage payments. Around XXXX, both of us, separately, and on multiple occasions tried to get XXXX to do a short sale. It never happened. We had buyers that were willing to purchase the home over the original purchase price however, XXXX dragged their feet and ultimately refused on every occasion.
I received a notice for a transfer of real estate settlement procedures XX/XX/XXXX. XXXX to Ocwen.
A loan modification was granted without my signature. signed XX/XX/XXXX. I was contacted by my ex-wife, requesting my signature for this modification, which I refused and did not sign. The modification happened anyway. I have a copy of it, signed XX/XX/XXXX, with her signature only. I question the legality of this.
Fast forward to XX/XX/XXXX, Ive been remarried now for 9 years, I have a family, Ive been trying to start a business, Ive been making a concerted effort to take control and master the financial aspects of my life. But in every domain this mortgage/ looming foreclosure continues to have a tremendous negative impact on anything I attempt financially.
After recently presenting my business plan to a commercial bank and disclosing that my name was on the mortgage of a home in pre-foreclosure, I quickly realized there would be no chance of acquiring any kind of financing with a house in pre-foreclosure and/or any of this on my credit report. I took immediate action.
Up to this point I thought that I had no recourse whatsoever ; no legal recourse regarding the quick claim and no way of facilitating a short sale. I assumed that foreclosure was my only option and hoped it would happen swiftly, so I could at least have some new starting point even if that meant another seven years.
With a new sense of urgency, I contacted a lawyer. He gave me the name of a real estate agent that specializes in short sales. Since then, the real estate agent and an attorney from the XXXXXXXX XXXX XXXX has been in communication with the mortgage company to short sell the house.
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| 06/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We recently lodged a complaint with your institution against our mortgage company. Our loan became in default as we were told by the mortgage company 's attorneys not to make a payment UNTIL we received their statement by mail and that that could take few months to process. As we waited for the mail ( which never came ), we received notices of default. It turned the company changed our address of record without telling us and without our authorization and knowledge. As such, we never received the statement which, per their attorney, was a prerequisite to us making a payment. From there on, everything went south. A notice of foreclosure was recorded later not because we did not have a deal or didn't make a payment, but because our relationship manager told us not to make a payment ( when a payment was due ) because allegedly the company 's internal documentation was flawed and needed to be corrected. 2 days later, as we awaited the new promised paperwork on the approved modification, a notice of foreclosure was recorded. We have had multiple loan modification approvals, and payments thereon were made. Each time, the company would fabricate an excuse to cancel the modification and later ( start a new one ( after a long fight ). The company is trying everything without its power to cause us to give up or take our family home of almost 30 years thru foreclosure ( by refusing to accept tendered payments, while adding otherwise unnecessary exorbitant fees, including default/foreclosure/attorneys/inspection and other fees, and adding otherwise unnecessary late payment fees, and in the meantime allowing the past due amount to reach a point where we can not cure it to avoid foreclosure. Both my husband and I are elderly and are severely XXXX, and the company is aware of these facts.
There are times where the company claimed that we had trial period missed, only to admit later that they never notified us thru any means that a trial period had commenced or was in place. We have repeatedly asked that the company send us time sensitive documents and communications via email as we never receive their mail ( and they tell you it takes at least 2 weeks for their mail to arrive, if it arrives ) and when we do it's always after the fact and after a deadline was missed or had expired ( of which we had knowledge since the mail never came ). Recently, modification was approved. All 3 trial payments were timely made. We followed up on the modification paperwork. It never came. We requested it be emailed but they only sent us an encrypted attachment that couldn't be accessed ( even by their agents ), We requested it be faxed or sent to us via an expedited mail service, they flatly refused. Instead, they canceled our modification claiming we never signed the paperwork ( paperwork we continuously demanded but they never sent us ). Please note that XXXX weeks ago, a new lawsuit was filed in Illinois by other homeowners based on this same set of facts.
After a long fight with the company, they approved another modification, we made a timely first payment. When we tried to process the second timely trial period payment, they refused to accept it claiming that the first payment did not go thru because they had the wrong bank account information. It was their agent who took down the bank account information. If an error was made, it was made by their agent, not us. The company does not allow us to make a payment other than by phone with one of its agents. The company never contacted us to advise us of a problem and to correct the bank account information. Instead, they allege they sent us a letter by mail ( which we haven't received to date ) on or about XX/XX/XXXX, and they immediately 4 days later placed the loan in active foreclosure and recorded additional notices of default. Even if their letter was truly placed in the mail, a 4 day notice was of no value since they know and they tell you each time it takes their mail at least 2 weeks to reach the borrowers. A simple phone call to verify the bank account number would have avoided what they put us thru, an active foreclosure.
Thereafter, we were having problems getting information from their agents. We were not able to reach our relationship manager for weeks. Supervisors were missing scheduled phone calls that were scheduled at our insistence because of the unavailability of our relationship manager. We filed a complaint with CFPB. The company then sent you a response which is self-serving and full of discrepancies, misrepresentations and distorted facts. In that response, the company also stated that it had approved a new modification, with a first payment due date of XX/XX/XXXX and with a deadline to sign and return the related paperwork by that deadline. We still haven't seen the letter they allege they mailed us with regard to the latest modification. If we don't see or receive the paperwork, we can't sign or return it ( as it had happened before ). Again, we recently requested that such documents be emailed to ensure our receipt thereof and prompt attention thereto. We were told that we would be receiving them by email. We have not received them thru any means to date. We are afraid we are going to miss the deadline for lack of receipt of paperwork ( as they had done before ).
More important, the loan trial period payments are stated in their response to you to be approximately {$4900.00}. That is approximately {$400.00} more than we paid only 2 months ago for the last approved modification ( which they canceled because their agent committed an error in obtaining the payment information ). That is a lot of money and punishment for their mistakes. Please help us obtaining the documents that we need to see, review and return and please help us with the unexplained {$400.00} increase because of their mistake.
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| 02/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called in as client, rep said they need XXXX pay stubs for XXXX XXXX. Explained that XXXX does not receive income, rep said that she needs to send in a letter saying that she does not contribute to household. Rep said her name and signature needs to be on XXXX. Sent XXXX with co-borrowers signature and social as well as letter saying XXXX does not receive income. Asked to be transferred to supervisor, waited on hold for over 45 mins. and then hung up on me.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] Called PHH, said as of XX/XX/XXXX docs are missing : -Co borrowers income info -Co borrowers income proof -Name & SS of co borrower Let her know I already sent info with co-borrowers SS, asked to be transferred to a supervisor, waited on hold for 15 mins and then got hung up on.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, docs were received on XX/XX/XXXX. We have to wait for the docs to be reviewed in 3-5 business days. Once the package is deemed complete it will be reviewed for a mod. Requested that the rep notate that would would like this account reviewed for a mod immediately.
XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Sent PHH pay stubs & XXXX 's signed auth via email & fax.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - PHH rep called in, said that they need -name and social security for co-borrower -Pay stub for 30 days XXXX Spoke with supervisor and he miraculously found documents but said he needs to review XXXX pay stubs XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to XXXX on review. Rep ( XXXX ) stated as of the XXXX there is not a complete packet. Let her know we already resent docs & called back on both the XXXX & XXXX. She said the packet is still under review and it is not marked as " completed '' so the formal review ( 30 days ) has not even started yet. She said we should receive a letter if the packet is marked completed or if additional docs are needed. Rep could not tell me how long this will take or why we were previously told it was formally under review for a modification. She said a relationship manager should be calling us Friday between XXXX. Could not tell me what phone number and would not let me provide a back up number.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to confirm docs were received. Received XX/XX/XXXX and is under review. Review will take 30 days. There is an appointment scheduled for XX/XX/XXXX to speak with us but they have our old phone # on file. Rep was unable to update the phone number.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to XXXX on XXXX, rep said that they still need most recent pay stub and bank statements with gross ytd. Re-sent XXXX pay stub and Bank statement XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, rep said the XXXX was submitted to underwriting, and will let me know if there are any missing docs XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to XXXX on XXXX, rep said that they are missing docs, let her know we already sent in those missing documents and want to make sure they are in review, transferred to supervisor. Supervisor said that she will send a message to underwriting to make sure that the documents were in review. Asked if I could speak with loss mitigation or someone who is in charge of this file, rep said her had are tied and there is no one I can speak with. Said she will try and have a Point Of Contact call me back.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, rep stated the packet was received on XXXX XXXX. No additional updates at this time the docs are still being reviewed.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Sent PHH XXXX to XXXX XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, rep was able to find authorization. Rep stated the XXXX was reviewed, but was missing information. Hardship letter needs to be signed and dated. Financial form needs to be filled out. Borrowers info form is not complete. Requested letter with missing info be sent via email. Will receive it no later than Monday.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, spoke with rep who could not find authorization. Transferred me to manager, call disconnected. Called back, another rep could not find our auth so again asked to be transferred. Manager ( XXXX ) could still not find our auth, he was incredibly rude, put me on hold for over 45 minutes. No records found for an authorization from our company. Placed me on hold again, then hung up on me.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to confirm Request for Mortgage Assistance was received, rep said that it was received, said they still need to be reviewed. Will f/u in a few days.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called to give financials, rep took income and expenses over the phone, then said she will send out the XXXX packet to my email w/in 4 business days. Said the financial interview is just to see if they are in need of a mod.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to confirm XXXX is removed, rep said that XXXX has been removed. Asked if account is available for Mod, said they would do a financial interview over the phone.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to confirm when Forbearance ends, rep said XXXX ends on XX/XX/XXXX Rep said to submit for a loan modification, fax it to XXXX XXXX said the review takes about 7-10 business days XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called back, spoke with Customer Service manager and she verified the initial documents are on file.
XX/XX/XXXX, XXXX XXXX - Called PHH, rep XXXX to verify if initial docs were on file. She was so confused as to what I was asking, I requested to speak with a manager & was hung up on.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - called PHH to see if initial docs were received, rep said it takes 5 business days to see if anything was received. Will f/u on XXXX XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Sent initia docs to PHH
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| 02/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To Whom It May Concern.
I want to make a formal complaint on XXXX XXXX, PHH, XXXX, and XXXX
We purchased our home back in XXXX for {$250000.00} through XXXX XXXX XXXX and XXXX XXXX. We paid out of pocket {$25000.00} and took a mortgage loan for {$220000.00} through Century 21 XXXX XXXX XXXX ). From XXXX to XXXX the mortgages companies that were holding our loan ( there were multiple companies due to the constant transformations of each lender to another XXXX XXXX, to PHH TXXXX XXXX to XXXX ( XXXX XXXX XXXX ) ) were taking advantage of us financially by charging us unexplainable fees, and instead of our principal reducing the principal was increasing over the years.
We reached out to everyone we knew in hopes that someone could help us. Every phone call would lead us to a dead end. All mortgage lawyers seemed either back logged or unable to take on new clients. We even reached out over state lines and were told we needed to get a lawyer within our state.
This all began in XXXX, after a loan modification that we thought would help us in a positive way but instead it has crushed us. The reason for the modification to begin with was due to the high payment amount. The payment was lot higher than we anticipated it would bea payment of {$2300.00} a month. With a loss of income, we knew we had to get help, or we would be tight financially.
In XXXX we received a letter stating that our interest rate would be a fixed rate of 2 % for the remainder of the mortgage loan and with a balance of {$190000.00} We were hoping that with fixed interest rate of 2 % the principal would start reducing.
We started to realize, the principal payment was less then and the interest instead of principal being higher due to 2 % fixed rate. Our payments kept changing and the interest payment was higher than the principle for example we with a {$660.00} payment the payment was split 50 % not 2 %. When phoned to ask why no answers or explanations could ever be given.
We were at a balance of {$190000.00} as of XXXX and XXXX our payoff was {$240000.00}. {$230000.00} principle Interest {$590.00}, Escrow Mortgage Ins. PMI {$1000.00} this is at a 2 % interest rate since XXXX. We paid off the loan at a higher amount then we original loaned it for after 14 years of payments.
We would call the lenders questioning why the loan was increasing and were told that it was out of their hands and to contact the other lenders, and the other lenders stated that it would be investigated, and they would send us a letter with explanations, which we never received any explanations.
We have asked the lenders multiple times why our PMI was not being removed we would get different answers with each phone call, such as ; the PMI would be removed in XXXX of XXXX never happen, to being told the PMI would never be removed. When we refinanced in XX/XX/XXXX, we were told that our PMI should have been removed a long time ago since the equity was 50 % of the principal.
1. Attached is the XXXX payoff statement in which you will see the payoff and how it was broken up you will see even at the payoff they charge us {$1000.00} in PMI, and they state they paid our property taxes. We received a property tax rebate which has yet to be applied to our payments or received back to us due to over payment of our property taxes.
2. Attached is the XXXX statement from XXXX to XX/XX/XXXX. ( 13 pages ) On pay 13 of 13 you will see the principal balance was {$190000.00} On page 12of 13 XX/XX/XXXX you will see that PHH increased the principle {$16000.00} from {$190.00}, XXXX principle increased to {$200000.00}. How is this possible?
On page 11 of 13 you will notice that there are charges ad an unapplied payment of {$1300.00} on XX/XX/XXXX, XX/XX/XXXX another unapplied payment {$1300.00} on XX/XX/XXXX another unapplied payment {$1300.00}. During this time our mortgage interest rate was at a fixed 2 %, rate so why would my interest payment be higher than my principal payment.
On page 10 of 13 you will see XX/XX/XXXX PHH increases our loan to {$40000.00} to make our loan now {$240000.00} which is more than we paid for the house which we started at {$220000.00}. Then on XX/XX/XXXX PHH decreases our mortgage {$27000.00} to make our mortgage {$210000.00} you will notice a {$5700.00} payment not being applied to any principle you will see XX/XX/XXXX payment made of {$1300.00} but not being applied to principle.
On page 6 of 13 you will notice XX/XX/XXXX charges for modification of {$450.00} ( we did not modify ) on XX/XX/XXXX you will see unapplied payment of {$1500.00}, on XX/XX/XXXX a fee for {$15.00} inspection ( never got inspection? ) XX/XX/XXXX unapplied payment of {$1900.00}. XX/XX/XXXX another unapplied payment {$1900.00} XX/XX/XXXX another property insect {$15.00} On page XXXX XXXX XXXX XX/XX/XXXX unapplied payment {$1900.00}, on XX/XX/XXXX unapplied payment of {$2700.00} XX/XX/XXXX you will notice a property inspection fee {$15.00}, XX/XX/XXXX unapplied payment {$1900.00}, XX/XX/XXXX unapplied payment {$1900.00} XX/XX/XXXX unapplied payment {$2800.00} XX/XX/XXXX states new loan PHH transferred to XXXX {$200000.00}, the transfer was not our choice nor did we get notification of the transfer until it was transferred.
On page 3 of 13 you will notice attorney cost payment {$1800.00} ( why an attorney? ), title cost payment $ XXXXmodification payment {$2300.00}. We did not modify or refinance. XX/XX/XXXX inspection fee {$60.00}.
One page 1 of 13 you will notice that our balance on XX/XX/XXXX shows {$190000.00}.
When all said and done, we feel like there was no direction to get out of this hostile mortgage company and got financially taken advantage of. If there is any direction of making this a formal complaint and what else, we need to provide to help the process let us know.
Sincerely,
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My account number with Ocwen is XXXX. My name is XXXX XXXX. This complaint is in regards to Ocwen who is illegally foreclosing on my home. They are in violation of RESPA section XXXX in regards to all aspects of the Law with the handling of loss mitigation assistance and filing for foreclosure. They are also continuing with business practices that was found by the CFPB in their recent enforcement action particularly to Illegally foreclosed on homeowners. I have tried for several months to seek assistance from Ocwen. Each time I call, I am routed overseas. Their Loss Mitigation is not handled in the United states, the Relationship Managers ( RM ) are all overseas. There is a huge disconnect when speaking to these individuals. They are hard to understand, and do not understand what I am saying. I have issued my Application for assistance along with income docs and my letter of hardship over five times now. Each time they time me, they did not receive it or it is not legible. I am losing my home because the lack of accountability from Ocwen and their Third Party Oversight.
I have continuously called into Ocwen checking on the status of my review for assistance. Each time I was told what I stated above and had to start all over. On XX/XX/XXXX, I called into check once again since I have not heard from anyone, and I was told my home is going to foreclosure sale on XX/XX/XXXX ( TODAY ). I received NO notice of this. I thought I was being received for loss mitigation assistance.
I am on Social security XXXX due to having XXXX My Mother who is elderly, just suffered from a XXXX XXXX XXXX also is on the Note and lives with me also on Social Security. There practices are UDAAP! Mt mother and I have no where to go because of there mishandling of my application for assistance and NO notice of the Foreclosure sale.
I had to go out on XX/XX/XXXX and take a title loan out on my car for {$1500.00} to retain a Bankruptcy lawyer to file Bankruptcy to try and save my home! This is now another debt I incurred due to the fact my application for loss mitigation assistance was mishandled. Plus, now I had to file Bankruptcy just to TRY and save my home!
I spoke with employee Suras, employee ID XXXX on XX/XX/XXXX. I explained to him, I had returned my application along with the requested docs sever times. His response was no you did not and when we did receive something it was not eligible. Let me advise you, I was never told there was an issue of any sort unless I called in! I was told, there records show the number they called was invalid! WRONG! My number is the same number I verify every time I call!
On XX/XX/XXXX- I personally scanned and emailed all the requested documents 4 times and called in each time and was again told either one not received or 2 not legible. I am loosing my home over this! I did everything I was asked EVRY TIME!
I would like to point out, they had a facially complete application. Under RESPA, Ocwen received my facialy complete application 45 days prior to any Foreclosure. Ocwen did NOT exercise reasonable diligence to make an incomplete application complete! Although providing a notice to the consumer about the information or documents that are missing from the application is a required step for applications submitted 45 days or more before a foreclosure sale is scheduled ( or when no sale has been scheduled ) which they DID NOT DO. Nor did Ocwen take additional steps to comply with the reasonable diligence standard!
I was continuously told, Ocwen does not consider a facially complete application. My house is being foreclosed on because they only had a facially complete application and not a complete. On XX/XX/XXXX, they requested mine and my mothers SSI award letters, two months bank statements and the Application I have sent several times by this point and told me THEY MIGHT be able to stop the foreclosure sale.
They are in violation of RESPA ( 1024.41 ( c ) ( 2 ) ( iv ), 1024.41 ( f ) ( 2 ) and ( g ) ) You may not make the first notice or filing for a foreclosure process or otherwise refer the consumer to foreclosure until the consumer has had a reasonable amount of time to provide the documents or information.
My loan application was never decisions by Ocwen, approved nor denied. They received my application and acknowledge they had had a facially complete application but because they did not receive a complete application, they scheduled the foreclosure sale and are selling my home! I was never given a change to appeal the decision because they name gave me a denial of my application! Under RESPA the right to appeal a denial of a loss mitigation application ( 1024.41 ( h ) ) and the right to a longer evaluation period ( 1024.41 ( e ) ) if consumers submit applications at a date 90 days or more away from a scheduled foreclosure ( or when no foreclosure sale has been scheduled ). For purposes of these protections, you must treat the application as complete as of the date a facially complete application was submitted, not the date any corrected documents or information were received. ( 1024.41 ( c ) ( 2 ) ( iv ) ) We are elderly, XXXX women who are subject to these UDAAP of Ocwen! The eact findings in the XXXX enforcement action of Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline.
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| 10/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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Ocwen insist in sending people to inspect my property in order to charge me once a week inspection fees although I will stay in the house and I will win my case against this abusive Ocwen in the Court of law. Ocwen used real hooligans to vandalize my property steal garden decoration or break solar lamps. They also use forge documents to an account that started with a fixed rate and now is adjustable rate. It is time to stop abusing my property. I will never be intimidate and I will protect my property until all is clear from this massive fraud. I am the sole owner and is time Ocwen stop abusing my property and in particular they must stop sending criminals under false pretest to XXXX inside my property? On XXXX XXXX, 2017 Ocwen sent another hooligan to visit my property and after walking all over and took picture he also took picture of my neighbor main entry and his property too. It is not clear if this was taken in order to try later one to defraud him since in our aria there is burglary. Since he is XXXX and since I was not home he went out asking this hooligan what is he doing taking photo and this hooligan almost start fighting my neighbor because he works for Ocwen a company that abuse and defraud people. My neighbor stated very clear that next time he will go out and if necessary he will not hesitate to make a very big scandal so the incident will be reported in press and TV. A solar lamp belong to my neighbor was also broken and I had to buy it back to him. How long Ocwen send hooligans to abuse my property? Due they have trespassing permission or is a standard abuse done intentionally by this horrible institution. I no longer do this. The neighbor report the incident against Ocwen to Department if Justice, police, and State Department since is not the first time. I am writing this incidents to the Chairman of Ocwen and he ignore this each week. It is time to stop abusing my property, stop using forge documents, stop modifying the account illegal and against our Government proposal to help customers not defraud them They try to increase the monthly payment from {$3000.00} to {$25000.00} since this is no modification this is fraud. How long can Ocwen send hooligan to XXXX inside my property. How many criminals you intend to send to my property. Two months ago my neighbor inform me that Ocwen sent a criminal that after taking photo he XXXX at the garbage aria and after he finish he put a filthy carpet and kneeled in front of it and start praying. The Police was called, the XXXX squad and Ocwen name now is all over those lists. Now Dept. of Finance will investigate against Ocwen so is time to stop vandalizing my property STOP, Again and Again XXXX XXXX ignores me and continue to send abuser to take picture and XXXX on my neighbors properties. The next abuser I find inside my property I will guarantee will be arrested. Ocwen continue to ignore all my letters concerning those abuses so I need CFPB to ask them to reply. My wife is a victim of banking fraud but for this there are Courts that can look into it. I reported this case to the Office of Attorney General as well As OTHER IMPORTANT Departments so in the future if they intend to send such hooligans again we can file criminal charges against the CEO as well as those people. I pray that his family will face a similar barbaric situation and I will be curious to see his reaction. I was told that 3 neighbors complained about Ocwen and their CEO personally to the State Department and we are going to see what will be next so they must STOP abusing my property. STOP. Why are Ocwen allowing this? My neighbor asked me if those criminal taking picture do this so they can burglar later on their house. I told them to make an official complain to the local Police and State Department to Justice Department to FDIC, Fed Reserve, Attorney General and so on. Why such hooligans are sent to private property and confuse it with Ocwens toilet? How do Ocwen feels if in their private property there is a similar incident? They sent hooligans showing off his XXXX XXXX to my neighbor a XXXX and he sent a photo to State Department asking them for clarification. Is this a new sick joke or is another form of abuse order by Ocwen? Almost nine months one of your Representative came at my property XXXX behind a big tree and acting very strange not knowing if he was under narcotic influence or alcoholic. He was extremely rude when he was asked what he was doing and he jump in a car and left very fast once people start coming in the street. He took picture of my property as well as other property and after it he start picking through the windows of my neighbors. Is the policy of Ocwen picking through the Window of a XXXX house? The XXXX file an official protest to the Secretary of State so such rude individuals will never come to visit our property again. We inform the police that Ocwen INTENTIONALLY terrorize my family and neighbors. I was told that the only reason this person under influence did not come inside my property was due to the fact that the Gardner was there. I expect this abuse to be the last one since is uncivilized to send such rude people to a property so he can defraud other property. Ocwen lied to me, abuse me and allow my property to be defrauded. As mention before Ocwen will be investigated by the office of Attorney General by Department of Finance too and by the similar office from Florida, NY, NJ, Pennsylvania, Georgia and by The House of Representatives which started the investigation as well as Department of Justice. FDIC, SEC CFPB, Fed Reserve and a few others too. I am also preparing my legal case against Ocwen abusive and deceiving institution as well as the one against the family of XXXX XXXX too.
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| 05/03/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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PHH Mortgage is in violation. I am restructuring as I've been misled purposely to derail truth from coming forward.
To begin, PHH Mortgage is in violation in many ways I'll start from the top. XXXX XXXX. In the XXXX v XXXX case in which my mother was a class member : XXXX filed this XXXX on XX/XX/2015. ( Doc. XXXX ). In the initial complaint, Plaintiff alleged that Ocwen violated Section 1692e ( 2 ) ( A ) of the FDCPA and the Florida Consumer Collection Practices Act ( " XXXX '' ) by sending periodic monthly statements and delinquency notices to borrowers, like her, who had previously received XXXX XXXX bankruptcy discharges of personal liability on their home mortgage loans, but whose homes were still subject to valid in rem mortgages. It is undisputed that the form and content of Ocwen 's Monthly Statements, as used during the relevant time period, attempted to follow the requirements of TILA and Regulation Z, and also that Ocwen 's regular Monthly Statements and Delinquency Notices that were sent during the relevant time period included bankruptcy disclaimer language, explaining that persons who had been discharged in bankruptcy should consider the correspondence to be for informational purposes only. In XXXX 's view, however, the Monthly Statements and Delinquency Notices were not required to be sent to borrowers whose personal liability had been discharged in bankruptcy, and improperly suggested that discharged borrowers remained personally obligated to continue making payments on their home loans. Violations of the FDCPA allow successful borrowers two kinds of damages : actual damages as proven by the claimant and statutory damages on a classwide basis. 15 U.S.C. 1692k ( a ). Plaintiff sought only statutory damages.
Now in understanding this, PHH Mortgage Services purposely sent disclosures to the improper address. Sending notices associated to this account to the XXXX which is in place to settle debts, implies the estate is liable which falls directly into the XXXX v XXXX case.
PHH maliciously sent disclosures to my homophobic brother that had zero liability or ownership rights despite me pleading for them to stop. This opened me up for slander, as he took private information and spread it throughout my family creating embarrassment and trauma, all while being deprived of my property and rights as successor.
On file we have proof that after I complied, and every attempt was made, PHH Mortgage repeatedly refused to accept me as successor, which created turmoil in my life. I wasn't allowed to see statements or seek help or ask questions because I wasn't authorized.
To illustrate the depth of unfairness hear this, I was denied prior to any default despite my best efforts, and was only accepts as successor AFTER foreclosure actions were initiated and under threat of lawsuit. Should I have to threaten a lawsuit to receive fairness? Is that equitable? I have a learning impairment, dealing with the death of a loved one, loss work, lock downs, no help to explain my options, PHH Mortgage sabotaged my opportunity and now seek to deprive me of my land and property by not engaging discourse so I can participate in the legal process.
This company has used deceptive destructive practices and communications.
I'm currently looking to file but need their attorneys Georgia bar # and the attorney XXXX XXXX of XXXX and XXXX is non-responsive. I need help in exposing how this company went out of its way to disenfranchise me by way of blocking me from full access to my land which affected my ability to work, grow, and enjoy my land. Suppose I had wanted to sale and use my asset that way I was barred and spun into default and now they seek to sale my home for auction although I was treated unfairly from the start.
They took advantage of my disability, death, and the crisis of COVID to subdue and ruin my opportunity.
The Ombudsman took nearly a week to call me back, although the required turnaround is 24-48 hours and then she hung up on me when I put further questions to her.
An agent pretended to be a " relationship manager '' and later admitted she wasn't available so she was taking his place, but she wasn't a relationship manager, she was a normal agent because she later transferred me to an escalation manager which is beneath a relationship manager, which means she misrepresented herself to be someone she was NOT.
I was told letters were sent out regarding my demand letter which covers damages and what I suffered as a result of the negligence of this servicer. For their attorney to not return calls to I can properly file is inappropriate. I'm writing this as evidence and to document the hellish nightmare I've been living since moving in and taking over for my mom. I have had to fully engage this and have had to cancel my tour to fight and defend my land against unfair treatment. I seek to sue PHH Mortgage, trust is destroyed as the purposeful misrepresentations, lies, harmful practices ( destroying cashiers checks, {$2000.00} legal fee for improper foreclosure added to my monthly bill ), principal balance going from {$57000.00} ( roughly ) when serviced by Ocwen to {$97000.00} ( roughly ) when transferred to PHH Mortgage. There is no trust and I seek to expose this company. PHH Mortgage is liable and this fight is for EVERY homeowner thats ever faced off against this behemoth. My working opportunities are being hindered, joy destroyed, and life ruined because of this company. Every area of my life has been affected.
Since I've been left out the legal process I've taken my fight public namely PHH and will continue to cover this in detail until I get justice. We're also looking to contact XXXX XXXX XXXX this for the public.
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| 06/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XX/XX/XXXX my brother and I purchased an investment home with our parents. My parents owned 45 %, I owned 45 % and my brother owned 10 %. In XX/XX/XXXX, our father passed away. We continued to make the payments even though it was a hardship due to the loss of our father 's income. In XX/XX/XXXX, our mother passed away and it became an extreme hardship for my brother and I. As of XX/XX/XXXX, we had made payments in excess of {$750000.00}. We understand that most of that was interest because of how the loan is amortized. We went to Ocwen Loan Servicing and told them we wanted to do everything we could to keep our family investment as it was the right thing to do and we had so much already invested. We were told to file for a loan modification. We filled out all the paperwork right away and it took over a year for them to receive everything they needed. They kept telling us they didn't receive documents even though we sent the documents certified mail. They would tell us one page was missing which was not the case because we scanned everything into one PDF and also emailed the files so if they received one page they received all the pages. The house at the time of loan modification application was appraised by a realtor ( comp basis ) of {$720000.00} but our balance was ~ {$840000.00}. They would not accept payments during the application process but they added late fees and penalties every month. Now they tell us we owe over {$960000.00} after paying for 10 years on an original note of {$990000.00} we only get credit for {$25000.00}. We purchased the house for {>= $1,000,000} so we had a $ {$330000.00} home equity line of credit on my parents primary residence which we had to sell at the time of my mother 's passing in order to pay off this debt. My brother and I now owe this to our remaining XXXX siblings in order to buy them out of my parents share. The original monthly mortgage amount that was paid for 10 years was {$6200.00} without escrow. We paid our property taxes and insurance on our own. We made all these payments on time until both of our parents passed away. After 14 months from the date of application for the loan modification Ocwen Loan Servicing gave us a trial 3 month payment plan. We asked for the terms and they refused to give them to us. They said you make these payments and then we will calculate your final modification. We made the 3 payments of {$6300.00} and then received the final modification to sign. They reduced the interest rate from 6.5 % to 4.125 % and left the maturity date the same. They started the loan over so we lost the benefit of having already paid the first 10 years of an amortized loan which is when the most interest is paid. They also added a balloon payment in the amount of {$430000.00} at the end of the 18.5 years. We were not aware of the balloon payment until after we made all our trial payments. I had to argue with them because the first payment for the trial payment was applied to the previous balance and not to the trial plan payments. We had over 50 calls during this process and it was never clear about what they were doing to help us. We told them that we would do anything they needed for us to keep our home but we could not keep paying at these rates. They told us we had 5 options : 1 ) Foreclosure, 2 ) Short sale ( they would accept under {$700000.00} ), 3 ) Accept the loan modification with the balloon payment, 4 ) Make payments at 6.5 % and over the next 11 months the payments would be over {$18000.00} per month to catch the loan up and then it would be caught up and we would pay {$7000.00} per month for the remaining 18.5 years, 5 ) Pay the remaining balance in one installment. We explained to them that we are applying for the loan modification because we are in distress. We feel that they have been deceiving all along. We paid the full flood and hazard insurance out of pocket yet they added those amounts into the past amounts owed because they thought they paid them. We sent them proof from our insurance company and showed cancelled checks and they still kept those payments on our debt. It is unbelievable how bad they have treated us. We have done everything we can to keep our home and will continue to do so. Right now they said they will not accept payments from us until we sign the loan modification agreement but it will be like starting over when we have already paid over {>= $1,000,000} which includes what we owe on the other equity loan. We are good people that have always worked hard and did the right thing. All we are trying to do is to keep our family investment that we made almost 12 years ago with our parents that are now both deceased. We are asking for help to require Ocwen Loan Servicing to treat us fairly so we can keep our home. We are upside down on this house. We have told them we are willing to continue to pay for the next 18.5 years but we need the terms to change. We were requesting the principal balance be reduced to what they said they would accept on a short sale which is ~ {$680000.00}, the interest rate to be reduced to 3 % which they alluded to when we applied, and allow the loan to be on year 12 of the amortization schedule so the high interest payments don't start over. They told us if they short sale it then they would accept less than {$700000.00} ( they mentioned {$680000.00} ). All we are asking is that we get the same opportunity that a new person could come in and just get without any previous investment since we have so much invested already and have the desire to pay the loan.
Please help us keep our family home.
Thank you for being here to help. We appreciate any assistance you can provide.
In Gratitude, XXXX XXXX XXXX XXXX XXXX
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| 10/14/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
Servicemember |
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To Whom It May Concern : I am writing to inform you about the horrific experience I am having with PHH Mortgage corporation and would like to file a complaint with the CFPB regarding this matter. I am a XXXX XXXX XXXX veteran and currently have a VA loan through the Department of Veterans Affairs ( VA ). I believe that my family and I are being discriminated against because we are an XXXX minority. I believe that PHH is attempting to foreclose on our home despite our full cooperation and compliance with all requested documentation. Please find a timeline of events below.
We experienced extreme financial hardship in XXXX due to several factors including XXXX, a job loss, a hurricane, and a severe decrease in our income. We immediately contacted PHH Mortgage and were told we could enter a forbearance program that would stop our payments until we were able to resume payments upon improvement of our financial situation. We were told that our missed payments would be pushed to the end of our loan at the end of the forbearance period and that wed re-enter good standing with our mortgage after that.
Upon resolution of our financial situation, we contacted PHH to notify them that we were able and interested in resuming payments towards our mortgage. We were told to submit an application and provide financial documentation ( bank statements and income tax return ) for proof of income. We were told that this would allow them to provide us with options for resuming our payments as we were not allowed to make payments unless we were able to pay the entire amount of all missed payments during forbearance.
We submitted the forms and were approved for a trial loan modification which included trial payments with an almost {$700.00} increase in our original mortgage payment, the first of which was sent in XX/XX/2023. We were told to make one trial payment, then were told to make three additional trial payments upon completion of the first payment ( sent in XXXX, XXXX, and XX/XX/2023 ). After 4 successful trial payments, all of which were made well before they were due, we were sent additional documents to sign, agreeing to the loan modification, requiring a notary. We submitted the documents exactly as they were requested and were told that we denied solely because the notary omitted my middle initial.
We attempted to speak to a supervisor regarding this matter and were denied the opportunity. We were told they would review the notary issue and get back to us. Upon review, we were told that it was in fact denied and we needed to either begin the application for modification all over again, foreclose, or enter short sale. We, of course, agreed to submit the application again.
We were asked to, yet again, submit an application and provide several documents including our bank statements. Upon submission of these items in XX/XX/2023 and a processing period, we received a letter in the mail requesting our bank statements again. We submitted them again, along with additional documentation for clarification though it was not required. After a processing period, we again received correspondence asking us for our bank statements. We submitted them a third time by the requested due date. Each letter requesting bank statements was received a month apart. We then unexpectedly received a letter in the mail at the end of XX/XX/2023 stating that PHH Mortgage had begun the foreclosure process on our home.
We immediately called PHH Mortgage upon receipt of that letter to address the miscommunication as we had sent every piece of required documentation on multiple occasions. We were told that we had never sent in the required documentation by the XX/XX/2023 due date. We told them that we had proof of email submission on XX/XX/2023 and upon bringing this to their attention, they confirmed that they in fact had received the bank statements. They then said that we needed to highlight the deposit amounts ( highlighting of the deposits was never requested in the paperwork sent from PHH mortgage ) and resubmit the bank statements yet again. We complied. The following day we called back to confirm receipt and were told that, upon review, we needed to submit the bank statements YET AGAIN as they needed to be highlighted. We advised them that the documents submitted the previous day had been highlighted as requested. It has continually appeared as though PHH mortgage is either not looking at the documents we submit or simply trying to push us out of our home. The representative confirmed that they were in fact highlighted and stated that he would submit a request to have the underwriting team review the documents again.
On XXXX, we called PHH mortgage again to speak to a supervisor regarding the settlement of this matter and were transferred 4 times and on the phone for a total of an hour. We were never transferred to a supervisor and were not allowed to speak with someone who could actually assist with this matter.
We finally received a call back on XXXX from a supervisor who assured us that shed review the documents we provided and would call us back the following day. She has not returned our phone call to this day despite various email follow ups requesting her to please call us back as she assured us she would. We are doing everything in our power to make payments on our loan and keep our family in our home; but we feel that PHH Mortgage is purposely trying to foreclose on us and prevent us from getting into good standing on our mortgage loan. We believe this could be due to discrimination as we are an XXXX minority family. Please assist us in this matter as we are willing and able to make payments and do not want to lose our home.
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| 12/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I applied for a loan modification in XX/XX/XXXX through the help of XXXX XXXX XXXX XXXX XXXX XXXX. I was granted the mod based on the trial period to start payments of {$1400.00} starting XX/XX/. I paid my payments of {$1400.00} XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as instructed.XX/XX/XXXX i was sent my " congratulations on your approved loan modification letter ''. As instructed a sent back the docs that were to be signed and notarized. This was done by myself one of the borrowers on the initial loan. As done in the past my documents ie., pay stubs, hardship letter, tax docs, application, etc. was the only docs and signatures submitted due to a divorce in XX/XX/XXXXwhich started all the mod processes. I was asked by Ocwen, the mortgage company prior to this mod to send in docs ie. divorce decree, quit claim deed , county clerk recordation, etc to substantiate my divorce and the fact that the other initial borrower ... my ex husband was no longer living in the residence or owner of the property or part of the process. Having done this in the past solidified his name never being required as a signator. As in a previous mod i followed suit and sent in the required docs that stated starting XX/XX/ i was to start my modified monthly payment of now {$1400.00} ( modified interest rate of 3.25 % and will be fixed for the remaining term of the mortgage account as follows {$1000.00} principal and interest, {$300.00} escrow, {$1400.00} total modified monthly payment, maturity date of XX/XX/XXXX ). I continued to make the previous trial agreement amount of {$1400.00} for the month of XX/XX/ and then per mod agreement amount of {$1400.00} for the month of XX/XX/. When trying to make the XX/XX/ payment, i was halted due to a " null and void '' account per the representative i spoke with. Per his notes it claimed my account was null and void due to the lack of my ex husbands signature. I explained to the agent that per previous mods and submission of all the docs pertaining to my divorce, quit claim deed, etc that Ocwen required from me and the county, that his signature was never required. I have in the past had problems/issues with Ocwen due to their unscrupulous and unethical practices of changing up terms and conditions and changing payment amounts hey claimed due to their error in the middle of my contracts again null and voiding my accounts even though i was making payments for which i have NEVER missed a payment in my paying history when having an " active '' account, all this always forcing me to apply for loan modifications where they always then went up in payment amount. This i feel was another ploy because they didnt like the payment amount to force me out of contract AGAIN and have to reapply for another loan modification only to go up in payment amount again or deny me which is consequently what happened. After months of fighting and trying to understand why my account would be closed due to a lack of signature that was never required before, i finally requested mediation. This mediation took place at my local courthouse on XX/XX/. Here i met with the mediator XXXX XXXX and the attorney for Ocwen XXXX XXXX. During this mediation it was confirmed that the account was null and voided due to the lack of signature from my ex husband supposedly due to some new rule where Ocwen no longer respects the documents that had previously requested of me. The attorney for Ocwen per questioning from the legal mediator stated that i simply needed to apply for another loan modification where this time my ex husband would be required to sign if was granted the mod. I explained that i had already sent per the law firms request of me another loan mod app already by certified mail on XX/XX/. As of our court date onXX/XX/XXXX, they claimed to had not received it. The attorney then took the copy of the loan modification application that thankfully had with me that i sent off in XX/XX/. The attorney stated firmly that the modification would be cleared due to the fact that it had already been granted and was initially accepted without my ex husbands signature and that he this time around would need to sign.This was stated both in front of me and the mediator due to the mediators question prompting the response. I stated that i wasnt sure if he would be comfortable in doing that but would try to reach out to him. I have then since been in compliance with all that Ocwen has requested of me ie. additional info, etc. Oddly enough when following up per phone calls to get status updates, etc. an agent asked me if my ex husband would be willing to sign. I stated he would. However i then receive a letter dated XX/XX/ stating that my modification was denied and that i would be facing foreclosure if i didnt apply for an appeal by 14 days of the letters date. Again oddly enough, despite the XX/XX/2018 date that the letter states, i didnt receive until XX/XX/XXXX which due to a death in my family i wasnt home and wasnt able to open letter until XX/XX/. I immediately called and was told to submit the appeal request by email which i did on XX/XX/. I am null and void of the understanding of how my loan mod request was approved initially and i did everything correctly to then unfairly due to " a new rule '' have my account inactivated. And then to have been told by Ocwens attorney during mediation to simply to reapply for another mod which would approved and just have ex husband to sign to being denied. How does this happen to good and decent people who just want to stay in their homes and give literally all of their money/paychecks to make this happen. I could see if this all happened because i was non compliant .... Unfair and unethical!!!
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| 04/29/2021 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX, XXXX.
XXXX caused wind damage to my home.
Filed damage claim with XXXX XXXX, XXXX, XXXX, XXXX, XXXX.
NOTE : Had three quotes from roofing contractors confirming said wind damage.
Contacted Citizens and filed claim.
Their appraiser came, while he was here, another roofing contractor was here.
Results, was threatened by this XXXX XXXX about filing a false claim and that a decision would come from XXXX approx 10 days.
Got call 9 days later, told, you will get XXXX to cover minimal damage and that they will not pay for ceiling damage cause by water. Fact.
I immediately Googled attorneys, found XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX.
Fast forward from XX/XX/XXXX to XX/XX/XXXX.
Settlement agreed and signed, XX/XX/XXXX. Amount was XXXX dollars, XXXX to XXXX, XXXX to me.
Told by Law firm that XXXX was mine to cover new roof, the balance, I though was pain and suffering but actually it was not.
In fact, this law group did nothing for me at all over emotional distress and the fact they new I was on a REVERSE MORTAGE.
This whole time and I told Me XXXX, I can not be defaulted over this Reverse MORTAGE and thrown out.
Terrified.
When I signed the settlement agreement believing that XXXX was mine and I had to take care of new roof,,, WOW, what a shock when I contacted PPH, the adjoined subsidery to monthly reports of my loan,,, WAS TOLD THAT THE CHECK, XXXX WHICH COMES WITH BOTH, MY NAME AND THEIRS WILL BE DEPOSITED INTO THEIR ACCOUNT AND THAT I WOULD NOT GET ANYTHING TILL : A ). ALL REQUIRED DOCUMENTS WERE SENT WITH CHECK.
1 ) SIGNED ROOF CONTRACTOR CONTRACT.
2 ) A WAIVER OF LIENS, DOCUMENT.
3 ) W-9 FORM FROM THE CONTRACTOR.
Very important, A COMPLETE COPY OF THE SETTLEMENT AGREEMENT BETWEEN ME, XXXX XX/XX/XXXX AND CITIZENS INSURANCE.
THE QUOTE IS {$6700.00} I BELIEVED MY ATTORNEY WHEN TOLD THAT THE XXXX WAS MINE, MAKE SURE TO COVER NEW WORK.
( I AM A SENIOR CITIZEN, DISABLED WITH OVER 20 YRS OF CONTRACTOR EXPERIENCE ) THE PPH customer service advised me, no sir this not yours.
Once you satisfy our requirements, A ) Roofing contract will get half of quote for starting materials.
B. ) The Contracter will not get the other half till they send a inspector to check work. Only then can a check be sent.
C ) Once Contracter is paid,,, HERE 'S WHERE I GET SCREWED.
BACK WHEN I FIRST WAS TAKEN CLIENT BY XXXX XXXX XXXX,,, I WAS TOLD BY CITIZENS INSURANCE TO COVER HOME TO PREVENT ANYMORE DAMAGE, TARP YOUR ROOF!
I did not have the funds to do so, e mailed the XXXX XXXX, Legal assistant, XXXX, told her that not knowing what to do. She told me, don't worry we will take care of.
TTHE VERY NEXT DAY A CREW OF MEN SHOWED UP, PUT TARP ON HOUSE, AND I SIGNED AN ELECTROIC NOTE PAD BELIEVING IT WAS A COMPLETION ORDER.
2 WEEKS LATER, GOT 2 REGISTERED PACKAGES FROM CITIZENS INSURANCE.
THEY INFORMED ME THEN THAT BECAUSE I SIGNED A REASSIGNMENT CONTRACT WITH ROOF DOCTOR, THE TARPING COMPANY, ANY CLAIM PAID WOULD GOT TO THEM!
I WAS SHOCKED, I KNEW ALREADY NOT TO SIGN ANY DOCUMENT LIKE THAT YET WAS NEVER TOLD NOT TO SIGN ANYTHING CONCERNING THE TARP INSTALL. CALLED MR XXXX OUTRAGED CLAIMING WHY DID THIS OCCUR, WHEN YOUR FIRM SENT THEM WITHOUT OFFERING ANY DIRECT INSTRUCTIONS, I FELT DUPED, ALSO FOUND OUT ONE OF THE OWNERS OF " THE ROOF DOCTER IS MR XXXX XXXX FRIENDS!
MR XXXX SENT THIS FRIEND OVER TO MY HOUSE TO PICK UP THOSE DOCUMENTS, WAS ASSURED A LIEN WOULD NEVER BE FILED AGAINST MY PROPERTY, I REQUESTED A SIGNED WAVIOR AGAINST LIENS FROM HIM, HE SAID HE WOULD DO IT. NEVER HAPPENED. THIS GUY ALSO, BEFORE I GOT THOSE DOCUMENTS TO GET A MOLD, FUNGUS REPORT BECAUSE MOLDING SPOTS HAD APPEARRED, REFURRED ANOTHER COMPANY HE USED, TOLD TO TO SIGN THAT REASSIGNMENT DOCUMENT, CLAIMED THESE BILLS WERE NOT MY RESPONSIBILITY TO PAY THAT THESE BILLS GO TO A DIFFERENT DIVISION OF CITIZENS, NOT THE CLAIMS DIV.
I TRUSTED HIM.
HE TOOK THE DOCUMENTS STRAIGHT TO XXXX XXXX XXXX.
BECAUSE I BELIEVED THIS MAN, HAVE BEEN ASSURED BY AN ATTORNEY NAMED XXXX THAT THOSE 2 BILLS ARE NOT PART OF A SETTLEMENT,,, THAT'S EXACTLY WHY I MADE SURE WHAT THIS ATTORNEY SAID CONCERNING THAT XXXX DOLLARS, XXXX GOING TO LAW GROUP, SHE ASSURED ME, I AM NOT RESPONSIBLE.
THIS IS MY TERRIFYING ISSUE.
THE INSURANCE COMPANY NOTIFIED PPH ABOUT YHOSE 2 REASIGNMENT CONTRACTS, PPH NEVER CONTACTED ME CONCERNING THIS AT ALL. THE INSURANCE COMPANY REQUIRED BY LAW TO INFORM THEM I AM TRULY UPSET WITH PPH AND THEIR NON NOTIFICATIONS AT TIME OF CONTACTING, THEY CLAIM THEY HAVE THE RIGHT TO WITHHOLD MY MONIES. I ONLY NEEDED TO COVER NEW ROOF, I THOUGH!
PPH, BECAUSE OF THE " DAMAGE SETTLEMENT AND ITS SPECIFICS '', WHY IS NEW ROOF ONLY XXXX, YET THE SETTLEMENT IS XXXX, MAJOR FLAG, NOTHING TO PAIN AND SUFFERING.
I BELIEVE THEY WILL TAKE MY FUNDS AND PAY THOSE TO OTHER CONTRACTS, TARP, AND MOLD, OUT OF MY FUNDS, THEY ARE NOT TELLING ME THIS, I ALSO BELIEVETH XXXX LAW GROUP KNOWS THIS, AGAIN EHY SO MUCH SETTLEMENT AMOUNT WITH SUCH SMALL ACTUAL DAMAGE, MAJOR DECEPTION, MAJOR UNKNOWING WHAT THE TRUE DETAILS, TOLD NOTHING BY PPH REVERSE MORTAGE, NOTHING.
I AM SO EMOTINALLY UPSET, TERRIFIED DUE TO THIS IDEA THAT PPH COULD DEMAND SATISFACTION TO THEIR LOAN AND EVEN WITH THE XXXX XXXX XXXX ASSISTENCE, I CANT TRUST ANYONE!
COULD YOU?
XXXX XXXX XXXX NEVER REQUESTED ANY DAMAGES FOR MY EMOTIONAL DISTRESS, INFACT TOLD BY XXXX, THE DEALINGS WITH YOU MORTAGE COMPANY IS NONE OF OUR BUSINESS, WOW, RIGHT THIS SECOND, SHAKING AND OH SO WORRIED, CAN NOT LOOSE MY HOME.
RESOLUTION :. THEY ARE NOT ENTITLED TO KEEP THE DIFFERENCE FROM THE ROOFING CONTRACTOR FOR ANY OTHER DAMAGE, THERE IS NONE.
I AM DEMANDING MY DIFFERENCE.
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| 09/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I got behind on my mortgage after I incurred unforeseen expenses in helping my ill, elderly motmy to relocate from storm-ravaged XXXX XXXX and move in with me. After I was sued in foreclosure, I applied for a mortgage modification and was offered a trial streamline modification from my former servicer, Ocwen. I timely made the first payment in XX/XX/2019. The servicing of my loan was transferred from Ocwen to PHH/XXXX close in time to the commencement of my trial plan.
In early XX/XX/2019, I called PHH/XXXX to make my timely second trial payment. I stated that I wanted to make a payment in the amount stated on my trial offer as the required monthly trial payment : {$1300.00}. Instead, however, the representative with whom I spoke insisted that the required payment was less than the amount stated on the trial offer, and even though I was worried and reluctant, I believed that the representative had superior information and followed his instruction to make the lesser payment.
My apprehension later proved to be warranted when I called PHH/XXXX to make my timely third trial payment in XX/XX/2019 and was told that I had been kicked out of my trial plan because my XXXX payment was insufficient. I explained to the PHH/XXXX XXXX employee that I had made the payment that I was instructed by PHH to make, and even asked that PHH/XXXX XXXX listen to a recording of the call if one had been made and retained so that PHH/XXXX XXXX could see that the error was on PHH/XXXX XXXX XXXX part. PHH/XXXX XXXX agreed to investigate.
Increasingly worried that I might lose my house despite being offered a trial modification and complying with my servicers instructions, I called PHH/XXXX XXXX several times in XXXX and XXXX to find out the results of its investigation. Finally, on or about XX/XX/2019, PHH/XXXX XXXX informed me over the phone that PHH/XXXX XXXX had listened to the tape of my call in early XXXX to make my trial payment, and that I had accurately described the events : I had tried to make the correct payment, and the PHH/XXXX XXXX employee had insisted on collecting a lesser payment. Upon making that determination, PHH/XXXX XXXX directed me to make a payment representing trial payments for XXXX and XXXX, as well as the difference between the correct trial payment for XXXX and the payment that the PHH/XXXX XXXX employee had insisted upon. The total amount of the payment required by PHH/XXXX XXXX was {$2700.00}. PHH/XXXX XXXX told me that in order to restore my trial modification, the payment must be received by PHH/XXXX XXXX no later than XX/XX/2019.
On XX/XX/2019, I sent a check for {$2700.00} to PHH/XXXX via USPS Express Mail to the XXXX, Pennsylvania address provided to me over the phone. When I tracked the delivery, I saw that it had been delivered to the post office in XXXX, Pennsylvania at XXXX XXXX on XX/XX/2019. I called PHH/XXXX promptly thereafter to confirm delivery, but a representative told me that the payment had not been received. I called repeatedly thereafter, but each time, PHH/XXXX told me that my payment had not been received. I called the post office in XXXX and was told by a USPS employee that the package had been deposited into the PHH/XXXX post office box and there was nothing further that the USPS could do to cause PHH/XXXX to collect the package. I pleaded with PHH/XXXX to accept a phone payment from me, becausefor reasons that were not then and still are not clearPHH/XXXX had not looked for the package I had sent, much less applied my payments.
On or about Friday, XX/XX/2019, I and my advocate from XXXX XXXX XXXX XXXX telephoned PHH/XXXX. During that lengthy call, my advocate and I had to summarize all of the foregoing for the PHH/XXXX representative, who initially saw only the old notes about the insufficient XXXX trial payment and was unaware that that dispute had been resolved in my favor. I told the PHH/XXXX employee ( who identified himself as XXXX, employee # XXXX ) the address I had sent the check to, and the employee conceded that I had sent my payment to the correct address. He indicated that he would send a message to the mail room instructing them to check the post office box for my payment. At that point, he said, either the payment would be applied and I would then be asked to make another trial payment for XXXX ; or the payment would be returned to me and I would be asked to make one payment representing the shortage of the XXXX trial payment plus trial payments for XXXX, XXXX, and XXXX. We were encouraged to call back the following Tuesday to follow up. When I asked if I could simply resolve the matter by making the full payment over the phone, the PHH/XXXX representative said it was not possible.
My advocate at XXXX XXXX XXXX XXXX called PHH/XXXX on or about Tuesday, XX/XX/XXXX, and was told that PHH/XXXX was still investigating. The representative suggested calling back on Friday.
My advocate at XXXX XXXX XXXX XXXX called PHH/XXXX on or about Friday, XX/XX/XXXX, and was told by employee XXXX that PHH/XXXX is still looking for my payment and meanwhile the mod is still canceled and " may not be '' revived. My advocate asked to be transferred to a supervisor. Once connected to a supervisor ( employee XXXX ), my advocate had to explain the entire issue once again to him. After putting the call on a lengthy hold, the supervisor returned to the call and said that trial modification can not be reinstated until the payment is posted and PHH/XXXX is still looking for it. The supervisor said he had put in an " escalated '' inquiry to track the payment. Since last Friday, I have had no updates on PHH/XXXX supposed efforts to find my payment.
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| 03/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX I fell behind on our Mortgage Payments. It eventually led to a Foreclosure Lawsuit filed by XXXX XXXX XXXX, XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I had NO idea who this was, since my Mortgage was with XXXX XXXX XXXX XXXX. If my loan had been sold, I was not informed. So I called and asked, " Could you tell me who owns my note, and give me some proof? I want to be paying the right person. '' At that time I was told that they couldn't tell me. And to this day, neither Ocwen nor the Trust has given me any proof that they actually own the note.
They have filed four foreclosures against my wife and I. In the last one, filed on XX/XX/XXXX ( return date ) it was eventually dismissed for no action on their part ( as I stood there in Court with my Attorney that day to defend myself ). In short they have harassed and harassed us for years and then wasted all my time defending myself, which cost me a substantial amount of resources, for nothing.
Currently, they are pursuing the fourth foreclosure on my property in eight years, and again bullying and costing me a substantial amount of time and resources. I am complaining because of their constant seeming contravention of regulations and law. Such as : 1. They have refused, for years, to provide a full accounting of each and every payment, charge, fee, etc. So, we don't actually have a payment/charge history, since they cant provide one.
2. They have signed me up for Modifications which I have not agreed to and begun billing me new amounts that I never agreed to.
3. They submitted incorrect Mortgage statements with outrageous Escrow Payments amounts and other charges.
4. Many mortgage statements have included the wrong payment amounts.
5. They have filed in court a fraudulent assignment of the Mortgage, bifurcating the Note and Mortgage. This happens to violate the Trust structure and regulations, even if it was valid. The Trust was closed to new Mortgages in XX/XX/XXXX. It was therefore impossible to put a defaulted Mortgage into the Trust at the date of this assignment. Also, he agency of an entity that didnt exist was forged - XXXX XXXX XXXX XXXX didnt exist at the date of this assignment ( they hadnt existed for many years ) and most notably, having not existed and paid fees, were not members of MERS. ( Attached ) 6. They have filed in court a Modification which I had not agreed to on this loan. ( Attached ) 7. They have failed to provide a chain of title. I.e to prove that they are actually the Owner of the Note.
8. They have filed in court, on statements and in public recored for investors in the Trust multiple principal amounts. I.e. it is impossible to know the current principal, especially considering # 1 above. These different amounts are : Original Principal Amount XX/XX/XXXX : {$770000.00} Modification Amount ( 1 ) XX/XX/XXXX {$790000.00} Modification Amount ( 2 ) XX/XX/XXXX {$210000.00} Principal Amount XX/XX/XXXX : {$750000.00} Principal Amount XX/XX/XXXX : {$660000.00} I have to believe considering their behavior that there are a host of violations of the Connecticut Banking Department Regulations as well as Federal violations such as those of the CFPB, TILA and RESPA.
In short it has been ever so confusing, vague and of the appearance that they clearly are NOT the Owner of the Note and Mortgage, because they cant even administrate it correctly and they are completely evasive about proving that they properly own it. Their recent bullying in Court only reinforces their appearance of nefariously obtaining the information on my loan and trying to make money from it that they shouldnt. And if by some momentous act, they pull together the documentation, it has been 8 years in the making. Weve waited that long for it.
At this point, if I am told that they will defend any other claim on my Note and Mortgage, I am willing to work out a Modification with them, and I have offered to do so, with THEIR figures : Our first attempt was to agree take THEIR Modification filed in Court during this current Foreclosure of {$210000.00}. They refused.
Our second attempt was the principal amount of {$660000.00}. They refused.
My logic in doing this is that I can either continue to pay my attorney, expenses of which have exceeded {$200000.00} at this point, or I can find a way, whether I agree with them or not, to settle on an amount that puts this issue to close.
Whatever the solution, we believe that they are not due any interest from the time that I began requesting information from them ( XXXX ) and they did not provide it, which continues to this day.
To date they, through their attorney have been confrontational, bellicose and refusing to provide the kind of information that would prove that they are the Owners of the Note. ( I should state that in all of those years since XXXX, they have only produced the actual Note in Court last year, XXXX. That is 8 years after I initially asked them and after many many requests since then. ) While this adds some credence to their claim, it proves either that they are thieves or that they might own the note. It doesnt prove that the actually own in - I am stating this in accordance with their Trust creation documents, and it also aligns with New York Trust Law ( they are a NY Trust ). Compounding this is there absolutely inept servicing of the loan, which truly only heightens the alarms about their ownership.
We are hopeful that someone can help us, and at this point I am reaching out to all avenues I can, to finally bring peace to me house. Any help would be appreciated.
Sincerely, XXXX XXXX XXXX XXXX XXXX
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| 10/13/2020 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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OCWEN Unfair/ Inaccurate Reporting, Lack of Customer Support and Credit Hardship Explanation : This house was our primary residence from XXXX to XXXX at which time I was relocated for work to XXXX and we were unable to sell the house XXXX values had fallen due to local economic factors ( oil and gas ) so we chose to rent the property until values rebounded. Renters exited in XXXX of XXXX. Property placed on market in XX/XX/XXXX. Buyer proposed purchase contract accepted in XX/XX/XXXX with projected close date in XXXX of XXXX. Long story ( see email attachments from previous email below ) but external water facet was frozen when house winterized and then thawed and came on without our knowledge resulting in 56,000 gallons of water running down the foundation wall. This resulted in the house sinking and the foundation being compromised to the point were engineers deemed the structure unsafe to live in. All this occurred one day before closing on the sale of the home leaving the home unable to rent or live in with repair cost estimates being > {$150000.00}. We immediately contacted OCWEN and our insurance company about the event and OCWEN told us to work with our insurance company to process the claim. Our insurance company denied the claim and we notified OCWEN who told us they couldnt help us while the mortgage was in good standing. We notified OCWEN that we could not afford to continue to pay the mortgage on a home we couldnt live in or rent. OCWEN recommended we seek legal counsel to pursue the insurance claim which we did at our own cost. When asked about not paying mortgage they stated it was our choice but they couldnt help us at this point so we stopped paying mortgage and put our money into legal counsel. Multiple lawyer correspondence and a formal demand letter sent but insurance company still denied the claim. Notified OCWEN that insurance claim was denied again and OCWEN told us that they couldnt help us until our account was enough delinquent to trigger mortgage assistance department and recommended we contact VA to see if they could help since the loan was a VA loan. We reached out to VA who sympathized but could not help. We notified OCWEN of VA response and asked to be escalated to supervisors, other departments, and eventually asked to talk to the CEO of OCWEN which got us assigned to two specialists to help assist us. Contact with OCWEN increased as we went through the short sale process. Several delays with OCWEN processing application led to a few contracts being abandoned by buyers due to delays. The fourth contract was successful but involved us contacting OCWEN three times per week to pressure them to be responsive and it still took them 5 months to process. Below is a high level timeline : 1. XX/XX/XXXX home put on market for sale.
2. XX/XX/XXXX water shut off and home winterized by contractor.
3. XX/XX/XXXX buyer purchase offer accepted and home under contract.
4. XX/XX/XXXX water reconnected and home de-winterized by contractor so buyers could complete home inspection which found no issues.
5. XX/XX/XXXX final walkthrough prior to closing on XX/XX/XXXX completed and massive structural damage found throughout the home.
6. XX/XX/XXXX water company investigation found external water facet on and 56,000 gallons of water recently flowed down foundation wall.
7. XX/XX/XXXX OCWEN notified on structural damage and advised to contact insurance company.
8. XX/XX/XXXX XXXX insurance contacted to start claim process.
9. XX/XX/XXXX real-estate home re-inspection completed with massive structural damage found that was not on present during first inspection in XXXX.
10. XX/XX/XXXX independent engineering firm retained and assessed that structure unable to support living in. OCWENXXXX XXXX XXXX of findings.
11. XX/XX/XXXX XXXX denied claim. OCWEN notified of claim denial and inability to continue to financially pay mortgage. OCWEN unable to help as not delinquent enough to trigger hardship department but recommended we contact a lawyer to pursue insurance company as well as VA to see if they could help.
12. XX/XX/XXXX legal counsel demand letter sent to XXXX. OCWEN notified.
13. XX/XX/XXXX XXXX again denied claim and legal counsel stated next step was lawsuit but would be costly with no guarantee of success. OCWEN notified and unable to help with legal cost support. We demanded to be escalated to multiple supervisors and departments over days of phone calls. OCWEN assigned specialist to help and recommended short sale. Realtor retained to pursue short sale.
14. XX/XX/XXXX to XX/XX/XXXX multiple OCWEN Hardship Applications, multiple Short Sale Contracts, extensive delays by OCWEN to process timely, request to escalate to CEO, and finally connected with a representative who was able to process the 4th short sale contract prior to buyer cancelation : a. XX/XX/XXXX OCWEN Hardship Application # 1.
b. XX/XX/XXXX Short Sale Buyer Contract # 1 ( canceled due to buyer repair cost analysis ).
c. XX/XX/XXXX Short Sale Buyer Contract # 2 ( eventually buyer canceled due to OCWEN processing delays ).
d. XX/XX/XXXX OCWEN Hardship Application # 2.
e. XX/XX/XXXX Short Sale Buyer Contract # 3 ( eventually buyer canceled due to OCWEN processing delays ).
f. XX/XX/XXXX OCWEN Hardship Application # 3.
g. XX/XX/XXXX Short Sale Buyer Contract # 4. Escalation to CEO, weekly scheduled appointments, and finally 3 times per week calls and emails to push OCWEN to process timely. Still took 5 months for OCWEN to process.
h. XX/XX/XXXX OCWEN verifies all funds and transferred and account closed with no further obligation on us.
|
| 11/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I received foreclosure papers in XX/XX/XXXX. I tried doing a short sale. I had a cash buyer and an offer and contract were submitted to Ocwen for approval in XX/XX/XXXX. The short sale offer was accepted by Ocwen and my realtor submitted all the documents to have the buyer approved. We waited for Ocwen to send the approval letter so we could close on the sale but the approval letter never arrived. Between my realtor and I, we must have called Ocwen over 30 times in a period of almost 3 months. We were told repeatedly that a relationship manager would get back to me. No one ever returned our phone calls or emails. I finally got a phone call 3 months later and was told that the appraisal report had expired and therefore the short sale had been denied. Ocwen apologized for not returning any of our phone calls and said we had to start the whole process all over again and order a new appraisal. When I notified the buyer he backed out because he had already lost so much time he was afraid the house might foreclose before we could actually close on the deal. I then opted for a loan modification but when I received the approval letter, the new monthly payments were completely unaffordable. I then opted for a Deed-in-lieu and sent in the requested documents and actually received an approval letter in XX/XX/XXXX that stated that I needed to be out of the property by XX/XX/XXXX. Ocwen sent a notary public to my house in late XX/XX/XXXX to sign the deed with two witnesses. The notary public advised me that she would overnight all the documents to Ocwen. I moved out of my house on XX/XX/XXXX and notified Ocwen in writing via email. They replied stating that someone from the home preservation team would contact me to secure the property and that my account had been approved for {$10000.00} relocation funds. They said I would receive the relocation funds by mail 3 business days after the DIL was finalized. I waited for the home preservation team to call me for the keys but no one ever called. I sent several emails to the relationship manager asking when were they going to call me but I kept getting replies stating that someone would contact me soon. Finally on XX/XX/XXXX I got an email from the relationship manager stating that the home preservation team had advised them that the property was occupied and that I needed to vacate the property as soon as possible or the DIL might be denied. I replied to this email stating that that was not accurate. I had told Ocwen several times via email that I had moved out of the property on XX/XX/XXXX. The property is in a gated community and they would not have let anyone in without the guard calling me first. No one ever contacted me so I knew they were lying. On XX/XX/XXXX I got a reply to that email from the relationship manager stating that the DIL had been denied because someone from the home preservation team had spoken to me on XX/XX/XXXX and that I had supposedly said that I had not vacated the property. Which again, is a complete lie! They even threaten of an eviction! I have been trying to tell them for over a month that I moved out on XX/XX/XXXX and I've been waiting on the phone call to go meet someone at the property to hand them keys. On XX/XX/XXXX, I finally spoke to my relationship manager over the phone and explained everything in detail. He then transferred me to the DIL department and stayed on the phone listening to everything. They apologized and admitted that they might have called the wrong number or person. They said they would proceed with the DIL and that within 5 days someone from the DIL department would call me to schedule an inspection at the property and that soon after that the DIL would be finalized. I then received an email on that same day from the relationship manager apologizing again and summarizing our phone call. I sent an email to the relationship manager yesterday, XX/XX/XXXX, letting him know that I still had not received a phone call for the inspection. They had said someone would call within 5 days and the 5 days were up. I received a reply to that email this afternoon, XX/XX/XXXX, stating that the DIL had been denied and that I would have to reapply. No further explanations. I now believe that every time I email the relationship manager, random people who don't know what's going on are replying and this is going around in circles. In the email replies that I am getting, they are passing themselves off as my relationship manager, but this is not true. I am very frustrated and the final foreclosure sale date on my property is on XX/XX/XXXX. It already has been postponed 4 times at Ocwen 's request to proceed with the DIL. In the meantime, I am getting bills from the XXXX XXXX XXXX XXXX and the water utilities department. They say that the property is still in my name and therefore I am responsible for these bills even though I moved out at Ocwen 's request. I paid all my XXXX fees through the month of XX/XX/XXXX, and I moved out on XX/XX/XXXX. The XXXX monthly fee is {$270.00}. I paid my water bill through the month of XX/XX/XXXX but they say I still have to pay $ XXXX monthly base fees even if there is no water consumption. I can not afford to pay these fees since I moved out over a month ago and I'm having to pay these fees for my new residence. I don't have money to hire an attorney and I feel they are taking advantage of me because I have no legal representation. The communication with Ocwen is terrible and they just really don't want to help anybody. They offer all these alternatives to foreclosure but if you accept, they don't follow through.
|
| 04/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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This complaint has not been thoroughly reviewed. The concerns have not been addressed : OCWENS excuses will not suffice in the face of " RESPA ''.
My concerns at this point is that this complaint be reviewed by HUD and the CFPB for RESPA violations. That these transactions be thoroughly investigated by both agencies. OCWEN has had several opportunities to correct servicing errors and provide information that should have been provided XX/XX/XXXX. I have made several calls to XXXX XXXX without a return call. This situation needs to be escalated to his attention.
You are obviously not aware how serious this situation is and you can't just sweep it under the rug by transferring this loan to XXXX XXXX/XXXX XXXX, who has their own history of servicing errors. I should have been notified that you were transferring my loan in XX/XX/XXXX.
You returned my XX/XX/XXXX payment another " RESPA '' violation, sec 6. " RESPA '' states to continue to make all payments to OCWEN until OCWEN resolves this complaint. This complaint has not been resolved.
You did not fully disclose information that should have been disclosed. OCWEN is now continually trying to retaliate because information became available to me that should have been routinely and procedurally provided to me.
You never provided the documents until after the dates specified. This when the original documents were sent to an attorney who was no longer my attorney XX/XX/XXXX. XXXX XXXX never listed OCWEN in my account which caused a whole set of other problems. I provided documentation very early on before the loan process in regards to this. The modification documents were sent to XXXX XXXX only and had to be sent to me at a later date than you required. That is why my first payment was not on XX/XX/XXXX, XXXX.
You never provided the final documents after the payments were made as promised before XX/XX/XXXX. You can't sign what you don't receive. I continued to make the payments 5 until I finally found someone to correct the problem. I spoke with several individuals and only one person admitted that everyone there did not know what to do or send.
Once the papers were sent well after XX/XX/XXXX they were signed notarized and returned once received. OCWEN made the same mistake twice XX/XX/XXXX and XX/XX/XXXX. Once again OCWENS servicing error.
OCWEN was supposed to tell me they were going to transfer my loan XX/XX/XXXX during the loan process XX/XX/XXXX, not XX/XX/XXXX, again a violation of RESPA. OCWEN only decided to transfer my loan when I questioned information that was supposed to be disclosed to me not discovered by me.
When I pointed out OCWENS servicing errors you started requesting information on the estate of my deceased daughter before you could speak with me. Documents that had already been provided to OCWEN, after 5 payments had been made to OCWEN. I received 3 more packages after I had sent the signed and notarized document to OCWEN? No one knew what they were doing. I don't believe that you don't or didn't know what took place. This is how OCWEN has always done business.
OCWEN never provided a documented breakdown of thousands of dollars over and above the principal balance, another RESPA violation. It was never explained whether monies were to be forgiven once the trial period was over as some relationship managers were saying or the later introduced balloon payment. Everyone was asking where did I get the information? Someone obviously knew to provide that information and I am sorry you are angered and trying to punish for my receiving the information. The time to provide this information was XX/XX/XXXX not XX/XX/XXXX as you state, another " RESPA '' violation.
OCWEN has not and did not provide a complete break down of the amounts going into the loan. XXXX XXXX/XXXX XXXX is not going to know what that break down is?
I welcome the opportunity to have thoroughly reviewed OCWENS " RESPA '' violations. That's what is needed at this point. This is the concern raised. Your records reflect that you have been accepting my payments and I am requesting that XXXX XXXX be apprised of this situation regarding my deceased daughters ' account, The Estate of XXXX XXXX. I have been making payments to this account. You accepted my payments in my name. You received a completed assumption package in XX/XX/XXXX that changed the account into my name. You knew the status of the account and you sent me the package. I followed all instructions which were under my control.
The signed Loan Modification Agreement was never sent until after the required date of XX/XX/XXXX. The modification offer was withdrawn in error. These are servicing errors and " RESPA '' violations created by OCWEN that OCWEN has to correct or resolve. Not XXXX XXXX/XXXX XXXX.
Documents were only mailed to XXXX XXXX and not myself XX/XX/XXXX and I made it clear to XXXX XXXX time and again and in writing, that XXXX XXXX no longer represented me. XXXX XXXX formed a relationship with a para legal in XXXX XXXX office and compromised my personal information.
If you had investigated you would have found that you made a servicing error one of many. If Ocwens mission is to help homeowners why would you rescind an offer that you failed to respond properly on? You did not timely provide documentation as promised as you claim. Everyone knows OCWENs reputation and you have denied everything because you can. The files need to be examined to get to the truth. I am addressing this situation as violations of " RESPA ''. OCWENS response has not addressed these " RESPA '' violations.
|
| 01/06/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX, my husband and I are homeowners in XXXX, PA. We live just outside XXXX XXXX in the XXXX XXXX section of XXXX XXXX XXXX I am submitting this complaint in an effort to bring the business practices of PHH Mortgage to your office 's attention.
For the past six years we have been fighting for a mortgage loan modification in an effort to save our family 's residence and home. My husband, XXXX XXXX and I moved here with my son XXXX in XXXX because it was central to public transportation. My husband is handicapped and unable to drive so it was important to live in a family friendly neighborhood that was centrally located.
Our hardship began in XXXX when my father, a United States veteran was diagnosed with XXXX. I was forced to take time off from work to help with his care and ultimately we fell behind on our monthly mortgage payments.
Unfortunately In XX/XX/XXXX my father passed away as a result of his XXXX. At that point I was able to return back to work and again get back on track with my payments so I reached out to my lender PHH Mortgage for options. The first time I applied for a modification I was denied. At that point I felt it was important to obtain legal counsel.
I worked with a lawyer for a very long and stressful 2 years. We went back and forth with PHH constantly running out the time clock on multiple applications. Ultimately, PHH denied the modification even after an appeal and litigation.
In XXXX my lawyer stopped representing my case and instead encouraged me to apply again on my own. The effect of the Covid-19 pandemic had set in and staffing was too low for her to continue my case. I again began the long and painful application process by myself. Once again PHH would run out the time clock on all paperwork, ultimately forcing me to continuously resend the application time and time again until XX/XX/XXXX.
Finally in XX/XX/XXXX I received a letter from PHH that my Modification Application was approved. We received the Promissory note in the mail and were informed that we needed to make the next 3 payments on or before the 1st of XXXX, XXXX, and XXXX and return the Promissory note signed with a notary present.
We immediately went to our notary and returned the signed Promissory note via overnight mail. In addition we sent the payment via overnight mail so it would arrive before XX/XX/XXXX. Unfortunately PHH rejected the Promissory Note. They stated both on the phone and in writing that XXXX signature was not legible.
We again returned to our notary with the new agreement, this time XXXX made his signature more clear and legible. We again returned the Promissory note via overnight mail. In addition we sent in our 2nd payment via overnight mail so that it would arrive by XX/XX/XXXX. Unfortunately PHH again rejected the Promissory note. This time they stated that the notary needed to write XXXX XXXX AKA XXXX XXXX XXXX XXXX on his line within the Promissory note.
We again returned to our notary with the new agreement, this time the notary was careful to write XXXX XXXX AKA XXXX XXXX XXXX XXXX on each of his lines. We again returned the promissory note via overnight mail. Unfortunately PHH rejected our Promissory note a 3rd time. This time we asked for their specific request in writing. In their communication to us, PHH stated that now both XXXX and the notary needed to write XXXX XXXX AKA XXXX XXXX XXXX XXXX on every single line within the Promissory note.
We again returned to our notary with a new agreement. We also showed our notary the written documentation specifically outlining what each signature line should say. Both the notary and XXXX signed each line exactly as stated in writing from PHH Mortgage. We again returned the Promissory note via overnight mail. We also again sent our 3rd payment via overnight mail so that it would arrive by XX/XX/XXXX.
At this juncture, PHH has rejected our Promissory note for a 4th time. PHH has now stated that we need to again re-submit a new modification application package and start from the beginning of the loan modification process.
We have done everything that PHH has instructed us to do in order to complete the agreement and remain in our family home. Over the past six years we have submitted countless applications as a result of PHH Mortgage 's poor communication and poor business practices.
We will do anything that we can do and have to do to save our home in this difficult time however this ongoing 6 year fight with PHH mortgage is abusive to myself and my family and their housing practices are fair from fair.
We have submitted all required paperwork, and we have proven all required income. Please help us save our residence and our home.
We believe that we are being denied fair housing rights as it relates to the right to receive a fair chance to keep our home. Our neighborhood is being heavily gentrified and we fear that we will become victims of redlining within our neighborhood.
We have proven all income and we have returned all required documentation needed to fulfill a complete modification application. PHH Mortgage has clearly tried to run out the time clock and foreclose on this home on many occasions despite our ability to prove that we can get back on track with our mortgage.
PHH Mortgage has had a class action suit for this very reason and has been ordered by the federal government to give a fair chance for modification in the past. Their way around that is to simply run out the time clock. I have fallen victim to this practice from PHH from XXXX. Please help us save our home.
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| 08/29/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/XXXX I contacted my fathers ( deceased ) mortgage company Ocwen to see what was needed to transfer home. Deed was already transferred to me in XXXX. In XX/XX/XXXX email communications started all Ocwen would respond with was information did not match records. I was never given what did not match or what they needed. I continued to make monthly payments and continued to email and fax and mail to no resolution. see uploaded documents. XX/XX/XXXX I call ocwen as a wire transfer was returned in real time I am locked out of online account and just before lockout I found out account was taken over by Phh a part of Ocwen. Phh refuses to give me any information and refuses to acknowledge any info previously provided to OcwenXXXX XXXX I fax research department and email relationship manager 166 pages of all the documents pertaining to estate, death, probate and all correspondence with Ocwen and Phh to this point, no response no acknowledgement. XX/XX/XXXX I have a attorney to help get Phh to update info so repairs from a claim in XX/XX/XXXX can be accomplished and to get mortgage transferred. I have requested family transfer package 6 times by now and each time I call in I am told just wait to it. this is through the month of XXXX. In XXXX I contact my relations ship manager who will not speak to me because there address on mailing does not match the adrs, I give. Some how Phh changed the billing adrs on account to follow the company My father previously owned and had his mail sent to. I requested investigation to how this was changed and PHH statated I changed this, now given I can not get account info how would I change this. XX/XX/XXXX I have since found out from a tenant that the home is under foreclosure yet again. I contact my attorney who finds the attorneys handling this and I am informed I need to Pay XXXX then suddenly foreclosure is put on hold and Phh is demanding I pay mortgage and assume the loan.1 continue to send emails, letter, faxes regarding the transfer. XX/XX/XXXX Phh still refuses to speak to me regarding account 1 inform them that his is causing great financial hardship and continuing to place mortgage behind. XX/XX/XXXX Phh finally updates all records to show I am successor and trustee and they can speak to me. I have at least 50 recorded conversations of them refusing to speak to me or informing me I am not authorized. XX/XX/XXXX I certify, fax, email a dispute regarding fees, insurance, payment amounts, etc. as well as request for family transfer package again. I call every week for updates nothing. XXXX XX/XX/XXXX XXXX from PHH puts in for research on account states they will be in touch never heard from anyone and XXXX is transferred to another dept. request after request for findings of XXXX dispute are ignores lam given the findings of XXXX dispute which I was not even made aware what was disputed. XXXX I receive letter that relationship manager has changed yet again. I call in to make a appointment call back.
the appointment call back is for MAySth XXXX XXXX. I am never called. I check with the phone company for any incoming calls to my number from various Phh number no call come into my line. I call relationship manger and actually get her, asking what happened she stated she called me back to back 3 times each time at XXXX??? We again set up a time to speak XX/XX/XXXX XXXX. No call I call her at XXXX and she states she was tied up with another customer and could not call?????? I speak to her regarding the research from XXXX and she states she can have it emailed to me what their response was. I inform her that I requested again family transfer package which she states she can have emailed to me. we again make appointment for 2 weeks. I tell her I feel Phh has stalled this process and that we need to work out payments being rolled to the end of mortgage and that I assume loan, she states she can help navigate and work with myself and These departments to get a resolution. XXXX states every email is put in the file corresponding to each account and she has access to all documents. I never hear from XXXX XXXX relationship manager. The email that is sent to me does not have the XXXX Dispute it has the XXXX dispute along with the family transfer package and what needs to be filled out.
this email was received on XXXX XXXX. XX/XX/XXXX, XXXX certify 2 letters to PHH another dispute, along with copies of wire transfers to Ocwen for loan payments of which Phh states they did not receive payments in XX/XX/XXXX, I send documents showing 3 payments still have no response. a request of information regarding, XXXX dispute, insurance billing, and request for who owns loan. XX/XX/XXXX I also overnight the family transfer package with all documentation for this transfer. I have received XXXX response dated XX/XX/XXXX in a envelope post marked XX/XX/XXXX XXXX this package consists of a letter stating they will not remove fees, they will not roll payments to end of loan that the research from XXXX is deemed that Phh followed protocol, that I have been a confirmed successor since XX/XX/XXXX. However PHH sent a letter dated XX/XX/XXXX that they can not confirm me as successor. Phh has tried to foreclose on property 2 times adding more to fees and causing me to incur more expenses trying to get this handled. and will probably be trying again soon.
Just this past week I have had 3 calls from PHH and no one would speak to me, in fact the representative went so far as to get my name address to have information sent to me to assume the loan again.
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| 07/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have attempted modification request with my mortgage lender Ocwen Loan Servicing ( OLS ), recently and was declined for unjust reasons which will be outlined within this complaint.
OLS, has flagrantly declined any options for me to retain ownership of my primary residence according to the decline letter OLS, has grossly misrepresented my monthly earnings in an attempt to not work with me in retaining my home.
The letter of denial reflects that the decision was made on XX/XX/XXXX. There were some but not all, of the missing documents faxed to OLS on XX/XX/XXXX. Prior to me having an opportunity to collect the remaining missing documents from my accountant and bank, which would better support my income ; OLS informed my 3rd party that I had been denied for any available programs which would assist in bringing my home loan current. Im self-employed and the recent wild-fires here in California have negatively impacted my business, which is why I feel behind for starters. My business has been slowly moving into the right direction however Im playing catch-up on virtually everything that I pay out of my earnings each month with only one income.
Based on the content of the denial letter, there appears to be no tangible reasoning that can be made in order to determine how OLS came to their decision to not allow my loan to be modified. Reason # 1 ) The account is greater than 90 days delinquent. And Reason # 2 ) In performing our underwriting of a potential modification we could not offer you a payment that is within the guidelines of Ocwens modification program. Since there is no known loan modification demographic or criteria, which mandates that a loan that is greater than 90 days can not be modified, this reason is not acceptable. Furthermore, reason # 2, explains that the Streamline underwriters for OLS, could not offer a payment within the guidelines of OLS programs. However, they do not detail what was deficient on my part, whether it be income, affordability etc. these reasons for denial are both frivolous and incomplete. OLS, is seeking to force my loan into foreclosure and pad my loan with unnecessary exorbitant foreclosure junk fees, attorneys fees and late charges for the purpose of OLS, building extra revenue from placing me into this denial process.
My actual income is now at {$6000.00}. ( OLS ), is refusing to thoroughly consider all options for my loan to avoid foreclosure. This is a direct violation to the California Bill of rights. The California Homeowner Bill of Rights became law on XX/XX/XXXX to ensure fair lending and borrowing practices for California homeowners. The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate. Enforceability : Borrowers will have authority to seek redress of material violations of the new foreclosure process protections. Injunctive relief will be available prior to a foreclosure sale and recovery of damages will be available following a sale. ( AB 278, SB 900 ) Tenant rights : Purchasers of foreclosed homes are required to give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease entered into before transfer of title at the foreclosure sale, the owner must honor the lease unless the owner can prove that exceptions intended to prevent fraudulent leases apply. ( AB 2610 ) Tools to prosecute mortgage fraud : The statute of limitations to prosecute mortgage-related crimes is extended from one to three years, allowing the Attorney Generals office to investigate and prosecute complex mortgage fraud crimes. In addition, the Attorney Generals office can use a statewide grand jury to investigate and indict the perpetrators of financial crimes involving victims in multiple counties. ( AB 1950, SB 1474 ) Tools to curb blight : Local governments and receivers have additional tools to fight blight caused by multiple vacant homes in their neighborhoods, from more time to allow homeowners to remedy code violations to a means to compel the owners of foreclosed property to pay for upkeep. ( AB 2314 ) The California Homeowner Bill of Rights marked the third step in Attorney General XXXX response to the states foreclosure and mortgage crisis. The Mortgage Fraud Strike Force was created in XX/XX/XXXX to investigate and prosecute misconduct at all stages of the mortgage process. In XX/XX/XXXX, Attorney General XXXX secured a commitment from the nations five largest banks for up to {$18.00} billion for California borrowers.
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| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 11/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am reporting this complaint against Ocwen Financial Services and its subsidiary PHH Mortgage Services to request that the escrow of my account be removed from the home loan.
The reasons are several and with legal implications, which I list below : # 1 - For several years these corporations included in my home loan a hazard insurance policy that has not fulfilled its legal obligations for me as an insured. An expensive and overvalued policy that does not fulfill its obligations as an insurer and that has my property at high risk of being destroyed, since since Hurricane Irma the roof of the same has deteriorated consistently and continues to happen with high risk for our family. This insurance company XXXX has refused to attend to our claims about the obvious damage to the roof and other parts of our house ( We attach current photographs of the damages ) and therefore we are demanding that the mortgage company be removed from my account escrow this insurance since from XXXX of this XXXX we decided to choose to buy our own insurance that was already paid in full for the period from XX/XX/XXXX of XXXX until XX/XX/XXXX of XXXX, as it may not be possible for us to be scammed of that way by the Mortgage Company with insurance policies that do not cover the damages of our property.
At the same time we want to request the return of all the money that was paid through the escrow account of my loan for this property insurance that does not want to fulfill its legal obligations to pay for the damages occurred to our house.
# 2 - For years also this Home Loan Mortgage arbitrarily and completely illegally forced to include within the Escrow account another Flood Insurance Policy, a policy that according to the Federal Department of Fema is not necessary for our house, since our The property is located in an area that is not at risk of flooding since XXXX, Insurance Policy, which we were fraudulently charged and exaggerated for about over {$3000.00} dollars per year, when in fact the cost of this type of policy In case we decide to have it it does not cost more than {$400.00} dollars per year since the property is excluded from the flood risk zone.
Therefore, we are demanding that the excessive expenses of this type of flood policy that my property does not need be returned to us. Attach copy of FEMA Documents as evidence of our claim.
# 3 - Likewise, through this claim we are requesting the elimination of the payments of our
property taxes due to the constant late payments and at the wrong time of the Mortgage company to pay the city and the county ( XXXX XXXX Gov ) as the payments made by the Mortgage Company they were made with many months of delay directly affecting my Escrow account with high interest for late payments and at the same time making me lose my Home Exemption benefits to which by law I am entitled as the owner of a property in XXXX XXXX County.
We are requesting that in the following my property taxes be paid by me only to be able to make them in the time that the City of XXXX XXXX requires likes as I have approved a Home Exemption of {$25000.00} dollars in my property and I will not lose them because of it of late payments of these mortgage company that do not meet their obligations on time. For more details of the information to your corp taxes must be paid between XX/XX/XXXX of the taxable year and XX/XX/XXXX of the following year, something that has never happened with the payment of my taxes of my property by these Mortgage companies.
Below I attach the record of the dates and amounts with absurd increases in the payment for interest and late payments by the Mortgage Company and ultimately end up affecting our family pocket.
Records of late payments to the city : Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Like you see all this payments they are affecting my package negatively.
So I'm requesting the elimination of my escrow account and I pay my own taxes on time without high interest rates and late payments charges.
# 4 For the last months the PHH mortgage company is refusing to receive and credit my loan payments, charges corresponding to the loan and the interest of the loan, a determination that seems completely illegal to me since I am sending month by month and in time the payments corresponding to My loan and interest. I have refused to continue sending the corresponding payments including the escrow due to all the illegal and irregular circumstances of my case that was clearly explain in the points before.
I can not continue to make a payment to a mortgage company that charges me an Escrow account that does not meet the legal expectations of the same, because the insurance imposed by the Mortgage has refused to comply with its obligations for property damage, also for demanding a flood insurance that is not necessary for it, for paying property taxes outside the requirements of the city, carrying additional interest expenses and late payments that directly affect our pocket.
Therefore, we are mandatorily demanding that Escrow be removed from my home loan immediately under penalty of taking other legal alternatives to remedy this problem.
Sincerely, XXXX XXXX XXXX.
Loan # XXXX PHH Mortgage Services and Ocwen Financial Services
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| 08/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I have been trying now the serving company changed and now I have to deal with a whole set of new people. I want a loan modification and a payment plan I can afford. XX/XX/XXXX. I have built home in XXXX in a lot bought by my Father XXXX XXXX XXXX. ( An XXXX veteran of XXXX XXXX ) He died without a will.Living lot to me an mother.
To make my problem worse they now OCWEN bought out PHH which now my loan is served under. I now have to deal with a whole new set of mortgage servers. I am in need to help with modification and forbearance I can afford.
I have a complaint against XXXX XXXX, Ocwen Mortgage Holding company and now PHH. The following has happened : I have been unable to get a correct statement from them. I get case managers that do not speak my language of English, and I get routed around. I have to call back when they call me and I miss picking up line, have to call back and start the process again along with making a new appointment.
I fell behind in my payment due to multiple hardships related to medical expenses and loss of job. I tried to get a loan modification adjusting my 9.75 % loan but was never told if I could. I also wanted a forbearance and time to pay. While all is going on I get foreclosure proceeding filed. They now added to my current amount owed. When I was unable to pay, I was only owing {$24000.00} on the mortgage and {$32000.00} for the past due, and the added legal fees.
I am also told a new mortgager ( PHH ) has taken over my loan. I am going to be stuck again and the time is ticking where I will lose my home that I have lived in since XXXX. The home is located on a lot my father ( US Veteran ) and I bought. The house was built by me and my father. I had to refinance the house twice due to a long terminal illness. I continue to work to pay for the home and I have lost my job twice in the period since having the high interest loan with XXXX XXXX. I do not want to go to the same ordeal with them and previous loan mortgager where they concluded nothing and gave of bunch of coined answers. When I first was transferred to them by XXXX XXXX in XXXX the bank made a mistake by not using the correct date in the system when the year changed. My loan was transferred showing I was 12 months behind. I was not and since then I have had trouble with the way the payments were applied plus they are at 9.75 % plus 10.5 % for arrears.
I am having confusion over loan transfers to another mortgage handling company of PHH.
I want to resolve issues : they are over charging me in the loan interest I want a loan modification to reduce interest from 9.75 % to the going rate.
I want a forbearance that I can pay of less than {$2000.00} a month.
I want a freeze on the fees and so that the issue can be resolved.
I want fair treatment as I am an older person of XXXX years of age with a XXXX, also residing in the home is a XXXX person with XXXX minor children.
I have to submit my information over and over again to be rejected and given phone number that do not work, or companies do not offer home foreclosure help. Just a waste of time and round around.
When these proceedings are adding more cost to the amount owed of the home that the behind payments care a 10.5 % interest plus fees. All this accumulated fee will make us homeless for failure of the bank to work with me on repayment.
I want relief and assistance under HARP or another program that can address my problem or any other program available. I also want them to stop using out of the country phone centers to route my call around.
Additional evidence it has failed to provide relieve to me during XXXX and even now. I was given a back backed insurance ; I am a tax payer why am I paying for their mistakes. XXXX XXXX has secured taxpayer-backed insurance for thousands of shoddy mortgages. I was one of those victims they signed me up with XXXX XXXX my insurance payments went up sky high.
By providing me with the high interest loan of % 9.75 and by not allowing a modification it placed me at risk of never owning my home after paying this high interest since XXXX.
It is noted they have violated Department of Housing and Urban Developments Federal Housing Administration, by not following the loans with guaranteed with the full faith and credit of the U.S. government.
I was in default in XXXX two years after XXXX XXXX bought my loan from XXXX. I did not have those protections because they excluded me from the protection. I defaulted because of the high interest rate that they never wanted to modify after repeated attempts by me to lower the rate. Meanwhile, XXXX XXXX made substantial profits extracting the high interest from me and also getting government bailouts. I am a taxpayer I have gotten no relief from them or from your agency. I have filed two complaints with you. I receive a copy coined letter from mortgager and no resolve.
Despite my complaints my problem continues, and it is now escalating. The damages are irreversible. My mortgage although not an FHA or HUD loan is still protected under the fair additional penalties for each mortgage that broke federal rules. I have non of those protections.
XXXX did not follow the guidance provide by the courts on providing adequate loan counseling. All I got was a piece of paper with phone number that do not work.
While XXXX XXXX is profiting resale of government backed mortgages, I am facing foreclosure.
XXXX XXXX
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| 05/21/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Good Morning, Please be advised the PHH/ XXXX violations totaled in the amt of {$27000.00} I have provided a breakdown of those violations.
Pls excuse the lenghty description.
Due to your storage restrictions, I am only able to provide a small selection of photos of the PHHXXXX XXXX violations.
There is a larger amount of violation photos now in the possession of the State of NY Office of the Attorney General. Aso the NY State Financial Service.
I have been trying to clear up issues with PHH Mortgage Services for several years now.
There are also documents / and some pictures attached to this, showing what the property looked like before my hired independent contractors did work on the property & what it looked like after our hired contractors did work on the property.
I am also hoping to upload the e-mailed documentation I sent to PHH Mortgage Services listing each item on the Payoff Sheet I have a dispute about.
PHH Mortgage also removed the family pool on the property and filled in the area with dirt without prior permission or communication to our family.
PHH Mortgage Services also had XXXX / contractors entered our home, and we found all our dusty furnishings carelessly piled up in the rooms as you will see in the pictures.
Our front door was padlocked our original lock removed.
We had to put up signs / notices on the front door to insist we be contacted right away and we did not want anyone trespassing on our property and in our home & to stop all work.
We then received a phone call from someone claiming to be working on the property and they said they will cease and desist all work on the property.
All this occurred while the property was in probate.
PHH Mortgage Payoff Sheet included : PHH claimed ... .. Carpet installed ( {$1400.00} ) Our physical observation there on site indicates and pictures show no new carpeting was installed any where in the house. The carpeting on the steps leading to the lower floor is the original carpet that was in the home.
PHH claimed ... .. house cleaning done ( {$230.00} ) Our physical observation there on site indicates there was no house cleaning done and have pictures to show and invoice to show. We had the home professionally cleaned XX/XX/2019.
PHH claimed ... Debris was done ( {$2200.00} ) Our physical observation, we had debris removed by our contractor both inside and outside of the property. In addition any previous work done on the property was not authorized by the family.
In addition, it is our concern there was potential damage to personal items in the home as there were furniture & other objects carelessly stacked up and moved from their original locations in the house. We have photos and documents from the contractor we hired to clean & remove debris within the home.
PHH claimedDoor locks/s ( {$92.00} ) Upon view, all locks were changed by my family. The house was in probate and we were informed by our attorney in XXXX NY when we could enter the property.
PHH claimed there was grass cut ( {$3700.00} ) All outdoor grass and grounds were handled by the family contractors.
PHH claimed a lockbox was installed ( {$35.00} ) No prior authorization was given from the family regarding this action with pending probate in place.
PHH claimed Pool Maintenance was done ( {$2000.00} ) Our physical observation during the probate process. We noticed the pool was removed without the family 's consent, nor any communication of intent to remove the pool was given.
PHH claimed .... property cleaning was done ( {$300.00} ) All ground maintenance was handled by two contractors hired by the family.
PHH stated there was property preservation ( {$140.00} ) It is not clear what this is.Any and all maintenance was handled by the family contractors.
PHH there was property preservation. ( {$480.00} ) It is not clear what this is.Any and all maintenance was handled by the family contractors.
PHH stated there was repairs to the property. ( {$4000.00} ) There was no repairs to the inside of the home. All home upgrades were done by the family.The home was not in need of balcony work. Any work done on that must have been minor work, and the family was not communicated with prior.
PHH claimed ... there is a comment referring to roof repairs ( {$2100.00} ) Our family contractor revealed he had to do work on the roof. The roof repairs was handled by the family contractor.
PHH claimed yard care done on the property ( {$9800.00} ) There was no yard care given. All yard services were provided by the family.
Over the last yaer and a half, we have made significant repairs and new installments to the home.We have invoices and documents, and photos that chronicle our time of renovation.
We have tried hard over the years to review and revise this information. We are not attorneys and have done our best to review and revise this information as accurately as possible to date.
We have a potential buyer ( hence the Payoff Sheet ), who has patiently waited on us to get this matter resolved with PHH Mortgage Services. We may have lost the buyer due to this extremely long delay.
PHH has been hindering my carrying out my Executor responsibilities because of their delay and fraudulent costs they want us to pay ( including interest which keeps going up with each delay ) PHH continually charged interest on the mortgage even while it was in probate.
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| 06/14/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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To whom it may concern : I am writing this letter to try and receive some assistance that I can't seem to acquire from your front-line agents. In XXXX, I fell on hard times as a result of XXXX and needed some assistance in catching up on our payments. We originally were on a forbearance plan that we maxed out and were advised we qualified for a loan modification. This is when the headache started. In XX/XX/XXXX we were 2 payments from being caught up as we were making double payments. This was tough on us, so after speaking to an agent we were told, " We can't tell you not to make a payment, but I would wait until the Loan modification comes through. '' Money was tight, so we waited. The loan mod came through and advised we could wait until XX/XX/XXXX to make our first adjusted payment. Everything was going smoothly, or so I thought.
We signed the documents and sent them back and they were denied due to a missing middle initial for my husband 's name. I will admit I was upset as life keeps throwing lemons. I received this phone call from XXXX on XX/XX/XXXX, I can admit I wasn't the most patient on this call but asked her to send me the loan documents by email, so I can get them resigned and return them. ( Email Attached ) I was given the return date of XX/XX/XXXX. The document she sent me I noticed was the same as the original only because the cover sheet said XXXX 's previous due date. I figured it must be the same document needed since she sent it and said it was the final draft in the email. ( Please forgive my ignorance as this is my first time going through this. ) When I get it signed, I return it through XXXX XXXX mail service and saw it arrived on XX/XX/XXXX at XXXX XXXX tracking number # XXXX.
Fast forward to XX/XX/XXXX, I call in to make my payment and spoke with an agent who advised I was unable to make my payment for the correct amount of {$1900.00}. I was advised the loan mod was denied. I received no clear explanation, first, it was they didn't receive it back by the correct date and then it was they didn't receive the correct version. ( Both in my opinion were not our fault as the previous agent sent us the incorrect version and the tracking number shows it was received on time. I will say we did receive a mailed version, unexpectedly, with the correct information but it was only after we mailed the other version back. I only go to my mailbox if I am expecting something because I always choose paperless billing. ) Back to the story, due to the agent giving conflicting information, and at this point, I'm over it and ask to speak to a manager. I am placed on hold for several minutes only to be advised none were available but was assured an experienced manager of 11 years would return my call the following day at XXXX XXXX PHH has been really good on follow-up calls, so I didn't think they would drop the ball but it was. I answered a much later call that I now know was a collection call and explained I would call back later, ( I was working ) because felt a front-line agent could not assist me at this time. I then went online and scheduled a call with my relationship manager.
XXXX calls and is nothing but impatient and condescending. He explained it was not received on time and this is the reason for the denial, so I provide my tracking number and ask for him to submit the appeal. I later tried explaining my grievances about HIM it was clear he wasn't listening and realized it was a waste of time. I could tell he halfway appealed my situation and definitely left me lacking confidence that it was done correctly. Today I was advised it was STILL denied but NOT for missing delivery time but because it was the wrong documents.
I have continuously been trying to speak to a higher-up and no one has assisted me. I called today to speak to a front-line agent requesting management and was told she couldn't transfer me to escalations. I told her I need a manager/escalations or someone other than a front-line agent because it was clear on their level they were unable to assist me. I legit just wanted to speak to someone who was confident and knowledgeable with the information they were providing. That's it. I was then transferred to XXXX XXXX id XXXX in escalations who listened well but told me she could not help me and would be transferring BACK to where I started. How is this a de-escalation team? I then began asking for corporate and was told they have no phone number just fax no emails available. Then I provide her with the email I was given earlier at XXXX. She advised I can use that, then after asking for the name of the CEO, etc. I was placed on hold only for her to come back with a corporate number XXXX that does not work.
Who can help me? Because later on in the day I get a notice of default letter and I have to pay {$10000.00} by XX/XX/XXXX or PHH will result in loan acceleration. What? Where's my help? I keep getting the runaround, misinformation, and no assistance now they are trying to accelerate my loan? By the way, I still have yet to receive the loan mod denial letter and went on my account and asked to have it emailed but never received it.
At this point, I will share this letter with anyone who listens because I have tried my best to do everything that was asked of me but I can't seem to get past the front-line agents who are legit no help!
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| 03/02/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Concerns : Wrongful intent to foreclose Poor credit reporting Payments not being applied to my loan Inconsistency information given Being LIED too by each and every PHH representative WHERE IS THE MONEY?!
To whom it may concern : We would like to express serious concerns regarding our Mortgage Lender PHH Mortgage Company. Please assist in any way possible. They have received our payments and have not applied them to our account stating that we now are past due {$5500.00} for the months of- XXXX XXXX XXXX XXXX and now have sent an Intent to Foreclose document. We have had several conversations asking them why they have not applied our payments. All we continue to get is a bunch of lies and the run-around. They tell you anything to get you off the phone. So I then started tracking down the representatives ID numbers and names, which are all based out of XXXX!
XXXX and Name= XXXX XXXX and Name=XXXX XXXX XXXX and Name= XXXX ( a supervisor that suppose to put a request to expedite the finial terms and agreement of the remodification but never followed up or completed the request ) XXXX and Name=XXXX XXXX and Name=XXXX XXXX and Name=XXXX ( a supervisor that just hang up on people and never call back ) XXXX and Name=XXXX XXXX and Name=XXXX ( a supervisor or kept his word about calling us back in a week but lied and about being our relationship manager who they can't even transfer us to nor speak to. ) Events that have taken place : XX/XX/XXXX -Called in to make a payment and was told we were qualified for a loan Re-Modification and that our trial period starts on XX/XX/XXXX with a new monthly mortgage payment of {$1000.00}. So we accepted the offer and also made the first payment of {$1000.00} over the phone the same day with the representative that advised us about the Re-Modification he asked if we wanted an head start on the trial payments that started on XX/XX/XXXX. Payment # 1 XX/XX/XXXX, XXXX Called in to make a payment and was told by the representative that we overpaid in XXXX and that we should only pay {$970.00}. I then paid over the phone for an even {$1000.00}.
Payment # 2 XX/XX/XXXX Called to make the 3rd payment and was told that the modification was denied due to lack of payment on XX/XX/XXXX in which I overpaid what the representative told me to actually pay, and they would not accept a payment from us. Big Inconvenience and VERY STRESSFUL.
Point : I called prepared to pay {$1000.00} WHY : would I only pay {$1000.00}?
At this point I asked for the calls for XXXX and XXXX to be pulled and researched for Validation of MISCOMMUNICATION from the representative telling me that we only needed to pay {$970.00}.
XX/XX/XXXX, XXXX Called back was told the exact same thing can't take a payment and that the re-modification was denied and now they are doing research.
XX/XX/XXXX Called back was told the same thing, that they can not take a payment and that they are researching the account.
XXXX XXXX Called and was told that they found the error and the re-modification was reversed but had to pay {$1000.00} due to the lack of {$23.00} from the miscommunication given to me by the representative I spoke to on XX/XX/XXXX. So we made the payment of {$1000.00} which was the 3rd Payment to clear good standing for final approval of the Re-modification.
XX/XX/XXXX, XXXX Called and was told that we should have the final term for the review in the mail within 7-10 business days and to just sign and date and mail the forms back in.
XX/XX/XXXX, XXXX Called to make a payment and they we not accept the payment. The reason was that because the final agreement had not taken place they could not accept a payment over the phone and that we had to use XXXX XXXX.
XX/XX/XXXX, XXXX We send a payment of {$1000.00} by XXXX XXXX .
Payment 4 XX/XX/XXXX, XXXX We called to confirm the payment had been received and they informed us that it would take 24-48 hours.
XX/XX/XXXX, XXXX Called and was told that I had to go back to XXXX XXXX and get the money back NO Payment being accepted only because of the final agreement is still under review but to hold onto the payment.
Point : Why were we not foretold this on the previous calls.
Miscommunication again and lack of education from the employees.
Noone is on the same page and again telling people ANYTHING!
XX/XX/XXXX, XXXX Letter through XXXX of INTENT TO FORECLOSE and a letter from PHH saying the reason our payment was sent back was because it did not meet the default/past due amount of {$4000.00}. BUT WE ARE NOT AT DEFAULT OR PAST DUE THEY HAVE NOT APPLIED OUR PAYMENTS.
Now, every call we are getting a sorry and a lie that this was not going to happen and that the re-modification would clear these charges and make the correct changes. However, that does not help US! This is our HOME not some clubhouse!
XX/XX/XXXX, XXXX called was told that the Modification was still under FINAL Review and that the Intent to Foreclose does not apply. However, the letter clearly states by XXXX the funds need to be paid and I can t seem to get any conclusion to the SERIOUS MATTER!
XXXX XXXX XXXX and NAME = XXXX, called stated that he was the relationship manager and that a final agreement was sent out on XXXX, and that it would take 2 business days to receive and to sign date and mail it back.
Today is XXXX still no letter.
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| 11/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Following upon my recent and still open complaint ( # XXXX ) against OCWEN, I am filling a second complaint to now document the predatory business practices and intimidation techniques that OCWEN is pursuing to attempt to foreclose on my home despite the fact that they have no legal right to do so.
Let me start by saying that I have been successful in being granted and agreeing to the trial period for mortgage modifications 2 times over the last several years, have been made predatory lending offers which I could not accept 2 more times, as well as having applied and been denied 3 or 4 additional times. And throughout all this effort spanning 3-4 years, OCWEN consistently sends what can only be intentionally intimidating communications to both threaten and enact initial foreclosure proceedingswhich are in total contradiction to the communication you simultaneously receive from OCWEN through its Customer Relationship Managers, Escalated Case Management Specialists, or Consumer Account Analysts in the Office of the Consumer Ombudsman.
The resulting affect is a profound level of uncertainty and confusion amongst its most vulnerable costumers, an environment in which OCWEN is better able to aggressively pursue its predatory foreclosures. I have repeatedly addressed this with people at all levels at OCWEN over the years, wondering how hard it would be, once a client has entered the Mortgage Modification pathway with them, to stop their very intimidating and misleading foreclosure communications, including robocalls that at times occur 4-5 daily. But the reality I think is that they are nothing more than a huge automated foreclosure mill where actual employees often take a backseat to the automated actions the company takes.
So its within this context that yet another version of this is all playing out again. Despite 1 ) failing to answer the questions that I posed ahead of the deadline and which I need answered to move forward, 2 ) thus far ignoring my request for an extension, and 3 ) in the past, over many years, being very vocal that these deadlines were flexible as needed and that one had only to ask for additional timeOCWEN had nonetheless cranked up their automated foreclosure machine yet again.
I have now received in the past week 1 ) a formal letter ( " Decision on Your Request for Mortgage Assistance '' ) falsely claiming to document that I failed to respond to their offer before the deadline, 2 ) a huge packet to re-apply for their Mortgage Assistance Program as though I have not already done this and a resolution pending, 3 ) an " Initial Due Diligence Letter '' or " Notice of Default '' claiming my account is past due, threatening foreclosure, and attempting to trick me into paying them to bring the account currentwhich amounts to extortion, and finally 4 ) a " Pre-Foreclosure Referral Letter ''.
This final communication however suffers from several misleading claims which I believe are intended to obfuscate and confuse : A ) that " the last full mortgage payment on [ my ] account was XX/XX/XXXX '' ( NOT TRUE as I paid them again on XX/XX/XXXX the {$2500.00} amount that I was instructed to by them which was the same amount I had paid each month of the trial period ), B ) that " the account is paid through XX/XX/XXXX '' ( NOT TRUE as I have in fact paid them 4 additional mortgage payments since then for approximately $ XXXX/month, and totaling approximately $ XXXXfurthermore, this claim would seem to directly contradict their first claim that I made a XX/XX/XXXX payment as well at least ), C ) that the accounting numbers they provide are in fact an accurate financial reflection of my current account status ( NOT TRUE as nowhere in these numbers do they give me credit for the approximately {$10000.00} I have additionally paid them during this same timeas though it never happenedallowing them to now somehow claim that I owe them {$7100.00} to bring my account current, despite my making every payment on time, when in fact the only amount they might be able to legitimately claim I have not paid is the approximately {$300.00} each month that OCWEN chose to lower my monthly payment during this period for the trial modification, amounting to something like {$1200.00} over these 4 months ).
But the insanity of this only becomes fully visible when we recall that 1 ) I only needed this second mortgage modification and went through all of the tr
ouble to get it completed because of OCWEN 's acknowledged error in neglecting payment of my property taxes through the escrow account they maintain on my behalf, putting the property at imminent risk of immediate seizure by the government, 2 ) that I had not requested a lower monthly payment and had indeed stated the opposite that I did NOT need them lowered, receiving one from them irregardless of these facts, and in so doing making it even possible that there would be any discrepancy in the amount of my payments during this period.
To then follow this updespite all of my good faith efforts to help them to correct their mistake and ignoring for the moment their history of predatory treatment of me as a customerby failing to respond to my timely and necessary questions and instead stonewalling me with zero response for 2 straight weeks now and simultaneously pursuing foreclosure, starts to look a lot like entrapment.
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| 01/02/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I just found out by applying for a mortgage that there were balances on a some 7 year old short sale rental properties that were agreed to be paid in full and I have all of the documentation that the payoff was agreed and I have the HUDs and the mortgages were paid by an attorney with a realtor and the amount was satisfied. There were 6 properties involved closed 5 closed XX/XX/XXXX and the last one XX/XX/XXXX.
2 mortgages were with Homeward and Ocwen did the closing and the other 2 were XXXX and XXXX did the closings. All documents were agreed and I worked extremely hard with NO pay to get these properties sold without being vandalized. Out of 24 units in this complex, I had the last 6 and they had all gone to foreclosure and the neighborhood was in dire straights and drug infested. I Could not rent for what the mortgage balance was and the appraised value was XXXX, XXXX.
I called all of the 2 mortgage companies and THEY both Homeward and XXXX said the best decision was to short sale.
The mortgage recession had ruined my career and now my property was worth 25 % for what I paid for them. I DID NOT cause these situation nor a dead beat borrower. The market put 9 million people out of business. We had buyers in XXXX of XXXX but due tro poor customer service we lost 2 cash buyers and the third buyer bought all 6 and these loans were closed and I never heard a word from anyone. I received a mortgage interest statement and that was it.
In XXXX of XXXX I received started recieving dozens of letters from the IRS and the XXXX personal tax returns were reporting XXXX of income and only XXXX of XXXX was I able to pull the transcripts to see that Ocwen and XXXX had sent 1099s to the IRS that I had earned income on the properties.
I have the waivers in my package. This is unbelievable. 7 years ago. I dont ; know if my tax returns were tampered with or what happened. XXXX XXXX is under investigation for committing fraud on my returns.
At any case I do not owe any money. How is it legal for a mortgage company to bill a citizen and I am XXXX and live on XXXX and say I am responsible for the debt.
If I knew that was even a remote possibility I would have filed for bankruptcy.
This is a insane that both companies Ocwen and XXXX just happened to send the IRS 1099s at the same time the same year. I know there is fraud involved.
How ironic that Ocwen a known scammer company and then XXXX supposedly a reputable company would report at the same time.
The mortgage 2 XXXX and one Ocwen closings were in XX/XX/XXXX and the last Ocwen was XX/XX/XXXX.
I have emails from the atty assuring me that there is not deficiency and I would not have wasted 6 months of my time and seriously it was hard work to get all this paper work done, If there was a fraction of a chance there was a deficiency.
I have the paper work and have sent to XXXX and to PHH which is supposedly taken over Ocwens.
This really looks very criminal and definitely violates my civil rights. I had never received any mail no notice nothing except the IRS saying my income was XXXX in XXXX. I pulled my transcripts in XXXX and THESE WERE NOT THERE> I have sent to XXXX and to my XXXX XXXX XXXX and to XXXX and PHH all of the loan packages and the consent that the lender advised me to do a short sale in lieu of foreclosure. There are ( 4 ) 1099s that were sent to the IRS with out contacting me or sending me a copy or any notice at all.
The IRS say they can garnish my XXXX and what little assets I have left.
To charge me 7 years later for that kind of debt and if this is legal is communism and I will send this to TIGTA and will sue the Mortgage Companies for fraud and a malicious attempt to destroy my life and my what is left of my life. I just turned XXXX years old and this type of consumer abuse is criminal and absolutely violates several amendments. I have no problem going public with this and filing any complaint that will stop consumer bullying and the IRS should not accept this bill and apply it to my taxes. These closed 7 years ago. Doesn't the government protect the people. I have a wonderful lady helping me with this BUT the IRS should take one look at this and see the closing date and revers the charge. I am quite sure these companies wrote this amount off the year of the closing. Which is a tax write off. So this is illegal and I will write every member of congress and yes please post this, More people need to stand up for our rights. I had no control over the recession and the property values and I will not pay stand for this attempt to further destroy my life. I have suffered greatly and can barely live on a XXXX check. I was in XXXX and the stress of this has cause my illness to resurface.
This is financial abuse and I am being bullied by the Federal Government. I have been abused by crooked attorneys and crooked accountants and this is just proof that some how 2 companies that have nothing to do with each other and each townhouse had a different address and just so happens that ... BING.. all 4 hit my tax returns back to back. I have names, addresses, HUDs, documents and waivers of delinquency and will gladly provide any information you need.
WE The PEOPLE need to gather together and enforce our amendments. Thank you CFPB for having this site for us to file a complaint and try and get justice.
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| 10/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH Mortgage Servicing Account Number : XXXX On XXXX XXXXXXXX XXXX I called and spoke with XXXX from PHH Mortgage Services. I requested an extension to my current forbearance plan which was expiring. XXXX, based in XXXX, said yes, that would be no problem and I am eligible for another forbearance plan. XXXX also said that I would be receiving a confirmation letter TEMPORARY HARDSHIP FORBEARANCE PLAN AGREEMENT in the mail and in my Document Center in the PHH portal. That no late fees would be charged and I would not be reported the the credit bureaus as late.
I never received the confirmation letter so I called back on XXXX XXXX and spoke with XXXX in the PHH Customer Care Center in XXXX, she said that XXXX told me that I was eligible but actually I am not. I was charged a late fee for missing the XXXX XXXX payment which was reversed at my request.
On XXXX XXXX, I scheduled an appointment with my Relationship Manager, XXXX XXXX, for today XX/XX/XXXX ( which was the earliest PHH had available ).
On XXXX XXXX I received an email reminding my of my appointment confirming I will be called at XXXX which is the correct number.
Today, XX/XX/XXXX at XXXX XXXX I was waiting by my phone with the ringer on and in active mode. My phone did not ring and I emailed PHH Mortgage Services at XXXX three ( 3 ) times between XXXX - XXXX XXXX stating that I was waiting for XXXX XXXX 's call to me.
After waiting for 60 minutes with no call at XXXX ( cell ) or XXXX ( home ) or XXXX XXXX ( work ) I called into PHH Mortgage Services and spoke with XXXX XXXX ID : XXXX. XXXX told me that PHH tried calling 3 times to these numbers : XXXX XXXX XXXX transferred me to XXXX, Agent ID : XXXX, the " Floor Manager '' of all Relationship Managers.
I explained to XXXX the situation above and XXXX said that at any time I want to speak with a Relationship Manager I can, however when I spoke with XXXX on XXXX XXXX, she said the ONLY way I could speak with a Relationship Manager was to schedule an appointment.
After speaking with XXXX about my situation for 49 minutes, he suggested that I schedule a new appointment with a Relationship Manager. He put me on hold to check for the next available appointment which was on XXXX XXXX. I said that was too far in the future and I wanted to speak with a Relationship Manager today, since today was my scheduled appointment date and by XXXX 's own statement I could be transferred to a Relationship Manager " at any time. '' I asked XXXX to find an available Relationship Manager today and explain my situation before transferring me to the Relationship Manager. XXXX agreed. He transferred me to XXXX XXXX, PHH Mortgage Servicing Account Number : XXXX On XXXX XXXX, 2022 I called and spoke with XXXX from PHH Mortgage Services. I requested an extension to my current forbearance plan which was expiring. XXXX, based in XXXX, said yes, that would be no problem and I am eligible for another forbearance plan. XXXX also said that I would be receiving a confirmation letter TEMPORARY HARDSHIP FORBEARANCE PLAN AGREEMENT in the mail and in my Document Center in the PHH portal. That no late fees would be charged and I would not be reported the the credit bureaus as late.
I never received the confirmation letter so I called back on XXXX XXXX and spoke with XXXX in the PHH Customer Care Center in XXXX, she said that XXXX told me that I was eligible but actually I am not. I was charged a late fee for missing the XXXX XXXX payment which was reversed at my request.
On XXXX XXXX, I scheduled an appointment with my Relationship Manager, XXXX XXXX, for today XX/XX/XXXX ( which was the earliest PHH had available ).
On XXXX XXXX I received an email reminding my of my appointment confirming I will be called at XXXX which is the correct number.
Today, XX/XX/XXXX at XXXX XXXX I was waiting by my phone with the ringer on and in active mode. My phone did not ring and I emailed PHH Mortgage Services at XXXX XXXX ( 3 ) times between XXXX - XXXX XXXX stating that I was waiting for XXXX XXXX 's call to me.
After waiting for 60 minutes with no call at XXXX ( cell ) or XXXX ( home ) or XXXX XXXX ( work ) I called into PHH Mortgage Services and spoke with XXXX XXXX ID : XXXX. XXXX told me that PHH tried calling 3 times to these numbers : XXXX XXXX XXXX transferred me to XXXX, Agent ID : XXXX, the " Floor Manager '' of all Relationship Managers.
I explained to XXXX the situation above and XXXX said that at any time I want to speak with a Relationship Manager I can, however when I spoke with XXXX on XXXX XXXX, she said the ONLY way I could speak with a Relationship Manager was to schedule an appointment.
After speaking with XXXX about my situation for 49 minutes, he suggested that I schedule a new appointment with a Relationship Manager. He put me on hold to check for the next available appointment which was on XXXX XXXX. I said that was too far in the future and I wanted to speak with a Relationship Manager today, since today was my scheduled appointment date and by XXXX 's own statement I could be transferred to a Relationship Manager " at any time. '' I asked XXXX to find an available Relationship Manager today and explain my situation before transferring me to the Relationship Manager. XXXX transferred me to XXXX XXXX, XXXX XXXX, Relationship Manager
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| 08/28/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Servicer : PHH Mortgage Loan Number : XXXX Re : Request for Loan Modification Assistance Dear XXXX, I am writing to request your assistance in saving our family home. We have been struggling for over 2 years to finalize a loan modification with PHH Mortgage after the servicing of our mortgage was assigned from Ocwen Financial Corporation. In summary, we were offered a loan modification trial plan in XX/XX/XXXX with a deadline of XX/XX/XXXX to sign and return the documents. We signed the documents in XXXX with the XXXX deadline date because thats what we understood was required.
Our mortgage was assigned from Ocwen Financial Corporation to PHH Mortgage during the trial payment period. PHH rejected the final trial payment and notified us our loan modification was canceled and that we needed to reapply. PHH Mortgage and Ocwen Financial Corporation exchanged blaming each other for the loan modification trial not becoming a final loan modification.
After persistent contact on my part, a PHH Mortgage representative told me the reason for the denial was due to the future dated documents. This could have easily been corrected if PHH Mortgage would have informed us of the error. We would have gladly signed new documents. Instead, I am living in fear with my XXXX sons and daughter that PHH Mortgage will process the foreclosure and evict us from our home. Please help us!
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Servicer : PHH Loan Number : XXXX Timeline of Events : 1. XX/XX/XXXX applied for home loan modification with Ocwen 2. XX/XX/XXXX loan modification was approved by Ocwen a. Terms were three trial payments of {$1000.00} ( XXXX, XXXX, XXXX ) b. XX/XX/XXXX modification would be effective c. Signed loan modification documents in XXXX with a XXXX date i. The loan modification was canceled before the last trial payment was accepted by PHH ii. PHH blamed Ocwen for the denial iii. Both PHH and Ocwen could not provide a reason for the denial iv. Finally, someone at PHH mentioned the reason for the denial being the loan modification documents were signed with a future date v. This could have been easily corrected had PHH communicated with me 3. XX/XX/XXXX I made the last payment to complete the modification 4. XX/XX/XXXX the payment was rejected and returned by Ocwen a. I was told that the one of the modification documents had the wrong data b. The date issue was a surprise because I was never informed their was a problem with any of the documents submitted 5. XX/XX/XXXX, I was told to reapply for the loan modification again 6. XX/XX/XXXX, reapplied and the modification was denied 7. I spoke with Ocwen several times trying to complete another modification at the end of XXXX and the beginning of XX/XX/XXXX 8. XX/XX/XXXX, I was told by Ocwen to apply again for a loan modification 9. XX/XX/XXXX, I called Ocwen to find out the status of the modification and was told that my house had already been foreclosed 10. XX/XX/XXXX, I called the FHA and tried to see if there was anyway I could bring my house out of foreclosure 11. I called Ocwen multiple times to see if I could speak with someone who could help me however I was told by Ocwen multiple times that nothing could be done 12. XX/XX/XXXX Ocwen placed my house on an online auction 13. XX/XX/XXXX with the help of my family for a home loan and I was going to try and buy back my house.
14. XX/XX/XXXX, I watched the online auction and waited until the last minute to bid and as soon as I made my bid, someone else out bid me.
a. The house went on the online auction again.
15. XX/XX/XXXX, I filed a complaint with CFPB against Ocwen 16. XX/XX/XXXX CFPB responded to let me know that Ocwen replied to the complaint and Ocwen was still working on the complaint 17. XX/XX/XXXX Ocwen responded to the complaint I registered with the CFPB 18. XX/XX/XXXX, an Ocwen ombudsman representative was assigned to my case a. Her name was XXXX XXXX XXXX 19. XX/XX/XXXX, I was told by XXXX XXXX that the original loan modification was going to be put back in place due to false information I was given by Ocwen 20. XX/XX/XXXX, I was told to wire {$5400.00} dollars to Ocwen and that they were going to request for the judge to rescind the foreclosure 21. I was instructed to start making modification payments as of XXXX of XXXX.
a. XX/XX/XXXX made a payment {$1000.00} b. XX/XX/XXXX, Made my payment {$1000.00} c. XX/XX/XXXX, made my payment {$1000.00} d. XX/XX/XXXX, made my payment {$1000.00} e. XX/XX/XXXX made a payment {$1000.00} 22. XX/XX/XXXX, I received a Loan modification package from Ocwen that I did not request 23. XX/XX/XXXX, I called Ocwen to see why I had received the Loan modification packet.
a. I was told by Ocwen that someone ( homeowner ) had requested it b. When I explained that no one had requested it they argued and said it was requested 24. XX/XX/XXXX, I was force placed into an unwanted modification by Ocwen a. Terms i. {$1000.00} per month ii. 4.25 % interest rate iii. First payment was not due until XX/XX/XXXX b. New Ocwen produced modification added XXXX to my principle balance 25. XX/XX/XXXX, I submitted payments to Ocwen however they were rejected 26. PHH has not started the final stage of foreclosure as of today, however it is imminent
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| 11/13/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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We requested Ocwen Loan Servicing, LLC ( " Ocwen '' ) to correct a serious error it made when it unilaterally and incorrectly changed the mortgage property address on my monthly Mortgage Account Statements to the address of another property that I already own. Although I complained to the company for over a year, Ocwen failed to correct the error or provide an accurate accounting of my payments on the mortgaged property.
We originally financed the mortgage for a rental property with two units, through XXXX XXXX, XXXX ( " GMAC '' ) on XX/XX/XXXX, in Loan Number XXXX. See Exhibit A. The GMAC Settlement Statement correctly identified our mortgage property as follows on page 1, box G : PROPERTY LOCATION XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, Texas XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, GMAC notified us that it had transferred the servicing of mortgage Account Number XXXX to Ocwen. ( See Exhibit B ). GMAC identified the mortgage property address for the transfer as follows : Property Address XXXX XXXX XXXX.
XXXX XXXX, TX XXXX When Ocwen issued its first Mortgage Account Statement dated XX/XX/XXXX ( Exhibit C-1 ), it correctly identified the mortgage property address at the top of the statement as follows : Property Address XXXX XXXX XXXX.
XXXX XXXX, TX. XXXX Moreover, Ocwen continued to use this property address as the mortgage property location for the next three years, in all of its Mortgage Account Statements. ( See Exhibit C-1 through C-3 ).
Then, beginning XX/XX/XXXX, Ocwen unilaterally, and without explanation, changed the mortgage property address on the Mortgage Account Statement for Account Number XXXX to : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Not only is the XXXX XXXX XXXX address incorrect as shown through Exhibits A, B, and C-1 through C-35, but in issuing a Mortgage Account Statement for that address, Ocwen illegally represented itself as the mortgage servicer for that property, a property that we already owned, free and clear of any mortgage. Ocwen continued this wrongful and illegal action through XX/XX/XXXX, almost a whole year. ( See Exhibits D-1 through D-15 ). Thus, much to our legal detriment, between XX/XX/XXXX and XX/XX/XXXX, Ocwen not only failed to correctly credit our payments with the correct property address, but it also illegally attempted to hold Ocwen out as the mortgage holder on property we already owned and collect payments on property we already owned.
In XX/XX/XXXX, Ocwen again incorrectly changed the mortgage property address on the Mortgage Account Statement. See Exhibit E. This time, Ocwen incorrectly included only half of the duplex ( the mortgaged property ). ( See Exhibit E ). The mortgage property address shown on the XXXX Mortgage Account Statement was : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Again, to be correct, the Mortgage Account Statement should have included XXXX XXXX XXXX, not just XXXX XXXX XXXX.
In summary, despite repeated verbal requests to correct the problem, Ocwen has yet to rectify the Mortgage Account Statements between XX/XX/XXXX and the present, to correctly identify the mortgage property address/location as shown in : 1 ) my original loan from GMAC and 2 ) Ocwen 's own Mortgage Account Statements between XX/XX/XXXX and XX/XX/XXXX. By failing to correct this error, Ocwen has caused us financial harm by failing to properly credit our mortgage account for payments ( principal, interest and escrow ) we made on the mortgage property located at XXXX - XXXX XXXX XXXX, XXXX XXXX, Texas. Ocwen 's error not only exposed us to wrongful foreclosure, but also the possible loss of our investment for payments.
Therefore, after a year or more of unsuccessful attempts to have XXXX rectify this error, we requested the following relief from Ocwen by letter dated XX/XX/XXXX.
1. Immediately issue a letter of correction, including corrected Mortgage Account Statements for Account Number XXXX, for the months of XX/XX/XXXX to the present, that correctly identify the mortgage property address as : XXXX XXXX XXXX XXXX XXXX, TX. XXXX 2. Immediately issue an annual summary statement for the years XX/XX/XXXX and XX/XX/XXXX, showing all payments we have made to Ocwen under Loan Number XXXX, utilizing the correct mortgage property address : XXXX XXXX XXXX XXXX XXXX, TX. XXXX and, 3. State in the letter of correction that Ocwen is neither the servicer of any mortgage nor the title holder or lien holder of property located at XXXX XXXX XXXX, XXXX XXXX, Texas and that any attempts on the part of Ocwen to collect payments for this property were in error.
Because Ocwen has failed to take any action for a year to correct these egregious errors and because we have been advised by our tax accountant to take legal action, we are filing a Complaint with the Consumer Financial Protection Bureau ( " CFPB '' ). We are aware of the many lawsuits that have been filed by States across the nation against Ocwen for similar problems that have resulted in wrongful foreclosure and other serious harm to consumers. We also know that CFPB has filed a lawsuit against Ocwen this year for similar problems.
We are hoping that you will take action to protect us as consumers from this predatory behavior by Ocwen. Thank you for taking the time to consider our complaint.
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| 05/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Loan # XXXX To Consumer financial Protection Company, I have already contact you guys about this issue with PHH mortgage company about PHH not taken my payments and were they are the ones that cause me to get behind on my mortgage. After trying since XXXX of XXXX to straight this out I final get a response from my escalation manger XXXX XXXX on XX/XX/XXXX that it was their fought and the customers service representative should have accept my payments until the problem was corrected. As of today I'm behind 14 months and PHH has sent me foreclosure papers in XXXX to my attorney office in Ohio, which I live in Iowa. I retain them just to look into this for me and they just told me to get away from PHH and try to refinance my home with another lender, because PHH is bad news and will be changing there name again. They told me several times I was not qualified for a modification but yet they sent me the paper work final for the modifacation due to me having a hard time to get them off there website and my attorney had the same problem. XXXX XXXX told to send a letter of Error to PHH I did on XX/XX/XXXX and they still have not received it as they told me. So what should I do, send another one?
I went back and look at what happen again and look through my payment history and what I paid to Ocwen and PHH mortgage companies.
XXXX payment history for Ocwen XXXX- {$800.00} XXXX- {$840.00} XXXX- {$840.00} XXXX- {$800.00} XXXX- {$840.00} XXXX- {$800.00} XXXX- {$800.00} XXXX- {$800.00} XXXX ) XXXX {$800.00} owed, in the hospital XXXX ) XXXX dont remember why {$800.00} owed, Which I don't understand why I was never notified by this and I set up direct deposit this month. I was going through medical issues and still is but I did notified Ocwen I would pay them back and they agree to it and said just add it in with my payments how much extra I want to pay.
XXXX- {$1500.00} XXXX-XXXX If you add all of this up you should get {$9000.00}. If you add my normal payment a month by XXXX XXXXx XXXX= {$9600.00} so this means I was short {$590.00} and never knew it or receive any call or notice from Ocwen about it, would of been take care of.
Now lets look at the Tax history for XXXX taxes which for that tax year is {$3700.00} XXXX {$1300.00} I paid for the installment of XXXX taxes XX/XX/XXXX Ocwen paid {$600.00} XX/XX/XXXX ) XXXX taxes installment {$1800.00} XXXX paid them, and from my understanding they are part of Ocwen.
This mean I owed them back {$2400.00} for taxes, which I thought Ocwen took it out of my payments but did not.
XX/XX/XXXX ) Ocwen called me by phone and said they made a mistake and realized they were short and told me what to pay {$1000.00}, and I recive another call from Ocwen a few days later saying I owed {$350.00} and once again it was their mistake, not collecting the right amount. I'm now resheaching ever payment that was paid. The customer service rep form Ocwen said everything was good. Which I never knew the numbers were off. We our also looking at the reflection of my balance how it went up and never move even when payments were made.
So this would of took care of the {$580.00} and this will leave {$420.00}, still owing {$380.00} for the month of XX/XX/XXXX and maybe not if I find the last payment of {$350.00} this would leave a XXXX balance XXXX ) I paid {$2800.00} to PHH and the XXXX taxes {$2400.00} XXXX owing {$44.00} left XXXX owing {$800.00} adding these two together {$840.00} I could have paid this in XXXX of XXXX but they told me I still owed {$2800.00} for the month of XXXX of XXXX, which I did not! After that it all went down hill. PHH would not expect any of my payments and said I owed for all of XXXX taxes year and XXXX taxes year which is not true. They now have me owning {$3900.00} one month or higher amount when I call back, it depends on who I talk too. What a night mare!
Taxes I paid for XXXX {$3700.00} XXXX Tax year for the first installment in XXXX, I have already paid {$2000.00} and will pay the second installment in XXXX.
Maybe CFPB can see what happen, because I did not and PHH gave me the run around. My monthly payments has been high as {$4900.00} a month which can be confuse and lower it depends who I'm taking to at PHH. So now I understand why the escalation manger XXXX XXXX said they were wrong for not expecting my payment because I wouldnt have been behind if PHH took my payments until this was straighten out. I dont know why Ocwen or PHH never said anything but this confuse within there own company but instead it was all on me and brought nothing but grief, when I try to straight it out. Can CFPB help me with this. By the way a custom service representative told me XXXX XXXX is the one that started the foreclosure on my home and said I did not return his phone call and this is why he sent it to foreclosure. I was in connect with PHH and venture Mr.XXXX phone call, as well as my attorney at the time. Which XXXX XXXX said he did not know I had attorney when I talk with him, so he must not received the message when I called back as well. I would also like to started back receiving my monthly statements every month as well, which I haven't. XXXX XXXX did give me the address to send in a Notice Error to their Florida office and no respond.
Thank you, XXXX XXXX
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| 09/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Re : loan # XXXX To Whom it May Concern : I am writing this letter to request a mortgage modification that will allow me to continue to make my mortgage payments and stay in my home of 11 years. Asking for a STOP of the foreclosure sale scheduled for XX/XX/XXXX.
I had fallen behind due to decreased income in XX/XX/XXXX and my loan modification was denied due to missing documents XX/XX/XXXX. I have boxes of letters from OCWEN however, I have never received any actual help with a loan modification approval.
I have never borrowed money against my home. I have a Flex Pay loan/Neg Amortization Loan on my first and a closed end 2nd. I have a 80 % first, 10 % second, and I put down the remaining 10 % for the purchase of my home. I Have never borrowed against my home. I have never been able to refinance my home.
I have never been modified even though I was part of the " Hardest Hit California '' Group of homeowners. Most of which have since lost their home to either Foreclosure, or Shortsale. 5 of my neighbors lost their home.
My dad didn't have a copy of his retirement pension, which is why we were denied. He only had the bank statements showing his social security and government pension going into his bank account, which I had provided. Unfortunately, at the time was not sufficient enough for the underwriter. Although, I was doing better financially, I personally had exhaused all my retirement and savings trying to save my home. The loan then was transferred to OCWEN from XXXX. All the paperwork was lost. When I called OCWEN, they said that they never received it from XXXX. I was unable to reinstate or modify I had fallen further behind.
My dad, who was living with me and a contributor at the time, said to call the bank to see if he could help me to reinstate. He was willing to use all his savings. I was told by representative XXXX lD # XXXX on XX/XX/XXXX at XXXX Pacific time, that the payoff the total amount due to reinstate was {$33.00}, XXXX. I told her I wanted to include my XX/XX/XXXX` payment of {$2200.00}.
She said go ahead and make the wire for {$35.00}, XXXX instead of {$33.00}, XXXX and that will take care of your XX/XX/XXXX payment. She confirmed that my next payment due date was XX/XX/XXXX for {$2200.00}. On XX/XX/XXXX, my dad wired {$35000.00} to OCWEN. That was the amount that was given to m by OCWEN, see attachment of the Reinstatement Quote.
I have a confirmation of the wire sent and received by OCWEN. See attachments. However, the funds were misapplied and caused me to go into default again. On XX/XX/XXXX, I spoke with XXXX 1D # XXXX to verify that my next payment would be due XX/XX/XXXX for {$2200.00}. I received a confirmation on XX/XX/XXXX confirming the payment for {$35.00}, XXXX had been received. I called OCWEN on XX/XX/XXXX, to make my payment for XX/XX/XXXX. I spoke with XXXX # XXXX, I spoke with ID # XXXX XXXX, at XXXX XXXX. I spoke with lD # XXXX, XXXX # XXXX, she said that the wire had not been applied to the computer system and it was not allowing her to accept my payment. She said she saw the wire had been received, however the computer did not allow her to make the payment. It was still showing 1 was in default. I begged her to escalate the call. She transferred me to XXXX ID #, Escalated Relationships Manager. She said she the system would not allow her to take my payment either. So, I left many messages for the Ombudsman to try to get help.
Unfortunately, we never were able to connect. I sent him an email letter stating my urgent situation. I then received a Notice of Default, before they reinstated the money dad had wired to OCWEN.
The bottom line, the payments were applied incorrectly on XX/XX/XXXX. I continued to reach out for help. Unfortunately, it appeared no one knew how apply the wired funds correctly to remedy the situation. Please see attachment of Mortgage interest statement. This was all I received with no explanation as to what exactly happened and I was never reinstated with the opportunity to just make my payment of {$2200.00}. Therefore, It was never remedied for me, the mistake caused me to go back into default and behind yet once again on my payments.
I also lost my best friend last year, my dad. He lived with me for 7 years, and XXXX took over his body. He had prayed he would see OCWEN modify our home loan before he passed XX/XX/XXXX. I miss him dearly.
I was given no other choice but to file a BKXXXX in XX/XX/XXXX. I had submitted timely payments to both the Trustee and to Ocwen for my mortgage for 12 months, from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the court granted debtors application for order confirming that loan modification discussion would not violate the stay. However, even after my attorney mailed it to OCWEN, I was unable to have anyone acknowledge that it had been received. Unfortunately, I then received notice that my loan had recast, my payment went from {$2400.00} to XXXX, XXXX causing me severe hardship once again. I do not have an attorney representing me for a modification. I have authorized a 3rd party, on my behalf, XXXX XXXX, HUD representative. And here we are.
I have much more, however, I wasn't sure how much your system would take in. Thank you again for all your help.
Please let me know what else you need.
Thank you
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| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was working with XXXX PHH Mortgage to do Modification I made my 3 trial payments of {$420.00} starting In XX/XX/XXXX and ending in XX/XX/XXXX. They told me to sign the Modification paperwork and it would be approved with my Payments of being {$420.00} per mo and a balloon payment of about $ XXXX due on my last payment at the end of the loan. They told me it did not have to be notarized and I thought that was odd in the past I went to my Bank to have it Notarized and them saying it had to be done when they was Ocwen Loans.But they said it would have to be signed by both parties on the loan. I told them that I have done a loan modification in the past and did not need to have my ex wife signature do to me providing them the copy of my divorce decree and copy of my quit to claim deed.This started in XXXX of XXXX and went into the whole month of XX/XX/XXXX and I still continued to make my payments of {$420.00} I have asked to speak to a manager since the the Account Manager in charge of my account never calls me or emails I just get letters of who is in charge if I call her she never returns my calls.I have had several people come and taken pictures of my home and come up on my property and take pictures at my front do and my neighbors texting me someones is taking pictures of your home.I went out and asked they say call your mortgage company and when I do the say its not them.I ask them to call me after work hours and they call me during my work hours I have been yelled at by some of the people from XXXX and told my managers My Ex wife has to sign the papers and I tell them I have no Idea where she is is I have not been in contact with her since XX/XX/XXXX when she took off 22 days after buying my home I filed divorce papers in XXXX of XXXX and was awarded my home and filed a quit to claim deed to have her removed off the rights to the home. XXXX PHH management has told me in XXXX they would send the papers to have her removed off the loan.I waited weeks and called then get a letter saying it was denied due to not being current. Then again in XXXX of XXXX I was told they would get her name off and send me the papers since it was for the Months of XXXX and XX/XX/XXXX of waiting from them it was escalated to hire management on why my ex has to sign the Modification. I was told my XXXX PHH not to sign until they can give me a reason why it was supposed to be signed and returned by XXXX XXXX and every time I call them they are now asking for XX/XX/XXXX payment they cashed it on XX/XX/XXXX and I get Oh I can see it now or I can't see it or you will have to talk to a manager and then I get the same runaround I asked to speak to USA Reps because the Reps in XXXX and other countries seem to give me bad info often or they hard to understand or yell.I get XXXX and ask for US manager then they put me on very long hold times going back and forth with switching me back and forth with mangers or reps back to XXXX was going through this for the whole month of XX/XX/XXXX once or twice a week and them still contacting me after I just spoke to them sometimes the same day or next with same results. I sought help on the XXXX website and was referred to XXXX XXXX XXXX. We spent XXXX hours on the phone for each day trying to get answers and help. He witnessed what I was going through with XXXX PHH same issues asked to speak with a manager in US they would put us to a Rep the the rep would say this needs to be handled by a manager then it would be a manager in XXXX let me get you a manger in the US then they hang up or no managers asking for my XXXX payments they did say my divorce decree and Quit to Claim was not accepted nor would my modification without my Ex wife signature. He was on the phone with me 3 way conference call both days with no answers. He provided me your info and advised me to strongly contact your company for help stating this is not normal he deals with XXXX PHH and never saw how badly they are handing my modification process. I was also told by someone that Oklahoma is not a XXXX State so my Ex wife signature is not needed. XXXX XXXX PHH also stated before I seeked help that they would send me a new modification paperwork in XX/XX/XXXX with it just needing my signature and I was waiting for XXXX weeks and then it was the same paper I was sent in XXXX saying I will need to be current for before they can remove my Ex Wife. This has been going nowhere with this company It could have been resolved in XXXX or XX/XX/XXXX I sent them a check for my back payments when it was {$2500.00} or {$3500.00} they never cashed the check and told me due to Covid 19 all modifications are frozen and we will contact you when needed and had me keep signing forbearance agreements and never asking for Ex Wife signature.Now I owe over $ XXXX it feels like they are sending me into a foreclosure on purpose.By telling me I need my ex wife 's signature. I also kept asking them about what assistance from the federal government for Covid 19 and they kept telling me their are not any programs.
I had to find out about XXXX weeks ago when I got in touch with XXXX He told me to get the modification notarized sign it with my name put N/A on Ex Wife name and mail it back.I did with my check for XX/XX/XXXX.
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| 05/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX - Signed a mortgage with XXXX for {$160000.00} on a Single Family Home in New Jersey. XXXX - Applied with XXXX XXXX XXXX for a new loan to make improvements to our Single Family Home. New Loan : {$230000.00} XXXX - Fell into hard times wanted loan modification. Advised to miss XXXX payments. We were ill advised. XXXX Bank ( as Trustee ) and XXXX ( the servicer ) foreclosed on property. - We were scared, so we moved to fight foreclosure from a different house as the bank actually locked the house up one day when we were at work, immediately prior to the foreclosure action. We had small children and had to break into our own house to get our belongings. To this day we live in the rental we moved into during this time. XXXX - XXXX XXXX dismissed Foreclosure Action. XXXX - XXXX We tried to figure out who owned our loan so that we could sell the house or modify the loan. Mortgage is not with XXXX XXXX, XXXX XXXX or XXXX. Whenever we called XXXX XXXX directly they had no idea who we are and told us we needed to speak to our lender but XXXX had gone out of business and apprently XXXX was no longer our loan servicer. NO ONE COULD FIND OUT LOAN. XXXX - XXXX XXXX files a new Foreclosure Action against us. XXXX - present we are currently fighting this action right now. During the foreclosure action, XXXX XXXX started providing information provided to them by Ocwen, whom we have never dealt with nor were we ever advised by anyone that Ocwen was our new servicer. NOTE : Ocwen is not a litigant, or even listed as one, however they are the only company providing any evidence against us. The reason I am contacting the CFPB is because during this process, Ocwen offered us a loan ... They offered us a loan with no home estimate ( keep in mind no one has been in the house for seven years ), and they requested no financials from us. Considering that there are people out there dying to get their loans modified, we find it quite curious that a bank we have never dealt with would GIVE us a loan for a house site unseen. JUST GIVE IT TO US. The reason we did not take the offer though, and more importantly, is because the loan was for more than our original mortgage, it was only for my husband, yet both of us our on the title and the original mortgage and as much as we would love it to be that easy to modify our original loan, the numbers simply did not make any sense. Nothing about it made sense. With that, we sent a QWR and the attorney and bank have refused to respond. Additionally and to cover ourselves we have since sent two additional letters under RESPA requesting the same information. We sent these requests to the attorney representing the Plaintiff 's and have still not received a response to not one of our letters even with the laws being what they are. We have also requested any loss mitigation options to no avail. It appears that since we did not entertain the loan offer, they are simply going to try and take our house with " robo-signed '' documents and all. We did n't even care about the apparent fraud involved with our case ... we simply wanted accurate numbers. We have never dealt with Ocwen before and do n't even understand how they are involved. But since they are, we want to know where they got their escrow, principle balance, etc ... and no one is making them tell us. This is what we need help with. I would sell the house, but still want the balance to be accurate. My husband and I have made payments on this loan for 10 years ... money that has gone to XXXX XXXX Company, XXXX, and AHMSI all of which both XXXX XXXX and Ocwen refuse to give an accounting of. That 's almost {$300000.00} in payments we made ... included we have lived in a rental trying to work this out and because XXXX XXXX has dismissed the action and reopened it we have been stuck in a rental paying someone else 's mortgage all this time. Money that all along could have been going to my home. Of course I have several issues with XXXX XXXX as they are claiming to be the lender, which we know is not true as they do not lend to residential mortgages. But they really are n't who I need help with and because we really need to pick and choose our battles. The more important battle is with Ocwen ... how do they fit in and where did they get their numbers? And how is it legal to offer someone a loan without looking at any of our financials or stepping foot on the property. They were offering us a loan for more than our original loan. On top of it, they were offering it with a balloon payment and to only my husband. No one in their right mind would take that offer. We would be setting ourselves up for failure. Nothing seems right about their involvement. And we 've already been screwed by the banks once before.
Again for the past seven years we 've been paying someone else 's mortgage. We were locked out of our house, and we 've had to endure years of back credit all for missing XXXX payments as they advised ( which all occurred after we put almost {$300000.00} of payments into our house ). And now here we are, still in limbo ... with the possibility of officially losing our house to XXXX Bank who does n't have one dime invested in the mortgage and Ocwen who we have never dealt with.
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| 12/27/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We have been applying for a short sale for our home in XXXX. We moved XXXX years ago and no longer live in the area. We could not sell the house for what we owed, so took advisement to get a short sale. We have submitted documents and our realtor has as well. Every month they give us another thing that is missing or a document list that we need to re-submit to them. We have had a very hard time getting their exact wording on contracts because it is language like XXXX obligation that our realtor and the title company didn't even know what was, and then found out it is not part of our title, so we amended that on the contract. Most recently they want me to resubmit the tax documents for 2 years, signed. For example, I sent the official IRS downloads, but they want them signed, so I am signing them as is. They wanted a pdf copy of our paystubs instead of jpg. I have resent it. They canceled it all at XXXX point, saying that we missed the deadline, when in fact, the realtor and I sent in duplicate copies and updated dates for the short sale application. Now it is under review again. The loan was with Ocwen, now with PHH. Every month they just make another appointment with the relationship manager person and say we aren't turning in all the documents. We feel that they are making a paper chase for us to fall through and just give up and they forclose. It was our family home and saddens me that they will not let us sell it for something rather than get nothing out of it.
Here is my log of calls from them.
XXXX XXXX : Permission for Realtor to speak on our behalf was given.
XXXX XXXX- emailed to ask for a short sale form, XXXX spoke on the phone with ID XXXX haha. She informed me it was going well, but I needed to go on the Phh website to www.mortgagequestions.com and go to FAQ and fill out the mortgage assistance form for the short sale. She said after filling it out you can e-mail it back to them. Received an email that it was received.
XXXX XXXX, XXXX ID XXXX - Asked if the short sale has been approved. Next steps : Review for short sale. 30 days from completion of packet. Documents accepted and all stars checked on document site.
Appointment moved to XXXX XXXX at XXXX am XXXX XXXX - XXXX - Relationship XXXX. All docs are accepted. Under review. Will hear something soon, ( Still havent as of XX/XX/XXXX ) next appt. For XXXX XXXX at XXXX.
XXXX XXXX - Sent updated purchase agreement and short sale form to PHH and realtor- per realtor.
XXXX XXXX - call - waiting on paperwork from realtor to them. I sent an updated copy of our bank statements.
XXXX XXXX Need to send to email.
Copy of two months bank statements- me Letter that we are not an LLC -me 3rd party authorization form - realtor sent Listing agreement from realtor sent Copy of multiple listing service - realtor sent Disclosure statement - realtor sent Purchase contract & addendums- realtor sent Buyers proof of funds, pre-approval letter - realtor sent Commitment letter on letterhead or bank statement of buyers within 90 days - realtor sent Listing and selling agents license or provide copy of estimated settlement with out realtors commission- realtor sent and I sent all the above XXXX XXXX - call moved up to tomorrow with XXXX.
All documents are accepted, we think.
XX/XX/XXXX- they called me - collections call - update for Short sale Documents needed - sales contract realtor license XXXX party - realtor sent XXXX XXXX ID XXXX Still need a sales contract with pace obligation from realtor - realtor sent Realtor License for them - realtor sent XXXX XXXX authorization - realtor sent Bank statement for XXXX for XXXX I sent XXXX tax XXXX for XXXX- I sent Pay stubs from us for most recent one each - I sent Confirmation letter from XXXX of most XXXX buyer. realtor sent Before XX/XX/XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX Spoke to XXXX XXXX and she said that all of our applications and documents had to be canceled and resubmitted.
The XXXX obligation wasnt on the contract. She couldnt tell me what that stands for, so calling back on XXXX XXXX to speak to a supervisor.
XXXX XXXX- the XXXX I talked to couldnt tell me what XXXX stands for.
{ Realtor said that the title company said we have NO XXXXXXXX on our title, therefore we should not have to show it. She believes this is a tactic to draw out the process until we give up } A letter was received that documents werent turned in on time and now its being canceled.
I called them : XX/XX/XXXX XXXX XXXX XXXX Status of short sale?
Documents? Confirmed receipt of sale agreement.
XXXX XXXX XXXX XXXX ID Still Looking for : Signed and dated two most recent IRS federal XXXX returns- I resent Sales contract -or letter of explanation stating no fees in property signed by buyer and seller- realtor has sent License for our realtor - realtor has sent Financial form with expenses listed for seller - I sent with reapplication Resend paystub in pdf form- I resent She is putting in a request to research to review the documents that were already sent.
I can call back on XXXX XXXX to check again.
Called me, agent ID XXXX XXXX Never mind! She got off quickly since I had just talked to the other one!
XX/XX/XXXX next appointment XXXXXXXX XXXX
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| 03/13/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am writing based on the lack of important disclosure in the modification process of my mortgage. I took over this property from my exwife to whom the property was awarded to through a divorce. My exwife did not remove my name from the home in a timely manner as stated by the courts Instead she abandoned the property and I had to take over the home effective XX/XX/XXXX per a court order. Prior to doing so I connected with Ocwen and was advised I can assume the loan .I was told the get a quit claim deed executed and registered with the county to remove my exwife from the deed and give up her rights on the mortgage. .After doing so and had the deed changed to my name I was advised I can not assume the loan until a year after the mortgage went current. I sent all the documents and got a letter in XXXX advising me of a modification approval. All the letter stated was the new payment, escrow, principle and interest and that I needed to make 3 months of payment after which the modification will be permanently modified. I was encouraged to set up auto to avoid any missed payment opportunity especially since we need 12 months of on time payment to assume the mortgage.
With that being said, I accepted the modification and started making payments in XXXX. I got a call in XXXX from my relationship manager at Ocwen XXXX XXXX asking if I had gotten the document I replied no. My relationship manager XXXX XXXX XXXX sent an email version of the modification. I acknowledge receipt of the letter and discontinued the call. Later I begun reading the documents and saw that there was a balloon payment asking me to pay of XXXX. Upon seeing this I wanted to speak with Ocwen before singing because the initial modification mentioned nothing about the balloon payment and when I spoke with my relationship manger he didn't say there was such a stipulation. I couldn't have signed because I would be committing myself to pay that money at that time.
I was unable to speak with someone so I sent an email after which someone called and then my relationship manager called the next day and explained why the balloon payment. I advised him ill sign and look to refinance prior to the balloon payment. By this date it was passed mid XXXX and my exwife had not signed the document yet. In the quest to meet the deadline I said I will have her sign and either fax or email the document. He said no, it has to be mailed. I now know it wouldn't have gotten there in time I was advised no worries just get it back to us asap.
At this moment all the payments have been made as agreed, the mortgage was current and reporting current on my credit bureau and we confirmed after 12 months of positive and onetime payments I can assume the loan. Only to got a letter on Saturday XX/XX/XXXX advising me of foreclosure actions and that my mortgage is 6 months behind along with an increased payment.
I did all Ocwen asked and yet my account is extremely past due and the risk f foreclosure action., I am a XXXX war veteran who has worked very hard to get here and is at the risk of loosing my home now increases my anxiety level. I was never told about the balloon payment even when XXXX XXXX XXXX called on mid XXXX and knew there was a balloon he failed to disclose that information to me. If he had told me that we would have had the conversation that I waited almost 2 weeks after he called to have.
Ocwen changed the terms of my loan drastically and also ignored my plea for a no reduced payment, I was misled about the assumption and again blatantly withheld primitive information from me which was pivotal to making an important decision. A mortgage is a big investment and ought not to be take lightly. I have already spoken to XXXX XXXX XXXX and advised him that all I want is my mortgage back on track and my credit report updated. This could affect my clearance for my job. My mortgage was only 3 payments when I did the modification it's now 6 months past due. I paid Ocwen from XXXX until now as they asked. This has really broken my trust for Ocwen, it is unethical, unscrupulous and un American to treat anyone like this much more a XXXX XXXX veteran. Ocwen advised me on XX/XX/XXXX that I can reinstate the mortgage by making all the past due payments. I don't have that money to pay including all these factors : the payment has now increased form XXXX to over XXXX per month, the account is not just 3 months but over 6 months past due. This process has resulted in more adverse action that what it was before. I am helpless and is being manipulated by an big organization. I truly need my account updated, so I can assume the loan within a year as stipulated. All my payments were made on time, and my account was on its way to 12 months on time payments. Bringing back my loan to XXXX within out contacting me is bring my loan back to XXXX and no one even tried contacting me speaks of Ocwen 's continued unethical practices. I felt like it's a scam to steal and or foreclose on my property .This is absolutely a scam and can not be legal to make such a change and don't disclose the information and change with the borrower. I need some assistance resolving this issue, hold Ocwen accountable for unethical practices.
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| 08/09/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear CFPB, I'm reaching out today, for some guidance, and education on what to do next!
For the last almost 7 months now, My family and I have been trying to get back on our feet since this horrid pandemic. My mortgage with PHH Mortage was definitely affected like many others. Mainly deciding if groceries or a mortgage bill was the right decision in that moment or to feed our children. Naturally our children won. There was a good 6 months that we were behind, was told by mortgage company PHH Corporation, XXXX ID # XXXX. that all would be ok and credit would not be affected.
Fast forward to XXXX of XXXX when " things are getting better '', and we now start the process of remodifying our mortgage. Was beyond cooperative gave them all documents and anything necessary to mke the process quick, easy, and effortless. Also had a third party involved, XXXX XXXX XXXX XXXX XXXX to truly ensure nothing went without a beat! First modification was processed in about a month we signed and had certified documents sent back in a timely manner. Making our first payment went more than smoothly at a new monthly amount of {$960.00}. Payment was made and within a month we got the horrible news that their underwriter 's had messed up the numbers or the math ( mindblowing all in its own ) and we were told we had to resign modification and our new payment would be {$1000.00}.
So now one payment was made ( never accepted ) and was put into some time of " escrow '' account and was told it would be put towards my next payment once mortgage was all done again. In the meantime we sent yet another payment upon their request of the new amount of {$1000.00}, on top of a money order in the amount of {$200.00} to complete the difference in the first payment made of {$960.00}. Also requested by PHH.
Few weeks go by and low and behold here come all of the checks that were submitted upon their requested returned to us and were told the new modification wasn't accepted due to signatures! Third party and I sat down and we checked every last signature to the one they had accepted prior and NOTHING was different, yet again cooperated and sent notarized docs AGAIN!
We then had an underwriter XXXX with PHH Mortgage involved at that point, and low and behold, he found out that my marriage license was never uploaded into PHH 's system about 9 years prior! What they wanted without actually saying and just stating on the denial letter that a signature was missing, but in reality what they wanted was for my maiden name to be hyphened on my married name on the modification application.
XX/XX/XXXX I FINALLY got the phone call from XXXX that ALL we had to do was sign old modification documentation and everything would finally be back to normal. Or so we all thought including him! Low and behold I call him the following Tuesday to ensure all was good & to let him know papers were going out that day! Only to find out that Tuesday morning that our mortgage had been sold in the middle of modification process to XXXX XXXX right at the end of a modification that we had to go through due to the Covid19 pandemic. All for it almost to be over and be able to pay our mortgage again! Just to have PHH make my life and even bigger XXXX
I was then advised to call new Mortgage company XXXX XXXX to see status of our paperwork. On XX/XX/XXXX I was told by them they did not have all of the info due to PHH not providing all of it to them. It is now XX/XX/XXXX and I still don't have word from either mortgage company as to what is going on.
They have not been complying or cooperating since it's started & is shockingly still not completed with either mortgage company.
I also have XXXX involved in hopes they can help not only with the process but also some relief. They also know of this change recently because I have notified them about it, and provided them with a updated loan number with XXXX XXXX. I now owe more than ever about {$21000.00}. due to this very unfortunate matter. To make matters worse crippling my credit score that wasn't supposed to be affected by this whole pandemic is shot more than ever now because we " aren't paying '' our mortgage, because we literally can ' due to this huge mess, it seems like we aren't paying our biggest asset we have under our names! All due to the very unprofessional mishandling of our loan for our home from PHH Mortgage. I have complied with them from the beginning and gave them every detail they have asked for. Including doing all of the phone calls and leg work for them for over 6 months now!
We are very concerned as to what is going on at this point with our loan for our home, as it is our ONLY asset we have for our family! We just want this all cleared up and put behind us and have been ready to get back on our feet and pay our mortgage normally. If there is anything you need from us, I am more than happy to get it to you immediately. I cant believe I have made it as far as to put a complaint against them! We just want our modification completed and our home to be OUR HOME. I was told to actually call XXXX XXXX XXXX XXXX and its literally my next step in what feels like a nightmare I cant wake up from.
Please help our family Thank You!
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| 02/16/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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11 years ago, me and my wife filed for bankruptcy, so our credit was not good at all. In the bankruptcy our previous home on XXXX XXXX XXXX XXXX. was included in the bankruptcy. Over the years at times, we could not afford our mortgage ( late payments etc ) and would have to modify them this was probably done three to four times in a 6-year stretch and each time that we Modified with OCWEN the payments where always put on the back of the loan. At any time, we could have walked away with nothing owed but we ( me and my wife ) maintained our home. In or around XXXX of XXXX we entered into yet another Modification with Owen Home loans this was the final time. During this time, the notary they sent out came to us at least five times to have us resign papers either the signature was wrong, or the calculation was wrong etc. This can be seen buy the Modification papers in section 3. Where it says, first modify payment will be due on XX/XX/XXXX. If you look at the time, we signed the last time it was XX/XX/XXXX. This was the same person ( notary ) each time. If you look at the modification papers you will see that the notary had us ( me and my wife ) initial each page including a couple of pages that she notarized without our signatures on them to verify that we agree to that page, she said that this was so that it indicates that we read and understood each page. Each page that has a signature has the notary signature and notary stamp as well. She had us sign a signature page to verify our signatures during the first visit also notice on the signature page that next to our names it says witness signature there is no witness making the signature page not valid. So, our modification went through in XX/XX/XXXX we continued with payments that started in XX/XX/XXXX maybe {$100.00} or {$200.00} less than before. I always thought since we went to a 4.00 % interest rate that and the payments, we were behind in went to the back of the loan, I never thought that OCWEN was getting a second loan out in our name because it never was told to us and it does not indicate this on any of the documents that we signed. I have Documents sent to me from OCWEN showing my modification. So, me and my wife had fixed our credit and at this point of our refi in XXXX of XXXX, 8 years since our bankruptcy and where able to finally refinance our home.
So, on XX/XX/XXXX we refinanced our home. At this time that we refinanced our home this is when we first were told of the lean on our home that was taken from XXXX for {$39000.00} this was never brought to our attention and we were never made aware of this loan/lean prior to our lender telling us this. In XXXX our income was low, and our credit was not good enough to refinance this the whole purpose of re modifying our loan. So, you will see in the closing statement of my refinance Document that XXXX is on there in the amount of {$39000.00} you will also notice that it shows everything that We are paying off and how much is being financed, this does not show this anywhere in our modification. On the top of the third page on my OCWEN Modification it shows the breakdown of my new modification also note it never indicates the amount that was previously owed on the loan. You will see on My buyers closing statement that was obtained by XXXX XXXX showing the balanced owed. After I refinanced, I requested the documents that they said I signed. If you look at the documents not one of the pages have been initialed by either of us including the notary page like they were on the Modification documents, none of the pages are numbered, there is a signature page that was added but this was used by the notary to verify our signatures and we were told thats all it would be used for, it was never used in our modification papers, there are no dates by our signatures showing when it was signed like the where in the modification paperwork, the notary page does not have our initials like it does on the Modification paperwork.
I understand about companies inquire loans to offset modifications but what is not legal here is the fact that OCWEN obtained a loan in mine and my wifes name without our knowledge. There is nothing in the Modification paperwork that shows that this amount was offset to XXXX. There is nothing in any of the paperwork that shows that we signed for it. The notary is in the wrong as well providing a signature document that was to be used for verification and throwing it in to loan documents to obtain a loan. I believe that this was done illegally and that this violated mine and my wifes rights. This would be like me getting someones signature and social security number and getting a loan without their permission. JUST BECAUSE ITS A Mortgage company does not give them legal rights to do cause fraud or to break any laws. Even if you buy a car and you trade your old one in the amount is shown as a credit on your loan paperwork. I do understand that modification is less paperwork than refinancing or even buying a home but like my current home I have a lean on it, but I know about it and it is in my paperwork ( it was down payment assistance through my lender ) Thank You, XXXX XXXX XXXX Cell XXXX Work Cell XXXX XXXX XXXX
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| 01/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American, Servicemember |
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XX/XX/2019 - Received notice from Ocwen Loan Servicing advising that PHH Mortgage Services would now be collecting. Also stating that amount due as of XX/XX/2019 was XXXX 's payment -- in other words, one month.
Friday XX/XX/2019 - I called PHH Mortgage to find out principal outstanding. Was told it was {$230000.00}. I ask that PHH Mortgage mail me a complete record of all payments and amounts owed. I mailed check # XXXX, dated XX/XX/2019 in the amount of {$230000.00} to PHH Mortgage to payoff the principal of my mortgage and to cover additional fees. I expected they would send me a bill indicating any fees still unpaid.
Friday XX/XX/2019 - Check had not cleared. I did not receive the report I requested that would show all of the monies I'd paid and how those monies were applied to my account. I contacted PHH Mortgage and learned they had not posted the principal payoff to my account. They said they had not received the check. Again I asked them to send me a full report of the account.
Monday XX/XX/2019 - I called PHH Mortgage. They still claim they have not received my check. I still have not received the report.
Friday XX/XX/2019 - I put a stop payment on the check. I issued a wire transfer from my checking account to PHH Mortgage in the amount of {$230000.00}. Transfer is successful. {$230000.00} is immediately debited from my checking account Monday XX/XX/2019 - I contacted PHH Mortgage to request amount of any outstanding amounts due ( beyond the principal which I had already wired ). PHH Mortgage representative advises me that there is no evidence that I'd wired {$230000.00}. Advised me that the processing could take several days.
XX/XX/2019 - I called PHH Mortgage to inquire on the status of them processing the {$230000.00} principal payoff. They still indicate they have not received the wire.
XX/XX/2019 - I contacted my bank to see if funds have been returned to my account. My bank confirmed the wire was successfully received by PHH Mortgage. I called PHH Mortgage and demanded to speak with a supervisor. There was no supervisor available that day. Was told to call the next day.
XX/XX/2019 -- I called PHH Mortgage. I continued to be told there was no evidence that I had sent a check nor was there evidence I had wired any funds. Representative challenged me. Asked why I had sent a check in the first placed and accused me of lying.
XX/XX/XXXX - XX/XX/2019 -- I check with my bank daily to confirm that funds have not been returned to my checking account. I called PHH Mortgage daily and am advised that they have not processed a payoff nor have they received a wire.
XX/XX/2019 -- I receive a letter from PHH Mortgage dated XX/XX/2019 stating I owe XX/XX/2019 payment and that I have an outstanding amount due of {$230000.00} -- a clear indication that the funds wired in the amount of {$230000.00} has not been processed. However, the funds are not in my checking account and my bank maintains that PHH Mortgage has received the funds.
XX/XX/2019 -- I called PHH Mortgage. Again, I am told that there is no evidence I have wired any funds. This time I am adamant and refuse to get off the phone until someone helps me. After holding for about a half hour, someone with the ID # XXXX finally is able to find the funds. He tells me the funds that were sent via wire were placed in suspense. He also says there is no indication of PHH Mortgage ever receiving a check from me in the amount of {$230000.00} but by this time I had already put a stop payment on it so I was less concerned.
XX/XX/2019 -- PHH Mortgage representative tells me he will " rush the payoff ''. I told him that I wanted to pay any additional amounts. He tells me the letter I received on XX/XX/2019 no longer contained an accurate reflection of the amount due. I asked how I would know how much I owe when the letters PHH Mortgage sends are outdated by the time I receive them and that their representatives will not quote me an amount over the phone. He said he understood he problem. Again, I ask that PHH Mortgage mail me a complete record of all payments and amounts owed.
XX/XX/2019 -- I receive a letter dated XX/XX/2019 from PHH Mortgage stating " Due Date of Monthly Payment : XX/XX/2019 principal outstanding {$8800.00} '' This same letter states the total amount due to payoff the loan is {$2000.00} XX/XX/2019 -- Confused, I call PHH Mortgage to demand an explanation. I contend that the principal has already been paid off. They are unable to explain. I demand that they send a full report with an explanation.
XX/XX/2019 -- I receive a letter from PHH Mortgage containing my check # XXXX ( the check PHH Mortgage claimed they had never received ). It is attached to a PHH Mortgage form letter dated XX/XX/2019 stating, " Enclosed please find your check number XXXX dated XX/XX/2019, in the amouunt of {$230000.00}. This check is being returned for the following reason : '' and they fail to indicate why it is being returned to me.
XX/XX/2019 -- I begin searching for an attorney I can afford.
XX/XX/2019 -- PHH Mortgage sends me a letter of default and intent to accelerate.
Finally PHH Mortgage contacts me indicating they intend to foreclose.
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| 02/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Our original and subsequent requests for mortgage assistance in the form of loan modifications, forbearance plans, repayment plans were submitted numerous times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently in XX/XX/XXXX but to no avail. Most recently the process was stalled by the mortgage company from late XX/XX/XXXX to XX/XX/XXXX supposedly waiting for a reply from XXXX XXXX regarding the letter they sent to them on our behalf, thus many months later being told we were denied and that they knew nothing about waiting for XXXX XXXX decision.
I constantly call them, and I have found that they often never know whats going on with my case. I usually have to refresh their memory, even the so-called Relationship manager has no clue and their XXXX language barrier makes it difficult to communicate properly with them. It feels as if I am talking to a robot. This has been a difficult process and at their request they tell me to reapply for assistance then they deny us for the same reason, they are ignoring the medical situation and car accident that caused the temporary loss income.
XX/XX/XXXX ATTN : ESCALATION DEPARTMENT/APPEAL OF DENIAL Subject : Home Retention Department Loan # XXXX To whom it may concern, In XXXX I suffered severe XXXX XXXX pain which throbbed/ached at night when I tried to sleep and affected my ability to tie my shoes, walk and perform my work duties, therefore at the direction of my doctor I was instructed to have my XXXX XXXX replaced. Prior to that I tried XXXX but it didnt help me. I was only XXXX and they said I had the XXXX of a XXXX year old and they said it was genetic.
I was then scheduled for XXXX on XX/XX/XXXX and afterward I spent 4 months recovering even though I was initially told 2 months. I suffered excruciating pain for 2 months and I was unable to care for myself without help. This took a serious toll on my family, my business XX/XX/XXXXand my mental. Subsequently my XXXX became XXXX and it took some time to heal and my XXXX XXXX became longer.
I spent XX/XX/XXXX slowly recovering, thus subsequently returning to work.
Second, on XX/XX/XXXX I was in a horrible car accident which re-injured my replaced XXXX and left me with multiple XXXX in my XXXX and XXXX, and my car was completely totaled. This accident left me unable to walk for two months without assistance. My XXXX XXXX left me on bed rest for 8 weeks, thus followed by an additional 8 weeks of therapy.
Financially I thought I could manage however the insurance company would not pay my lost wages since I am self employed and they led me to believe I would be paid later to tell me they couldnt.
Anyway I returned to work sooner than the doctor wanted me to so that I can help my family financially. My XXXX income covers 60 percent of our bills therefore not having it hurts us. ( my husband works for XXXX XXXX XXXX XXXX XXXX XXXX ) Also, my daughter who is in the United States XXXX XXXX is also an occupant of this home, has tried to help us as much as she could but her income is very limited.
Third, the repayment plan we were in at the time of my accident had us paying a double mortgage and in conjunction with my medical problems/loss of income..we could not though we tried.
Upon my return to work in mid to late XX/XX/XXXX our income was analyzed by a HUD approved housing counselor and they ascertained that we can afford to pay a XXXX per month mortgage with a little left over after our bills are paid. The counselor was working on the possibility of you giving us a new repayment plan.
Finally, I am now fully back to work and as of XX/XX/XXXX I have put myself in a situation whereby I can increase my income by 30 percent thus allowing us to pay a double mortgage and save for a rainy day without a problem. We are formally requesting a fourth and final loan modification due to my recent medical condition and subsequent car accident this year. Please consider our request.
I am working hard to start over and improve our finances so that we can move forward in economic success thats consistent.
We want to stay in our home.this is a place where I run my business and losing it will impact several families that count on quality XXXX XXXX and XX/XX/XXXX services and most importantly, my family that loves this home.
Furthermore upon being denied for a loan modification 3 times because the investor did not allow more than 3. I reached out to XXXX XXXX Corporate offices and I explained my situation and they verbally told me and then sent me a letter alluding to the fact that they would send the servicer ( PHH ) a letter asking them to re-evaluate our request and help us obtain a loan modification for the fourth and final time.
ATTACHED LETTER FROM MY MORTGAGE INVESTOR, XXXX XXXX P.S.
At your request I can provide you with proof of my medical conditions by showing hospital records and medical records.
I have proof of the car accident and insurance company denial letter for lost wages, upon your request.
I can also provide you with the HUD government approved budget counseling.etc.
Thank you in advance for your help.
Yours Truly, XXXX XXXX XXXX XXXX
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| 10/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX, I had the privileged to build a brand new home with my family. XXXX XXXX XXXX XXXX XXXX owns the loan, but they retain XXXX, XXXX XXXX, OCWEN and now PHH Mortgage to handle the loan servicing for them. XXXX went out of business, and the loan servicing pass to XXXX XXXX. In XX/XX/XXXX, due to a divorce and medical bills, I felled behind on my property tax and mortgage payment.
In XX/XX/XXXX, I reached to XXXX XXXX for a loan modification, however they denied the request, stating that the investment banking company do not provide such service to struggling home owner like me.
In XX/XX/XXXX, I filed for Chapter XXXX to secure the property with a promissory note to payback all of the arrears ( property taxes and mortgage ), and continued to make the monthly mortgage as required by the loan agreement.
On XX/XX/XXXX the United States Bankruptcy Court approved the Chapter XXXX, Case no. : XXXX to proceed with the term of 60 months at {$990.00} per month for the arrears of property tax and back mortgage payment. In addition, I had to continue to maintain the current payment of {$3600.00} per the Chapter XXXX agreement.
I fulfilled the Chapter XXXX agreement by making the required monthly payment to the Trustee in the amount of {$990.00} per month, alongside keeping up with the current monthly mortgage payment of {$3600.00}, by sending the payment directly to the servicing company XXXX XXXX.
In XX/XX/XXXX, XXXX XXXX raised the monthly mortgage to {$4100.00}, and in XX/XX/XXXX, the monthly payment raised to {$4800.00} despite the Chapter XXXX requirement and the case was still in full force. But in XX/XX/XXXX, the servicing company changed to OCWEN Servicing Company. The root cause of the problem occur between XXXX XXXX and OCWEN Servicing Company when the transition of loan was not handled properly.
I continued to make the monthly payment per the court in the amount of {$4100.00} up until Chapter XXXX payment and requirement was fulfilled, satisfied and discharge on XX/XX/XXXX.
The arrears and monthly payment was satisfied as I have fulfill the commitment and agreement set forth by the court. I continued to make my regular monthly payment in the amount of {$4200.00} monthly to OCWEN. The monthly mortgage payment was accepted and continued up until XX/XX/XXXX, when OCWEN rejected the monthly payment of {$4200.00}. On XX/XX/XXXX, OCWEN send me a Pre-Foreclosure Notice demanding the amount due as stated below : I reached out to OCWEN to get this matter resolved, but no resolution was provided. I seek help with a Foreclosure attorney, who ended up taking my money but didnt resolved anything in this matter. In XX/XX/XXXX, I resorted to file a complaint with the Consumer Financial Protection Bureau in order to protect my home from going into foreclosure and hoping to work out a resolution with the OCWEN Servicing Company. Since my filing with CFPB, OCWEN never responded to my complaint nor did they ever contacted me with a resolution.
Until XX/XX/XXXX, I received a notice again that a new servicing company with the name PHH Mortgage will take over servicing my loan. On XX/XX/XXXX, a NOTICE OF TRUSTEE SALES was posted at my home. The notice indicated that the Foreclosure preceding to take place on XX/XX/XXXX. Once again, I reached out to file a second complaint with CFPB and requested PHH Mortgage to provide a detail of the delinquent amount and how they arrive to this outrageous amount. PHH Mortgage responded to the complaint only to state that all of the amount I paid was applied accordingly. The respond said they would put the Foreclosure on hold until a resolution was made.
Unfortunately, on XX/XX/XXXX, a SECOND NOTICE OF TRUSTEE SALES posted at my home once again, with a sales date of XX/XX/XXXX at XXXX. I registered with PHH Mortgage on XX/XX/XXXX in order to work out a resolution in order to save my home. To my surprise, I notice the status of my loan indicated that my next payment due date was XX/XX/XXXX. How can that be, this means that the servicing company did not apply any of the payments I have made from XXXX to XXXX, pre and post Chapter XXXX ; otherwise, the loan activity would not reflect this on their portal : The loan activity and the latest statement as of XX/XX/XXXX from PHH Mortgage indicated that I am now in DEFAULT in the amount of the following : The default continued to grow since the inception of the Chapter XXXX, the servicing company from XXXX Bank to OCWEN and now PHH Mortgage NEVER apply any of the payments that was made by the United State Bankruptcy Court and my regular payment. This is seriously a FRAUD.
If the investment banking XXXX XXXX really wants this home, I am willing to give it back. But in return, I want my payment back in the amount of {$280000.00}, during the year XXXX, pre and post Chapter XXXX. When the payment is return, I will then release all liability and I will release the Deed, the minute I received the payment back. If no payment is return, I ask for a compromising agreement to remove the Foreclosure status, and allow me to continue to live in the home with a reasonable monthly payment of {$3600.00} as indicated by the court during Chapter XXXX.
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| 11/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint addresses the non payment of homeowners insurance and taxes to the County , XXXXXXXX and XXXX XXXX for my property. The property includes three parcels, XXXX XXXX, XXXX XXXX and XXXX XXXX. My monthly mortgage payments include a sizable escrow for payment of taxes and insurance by the mortgage company.
My mortgage was previously serviced by XXXX XXXX XXXX, and was sold to PHH Mortgage who took over in XXXX XXXX XXXX
On XXXX XXXX, I received a letter from XXXX XXXX XXXX stating that the XXXX XXXX taxes for parcels XXXX XXXX and XXXX XXXX were past due. I contacted the XXXX and mailed a check the same day in the amount of {$0.00}. I then called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed that the XXXX School District taxes had not been paid for XXXX XXXX and XXXX XXXX and were past due. I remitted the sum due by mail to XXXX XXXX XXXX.
On XXXX XXXX XXXX my property was posted by the XXXX XXXX XXXX XXXX XXXX with a notice stating that the XXXX County taxes had not been paid for parcel XXXX XXXX and that my property was subject to sale to recoup the amount owed.
I contacted XXXX XXXX XXXX regarding the non payment as they were servicing the mortgage at that time. XXXX XXXX XXXX ststed that they could not help me as they no longer serviced the account and that I should speak to my current mortgage provider.
I spoke with PHH on XX/XX/XXXX and explained the situation and stated that I would be paying the XXXX County back taxes, in person, for the property on XX/XX/XXXX to avoid a XXXX being placed on the property and subsequent Sheriff 's Sale. The PHH representative stated that once the tax bill was paid, I would be required to show proof of payment which included the parcel number for the property, and I would be issued a refund.
I then contacted the XXXX XXXX XXXX XXXX XXXX to confirm the proper procedure for the payment of the XXXX overdue taxes. When I spoke with the XXXX XXXX XXXX XXXX XXXX, they looked up the parcel numbers for my property and informed me that the XXXX XXXX XXXX and XXXX XXXX taxes for XXXX for the additional two parcels, XXXX XXXX and XXXX XXXX had not been paid. The XXXX XXXX XXXX also said that the XXXX County tax had not been paid on parcels XXXX XXXX and XXXX XXXX I traveled to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Treasurer on XX/XX/XXXX and paid the following ; - XXXX XXXX XXXX XXXX for Parcel # XXXX XXXX in the amount of {$1200.00}.
- XXXX XXXX XXXX, School District and XXXX XXXX for XXXX # XXXX XXXX in the amount of {$160.00}.
- XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX for XXXX # XXXX XXXX in the amount of {$170.00}.
- XXXX XXXX XXXX XXXX for XXXX # XXXX XXXX in the amount of {$0.00}.
- XXXX XXXX XXXX XXXX for XXXX # XXXX XXXX in the amount of {$0.00}. Rec To date, I have paid {$1500.00} in taxes for XXXX and XXXX
On XXXX XXXX XXXX I sent PHH ( to the attention of the tax dept ) a lenghty and detailed email attaching all of the receipts for the taxes which I had paid. I requested that PHH acknowledge receipt of the email and provide me with the contact name and information for the individual who would be handling the matter. I received no response from PHH and contacted them again on XX/XX/XXXX. I was eventually transferred to the escalation department. The individual provided his direct contact number and stated that he would look ino the matter and would provide me with an update in three ( 3 ) business days. I reciveived no update from PHH and again called on XX/XX/XXXX and left a voicemail asking for an update. I called again on XX/XX/XXXX and left another voicemail to which there was no response. I called again on XXXX XXXX XXXX and left a voicemail which there was no response to.
In the afternoon on XX/XX/XXXX I tried to reach another individual to try to resolve the matter. I spoke to a different individual and explained the history and requested an update. This individual said he would beed to research the matter. I explained at that point, the tax department had had my email with the information they requested for 11 business days and no one had contacted me. The PHH representative assured me that I would receive an update by the end of the day. I received no updates from PHH on either XXXX or XXXX of XXXX
I called PHH again on the afternoon of XX/XX/XXXX and after being on hold for 28 minutes, the call cut off.
I additionally paid {$3200.00} on XXXX XXXX XXXX. I received correspondence from my insurance company on XX/XX/XXXX stating that my premium was past due and was going to lapse, as my homeowners policy had not been paid by PHH. I contacted my insurance company on XX/XX/XXXX and paid {$3200.00}. I contacted PHH and they stated they were not on the declarations page of the insurance policy and were unaware of the bill, but that I would be reimbursed. To date, I am waiting for reimbursement from my insurance company as the insurance company did finally receive payment eventually from PHH.
Both XXXX XXXX XXXX Mortgage and PHH Mortgage have been derelict in their duties towards me as a consumer. Trying to resolve this matter with PHH has been extremely stressful and time consuming as well as draining to my finances.
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| 01/10/2024 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I Purchased a brand new home in XXXX from XXXX XXXX. I also XXXX at XXXXXXXX XXXX at the time I am a XXXX XXXX in the state of Florida I Purchased my home insurance through XXXX XXXX insurance in XXXX mortgage. They broke the policy out to XXXX, which is also called XXXX XXXX. I initially had my loan through XXXX XXXX who sold the loan to PHH mortgage. It is an FHA loan that requires all insurance and taxes be paid out of escrow at closing. I paid a year and a half of insurance as well as money was taken out for my monthly mortgage payment in XX/XX/XXXX it appears my mortgage company did not pay the full premium. It was short {$110.00}. XXXX XXXX says it was charging {$110.00} more for papers that I needed to sign that were not signed which would be impossible because I have a policy and went to closing. I never wouldve been able to close on the home if I hadnt sign for the policy, my closing was delayed and so according to the lady I spoke to they reissued me another policy with a different policy number, but did not explain to me. It was a whole different policy anyways, we wouldnt have been able to close without those signatures but we did when they found a mistake they added {$110.00} to the premium to compensate for that, according to them PHH mortgage did not pay the XXXX so they canceled my insurance policy. According to PHH they never received notification of the additional amount. When they called XXXX XXXX to find out why the policy hit last and try to make payment for the {$110.00} XXXX XXXX refused to accept the payment at that time. PHH needed to get their lawyers involved because this is a violation of RESPA. The law states that if mortgage company fails to pay escrow and the policy lapses or is expired it, is there a duty to call the insurance company and get the policy reinstated within 90 days. And the insurance company is supposed to reinstate the same policy within that 90 days, none of this happened instead they put the onus on me to purchase homeowners insurance that was twice three times the amount of my original policy. I called XXXX XXXX myself and they didnt mention any of the law and try to quote me a higher price as well. She asked if they could reinstated, and they said no, which was a lie and violation of RESPA. Whoevers fault it was whether it was the mortgage company or the insurance. They both are at fault because they did not follow the remedy. It is very clearly written. Neither company is returning my calls or taking this seriously and they are letting the 90 days go by. Also, the law states that if it was The mortgage companys fault for not paying the escrow, they are supposed to pay the additional amount for the next two years that my payment has gone up per month. I expect this to be enforced.
sect 501.37 1 ) Every lender of money, whether a natural person or an artificial entity, whose loans are secured by a mortgage on real estate located within the state and who receives funds incidental thereto or in connection therewith for the payment of property taxes or hazard insurance premiums when the funds are held in escrow by or on behalf of the lender, shall promptly pay the taxes or insurance premiums when the taxes or premiums become due and adequate escrow funds are deposited, so that the maximum tax discount available may be obtained with regard to the taxable property and so that insurance coverage on the property does not lapse.
( 2 ) If an escrow account for the taxes or insurance premiums is deficient, the lender shall notify the property owner within 15 days after the lender receives the notification of taxes due from the county tax collector or receives the notification from the insurer that a premium is due.
( 3 ) ( a ) If the lender, as a result of neglect, fails to pay any tax or insurance premium when the tax or premium is due and there are sufficient escrow funds on deposit to pay the tax or premium, and if the property owner suffers a loss as a result of this failure, then the lender is liable for the loss ; except, however, that with respect to any loss which would otherwise have been insured, the extent of the liability shall not exceed the coverage limits of any insurance policy which has lapsed.
( b ) If the lender violates paragraph ( a ) and the premium payment is not more than 90 days overdue, the insurer shall reinstate the insurance policy, retroactive to the date of cancellation, and the lender shall reimburse the property owner for any penalty or fees imposed by the insurer and paid by the property owner for purposes of reinstating the policy.
( c ) If the lender violates paragraph ( a ) and the premium payment is more than 90 days overdue or if the insurer refuses to reinstate the insurance policy, the lender shall pay the difference between the cost of the previous insurance policy and a new, comparable insurance policy for a period of 2 years. If the lender refuses, the lender is liable for the reasonable attorneys fees and costs of the property owner for a violation of this section.
( 4 ) At the expiration of the annual accounting period, the lender shall issue to the property owner an annual statement of the escrow account.
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| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2019 I started a loan modification with PHH Mortgage. Their terms are 3 trial payments at an amount similar to what the modification amount may be, then a permanent monthly payment is established after the terms are accepted by both parties. I made the 3 trial payments and called on XX/XX/2019 to make a payment for XX/XX/XXXX, but had not received the final modification paperwork. I was told by the representative that I did not owe a payment for XX/XX/2019 as the modification had not been completed yet.
I received a letter on XX/XX/19, dated XX/XX/19 that the modification was approved and that I now owed a XX/XX/XXXX payment of {$780.00}, as I was preparing to make a XX/XX/XXXX payment. I did not have the funds to make that payment and a XX/XX/XXXX payment so I paid {$780.00} for XX/XX/XXXX, and was immediately behind on the XX/XX/XXXX payment as I could not pay another {$780.00} immediately. I phoned to make a payment arrangement for that amount due to the short notice and was denied.
In the meantime, I was receiving monthly statements indicating that the monthly mortgage payment due was {$910.00}, not the {$780.00} that was agreed upon in the modification. I have 16 documented calls to PHH Mortgage from XX/XX/2019 to today, but made many others, regarding this matter. Apparently, less than 30 days after the modification was approved PHH did an Escrow Analysis on the mortgage. I've not ever seen this document, nor have I received it after asking 3 time to have it sent to me. This is to be included in the Loan Modification as indicated in Item 3, Page 3 of the Modification document I signed. Each representative I spoke with stated that the online amount just had not been updated by the Modification Department and that they could see that my monthly payment was modified to {$780.00}. I continued to make that payment and had the mortgage what I believed to be current by XX/XX/XXXX.
In the meantime, my mortgage is reported as late to the credit bureaus, my credit score has dropped 120 points and I am no longer eligible for a conventional mortgage. I was intending to move shortly and have been diligently working on my credit rating, which is why I modified the mortgage. To date, the mortgage is still reporting as past due.
On XX/XX/19 I finally spoke with a Representative ( ID : XXXX ) in the Home Retention Department who stated that the Escrow Analysis done in XX/XX/2019 was done in error as it was included in the Modification. They do the analysis and spread those funds throughout the mortgage to arrive at the monthly payment. He stated he would correct the loan and my payment would return to the agreed amount of {$780.00} beginning with the XX/XX/19 payment. I logged on to make that payment, and it is now showing a monthly payment of {$790.00} I am not going to make an issue out of a $ XXXX/month increase in the payment, however my most recent statement is the first I'm seeing this figure.
The reason for this complaint is that the mortgage now shows monthly past due charges for XX/XX/XXXX-XX/XX/2019 and a past due amount of {$340.00}. This amount came to be due to the mortgage payment owed ballooning to $ XXXX/month and me paying {$780.00}, leaving an unpaid amount monthly of {$120.00}. PHH Mortgage has been applying my payments to the oldest unpaid amount and hold the remainder in a suspense account until the full mortgage payment is funded, then they apply it. I currently have {$480.00} in my suspense account from my last payment. Today I phoned and was advised that regardless of this being an error made by PHH Mortgage, there is no solution to bring this account current unless I pay the past due amount of {$340.00} plus the new mortgage amount of {$790.00} by XX/XX/19. If the reason I'm in this position is as a result of PHH Mortgage 's error, then how is it that I still owe past due funds? Had the error not been made, I would have been underpaying monthly by {$6.00} ( agreed amount {$780.00} minus the new amount of {$790.00} ) and would have corrected that immediately. I was advised that my only options are to pay the past due amount or re-modify the loan so they can roll those funds into the new amount owed. I was also advised that no further changes will be made now that the error has been corrected. They state they are very sorry for the error but nothing can be done about the past due amount nor the credit reporting. I am literally being held hostage by this error - I do not have the funds available to pay the past due amount I never actually owed, I can not refinance, obtain a mortgage on a new home, nor refinance anything else due to the drop in my credit score. " We're sorry '' isn't fixing this issue.
Any assistance you can offer would be greatly appreciated. I do not feel as though I should be enduring additional financial hardship as a result of trying to make the loan more affordable and their obvious and admitted error. I've done my due diligence in making payments on time and trying to correct errors. Their research department averages 45 days to respond to " research '' issues which added to the length of this issue exponentially.
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| 02/17/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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For many years Ive suspected that my loan balance has been misrepresented by Ocwen Loan Servicing ( OLS ) based on payments that Ive made for the life of the loan. I admit that I have run into financial difficulties for more than a 1 years, and was unable to pay my mortgage due to an unexpected out of state job relocation.
Once things began to finally stabilize financially for me and I was able to secure a renter for my home in late XX/XX/XXXX, I began to review old OLS, accounting records for my loan. It was at that point that I realized that my account summary carried vary flagrant discrepancies within the charges themselves. These illustrated duplicate charges in some cases within the same day, for the same service and appear to be compounded in comparison to whats perceived as normal industry standards associated with foreclosure.
Even at first glance the account summary identifies significant over charging and overall egregious fees and costs associated with foreclosure expenses which are passed on to me and my family to pay. The account is riddled with unwarranted inspection fees and property valuation expense as well as multiple foreclosure junk fees.
On XX/XX/XXXX, I requested payment history from OLS, for the life of the loan and only received a partial accounting summary which only reflected payments and adjustments based on OLS, accounting ledgers and systems, as far as I can tell, from the time the allegedly acquired servicing rights.
OLS, loaded inaccurate and incomplete information into XXXX ( XXXX ) and serviced loans using this information. OLS, relies on an inferior accounting system known as XXXX, this accounting system is dependent upon ensuring the loan data it is using to service loans is complete and accurate, OLS, seeks to complete this loan verification process within 60 days of boarding the loan onto XXXX. Since XX/XX/XXXX, however OLS, has not completed this process within 60 days. Instead, it has relied on unverified loan information for months and often for more than a year to service hundreds of thousands of loans. Due to this backlog, OLS also delayed verifying the 1.7 million XXXX XXXX loans it previously acquired in XX/XX/XXXX, and which it moved from XXXX XXXX servicing platform and boarded onto XX/XX/XXXX, on a rolling basis beginning in early XX/XX/XXXX. OLS, did not even begin the verification process for the XXXX XXXX loans until XX/XX/XXXX ; at that time, OLS, was servicing more than 1. Million unverified loans. Violations to Real Estate Settlement Procedures Act ( RESPA ) As of XX/XX/XXXX, in addition to boarding loans with inaccurate loan information, OLS also boarded loans that contained payment history data that it had reason to believe was inaccurate or incomplete. OLS, for example, boarded incomplete or incorrect payment histories onto XXXX, such as payment histories that include misapplied payments and transactions that occurred before the loan was even originated.
I have requested on multiple occasions for OLS, to accurately explain the inconsistencies of my loan fees and payment application history for the life of the loan, to no avail, which are violations of the Fair Debt Collection Practices Act ( FDCPA ) OLS, is now attempting to foreclose on my home without explaining any accounting request that have been requested on my behalf over the years leading up to the foreclosure sale date set for XX/XX/XXXX.
OLS, is also refusing to review my loan for modification assistance although I have means financially to afford my mortgage.
Also, in XX/XX/XXXX I paid a reinstatement amount of {$17000.00}, XX/XX/XXXX, however this money appears to not have been reflected as applied against my unpaid principle balance. These constant accounting errors and misapplication of payments has created an inaccurate balance of my outstanding loan and does not indicate an accurate reflection of what is actually owed. I would like to also add that there was never any end of year tax statement generated to me from OLS, and as a result I failed to be able to receive my tax credits and or benefits for this particular year of XX/XX/XXXX. For this reason I feel that negligence on the part of OLS, has further damaged my financial unrest and the overall financial health.
*Accounting Issues : XX/XX/XXXX-- $ XXXXProperty inspection fee XX/XX/XXXX -- $ XXXXProperty inspection fee x ( 10 ) XX/XX/XXXX -- {$400.00} -- Property Valuation Expense XX/XX/XXXX -- {$230.00} -- Property Valuation Expense ( 3 ) XX/XX/XXXX -- {$400.00} -- Property Valuation Expense ( 4 ) XX/XX/XXXX-- Range from {$1.00} to {$15.00} -- Property inspection fee ( 6 ) XX/XX/XXXXthru XX/XX/XXXX -- Tons of fees racked up from ( FC Thru Complaints and FC Thru Judgments ) ( Repeat of {$920.00} thru {$200.00} ) At one point {$920.00}, {$200.00}, {$350.00} and the amount of {$510.00} charged to the account on both XX/XX/XXXXand again less than 1 month onXX/XX/XXXX ) Title reports for {$310.00} charged to account XX/XX/XXXX6 and XX/XX/XXXXless than 1 month apart XX/XX/XXXX -- {$85.00} -- Property Valuation Expense XX/XX/XXXX -- {$100.00} -- Property Valuation Expense
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| 01/06/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Violation of the Federal Trade Commission Act ( FTC Act ) section 5 resulting from deceptive practices due to misleading information contained in several loan documents that were issued to me during mortgage closing proceedings.
After independent study of the Federal Trade Commission Act section 5 which defines Deceptive Practices as the following : An act or practice is deceptive where a representation, omission, or practice misleads or is likely to mislead the consumer ; a consumers interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and the misleading representation, omission, or practice is material Review of the 3 attached documents, which consist of : Adjustable Rate Rider ARM Disclosure Interest Only Addendum My question here is If the document title truly reflects what is in the contents of the document itself why would the amortization period be referenced at all if the title implies the " Interest Only Payment period ''?
The Title or Heading of each of the aforementioned documents specifically make reference to the " Interest Only '' period of the mortgage which is a 60 month period ( 5 years ), however the actual terms contained within each refer to the Interest Only period AND leads into the amortization period, which essentially means the life of the mortgage, this is significant as it set a fixed rate of the mortgage for an interest rate of 7.875 % ( the initial rate ) and any downturn in the LIBOR which would decrease the variable rate resulting in lower monthly payment amounts would NOT be recognized. So the Title|Heading of the documents are quite misleading and therefore considered deceptive and should be defined as a violation of FTC section 5.
For these reasons mentioned I am submitting these details for review by the CFPB with the intention to correct all wrongdoing.
Closing Date : XX/XX/XXXX Loan Amount : {$290000.00} Summary of actions taken : In XX/XX/XXXX, I applied for mortgage refinance with originator Option One Mortgage. Please note the following changes as it pertains to Option One Mortgage : On XX/XX/XXXX Ocwen acquired and became successor in interest to Homeward Residential, the successor of Mortgage originator Option One Mortgage. As a result of this acquisition Ocwen Financial Corporation is a successor XXXX and is liable for the illegal practices alleged in this complaint.
The application for mortgage refinance submitted was approved under the representation of what was described by the mortgage originator and understood by me as a typical Adjustable Rate Mortgage ( ARM ) product. This emphasis of an ARM was conveyed through a summary document presented. During the mortgage closing procedure, details were revealed that the ARM product being offered contains features that would base the interest rate on the XXXX Market Interbank Offered Rates ( LIBOR ) with the primary focus placed on this particular disclosure in addition to a 5-Year, fixed rate, Interest Only period with pre-payment penalties up to two years after origination. These product features were not discussed nor mentioned prior to the actual closing appointment. With the understanding of key terms as presented by representatives at closing, I concurrently performed a best case review attempt of ALL documentation prior to placing signatures on any items considering the expeditious fashion in which the closing was conducted and the wealth of information contained in the loan package. Beyond the 5-year, fixed rate, Interest Only period and in the years following the start of the current amortization period, I became extremely concerned that although a tremendous downturn was experienced in the LIBOR index due to mortgage market adversity, the interest rate on the ARM was never adjusted to reflect those changes in any way when this should have been the case based on market performance as indicated in various rates tables. The Product disclosure document specifically states that the interest rate will be based on the aforementioned index. A copy of the Adjustable Rate Mortgage Loan Disclosure is attached. I was able to contend through careful and independent examination of loan documents, specifically the ARM product disclosure, that deceptive practices were evident by the mortgage lender providing misleading information and through inadequate disclosure of the actual loan terms and conditions as well as leveraging contradictory language contained in several loan documents. Due to the complex nature of the misleading documents presented and the length of time transpired which the LIBOR index data was made clear, the harm resulting from these deceptive practices of the mortgage company was fully recognized by me in recent years.
To resolve this I sought redress through a personal lawsuit filed in Federal Court charging the mortgage company with FTC Act section 5 violation but the case was dismissed due to no private right of action. As the government agency that is equipped with enforcement to address such violations I am submitting this complaint to the CFPB to investigate further.
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage company has been reporting my mortgage loan as past due to all major credit reporting agencies in error for the past eighteen months from XX/XX/XXXX, through the current date. I have made numerous attempts to get them to correct this issue, but the company refuses to do so. They continue to believe that they are reporting accurately. I have requested the company provide evidence that would validate why they believe that my loan is past due, but they can not produce any information that would support their reason for doing so. I have forwarded the proof that I have to the mortgage company to show evidence that they are reporting my loan in error, and they still refuse to correct this issue. This issue has totally ruined my credit history and has taken a toll on my health. This mortgage company is a lender who has been suspected of violating residential lending laws and consumer protection rules. The company has been sued by a mortgage holder for inflating property inspection fees for defaulted loans, and this is what they are doing to me as well. They have also been opposed by a group of attorneys general for charging excessive and unnecessary fees for online and phone payments. This company has assessed a {$1400.00} fee to my loan due to me being persistent in getting this issue resolved, which is totally unfair to me for being concerned about my mortgage. PHH Mortgage Services has mishandled my loan and breached their duty to maintain my loan in an accurate manner.
My mortgage is one of my greatest assets, and I take pride in my home. I am so disgusted with my mortgage company for refusing to resolve this issue that has caused me a great deal of intentional emotional distress. I hired an attorney to resolve this issue, but he seems to be giving me false hope.
My co-owner filed for XXXX XXXX bankruptcy on XX/XX/XXXX. At that time, Ocwen Loan Servicing was the lender for my mortgage loan. After the bankruptcy was filed, Ocwen Loan Servicing stopped recording due dates on my loan, which is the start of what has caused issues on my loan. Ocwen Loan Servicing knew that my loan was in the process of being transferred to a new lender, which is now PHH Mortgage Service. My loan was transferred to PHH Mortgage Service on XX/XX/XXXX, ( Exhibit 1 ) while still in an active bankruptcy. Upon acquiring my loan, PHH never reviewed my loan for accuracy and assumed my loan as it was. My loan with PHH was to begin on XX/XX/XXXX, but PHH documented that my loan was due for XX/XX/XXXX, which was inaccurate. I have enclosed my bank statement to show that the XX/XX/XXXX, payment was paid to the previous lender, Ocwen Loan Servicing, and my first payment due XX/XX/XXXX, was paid to PHH. ( Exhibit 2 ) PHH Mortgage Service would not correct any errors while the loan was in an active bankruptcy. When it was time for my XX/XX/XXXX, payment, PHH once again documented that my loan was due for XX/XX/XXXX, which is the start of a two-month error. My loan has been processed in error from XX/XX/XXXX, through the current date, due to a due date error that was overlooked and never corrected when PHH first acquired my loan from Ocwen Loan Servicing on XX/XX/XXXX. The bankruptcy was paid in full in XX/XX/XXXX, and discharged on XX/XX/XXXX. ( Exhibit XXXX ) After the bankruptcy was XXXX on XX/XX/XXXX, PHH immediately started reporting my loan as past due. ( Exhibit 4 ) I mailed a certified letter to PHH concerning this issue, but the issue was not resolved. I received a response letter from PHH stating that my loan was due for XX/XX/XXXX, which is incorrect. ( Exhibit 5 ) Due to the two-month due date error in XX/XX/XXXX, the loan was in bankruptcy and was never corrected, which is the reason why my loan is in default. ( Exhibit 6 ) However, {$550.00} was in a suspense account where PHH took the liberty to apply {$180.00} from the suspense account balance and applied it to the principle to secure a payment for the XX/XX/XXXX, payment. I also submitted a payment in the amount of {$630.00} for the XX/XX/XXXX, payment, making two payments being applied to the loan for the month of XX/XX/XXXX. ( Exhibit 7 ) As of today, PHH is still reporting my loan as 30-days past due, which is still incorrect. If the XX/XX/XXXX due date errors are corrected, my loan should reflect a current status. I have enclosed a payment history to show that all payments were made. ( Exhibit 8 ) I also forwarded this information to PHH Mortgage Service, but they refuse to accept accountability for their error, which is keeping my loan in a past due status with PHH and all national credit reporting agencies.
I am in great need of assistance, and I pray that you can assist me in this matter. I have enclosed the evidence that I have to prove that PHH Mortgage Service has reported my loan inaccurately to all major credit agencies. Anything you can do to assist me will be greatly appreciated.
Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX Owners : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, TX XXXX XXXX Loan # XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX XXXX XXXX
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| 11/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello, I am sending this in hope of receiving assistance with issues we are having with our mortgage servicer, OCWEN. We have attempted to work with OCWEN to request a loan modification due to a financial hardship that we experienced due to an injury I sustained and my subsequent XXXX.
In our attempts, OCWEN has been prejudiced in assisting us by fabricating information and completing erroneous calculations in an attempt to deny our modification request. OCWEN was made aware of my XXXX and stated my XXXX earnings are not a source of income. They allege our situation was a deterrent for satisfying their expectations ; although we have provided them with overwhelming information that we meet the qualifications to qualify for a modification based on our financial information. They have treated us differently and did not consider our application under the same practices as they would to an individual without a XXXX.
We initiated communication to OCWEN to start the loan modification process and explained my XXXX. Once they were made aware that my XXXX earnings were not employment earnings they were prejudicial in the handling of our request. In fact, we had received no information from them for assistance until they did the following : 1 ) sent us notification that OCWEN had filed for foreclosure on our property, prior to any dialogue that this was their intent or to provide any assistance to work through an amicable resolution ; 2 ) sent us notification that OCWEN had received our full financial package to evaluate our account for a loan modification. However, their claim that they had a full financial package was a false statement ; because when we sent the package to OCWEN we had omitted financial numbers regarding income from the documents. This was done because we had a scheduled telephone appointment on XX/XX/2018 to provide the financial information in detail. However, it became apparent that the reason their response was made on false representation was so that they could expedite a denial of our request for a loan modification ; 3 ) OCWENs letter dated XX/XX/2018, denying our modification due to NPV, which was done without financial information and the denial was issued 3 days prior to our telephone appointment ; and 4 ) OCWENs letter dated XX/XX/2018, advising us that our account was going into default and was inquiring about providing assistance. This letter was sent more than a month after OCWEN petitioned for foreclosure and 5 days after already denying us a loan modification.
OCWENs indifference to our situation has been made very apparent from representatives because of my XXXX. Our financials strongly support approval of a loan modification, including substantiation that 25 % of our income towards a mortgage payment makes our payment very affordable. We can make our mortgage payment and are looking for a resolution to get our account current.
We have been in our home for 20 years. This is where we have raised our children. We are established in the community through church, friends and family. Our home is structured to accommodate my XXXX, which is a necessity to function with everyday life tasks.
I am at a loss on where to turn to for assistance. We do not have the financial means to obtain an attorney and OCWEN is fabricating information to foreclose on our home. I have several documents supporting their unfair practices and how we have been treated since they learned of my XXXX.
Based on information we reviewed on your website about assistance, we are hoping that you would be able to assist. Or, if you would be able to provide resources that could be supportive in our situation.
My XXXX is due to a horrendous accident that left me incapacitated for several months ; severely to the point where I was hospitalized and unable to care for myself. This injury and subsequent recovery process has been devastating to our family. We want to keep our home and we can afford it. Going into foreclosure because I was XXXX and faced with a temporary financial hardship should be considered.
OCWEN states that it is their priority to assist customers to remain in their homes. Some sort of modification is a reasonable accommodation to assist with a resolution for a homeowner who 1 ) although has suffered a XXXX and suffered a financial hardship, can afford to keep their home 2 ) would suffer more adversity in having to relocate in the midst of recovery due to a XXXX, and 3 ) would have to find the means to recreate adaptions to living arrangements to accommodate a XXXX.
OCWEN has not demonstrated any good faith efforts to resolve this and, in fact, has provided conflicting and contradictory information related to our account which can only be construed as unethical. We were never provided an opportunity to resolve the situation prior to OCWENs petition to foreclose. A reassessment to help us stay in our home would also exemplify OCWENs mission to help homeowners. Taking our home, even when we have the ability and willingness to keep it, is a cruel and heartless act, especially when done for profit.
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| 01/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We had originally filed a complaint with the CFPB Complaint ID XXXX, and PHH Mortgage provided a response. However, their response provided erroneous and aberrant information that can be disputed by 1 ) chronological & documented evidence and 2 ) more importantly, by reviewing and listening to recorded conversations between myself and the company.
Specifically, after reviewing PHH Mortgages response to the CFPB, I would respectfully ask that this company be investigated for providing false responses in an attempt to conceal corrupt conduct that is dishonest and should be considered unlawful when it comes to the handling of our request for mortgage assistance.
1. PHH Mortgage states that they sent a letter on XX/XX/XXXX, requesting missing documents. No letter was received. The first documented intervention letter from PHH was sent on XX/XX/XXXX, more than 30 days after our initial request for XX/XX/XXXX and XX/XX/XXXX mortgage assistance. This letter requested that we complete a mortgage assistance package, which was completed in full with all documentation requested, and submitted timely.
2. We made several attempts to work with PHH in XX/XX/XXXX and XX/XX/XXXX ; however, we were consistently informed that there were requesting additional information which had originally been sent numerous times via email and fax, and we had confirmation of those documents being sent timely. Furthermore, after speaking with representatives on the phone, sometimes we were told they Only need a recent paycheck stub. It was never about a missing document ; they were actually requesting additional documents each and every time they asked for an updated check stub to show year-to-date income. AT NO TIME DID THEY EVER ASK FOR ANYTHING ELSE. In fact, in all the times we were asked to submit documents, they were submitted timely.
3. When we realized that PHH Mortgage was circumventing the timeliness of our request for mortgage assistance, we attempted to make our loan payment only to have our payments refused causing us to fall more than 90 days behind.
XXXX. In XX/XX/XXXX, we were again denied mortgage assistance based on an incorrect NPV value, because they were using a drive-by valuation of {$840000.00}, stating that they did not have a record of our certified appraisal ever being received. This number was an over-inflated price that can not be supported by any website, such as XXXX or XXXX, and was only used to impede and stall the request for mortgage assistance.
5. We continued to try and work with PHH, including providing a certified property appraisal, which was submitted on three different occasions. With each submission, PHH Mortgage told us a ) it had not been received, b ) it was missing pages, or c ) they admitted failure to open the document to review the appraisal in its entirety. It was because of item c that we were then instructed to complete another mortgage assistance package so our request could again be reviewed, this time in its entirety.
6. In XX/XX/XXXX, we were advised to resend the appraisal, and after speaking with a PHH Relationship Manager, he concurred that it had been received and based on the certified appraisal our request for assistance would be provided. He also requested that we submit another application package, which was submitted within 24 hours, in full. This made it the third time that we had completed the same documentation in their so-called mortgage assistance package.
7. PHH now states that we were more than 90 days delinquent but that was not through any fault of our own. Each and every delay was induced by PHH Mortgage, thus it was their failure to address our request in good faith and timely which caused us to fall further and further behind.
8. PHH Mortgage states that a hybrid value was used using online data resources and that no property inspection was completed. However, we have submitted several times a property inspection using a State certified appraiser and, yet they continue to deny having such a document on record.
9. PHH Mortgage states that a consumer has the option to speak with an assigned Relationship Manager and, if not available, there is the opportunity to speak with another trained Relationship Manager. However, that is not a true statement. If their calls are recorded, then they should listen to the recordings where a ) we were put on hold - sometimes for over an hour - only to be told no Relationship Manager was available, and our only option was to write a letter because there was no one else to speak to or b ) schedule a telephone call with a Relationship Manager, which should be noted would be more than 30 days out.
The responses provided by PHH Mortgage are untrue, inaccurate, and a breach of a consumers right to be treated fair and equitably. As a homeowner, I am at a complete loss as to the misrepresentations and dishonesties they are exhibiting in their reply. The paper trail, phone conversations, and fax and email confirmations dispute their response and their handling should be investigated as illicit conduct of a financial institution.
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| 09/08/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Due ro Covid 19 we lost income and in XX/XX/XXXX requested a forbearance on our OCWEN mortgage. We were granted the forbearance and were told that we had to undergo a mortgage modification. Or we would have to pay, in full, the months that our loan was in forbearance. Due to the hardship this was not possible so we had to comply with a loan modification.
In XX/XX/XXXX, during the modification process we were asked to complete, sign and have notarized multiple documents. We complied immediately and paid to have the documents overnighted back to OCWEN. Several weeks later OCWEN contacted us via telephone and said our modification paperwork was notarized incorrectly and that all of the paperwork needed to be redone and that the notary had to print our names separately and completely. For example, the notary printed our names as XXXX and XXXX Doe. OCWEN said in order for our paperwork to be correct the notary needed to be print our names as XXXX XXXX and XXXX XXXX. We completed this paperwork and had it notarized again per their new specifications.
On the same exact day the new paperwork was received by OCWEN they denied the loan modification due to our paperwork being initially incorrect. We called OCWEN and tried to speak with someone who could help us and who would see that the additional paperwork they requested had been received before the cut off date. We were told that we had to make an appointment with a Specialist to discuss any options we might have other than foreclosure. We requested an appointment and were told it would be in three weeks time and that there was no one else we could talk to.
During the time we tried to make payments on our mortgage but were told that because the modification was denied they would not accept payments and if we did pay it would not go toward any of the forbearance amount nor would it reflect as a payment in their system. We were told this repeatedly over XXXX XXXX.
In XX/XX/XXXX we finally were able to speak with a Mortgage Specialist. Our Specialist could not answer why our modification was denied even though we complied every request within the time limit. She said our only option was to appeal the denial, which we did.
In XX/XX/XXXX our appeal was granted and we were told that the Loan Modification process could proceed and that we could begin to make monthly mortgage payments starting on XX/XX/XXXX. At this time they increased the mortgage payments by {$200.00} and said that this was due to rising interest rates.
We have made our payments for XXXX, XXXX, XXXX.
On XX/XX/XXXX OCWEN requested that proof of a XXXX Satisfaction be sent to them in order to complete the loan modification. On XX/XX/XXXX we emailed the lien satisfaction paperwork. Our Mortgage Specialist contacted us via telephone on XX/XX/XXXX and said the Modification Department would not accept the proof of Lien Satisfaction and that they would now need the lien expunged from our record. On XX/XX/XXXX we contacted the State of SC and requested that the satisfied Lien be expunged. On XX/XX/XXXX I received an email from the State of SC saying the record had been expunged and we would be receiving a formal letter stating as much.
On XX/XX/XXXX we sent the expungement information and a copy of the email from the stare to OCWEN. this same day we were approached by a woman outside of our home, she was taking photos of our home and said that the mortgage company sent her. I immediately called OCWEN and were told that as of XX/XX/XXXX our home was under a notice of foreclosure. We have not received any such notice and we were complying with a new request for documentation. We were unable to speak with a Mortgage Specialist and were told that the next available appointment to talk with anyone that could help us work be on XX/XX/XXXX. We then asked to speak to a supervisor to see if we could find out why the Loan Modification Department asked for additional documentation and filed a notice of foreclosure on the same day. This is exactly what the Loan Modification Department did in XX/XX/XXXX. They denied their Modification the same day they received the new paperwork they requested and now they are denying the modification on the same day they requested new documentation. We have complied and completed every request in a timely manner and it does not matter.
Additional, on XX/XX/XXXX we were able to speak with a supervisor at OCWEN. He apologized for the lack of communication and agreed that everything we had been asked to do was done. He then asked us if we wanted a forbearance due to our continued COVID-19 hardship. We were not even aware of this option was available as we were told by OCWEN that the hardship forbearance we received from XXXX XXXX XXXX was the limit. The supervisor we spoke with said that the forbearance would stop the foreclosure process and would buy us some time to try and figure out exactly what the Modification Department had done. Again, we asked to speak directly with the Mortgage Specialist assigned to us but were told that her next appointment was not until mid XXXX.
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| 06/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ocwen Loan Servicing is trying to force us into foreclosure. They have been giving us the round around for months and not only do they not follow through with the process they ask us to follow they then make us restart it over again instead of just taking our money. We missed one payment in XX/XX/XXXX and were locked out of the online payment system so we called in and the nightmare began. We have been cooperative and tried to resolve this matter ever since. They continue to put us through an endless repetitive loop that has no resolution. Then we get a letter from a lawyers office stating we are in foreclosure. We have left two messages with that company to dispute the debt but have yet to hear a response. THIS IS DISGUSTING practice and will not be tolerated. Our credit has been affected. This must be fixed and all late charges must be removed. We have always intended on keeping our home and have made that very clear. The lies that have been told to us are completely unethical. Ocwen should be put out of business. Following is an example of the " loop '' we've been stuck on.
I called in to make our payment and get caught up in XX/XX/XXXX if I am remembering correctly. Ocwen said we had to pay through XXXX XXXX or XXXX XXXX or through bank transfer. They said they had to mail us some paperwork and the information to pay through those ways would be included as well as the total amount to pay. I asked if they could provide that over the phone and they said they would mail it. I waited the two or so weeks they said it may take and I never got it. ( I have, however, received useless and numerous " payoff quotes '' in the mail and through email over the next few months. We never said we were paying off our loan and closing our mortgage. ) I called back in to find out why we had not received the paperwork with the amount to pay and how to pay it ( before the date that it was supposed to be paid ) and they said that it hadn't worked on their end and that I needed to provide them all of the info all over again. Never did my relationship manager alert me to this nor did anyone else. This happened several times. They kept saying all was ok and that this would be resolved. In reality, they were just pushing the payments to be more and more past due to get up to the foreclosure status so that they could take our home. INSANE!!!!!!!!!!!!!!!!! The last couple of weeks it got even weirder. I again had an appointment with my relationship manager who told me to send in documents. Before hanging up I set an additional appointment with him to assure he had received everything he requested a few days later. During that next appointment phone call he assured me that everything had been received and that the underwriters were currently reviewing everything. We set up another appointment for the following Tuesday and he assured me during this appointment he would have an answer for me and we would be moving forward. When I answered the phone he spends a long time lying to me and backtracking. He claimed he never told me he had all the appropriate documents and never said the underwriters had what they needed. In fact, I actually was going to have to start the process all over again and provide him with all the of the information AGAIN. Just writing this infuriates me. We have done nothing but try to follow their procedures and be compliant. After looking at the CFPB website and seeing that Ocwen has more than a million complaints we are definitely not surprised. " Helping homeowners is what we do '' is the worst motto possible for this company. I feel that stressing our homeowners and stealing their homes is much more accurate. We would have changed companies years ago ( as we have had multiple problems with them lying and trying to sneak in charges. The list can go on and on ) had we not had such a low-interest rate. We don't even care now. We would happily change and pay a higher interest rate just to get away from this incredibly unethical corrupt company. But before we can do that we must complete this battle, make them fix our credit report and remove all of the late charges and fees that they have been charging us instead of accepting our money months ago! I am sure I am forgetting to document some critical points here and will add them on as I look through additional notes from over the phone appointments with this horrific company.
We have been in constant contact with Ocwen and have been given multiple amounts to pay to move forward. Every time we have tried to pay them they have said they can not accept the money and we need to provide them with information all over again. I feel foolish for believing them for the first few months and allowing them to do this to our family. Now, whenever I speak to them I try to be compliant to play along but will no longer sit by while they try to bully us in to taking our home we've been paying on for over 13 years. JUST TAKE OUR MONEY AND REVERSE THESE INSANE CHARGES ETC SO WE CAN HAVE A LEGITIMATE MORTGAGE WITH A REPUTABLE COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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| 03/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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While the world is topsy turvy due to the Coronavirus pandemic, I have reached out to PHH Mortgage about solutions to help homeowners during this time. While other mortgage companies are pausing mortgage payments and offering forbearance to customers during this difficult time, PHH 's solution to their customers is to offer customers an opportunity to pause their payments for three months, those payments will become due in XXXX, along with the XXXX monthly payment.
I feel this is irresponsible on the part of PHH and actually outs the homeowner in even more difficult circumstances, which will put homeowners like me on the path to foreclosure. I am XXXX-XXXX XXXX XXXX XXXX and I anticipate that the next three months are going to be brutal for me ( as well as other small businesses like myself ). Having to come up with four mortgage payments by XXXX is not a solution to this crisis that our nation and world is going through. XXXX XXXX XXXX and other mortgage holders have paused mortgage payments and evictions and foreclosures have been halted.
PHH - in its infinite lack of wisdom - is doing a disservice to its customers and should be ashamed of themselves. In the meantime, federal regulators - XXXX XXXX and XXXX XXXX - have encouraged lenders to offer homeowners, who have lost income or their jobs because of the coronavirus outbreak, an opportunity to reduce or suspend their mortgage payments Homeowners who have lost income or their jobs because of the coronavirus outbreak are getting some relief. Depending on their situation, they should be eligible to have their mortgage payments reduced or suspended for up to 12 months.
Federal regulators who cover about half of all home loans in the U.S. those guaranteed by XXXX and XXXX - did so expecting that the entire mortgage industry will quickly adopt a similar policy. Unfortunately, most private mortgage companies have not done so - they have been as slow as recognizing the severity of this pandemic as most of the world has. According to XXXX XXXX ( XX/XX/2020 ), several banks have announced plans, some of bad as PHH 's lack of responsiveness, while others, like XXXX XXXX XXXX are suspending mortgage payments during this time.
Lenders COVID-19 plans Here 's a rundown of how various mortgage lenders are taking action : XXXX XXXX : Representatives from the bank said help is available for XXXX mortgage customers who have been affected by the virus. The company advised that borrowers reach out as soon as possible to discuss forbearance options. Customers can seek help by visiting its website for additional help, the bank said.
XXXX XXXX : The bank said it is providing assistance, including fee waivers, payment deferrals and other expanded assistance for credit card, auto, mortgage, small business and personal lending customers. If you need assistance, customers can call XXXX to speak with a specialist to discuss options available for their consumer lending.
The bank has a number of existing options available to help mortgage customers address short- or longer-term financial changes that may impact their ability to keep up with their monthly mortgage payments. They said they need to talk with customers directly to understand their circumstances and identify the best way to help them.
XXXX XXXX XXXX : Borrowers can request deferring their mortgage payments, with payments added to the end of the loan. The bank has also paused foreclosure sales, evictions and repossessions. Clients facing financial hardships related to the virus are encouraged to visit the companys Client Resources website and contact the client services team for assistance.
XXXX XXXX XXXX : The lender is offering the following programs for our consumer and business customers facing financial hardship related to the virus. They have a mortgage and home equity program where they are offering a 90-day payment forbearance with no late fees. To participate in the programs, customers will need to contact XXXX XXXX.
XXXX XXXX : Existing mortgage customers will be allowed to defer payment for up to 120 days. No late fees will be charged ; interest will accrue. Contact XXXX XXXX XXXX Customer Care at XXXX.
XXXX XXXX : The bank is working with personal and small business banking customers on a case-by-case basis to provide solutions due to any pay issues, childcare disruptions or those facing illness from the virus. The support includes up to a six-month payment deferral for mortgages.
XXXX : This regional bank, which serves customers in New Jersey and the metro areas around XXXX and XXXX XXXX XXXX, will defer some loan payments for a variety of businesses and individuals. Restaurants that have to shut down in the wake of the coronavirus outbreak can defer their payments, both principal and interest, for 90 days. They could also seek additional financing of up to {$200000.00}.
Please consider this a formal complaint against PHH Mortgage and its practices in the face of this difficult time.
XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX
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| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is demand to stop the illegal foreclosure sale date of XXXX XXXX in violation of the California Bill of Rights Act XXXX specifically Dual Tracking and the Federal Governments Making Home Affordable Program.
In early XXXX XXXX, I applied to Ocwen Loan Servicing LLC, the mortgage servicer at the time, for mortgage relief thru a loan modification to save home. I submitted a full and complete loan modification package to Ocwen Loan Servicing LLC for review.
On or about XXXX XXXX, Ocwen Loan Servicing LLC thru its foreclosure trustee law firm, XXXX XXXX, XXXX, kept the foreclosure process going while I was engaged in other foreclosure alternative processes. Owcen Loan Servicing, LLC ignored my request to stop and cancel the foreclosure. This is a violation of HBOR.
The loan modification review lasted a few weeks but Ocwen Loan Servicing, LLC, ultimately denied for an unjustified reason. Ocwen Loan Servicing LLC failed to definitely provide a justifiable reason under the HAMP program or internal program.
On or about late XXXX of XXXX, Ocwen Loan Servicing, LLC denied my loan modification request.
As a result, the only option they offered was the Short Sale as the Foreclosure Alternative. So I accepted it not knowing if the Ocwen Loan Servicing LLC, denial was justified under the HAMP/ MHA or HBOR XXXX
I exercised my right to Short Sale under the Foreclosure Alternatives and the mortgage servicer Ocwen Loan Servicing LLC Approved my request for the Short Sale Option under the Governments Home Affordable Foreclosure Alternatives Program on or about XXXX, XXXX. I have attached a copy of the request package and Offer we are engaged in.
( Short Sale Program Servicer Responsibilities ) On or about XXXX XXXX, Ocwen XXXX XXXX, XXXX received and began processing a purchase offer from a Buyer named XXXX XXXX XXXX XXXX. I have attached a copy of the fully executed offer package.
On or about XXXX XXXX, XXXX, Ocwen Loan Servicing, LLC thru its foreclosure trustee law firm, XXXX XXXX, XXXX, file a Notice of Trustee Sale against the property while I was fully engaged in a Short Sale review with Ocwen Loan Servicing, LLC. This is a violation of HBOR and HAFA.
There were several calls made to Ocwen Loan Servicing, LLC and the foreclosure trustee to request more time and to postpone the sale which were all denied by both parties.
The legal issues at hand, 1 ) Ocwen XXXX servicing as a mortgage servicer illegally started the foreclosure process by filing a Notice of Default while engaged in a loan modification review and then illegally filed a Notice of Trustee Sale while engaged in a short sales in direct violation of HBOR and HAFA. Ocwen Loan Servicing as a mortgage servicer never once stopped the foreclosure process in accordance to California law and the rules of engagement under HAMP and HAFA.
This foreclosure sale is ILLEGAL and in violation of HBOR Law with respect to Dual Tracking since Ocwen Loan Servicing, LLC thru its Foreclosure XXXX XXXX XXXX, XXXX wrongfully persisted with the foreclosure process while Ocwen Loan Servicing, LLC was directly engaged with me for the short sale review and continued all the way thru XXXX XXXX, XXXX. The most recent update regarding our short sale review was for an increased offer amount from the original {$240000.00} to be raised to {$250000.00} which was also provided. While working directly with Ocwens relationship manager XXXX XXXX and underwriter XXXX ID # XXXX, they had me calling back every 48-72 hours to receive a status update on were they stood in the short sale review process. The last conversation with the underwriter was that he will postpone the sale date so that we can receive the short sale approval and close the transaction shortly after, which was never carried out. Ocwen Loan Servicing, LLC led me to believe that through their communication that a postponement was going to be granted and the foreclosure process would be canceled so we can close the short sale successfully.
This is a clearly an illegal act and the very essence of the meaning of dual tracking under the HBOR. Therefore, it is imperative that both Ocwen Loan Servicing, LLC and XXXX XXXX, XXXX postpone or STOP the wrongful foreclosure sale pending for XXXX XXXX, XXXX.
The short sale transaction remains opened with escrow is a current short sale in escrow that is pending however Ocwen Loan Servicing, LLC and Trustee have not allowed it to close for an unjustified reason.
Your office MUST STOP THIS ILLEGAL FORECLOSURE SALE and allow me the right to complete the foreclosure alternative I have already been engage in, which is a short sale. If not, this is a wrongful and illegal foreclosure for which I will pursue legal remedies in the Superior Court of California against ALL parties involved including but not limited to Real Estate Brokers and Agents who have violated of my rights under the standing laws and mortgage relief programs known as HAMP and HAFA.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX
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| 02/11/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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My mother, who passed away in XXXX of XXXX, had a reverse serviced by PHH Mortgage. I sold the property in XX/XX/XXXX and paid off the loan.
In XX/XX/XXXX I received 2 checks ( totaling {$590.00} ) from PHH Mortgage payable to my mother 's estate. Apparently there was a miscalculation on their part when the mortgage was paid off when I sold the property ( which was handled by my attorney ).
As I had consulted with my attorney, and had not expected another thing to come back in her name, I had closed her trust bank account. So, there was nowhere to deposit these checks.
As I am the beneficiary of the property which has been sold, as well trustee, I contacted PHH regarding reissuing the checks in my name so that they could be deposited.
On XX/XX/XXXX, I spoke with XXXX at PHH who said reissuing the checks would not be a problem, and asked me to email a copy of the checks as well as the Trustee document, which I did promptly.
On XX/XX/XXXX when I had not received or heard anything, I called again and spoke with XXXX who asked me to again email the documents. I did. Promptly.
On XX/XX/XXXX I called again and spoke with XXXX who said she could see on her computer that I HAD submitted the proper documents and that she was going to forward to a higher-up and that that person would call me.
On XX/XX/XXXX when I had STILL not received the check, nor received a phone call from anyone, I called AGAIN and, went through everything with XXXX who put me on holdand the line went dead. Called back, spoke to XXXX XXXX and yes, had to go through the whole thing again ) who told me it could take up to 30 days to reissue a check and I should check back in a couple weeks if I had not received it by then.
On XX/XX/XXXX when I had STILL not received anything, I called AGAIN and spoke to XXXX who told me she would send an email to somebody to see what was going on and told me to call back Friday. I said I was tired of people telling me that they were going to " send an email to somebody to see what was going on '' and then NOTHING happening. I requested to speak to somebody higher up and was told that was not possible. She said shed have a supervisor call me back in XXXX hours.
On XX/XX/XXXX, ( XXXX days later ) after not hearing back from anybody, I called AGAIN and spoke to XXXX who unbelievably said, Im going to send an email to somebody to see what is going on. I repeated how that just wasnt cutting it and I REALLY wanted to talk to somebody higher up. She said she was filing a complaint with corporate on my behalf and making another urgent request for a supervisor to call me. Of course, no one ever did.
On XX/XX/XXXX " XXXX '' left me a voice mail to call her because she had an update for me. I called and got XXXX. I asked for XXXX as I was returning her call. I was put on hold then I was told that she was unavailable however, that she told him to tell me that I needed to submit copies of the checks and the trustee document (!!!!!! ).
I told him that I HAD already done that twice, in fact -- and been advised on one of the other many phones calls that they were indeed in the system. He said that HE could see that they were indeed there and he didnt understand why this was taking so long. He put me on hold for a bit, came back and told me that he had talked to somebody and that they were putting the check in the mail as a rush by Friday ( it was then Wednesday ). He also told me that there would be an additional check for {$350.00} - for my troubles having to wait. ( really? ) I was going out of town the following day, and when I returned on XX/XX/XXXX, still, disappointingly, nothing in the mail from PHH.
On XX/XX/XXXX and XXXX, XXXX I once again called PHH my XXXX & XXXX call regarding this matter! only to receive this message : Due to unforeseen technical issues, we can not connect you with a customer service representative.
On XX/XX/XXXX, I decided to call one more time and spoke to somebody named XXXX. I asked to speak to XXXX from last time so I didnt have to explain this AGAIN and was told that that was not possible to let me talk to anybody else. He of course, had to go through the entire thing AGAIN. And unbelievably asked me if Id sent copies of the checks and my Trustee document. I told him I had and that I had been told TWICE that they were in the system. He told me - and get this - that he was going to send an email to somebody to see what was going on ( is this a script they give to their call representatives?? ) and then he told me to call back in 2 days.
I simply hung up because obviously, I was still just getting the runaround. I wrote and sent them an email ( the same as what I have detailed here ), attached the copies of the checks and the trustee document ( again ), and informed them that I was going to file a complaint if I didnt hear from somebody within a day. I think nearly 3 months and 10 phone calls is enough.
I am filing this complaint because, of course, I have heard from no one at PHH or otherwise.
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| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am filing this CFPB complaint, my 3rd in the past 2 weeks, documenting an ongoing set of issues regarding my current offer of a Mortgage Modification from OCWEN. My contact within the Office of the Consumer Ombudsman has responded to my last complaints by providing a second extension to my deadline to execute the current Mortgage Modification offer, as long as two conditions are met : 1 ) that I return a signed copy of the document by XX/XX/XXXX, 2 ) that I make my payment in the approximate amount of {$2500.00} by when it 's due in XX/XX/XXXX as I always have in the past.
On the first condition, OCWEN is currently preparing answers to my questions that I anticipate I will receive in sufficient time to make an informed decision before the deadline for my signature. I certainly hope so.
On the second condition, however, fulfilling it has proven much more difficult. Up through my XX/XX/XXXX payment, all of my trial period payments have been made on an automated basis which I set up with my Bank. When I check on the XX/XX/XXXX however to make certain that the payment had gone out, I discovered that it had not. Upon contacting my Bank directly, I learned that were unable to tell me why the payment had not been delivered, and indeed, whether it might still go out without any warning before it did.
Despite this professional shortcoming on my Bank 's part, however, I did the only responsible thing I could to ensure that the payment was made on time, which was to go to the bill pay section of OCWEN 's website and attempt to follow through on the instructions to make my {$2500.00} payment on time in XX/XX/XXXX on my own. This was despite the fact that by doing so I could have made a duplicate payment in the end, money which OCWEN would not have refunded me and which would have overdrawn my only checking account.
When I did however, I encountered more evidence of OCWEN 's tendency to issue two or more sets of contradictory instructions to its customers, confusing them and putting them at risk. Logging into the OCWEN website, on the first page ( see screenshot ) it tells me that my " Next Payment Amount Due '' is {$0.00}, which any reasonable person would interpret as meaning that their account was current and no payment was due. Because it made no sense that it also said my next payment was due in XX/XX/XXXX, however, and more broadly their patterns of customer mistreatment, I knew to take nothing at face value, so I pressed on to " Make a Payment ''.
After making the necessary selections to authorize a payment however, I was then blocked in carrying it out by OCWEN 's own system, the error message explaining : " Sorry. Right now we ca n't take a Standard Single E-Payment because the account is 10 or more business days overdue. But, you can choose the Rush Single E-Payment option from the Payments Page. You can also make a payment by phone. '' ( screenshot ) I then of course attempted to track down " Rush Single E-Payment '', looking through multiple screens, but finding it was nowhere to be found, no such option existed. Again, two sets of contradictory instructions, creating confusion. In looking for it however, I did discover another error message stating, " IMPORTANT Because your account is past due, we can only accept a payment ( s ) for the full reinstatement amount. Click here for a Reinstatement Quote ''. Once you go through this process you then learn that effectively OCWEN is claiming that I owe {$7100.00} and will need to pay this amount in order to make any payment at all.
Except this is not a way forward even if I had all this extra cash laying around, given that 1 ) it is only IF all four of my payments in the amount of {$2500.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) are ignored that I would actually owe this absurd and erroneous amount, 2 ) even if I did pay it, OCWEN would not count it against the {$2500.00} I actually owe for my XX/XX/XXXX payment, but rather against this other {$7100.00} amount as though my Mortgage Modification offer had never existed.
Calling OCWEN, which I also did on XX/XX/XXXX, yielded the same result by phone, that there was no amount in payment they would accept that was less than {$7100.00}. At this point it occurred to me that it was likely not my Bank at all that had failed in the making of my payment, but rather that OCWEN had likely blocked the original automated payment as well, with the same excuse and twisted logic. I could only thus assume that the same would hold if I were to send OCWEN a check as well. At this point I had exhausted my options to actually make a payment, so I both called and emailed XXXX XXXX on XX/XX/XXXX as well, complaining to him directly that his own company was keeping me from fulfilling his instructions. While he had all day Friday XX/XX/XXXX to respond and nearly all of today Monday the XX/XX/XXXX as well, I have heard nothing from XXXX XXXX about this situation, nor has any resolution been provided by any other part of the Company as well.
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| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am struggling to pay my mortgage as I have a permanent Hardship. I know that with a lowered mortgage payment I will be able to make all of my payments on time. PHH refuses to review me for a modification and keeps misplacing all the documents I send in that reps have confirmed have been received.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - PHH rep called in, said that they need -name and social security for co-borrower -Pay stub for 30 days XXXX Spoke with supervisor and he miraculously found documents he said were missing but said he now needs to review XXXX pay stubs. Asked why the documents I had sent in the past couple of months were not in review. He was unable to give an answer and reiterated how the missing documents were explained to us on the last call. I told him to pull the call and tell me at which point the missing documents were communicated. Said he can't do that but in the notes his reps said they told me. I asked for a supervisor, he said he will try and have one call me but no guarantee. XXXX ID # UCRNS.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to f/u on review. Rep ( XXXX XXXX stated as of the XXXX there is not a complete packet. Let her know we already resent docs & called back on both the XXXX & XXXX. She said the packet is still under review and it is not marked as " completed '' so the formal review ( 30 days ) has not even started yet. She said we should receive a letter if the packet is marked completed or if additional docs are needed. Rep could not tell me how long this will take or why we were previously told it was formally under review for a modification. She said a relationship manager should be calling us Friday between XXXX. Could not tell me what phone number and would not let me provide a back up number.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to confirm docs were received. Received XX/XX/XXXX and is under review. Review will take 30 days. There is an appointment scheduled for XX/XX/XXXX to speak with us but they have our old phone # on file. Rep was unable to update the phone number.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to f/u on XXXX, rep said that they still need most recent pay stub and bank statements with gross ytd. Re-sent XXXX pay stub and Bank statement XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - submitted to underwriting, will let us know if there are any missing docs XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to f/u on XXXX, rep said that they are missing docs, let her know we already sent in those missing documents and want to make sure they are in review, transferred to supervisor. Supervisor said that she will send a message to underwriting to make sure that the documents were in review. Asked if I could speak with loss mitigation or someone who is in charge of this file, rep said her had are tied and there is no one I can speak with. Said she will try and have a POC call me back.
XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called PHH, rep stated the packet was received on XXXX XXXX. No additional updates at this time the docs are still being reviewed.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Sent PHH XXXX to XXXX XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called PHH, Rep stated the XXXX was review, but was missing information. Hardship letter needs to be signed and dated. Financial form needs to be filled out. Borrowers info form is not complete. Requested letter with missing info be sent via email. Will receive it no later than Monday.
XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called PHH, spoke with rep who could not find our auth. Transferred me to manager, call disconnected. Called back, another rep could not find our auth so again asked to be transferred. Manager ( XXXX XXXX could still not find our auth, he was incredibly rude, put me on hold for over 45 minutes. No records found for an authorization from our company. Placed me on hold again. I hung up.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to confirm XXXX was received, rep said that it was received, said they still need to be reviewed. Will f/u in a few days.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called to give financials, rep took income and expenses over the phone, then said she will send out the XXXX packet to my email w/in 4 business days. Said the financial interview is just to see if they are in need of a mod.
XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called PHH to confirm FB is removed, rep said that FB has been removed. Asked if account is available for Mod, said they would do a financial interview over the phone.
XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to remove FB, said client needs to call in and remove FB XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called PHH to confirm when FB ends, rep said FB ends on XX/XX/XXXX Rep said to submit for a loan modification, fax it to XXXX XXXX said the review takes about 7-10 business days XX/XX/XXXX, XXXX PM- Called PHH, rep XXXX to verify if initial docs were on file. She was so confused as to what I was asking, I requested to speak with a manageXXXX & was hung up on.
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| 03/10/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I submitted this complaint for a wrongful eviction of a renter from a foreclosed house, first in XX/XX/XXXX. XXXX XXXX responded " It's not us it's OCWEN ''. Our deposition showed differently. On XX/XX/XXXX I submitted a new complaint. You don't have a box for illegal renter evictions ( but you should. ) It looks like XXXX XXXX routed it to XXXX XXXX XXXX, who XXXX XXXX responded I did not have " standing '' to bring the complaint. Well ... their name was on the caption of the illegal eviction proceeding, and so was mine. So, I most certainly do have standing.
They also gave the complaint to their attorneys to answer - XXXX XXXX XXXX, who are the ones who tried for 4 years to illegally evict me-then dismissed their case when I caught them with fake documents essentially stealing the loan and house. I suggested the attorney investigating my complaint needs to go back to law school to learn about standing. " XXXX XXXX v XXXX '' most certainly does give me standing, and I am living in a house with their name on ( half ) the title.
It is XXXX XXXX 's name on the eviction cases. They were directed at me. So yes, I do have standing to bring this complaint. Under XXXX XXXX XXXX XXXX XXXX XXXX, v. XXXX XXXX XXXX et al. ( App Div No. XXXX, Super. Ct. No. XXXX ) & XXXX XXXX XXXX XXXX XXXX XXXXXXXX, v. XXXX XXXX et al. ( App Div No. XXXX ) the renter prevailed in the bank having to prove they followed the foreclosure law. So there certainly is standing for a renter to question a Bank 's illegal foreclosure.
Meanwhile the issue here is you and your agents tried to ILLEGALLY EVICT MY FAMILY, in violation of both Federal and CA State PTFA law and I most certainly do have the standing and the right to file a complaint and receive an adequate response that is not a shell game on this issue.
Here it is, again.
Property : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease.
Under both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XX/XX/XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction.
I subsequently hired a Geologist, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a " Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired.
Knowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XX/XX/XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX 's only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a hundred thousand dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments.
XXXX XXXX presented their " Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XX/XX/XXXX for failing to honor PTFA law, XXXX XXXX responded it was " not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX 's name on their ( now dismissed ) eviction lawsuit against me.
Meanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their XXXX testified that is the " Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX 's job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX is just thumbing their nose at the law.
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| 06/22/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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On XX/XX/XXXX we closed a sub-prime, non-fixed mortgage with XXXX. XXXX XXXX purchased the note and mortgage as the saying goes before the ink was dry, on XX/XX/XXXX. This team created many pooling agreements, for which the lenders were sanctioned heavily. There are many more happenings between then and now, to make a long story short we will not opine. But we can point to every bit of the way if questions are asked.
1. XXXX shortened our home by 400 sq.ft. on the main level in the appraisal, that resulted in a sub-prime loan instead of the conventional loan. Come to find out XXXX was only looking for sub-prime loans. We were duped as they stated they dealt in conventional loans. Again, we were misled to believe we did not have the equity needed for a good loan, we had good credit, we were solicited and told they were the best lenders they even had a set of best practices that no other lender adopts. Come to find out XXXX 's former name XXXX XXXX was sanctioned with those " best practices '' under the XXXX presidency. The XXXX presidency honored XXXX as XXXX was his number one contributor.
2. The Truth in Lending Act. This Act was promulgated to offset the shenanigans mentioned above. A necessary or mandatory element to defeating the Act is and was soldiers or lawyers continually setting precedent effectually knocking the under pinning out the Act. This can not be better shown or exposed, as the Supreme Court decision in XXXX XXXX XXXX. XXXX completely exposes bad precedent for many years. The unanimous Court clearly states that the Act has some how been misinterpreted. That Congresses intent is unquestionably clear. There is no need to clarify or amend, it is clear!
XXXX. We argued XXXX XXXX. XXXX No. XXXX, the very same precedent that XXXX corrects. The XXXX Court got it wrong and ruled against us and then added a bunch of costs and fees on top of it to further insult and harm us. Our attorneys simply asked us to suck it up and take like a man or woman. Realistically we were told ignorance of the law is no excuse. But we got it right. We were nondisclosed the appraisal at closing, when we did get the appraisal it was after the 3 or 7 day rescind period that put us in the 3 year rescind exception, we refused to make payments until the appraisal was renegotiated or prepayment penalty excused in a letter to the lender. The pretender lender XXXX refused to admit that the appraisal was missing 400 sq. ft. at approximately {$100.00} a sq.ft. equaling {$40000.00}. in equity plus more inaccuracies like stating our home was in a urban area when it is in a rural area.
4. The lender has been trying to get a sheriff sale. We have been fighting. The last time the lender tried to get the finial ok from the lower Court which would put a end to our rescission defense or plaintiff claim in adversary court over rescission. The lower Court found that the lender had SCHOCKED the conscience of the Court. But the lender found more precedent that does not fit by law or fact to achieve the sheriffs sale on XX/XX/XXXX. The lender convinced the bankruptcy Court that abandonment is the precedent to seek the sheriff sale. Yet in 16 years the lender never has mowed the lawn or plowed the driveway or heated the home that we built so pipes would not freeze or fixed anything.
We are parties of interest. We absolutely have a valid TILA claim of rescission. The trustee somehow has closed its eyes that the lender should be liable to return to the estate what would be due to us when the lender is forced to abide by law under the TILA rescission statute. An appeal that has been filed by us, and we have submitted our brief. Now the lender pleas to the appeal Court for time to file its response brief, or discretion to allow the lender to escape the precedent that would be made because the law and facts are with us. The adversary Court got it wrong and the damage has not been done. The Judges even if they are good appointees should realize that the Constitution is paramount. We have been wronged and can be corrected. That correction is that by following congress 's intent and the Supreme Courts command in XXXX, we have abided by the procedure set out in Reg Z and the TILA. The reasoning is we are interested parties and plaintiffs in a valid Adversary claim of property. The lender has convinced the Bankruptcy Court and appeal Court to remove the stay that protects us. To allow this lifting of the stay will quash our right to legally prove that we legally rescinded.
By not lifting the stay it would quash any legal claim the lender has. And correctly put the lender in a position to honor the legal rescission that still is. But the sheriffs sale will by law end our search for justice. Irreparable harm will be inflicted if the sheriffs sale is allowed.
The lender has admitted to pretty much every wrong that it has been accused of, and yet the Courts seem to treat the lender as if they have clean hands.
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| 05/26/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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OCWEN has handled out account unethically and has not responded to our many request to resolve issues on our account. OCWEN agents are incompetent and give us different answers depending on what department answers our calls. Some of the departments are outsourced to XXXX . There are several issue that need to be resolved : 1 ) Loan Modification that never put our mortgage account current. 2 ) Mortgage Interest : We are paying more in mortgage interest a year even though we have a smaller balance. We paid {$18000.00} in interest i n XX/XX/XXXX a nd {$21000.00} in XX/XX/XXXX . More of our payment is going to interest than to principal each year. 2 ) Escrow Account that continues to increase substantially more than our property tax has increased. 3 ) Mortgage payment that was not applied to loan ; instead in a suspense account as unapplied funds. In addition, OCWEN made payment reversals on account without an explanation. 1 ) LOAN MODIFICATION : We filed bankruptcy and with the assistance of the VA Department wo rked out a modification arrangement with OCWEN.On XX/XX/XXXX we received a letter from OCWEN congratulating us on the loan modification stating ou r 1st payment would be due XX/XX/XXXX in the amount of {$2900.00} and a voluntary amount of {$310.00} for items not allowed on the loan amount. On XX/XX/XXXX w e received a letter from OCWEN Home Retention Department stating that we longer needed personalized assistance with our account ; the loan modification had gone through. We kept our part of the agreement paid the voluntary amount of {$310.00} as per modification agreement ; however, out account was never made current as per the modification agreement. Mortgage Statements from XX/XX/XXXX show ed our loan was not up to date even though it had been modifi ed in XX/XX/XXXX and we kept our agreement paying the voluntary {$310.00} and made the 3 c onsecutive payments in that amount. We had questioned OCWEN handling of the Modification ; however, were never given a definite answer on why the account was never made current. When we asked them why we continued to get letters from Mortgage Assistance Resources and putting our account up to date ; there answer was those were standard letters sent to us because we had filed bankruptcy and the system automatically mailed them out. OCWEN also stopped sending us mortgage statements for a few months ; when we called we were told it was because we had filed bankruptcy and they could not mail us a mortgage statement billing us. Each time we called we were automatically transferred to OCWENs Bankruptcy Department even though our account had been modified and our bankruptcy was discharged. 2 ) Mortgage Interest : We are paying more in interest every year even though the balance of the home loan is lower. OCWEN is applying more of our payment to interest instead of principal of the balance. In XX/XX/XXXX 3 ) ES CROW ACCOUNT : OCWENs Annual Escrow Account Disclosure Statements analysis do not equal the Property tax increase. Our escrow payment has consistently gone up, even though our hazard insurance went down and the property taxes has increased on average no more than {$200.00} a year ; the most it has increased is {$370.00} ( XX/XX/XXXX tax year ). XX/XX/XXXX Esc row : Our Mortgage payment went from {$3000.00} to {$3000.00} even though our property tax increased only {$370.00} that year the payment went up to {$990.00} a year with an increase in the mortgage payment of {$83.00} a month. XX/XX/XXXX Escrow : Our payment went from {$3000.00} to XXXX even though our property tax has not increased the additional {$500.00} OCWEN is charging us per year. 3 ) UNAPPLIED FUNDS/SUSPENSE on Account : In XX/XX/XXXX w e paid OCWEN {$36000.00} in mortgage payments ; however, OCWEN only reported on {$33000.00} on XX/XX/XXXX Mortgage Interest Statement. The XX/XX/XXXX was put as a Suspense Payment even though it was a complete payment.
In XX/XX/XXXX we paid OCWEN {$37000.00} in mortgage payments ; however, they only reported {$30000.00} plus escrow on our XX/XX/XXXX Mortgage Interest Statement. When we called to resolve this issue with OCWEN, they simply send us a list of payments with no explanation. They could not explain where the discrepancy in the monies we paid. We are extremely frustrated with OCWEN 's incompetence in handling our account. They have conducted business unethically and have yet to resolve the many issues on our account. We have also contacted VA department to support us in resolving these problems with OCWEN and contacted our Congress representative with help to resolve these constant problems. At this time, we are going to research taking legal action against OCWEN to finally resolve the many issues we are having.
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| 05/10/2021 |
Yes |
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- Trouble during payment process
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Web |
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The mortgage company Forged documents in my Foreclosure Proceedings. The backdated assignements to a closed trust. They did not follow the guidelines of the National Mortgage Settlement act and over an option prior to foreclosure or have an interview prior to foreclosing. The Mortgage company never purchased the loan from the prior lender because the prior lender was out of business when they said they purchased the loan. The assignments of mortgages are not attached to the orginal mortgage. PHH/Ocwen sold and FHA loan without it going onto the Market which is in violation of HUD and sold the home as a non arms lenghts transaction. XXXX XXXX had a court order in which it told OCwen and PHH to stop using their name when foreclosing because it was fraud, however in my case PHH/OCwen continued this practice because would not allow OCwen to foreclose so they created PHH which is owned by OCwen and then acted as if XXXX XXXX was the lender -- when XXXX XXXX was never the lender. Owen created a fake assignment in XXXX and backdated it to XXXX to make it seem like XXXX XXXX owned the loan.
This is the XXXX that I submitted to PHH/Ocwen and XXXX XXXX and they have not replied XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email XXXX XXXX : XXXX XXXX # XXXX FHA Case # XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX XXXX XXXX To Whom It May Concern In my title there are many discrepancies, like how can may loan be assigned to XXXX XXXX XXXXXXXX XXXX XXXX XXXX when the trust closed in XXXX.
Because of that, I would like to have proof of all accounting records, including ledger statements and pooling agreements to show that XXXX XXXX actually purchased my loan. Please verify the IRS Tax Receipt showing the selling of my loan to XXXX XXXX in XXXX.
Please provide proof of payment to show that XXXX XXXX purchased both the mortgage and note. Need Dates Purchased and the amounts Purchased.
How can a defaulted loan be assigned to a XXXX which is in violation of IRS Code and The Trust agreement? In XXXX this loan which was in default was assigned as a XXXX and placed into the XXXX closed Trust which violates XXXX Laws. Please provide proof that this loan was transferred, assigned, or sold to the XXXX. If it was not, please state that it was not transferred, assigned or sold in XXXX to the XXXX.
When did you sell or assign the loan to Ocwen? Please provide all authority or sales information.
PHH sold this home after the home went to foreclosure in the name of XXXX XXXX in XX/XX/XXXX. Please provide proof that funds were forwarded to XXXX XXXX from PHH.
Please provide your chain a title, and explain how this loan which was in default could be assigned in XXXX to a trust that was closed in XXXX. And if the loan was in default how you were able to circumvent and assign the loan to the Trust when the trust clearly states no defaulted loans could be assigned to the trust? The trust closed XX/XX/XXXX.
Please advise why there are unattached stamps and undated stamps on assignments on blank sheets of people when all assignments must be attached to the original?
Please explain how PHH was able to sell an FHA mortgage after a foreclosure without the home being listed on the market which means it was a non-arm 's length transaction.
Please advise how PHH/Ocwen was able to Foreclosure in the name of XXXXXXXX XXXX when XXXX XXXX ordered PHH/Ocwen to stop using their name in Foreclosure proceedings. As of XX/XX/XXXX, Ocwen could no longer assign FROM Ocwen to another entity without first providing aa Assignment TO Ocwen. Please provide the assignment from Ocwen to Ocwen.
Please explain these title issues A. The first Assignment does not appear to contain appropriate recording information for New Jersey. Mortgage in this Assignment is dated XX/XX/XXXX. It assigns to XXXX on XX/XX/XXXX, and is recorded on XX/XX/XXXX ( XXXX Pg. XXXX ) The original Mortgage was recorded on XX/XX/XXXX at XXXX at XXXX XXXX " XXXX ''. XXXX This is different than the info on the Mortgage itself, as it is dated XXXX ) B. The second Assignment, allegedly executed on XX/XX/XXXX, not allegedly notarized until XX/XX/XXXX, and not recorded until XX/XX/XXXX XXXX XXXX pg. XXXX ). Lists the original mortgage date as XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX in XXXX. The mortgage in this Assignment is dated " XX/XX/XXXX '' ...? If XXXX XXXX signed on XX/XX/XXXX, how did he come to appear before the notary on XX/XX/XXXX? Nothing in the record shows he did?
C. Please provide Proof that my debt was listed in the Chapter XXXX BK and how the courts viewed the debt and what become of the debt due to the BK. On XX/XX/XXXX, XXXX XXXX XXXXe XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX collectively, the Debtors ) filed under Chapter XXXX. { Cite as : XXXX XXXX XXXX XXXX XXXXXXXX XXXX } -- Thank you XXXX XXXX
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| 12/06/2019 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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This complaint is due to the negative effects on my credit rating of PHH Mortgage showing my XX/XX/XXXX payment as late. The payment was only late because PHH failed to correct their system in a timely manner.
I am a XXXX veteran with a XXXX XXXX XXXX XXXX living in XXXX XXXX Illinois. Although the rating was effective in XX/XX/XXXX, it was not formalized by VA until XX/XX/XXXX. I received a letter from VA XX/XX/XXXX, showing the new rating and effective date. That same day, I received a letter from the XXXX County Assessors office showing that I was no longer responsible for property taxes.
My escrow payment with PHH was solely for property taxes I pay my insurance separately.
I called PHH customer service and was told XX/XX/XXXX to fax a copy of the tax exempt status letter, which I did, and for which I have receipt confirmation.
On XX/XX/XXXX, I called PHHs tax professional line and spoke with agent XXXX. I was told PHH had the letter and it was in process. Unfortunately, according to the agent, the process would take until XX/XX/XXXX, so I needed to pay the escrow for the XX/XX/XXXX payment, but it would be refunded. I did so.
I called XX/XX/XXXX, and spoke with agent XXXX in the tax department. She told me she was requesting escrow removal and it would take five days. Apparently it hadnt been in process after all.
On XX/XX/XXXX, I spoke with agent XXXX. Despite the fact she is in PHHs tax professional phone queue, she obviously knows nothing about American taxes. She insisted that PHH had already paid my XXXX taxes in XXXX and XXXX. When I tried to explain that, in fact, PHH had paid my XXXX taxes and that I was calling about the XXXX taxes which would be paid in XXXX, she repeated that the XXXX taxes were already paid.
I asked for a supervisor after being on hold, I was told the supervisor was not available.
Since this was totally unacceptable, I demanded to speak to a supervisor, even if it wasnt her direct supervisor. XXXX came on the line and told me that there was nothing he could do as the processing was done by another office and NOW SHOWED A DUE DATE OF XX/XX/XXXX!
I told XXXX I would not pay escrow for the XXXX payment, but would gladly make the principle and interest payment on time. Unfortunately, PHHs online payment function does not allow me to change the payment amount, and I refused to allow them to continue to draw the escrow payments from my bank account, as they had already proven themselves either incompetent or thieves.
To add insult to injury, they then notified me they couldnt remove the escrow payment because the payment was past due!!
After telling me the correction would be made XX/XX/XXXX ( which would have given me time to make the payment within the 30 day window ), I received email from PHH on XX/XX/XXXX asking for a copy of the tax exempt status letter which I had sent them in XXXX, and which they acknowledged having multiple times after. I immediately re-sent the letter.
Through many contacts by phone and email through XXXX, I continued to re-iterate I would pay the principal and interest if they would allow it. Not only did they not make the changes, their site was down completely from XX/XX/XXXX through XX/XX/XXXX, making it impossible to make the payment before the XXXX day, even if I was willing to pay the escrow. They had changed their website and the old website address did not work. They made no effort to notify me of this new portal address until I questioned them why I couldnt reach my account online.
Throughout this process, I repeatedly told them I wanted to make the payment, but their system and lack of correction was preventing it.
Finally, on XX/XX/XXXX, they notified me by email that they had removed the escrow from my payment, but that it might take time for the correction to be made on the web site.
The account was updated online in a couple of days, and I made the XXXX payment XXXX. Their system would not allow me to make the XXXX payment until they processed the XXXX payment. I made the XXXX payment XXXX. I made the XXXX payment on time.
Last but not least, I found it very telling that when I was working with the XXXX County Assessors office, they asked me which mortgage company I had. Their reaction when I said PHH? Oh, man, they are so hard to work with we hear from vets all the time what a hard time they give you. A small county tax office staff knows how difficult PHH is to work with. Think about how XXXX that is.
PHHs action in reporting me as late has caused my credit rating with XXXX and XXXX to fall by more than 60 points each. I consider their actions as consumer fraud, as they purposely did not take timely actions as requested, and repeatedly stated the corrections would be made when they were not made.
I have copies of all emails and correspondence as well as notes from every call which I will provide as needed.
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| 12/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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Complaint against PHH Mortgage : Failure to perform due diligence ; negligent in addressing urgent correction of their records and lien release ; and several promises of return contact, which were never actually returned : Mortgage was attained in XX/XX/XXXX and paid in full on XX/XX/XXXX ( 20 years prior ).
Now selling the property and Title Report on XX/XX/XXXX revealed the mortgage lien had never been release / reconveyed. 9 phone calls, 2 faxes and 3 emails since discovery of the failure of PHH to record the loan payoff and reconvey / remove the lien.
Here is summary of my attempts, with no progress attempting to get PHH to complete the lien release : PHH Mortgage CASE # : XXXX. ( Which they finally gave me on XX/XX/XXXX- on my 4th call to their escalation management division ).
Call to XXXX XX/XX/XXXX as loan originally arranged through XXXX. They no longer work with PHH - need to call PHH directly.
XX/XX/XXXX : PHH XXXX, employee ID of XXXX. Told me that I would have to send by mail or fax to Lien Release Dept. No email option. Fax would not transmit # XXXX.
PHH XXXX with employee ID XXXX. Confirmed that nothing she could do - need send request to Research Department and gave me same fax #. Finally was able to get fax to transmit ( have success pages. Told give 10 days and if no response could call escalation department.
Told them at this time that time was of essence - closing mid XXXX and the lien not being reconvened was just discovered by Title Co search. I asked several times to speak to manager as did not have 10 days to wait on response. They refused to elevate the issue to someone with capacity to help resolve it.
Faxed, with confirmed successful send on XX/XX/XXXX at XXXX MST ; Never received any response. Attempted to have customer service check if fax received - would not connect me with their research department. Told me I just had to wait.
XX/XX/XXXX attempted another Fax to same # with the Urgency all over the title. Again would not transmit.
XX/XX/XXXX. XXXX ( CO ) initiated XXXX calls : XXXX. ID XXXX eventually agreed to transfer me to the escalation managers : XXXX XXXX, escalation manager. Told me to resend everything I had ( the original Deed, Note, etc.. that I had already sent by fax ) to him by email to their department, attention to him & that would reply in nor more than 2 days -- XXXX. Sent at XXXX MST as directed. No response.
XXXX : Sent email to above XXXX again at XXXX MST. No response that even received.
So telephoned again : XXXX - eventually again transferred to " escalation department '' ; XXXX. XXXX after explaining again cant assist with NV property.
So transferred to XXXX. XXXX she assured me she would confirm receipt of the additional items she now also wanted sent ( was not told before to send Title report with all my documents supporting the loan had been paid in full ). Sent as instructed to XXXX ; Did get auto-generated ( canned ) email reply that my email was received. She had promised a call back reassuring me she received the materials. No call back.
XXXX : XXXX Called via the customer service line again XXXX cant be reached.
Now XXXX, XXXX in the " escalation management '' department on the phone. States she discussed with XXXX and XXXX would give me call back after out of her meeting. Never called.
[ Discussed with title company at this point what my options are given PHH Mortgage refusal to process the lien release in time to meet the sale closing requested advice on possible attorney and if they would just withhold funds. & We Will be contacting an attorney on Monday.
So called again XX/XX/XXXX ; XXXX - XXXX ; again through their general " customer service '' line as they provide no way to reach escalation managers directly. Nor can one speak with the manager they spoke with on prior call. So again transferred to SOMEONE ELSE in the escalation management department. " XXXX '' employee ID XXXX - I will help, we will make this priority " oh, actually not authorized to deal with property in NV '' .. then XXXX , employee ID XXXX and got hung up on. Then XXXX, with employe ID of XXXX, who finally provided ( maybe? ) Direct line to reach him and the Case # But says will take 5 days. We no longer have 5 days, because everyone else had not responded / called back, etc. So he promises a call back Mon afternoon but would not promise the lien Release done in time for sale closing.
[ If they had just started this process when I 1st called on XX/XX/XXXX, rather than block my efforts to speak to escalation management, given the short time available, and if they had not refused at that time to transfer to a manager, there would have had plenty of time to complete this lien release. Instead, all they have done for 15 days is delay tactics and fail to accomplish anything. ], and now will miss our sale closing, and we will likely lose the sale.
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| 03/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX RE : Property : XXXX XXXX XXXX, XXXX, XXXX XXXX Borrowers : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Servicer : PHH Mortgage I have been turned down for a loan modification that started on XX/XX/XXXX. When all this started I had the ability to make two payments at a time to bring the account up to date. I asked about PHH 's Repayment Plan : Which reads, An agreement that allows you to repay delinquent payments over an agreed number of installments or time from. PHH would not allow me this opportunity. I have emailed out four different request for information and had countless conversations with PHH employees. This has been the most painful process I have ever endured. They request more information, I send it immediately. I hear nothing for an avereage of two weeks. I get another phone call. Mr. XXXX we need one more piece of information from you. I immediately sent the information. Two weeks later, again. Mr. XXXX we need you to verify a {$610.00} income you have. I infomed the employee it is on my taxes {$610.00}. Yes but we need you to explain in writing this to us. I do as said and sent a signed letter. Two weeks later, I get another call. Mr. XXXX we need to know what the {$400.00} from XXXX XXXX XXXX XXXX XXXX is. I explained to the employee this is the bi-weekly rent payment on the house. I explained that in my second email to you with the bank statement you asked for from the start. The house is paying for itself. Just like the information you requested about the {$610.00}. Its in there as income. Why do you need to know where it came from? Therfore my predicament is this.
Since XX/XX/XXXX PHH has prolonged the process until now my renters got a foreclosure letter delivered to the XXXX XXXX XXXX XXXX, Va. Address. They subseqently left and now my ability to make two paymnets is impossible. PHH was unwilling to work with me in the way that I could afford. I was just getting out of bankruptcy. My case was completed on XX/XX/XXXX. The Trustee Mr. XXXX XXXX did not sign the discharge until XX/XX/XXXX. I personally didnt receive my hard copy until XX/XX/XXXX, which is three days before I started negotiations with PHH. I shoud not be punished because I could not speak with PHH during my bankruptcy, because that is the law. As I did with OCWEN, when I never missed a paymeny I did not ignore my responsibility as I tried repeatedly to sign up for auto draft in XXXX and XX/XX/XXXX. Both times I was told it was glitch in crossover of the two companies. I finally asked for a supervisor the third time. It was then I was informed PHH will not take auto drafts from people in bankruptcy. I said then tell me what I owe and what I am behind, and I will make up for it in, checks. Their answer was, we cant talk to anyone in bankruptcy. I informed the employee. This account is not a part of the bankruptcy. I left you all out of the bankruptcy. They said they still cant tell me. They did say you can go ahead and send checks. Now, would you feel comfortable with sending a check to an entity which does not allow auto draft and cant give me any specifics about my loan, and has a history like PHH? My point to be taken is : Please refer to " Additional Legal Disclosures '' Provided by PHH. OCWEN/PHH were not included in my bankruptcy I continued my house payments to OCWEN with auto draft. The last sentence under Notice Regarding Bankruptcy : States if the account is in active Chapter XXXX, XXXX, or XXXX bankruptcy case and an Order for relief from the Automatic Stay not been issued, the account holders should continue to make payments in accordance with the plan. I attempted on three occasions the make payments in accordance with the plan. PHH Customer Service informed me, because I was in bankruptcy I could not use auto draft. My understanding is the account was not under bankruptcy. Therefore I should have had access to auto draft and requested information for payments in accordance and information to my account. If I would have had access to my account records I would not be in this terrible mess.
No bank would give me the initial {$10000.00} credit they asked for in XXXX. Once my bankruptcy discharged was received I tried to get a loan. After my bankruptcy was discharged two banks, XXXX XXXX XXXX XXXX and XXXX XXXX re-entered remaining money to the three credit bureaus after my discharge date of said bankruptcy agreement. This put my credit below 620. I am can send the letters and the same information I sent the banks and sent XXXX, XXXX, and XXXX. The point of this letter is to show just how much PHH has not worked with me, how much they dont care if I keep the home or not. Everything I sent to PHH I am can send. I am looking for the reason why my loan modification would take so long, and be denied?
Signed Sincerely, XXXX XXXX XXXX XX/XX/XXXX
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| 01/18/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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the company is Ocwer, GMAC and XXXX XXXX, took a home equity out XX/XX/XXXXin XX/XX/XXXX ocwen threatened to foreclose, since then it has been XXXX all paymnets I was and am sending they sent back to my bank! they reproted things such as fire insurance to transfer to them to pay although I was paying fine, they even told the insurance company XXXX XXXX to send correspondences to XXXX XXXX my name and gave them a fax number which was thiers, I have number on file, I never knew about this till yesterday : note all of the upcoming comments and complaint, PleaseComplaint to the consumer financial Protection bureau. XXXX XXXX, Gmac, Ocwen : Defect of title, payments never being accepted all returned, unusual length of time to mediate there by causing irreparable loss of time, frustration and upset to the borrowers who as well are old and only have this income to sustain their lives in order to live, both parties XXXX and XXXX XXXX are in failing health, XXXX, XXXX and XXXX problems by XXXX XXXX age XXXX, XXXX XXXX is XXXX and just suffered a XXXX XXXX in XX/XX/XXXX.
The start of the problems go back to XX/XX/XXXX and we have been in a minimum 16 month mediation and modification approval disapproval and then just weeks ago in one of the mediation conferences we learn that now ocwen has changed counsel causing another very upsetting delay! The XXXX have been asked to go for modification numerous time and of late turned down 3 times for approval. The costs of alleged payments by ocwen as to property taxes and insurance on the property in question has alledgedly been paid by them to the town and to XXXX XXXX, and charges of interest lawyers fees etc running the costs up another {$10000.00} to the all ready {$47000.00}. They state is due! Plus atty s fees for their attorney as well as the costs for the mediator, which it is now we are learning will be added to costs due by the XXXX, who are having a hard enough time trying to get by and pay the property taxes and town sewer! Note all te time a {$200.00} amount was taken out of the grays account to pay ocwen, but ocwen has sent all those payments back even if they were accepting them it would have at least been that much less that would have been due, I personally believe it is another tactic ocwen uses to cause more of a hardship upon the borrowers. We had even sent off a settlement figure to settle, with borrowing every dime to pay it all off for {$45000.00} within 120 days, but today XX/XX/XXXX the new counsel for ocwen, and ocwen person XXXX said no that is not acceptable and that he wanted mediation to stop and just foreclose as soon as possible that is his end goal! I have owned and worked this property since XX/XX/XXXX, it is my retirement which now is threatening that, because of the actions of ocwen! Needless to say the damage caused to our credit rating due to ocwen reporting : This has been going on since XX/XX/XXXX and has caused a great deal of harm to my credit, thereby making it that much harder to borrow money to pay them off when the time came! Copy of what has been happening to those payments since back in XX/XX/XXXX- XX/XX/XXXX to present!
XXXX To XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX Dear XXXX XXXX, We tried to process your payment to XXXX XXXX XXXX for {$200.00} on XX/XX/XXXX, but it was returned to our processing center due to the payee 's refusal to accept the payment. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account.
If you have any questions regarding this return, please work directly with your payee. You may need to update your payee information before scheduling a new payment. If you need assistance updating your payee information in the bill payment system, please contact the bill payment support area of your online banking organization.
Update just spoke with XXXX XXXX my insurance company which carried the insurance on this property, they just told me that Ocwen had contacted them in XX/XX/XXXX as to the insuranc eon this property which I paid for every month on a payment plan about {$96.00} per month. They told XXXX that they were the mortgagor and wanted to pay the insurance from that date on but that all was ok and to fax the papers to XXXX XXXX at XXXX XXXX XXXX? I asked XXXX XXXX for the fax number because I had never received any notice as to this? The fax number is not mine, it is Ocwens fax number. XXXX XXXX thought and told me that I received the copies of this because this is the number they were told to fax to XXXX XXXX. I hsd paid on this for years previously this is insurance fraud as well, I only had a mortgage of {$47000.00} until this all hit the fan in about XX/XX/XXXX-XX/XX/XXXX, and than this new discover today of the take over of a {$130000.00} policy on my property for a home equity loan of only {$47000.00}
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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XXXX XXXX on our mortgage contract was not to include two lots adjacent to property we received a loan on in XXXX. Their attorney assured us at signing that the contract had no other error than the mentioned extra two lots on a page that the closing attorney told us to circle the lots 7 and 8 and put an. X over it and initials by my husband and I. In XXXX, I had XXXX XXXX, furlough days st work and my job position at school was. A budget throuout the district. My husbands company of 13 years sold out to a franchise in which came in and changed the entire company. Everyone had a title change, so the company could legally change everything about the employees pay and job description. The supervisor position had a van, to deliver product in, all expenses paid, gas was a significant amount that was reimbursed, a required cell was covered by the company with the primal owner. Then the new owner have a choice of XXXX per hour from a previous salary of XXXX a week, health insurance, XXXX. I had to quickly add myself and my husband to my work insurance, since I was just diagnosed with XXXX XXXX XXXX. My husbands has had XXXX XXXX XXXX for years st that time. We put our house and our lots up for sale because we could not pay {$1200.00}, plus escrow anymore for the house payment. XXXX was given our mortgage loan even before the first payment was due. We got behind and XXXX did not pay our escrow taxes for the first two years when we were on time. After XXXX would not accept any kind of. Payment arrangement they sent foreclosure papers to us on XX/XX/XXXX. The cover sheet said that the property involved included the two adjacent lots that XXXX XXXX knew we were not going to do the loan back in XXXX if they had to include those two lots. My attorney immediately let XXXX XXXX and XXXX know legally responding that the two lots were not included. A mediation meeting was held in XXXX at attorney XXXX office. XXXX had attorneys show up, XXXX had a problem wit the lawyer they were to send but still they never gave input per phone that day or and day for these last horrific days to clear up our loan that the two lots were not in the loan and we have never been able to get out of litigation because of that. XXXX XXXX never would offer us any help on a modification loan or any help and so they nor XXXX would work with SC Help that we had XXXX XXXX in XXXX, SC do all the processing to get us help, but XXXX and XXXX XXXX would not give any comment back to them or our attorney for an amount they would accept as the price of the house. At that time, SC Helo had {$32000.00} to helo XXXX XXXX since we were struck hard with financial loss, then Ocwen would not give us a modification loan except to be the amount we had in the first place, XXXX dollars, I still have the slips to send in with the payment and Ocwen and HUD want to say we would not accept help! Then we were thrown to XXXX XXXX XXXX XXXX and they demand to change our GHA contract to deficiency loan while our original contract has deficiency waived on it, they would not work with SC Help last year about XX/XX/XXXX, with XXXX XXXX, the give our attorney an amount they would accept for the house. SC Help had {$36000.00} to come off of the price at 2 percent interest rate but XXXX would not respond. XXXX just told my attorney they would give us a XXXX payment and go up to XXXX after a few months?! My husband had XXXX XXXX due to stress after the mediation meeting, then, with him not working and no financial help, we had some property foreclosed on. Then my husband had XXXX XXXX st the time he had a manager job that paid XXXX an hour. He was released from that job and could not work standing for long periods of time. Three years ago his XXXX had gone back to AFIB and had an XXXX procedure that worked. So, he has just completed two years of driving a bus and working as an assistant with special needs kids at a high school. I had my job taken away as a budget cut, but the school had found me a lower paying job in XXXX, and I am still st that high school. The XXXX XXXX XXXX XXXX knows this, all we need was XXXX, XXXX XXXX, still there, can vouch that we were not going to do the loan if they were going to include the two lots 7 and 8. I now have been diagnosed with XXXX, and we have and are still being told we are. Going to lose our house over the last ten years. We have done everything that you are to do to be able to save our home, but instead we are told we can not rent, or buy anything now that our credit and judgements are on us. I couldnt cover the land payment or ever try help from somewhere else, since we were always in litigation over land that was never in the loan, but no one would ever satisfy or justify in writing to clear us up to live life the last eight years. To be able to play and have a little money to do a few things with the grandchildren.
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| 04/19/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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This is a material breach and a personal attack from Ombudsman XXXX XXXX. She has acted in bad faith. She had no intention of mediating this. I blame her, as she represents this behemoth and I trust is behind this " response ''.
PHH Mortgage is seeking to cover-up its wrong-doing by misrepresenting and using deceitful practices that have proven harmful. It's taken me awhile to piece all this together as I'm a struggling XXXX trying to prepare for a tour, observe XXXX, and remain calm and here I am seeking justice and being actively denied and not helped.
As I've stated to XXXX XXXX, at this point PHH Mortgage is liable for ALL damages both to myself and XXXX Bank for whatever debt may or may not exist. Here are the facts, I've closely documented and sent evidence into the law firm of XXXX and XXXX for review. The fact is, PHH Mortgage actively blocked me from my account. That is not only a fact but a violation PHH Mortgage continues to overlook. I had to fight to even gain access to understand the contract and to perform the needed actioned as successor in interest. All this proven.
It was a violation that incurred real damages and by PHH Mortgage admittedly denied me and bungling all this, do they deny? They don't get to walk away XXXX free after ruining peoples lives. And I will have justice.
After denying me while struggling through a pandemic, I fell short and went into default, PHH Mortgage that up until that time actively denied me my rights took money from me, demanded more, destroyed both ( 2 ) cashiers checks, and then demanded more or they would auction my home. Now does that seem fair or reasonable? Deceitful at best, and these actions added undo stress and pressure when I was already struggling with the death of my Mother, covid, and sincerely trying to earn a living to cover my expenses. All this while barring me from my account, as PHH Mortgage still vacillate between its position, the recordings and mail will prove.
After that ordeal, I began getting paperwork reflecting this home as paid off ; I had questions. These questions remained unanswered and I was given the runaround, the record will prove. Due to the breach of contract and PHH Mortgage actively denying me, abandoning its fiduciary role as servicer, the trust broke down, and PHH Mortgage IS liable. I felt, and reasonably so, grew suspicious of this company, and when PHH Mortgage refused to service me and remedy the issue by addressing my valid concerns in a timely matter I stopped paying. What other option was I left? PHH Mortgage refused to cooperate.
I was already violated and denied all help after my Mothers passing, suffered through covid with no options of relief ( well documented ), overcame the unfair practices displayed by this behemoth and now I am clear. I am a victim of this company and should NOT be expected to pay when I was purposefully put in this dangerous situation, denied all help, and expected to just figure it out. A contract exist for a reason, PHH Mortgage doesn't get to change the rules as the go along.
The fact is, the rules are clear and PHH Mortgage is in violation. Where in the land records are any of their claims substantiated? I've paid and looked into it and nowhere do I find PHH Mortgage listed as the legal servicer. They claim they deactivated it because it was delinquent in 2013, but that isn't true, it was a court order through bankruptcy meant to be a relief to my Mother, and there was in fact no reason to deactivate and eliminate MERS if there is still a active balance being collected on. MERS does NOT indicate delinquent-inactive status. So from XXXX where are the records of any of the alleged actions?
XXXX knows the truth here, PHH Mortgage dropped the ball and are liable for all damages. Intentionally handling this in a way so as to put the consumer at a disadvantage. I've already stated everything in my demand letter, as an American I have a right to defend my rights and freedoms, this is MY land and I will die for what is mine. For PHH Mortgage I'm just a number but this is my life that I've been fighting for now years. So I won't go quietly in the night and let these criminals get away with mistreatment, unfair, deceitful and manipulative ways.
PHH Mortgage kept me in the dark and impeded my ability to perform. These actions were intentional and deliberate. In all this, when will PHH Mortgage be held responsible? What responsibility do they hold in all this? PHH Mortgage is liable. If no one will help me, thats fine but I'll get justice if I have to rip it out of the grips of these criminals. What they've done is XXXX and are now trying to penalize the victim after having took their peace of mind, safety, opportunity, lets now throw the victim to th street. Unacceptable I will NOT take any further abuses from PHH Mortgage. They ar on notice.
|
| 08/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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I attempted to make two payments on XXXX XXXX because three were due. I was informed that if I wanted to do that on XXXX XXXX [ the 89th day ]. They would not accept anything but full payment of three payments on XXXX XXXX. At that time, I also learned that, the payment had increased to almost {$1800.00} per month. I am wondering why I am not being credit any principal on this loan even though I have asked several of the mortgagors ' that have bought this loan from each other several times over the years and NO ONE responds with a straight answer. I get a person that states this is your payment and this is what is due with zero explanation. I tend to believe this is the EXACT type of predatory lending that was the cause of the housing bubble in which the HARP Program was designed to rectify. However, under the current HARP regulations, I do not qualify when if I had previously applied years ago, I would have been take up right away and this would have been refinanced. Because I have diligently fought and scrapped to pay this mortgage I am, seemingly now, penalized for not asking for help earlier. However, this is not my fault for the type of loan that was created and I get zero accountability from any financial officer ; in any company that holds this loan. I wonder how the payment can arbitrarily adjust without notification to me. There are two companies that have vest interest in this home. A home mortgage held by Ocwen and a home equity held by XXXX. Both companies have complaints by me but separate in nature. Ocwen has resisted my attempts to work with them by denying me a loan modification and offered me a payment plan that is affordable. I attempted to catch up my loan with Ocwen and they refused to accept finances from me to bring me away from a default status. I wonder how they can refuse to accept payments and deny me the ability to pay my mortgage but continually compound late fees and interest when they refuse to accept payment. Essentially, forcing a situation into an unrecoverable default status. I thought that, that was illegal to continually compound late fees or interest when refusal to accept funds were illegal. It reminds me of banks that try to repeatedly charge a person returned NSF fees for a single occurrence on an insufficiently funded expense. I thought you were only allowed to get hit with one fee per one occurrence, not multiple fees for one occurrence, yet, I am getting charged fees because they refuse to accept my payments. Ocwen told me I could apply for a loan modification so I did. Then a man called me and told me I did n't qualify for the modification. I explicitly asked him if it was a refinance or some other modification to the loan. He did not explain anything for give me any answer to my question. He just stated that I did n't qualify. He did not tell me what I needed to do to qualify or discuss any options. This whole thing seems like a scam to XXXX me out of my home. I would like straight answers and solutions to help me resolve my issues, not DEAD ENDS and a capital gain for them to foreclose on my home and recover the balance of the loan by selling my house under market value, then for the reality industry to pick it up and resell it for a profit. Sounds like a housing bubble racket that should be covered under the RICO act for racketeering. I guess because it is a decade after banks burned citizens it is OK for them to do it now without repercussion because all the smoke is cleared and no real laws have been passed to help people. Maybe laws that I am aware of. Hence, me contacting your organization to get this BANK to give me straight answers or force them to make my home affordable because it was purchased during a predatory lending period. NOT because the HARP program is being phased out by big business and corporate banking interests. There are people that have been spending their life savings trying to do the right thing, but get burned by the banking industry anyway. I want Ocwen to openly discuss my options and resolve things with straight answers, not people that dodge questions. The second company, XXXX, a home equity loan holder, locks me out of my online account and ca n't pay my note. They jacked my payment from {$130.00} per month to over {$400.00} per month. This company is the third company to take over this home equity loan. I have records that I have paid principal and interest on this loan, but they state that principal has NEVER been paid. How can the third loan holder of this XXXX it up so badly and be out of touch with the original loan. This note was for {$39000.00} and over ten years I have paid ONLY interest? Under and amortization calculator it states at I should have paid at least {$10000.00} principle of by now. This company is saying that it was an interest only loan. However, that is incorrect.
|
| 10/02/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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XX/XX/XXXX Ocwen have charge us with so XXXX in claim to court we was 6 month behind we were waiting on new modification. Because Ocwen claim they were after having home taken out to court " we lost bankruptcy claim we six month and shown drown up lie we never seen any documents of letter showing we were $XXXX behind .this is new bankruptcy we had just filed. Last. Bankruptcy XX/XX/XXXX Ocwen went to court claiming to take mortgage same lies we were again 6 months behind $XXXX in area / doing process of the first modification Ocwen claim we owe $XXXX and that was not true because we only owed $XXXX in XX/XX/XXXX you see we never sees what I can go to send to the court until after it's been sent did Judge don't ask no questions because they believe that it what creditor say until we start complainting about it to you all and the Attorney General's office but Ocwen don't change anything they continue to charge fees and insurance .we never know what next with this company Ocwen sent 7 letter to court lift stay we had modification Remember in my complaints over never except what judge approve doing time we was in bankruptcy Ocwen claim our payment was $XXXX not what original payment was $XXXX. Judge lower it He knew modification to lower payments and bankruptcy paying $ XXXX out bankruptcy. Ocwen continues charging us taken all escrow many month ago Ocwen have not did any thing they claiming we owe XXXX behind have not credit us for the amount received from bankruptcy or paying they continue get higher Ocwen have gotten them set attorney to began foreclosure on my home I paid to much they claim to bankruptcy XXXX then send in another area $XXXX. $XXXXWhat Ocwen been doing If we file claim on insurance hail damage we send check to Ocwen we got recharged fees as if it was payout from them put in escrow charge me back see on statement over years this fraudulent activities I have made many complaints no they haven correct problem. After that their attorney to send many letter to wife and I got this particular judge same nationality as they were and he went on and taking it out of the bankruptcy in XX/XX/XXXX claiming were going do modification we got packs back in XX/XX/XXXX for 6 months we call they clam they working on new modification. They was lying and deceitful and a bad practice XX/XX/XXXX we got 4 letters from there attorney with with Ocwen investors which question to do a foreclosure this company is bad business " I have requested to talk with with the president and the CEO which is the same person XXXX XXXX. He initially called and talked to my wife about XX/XX/XXXX and it was some things that I heard him say when he thought his phone on hold and I could hear in the background that he was talking to another person about taking the property from a XXXX man which was XXXX XXXX and from that day forward I've been calling request to speak to this XXXX XXXX my wife have I haven her durable power of attorney take care all business matter I work in other state some time.I had Ocwen on staff some while back they still continue charge me fees. This been very hard you try pay they claim to court I wad 6 month behind when my wife call request them send what the six months amounts would be that they claim we owe at bankruptcy court they have refused to give me that amount at which would be $XXXX they would not do it they are claiming we behind 60 month doing process of modification Ocwen will not accept a payment. They come back claim we owe all this money claiming on statement. I we been dealing with this for year until we taken fight there XX/XX/XXXX claiming we was in forbearance left XXXX balance just thought we on our way when we get in our XXXX's all good we in our XXXX's it still happen fees charges want correct want take our home. Sent over 14 harassment letters from a Repo we had 30 days respond 'in Ocwen Company XXXX XXXX all and the affiliationsThe are thief in different areas of this country we we purchased his house we was XXXX -XXXX years of age.this is to long suffer we XXXX XXXX we distress. And mistreated by own Mortgage Company how could anybody continue to do these things and they keep getting away with it and your charge to feed been sued by the Attorney General office and they lied claiming that we need to send in a paper handwritten letter stating that will be a part of this lawsuit type the letter up and send it to Ocwen so wait 5 days call back that's a no you need to hand write the letter Center ID and all that and call back again they act like it was a funny joke and here come the letters of trying to foreclose on a house now that is not right that is so wrong they really do need to get a copy of this statement and I hope you all do everything to make sure this company never practice and this state of this United States never again.
|
| 09/01/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
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1. On or around XX/XX/XXXX XXXX, Ocwen had a Sheriff kick down my house door ( I have several recorded/backed up videos of this fraudulent act with the Sheriff showing me all his documents he had with not ONE document authorizing the eviction to come to my house without any court order signed from a Judge and even a document from an attorney 's office to NOT evict my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. There 's never been a hearing per Maryland required Statue Rule 2-311 ( f ), MD Rule 14-204, and Rule 20535,. I challenge the fraudulent foreclosure and sale of my home that I 've been in for 11 years 2. I have previous letter and documents where Ocwen did this same fraudulent act back in XXXX, where I had an attorney where they took my house out foreclosure and I had Senator XXXX XXXX office involved and have documentation to support. They 've admitted to the same crime and was never held accountable for it, but retaliated against me with another fraudulent act. However, per Government records it shows Ocwen & XXXX XXXX have been fined 60 billion for their continuous mortgages fraudulent activities, but victims are continuously suffering from what 's continuing to be allowed.
3. I also have a letter stating that my house was taken out of foreclosure and received a very small settlement per that fraudulent foreclosure back in XXXX.
4. I had a private investigator to investigate the entire fraudulent sale of my home XXXX, with recorded XXXX report and other documentations to show this was the same approach taken back in XXXX per OcwenXXXX XXXX. Due MD statue any fraudulent sale of someone 's property and this not being the first time, the sale is 100 % invalid and my certified private investigator is willing to go public and testify in court!
5. The fraudulent foreclosure was in conflict with MD Rule 14-404. Based on legal doctrine the foreclosure was " not actionable as a matter of law, '' and the court lacked the jurisdictional power to ratify the sale 6. The Circuit Court 's denial of the motion to vacate the fraudulent foreclosure sale and dismiss action, without holding a hearing, when the ruling was dispositive of the case was a mistake within the confines of Rule 2-311 ( f ) and Rule 2-535 ( b ). Which creates " manifest injustice! '' 7. My private investigator have backed up recorded videos & documentation of the entire illegal eviction that took place, that 's continuing to be allowed across this country to thousands of homeowners.
8. I need this issue resolved as soon as possible as you already know by thousand of other victims this is not just fraudulent but it 's " illegal and UNJUST! '' Something that should not still be allowed with nobody going to jail but being allowed. I hate to believe our Government is involved with illegal activities and on standby to continue to allow this type of activities to happen! This is the 2nd time and same process they 've done per certified official document.
***Not to mention they not only blocked me from making payments to my loan and I have a certified official letter from the vendor sending me return of mortgage payment letter. '' They are also willing to testify Ocwen ( I have a written statement ) put my loan into default per falsifying Government documentation to gain insurance per my home equity, which is FRAUD! Not to mention my NOTE being SOLD per XX/XX/XXXX, with the deed and NOTE being separated! ( MERS ) I have recorded documentation that shows my house was paid off per XXXX report XXXX and they made BILLIONS of dollars from my home NOTE & still GREED to not just ask for more money, but LIE and falsify Government documents ( which is ILLEGAL ) to gain equity! The Government is aware of this fraudulent activity and only fine OcwenXXXX XXXX when they 've already made billions of dollars from just ONE note which my house was one, which was separated from the DEED. Once this is done you 'll already know the mortgage is instantly INVALID there 's no more mortgage. I have the full XXXX report with the sale of my NOTE per wall-street and BILLIONS of dollars made since the time of purchase XXXX and other evidence to prove this sale was not only FRAUD but illegal and a form of retaliation for their previous illegal/fraudulent. I will await their reply before sending my private investigation information and the refund letter of my mortgage payments for a year, allowing them the opportunity to LIE again so I take to court and etc. The attached document is to show CFPB this is NOT their first time of the same fraudulent act!
***I 've attached some of my preliminary fraud summary investigation for your review.
***I would like to save the rest of my evidence for if going public or court ***I was not able to upload a larger report due to size, I can send via email if given an email address
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| 08/25/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear XXXX, I want to report that XXXX XXXX XXXX XXXX XXXX filed a False Proof of Claim in my XXXX # XXXX / Adversarial Proceeding Case # XXXX in the CA XXXX Bankruptcy District Court on XX/XX/XXXX. Attached copy of XXXX Bank XXXX XXXX, Proof of Claim filed by XXXX XXXX, attorney at XXXX XXXX XXXX, XXXX and Copy of my Adversarial Proceeding Case file on XX/XX/XXXX.
In addition, XXXX XXXX in my XXXX XXXX Superior Court Case XXXX in XX/XX/XXXX provided 263 pages of Production XXXX in which they included three different versions of the alleged Fixed/Adjustable Rate Note on pages 117, 127 and 144 out of 263 Pages, which likely reveals counterfeiting ( Copy Enclosed ).
Therefore, I hired XXXX XXXX, Private Investigator to conduct two Audits of all documents of the alleged loan, assignments and documents provided to the courts and provide a Declarations of his findings under oath and Penalty of Perjury.
The First Audit and Declaration by XXXX XXXX was Notarized on XX/XX/XXXX, uncovered numerous violations and issues including the following ( Attached copies of the Audit the following reports ) : 1. CFPB/Plaintiffs States Consent Judgment against Ocwen Loan Servicing , Dated XXXX XXXX, XXXX for Violations, among other laws, the Unfair and Deceptive Acts and Practices Law of the Plaintiffs States and the Consumer Financial Protection Act of XXXX.
2. XXXX XXXX XXXX Deposition and Testimony on XX/XX/XXXX, acknowledged robo-signer, signed thousands of documents without first hand knowledge.
3. XXXX XXXX Bank, FSB vs Meisel Case Decided XXXX XXXX, XXXX.
Notice of Pendency Cancelled and discharged and further Ordered that Counsel for XXXX Bank XXXX Bank XXXX, XXXX XXXX XXXX and Firm XXXX and XXXX, XXXX engaged in " Frivolous Conduct '' defined administrator in Rules of XXXX XXXX ( c ).
XXXX. Consent Order, US Office of Thrift Supervision against XXXX Bank, XXXX dated XX/XX/XXXX for " Unsafe practices and initiation/handling of foreclosure proceedings Under OTS 's Finding : 2 ( 2 ) " Litigated foreclosures and bankruptcy proceedings and initiate non-judicial foreclosures proceedings without always ensuring that the promissory note and mortgage document were properly endorsed or assigned and if necessary, in the possession of the appropriate party at the time. '' The Second Supplemental Audit and Declaration by XXXX XXXX XXXX, Under Oath and Penalty of Perjury, completed on XX/XX/XXXX New Facts Revealed ( Copy attached ) : Deceptive New Gap Assignment as Indicia of Fraud...
Proof of Claim- Gap Assignment Corporate Assignment of Deed of Trust on Page 2 of 15 of Audit/Declaration : " Rather than Executing any type of corrective assignment to address or remove the fraudulent " XXXX XXXX '' assignment from the land records of from the facts presented to the state court, XXXX ignores and omits the " XXXX XXXX '' XXXX in the Proof of Claim ALLTOGETHER even when PHH had previously sought Judicial Notice of said assignment on XX/XX/XXXX. '' On page 9 of 15 of Audit/Declaration : " Claimant Trust has never owned or possessed the XXXX Note because the " Trust '' was never formed because the Transaction discussed in the SEC filings never occurred. '' Three Different Versions of Note Reveals Likely Counterfeiting On Page 11 of 15 on his Audit/Declaration he states : " It appears that on the same very day, the same person who executed the certification, executed a different Certification of the Note. Both Notes produced in the State Action Court are different than the Note produced in this Matter in Claimant 's Proof of Claim, which shows two blank endorsements one on " page 5 of 5 '' and the other on the Value has been Given : On Page 14 of 15 of Audit/Declaration he states : " I have seen NO evidence that the Claimant paid valuable consideration to any party for the subject Note in this matter or the Trustee ever took possession of said " original note '', properly endorsed on or before the Trust 's closing date of XX/XX/XXXX.
I can state with near 100 % Certainty that NO party seeking to enforce the remedy of foreclosure and collection of any alleged debt in this matter can not/ will not produce any verifiable accounting to show the subject loan as an account receivable on any books or records of the Claimant Trust. '' In conclusion, I want to also report that the XXXX XXXX XXXX in the XXXX XXXX Superior Court of California / Sixth Appellate Court Case, and most recently XXXX XXXX XXXX in my Bankruptcy Adversarial Case have ignored XXXX XXXX 's Investigation, Audit and Declarations provided under oath and penalty of perjury.
I'm demanding XXXX XXXX XXXX XXXX XXXX to cancel Notice of Trustee Sale Scheduled for XX/XX/XXXX and expunge the all instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX, at the XXXX XXXX XXXX XXXX XXXX.
respectfully, XXXX XXXX
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| 04/04/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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XX/XX/XXXX I missed one month payment.
I pay by the internet on PHH Mortgage web page.
I tried using a new portal, and my money did not go though. I was told to call. I then spoke with an agent who said the money would not be touched. I asked about paying XXXX in two months with my next months payments. He talked about saddling the payments on the end of the mortgage. I receive social security payments, so I would have no trouble paying this way. At the time in XXXX I was sick, I suffer, XXXX, XXXX, XXXX, with XXXX XXXX but only work XXXX XXXX. I recently suffer a small XXXX and XXXX from being sick XX/XX/XXXX. I was sick a month misdiagnosed and probably had the XXXX XXXX, they weren't used to that as the XXXX showed XXXX XXXX to my XXXX and state XXXX and they assumed post XXXX affects from my XXXX XXXX XXXX. also, I have XXXX deposits on my XXXX.
I'm under the care of a XXXX and XXXX XXXX. anyway, a week later after the portal mess up I check my bank account and it is in the negative. I call phh mortgage talk to the manager, and she said the portal has been having many glitches and so what. So, basically as a customer I get an answer like that. I went to my bank because I dislike dishonesty from a company. the bank gets my money back. I get a check back from phh mortgage, but I only discover the check and recently deposited it into my bank account. In the meantime, they don ; t want to work with me as now within three months they hired an attorney who is soaking me for fees. I send them a check, it gets returned then a cashiers check for {$2700.00} which would had taken care of it but it by passes the attorney 's letter, so I speak with the case manager and they she says they haven't gotten it yet. So, I get a letter for a short sale for my place where they give me {$10000.00} and they take {$200000.00}. I am distraught and my hardship letter goes unnoticed. I also can't believe that such a mortgage company would do such a thing. This could've been all handled correctly but they went to far. In XXXX I lost my job, besides being so sick and unemployment started XX/XX/XXXX. In the meantime I cut back on all my bills, get rid of cable, get rid of phone and get government phone, food stamps, and have the state pay my water bill and gas and electric. my wifi is {$9.00} for senior citizens since I'm XXXX years old.
I received a letter from phh motgage stating that my modification loan was denied ( no I wanted to pay the months out with my monthly payment ) because of my credit score. So, I called and paid off all my creditors except XXXX XXXX XXXX XXXX which I now pay them {$200.00} a month ( bill at {$1000.00} right now ). But, I notice that phh mortgage added {$97000.00} on my credit score which states that in nine months I only paid for six months! ( Six months would be {$3500.00} ) I am so levied because they put me in this position. After three months they would not accept any money. I had my social security money to pay. Now I have my unemployment money, but no, they keep stalling every few weeks with more letters, where I'am going into the hole. And dragging it on with a case manager who acts like she cares, putting me further in debt.
They currently want {$9400.00} due!!! My delinquency has been due to them not accepting payments.
I've had my house since XXXX and want to live the rest of my life here.
They don't care about my situation and saw an opportunity to take my place and make a big profit off of it.
Each time I called a different agent with an accent I couldn't understand because of a XXXX injury from a XXXX accident, I had to repeat myself. No one would connect to the extension of the case worker. All a hoax and a lie. Just stretching time out, to XXXX me over.
I also, suffer XXXX badly, and speaking back in XXXX with one doctor as I saw three, I told him I wanted to XXXX, that's how sick I was. I live alone, and it's not good to be by yourself struggling with health and then dealing with a corrupt company. With all this, it has caused me many sleepless night, medication for XXXX and XXXX.
Governor XXXX has a stay against mortgage lenders foreclosing on houses. And the Care Act, as of XX/XX/XXXX. I want this resolved where I keep my house. My payments are only {$590.00} a month. The stimulus plan for the coronavirus comes out soon. It will help me catch up with my mortgage. I am tired of getting threats from an Attorney who throws his fees up every minute. I am tired of a mortgage company dragging their feet so they can take my house. The case manager is suppose to me helping me, but she is only helping her company. Both Ocwen and Phh mortgage are corrupt as you already now all to well they have many lawsuits against them. I'm tired, frustrated, and so upset.
Thank you for your time in listening to my case.
Sincerely.
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| 12/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This complaint regards Breach of Mortgage Contract by Ocwen ; XXXX XXXX ( formerly XXXX XXXX XXXX, XXXX ) ; XXXX XXXX XXXX , XXXX ; XXXX XXXX XXXX. ; and PHH Mortgage ( hereinafter collectively referred to as 'PHH ' ).
Under a cloud of non-disclosure, with concealment of material facts, without the borrower 's knowledge and consent, and without additional consideration to or for the borrower, PHH unilaterally modified the borrower 's mortgage Contract ( inclusive of both the Note and Mortgage ) by converting it from a regulated residential mortgage contract into an unregulated commercial investment contract, which may be referred to as securitization. The title company may also be a co-conspirator in the non-consensual conversion and, thus, breach of the borrower 's contract. By breaching the borrower 's mortgage contract, the contract is legally void or voidable from the beginning.
During the securitization transaction, the original Note and Mortgage were destroyed, also without the borrower 's knowledge and consent. There were absolutely NO Terms or Conditions in the mortgage contract that legally permitted PHH to convert and, thus, breach the mortgage contract including, but not limited to, without compensating the borrower with additional consideration. By illegally converting the mortgage contract absent the borrower 's knowledge and consent, PHH committed fraud including by subsequently filing a libelous foreclosure complaint against the borrower into the public record on or around XX/XX/2017. As a result of the non-authorized unilateral modification of the borrower 's mortgage contract by PHH, the Note has already been paid in full one or more times by third-party payers, to wit, credit default swap side bets and/or default insurance payments and/or title insurance payouts and, as a result, the borrower is not now and never has been in default, and PHH and its representatives and affiliates knew or should have known this. PHH is refusing to disclose the name ( s ) of the investor ( s ) /lender ( s ) claiming an alleged right to payment or profit from mortgage payments so that the borrower may serve the investor ( s ) /lender ( s ) with legal process to ascertain if the investor ( s ) /lender ( s ) has already been paid in full. Because it has recently been discovered by the borrower per a public document that the borrower is, in fact, a Party to the securitization transaction ( which was also concealed from the borrower ), PHH and the investor ( s ) /lender ( s ) has also failed to compensate the borrower from funds/profits received resulting from the transaction, amounting to a contractual lack of additional consideration to the borrower in exchange for converting the mortgage contract into an investment contract without the borrower 's written, signed authorization, knowledge and consent. Basically, the borrower was illegally and fraudulently cut out of the deal and has been defrauded of profits derived from the securitization transaction. On information and belief, PHH may be in violation of Federal RICO laws pursuant to a cursory review of the XXXX Clerk of Court 's Forensic Examination of the Real Records and the Circuit Court Records, XXXX County, Florida which may be viewed here : XXXX : XXXX PHH intentionally and knowingly BREACHED XXXX 's Mortgage Contract. In an act of non-disclosure and concealment of material facts, misrepresentation, without meeting of the minds, without acceptance by XXXX of any additional Terms or Conditions, and without any additional consideration in XXXX 's favor, PHH egregiously and illegally unilaterally modified XXXX 's mortgage contract by converting the so-called loan from a regulated, residential mortgage Contract into an unregulated, commercial investment Contract, and multiple material issues in connection with the non-consensual conversion were never disclosed to XXXX, neither did PHH obtain her signed authorization and consent for PHH to modify her mortgage contract, and neither did XXXX show any legal intent for her mortgage contract to be modified. Again, XXXX XXXX has publicly stated in one of its official documents that the borrower is a Party to the MBS transaction unless, of course, XXXX XXXX is committing fraud by concealing if the true, legal definition of 'borrower '. XXXX was never presented with an addendum containing additional Terms or Conditions to the original mortgage contract for her review and negotiation and which contained the additional consideration she would receive and in what form she would receive the consideration should she have agreed to the modification of her mortgage contract. A mortgage contract that is unilaterally modified by one party without the knowledge and consent of the other party is void or voidable from the beginning and unenforceable.
|
| 10/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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My mortgage was transferred to PHH mortgage from Ocwen Loan Servicing.
I received a letter from Ocwen stating to start making payments to PHH mortgage. On XX/XX/XXXX I called PHH Mortgage and spoke to XXXX to inquire about a loan modification due to my employment contract ended XX/XX/XXXX.
Before I called, I received a letter dated XXXX XXXX from PHH Mortgage stating I was behind 3 payment XXXX, XXXX, and XXXX. At that time I was not behind. This prompted my call and to also inquire about a loan modification since I due I was not going to be able to make my payments with only XXXX XXXX as income and my unemployment had not started.
First, I addressed that I am not 3 months behind and I can provide my bank statements showing where my mortgage payment cleared my bank. Then I proceeded to inquire about the loan modification. XXXX told me it will take roughly 3 months for approval due to them being back logged.
I called again on XX/XX/XXXX and spoke with XXXX to reiterate that my mortgage payments where made to Ocwen and I have my bank statements to prove my payments. She gave me a faxed number and I faxed my bank statements showing where my payments cleared my bank.
I called on XX/XX/XXXX and spoke with XXXX ID # XXXX and asked if my bank statements were received. She said they didnt receive my bank statements. I advised I faxed to XXXX and for her to have my case manager XXXX to call me. I never received the call from XXXX.
On XX/XX/XXXX I called PHH mortgage spoke with XXXX ID # XXXX to get status on the loan modification. She said it will take about 30 days to review my information that I sent.
I called XX/XX/XXXX and spoke with XXXX finally ... I asked about status of my loan modification and he said I was approved and I must sign and agree with the terms by XXXX. He went over the terms with me and told me to fax the approval in. I advised I have not received the loan approval for me to sign. He said it was mailed to me. I asked when was it mailed and he said Tuesday. I asked this past Tuesday which is the XXXX of XXXX. He said yes. I said, if I have to sign the approval form by XX/XX/XXXX, Im not going to receive it before the due date if it was just mailed Tuesday. XXXX told me to send it in when I receive it. I strongly said and asked that our conversation be recorded and I asked XXXX again to make sure our conversation is recorded and I proceeded to recall what he told me which was ... for me to send in the form when I receive it although it will be after the due date of XX/XX/XXXX. He said yes, I can still send it in after the due date. Again, I said. This phone call is being recorded correct. He said yes! I received the form which was dated XXXX XXXX. I faxed it in XXXX XXXX and sent my payment of {$680.00} to PHH Mortgage on XX/XX/XXXX. XXXX XXXX, XXXX I received a return payment notice that my modification of {$680.00} has been returned back to me.
XX/XX/XXXX I called PHH mortgage to speak to XXXX. He was on another call. Spoke with XXXX ID # XXXX and I informed him my loan modification payment was returned. He proceeded to tell me that it takes 30 days or longer for my paperwork to be reviewed. I informed him that according to XXXX my modification has been approved and I faxed in my form and sent in my payment of {$680.00} and it was returned. He transferred me to XXXX ID # XXXX. He, just like XXXX, had no clue of about the loan modification approval I received. He was reading the notes supposedly and he said your file is being reviewed and that I will receive a letter about my modification. Again, I explained my modification had already been approved and I sent in my signed approval form and first payment already. I asked to be transferred to XXXX since he is my Case Mgr and he is aware of my loan modification and prior conversations. He said XXXX is on the phone and he will have XXXX to call me. I waited and I didnt receive a call from XXXX the entire day.
Today, On XX/XX/XXXX I called PHH Mortgage and got XXXX again finally. I informed him of my modification payment was returned to me and I asked why? He said because I didnt send in my payment and sign the form before the due date. I recalled our phone conversation where he iterated to me that I can send in the signed modification form once I receive it since it was going to be after the due date when I get it. He cant remember telling me that. I asked for him to pull the recording of our conversation on XX/XX/XXXX. He advised it will take a couple of days to review and for me to call him back on Friday XX/XX/XXXX at XXXX cst.
My concern is that he may erase our conversation and I wont have any proof of what he discussed with me. Im hoping you can request a copy of our phone conversation before he has a chance to alter or destroy it some how.
|
| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
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I have been working with Ocwen Mortgage Company, XXXX, PHH Mortgage company since XXXX, since The Great Flood of XXXX, in XXXX XXXX, Louisiana. I was not offered any Disaster Assistance, nor was I offered any Hardship Assistance, No assistance. I was told that The Loan Servicer, sympathized with our family, but that my ex husband, XXXX XXXX XXXX had signed a borrower contract. However, my ex husband refinanced the house in XXXX, we purchased the home in XXXX of XXXX, this was XXXX XXXX years ago. I separated from my husband in XX/XX/XXXX, I obtained three jobs, to support my family of XXXX children, whom XXXX of the XXXX children were born premature. However, my first born daughter was born at XXXX months, birth weight XXXX pounds XXXX ounces, my second born premature, born at XXXX months birth weight XXXX pounds XXXX ounces, third born, born at XXXX months, birth weight XXXX pounds XXXX ounces, I found out that I had a incompetent XXXX, I could not hold my babies, XXXX XXXX, and finally, I had never been so thrilled, to finally carry a baby, to full term, once I was finally diagnosed with an incompetent cervix, remedy, I had to undergo sever XXXX. Finally, my last born was born at XXXX months, weighing in at XXXX pounds XXXX ounces. I worked, to provide for my children, that is the reason, WHY, AFTER THE FLOOD, I, CONTINUED TO MAKE MY MONTHLY PAYMENTS, KNOWING THAT I, WE DID NOT HAVE FLOOD INSURANCE. I was forced to file for Chapter XXXX Bankruptcy XXXX, trying to save our family home. I did not want to file for chapter XXXX Bankruptcy Protection, but my Loan Servicer, constantly LIED, THEY DELIBERATELY, TOLD ME THAT, there was nothing that my family or I could do, I finally had to contact the XXXX OF LOUISIANA, I was told that I had been LIED TO. I TOLD THE XXXX, how I was injured on my job, how I paid over XXXX XXXX dollars, for a house that was deemed unlivable, because of the Structural Integrity of the roof collapsing, infestation of XXXX mold, mildew, and termites, I notified Ocwen Mortgage Company, now NewRez/PHH Mortgage, I was told that unfortunately nothing could be done, I was told on several occasions, that because my ex husband XXXX, was the primary borrower, that I could not do anything LEGALLY IN MY POWER, I WAS FORCED TO FILE FOR CHAPTER XXXX BANKRUPTCY PROTECTION ON XX/XX/XXXX. I WAS BACKED INTO A CORNER, BY ALL PARTIES MENTIONED EARLIER. I was told by THE THIRST FOR JUSTICE PROGRAM, that I needed to try to call the above parties mentioned, because they were not being truthful, about me being able to qualify for a HARDSHIP, OR DISASTER ASSISTANCE PROGRAM, BECAUSE LEGALLY I OWN XXXX PERCENT OF THE PROPERTY. I have spoken to XXXX XX/XX/XXXX, XXXX with the home Affordable Modification Program, called again on XX/XX/XXXX, called again on XX/XX/XXXX representative ID XXXX. Deceptive Act and Practices false, misleading and inaccurate statements. Therefore, all of the above mentioned Mortgage Companies have deliberately misled my family about everything that we have asked for help on, I am constantly reminded by the above mentioned companies that they take accusations very seriously, well, undoubtedly, you do not, I even asked, for XXXX, XXXX, amongst others, to not contact me, or to not even work on my disputes, I was totally ignored, they continued to not only work on my case, but the DECEPTIVE, MISLEADING CLAIMS WAS NEVER LOOKED INTO, UNTIL, I REACHED OUT ON SOCIAL MEDIA, THEN I WAS ASKED TO DIRECT MESSAGE OCWEN, OCWEN, DID NOT WANT SOCIAL MEDIA TO READ MY COMPLAINT. I was also LIED TO ABOUT, only my ex husband, could file for loan modification, or bankruptcy, I was told by several ATTORNEYS, that I owned XXXX percent of the property, I have also noticed that each time, I submit a complaint, that Ocwen, XXXXPHH Mortgage company, always responds before they even do any research. I was also told that I have several RESPA letters, that have not been addressed, I have further contacted XXXX XXXX XXXX, about my hardship experiences, that I have been experiencing since THE FLOOD OF XXXX, this was before the Pandemic, I was contacted by XXXX, TO DO A STORY, HOW I AM STILL OUT OF OUR FLOODED HOUSE XXXX YEARS AND XXXX MONTHS. THEREFORE, I can bring my story, our story both DOMESTICALLY, AND NATIONALLY. I am going to submit DOCUMENTS AS EVIDENCE OF, PHH MORTGAGE, STILL ASSIGNING XXXX, AMONGST OTHER REPRESENTATIVES, AS MY CONSUMER OMBUDSMAN, I would like to also mention that I did not receive any of this paperwork, until I filed my last complaint on XX/XX/XXXX, XXXX all before PHH Mortgage, were not adhering to my RIGHTS AND THEIR RESPONSIBILITIES. I have ruined the little credit that I did have, by the LIES, DECEIT, THE WILLFUL OMISSION OF PERTINENT CONSUMER DIVISION OF FINANCIAL REGULATION, DID NOT FOLLOW PROTOCOL.
|
| 03/03/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX are realtors doing business in the state of Connecticut. XXXX XXXX license number is XXXX XXXX. XXXX XXXX license number is XXXX XXXX.
XXXX XXXX XXXXXXXX have been retained by the attorney for a conserved person, XXXX XXXX, XXXX as conservator for XXXX XXXX ) to sell a property located at XXXX XXXX XXXX in XXXX, CT XXXX. XXXX XXXX had a reverse mortgage on the property. XXXX XXXX is unable to sell the property to help pay for the conserved persons expenses without the participation and cooperation of the reverse mortgage company.
The property listed and went under contract in XX/XX/XXXX. Since that time, XXXX and XXXX XXXX have been trying, without success, to engage the reverse mortgage company in the short sale process. A detailed description of their attempts to communicate with the reverse mortgage company is outlined below.
TIMELINE : XXXX : We just got the documents for the short sale to be able to arrange and get third party authorization on file. Going to list it today. Sell As Is with all debris in there. No XXXX.
XXXX and XXXX must get third party authorization filled out and submitted to the bank..
XX/XX/XXXX : submitted letter of intent to sell to the reverse mortgage company with third party authroization XXXX : resubmitted letter of intent to sell to the reverse mortgage company with third party authorization XXXX : XXXX called reverse mortgage company to see what is going on with the submitted documents. XXXX spoke with the SPOC ( single point of contact ) department. On hold seeing if they have in fact ever received the material submitted. ( the hold music is elevator covers of 80s rock ).
We have confirmation that the materials submitted were acknowledged XXXX It will take 10 business days from acknowledgement to assign a Loss Mitigation Specialist to the file Upon assignment, they will reach out to the point of contact ( XXXX, XXXX ) Follow up XX/XX/XXXX if we have not heard back XX/XX/XXXX : on hold for over 55 minutes ( new hold music, very XXXX but really badly done ).
Have you assigned a loss mitigation specialist to the file?
What is their name and contact information?
What is the next step in the process to submit the contact for sale? What exactly is needed and how do we submit it to you?
It is XXXX. I have hung up without success.
XX/XX/XXXX : The direct dial number for the Default Department ( SPOC ) is XXXX. They lost the third party authorization previously submitted. New one submitted by fax, then it takes XXXX hours to be uploaded into the file, and then it will need to be reviewed.
XX/XX/XXXX : Called Default Department XXXX ( if they are busy, you are routed to customer service who then does a soft handoff to SPOC ). Spoke with XXXX. They do not have the third party authorization yet. I was given a second fax number for submission, and an email. The form has been submitted a third time to the following : XXXX ( new fax ) XXXX ( fax on the service letter ) XXXX XX/XX/XXXX : called SPOC, spoke with XXXX. They STILL do not have the third party authorization on file. Correction - they received it yesterday. It has not been processed.
XXXX advised the next step is to request a payoff statement.
Q : what is the process to have a short sale specialist assigned?
The real process after over 30 minutes on the phone : XXXX sends an email XXXX asking for a short sale packet This will take ten business days to process, and then another 5 to send it out in the mail ( no email option for delivery ) We then gather all of the material requested and submit back to them by fax to XXXX This will include a letter from XXXX as Conservator explaining why the property will be sold and why the sale proceeds will be insufficient to pay off the reverse mortgage.
At one point in the conversation, XXXX stated the Probate CourXXXX will need to order the property sold at a loss, but when I asked how a CT Probate Court could exert jurisdiction over a Florida based loan administration company, he said this was not really required. So beware that the loss mitigation team does not know how probate/conservatorships work at all.
XX/XX/XXXX : called SPOC line. Spoke with XXXX XXXX. The request for the short sale packet is in the file. The short sale packet has not yet been sent out. XXXX said he was sending an email to loss mitigation to ask for the packet to be sent. Call back Tuesday or Wednesday of next week ( closed on XXXX day ) to see if it was sent.
XX/XX/XXXX : Spoke with XXXX. He confirmed XXXX did try to expedite the resale package, and then he disconnected. Called back. Again on hold for over XXXX minutes.
XX/XX/XXXX : submit complaint to CFPB RELIEF Requested : Active participation by Reverse Mortgage Company PHH in the short sale of the subject property.
|
| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX I applied for a refinance a {$65000.00} with PHH mortgage ( Formerly Ocwen ) to add my son to my mortgage so he can can be added to the mortgage title and deed. PHH declined it and for low credit score and promised if he increases his scores we can revisit it in 6 weeks. We paid off credit cards in hopes of increasing his credit scores, and re-applied since my scores were exceptional. On XX/XX/XXXX, we re-applied for the refinance. I was told by the mortgage representative that his scores did go up enough to do the refinance.
We were told that since the notarized Deed I made was not filed in my state it can not be used, but he can be added on the loan and it would be a 50/50 split for tax write-off. We were sent the e-signatures and we were ecstatic that loan was approved.
Everything seemed to be going great. I was asked to send {$560.00} by credit card for the appraisal, which I did. On XXXX XXXX, I was asked to send numerous documents, ie mortgage statements and proof of insurance for all houses, my SS benefit award letter, etc. On XXXX XXXX, the appraiser increased his price from {$560.00} to {$850.00}. I was appalled. I was told it was increased because of the location in XXXX, MD- obviously because it's a low income area. I complained - asking why would they increase the appraisal cost because of location. They insist that they have nothing to do with the appraiser. So I said that it was redlining and discriminatory. Suddenly things began to go sour. Suddenly my sons income was not enough, even though he explained that he was a school bus driver and he wouldn't have a full paycheck until late XXXX, and that the mail was slow and would email proof of his paycheck as soon as the mail comes. From XXXX XXXX I made several calls to representative and suddenly - crickets. Then I was asked to send my tax returns to show that my other houses were on my Schedule 3, which they were. Then no response again for a week or so. They they returned the appraisal fee without telling me I was denied. Suddenly my son got a denial letter, which was a shock to me since it appears things were still in order.
On XX/XX/XXXX, I was asked to send my Deed from a different department, which made it seemed like things were okay. I emailed the rep to express my confusion with all these mix messages. At the same time I'm still getting calls from my insurance company to add my son on to the mortgage- which they did ( received a letter from my insurance company with me and my son 's name a few days ago ). And their Lein department asking for my Deed to add my son on to the house.
Then again the rep stopped communication with me after I told him that we received a denial letter, he said he didn't know why because he was not told that the loan was denied. Then he said he can do it with my name only and I waited again and again he stopped returning calls.
Suddenly I got an email from rep saying he was out of the office and was told that my loan was denied because of poor performance. 15 years of ACH payment, never late is poor performance? Then he email and said it's because of a Forbearance I filed 18 months earlier ( XXXX ), which when I realized that it would affect me negatively after the fact, I paid the back payments and requested them to take me off forbearance in XXXX which they did not do. I've paid on time since XXXX, XXXX, never late since. According to them, my income was insufficient. I was willing to provide additional income from annuity and other assets but they never give me a chance. After 15 years being a mortgage holder with PHH, it's appalling that they would treat me with such unprofessionalism and insensitivity. The real reason, is that the home is, in their opinion, a 'bad neighborhood ' in XXXX , and I had a problem paying additional funds to appraise it and I voiced my opinion.
So after7 weeks of back and forth nonsense they declined the loan without any explanation but a denial letter in the mail. PHH mortgage should be reprimanded because of the sloppy, botched up refinance and their lack of tack in communicating with a faithful customer for over15 years.
Even today I received this email : Your loan application is still active, and its not too late to complete it. By finishing your application, you may be able to lock in a new, low rate and take the next steps toward your new home loan.
Locking today means even if market rates go up, which theyre expected to do, well honor your new locked rate terms for up to 90 days.
Give me a call, at your earliest convenience, and we can lock your rate today.
Looking forward to speaking soon. Again, I email the rep. he never responded. I wish they'd get their act together and take me off whatever automated email list they have.
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| 10/09/2019 |
Yes |
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- Trouble during payment process
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Web |
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I am submitting this formal complaint regarding OCWEN subsidiary PHH Mortgage Services about my loan transfer to XXXX XXXX XXXX , XXXX subservicing by XXXX on XX/XX/2019. As of XX/XX/2019 I am still working through this process with XXXX regarding the matter below. I have submitted a written complaint to PHH Mortgage as of XX/XX/2019 and plan to submit a similar complaint to OCWEN as well.
My family and I experienced a house fire XX/XX/2019 with a total loss in which our home was under constructions for over six months. I reached out to PHH Customer Service Department who put me in touch with the Loss Draft Department. The Loss Draft Department explained the process and sent out the required documents as outlined by the service representative. I completed the necessary steps and submitted all documents including all endorsed insurance checks I received. PHH 's process was working as instructed and outlined on the XXXX website which made me feel very proud to be a customer. PHH 's thirty plus years of experience were on full display which gave my family and me comfort we had the right mortgage provider with us during one of the most tragic times of our lives.
During the month of XX/XX/XXXX, the process had begun to unravel after I requested my first home inspection in order to receive the next scheduled contractor 's payment. Again I followed the process and submitted my request for two days of processing, gave the inspector five to six business days to contact me, and an additional four days for the results to be received and processed so the contractor 's payment could be issued. I reached out to the Loss Draft Department more than a dozen times to follow up on the scheduled inspection which only resulted in escalation after escalation after escalation. Finally, an exception was granted to pay a partial disbursement until the inspector could be contacted. The inspection did not take place until the month of XX/XX/XXXX and the results provided early XX/XX/XXXX. I had to pay the contractor thousands of dollars out of pocket until PHH Loss Draft Department was able to send the additional funds.
While frustrated how the first inspection had gone, I did not give up and called in mid-XX/XX/XXXX to see what steps I could personally take to prevent a repeat of the first inspection. Once more the representative gave me instructions of submitting my request now two weeks in advance prior to needing the next contractor payment. I submitted a request XX/XX/XXXX for the final inspection since the contractor 's agreement completion date was XX/XX/XXXX. It was during this inspection I lost all confidence in PHH as a Mortgage provider. I called more than two dozen times that resulted in escalation after escalation after escalation. Finally, I spoke with a team lead by the name of XXXX in which he said he would assist in resolving this issue as PHH tried to represent my first inspection results received XX/XX/XXXX as the inspection results requested on XX/XX/XXXX. After the contractor 's completion date per the agreement had come and gone, I called in numerous of times in which another exception had to be granted for partial payment to the contractor.
As the month of XX/XX/XXXX approached with no final inspection scheduled, I called on XX/XX/XXXX for a status update. The representative again escalated the matter and told me to call back in two days. As instructed I called XX/XX/XXXX for a status update to learn my loan had been transferred that same day to another provider. Again I spoke with XXXX and he assured me while my loan had been transferred PHH would continue to assist. I did not receive a call from an inspector until XX/XX/XXXX who only completed inspections onXX/XX/XXXX The final inspection requested on XX/XX/XXXX took place XX/XX/XXXX. I call the new mortgage provider and they informed me I had to now go through their process and complete all new documents because they did not have my complete file. I called PHH to inform them of this information and they informed me it could take 30-60 days for a complete loan transfer to work through the system. I have called several times for a call back from XXXX with no response or voicemail. The PHH representatives did all they could, but the PHH management has been an epic failure.
As of XX/XX/XXXX, XXXX informed me they could not take another Lender 's inspection results and I had to go through their 10 business days process and submit new documents. The contractor final payment of about XXXX XXXX dollars is still stuck in this process and I was forced to take out a HELOC against my home in order to pay him. I believe the CFPB should look into mortgage companies loan transfer practices while a consumer is in the middle of an insurance claim.
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| 04/28/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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1 ) XX/XX/XXXX I learned via a notice on the door XXXX XXXX via OCWEN foreclosed on my rental. It was XXXX XXXX on the eviction notice.
2 ) I responded to their attorneys I had a long term lease and was entitled to stay to the endo of my lease, under both Federal and CA state PTFA. ( Protecting Tenants at Foreclosure. ) 3 ) They filed an eviction anyway, in violation of PTFA.
4 ) I responded to their eviction, and included my lease. I also stated they did not have duly perfected Title which in California is required to evict. XXXX XXXX withdrew the eviction. ( # 1 ) 5 ) However, XXXX XXXX never acknowledged or acted as a landlord, an issue I will save for another complaint.
6 ) In XX/XX/XXXX I wrote XXXX XXXX attorney a letter describing severe Geological issues which are a matter of life and death, with a report from a Geologist I hired, after I learned there was a previous mud slide which had caused 5 feet of mud in the backyard and caused the house to be evacuated. The Geologist report stated the house was A danger to life and limb.
7 ) In the same letter, and in the prior eviction attempt which included an agreement for things at the house that needed to be fixed, I also told XXXX XXXX about other dangerous issues with the house.
8 ) I found dangerous black stachy mold in the house at the same time, and sent their attorney pictures, along with their realtor. I notified them I would give them 48 hours to give me their management company to fix the mold, or I would repair it and charge them. They ignored me.
9 ) I offered to buy the house, to fix the immediate and life or death issues and keep it from being red-tagged, expecting they would be willing to sell it. They already had it for sale in online auctions, despite our right to be here.
10 ) In XXXX, XXXX XXXX XXXX responded by filing another eviction.
11 ) I replied again to that eviction with my lease, showing it was 5 years. At this point they had a letter and two eviction responses with my lease. Its impossible they did not know I have the right to be here.
12 ) Despite having evidence to know I have a right to be here, and multiple conversations with XXXX XXXX by my attorneys -- XXXX XXXX continued to try to evict me for four years.
13 ) Having experience with wrongful foreclosure, I researched the property deeds, and found the first loan assignment was 3 years too late, and signed by XXXX XXXX which was a pseudonym used in the forgery house DocX. In short, the assignment was forged.
14 ) I then researched the remaining deeds, and determined they were also forged and fraudulent for various reasons.
15 ) In California, by case law, people can not be evicted from a home where the person claiming ownership has not properly followed our non judicial foreclosure laws. This includes renters.
16 ) In short, I educated and pressed my attorneys to obtain proof any proof at all that XXXX XXXX had any interest in the house they claim. XXXX XXXX has never in 4 years been able to produce such proof.
17 ) We finally had a joint deposition in XXXX, XXXX. I presented evidence XXXX XXXX stole the house, and did not have a right to evict my family.
18 ) Based on this deposition, we also learned XXXX XXXX and OCWEN do not have a process to follow the law for renters at all. So across the US, every renter when XXXX XXXX and OCWEN obtain a house, despite Federal law and CA state law, are being illegally evicted.
19 ) XXXX XXXX finally withdrew their bogus eviction, the Friday before trial the next Monday.
20 ) Now they owe me for the attorney fees they forced me to pay, and repairs I have been forced to incur on their behalf.
21 ) We have sent them multiple demands, and they have not paid me a dime, acknowledged their need to repair this house before its red-tagged, or taken on their landlord responsibilities.
22 ) Just this last weekend, I spent all weekend cleaning up the INSIDE of the house from a persistent rat problem that, despite spending almost {$10000.00} of my own money, has reduced the rat infestation but has not eliminated it without repairing the failing walls and siding the house.
23 ) They also owe me a significant amount of money for their wrongful eviction attempts, and I want it back.
24 ) They have further damaged my family, who already spent 6 years of their childhood fighting an illegal foreclosure and eviction. My son is XXXX and change is his trigger. Trying to illegally evict us has caused him to have stress and extreme XXXX XXXX, XXXX, further struggle in school, and outbursts. Not to mention, safety issues as our home is listed as a foreclosure for sale to this day, and people just wonder onto our property. We have even found people in the back yard!! I had to change the locks, as a key came up missing.
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| 05/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I contacted the Ocwen Loan Servicing Inc . on XX/XX/XXXX because I had an alert from XXXX XXXX that my score had dropped XXXX points due to Ocwen reporting my loan 30 days late. I contacted Ocwen and was transferred to their call center in XXXX . After attempting to get answers over the next 7 days and talking to over 13 different Employees ( ID # 's include XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX , XXXX ) I still had not answers . XX/XX/XXXX I finally got in touch with a Man named XXXX ( id # XXXX ) that told me Ocwen had sent out letters to me to let me know the amount of the escrow had changed. I let him know that no letters had been delivered to me and was there an attempt to contact me by phone. He said yes and recited a phone number to me that does not belong to me I asked if there was another number listed and he recited my correct phone number to me. I asked if that number had ever been called and he stated " NO '' that they had not tried to contact me at that number. My payment on this account is {$2100.00} that is automatically paid out of my bank account every month and I have record that at no time has this payment been made late much less 30 days late. When I spoke to XXXX he said that there was an outstanding balance on the account at that point of {$800.00}. I stated to him ( on a recorded conversation ) that I would pay that amount right then even though I do n't feel I owe it because it is effecting my credit score . XXXX told me not to pay that amount because it would hinder the investigation. The reason I found out the escrow amount had changed is because they applied forced place flood insurance on my property and never let me know about it. Thus charging me an additional {$2400.00} on my escrow and increasing my monthly payment to {$2500.00}. My automatic payment continued as usual for {$2100.00}. I let them know I have flood Insurance and the policy only cost me {$610.00}. XXXX told me he would be back in contact with me by XX/XX/XXXX to let me know what he can do to help. I called XXXX on XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX and made sure to leave a message for a return call. I then called XX/XX/XXXX . I stayed on hold for him for well over an hour in order to speak with him. Once he finally answered the phone he was very dismissive stating that Ocwen would not be interested in correcting my credit file or fixing the escrow amount. I spoke to XXXX XXXX a t Ocwen Hazard Ins. Dept. in the U.S. s he stated she would do what she could to help me and requested that I contact the OMBUDSMAN Department. I did and spoke with XXXX . XXXX said he would do what he could to help and would be in touch with me. There is a lot more to this story than I can type at this point If someone would like to give me a call I can provide much more detail. In continuation, XXXX was to research all the information provided and get back to me. After 10 days I had to call them again. XX/XX/XXXX I got XXXX on the phone who told me that because he felt they did their due diligence by " sending '' me correspondence even though I never received it that they would not be reversing the negative remarks on my credit Bureau. On top of that even though I have provided the " required '' flood ins. policy that they would continue to increase my escrow and my payment would remain {$250.00} higher than my contractual amount of {$2100.00}. Because they are continuing the forced place flood insurance for XX/XX/XXXX . This is not ethical! I paid Ocwen an additional {$650.00} on XX/XX/XXXX ( with XXXX ) to make sure there would n't be an issue reporting accurate information to my credit report. They then reported another 30 day late payment to the bureau and XXXX told me today they will be reporting another 30 day late payment for XX/XX/XXXX even though I have overpaid them {$880.00}. I can not be held accountable for something I do not know about. Ocwen did not apply due diligence to contact me and let me know a change on my escrow had occurred. I personally would have taken care of it that day if I had known. For them to drag a good paying customer though this is unacceptable. I feel at this point they are taking advantage of me by not correcting my credit score a s well as overcharging me on the money. Any and all documentation of on time payment for correct amount can be provided per request. I have no additional documentation from Ocwen because it was never received. Ocwen Employee XXXX # XXXX stated that they sent me a certified letter however, he can not proved receipt or tracking that it ever got to me.
|
| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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The CFPB incorrectly closed # XXXX. Ocwen 's response did not include any answers to the questions I asked : 1. The Current Total Amount Suspended, which may represent the HO monies, does not appear on any billing statement. True?
2. The billing statement dated XX/XX/XXXX shows a payment due for XXXX of {$1700.00} ( Exhibit 1 ). This amount was received by OLS on XX/XX/XXXX. True?
3. The billing statement dated XX/XX/XXXX shows the payment received on XX/XX/XXXX was applied to escrow on XX/XX/XXXX, ( Exhibit 2 ). The on-line transaction log, however, shows this payment applied to suspense ( Exhibit 3 ). True?
4. How can a single transaction be classified differently on the statement than on the transaction log? Please explain.
5. The XX/XX/XXXX statement shows that {$1900.00} was due ( Exhibit 2 ). The escrow amount on this statement was incorrect. True?
6. The prior months statement dated XX/XX/XXXX ( Exhibit 1 ) states escrow as {$600.00} instead of {$790.00} ( Exhibit 3 ). The following month dated XX/XX/XXXX, shows an escrow fee of {$760.00} ( Exhibit 4 ). True? 3 different amounts for escrow in 3 consecutive months. True?
7. On XX/XX/XXXX I contacted an Ombudsperson at OLS in XXXX, Iowa. I did not record their name. Before the call, I had researched that {$1700.00} had been applied to suspense ( i.e. unapplied funds ). I asked, and the Ombudsperson agreed, the {$1700.00} in the suspense account could be applied as payment for XXXX ( Exhibit 5 ). I can not understand the entries dated XX/XX/XXXX on this statement. It appears these entries were not treated as a payment by OLS. They should have been. True? Please explain the XX/XX/XXXX entries.
8. Beginning with XXXX billing statement dated XX/XX/XXXX, the billing date was moved from the first of the month to the middle of the month ( Exhibit 5 ). True? Why?
9. For 6 years my billing statements have been at the beginning of the month instead of midmonth. True?
10. I was not notified of this billing date change. True?
11. The billing date change had the effect of reducing the grace period and creating late fees ( assuming I continue to pay on the XX/XX/XXXX of the month which I always have and still do ). True?
12. On XX/XX/XXXX, Ms. XXXX XXXX, OLS Ombudsperson in XXXX, Iowa called me. She had responded to the complaint I filed with CFPB and the BBB. I was able to set a date & time when we would talk. Among many questions, I asked her to explain the transactions applied on XX/XX/XXXX. I dont think she knew. During our conversation, I discovered that Suspense on transactions was the same as Unapplied funds on the statement. It is very concerning that the first transaction date applied on XX/XX/XXXX ( as suspense ) was a transaction already posted on XX/XX/XXXX ( as escrow ). True?
13. Review the statement dated XX/XX/XXXX ( Exhibit 6 ). It states {$1800.00} is past due ( XXXX ) and {$1800.00} is due for XXXX plus a late fee of {$25.00} totaling {$3700.00}. During the call with Ms. XXXX I asked her if the account was current as of XX/XX/XXXX. Ms. XXXX said yes. Then why the late fee? Please explain.
14. Please refer to Exhibit 7. It shows that my account should be current. True?
15. I received a notice of Your Mortgage Payment is Past Due, on XXXX XXXX ( Exhibit 8 ). The second line 1 states Please pay the CURRENT AMOUNT DUE IMMEDIATELY OF {$1800.00} by any of the methods mentioned on page 2. The mortgage payment for XX/XX/XXXX was made on XX/XX/XXXX. This notice conflicts with Exhibit 6 and what the I was told by Ms. XXXX. True?
Over the last 6 years, OLS has incorrectly notified credit agencies of delinquencies many times.
I have diligently attempted to maintain the new modified mortgage current. It was signed in XX/XX/XXXX. The inconsistencies on OLS billing statements over the past 11 months, as listed above, requires a significant time commitment by me to know what is properly due each month. I have spent more than 80 hours on Dispute 5. I believe I am current. I am, however, being charged late fees.
I do not want OLS to continue to service my account. OLSs accounting system and statements can not be trusted. OLS requires an excessive amount of my time and we still cant agree on the status of my loan. Effectively I have been trapped, against my will, between OLS and the credit agencies.
I want OLS to remove the misleading information forwarded to credit agencies over XXXX and XXXX. I want to refinance with another firm.
Respectfully, XXXX XXXX XXXX | XXXX | XXXX CC : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Kansas Attorney General Ms. XXXX, Ombudsperson, XXXX XXXX, Kansas Senator Ocwen Loan Services XXXX XXXX, Kansas Senator XXXX XXXX, Kansas 3rd District House Representative XXXX XXXX
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| 07/28/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, the Environmental Health Department of XXXX XXXX County conducted a complaint inspection at XXXX XXXX XXXX XXXX, XXXX CA, XXXX, sent to lien holder XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX.
The complaint alleged that debris material had been buried on the site. The results revealed there was large amount of waste that had been disposed of on the site, including hazardous waste.
On XX/XX/XXXX, A Trustees Deed Upon Sale was recorded on the property in XXXX. XXXX XXXX XXXX, Trustee ( a wholly owned division of XXXX XXXX XXXX ) deeded the foreclosed property to the lien holder XXXX XXXX XXXX XXXX XXXX. of XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX. The sale price was {$200000.00} and was recorded by XXXX XXXX of California, a wholly owned subsidiary of XXXX XXXX XXXX.
On XX/XX/XXXX, Ocwen Loan Servicing Company ( division of XXXX XXXX ), conducted the sale of the property at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They intentionally concealed the fact the Environmental Health Department of XXXX XXXX conducted a complaint inspection for dumping and sold the property for {$290000.00} to XXXX and XXXX XXXX & XXXX XXXX.
The Sellers exclusive REO disposition agent, XXXX XXXX XXXX, actively concealed materially adverse information that this property had been used as a dumping site prior to sale at auction, with hazardous waste buried on the site.
" This is considered an illegal site operated post regulation - it must meet Title 27 California Code of Regulation ( T27CCR ) for closure or be clean closed. XXXX XXXX, Program Coordinator XXXX, Environmental Health Department, XX/XX/XXXX.
The Seller retains strict liability for the burial of hazardous waste, and AS-IS proclamations do not relieve the seller of any responsibility whatsoever under CERCLA.
XXXX and XXXX XXXX XXXX meet the criteria of innocent buyers under CERCLA and the Brownfields Amendments federal law, as they acquired the property without knowledge of contamination on the property.
A visual inspection could not have revealed buried hazardous waste, and they were expressly prohibited from trespassing on the property prior to the sale as the tenants resisted eviction, and they feared for their safety. It took over 6 months to recover the property from the occupants.
California law requires sellers to disclose material details that may materially affect the potential buyers desire to purchase the property. AS-IS and like disclaimers are ineffectual in removing liability from the Seller and Sellers Agent.
Dumping hazardous materials is clearly a material fact, and Ocwen Loan Servicing, LLC, that orchestrated the REO sale for XXXX XXXX XXXX, and XXXX XXXX XXXX ( Trustee ) and XXXX XXXX [ the latter two owned by XXXX ( Sellers Agents ) ] can face severe penalties for intentionally concealing such known material facts.
Since they actively concealed a known material adverse fact, this is fraudulent misrepresentation under the law.
Remedies include compensatory damages, punitive damages and contract rescission. In such a case, fraudulent misrepresentation may even be considered a criminal offense. The Seller and Sellers Agents actively and fraudulently concealed this information to obtain a higher price at auction.
XXXX XXXX and XXXX XXXX XXXX have an ongoing financial interest in maximizing REO sales through deception. The Purchase Contract devised by XXXX XXXX XXXX induced XXXX and XXXX XXXX to engage the XXXX XXXX XXXX ( a subsidiary of XXXX ) by refusing to pay customary title fees unless XXXX XXXX was selected by Buyer, in full knowledge that the standard ethical buyer/seller arrangements would not be followed.
XXXX and XXXX XXXX believed XXXX XXXX would follow all legal and ethical norms, including providing known materially adverse information that impacts the marketability of the property. On page 1, Section 1 of California REO Advisory Requirements, the notice clearly states that : the Seller is not exempt from common law and statutory duties concerning fraud and deceit, even though the specific TDS Form is not required to be completed. Seller remains obligated to disclose known material facts affecting the value and Desirability of the Property. C.A.R. form REO Advisory, Revised XX/XX/XXXX There are literally tens of thousands of complaints against the unethical, illegal practices of these two related organizations ( Ocwen is a shareholder of XXXX, with an exclusive Reo disposition agreement ).
As they intentionally concealed material adverse information known before the sale in order to cheat the Buyers, XXXX must take appropriate corrective actions, pay punitive damages, and their license to operate should be reviewed.
|
| 01/17/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
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XXXX XXXX XXXX Statement XX/XX/XXXX I believe I Im a victim of predatory lending. To explain my situation, I will explain from the begging. In XX/XX/XXXX I join the military. While on XXXX XXXX my wife had a power or attorney on my behalf. Regrettable she was inexperience with such responsibility. When she inquired about getting a home in XXXX, I was making Approximately {$1100.00} every 2 weeks and {$1400.00} every month in basic housing. The lender sold her an idea that we could cover the cost to of such property at {$220000.00} PLUS a home owners association fees approximately {$250.00}. Somehow my other military incentives pay such as separation and specialty pay. These incentives were temporary and should not have factored in as income. Under this circumstance we should not have qualified for such property. I found that out the hard way after factoring the course after the fact. I attempted to rent the property however after 3 month the renter refuse to pay and cause some damage to the property. So, I have to terminate the rental immediately. I reached out to XXXX so we could refinance and was denied. After exhausting all options even when I enquired of the Soldier Sailor Act which was privileged to me as a member of the XXXX XXXX on XXXX XXXX I was illegally turned down. After consulting to my XXXX he recommended I requested a finial hardship to be discharged from the military in order to look for a different line of work to be able to financial support my family. I would like you to know from the first statement up to XX/XX/XXXX I paid the mortgage some time a few days late, but I paid. In XX/XX/XXXX I was release from the military on Financial Hardship. I began working for XXXX XXXX which is a XXXX Company. However, I have been trying to find many was to bring down the cost of owning the property. Late XX/XX/XXXX I began inquiring to the bank of my options. I was making a little more money, however, I was borderline pay check to paycheck. Around the time President Barack Obama past a bill to bail out the banks and asist the banks I made contact to the bank. The bank agreed to the loan modification, however after follow up to commence the process the bank denied ever received paperwork for modification. And ask to resubmit the documentation. However, at that time the bank denied the request. I reached out for short sale the property but the sale of the property price the bank denied. The first sale the bank denied because was below price. However, the bank asserted an amount that they would settle for the property. A second attempt for the sale with that amount was denied. A third amount was made significantly higher amount, the bank denied. I voluntarily asked the bank to release interest and ownership by leaving the property they asked me to sign a liability statement online stating that I will not destroy the property and don't removed or take any of the copper or utilities in the property. I left the property on XX/XX/XXXX. I notified XXXX-XXXX tax office that the property is now no longer in my possession. XXXX XXXX agreed to take possession of the property at XXXX XXXX XXXX Fl XXXX In XX/XX/XXXX. It appear the bank did not pay the property Association fees and any taxes Associated with the property. I have never owed XXXX XXXX on any unpaid taxes. The taxes were never escrowed and paid by me toward the end of every year. After the agreement to relinquish the property it appeared the bank still put the property in foreclosure. Obvious reporting me as delinquent to the 3 credit bureaus. In XX/XX/XXXX I reenlisted in the military and I credit came into questions. The property was still showing on my credit report. However, I was pending a removal status on my report. I have furnished the current report as of XX/XX/XXXX as proof that this debt is no longer on my Credit Report. I would like to add that due to my current position with the government I have been granted a Top Secret Clearance and my finances are constantly monitored. If I should make liable for this property, I have not had any interest ( personal gain ) since XX/XX/XXXX. I would lose my current position and would be in this same predicament. I have only tried to do the right thing and being cheated by a bank with such negative reputation as XXXX. My lawyer is asking me to sign paper work for cash for keys and accept {$2000.00} for a property I dont ' currently own and had no interest in. Note XXXX XXXX agreed that me leaving the property back in XX/XX/XXXX would not make me liable. Its been 11 years that this property was in possession of another party I should not be responsible and no actions should be taken against me to repay this dept.
|
| 11/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
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Good day Sir or Madam : First let me say that I am at work and I do not have access to my account or mortgage Number.
I am writing you because I wish to ask you please help my wife and I keep our home. We do not believe our story has been communicated to you correctly. Our attorney XXXX XXXX has tried to help us but we feel he is being pressured by a larger entity.
I want simply to be treated fairly. My wife and I have lived in our residence for 19 years. I am a Veteran of the cold war error. My wife has been teaching for 30 years and is ready to semi retire. We have maintained our property @ XXXX XXXX XXXX in XXXX XXXX and added ( new windows, furnace, Hot water tanks and roof ) We even replaced our entire dining room 2 years ago with our own money due to water damage. We have been unable to cash an XXXX dollar insurance check because the lender refuses to endorse the check.
We are victims of the housing crisis but we are being treated like criminals. We refinanced our home in XXXX. We were told our home was worth XXXX + XXXX dollars. At the time interest rates were high. We excepted a XXXX rate and were told that if we made all payments on time for 2 years we could refinance for a lower rate.
When we attempted to refinance in XXXX we were laughed at by the mortgage company. We had the house re- appraised and found it was only worth XXXX. I went back to XXXX and requested the initial appraisal. I was told they did not have it.
So we were stuck we could not refinance because we were upside down. Owing the then Mortgage company Litton more than what the property was worth.
In XXXX we were hit by the down turn in the economy and I lost XXXX XXXX of my income almost overnight.
I contacted Litton and requested assistance. They in turn had me fill out modification paperwork. We were accepted and made 3 payments of XXXX for the trail modification. But when we received the paperwork for the actual modification the payment ballooned to XXXX monthly. This was not what we had agreed on and I did not sign the modification.
After that we began to use online modification companies and spent approximately XXXX to XXXX XXXX dollars, bowring from our retirement funds. We were told to pay down bills to make our situation look better by the Modification companies.
I really thought we were doing the correct thing. We knew we owed the money and thought these companies were on our side. I no better now. At least 3 times we paid a retainer for their lawyer 's and all three times we were informed that Litton Loan rejected us because we made to much money. The last rejection was in XXXX. After that we heard nothing from Litton loan. No phone calls nothing. We assumed we were in foreclosure being served in XXXX. So we waited to hear something.
In XXXX our loan was purchased by Ocwen and now I find out that XXXX XXXX also owns a part of the note. We hired an attorney ( XXXX XXXX XXXX to hopefully help us get a resolution to this issue. 2 times we filled out modification paperwork and 2 times we received no response. We had meeting after meeting with our attorney. Each time XXXX XXXX would call the bank the lawyer representing Ocwen and each time he was told nothing has been done.
In XXXX we received paperwork that we were being sued by XXXX XXXX. Caught us by surprise. We had no Idea who XXXX XXXX was. There was a slight problem with the paperwork. My son XXXX was mentioned on a number of pages. We immediately called our attorney and ask why this was so. He of course had no idea.
We then received a modification notice from Ocwen. And we were unwilling to sign it. We thought our son would be hurt financially so we refused. But Ocwen sent out a notice that we missed payments and actually charged us for something we never agreed to.
We were offered yet another Modification that no intelligent person would sign. They wanted the balance of the loan + XXXX
Again I never disputed that we owed the money. My issue is that My wife and I are being unjustifiably sued by an entity that after 9 years could not foreclose on us. We in good faith tried to solve the issue. They have stalled and failed to do anything.
Now we are placed in a spot where we owe XXXX for a home that at best is worth XXXX I am not a lawyer, But it was explained to me that NYS statue of limitations gives the bank or mortgage company 6 years to foreclose. remember this started in XXXX. By my count that is more then 6 years.
I 'm not sure you can do anything. We would just want to live our lives out in the home our children grew up in. If there is anything you can do for us we would be grateful.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
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| 05/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was trying to payoff my loan with PHH Mortgage Services in XXXX, XXXX. I sent a final payment of {$5000.00} on XX/XX/XXXX. The remaining loan balance at the time was {$4500.00}.
PHH held my payment & did not apply it to my balance. When I saw the money had left my bank account, I checked online at PHH 's portal and saw the money was " unapplied '' but received as a payment.
On XX/XX/XXXX, I called PHH to find out why they would not apply my funds to my loan balance. I was told that since the payment was more than the balance they would not apply it until I requested a loan payoff quote. Had I not called, I would not have known this requirement. I was told ( on a recorded line ) that once the payoff quote was received, the funds would be applied. I requested the payoff quote & got confirmation that I DID NOT need to make my monthly payment on XX/XX/XXXX, because they already had plenty of funds being held.
On XX/XX/XXXX, I checked to see if the {$5000.00} had been applied to my loan balance. It had not & I had not received a payoff quote from PHH.
On XX/XX/XXXX, I received a secure email from PHH that contained the payoff quote letter. The email letter said the payoff was good until XX/XX/XXXX ( already past that date when I was sent the quote ) & the payoff amount was {$5300.00}. I checked the PHH portal & saw my {$5000.00} had still not been applied to my outstanding balance ( they held the money 7 days, while my loan balance continued to accrue interest & quoted a payoff balance on XX/XX/XXXX based on {$4500.00}, instead of what should have been a zero balance or {$1.00} balance on XX/XX/XXXX ).
On XX/XX/XXXX, I called PHH again & spoke with a supervisor in the USA, ( after requesting to speak to a US based rep ). XXXX XXXX XXXX came on the line and told me that I had to wire or send certified funds for the difference between the XXXX XXXX they were holding & the payoff quote amount from XX/XX/XXXX, PLUS additional interest of XXXX XXXXXXXX day before they would credit my XXXX XXXX to the loan amount. I explained the history listed above in this complaint, and that I should, at a minimum not be held responsible for interest charged between XX/XX/XXXX when the payoff quote was generated & the delivery of that quote to me on XX/XX/XXXX. She did not agree and repeated that the only way PHH would apply the XXXX XXXXXXXX I sent them on XX/XX/XXXX, was when they received the additional {$330.00} PLUS extra days interest after XX/XX/XXXX.
My contention is this - PHH Mortgage Services is committing consumer fraud, by intentionally w/holding customers funds received by them to pay down loan balances, when they realize the loan is about to be paid off, thus continuing to accrue their interest. Then when the payoff quote is requested by the consumer, they delayed delivery of that quote, until after the quote expired, to collect additional interest charges from the consumer ( me in this case ).
My payoff quote on XX/XX/XXXX, should have been calculated from a loan balance of {$0.00}, or {$1.00}, after my {$5000.00} payment was received on XX/XX/XXXX which was greater than the published loan balance. By failing to apply funds they received 3 days prior to the payoff request date, they were able to generate additional interest accrual on the high loan balance, thus increasing their profits at the loan termination. They intentionally withheld money that was sent them to pay down the loan balance for at least 7 days, as I still do not have proof that my funds will be applied despite sending the wire transfer for the additional closing costs on XX/XX/XXXX.
Please investigate this deceptive practice of profit generation by this regulated lender. I'm sure you will find that I'm not the only one they have done this too.
1 additional piece of information - as I was sending bi-weekly payments to PHH through XXXX & XXXX to payoff this loan early, they would not apply all the payment to the loan principal. They would credit a portion of the payment to the next month 's payment, and take the interest. I noticed after 3 large payments that PHH had credited my monthly payments through XXXX, XXXX, despite my payment notices that I was making " principal payments only '' and not a monthly loan payment. After I called and complained, PHH reversed the interest charges and applied all the funds to the principal, but had I not been watching the account - they would have been collecting interest that should not have been accrued due to a higher loan balance, & they were extending the length of my loan, when I was trying to pay it off early. Deceptive accounting practices where in place until the consumer notices and complains.
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| 01/16/2020 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Servicemember |
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During a period beginning in approximately XX/XX/2019, my reverse mortgage was transferred, refinanced, transferred again and finally acquired by PHH Mortgage.
1. PHH Mortgage nor their serving company ( XXXX ) have a website and thus, I am unable to check my balance, review the status of my loan, monitor payments, credits or debits or anything else without calling the customer service number provided, which ultimately goes back to XXXX ) as I understand it.
2. The Customer Service Representatives answer questions verbally but do not provide email backup or confirmation of calls or of the information they provide. When there is a dispute or question about my account, there is therefore, no way for me to confirm the validity of what the CSR says, or to hold the company liable for mis-information or incorrect information.
3. When I called to say that I wanted to make a payment via wire transfer on my account to reduce or avoid interest charges, I was told by the CSR that I would have to write to the company via U.S. Mail or the like, to request information on how to make the wire transfer.
When I objected and said that I would be calling my congressional representative and/or attorney to investigate the validity of this policy, I was put on hold for a considerable period.
I was eventually told that a Supervisor would email me the information when they got around to it.
a. The information provided was vague and difficult to follow, I had to call the bank and request special assistance to get through the process of sending the wire transfer.
b. By having to use a wire transfer I had to pay {$30.00} to send the payment, if I am required to do that on a regular basis, I will be spending hundreds of dollars per year to make timely payments on my loan, this is essentially a pre-payment penalty.
This is not only unfair, it seems or should be illegal in this day and age that I can not simply make an online payment that is credited immediately at no additional cost.
4. Both the CSR 's that I spoke to, as well as the written information that I received encourages borrowers to make payments via mail.
a. By using the mail or my banks Bill Pay, my payment is delayed by several days as it is in transit, and then another day or two after it is received by PHH to get credited to my account. This is unfair to borrowers because I am paying interest on the money everyday and thus losing money that I would not owe if payments were accepted over the phone or online.
b. This requirement to pay by mail, bank check or Bill Pay, is equivalent to a hidden charge or interest, or pre-payment penalty because the lenders are racking up interest while the funds are in transit and/or the check is being process.
Given the hundreds of thousands of people impacted by this policy, it amounts to tens of millions of dollars lost by borrowers and earned by mortgage lenders and the serving company.
5. Further, when I called to request information regarding the specifics of two separate wire transfers made to my account, I was told that I would need to speak to the Accounting department to get those details. When I asked to be transferred to the Accounting Department, I was told that they do not accept calls and that I would have to submit my questions in writing via mail and they would contact me.
This policy is CLEARLY discriminatory against any borrower who does not have the ability to write or communicate clearly, and furthermore, this policy enriches the mortgage lenders and the servicing company at the expense of the borrower, borrowers who are elderly and who may not fully understand what questions to ask or how to purse getting answers to their questions are being ripped off.
Further, the lenders " Credit Disclosure Statement '' states that an issue will NOT be addressed unless the issue or complaint is received within 60 days of the error or issue. This is RIDICULOUS, it essentially encourages the lender and the servicing company to ignore issues, to restrict access to information and data, and ultimately to profit from the misfortunes of elderly borrowers. If there is an accounting mistake, that would be an error on the part of the loan service company or the lender, why should they benefit because the borrower didn't find a mistake, ESPECIALLY when access to account information is restricted, discouraged and delayed and written statements are only provided on a monthly basis?
These policies are discriminatory, costly to borrowers, and enriching mortgage lenders and the servicing company. It is EXACTLY this kind of unfair policy and essentially fraud that caused the CFPB to be established.
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| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I currently have a mortg age with a variable interest rate ( ARM ) serviced by OCWEN Loan Servicing, LLC, which happened to adjust around XXXX of XXXX increasing the total monthly payment amount by {$83.00} to {$3200.00}. Over the years on two separate occasions, Ive attempted loan modification thru OCWEN in hopes of a better fixed rate but to no avail. That said, in order to ensure my monthly obligation to OCWEN, I have an auto-pay setup thru XXXX XXXX XXXX . Unfort unately, due to an extensive travel schedule in XXXX and XXXX I was away from home for most of those months. Unfortunately, I was unaware of the increase and consequently my payments for XXXX , XXXX and XXXX were each short by {$83.00}. Once I became aware of the oversight, I IMMEDIATELY made a payment for the balance and brought my account current. Why wasnt I notified? Why did n't OCWEN notify me by phone that my account was approaching delinquency ( 30 Day s Late )? A tri vial {$83.00} short? Consequently, OCWEN reported to the credit bureaus for all three months as MISSED PAYMENTS ( 30 Days Late ). The FACT is, those payments were NOT MISSED nor LATE. OCWEN accepted each paymentand even sent email confirmations acknowledging receipt of each PAYMENT ( note : the email confirmations did not specify PARTIAL payment but rather, PAYMENT RECEIVEDleading me to believe as I traveled, my affairs were in order ). Lastly, OCWEN chose to hold those payments in a suspense account rather than any number of other optionsall over an {$83.00} shortage. I am a responsible business owner who relies unequivocally on my credit worthiness and am incredibly concerned at this point. I understand and furthermore respect the integrity and the basic underlying policy of servicers reporting those who blatantly disregard their responsibilities and under no unique circumstances, do not make any effort to bring their accounts current. However, this is not one of those situations. According to the Consumer Financial Protection Burea u ( CFPB ), it appears two of the three ( 30 Days Late ) reports to the credit bureaus ( XXXX and XXXX ) are in VIOLAT ION of the CFPB Rule XXXX - Early Intervention Requirements for Certain Borrowers Live Contact Rule. The rule states as follo ws : 1024.39 Early Inte rvention Requirements for Certain Borrowers - Live Contact : A servicer shall establish or make good faith efforts to establish LIVE CONTACT with a delinquent borrower no later than th e 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. Due to the unique circumstance, had OCWEN abided by the CFPB Live Contact Rule and in good faith contacted me via a simple phone call no later than the 36th day, I would have gladly brought my account current and made the necessary adjustments to my auto-pay. Therefore, at the most I would have been a few days delinquent past my 30-day grace period. However, I received NO CALLS! I was not provided the REASONABLE and FAIR opportunity to be informed of the shortage in my payment. I was not made aware of the situation until early XXXX . As a result, I am left to deal wit h ( 3 ) consecutive ( 30 Days Late ) ma rks on my creditresulting in a total drop of my credit score b y over XXXX points. This is simply UNFAIR!!!. Im hoping OCWEN will consider our long lasting relationship and realize Ive been faithfully making my monthly payments since XXXX . Consequently, I would ask OCWEN to forgive the mistake and have all thr ee ( 30 Days Late ) mark s removed from my credit report. The payments were made as scheduled. Had I received a simple live contact phone call as specified in the CFPB Guidelines, I would have appreciated the opportunity and paid the trivial {$83.00}. That said, at a minimum, both ( 30 Days Late ) reports for XXXX and XXXX are in VIOLATION of the CFPB Live Contact Rule and therefore not valid. I respectfully ask and hope XXXX will honor my request. I imagine the CFPB Live Con tact rule was designed and put in place for this very reason. People travel much more these days for both work and leisure and therefore have come to rely more and more on technology including mobile phones as well as paperless statements, email notifications on account status and payments, etc. Its not only reasonable to expect mortgage servicers to adapt and to make these types of services available in order to better and more fairly communicate with its borrowers. I appreciate your understanding and look forward to your reply.
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| 11/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Original loan was with XXXX XXXX ( XX/XX/XXXX ) I paid out of escrow homeowners ins., flood ins. and property taxes, In XX/XX/XXXX my mom got really sick and XXXX in XX/XX/XXXX. I had been traveling a lot during this time to Michigan to be with her and I had fallen behind in mortgage payments but always contacted XXXX with promise payments, I had never fell more than 2 months behind in payments. I made a huge error and forgot to pay my XXXX property taxes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was extremely close to my mother.
In XX/XX/XXXX XXXX brought this to my attention, I made a promise payment to them that I would have my XX/XX/XXXX property taxes paid before the end of XX/XX/XXXX they gave me no reason to believe that this would be a problem, I have always followed through with every promise payment during this difficult time. I went to a XXXX bank teller XX/XX/XXXX to paid monies owed for XX/XX/XXXX property taxes. The bank teller directed me to XXXX XXXX a financial service rep. I told her my story and showed her that I had the money to pay my balance owed. After an hour of waiting for her she told me that she could not help me and I had to go see the attorneys, XXXX XXXX XXXX that XXXX was foreclosing on my home, and to go see these attorneys to re-instate my home. I went to XXXX XXXX XXXX that day, I walked into the office and asked the woman behind the glass to help me with my problem, I told her my story and gave her all of my information. I waited 40 minutes only to be told that I must be confused and she does not have my name or loan number in her files. Now I went back to XXXX to speak to the financial rep., to only wait an hour before I was told by her to go back to the attorneys office and they would help me now. so I proceeded to go back to XXXX XXXX XXXX, after I arrived, only to wait another 30 minutes for XXXX XXXX to walk into the office and tell me that they would contact me when the re-instatement figure was ready. I visited that office everyday for the next 2 1/2 weeks, until finally I reicieved an email late evening XX/XX/XXXX that my re-instatement was ready. I immediately paid that bill the next morning. Now the 2nd part of my nightmare begins, XXXX sold my loan to XXXX. I had been making mortgage payments to XXXX XXXX on time every month, I learned my lesson with late property taxes. A couple of months into my new lender, XXXX, I was now told that I have an escrow account of XXXX, and they are now foreclosing on me. After several months of calling XXXX every evening, faxing, e-mailing, overnight certified mail proving to this lender that I do not have a escrow account, and I am current on taxes, ins etc.the problem is resolved, now my loan was sold to Ocwen. So I start to pay Ocwen my mortgage payments on time. I sent my property tax payment out in XX/XX/XXXX when they are due, only for the county to send me back my check and was told that my taxes were already paid. And then I received a foreclosure notice from Ocwen that I owe them XXXX. I sent Ocwen the payment for the property tax, I sent them proof of homeowners ins., flood ins. and explained them in writing that with the tax payment I am current. They would not give me the time of day, the staff with this lender was horrible and would not work with me to even listen what I had to say. I was told to send proof and I did several times. Ocwen would not stop the foreclosure, I had no choice except to hire an attorney, which I did, The XXXX XXXX XXXX. This attorney did nothing except delay the matter and take my money. I was re-assigned a different attorney every time I called to get an update. Now it is XX/XX/XXXX, I filed chapter XXXX bankruptcy in XX/XX/XXXX to save my home. ( my bankruptcy only includes my house, and I am paying 100 % back ) I received my proof of claim, and yes all of the re-instatement fees that I already paid along with property taxes, homeowners ins and all other ridiculous fees I am being charged in my proof of claim. My original amount owed is {$120000.00}. the claim is for {$240000.00}. I have tried to work with this lender on several occasions, only to be talked down to and called a liar by them. I am proud of myself for hanging in there but I am tired, I need help getting these fees removed. Can you help me? I have not attached docs due to so many and so much personal information on them. I am willing to send to the CPFB anything that you will need to prove my case. I have saved everything. Please help, after doing much research this year I believe that I am a victim of the mortgage melt.
Thank you in advance, XXXX XXXX XXXX ( XXXX ) XXXX
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| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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We are in the process of losing our home to the combined swindles of our house insurance ( XXXX XXXX ) and our mortgage bank ( XXXXXXXX XXXX, servicer Ocwen. Our immediate situation is that the house is posted for foreclosure auction to be held this Friday XX/XX/XXXX at XXXX. We are submitting this complaint to add our case to those you have studied for the CFPB suit currently served against Ocwen, and of course to see if the existence of that suit can offer any relief against the impending foreclosure. In addition to the systemic misbehaviors of Ocwen described in the CFPB complaint -- which have shown up in our house 's case too -- our particular mortgage contains multiple fatal defects in its chain of custody, described in the attached document Mortgage Defects and summarized at the bottom of this description. The history of our loss is described more fully in the attached document Overview. We are a family of XXXX, with XXXX XXXX born in XX/XX/XXXX. We own a house where we lived until the end of XX/XX/XXXX, in XXXX, Massachusetts. In outline, the history is as follows. ( Since the web site interface appears to jam my paragraphs together, I have supplied some section headers in all-caps : ) DAMAGE TO HOUSE ; RENEGED INSURANCE : > > In XX/XX/XXXX the house suffered a heating-system freeze which ruptured pipes many places and produced a catastrophic hot-water flood when the pipes thawed and the boiler resumed operation. We were away but learned of the accident and contacted our insurance adjuster, who assured us that the house would be properly dried out. This was not done and consequently all its walls filled with mold. > > The insurer initially declined even to have the house tested for mold. Finally when pressed, in XX/XX/XXXX, the insurer sent a hygienist to test the house, but this hygienist chosen by the insurer diagnosed only a tiny fraction of the contamination. > > when the true extent of the mold was discovered in XX/XX/XXXX, the insurer reneged on paying any realistic repair cost. We took the insurer to arbitration in XX/XX/XXXX, but the arbitration process in our state is toothless and we were awarded only a fraction of the funds needed for rebuilding.
BAIT-AND-SWITCH OF MORTGAGE : > > meanwhile in XX/XX/XXXX we had sought a small second mortgage. We were then baited and switched by the lender into refinancing our entire mortgage with this lender, who ( through a front ) was Option One, who later settled in a class-action suit for predatory lending, brought by the Attorney General of Massachusetts. FAILURE OF MORTGAGE SERVICER TO REIMBURSE ESCROWED FUNDS : > > What funds we were awarded from the insurance arbitration ( in spring of XX/XX/XXXX ) were placed in escrow with the mortgage servicer of the lender whose behavior I have described above. Our attempts to get them disbursed when we present bona fide invoices has been met with a range of intransigence and incompetence starting with a business model that refuses to establish a single knowledgeable point of contact, and then including conflicting instructions, rules invoked that do not apply, nonsense written into our file, and notices predicated on years-old status of the file all resulting in failure to reimburse our invoices or even acknowledge receipt of them and finally in two extensive memos of outright prevarication, in response to two successive requests by the Massachusetts Attorney General for an explanation of why our invoices have not been reimbursed. These memos, annotated for their inaccuracies, are attached as Annotated Ocwen escrow response # 1 and Annotated Ocwen escrow response # 2. The respective original PDF response from Ocwen is appended to each file. DEFECTS IN CUSTODY CHAIN OF MORTGAGE : > > After Option One was closed in XX/XX/XXXX by the State of California for failure to file audits and reports, our mortgage was purportedly assigned in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, whose trustee is XXXX XXXX However : > The closing date for assets to be placed in this trust was in XX/XX/XXXX ; > In XX/XX/XXXX the CEO of the prior claimant ( XXXX XXXX XXXX, successor to Option One ) had sworn that his company no longer held any residential mortgages ; > The purported assignment was not done from the sole authorized depositor to place assets in the trust, but was done simply in the name of XXXX XXXX ; > On the purported Assignment document produced at robo-signer XXXX XXXX in XXXX, Georgia the persons signing as purported officers of XXXX XXXX are actually known robo-signers who are simply employees of XXXX. These defects are described more fully in the attached file Mortgage Defects.
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| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX , XXXX To whomever can assist me with this unprofessional, unethical, dishonorable mortgage servicing company, Ocwen Loan Servicing LLC : Timeline of events Ocwens apparent reversal of Reaffirmation Agreement signed XXXX / XXXX / XXXX and increase of payment on mortgage servicing loan # XXXX XXXX , XXXX After six months of which the bankruptcy discharge was being held up by Ocwen, the Reaffirmation Agreement for the mortgage was signed by Ocwe n Loan Servicing LLC. This was only with the help and intervention of the GA District Attorneys office who intervened when I reported the delay and continued shuffling of people and loss of paperwork provided by Ocwen in the process with my lawyers. XXXX XXXX , XXXX Ocwen increased mortgage payment from signed Reaffirm Agreement from {$ 950.00} per month for 254 months to {$1200.00} for an undetermined time frame. XXXX XXXX , XXXX I received a call from XXXX XXXX XXXX XXXX ID # XXXX who advised me he was my relationship manager and if I had any questions. I asked him about the loan modification process for the interest rate and he informed me since I was in a mortgage assistance program I did not qualify. At no time did he mention the increase of the mortgage to {$1.00}, XXXX which had just occurred in XXXX XXXX . XXXX , XXXX , XXXX I called XXXX XXXX and after an hour on the phone in wait time and discussion with him he made a request to the Research Department who will do the research into the increase with the Bankru ptcy Dept. He said it would take approximately ten days and based on their findings they will correct the statement. The address given at that time for correspondence was : XXXX XXXX XXXX XXXX XXXX , FL XXXX Th e Ocwen Bank ruptcy Dept. pho ne number provided was XXXX and Fax # XXXX I was then transferred to XXXX ID # XXXX who was rude and tells me the reaffirmation does not change the note. My response was, I can assure you, the Reaffirmation Agreement signed by Ocwen on XXXX XXXX , XXXX most assuredly changes the payment terms on the mortgage. Otherwise, there would be no need for it! Since the date of that conversation, no one at Ocwen has contacted me on the matter or will address why they will not adhere to the Reaffirmation Agreement they signed. I have made two calls to Ocwen since then, I get the circus of transfer, and at this point refuse to speak with anyone there. Documenting everything is the only way to go with them through a third party who perhaps can find and seek the answers and they will not provide to me. Therefore, I am requesting your help. It appears Ocwen will not respond to my concerns and I can no longer continue wasting calls, time and an unending amount of effort with no answers or resolution on the matter.
Once again, as a mortgage servicer ( and I already have a very poor history of experience with Ocwen as my sixth -- and worst -- mortgage servicer on this loan ) Ocwen continues to provide incorrect, biased, rude and delayed answers and treatment to me and any concerns I have about my mortgage with the latest issue being the increase and alteration made to the monthly mortgage repayment as agreed to on the Bankruptcy Reaffirmation Agreement. Additionally, Ocwen will not work on providing ANY form of interest rate loan modification citing the reason as I am in a mortgage assistance program. As of the date of this letter, they continue to send a mortgage statement and demand payment for {$1200.00} from the mortgage assistance company who is lending me the mortgage money to pay Ocwen until I find gainful, sustainable employment. At this time, I am requesting assistance, guidance, advocacy and intervention with this matter and request th at Ocwen Loan Servicing revert and honor the monthly payments of {$950.00} for 254 months as agreed in the Reaffirmation Agreement dated XXXX XXXX , XXXX ; that they reverse and waive incorrect fees and/or late fees from XXXX XXXX , XXXX ; and apply monthly {$250.00} overages from the time matter began ( XXXX / XXXX / XXXX ) to future mortgage payments. As of the date of this letter, and the amount of overages charge d by Ocwen totals {$3100.00}. This ha s been going on for a year now. In the event a copy of the Bankruptcy Discharge is required, I can readily provide a copy for you as well. It was only AFTER Ocwen signed the Reaffirmation Agreement that the Bankruptcy was filed and discharged.
Thank you for your time and I sincerely appreciate ANY assistance , intervention or guidance you can provide in this matter.
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| 01/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Previous Case # XXXX was closed for some reason - because Ocwen provided a response and explanation, however, my situation was NOT resolved and Ocwen 's response is completely incorrect. I am compelled to reopen another case.
In an email from XXXX XXXX in the Ombudsman Office dated XX/XX/XXXX - It was stated that Ocwen was going to reverse all previous modifications completed on my account. It also stated that my Modification from previous servicer XXXX would be honored. Since then, Ocwen has completed two modifications on my account, however, none of these ever matched the XXXX monthly payment. It was still significantly higher. 1st Mod Completed/Executed in XX/XX/XXXX ( which is the one that was supposed to honor the XXXX Modification ) and 2nd Completed/Executed in XX/XX/XXXX. I was advised by Ocwen that if the terms were not satisfactory, that I could appeal and/or reapply for a new modification. All I ever wanted was for Ocwen to honor the exact terms of my XXXX modification. Yes it has since expired but it was never really honored to begin with. I applied for a new modification in XX/XX/XXXX and received a response back from Ocwen stating that I am denied because my " account is either 90 days or less than 90 days delinquent ''. Because of this letter, I went beyond 90-days delinquent and reapplied for a new modification in XX/XX/XXXX. I am now told that I am denied because I have " met the maximum amount of modifications allowed ''. On the denial letter dated XX/XX/XXXX, there was no mention of this. Upon opening my previous case with CFPB ( # XXXX ) - I began working with XXXX XXXX. XXXX advocated for me in trying to get the " Investor '' to agree to modify my mortgage account one last time. In an email from XXXX dated XX/XX/XXXX - it stated that my " account has reached the maximum number of modifications ( 3 ) allowed by the servicer but that he has reached out to the Investor to determine if an exception can be made to allow another modification. It was also verified with him via phone conversation that 3 is the maximum modifications allowed. I now realize that Investor approval was NOT necessary as there were only two actual modifications completed on my account. I was told just today by XXXX that allowing another modification was denied. However, I have not met the 3. I have only done 2 modifications so I should be allowed another.
I also wanted to clarify a letter that I received from XXXX XXXX at Ocwen 's Ombudsman Office dated XX/XX/XXXX. Explaining all previous modifications done on my account - it states throughout the letter that X modification brought the account due for X through X installment. This is absolutely incorrect. As explained by my Attorney, upon my filing for Chapter XXXX - all delinquency gets placed in an " arrears '' account and payments made to my Bankruptcy Trustee covers that. Therefore, as of XX/XX/XXXX upon finalization of my Bankruptcy Chapter XXXX - I would have been due FOR XX/XX/XXXX. I had made all payments accordingly since filing. As already verified by Ocwen, in XX/XX/XXXX, previous Servicer XXXX had modified my mortgage in its entirety - so XXXXXXXX XXXX statements referencing " satisfying X through X payments '' - is an incorrect and basically MOOT point.
RECAP : XX/XX/XXXX - I am delinquent {$24000.00} with XXXX.
XX/XX/XXXX - I file for Bankruptcy Chapter XXXX - Approved by the Court.
XX/XX/XXXX - I pay accordingly each and every month thereafter.
XX/XX/XXXX - XXXX modified my Mortgage and therefore, I am no longer delinquent. The {$24000.00} goes away ( as it is in the modification ). My Attorney moves to convert to Chapter XXXX as a result of this.
XX/XX/XXXX - Ocwen acquires my loan as if none of the above ever occurred. Yes Ocwen tried to modify my mortgage terms and rectify matters but they failed to honor any of the above. Ocwen won't allow repayment on my account as they say that I am protected by Chapter XXXX. However, my Attorney says that Court documentation proves that I have reaffirmed my mortgage ( regardless that Ocwen did not send me an actual Reaffirmation Agreement ) - and that Court document DOES allow Ocwen to work with me on repayment terms. Per XXXX, their hands are tied. This is not correct.
Where I stand today is trying to get Ocwen, to modify me one last time - and as I see - as explained all above - I should be allowed this. Documentation is attached and referenced by asterisk. I am only attaching a few pages of back up - as I have 3 LARGE files of back up. I am hoping that the backup provided will suffice. I would love to provide more backup if needed and on request.
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| 02/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Texas Department of Savings and Mortgage Lending XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Office of Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, TX XXXX United States Securities and Exchange Commission XXXX County Sheriff Office of Consumer Fraud XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Ocwen Loan Services Attention Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flordia, XXXX This is in respond to a dispute sent to Ocwen who requested more time from the CFPB. Ocwen is moving to foreclosure violating Debt Collection Laws, violating Texas Property Laws committing Fraud by not providing the lender of the loan and sending the home to foreclose despite the dispute I have spoken with Ocwen and their Obudsmans XXXX who has informed me they will be moving forward with a foreclosure after filing a dispute under US code moving foreclosure sale scheduled XX/XX/XXXX. I sent a dispute to OCWEN to send the Name, and address of the lender who has the payable deed, promissory note showing the lender. I have only received information ( 1 ) That Ocwen is the servicer ( 2 ) That the lender is a group of investors ( 3 ) that the lender is XXXX as listed in the notice for foreclosure sale, which is fraud due to the loan was sold in XXXX. ( 4 ) Ocwen also has listed XXXX XXXX as listed in the instrument debt and obligation of modifications, liens, and promissory notes. I have not signed any documents with XXXX XXXX. Ocwen has yet to send any proof of who owns the loan.
I spoke with XXXX XXXX informing her that there is an error in the Notice of Trustee Sale posted at the county. They have XXXX as the lender who sold the loan to XXXX XXXX. XXXX stated that is who they show as the lender. I said that is impossible being they sold it how can that be when my payments were no longer going to XXXX but XXXX XXXX XXXX and XXXX as the servicer. Ocwen is the servicer now and stating the lender is XXXX this is not true and it is a fraud. I am needing some answer and this is a disputed debt. I am demanding the foreclose sale date is remove. Ocwen can provide the information or not an if they can not they must cease and desist. I am not affording them any more time they are to stop this foreclosure which is fraud.
XXXX XXXX ( 4 ) XXXX XXXX without notifying notes indicating to proceed.
Ocwen refused to cancel the foreclosure stating they put it on hold internally this is a violation of debt collection laws and Texas foreclose laws. They stated they put it on hold in their internal office leaving the Foreclose in place for XX/XX/XXXX while they do their investigation this is illegal.
PROPERTY CODE TITLE 5. EXEMPT PROPERTY AND LIENS Sec. 51.002 ( d ) Notwithstanding any agreement to the contrary, the mortgage servicer of the debt shall serve a debtor in default under a deed of trust or other contract lien on real property used as the debtor 's residence with written notice by certified mail stating that the debtor is in default under the deed of trust or other contract lien and giving the debtor at least 20 days to cure the default before notice of sale can be given under Subsection I was not given 20 days from when you filed for foreclosure to cure the debt. You just sent me a notice of foreclosure sale and posted the home for sale before the 20 days were completed.
( b ). The entire calendar day on which the notice required by this subsection is given, regardless of the time of day at which the notice is given, is included in computing the 20-day notice period required by this subsection, and the entire calendar day on which notice of sale is given under Subsection ( b ) is excluded in computing the 20-day notice period.
( e ) Service of a notice under this section by certified mail is complete when the notice is deposited in the United States mail, postage prepaid and addressed to the debtor at the debtor 's last known address. The affidavit of a person knowledgeable of the facts to the effect that service was completed is prima facie evidence of service.
Sec. 51.0075. AUTHORITY OF TRUSTEE OR SUBSTITUTE TRUSTEE. ( a ) A trustee or substitute trustee may set reasonable conditions for conducting the public sale if the conditions are announced before bidding is opened for the first sale of the day held by the trustee or substitute trustee.
( b ) A trustee or substitute trustee is not a debt collector.
Please note according to Texas 51.0075 a trustee or substitute trustee is not a debt collector. XXXX is listed as a debt collector and so is XXXX, XXXX is listed as a debt collector.
Sincerely, XXXX XXXX
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| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My ex-husband and I bought our home in XXXX and opted for a XX/XX/XXXX mortgage with XXXX and XXXX respectively. The larger mortgage was sold to XXXX and then to Ocwen. We have subsequently divorced, and because I had been paying for the mortgage since the initiation of the loan, the deed was put into my name but both out names remained on the loan in order to avoid unnecessary closing/refinancing costs. Unfortunately, he filed for bankruptcy in XX/XX/XXXX and I lost the ability to track my account online. I called Ocwen several times in order to remedy this and was told that I could not be listed as the primary borrower and that because it was in bankruptcy I could not access the account online and could not receive statements as that would be perceived as an attempt to collect a debt. As the years passed, I paid {$950.00} ( slightly above the minimum payment monthly and on time. The entire time, the loan was paid from my account. To date, I have not received any phone call or written documentation that there was any concern with the mortgage. In XX/XX/XXXX I had to leave my job due to health reasons, and have continued to pay the mortgage, but did miss three payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but that am currently paying on time. About a week ago, my ex-husband received a " Motion for Relief of Bankruptcy '' stating the mortgage was behind 7 months and in the amount of {$5700.00}. I was shocked and because I had no online access, I called Ocwen and after being on the phone with them for about 2 hours, I was shocked to hear what was happening with my account. During this phone call, on XX/XX/XXXX, I spoke with XXXX ( # XXXX ) and XXXX, an escalation manager, ( # XXXX ). I let he know that I had not received any notification of concern and that if my ex-husband and I were not on good terms, I would have had no idea that there was as a very big an issue with the loan. She let me know that the account was actually listed as {$7100.00} behind and that the reason that I couldn't access the account information online was that the account number for the loan changed when my husband filed for bankruptcy. She helped me register the new loan number and reviewed the history of the loan. Apparently in XX/XX/XXXX, the monthly payment went to {$960.00} ( about {$18.00} more than I was sending each month ) and the payment was sent to a suspense account and the loan was deemed delinquent. I received no notice of this. In XX/XX/XXXX the loan rose to XXXX each month, in XX/XX/XXXX, the loan rose to {$980.00}, and in XX/XX/XXXX, the loan rose again to {$1000.00}. Again, in these three years, I received NO notification that there was a concern with the loan, received no phone calls or written statements, and was blocked access to the account information online. Each month, I sent the {$950.00}, and each month is was marked delinquent as it was not the full contractual amount. I asked XXXX ( # XXXX ) what my options were. She said in order for the motion to be removed, I would need to pay the full {$7100.00}. I reminded her that I was never notified about the issue, that that was a very large amount for a single mother of XXXX on a XXXX salary to come up with on such short notice. She said that because my ex-husband was under bankruptcy protection, the bank would not remove the motion and allow the {$7100.00} to be distributed over a few months period and added to the contractual amount. I asked if my ex-husband 's name was removed, if I could renegotiate a payment for the amount in arrears and she said the only way to have my ex-husband 's name removed from the account and she said I could refinance the loan, or apply for a " formal assumption '' both had closing costs involved which would only add to the cost of the loan. She said that if the court approved the relief of bankruptcy that Ocwen filed on XX/XX/XXXX, that the account would be sent to " reinforcement '' and I would have to pay the {$7100.00} due or risk the company moving forward on foreclosure. Since Ocwen has a terrible reputation for unfair lending practices, mismanagement of escrow accounts and has settled class action suits in at least 10 states, I asked for a transcript or recording of our conversation. She said that those were only available through the research department and usually with a subpoena. She did give me the case number ( Case # XXXX ). If I had been sent even one notice between XX/XX/XXXX and present, I would have been easily able to adjust the amount I was sending each month, rather than racking up this HUGE payment and having my account marked as 7 months delinquent.
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| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am unable to get any formal reply regarding my release of liability request from PHH Mortgage. I went through a divorce last year and as part of the proceedings, I was to remove my ex-spouse from the mortgage by XX/XX/XXXX. I completed my application with PHH in a timely fashion to ensure I could provide my reply to the court by then. I am financially qualified to carry the loan independently and want to avoid refinancing given the current state of interest rates. PHH provided a time frame of 45-60 days to review my release of liability application. I still have not received a decision as of today and it has been 127 days since my check for the application fee was cashed. Every single person I have communicated with at the company has lied. It's criminal how the organization is run. Below are my notes regarding communication with PHH.
XX/XX/XXXX Application mailed XX/XX/XXXX Tracking indicated it was received XX/XX/XXXX {$370.00} processing fee cashed XXXX sent an email to customer service requesting an update on the application status and quoted 3 business days for a reply from the Research department XXXX call back after not receiving a reply to email ; at that time I am assigned to XXXX, an escalations manager who promises a call back in 48 hours with more information XXXX call back after not receiving a reply from XXXX. I am told I can not speak to anyone else now that XXXX has been assigned to my case. I am assured she will call me back with an update. At this time, I am told that my 45-60 days review process did not start until XX/XX/XXXX. No one can explain to me why my check was cashed on XXXX but the application wasn't given to the correct party until XX/XX/XXXX. I am just expected to accept that situation. I asked to speak with a supervisor and was told I can request a call from a supervisor. I offered to hold but this request was refused, but I was assured a supervisor would call within 48 hours. A supervisor never called. I was provided an email address directly to the release of liability department ; when I sent a message to the address it was kicked back because the email address doesn't exist.
XXXX missed call from XXXX ; I called back within 30 minutes and had to submit another request for a callback from XXXX. Emailed XXXX because " rol '' address was undeliverable. Also reached out via Contact Us on the site and sent an email to customer care and research. I never received a reply from anyone.
XXXX Emailed customer care and research departments at XXXX. Called at XXXX. I was given the same generic email reply quoting XXXX days to review. When I called, they said they would have XXXX call me back.
XXXX Still no call back from XXXX XXXX and they will not assign a new escalations manager despite my requests. I emailed customer care and research again. Their generic reply continues to quote XXXX days even though it has been 60 days since the application fee was cashed.
XXXX Still no call back from XXXX XXXX and they will not assign a new escalations manager despite my requests. I emailed customer care and research again. Their generic reply continues to quote 45-60 days even though it has been 60 days since the application fee was cashed.
XXXX Still no call back from XXXX XXXX and they will not assign a new escalations manager despite my requests. I emailed customer care and research again. Their generic reply continues to quote XXXX days even though it has been 60 days since the application fee was cashed.
XXXX Still no call back from XXXX XXXX and they will not assign a new escalations manager despite my requests. I emailed customer care and research again. Their generic reply continues to quote 45-60 days even though it has been 60 days since the application fee was cashed.
XXXX We are 60 days past their falsified receipt date of XX/XX/XXXX and I am now being threatened to be held in contempt of court by my ex-spouse 's legal representation. I call again and demand a new escalation manager as well as some real information about the status of my application. I am told, " great news- it looks like XXXX should hear from the release department tomorrow and will call you. '' XXXX I receive no contact from anyone at PHH .
XXXX I call back and am told, " You will receive an answer when you receive one. '' I am now being given no timeline, no update, no point of contact, and no explanation about why PHH has continued to lie to me repeatedly. I am just expected to blindly wait.
Please help me. I desperately need an answer from PHH regarding my release of liability application and have exhausted my means.
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| 01/18/2024 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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THIS IS OUR RESPONSE TO PHH MORTGAGE WHICH SENT US AN EMAIL PROVIDING THEIR ANSWER TO TWO OF OUR COMPLAINTS WITH THE CFPB *** Office of Consumer Ombudsman c/o PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX COPY : THE CONSUMER FINANCIAL PROTECTION BUREAU Sir XXXX This is to confirm receipt of your communication sent via email and dated XX/XX/XXXX where you indicated you have responded, through your counsel, to two complaints we filed with CFPB : - Fraudulent mortgage s/b fraudulent mortgage assignment - Incorrect balance Fraudulent mortgage assignment We note that you are not a party to what we assert as a fraudulent mortgage assignment done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX or four years after the Trust RAMP Series XXXX closed and no more assets can be added.
That fraudulent deceptive assignment was between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
That complaint was not against PHH Mortgage but against XXXX XXXX. We are not sure why you are responding to that, unless you are speaking for XXXX XXXX.
Your counsel, we believe, missed the issue involved in that fraudulent transaction. They kept alluding to the the mortgage follows the note concept. As important as the issue is, that is not why we are complaining that the assignment of mortgage was fraudulent.
We assert that XXXX XXXX has acted in bad faith, has dirty hands and manipulated the assignment of mortgage to themselves so they can grab the property through a foreclosure, except that they appear to be foreclosing on an unsecured note.
1. First, they filed a foreclosure as the Trustee of the XXXX XXXX XXXX XXXX where the note is part of or securitized in.
2. Note : The Trust does not own the mortgage ( or security instrument ). No more assets to be added after it closed on XX/XX/XXXXXXXX XXXX XXXX
3. The Trustee owns the mortgage ( by virtue of an assignment of mortgage that we assert to be fraudulent and invalid ) 4. So XXXX XXXX is foreclosing on an unsecured loan Incorrect Loan Balance Your counsel indirectly stipulated and admitted in their response that XXXX XXXX did in fact receive a sum of money as part of the XXXX XXXX XXXX huge settlement with XXXX XXXX. Your counsel is labeling XXXX XXXX share of this settlement as something else.
They are not disputing that it is for XXXX XXXX XXXX XXXX which is where our loan was securitized. And the ( we presume ) large amount that XXXX XXXX received from the XXXX XXXX settlement was not specified.
It appears indisputable that XXXX XXXX received a large sum ( presumably ) as a part of the XXXX XXXX XXXX settlement for RAMP Series XXXX. Our loan was securitized and part of that Trust.
All these years, XXXX XXXX kept quiet about this large settlement they received. Now that it is in the open, they have finally admitted receiving that large sum as part of that {XXXX XXXX settlement but they want to label it for something else.
In the meantime, they are claiming that our loan balance, and the other loans in the Trust, is unaffected by those monies they received.
It seems that the other loans in the Trust should be complaining as well that their balances should be adjusted as a result of that huge payout received by XXXX XXXX.
We intend to get to these details and specifics when we get to the appropriate discovery motions.
FDCPA ( Federal Debt Collections Practices Act ) We are not disputing that under the FDCPA mortgage services are not classified as debt collectors as claimed by your counsel.
However, federal appellate courts and trial courts have held/ruled that a mortgage loan servicer who is assigned a mortgage loan debt while it is in default is a debt collector and is thus governed by the FDCPA.
Our loan with PHH Mortgage is in default, thus PHH Mortgage is bound to follow the FDCPA and refrain from 1 ) unfair, deceptive and manipulative practices, 2 ) validate the debt is not inaccurate or grossly misstated - we have pointed to them many times that the loan balance is wrong 3 ) harassment calls 4 ) dual tracking You have not, despite our repeated requests, provided any validation of the debt. There have been several loan principal forgiveness under Ocwen that appears not reflected in the loan balance.
Also during the transfer of loans from Ocwen to PHH Mortgage there have been complaints that your servicing software had errors and flaws. You have stopped sending us mortgage statements for the last 10 months. You are clearly in violation of the FDCPA.
Sincerely, XXXX XXXX XXXX
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| 07/18/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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O n XX/XX/XXXX I found out that Ocwen was supposed to send a a Non- Approval stating why I was denied loan modification. The Non-Approval letter should have the Net Present Value ( NPV ) that Ocwen used to decide non approval for all of loan modification from XX/XX/XXXX to XX/XX/XXXX . Ocw en has violated my Civil Rights under the 14th Amendment, procedural due process. Ocwen treated my application different from other applicants. Sending every applicant a non approval letter with the NPV was mandatory if the individual was denied the loan modification. The federal gave applicant a way to double check to make the loan institution used the correct numbers. I was never given that chancertain. Ocwen is receiving federal funds from the government, and is not in compliance of Title VI of the Civil Rights Act of 1964 dealing programs and activities. MAKING HOMES AFFORDABLE was a program that was funded by the federal government.. TITLE VI SUBCHAPTER VFEDERALLY ASSISTED PROGRAMS states the following : 2000d. Prohibition against exclusion from participation in, denial of benefits of, and discrimination under federally assisted programs on ground of race, color, or national origin. No person in the United States shall, on the ground of race, color, or national origin, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving Federal financial assistance. ( Pub. L. 88352, title VI, 601, July 2, 1964, 78 Stat. 252. ) AS I stated before Ocwen has refused to make available the NPV for my loan modification denials. No NPV was done for any of my loan modification because Ocwen refused to make them available to me.In Ocwen 's response, it was conveyed thatasking to see the NPV was addresses in my two previous complaints. If it was addressed, why do n't I have copies of the NPV. Ocwen 's sent me several documents along with reply to previous complaint. Nothing in that package discussed NPV. Below is the reply Ocwen emailed to me on XX/XX/XXXX : XX/XX/XXXX Lo an Number : XXXX XXXX XXXX XXXX E-mail : XXXX Property Address : XXXX XXXX XXXX XXXX , AL XXXX Dea r XXXX XXXX XXXX , Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 You requested us to provide Net Present Value ( NPV ) used for the modifications during the years XX/XX/XXXX to XX/XX/XXXX .
Response : Ocwen previously received substantially similar correspondence regarding the same issue, concern or request for information. A response to that inquiry was issued on XX/XX/XXXX by our Ombudsman department. As this request does not contain new or material information, we respectfully request that you refer to responses previously provided by Ocwen. Please contact us if a new issue or concern arises or if you like to request new information that was not received in a prior response. As of the date of this letter, the loan is due for XX/XX/XXXX payment. For any further information, you may contact our Customer Care Center at XXXX ( Monday through Friday XXXX XXXX to XXXX XXXX ET, Saturday XXXX XXXX to XXXX XXXX ET and Sunday XXXX XXXX to XXXX XXXX ET ).
We hope Ocwen 's response addresses your query. Please take the brief survey on the link below. The survey will provide us with valuable feedback regarding your opinions on how we met your expectations with the response you received to your query. We understand your time is valuable and we greatly appreciate you providing your opinions in order to help us serve you better. Helping Homeowners is What We Do! XXXX XXXX XXXX loan= XXXX NMLS # XXXX XXXX This communication is from a debt collector attempting to collect a debt ; anyinformation obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally.
NO OCWEN 'S RESPONSE DID NOT ADDRESS MY QUERY. I WANT COPIES OF THE NET PRESENT VALUE USED TO DENY ME A LOAN MODIFICATION. IT IS MANDATED BY THE FEDERAL GOVERNMENT.
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| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My complaint is regarding the PMI cancellation of my home at XXXX XXXX XXXX, XXXX XXXX, OH, XXXX.
I never received an annual written disclosure with my amortization schedule or my right to PMI cancellation.
Per the CFPB report attached an Automatic Termination of PMI supposed to take place when the principal balance of the mortgage is 1st reached 78 % of the original value of the secured property. The PHH mortgage service who services all Ocwen bank mortgages clearly stated that they did an evaluation of the property back in XXXX and home value appraised at {$290000.00} which is over 78 % per their calculation. They never cancelled the PMI in XXXX and thereafter I NEVER received any notice/ annual disclosure of my home value or PMI cancellation notice as PHH claims they sent. After requesting PHH for an amortization schedule on XX/XX/XXXX, it came to my email two days later.
I am a license realtor, and I have a unique home which should be valued at $ XXXX and my original mortgage was {$260000.00}. Comparable homes attached.
I called PHH on XX/XX/XXXX, regarding an increase in my mortgage payment. After getting nowhere, I asked for a manager and was transferred to XXXX, the escalation manager, id # XXXX. She tried to say that the due to an increase in my property taxes and homeowners insurance is why my payment was higher. I asked her for a cost breakdown of what I was being charged.
She gave me a cost breakdown and mentioned that the PMI was {$2200.00} annually/ XXXX XXXX monthly. I asked her why I was still being charged PMI after 20 yrs. and why it wasnt it cancelled when my home value reached 78 % of the original mortgage? She said that in order to have it cancelled I needed to write a letter to request to have the PMI cancelled. She said they mailed me letters every year with the instructions and that I never contacted them. I told her that I never received any such letters. She said a BPO was done in XXXX and the value was {$290000.00} which was 78 % of the original loan amount. I asked why the PMI is not listed on my monthly statement. She replied that it is included in the escrow, ( taxes and/or insurance ). She said she would email me copies of the letters and a payment history. Several emails would not open, so I called back on XX/XX/XXXX and spoke to XXXX. He said I could send a cancellation request to the PMI insurance company ; XXXX XXXX XXXX XXXX and gave me the address. He said he did not have a phone number but should look up their website.
On XX/XX/XXXX I spoke to XXXX at XXXX XXXX XXXX She mentioned that PHH is a terrible company to work with since they are based overseas and difficult to get any cooperation. She said that based on the Homeowners Protection Act, HPA/Dodd Frank , PHH should have automatically cancelled the PMI at 78 % and as a borrower, I cant cancel the PMI and I do not need to write a letter. I mentioned that this what I understood from the CFPB report. She gave me the email for XXXX XXXX since she is in FL and better at responding.
I emailed XXXX on XXXX XX/XX/XXXX. She forwarded my email to XXXX XXXX XXXX, who then sent it to XXXX XXXX XXXX. The following employees from XXXX XXXX were also copied on the email ; XXXX XXXX, XXXX XXXX and XXXX XXXX.
On XX/XX/XXXX XXXXXXXX responded that they reviewed the PMI cancellation, and that XXXX XXXX does not have an AVM or the property does not have an acceptable confidence score and I would need a BPO or appraisal. I feel this is very vague and meant to mislead me. I asked when the last BPO was done and what value was given. I have not received a response from anyone since then. Again, when the company did the BPO ( Brokers price Opinion ) back in XXXX was {$290000.00}.
Please advise as to what legal recourse I have in this matter. According to my calculation, I have been paying {$2200.00} PMI per year since XXXX. That equates to {$35000.00} total. I spoke to a real estate attorney who said to reach out to your organization to file a complaint.
I feel PHH is in violation of the HPA/ Dodd Frank law and needs to refund the fraudulent PMI charges plus interest and any damages. If I could have invested that money into my IRA account it could have grown much more and did not have work so until age of XXXX to retire. I do work 60 hours a week. I am sure there are others in the same boat as PHH does not have a procedure as a loan servicer to follow though and have weakness in their system.
Again, I am a XXXX XXXX with a good standing in Ohio and comparable properties attached are very accurate.
Sincerely XXXX XXXX
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| 07/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Approximately four months ago, my mortgage began being processed and handled by a company called PHH Mortgage Services, and I immediately began having trouble with with their payment services.
I've had a mortgage for over eighteen years and I pay dozens of bills monthly, both by telephone and on the lenders websites. Although some are more user friendly than others, all are doable within five minutes or less.
That is not the case with PHH Mortgage Services.
After spending several hours attempting to make my first payment to them on their website, I was unsuccessful and forced to call them. No matter when I called, hold times were always in excess of 30 minutes, and many calls were even placed on hold indefinitely.
If you were lucky enough to ever reach a human, there was a fee for paying with their assistance, yet there was no other " simple '' method for paying.
I searched online and I immediately found that I was not alone. Several dozen PHH customers are all over XXXX, XXXX, and XX/XX/XXXX reviews, with the same complaints as mine ; difficult or impossible to reach a customer service agent, gratuitous hold times, malfunctioning payment systems, inability to submit payments, excessive fees for making payments, and then excessive late fees, negative credit remarks, and penalties when the payments are not made on time.
I continued to struggle making my monthly payments, because their phone system was so antiquated and poorly organized. Making additional payments to my principal was near impossible, and the average call length was 15 minutes to pay.
Then, for the month of XXXX, 2019, PHH took my mortgage payment out of my account twice. This overdrew my checking account by XXXX XXXX dollars, and it caused me to incur overdraft fees, as well as then being unable to pay the rest of my creditors on time.
It took numerous phone calls to my other creditors and financial institution to correct this issue, and it was fifteen days before PHH returned my money.
Finally, on XX/XX/2019, I attempted to pay my XXXX mortgage payment, using the automated phone system as I had always done before.
The automated phone system refused to accept my payment, and repeated attempts yielded the same results. After well over an hour, I called and sat on hold for another hour, before reaching a PHH customer service agent.
The agent tried several times to process my payment, and they were not able to do it either. They then told me that my financial institution was to blame, so I called my financial institution.
My bank told me that no one had made any attempts at submitting payments requests to my account, and that I had well more than sufficient funds to handle any request.
I then called PHH back, but I sat on hold for hours, and I never was able to reach an agent. Having 4.5 hours invested in attempting to make a simple monthly mortgage payment, I gave up and decided to try again on Sunday.
On Sunday, XX/XX/2019, I called in around XXXX Eastern time, and all PHH phone numbers, had a pre-recorded message which announced that their phone systems were down due to unforeseen technical difficulties. I continued trying again throughout the day and they recording was the same.
I then attempted to pay online, and that system refused my payments as well.
Now having almost 6 hours invested in trying to pay my mortgage, I called in Monday XX/XX/XXXX and I got the same message that the system was down.
I waited a few hours and then called back, the system was then working, but a message informs you that hold times are much longer than usual, and that you will not be able to reach a customer service agent in under 30 minutes.
Since I'm now at work, I can not sit on hold for several hours again, as I did all weekend long. My mortgage payment is due today, and I believe that PHH has already assessed fees to my account.
I simply wish to pay my mortgage now, and in the future, with reasonable ease.
I also believe that PHH has intentionally set their system up this way, so that customers are forced to incur late fees, and that as a result, customers will simply choose one of PHH 's other payment methods, which as they inform you in their recordings " are profitable to them because of their arrangements with the companies whom handle those payments ''.
I have recorded my calls with them, as well as the " system down '' messages. I've also downloaded the excessive internet reviews and complaints against PHH, from their other customers, whom are experiencing the identical issues with them that I am.
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| 05/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I applied in XX/XX/XXXX to XXXX XXXX for a home mortgage. I currently had a home equity loan with a variable rate and was looking to get a fixed rate product because interest rates were rising. I opened the Home Equity Loan with XXXX XXXX in XX/XX/XXXX. At that time my mortgage servicer, Ocwen Loan Servicing was paid in full from the proceeds of the Home Equity loan. In the process of doing the current refinance, XXXX XXXX 's attorney contacted me that there was an open lien on my property. The attorney stated that the satisfaction of mortgage done by Ocwen in XX/XX/XXXX was incorrect and had to be re-done. The attorney sent the title company info he had to Ocwen to assist them in doing the corrected satisfaction. This began before the XX/XX/XXXX. The attorney would periodically contact me that he did not receive the satisfaction from Ocwen. I was contacting Ocwen numerous times each week asking them why the satisfaction was taking so long. All they would say was that it was being researched. My loan processor at XXXX informed me during this time that I needed to extend my commitment to save the rate I had locked in if the loan didn't close by XX/XX/XXXX. The rate expired on XX/XX/XXXX and XXXX stated there would be a fee charged of {$470.00} which I paid at my closing to save the lower rate. Because of the delay in waiting for the satisfaction my loan didn't close until XX/XX/XXXX. The first satisfaction they sent to XXXX XXXX was incorrect and there was an additional delay for them to do a corrected one. Both are attached. Ocwen dated the 2nd satisfaction XX/XX/XXXX so it would appear they were in compliance with the timelines for RESPA. The XXXX attorney did not receive the satisfaction until Friday, XX/XX/XXXX. In addition to that, because of Ocwen 's delay in doing the corrected satisfaction, the title company for XXXX XXXX required that I deposit {$5000.00} in escrow until the recorded satisfaction of mortgage was received back from the XXXX County Clerk. The attorney also advised them that they needed to prepare an Assignment of Mortgage which they never did initially. The XXXX title attorney 's communications with Ocwen began on XX/XX/XXXX. The first reply I received was the attached letter dated XX/XX/XXXX that they are in the process of preparing the discharge/satisfaction. It took 2 weeks just for them to send an acknowledgement letter. As a result of their incompetence, I am out {$470.00} for the extension fee as well as the use of my {$5000.00}. The escrow holdback and fee paid is shown on the attached closing statement. I had an attorney send a letter to them dated XX/XX/XXXX ( copy enclosed ). Their reply to that was that she was not an authorized party so they would not reply to her. I sent a letter to Ocwen on XX/XX/XXXX ( copy attached ) giving them authority to reply to the attorney and requesting reimbursement for the above. I have sent 2 letters to Ocwen about this and their reply letters do not address the issue. They keep referring to the time line of the County Clerk in recording the satisfaction document. They do not acknowledge their delay in producing the corrected satisfaction or their error in doing the satisfaction incorrectly in XX/XX/XXXX. Attached is the mortgage schedule from XXXX XXXX XXXX XXXX. XXXX noting the defective satisfaction recorded in XX/XX/XXXX. I have requested that they refund me the extension fee of {$470.00}, the reimbursement for the loss of use of my {$5000.00} that had to be held pending recording of the satisfaction ( approx. 16 days ). Ocwen has not complied with Section 1921 of the Real Estate Actions and Proceedings Law. This states that failure by a mortgagee to present a certificate of discharge for recording shall result in the mortgagee being liable to the mortgagor in the amount of XXXX XXXX Dollars if he or she fails to present such certificate within 30 days, shall result in the mortgagee being liable to the mortgagor in the amount of XXXX XXXX dollars if he fails to present a certificate of discharge within 60 days or shall result in the mortgagee being liable to the mortgagor in the amount of XXXX XXXX XXXX XXXXd dollars if he fails to present a certificate of discharge for recording within 90 days.
I hope you can assist me in recovering these funds from Ocwen. Ocwen is a substandard servicer and I am sure there are numerous complaints from other consumers. It is unfair to me as a consumer to have to pay additional fees as a result of the delays and incompetence of Ocwen Loan Servicing. Thank you for your help.
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| 12/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX , DC XXXX Dear Sir/Madam, I am writing to bring to your attention the deceptive trade practices committed by the mortgage servicer formerly known as Ocwen, which later became PHH, and the subsequent injustices I have faced as a result of their actions. The following details the problematic nature of my interactions with PHH regarding my loan # XXXX encumbering the property located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, from XXXX through XXXX, and the ongoing issues I have encountered since.
Beginning in XXXX, PHH repeatedly refused to accept payments for my mortgage over a period of three years, despite my consistent attempts to fulfill my financial obligations. This led to a situation where they forced the sale of my home through foreclosure proceedings, causing significant distress and upheaval in my life. Moreover, the payoff amount included force-placed insurance for a period during which I already possessed coverage. Upon promptly providing proof of my existing insurance, PHH has continuously refused to refund the overage, despite my persistent efforts to rectify this matter.
After I closed on the sale of the house and sent documented proof of insurance, when I called and spoke to the representative at PHH, he requested a verbal verification from my insurance agent. I promptly got her on the phone, and she confirmed coverage. Afterwards, I was led to believe everything was verified, and I would be getting reimbursement. However, after several weeks and no check, I called and was told that nothing had been received, and that I must provide proof once again.
I promptly sent the policies to them by email as requested. I waited several weeks and called back. I was told nothing was received. I explained the situation again, and I was told it was probably because I had sent all of them together, and I needed to send each year individually. At that point, I sent each policy to them individually by year for the years XXXX through XXXX.
Furthermore, after I provided the proof of insurance again, I began receiving a deluge of emails from PHH, each containing mixed messagessome indicating acceptance and others rejection. This barrage of contradictory communication persisted over a span of 22 days, from XX/XX/XXXX, to XX/XX/XXXX, during which I received a staggering total of 153 emails, all with mixed messages. This incessant and confusing correspondence has only added to the distress and frustration I have experienced throughout this ordeal.
It is worth noting that I have dutifully provided proof of insurance from the year XXXX up until XXXX, as per PHH 's requests. Despite my unwavering efforts to comply with their demands and address their requirements comprehensively, the resolution of this matter has been needlessly complicated and prolonged.
In light of these circumstances, I firmly assert that PHH is obligated to refund all force-placed insurance charges incurred during the specified time period. Regulation 1024.37 explicitly stipulates that, within 15 days of receiving evidence demonstrating that the borrower has maintained hazard insurance coverage, the servicer must : ( 1 ) cancel the force-placed insurance purchased to ensure the borrower 's property and ( 2 ) refund to the borrower all force-placed insurance premium charges and related fees for any period of overlapping insurance coverage, removing such charges.
These actions by PHH have not only caused undue financial strain and emotional hardship but also demonstrate a clear pattern of deceptive behavior and unfair treatment towards consumers. As a result, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the injustices I have faced. I urge the Bureau to hold PHH accountable for their deceptive trade practices and ensure that they address the outstanding issues surrounding the forced insurance and refund overage.
I am willing to provide any additional documentation or information necessary to support the investigation of this case. I hope that the Consumer Financial Protection Bureau will undertake the necessary steps to enforce fair and just practices within the mortgage servicing industry and provide me with the resolution that I rightfully deserve.
Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution to this issue.
Sincerely, XXXX XXXX
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| 11/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I am the owner of a property located at XXXX XXXX XXXX, XXXX XXXX, New York ( the Property ) pursuant to a deed from, and a court stipulation with, XXXX XXXX. XXXX XXXX XXXX XXXX, As Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXX ( XXXX XXXX ) is the current record fee owner of the Property as a result of a foreclosure sale pursuant to a Judgment of Foreclosure and Sale. I am currently in litigation with XXXX XXXX before the Supreme Court of the State of New York, Appellate Division, Second Department, attacking the Judgment of Foreclosure and Sale granted in a prior mortgage foreclosure action due to improprieties in that action -- because the Judgment of Foreclosure and Sale relied upon a vacated order of reference, and because XXXX XXXX died during the pendency of the foreclosure action and his estate was never substituted, divesting the Supreme Court, XXXX XXXX of jurisdiction to continue the foreclosure action to enter the Judgment of Foreclosure and Sale. XXXX XXXX and its servicers, Ocwen Loan Servicing , LLC, now PHH, failed to preserve and maintain the Property since acquisition of the Property at the foreclosure sale in XXXX. I have put XXXX XXXX and its servicers on notice several times that the foundation of the Property and an underground, abandoned oil tank needed immediate remediation. Flood waters from Hurricane Ida breached the foundation and now with each rain fall, water flows freely causing the foundation to have moved fouXXXX inches. The foundation walls are buckling and the driveway is sinking.
I have made multiple offers to acquire the Property with the numerous attorneys who have represented XXXX XXXX. The most recent attempt was made before a mediator in the Appellate Division, Second Department as part of a mandatory settlement conference, between me, an attorney for XXXX XXXX and a representative from PHH. The mediator requested an appraisal and inspection of the Property.The appraisal came in at {$370000.00}, and according to XXXX XXXX attorney, the Property insurance would not fix the damage to a REO property. This begs the question -- why are REO properties bring charged for this forced placed insurance. I was also told that Im a third party and have no rights. I have an estimate to fix the issues with my home of {$55000.00}. At the Court mediation, given the condition of the Property and the appraisal, I offered {$300000.00} to acquire the Property. XXXX XXXX counter was a demand for {$470000.00} but would not make any repairs and, absent payment of that amount, XXXX XXXX would commence eviction proceedings in XXXX 2022.I have made several phone calls to XXXX XXXX XXXX XXXX they informed me via recorded message left on my cell phone that XXXX XXXX XXXX XXXX sold a block of interest, which included my property to PHH. The PHH representative denied my statement during our mediation, stating they are the servicer of my property hired my XXXX XXXX. The XXXX XXXX XXXX records as of XX/XX/XXXX, confirm the deed is titled to XXXX XXXX have lived in my house since XXXX, I have maintained the property and made substantial capital improvements. Estimated monies spent are well over {$200000.00}.
XXXX XXXX and its servicers have engaged in deceptive and misleading conduct ; unfair and deceptive practices ; illegal and unscrupulous behavior ; breach of the duty of good faith and fair dealing, fraud, negligence, negligent misrepresentation, unfair competition ; violations of the Real Estate Settlement Procedure Act ; unjust enrichment ; securities law ; breach of fiduciary duties to the companys shareholders ; failure to mitigate damages ; violated the warranty of habitability ; harassment ; Breach of fiduciary responsibility ; conflict of interest between XXXX XXXX XXXX and PHH ; violation of a pooling and service agreement.Having been personally attacked by big bank violations makes me certain Im not alone. There has to be many others being taken advantage of. I urge you to hold these banks accountable for their bad deeds, and pray for swift action. This has been my home for nearly 14 years, my many offers to settle have fallen on deaf ears. Their threat to evict me is a frivolous waste of the courts time. My offers to settle for fair market value of my home, should have been accepted years ago, saving the bank thousands of dollars. Each year that passes my foundation continues to crumble, which will cause my homes value to depreciation even further. I pray for your intervention and rescue my home from these predators.
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| 09/01/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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My loan with Ocwen Mortgage became delinquent XX/XX/XXXX. I then found out that Ocwen Mortgage had sold my mortgage to PHH Mortgage for all future servicing. During this transition period records where continually being lost and not accounted for as PHH did not understand the documentation from Ocwen because their forms where different. I was, then, at a standstill, until I got a Case Manager from PHH named, XXXX XXXX. On XX/XX/XXXX, I received a PHH letter from XXXX XXXX indicating he would handle the PHH application for a loan modification. Tax returns, pay stubs were requested by XXXX, as well as a written statement of my husbands illness.
XX/XX/XXXX, PHH acknowledged receipt of their " Request for Mortgage Assistance '' package, pursuant to Massachusetts law, along with instructions.
A new letter was received XX/XX/XXXX acknowledging receipt again, but this time indicating the application was incomplete and indicated what documents were missing.
Then, another letter, same date, XX/XX/XXXX, came another letter with another document they needed submitted.
On XX/XX/XXXX, I received a letter indicating they wanted obtain a " valuation '' of the home, and they additionally acknowledged that the " loss mitigation Financial Package '' was received with the missing information.
Again, on XX/XX/XXXX PHH sent a letter stating they were still missing information from the Mitigation Package.
XX/XX/XXXX an PHH Mortgage letter arrives indicating that we may file for a loan modification as PHH will honor it as a successor to Ocwen Mortgage.
On XX/XX/XXXX PHH Mortgage acknowledges receipt of " Request for Mortgage Assistance '', was received complete.
The same date, XX/XX/XXXX received another letter saying the application was incomplete and missing a pay stub.
On XX/XX/XXXX received a letter saying that I had a " new '' case manager, XXXX XXXX.
XX/XX/XXXX faxed a letter from human resources with PHH requested pay check information with earnings.
On XX/XX/XXXX, received information that I have another new case manager, XXXX XXXX and that she had received the application, but, of course, it was missing information.
XX/XX/XXXX, PHH acknowledged receipt of letter asking for help..
On XX/XX/XXXX I faxed another statement from my employment giving PHH my earnings thru XX/XX/XXXX.
On XX/XX/XXXX received a PHH letter requesting pay stubs from my husband, XXXX XXXX.
In all requests for information from PHH, we have complied and sent them appropriate documents.
On XX/XX/XXXX received a letter offering early intervention-borrower assistance.
On XX/XX/XXXX received letter saying, again, documentation was missing. Fully complied and sent letter from XXXX XXXX doctor on XX/XX/XXXX.
XX/XX/XXXX received letter that PHH was missing information.
XX/XX/XXXX, sent another new package in to PHH for a Loan Modification.
XX/XX/XXXX, received letter acknowledging receipt of my application.
XX/XX/XXXX received letter from XXXX XXXX, stating our application was incomplete, again.
XX/XX/XXXX received PHH letter stating missing documents, again.
XXXX, XXXX, XXXX received another letter stating PHH was missing documents, again.
On XX/XX/XXXX received another letter stating missing documents.
On XX/XX/XXXX received another letter stating missing documents, again.
On XX/XX/XXXX I received another letter stating missing documents.
On XX/XX/XXXX I received another letter on missing documents.
On XX/XX/XXXX letter received for missing documentation.
On XX/XX/XXXX, received letter to offer early intervention-borrower assistance from PHH.
I sent a letter to XXXX XXXX, the head of PHH, asking for his assistance on XX/XX/XXXX, XXXX pleading for his intervention. I consistently have supplied all information to PHH with them constantly telling me that they are missing documentation, and stalling and stalling, with no end in sight.
On XX/XX/XXXX PHH answered my letter indicating that we are stalling them, when I have documentation showing hundreds of faxes and letters from my human resource manager showing that I have always sent them what was asked.
It just isn't the case. We have bent over backwards to supply them the information they require, only to receive form letters stating they are missing information that we have definitely supplied.
I am in need of oversight of PHH, and a venue put in place, that allows me my right to a decision of a loan modification or not. My equity is disappearing rapidly, and one might assume all the delays have an intent. Please help.
|
| 06/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My home was wrongfully foreclosed upon, admittedly by the Mortgage Company. They attempted to rescind the foreclosure. OnXX/XX/XXXX, I received the following email " the sale rescission process on the account has been denied. Hence the modification will not be completed. Any payments received for modification will be returned '' Below are a list of events :XX/XX/XXXX - Submitted Mortgage Modification Application.
XX/XX/XXXX - Rejected Modified payment amounts due to un-affordable, submitted Mortgage Mod. app.
XX/XX/XXXX - Rejected Modified payment amounts due to more un-affordable ( higher hazard Ins. premium, because of claim filed due to damage from Hurricane Irma ) XX/XX/XXXX - Secured lower hazard premium, submitted Modification Application.
XX/XX/XXXX - Ocwen received refund check of {$8800.00} from cancelled higher insurance premium.XX/XX/XXXX - Rejected Modified payment amounts due to lower hazard ins. premium not considered, submitted Modification Application.
XX/XX/XXXX - Accepted Modification trial payments.
XX/XX/XXXX - ACH first trial payments XXXX and XXXX XX/XX/XXXX - ACH 2nd trial payments XXXX and XXXX XX/XX/XXXX - ACH 3rd trial payments XXXX and XXXX XX/XX/XXXX - requested sole assumption of loanXX/XX/XXXXXX/XX/XXXX - received denial of loan assumption XX/XX/XXXX - returned signed modification agreement in return envelope provided ( received on XX/XX/XXXX ), due XX/XX/XXXX XX/XX/XXXX - submitted signed notarized Mortgage Modification agreement in return envelope provided.
XX/XX/XXXX - returned signed modification agreement in return envelope provided ( received on XX/XX/XXXX ), due XX/XX/XXXX.
XX/XX/XXXX - returned signed modification agreement in return envelope provide ( received on XX/XX/XXXX ), due XX/XX/XXXX.
XX/XX/XXXX - XX/XX/XXXX - email sent to PHH XX/XX/XXXX ( names removed ) " I disagree with the reason for non-approval of modification of loans listed above. I have returned the modification acceptance documents immediately each time received. [ former spouse 's name ] is my former spouse, divorced since XX/XX/XXXX, I have no contact with him and can not obtain his signature on the acceptance documents.
Your dis-approval of modification is because I returned the signed by myself notarized acceptance documents immediately upon receipt and without his signature.
You approved [ my name ] to pay the amounts of {$1600.00} and {$82.00}, based solely upon my financial information and I gladly accepted these amounts. You then disapproved [ my name ] to pay the amounts listed above because my former spouse from whom Ive been divorced since XX/XX/XXXX did not sign the agreement.
I would like to remain in my home, and would like to know what I can do to achieve this. '' XXXX Sole assumption of mortgage loans granted for first mortgage account number ending XXXX.
XXXX Modification Appeal Review complete, PHH acknowledged an error to deny modification, recommend foreclosure rescinded for account number ending XXXX.
XXXX Modification Approved {$2100.00} to begin XXXX ( 1st mortgage acct. ending XXXX ) XXXX - Modification Appeal Review complete, Modification approved, foreclosure rescind pending signed accepted modification agreement and 3 trial payments each {$2100.00} ( 1st mortgage ending XXXX ) XXXX - check # XXXX - XXXX, check # XXXX - XXXX, check # XXXX - XXXX XXXX Permanent Modification approval ( 2nd mortgage acct. ending XXXX ) XXXX Modification Approved, on hold ( citing foreclosure XXXX XX/XX/XXXX ) XXXX - check # XXXX - XXXX, check # XXXX - XXXX XXXX - check # XXXX - XXXX XXXX - received returned check # XXXX XXXX ( forgot to date ).
XXXX - called PHH spoke with MsXXXX XXXX ( Specialized ) who requested a call back from XXXX XXXX who is assigned to account ending XXXX.
XXXX - received a call from XXXX XXXX, he stated that he would request a refund of the 2 trial payments for account ending in XXXX received after the foreclosure sale. I requested a refund of the previous 3 trail payments since this was the second set of trial payments from the Mortgage XXXX Application I submitted XXXX, he said he would put in a request for a refund of these three payments previous to the foreclosure. I also requested a refund of the the 6 trial payments and XXXX for the mortgage ending in XXXX, he said he would request a call back from the representative assigned to that account.
XXXX - received a call XXXX XXXX - representative assigned to account ending in XXXX, requested a refund of 6 trial payments plus XXXX. XXXX said she would request these payments.
|
| 05/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
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To : CFPB Date : XX/XX/XXXX LOAN # : XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX CA. XXXX I write with regards to the above referenced property to which PHH Mortgage/XXXX XXXX is the Mortgagee.
APPROVED FOR LOAN MODIFICATION In the month of XX/XX/XXXX, I was contacted by PHH Mortgage congratulating me and advising that I have been approved for loan modification. I was further advised that I will receive the approval letter in the mail. The approval letter dated XX/XX/XXXX was thereafter received. By the approval letter, I was placed on a three [ 3 ] months trial plan starting XX/XX/XXXX through XX/XX/XXXX for the monthly payment of {$3800.00} I immediately called PHH and this was once again confirmed to me over the phone and subsequently I signed the necessary documents to ACCEPT the OFFER on XX/XX/XXXX before the deadline of XX/XX/XXXX. Thereafter I made my 1st trial plan payment. I inquired and was advised that the terms of the loan modification will be contained in the permanent modification offer.
As a matter of fact, I received TWO APPROVAL letters from PHH both are attached as EXHIBITS 1 and EXHIBIT 2.
My ACCEPTANCE is attached as EXHIBIT 3 and my first trial plan payment is attached as EXHIBIT 4 Based upon this approval I began some remodeling work on the property and further remodeling planned but now placed on hold due to subsequent event mentioned below.
DECLINED FOR LOAN MODIFICATION I was therefore surprised when I received another letter [ dated XX/XX/XXXX ] from PHH advising me that I was declined for loan modification. I called PHH and I was told that an error was made in offering me the loan modification. I explained to the representatives that I spoke with PHH several times before the loan modification was offered. During that period of calls and discussions with PHH, I was advised that my loan was being reviewed for loan modification and that I will hear from PHH when a decision was reached. It was thereafter that I was contacted by PHH advising of the approval for loan modification and subsequent upon that an offer letter was sent to me which I accepted. I also advised that representation from PHH that as a result of the approval, I have begun some construction work on the property and offered to send pictures in proof. EXHIBIT 5 I appealed this decision and received a letter from PHH stating that approval for loan modification was in error. Attached and marked EXHIBIT 6 and Exhibit 7 are PHHs denial letter and letter referring the matter to their foreclosure attorney. Exhibit 8 is letter from PHH stating that their previous approval was made in error. Letter from PHH states that I have a financial hardship. I have responded that at no point in time did I say I have a financial hardship which will hinder me from accepting or making my monthly payment on this loan modification.
PRIOR EVENTS In XXXX of XXXX, during the pandemic and while there was still a moratorium by the government on eviction, foreclosure proceeding notification was posted by PHH through its attorney on my door. The letter notice advised of foreclosure sale date of XX/XX/XXXX. I called PHH and was advised that that was also an error and should not have been done. EXHIBIT 9 Also, during the early period of the pandemic in XXXX, I was constantly called by a gentleman who claimed to be an Agent from PHH and who advised that he had been sent by PHH to come and inspect the property. I had declined then advising that I could not allow an outsider into my home and thereby risking my family being exposed to the covid virus REQUEST I am appealing to CFPB to help reinstate the loan modification offer. PHH had put my family and I in too much hardship on top of the hardship already experienced by my family due to the covid-19 epidemic and the loss of three close family members during the pandemic. The burden and the grief on everyone is a lot and having to go through additional hardship by PHH is really unbearable I am in a position to pay my mortgage and I have advised PHH about this several times XXXX XXXX EXHIBITS 1 Approval for loan modification letter 1 EXHIBITS 2 Approval for loan modification letter 2 EXHIBITS 3 My acceptance letter/form EXHIBITS4 Trial plan payment cashiers check EXHIBITS 5 Proof of construction on the property EXHIBITS 6 PHHs loan modification denial letter EXHIBITS 7 PHHs letter referring the matter to their foreclosure attorney EXHIBITS 8 PHHs letter stating that modification offer was in error EXHIBITS 9 Foreclosure Notice posted on my front door in XX/XX/XXXX XXXX
|
| 05/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I sent Ocwen an email correspondence regarding the inaccuracies and false information that has affected my credit report and caused years of harm. I received a response from them dated XX/XX/XXXX, that was full of dishonest and dismissive answers.
I provided Ocwens Ombudsman office with a copy of a letter from their office dated, XX/XX/XXXX, that supports I contacted Ocwen about my concerns with my XX/XX/XXXX payment being reported 30 days late. The letter states Please note that any payment received towards the loan is credited within twenty-four ( 24 ) business hours from its receipt and in good faith that there will be sufficient funds in your bank account. However, Ocwen failed to recognize this in their XX/XX/XXXX response, because they received my payment on XX/XX/XXXX, and didnt apply it until XX/XX/XXXX, after I was told to put a stop payment on it. Ocwen refuses to acknowledge that they told me to put a stop payment on this payment. However, Ocwen has continuously violated their twenty-four hour policy, and offered no justification for applying my payment eleven days after it was received. Ocwen continues to alter their records to support their erroneous responses.
Ocwen was provided with copies of my credit reports that show they are reporting my XX/XX/XXXX modification to the credit bureaus as Paying under a partial payment agreement. On XX/XX/XXXX, I emailed Ocwen a copy of their Mortgage Assistance FAQs. I pointed out that under the section ( Will my credit score be affected by either my late payments or the default status of my loan? ) it states We are required to report factual information to the credit reporting agencies. The delinquency status of your loan will be reported to credit reporting agencies as well as your entry into a Repayment Plan, Forebearance Plan, or Trial Period Plan in accordance with the requirements of the Fair Credit Reporting Act and the XXXX XXXX XXXX XXXX requirements. After completion of any modification, we will report your loan as modified. Ocwens XX/XX/XXXX, response refuses to update their inaccurate information to reflect as modified, and violates the FCRA, Consumer Data Industry Association requirements, and their own policy.
Ocwen pulled two hard inquires on my credit report dated XX/XX/XXXX and XX/XX/XXXX. However, I told them that there was no justification for the two inquires, because Ocwen sent me denial letters dated XX/XX/XXXX and XX/XX/XXXX, that stated The owner of your loan allows only one modification every 12 months. In their response dated XX/XX/XXXX, they attached two ( 2 ) XX/XX/XXXX Acknowledgement Agreements and stated Point number three on these form provides the authorization to us to obtain a credit report in connection with the review for modification options. There was no need for Ocwen to pull two ( 2 ) different inquiries, because my XX/XX/XXXXapplications could not be reviewed due to the owners 12 month policy, and the hard inquiry dates dont coincide with their denial letter dates. These two ( 2 ) inquires remain on my credit report, and has negatively affected it.
Ocwen reported my XX/XX/XXXX mortgage payment as 30 days late. I disputed this with the credit bureau on XX/XX/XXXX and recently on XX/XX/XXXX. In their XX/XX/XXXX response, they stated Account records indicate the XX/XX/XXXX payment was received outside of the month due, and therefore, the reporting of a 30 day late payment for this month was valid. Despite their payment history report showing my payment was paid on XX/XX/XXXX, Ocwen didnt thoroughly research my XX/XX/XXXX dispute, and left this inaccurate information to negatively affect my credit report for five ( 5 ) years. However, on XX/XX/XXXX, Ocwen did update my credit report to reflect this payment as no data.
Ocwen claimed they suppressed the payments I made during the last four ( 4 ) years from XXXX XX/XX/XXXX, due to the disputes I had with their office regarding their ongoing poor servicing. They state in their XX/XX/XXXX, response Under the Fair Credit Reporting Act ( FCRA ) guidelines there are provisions for agencies to suppress or not report credit while an account is in dispute with that agency. We follow this provision and suppress credit on accounts in active dispute with us until the dispute is resolved. Ocwen violated this provision under the FCRA guidelines by failing to update the no data mortgage payments in a timely manner. However, they did recently update my credit bureau payment history from no data to reflect as paid ok on XX/XX/XXXX.
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| 08/01/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Servicemember |
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We tried for a loan modification roughly 2 years ago after never missing a payment. They sent us out the paperwork and we were told that in order to apply for the modification we could not be current with our payments.They told us it would take no more than 3 months for the modification to go through and that with our circumstance it should be approved.
They wanted us to make a trial payment while the modification was under review. We read too many things about homeowners being told to make trial payments so the modifications would go through, then the modifications took way longer than the 3 months and in the end they were denied anyway and given a huge bill as the trial amount was never accepted as your payments. We told them no thanks and did not sign anything and kept going on making our payments.
About 7 months later we get a letter in the mail saying our trial modification was denied and we needed to make a lump payment sum of roughly 10k or they would start foreclosure procedures. We got multiple phone calls daily from them telling us that they were collecting a debt and if we did n't pay the amount they would foreclose. We kept explaining to them we had never missed a payment and we did n't owe them any late payments. It took us over a week and a half of us calling them constantly, we finally told them to send us they paperwork where it showed anything that we signed to be put in a trial modification program. Ever day we got their robo-dialer calls saying they were collecting a debt and we were behind. They realized they had no such form and finally agreed to look into it. It took them a few weeks more before they finally came back that we never agreed to the trial plan.
A few months later we get bill saying we never paid our ins/taxes. Per them we had to come up with over 6k or our mortgage was going to go up XXXX a month because we were behind. Again we had to take weeks to explain to them we were not behind and it took them over a month to figure out they had us listed for a trial modification plan that we were never in. They actually took so long, " their '' new amount actually went in to effect.
Now a year later we get told that our equity mortgage payment is going up on XXXX/XXXX/2017 and that we need to make our new payment. They have sent us nothing with a new amount so we called yesterday and we were told that there is nothing in their system that shows our payment is increasing and it 's the same it has been.
Their website shows upcoming payments changes for XXXX/XXXX/2017 and nothing is changing. I had the wife call again today with the letter in hand because every step of the way Ocwen has been nothing but shady and dishonest. So today we get told they ca n't give us an exact amount but it looks like the payment is going up over 800 a month on XX/XX/XXXX.
We notified Ocwen of all the above and they told us a Ombudsmen would be in contact with us.
Since Ocwen was notified of our latest issue just under a month ago the following has occurred : *My next due payment (XX/XX/XXXX ) has all the sudden gone up an additional {$890.00} with not a single letter or phone call saying why or where this number comes from. But on the upcoming payment changes part of their website this number is no where to be found just our current payment amount ( showing due XX/XX/XXXX ).
*We have for the past 3 weeks received a phone call from their ombudsmen saying they were looking into our issues ( they will not tell us what they are looking into, just that they are looking into them and need more time ).
*When asked about the payment increase they know nothing on where the amount came from or why it is the amount it is. Just told that they need more time.
*I pointed out that the amount is wrong and asked them to at least put that amount on hold and let us pay the normal amount until they get us an answer on why the amount has gone up by so much. I was told they ca n't do that. I have had multiple times where the payments have been wrong on Ocwen 's part that I have had to pay that they later went back and changed to the correct amount.
So with 3 weeks to go till this " new '' payment no one is telling me anything other than they need more time. So now I am suppose to suffer because Ocwen does n't have their stuff together? Again I 100 % think Ocwen 's goal is to have us foreclose on my home.
How can a company continue to make mistake after mistake and I pay for it? They can raise a payment by almost {$900.00} and never give you any notification on why or where this comes from?
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| 04/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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THERE HAS BEEN A LAWSUIT FILED AGAINST OCWEN XXXX XXXX XXXX _____________________________________________________________________ My name is XXXX XXXX XXXX XXXX , PA. My mortgage is wit h Ocwen Loan Servicing and they are threatening to foreclose on my home and stating that I am missing payments. Which I am not and have bank statement to prove this. I filed a complaint with the Better Business Bureau and CFPB in regards to this matter. In doing my research, I found that Ocwen is notorious for misapplying payments and foreclosing on homeowners even though they were wrong with paperwork etc. Please see my complaint below along with my attachments regarding my complaint/dispute with Ocwen. I 'm hoping you will help me with this matter. I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX , XXXX . Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX / XXXX / XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX . They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX . I have attached my paperwork that I received from Ocwen, from my bankruptcy, my bank account showing my payments and the paperwork that I printed from the Ocwen website. Also, if they had not received payment from XXXX - XXXX , they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! ON ONE HA ND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. In regards to the information received back to the Better Business Bureau regarding my account, the information that they are stating complete lies made by Ocwen Loan Servicing. They say in their response that it is not their responsibility to let the trustee know that payments are missing from the home owner. LIES!!!!! If I had missed these many payments, which I did n't, then why did n't Ocwen Loan Servicing begin a Motion of Intent to Foreclose back when I " missed '' the first payment? Why did n't they file a Motion ba ck in XXXX ? How is it that I missed month in between the year, but not a full year. Seems like bad bookkeeping to me. On the website it states for XXXX I do not have any payments missing then all of a sudden for XXXX I 'm 180 days late?????? It does not add up. I have mad every last payment to XXXX ( XXXX XXXX before them ) while in my chapter XXXX bankruptcy. Again, if these payments were " missing '' then why was n't the trustee made aware of these " missing '' payments when they were contacted in reference to my discharge. I would not have been discharged if my payments to my creditors and/or the trustee were not made monthly. Oh just somehow I " missed '' XXXX XXXX , XXXX payment but now XXXX - XXXX payments? I missed XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX , XXXX and XXXX XXXX , XXXX but not XXXX - XXXX , XXXX , XXXX or XXXX XXXX ? I missed XXXX XXXX , XXXX and XXXX XXXX , XXXX but not XXXX and XXXX or XXXX - XXXX or XXXX ? Oh and just one month of XXXX XXXX , XXXX ? Where are the rest of the months payments for the entire year of XXXX . And no missing payments for XXXX ? THIS IS ABSURB AND ALL LIES. Oh I 'm just missing SOME months out an entire year to not pay for my mortgage knowing full well that I could got into foreclosure if I missed a payment????? THEY NEED TO GO OVER MY PAYMENTS AGAIN AND UPDATE MY RECORDS AS I STATED IN MY COMPLAINT. I DO NOT ACCEPT THIS RESPONSE!!!!! A XXXX XXXX responded back again to the BBB and all he did was submit the same paperwork that he submitted before. LIES YET ONCE AGAIN AND I 'M TIRED OF GOING BACK AND FORTH WITH THIS WHEN CLEARLY OCWEN IS DECEI VING AND LYING. ALL OF MY PAYMENTS FOR XXXX WERE PAID. MY BANK STATEMENTS FOR EVERY PAYMENT IN XXXX WERE PAID. OCWEN HAS SENT OU T 5 DIFF ERENT NOTICIES WITH DIRRENT DATES OF OWED PAYMENTS WITH DIFFERENT AMOUNTS. ALSO, THEY HAVE LIED AND SAID THAT FORECLOSURE PROCEEDINGS HAVE NOT STARTED WHEN INDEED THEY HAVE. SEE THAT PRE-FORECLOSURE NOTIFICATION THAT I RECEIVED FROM OCWEN. My attorney, XXXX XXXX , XXXX has been trying to contact someone at Ocwen in regards to this matter, yet NO ONE at Ocwen will return his call, respond to his faxes or reach out to him.
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| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have made multiple attempts with Ocwen/PHH to correct the violations of the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedure Act ( RESPA ). I have sent in Notice of Error, Qualified Written Request, and also disputed with the CRA and no resolution has occurred.
CRA 's I have submitted a dispute to XXXX XXXX, and XXXX. I received a response to the dispute by XXXX Confirmation Number XXXX and when I used the link to view the response, I was advised that I had to call XXXX to confirm my identity. When I call I have held for 45 minutes and still no response. XXXX will not allow me to check my status online and also has a horrible wait time to call in. I have not received a response from XXXX.
OCWEN/PHH Violations During the complaint process, a update was performed XX/XX/XXXX where the credit reporting was updated from " Account Transferred 30 days late '' to " Closed 30 Days late ''. I received a written response through a CFPB complaint that my credit reporting has been suppressed. As of XX/XX/XXXX, my account is reporting " Closed 30 Days Late ''. Overview of violations that Ocwen/PHH have violated : 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts Violation 1 - ( b ) Notice By Transferor of Loan Servicing At Time of Transfer. Transfer shall be made to the borrower not less than 15 days before the effective date of transfer of the servicing of the mortgage loan. Ocwen/PHH did not provide notice to us about the transfer. We found out that our account was being transferred on XX/XX/XXXX when we attempted to make a payment. At that time, no channel to make the payment was available. We were advised that the was a system problem with the transfer and our payment could not be accepted. Then on XX/XX/XXXX. Ocwen reported our account as transferred 30 days late.
Violation 2 - 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts | U.S. Code | US Law | LII / Legal Information Institute ( d ) Treatment of loan payments during transfer period During the 60-day period beginning on the effective date of transfer of the servicing of any federally related mortgage loan, a late fee may not be imposed on the borrower with respect to any payment on such loan and no such payment may be treated as late for any other purposes, if the payment is received by the transferor servicer ( rather than the transferee servicer who should properly receive payment ) before the due date applicable to such payment. Based on information that I have gathered, the effective day of the transfer was XX/XX/XXXX and the 30 days past due was reported on the XX/XX/XXXX.
Violation 3 - 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts | U.S. Code | US Law | LII / Legal Information Institute ( 3 ) Protection of credit rating During the 60-day period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ). I was notified of the negative/inaccurate reporting as of XX/XX/XXXX. I promptly notified Ocwen/PHH of the error and asked for correction. A correction was made on XX/XX/XXXX that changed my reporting from Transferred 30 days past due to Closed 30 days past due which caused my credit score to decrease by 12 additional points.
Ocwen/PHH lack of knowledge on credit reporting is impacting my credit and jeopardizing my job. I have made several attempts to correct this issue. I am requesting that my credit is corrected no later that XX/XX/XXXX. For Ocwen/PHH to meet that deadline, a correction must be submitted through XXXX. Based on the Credit Reporting Resource Guide, Account XXXX should be reported as Account Transferred and CURRENT.
Please feel free to reach out to me with any questions or concerns. If Ocwen/PHH Credit Reporting team does not know how to correct the credit, I recommend that they reach out XXXX, XXXX, and XXXX today to ask for assistance in correcting the inaccurate credit. In addition, I am sure that I am not the only customer that has been impacted by Ocwen/PHH unfair and deceptive practices. In addition to correcting my account, a review of all impacted accounts need to be conducted and corrections need to be made.
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| 09/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The issue with this started back in XXXX when my husband passed away. The loan became 2 months behind as I was trying to take care of the expense of his passing and find a 2nd job. I called the mortgage company to try to get some help but they would not talk to me as the loan was in my husbands name and not mine. I was on title as we had a trust that shows I had interest in the home. I tired for years to get them to approve me as the owner of the home and asked for them to approve me to be able to be on the loan. I sent paper work over and over again only to be turned away and told they could not talk to me. The loan was sold several time and each and every time I would call and send in the papers they requested. In XXXX I was told not to worry as the loan was covered under a bankruptcy and that they were not trying to collect on the loan. I still tried all the time to get them to talk with me so I could work something out and say our family home. They would not give me a payment amount and they would not accept my payments. Again every time I would call they would not talk to me. In XX/XX/XXXX I received a Notice of Default. I contact the bank which was now PHH Mortgage and they told me again they could not talk to me. We also contact the trustee attorney and they would not talk with us. I got some help and then sent in all the papers to the bank Over and over again they said they would not talk to me even though I sent a authorizations 2 times. On XX/XX/XXXX I sent all documents again. On XX/XX/XXXX still no updates and they would not talk to anyone. On XX/XX/XXXX I received a letter that I was approved as the Successor in Interest on the account. We then sent out a qualified written request and notice of error to the bank on XX/XX/XXXX it was sent fax and XXXX. On XX/XX/XXXX they stated the would not be able to respond as no one was authorized on the account. We resent the authorization to the bank again on XX/XX/XXXX. We then received a letter on XX/XX/XXXX that was dated for XX/XX/XXXX that said they had set a sale date on the home for XX/XX/XXXX. We were in shock.. I thought we were still covered under the mortarium and that they could not start a notice of sale process till after XX/XX/XXXX. We then requested the bank to review me for a Modification. All the papers were sent on XX/XX/XXXX and on XX/XX/XXXX they informed me that the sale was placed on hold till XX/XX/XXXX. On XX/XX/XXXX we were infromed that they could not grant me a Modification due to the balance of the loan being to high and that I would not qualify for any options expect Short Sale or giving the home back. Each option would give me relocation funds. I then listed the home on XX/XX/XXXX. I did not receive any offers as the home does need a lot of work and most buyers did not want to pay market value for a home that need that much work. We kept trying but still did not receive any offers. We then submitted in for a appeal on the modification on XX/XX/XXXX and we were told it would take up to 30 days to response. Again we still did not get the qualified written request response back. We were waiting for a response but we did not receive anything. We did receive a offer on XX/XX/XXXX and sent the listing and sales contract with the request for a short sale. We sent the offer to the bank with all needed items on XX/XX/XXXX. We called the bank on XX/XX/XXXX and they informed us that they received the information and they would see what they could do. They came back and told us that they could not do anything as they did not have enough time to review the offer. We asked them why they did not respond to the qualified written request and they inform us that is was completed on XX/XX/XXXX and that could email the info out to us. We also asked about the appeal and they informed uws it was declined on XX/XX/XXXX and that they would send a letter as to why it was declined. We asked for the sale date to be placed on hold so we could close the short sale but they said they would not and the home was going to sale on XX/XX/XXXX. I do not understand why I was not given anytime to understand and read the qualified written request response, and why I was not given time to read the appeal decline. I also do not understand why I was not given enough time to complete the short sale as they requested me to try and do. I am requesting that PHH mortgage places a hold on the sale date so we can try to complete the short sale and try to understand why we have been turned down as the appeal request a response to.
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| 11/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Recently I made an inquiry to BBB ( Better Business Bureau ) at the Florida-XXXX Office and is waiting for an reply from them. I have been trying to resolve this matter with the OLS ( Ocwen Loan Servicing, LLC ) for over more than a year now. So that is why I am sending my complaint to your office. I believe this is a matter of Predatory Loan ( lending ). Wherein I " believe my parents whom both have now XXXX since XX/XX/XXXX and XX/XX/XXXX were victims of predatory lending.
In summary, as the Estate Representative I have discovered that the loan my parents were given shows signs of predatory lending. While there has been payments made against the loan since it conception on XX/XX/XXXX ; it is my belief that my parents at the time of their XXXX have already paid more than {$60000.00}. This is calculation base on 10 years of payments and pay history reports received from the company, and with respect to the way the initial interest Note was written. My parent have a loan in which the amount of the loan {$88000.00} is twice the amount of the value of the property as shown by BPO Appraisal of ( {$42000.00} ) that I obtained from Ocwen on XX/XX/XXXX. I have personally obtained loans from Mortgage lenders in the past, and its no way I would have gotten them under these circumstances. I ask that your Office investigate this matter and request to Ocwen Loan Servicing, LLC that they write this loan off as bad transaction in turns of corrupt immoral procedures, and in all reality inappropriate use of HUD government guarantee funding.
The following documents and concerns are in questions : 1. Copy of Appraised Value of property ( reference above ) as recorded on file with XXXX County Circuit Court XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX Virginia XXXX.
2. Copy of Property Report/BPO obtained by OCWEN LOAN SERVICING, LLC dated XX/XX/XXXX ( AFTER MY INQUIRY ABOUT THE LOAN AMOUNT IN COMPARSION TO THE TRUE VALUE OF THE PROPERTY ) at {$42000.00} 3. The INTIAL INTEREST NOTE as indicated on the loan in the amount of {$88000.00} AGAINST THE RECORDED APPRAISED VALUE {$42000.00} OF THE PROPERTY.
4. FACT, there was no appraisal preformed at the conception of the loan originally made by XXXX XXXX ( original loan producer ). Otherwise the loan with these conditions ( monetary value of property far less that the requested monetary amount ), could not have been render as morally Standard Procedure. In other words, it does n't make good business sense. NOTE : Ocwen purchased this loan from XXXX XXXX without getting an appraiser of the property.
5. After speaking with the XXXX XXXX, Representative for Ocwen Loan Servicing LLC, I faxed some documents and a copy of the Appraisal I had recovered. I questioned him about the loan amount in relations to the actual true value of the property. He told me at the time they did not have copy of any appraisal for the property. It was early XX/XX/XXXX that I received the copy herein showing the date of the appraisal as XX/XX/XXXX.
6. I have also asked for the complete Payment Record from the conception of the loan up to the present. Ocwen has only provided me the pay history from XX/XX/XXXX thru XX/XX/XXXX.
7. Because of the value of the property I asked Ocwen to modify the loan amount to the actual value of the property, but they refused to do so stating, It was not my primary resident. That refusal caused me to look more into, who is Ocwen?
8. My parents were respectively of ages father XXXX and mother XXXX at the time of the loan and being their ages coupled with little income this loan should not have been made.
9. Nonetheless, XXXX XXXX made the bogus loan, then sold the loan to Others, and lastly Ocwen Lending Service ended up with it. I have also researched that these very same companies have been subjects in class action law suits.
10. It frustrating now that we the ( siblings ) did n't know our parents were in a loan of such ; in as much should have not been granted based on their ages, income, and value of the property standing alone as collateral for the loan.
11. I ask that your Office review my request and find Ocwen Lending Service, LLC negligent of acquiring this loan from its predecessor ; that the loan was made not in regards to actually true values, of which the collateral value is far less than the amount rendered.
12. It is clearly a case of fraud and misuse of HUD 's government guarantee funding, ' whereas they just made loans without fully following Federal guidelines.
Sincerely, XXXX XXXX
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| 10/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XXXX I applied for a home improvement loan with XXXX XXXX and was notified about a month later that there was an old lien on my property from XXXX XXXX XXXX who went out of business sometime in XXXX. XXXX needed proof that XXXX was paid. In XXXX I refinanced my home with XXXX XXXX who has since merged with XXXX Bank. I contacted XXXXXXXX XXXX XXXXequesting a copy of the Settlement Statement but was informed that their records retention is only 10 years so they could not provide documentation to me. I also tried to contact the Title Company that did the work for XXXX but they are no longer in business. I was told that XXXX 's accounts were assigned to XXXX XXXX, XXXX XXXX, Ocwen and now PHH. I tried contacting all of them and no one would help me to get the XXXX XXXX released so that I could get my home improvement loan. Ultimately, I have contacted the FDIC, my congressman 's office, XXXX, XXXX XXXX XXXX XXXX, XXXX and PHH. Most times I couldn't get beyond customer service because my property address, name or social security number would not bring up an account. I have spent the last 3+ months making phone calls, sending emails, researching and still I am unable to resolve this problem. In XXXX I refinanced with XXXX XXXX and was never informed of the XXXX XXXX that showed up on the title search. XXXX XXXX XXXX did the XXXX XXXX refinance so I called them and was told that they no longer have the records either. I was told that XXXX of XXXX things probably happened ... XXXX XXXX either got verbal confirmation or a letter of intent from XXXX that they would release the lien. Either way, XXXX XXXX XXXX failed to make sure the lien was released and I never knew anything about it. If I had been informed, getting the lien released would have been easy because XXXX XXXX was still in business in XXXX. XXXX XXXX failed to make sure the lien was released when I refinanced with them in XXXX and they supposedly paid off XXXX XXXX XXXX and so did XXXX when XXXX refinanced with them in XXXX. I know that XXXX did pay XXXX XXXX according to my settlement statement and the fact there is no XXXX XXXX lien appearing on the title search. Not one of the parties involved says they have the authority to remove the lien so I am stuck in a very stressful situation. Because the home improvement loan was denied and the material had already been ordered by the contractor, I was forced to pay for the large job all out of pocket and now my savings account is nearly depleted. XXXX XXXX XXXX has offered me an atonement but not even half of what is needed and they said they can't remove the lien. I have spoken with an attorney and the cost to file a Quiet Title Claim is very expensive, I can not afford it nor should I have to be burdened with getting this situation resolved. I have emailed XXXX XXXX XXXX, CEO at XXXX and asked for his assistance because XXXX has the Title Insurance I paid for as part of the refinance. As it appears now, XXXX is not sitting in first position according to the title search. XXXX has not offered to help me in anyway that would result in resolving my issue. Next on or about XXXX XXXX, XXXX I paid XXXX {$500.00} to refinance my home again and taking some cash out so that I could replenish my savings. After a few weeks I was informed that the refinance would be getting denied because with student loans in national COVID forbearance, credit reports show a monthly payment amount of XXXX so underwriting uses a % rule. I provided documentation of my past payments and the amount going forward once the loans were no longer in forbearance but that was not acceptable to underwriting and they had to use the % rule which made my debt-to-income ratio too high. I was also told by XXXX that they would not refund my {$500.00} because the appraisal cost {$600.00} but they would not be requiring me to pay the {$100.00} difference. I have tried to contact PHH several times in the past few months and was told no one could help me because using my soc sec # and address zip code did not produce any information. Today I called PHH again and was told I could fax a request to their Research Dept which was more information than I previously got. I do not have access to a fax machine and I am not going to spend anymore money trying to get this resolved. I asked to speak to a supervisor at PHH and was put on hold and as of this writing I am still on hold. I did not submit any documentation because the documents were submitted under complaint # 's XXXX and XXXX.
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| 09/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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letter send to ocwen after a modification/ bankruptcy/and non reporting to credit bureaus To whom it may concern/ ocwen loan servicing The reason for this letter is to inform you the following about my loan # My name is XXXX XXXX my property address is XXXX XXXX, Ny XXXX.
XXXX- The property was purchase on XX/XX/XXXX when the real estate market was at its highest {$790.00} after 3 years we were under water with a our home valued dropping to XXXX and with two loans and a 6. % rate that had also a balloon on one the loans.
XX/XX/XXXX/XX/XX/XXXX- Recession I try to get a modification wasnt approved then I try to short sell which never occur, the broker that stole my money and left me with a delinquency account and almost foreclosed.
XX/XX/XXXX- The mortgage payments were high and the only way to get my mortgage out of water was through a bankruptcy that will give the be the opportunity to get the home out of water and a fixed rate with a lower mortgage payment that will match the property actual valued.
XX/XX/XXXX- XXXX was the company that we started the inicial process with in mid XX/XX/XXXX/XX/XX/XXXX in XX/XX/XXXX the actual bankruptcy was established with the sole purpose of fixing the issues on the loan.
XX/XX/XXXX/XX/XX/XXXX- XXXX made a proposal plan for when the bankruptcy issued had force them to do a modification that in previous years was denied.
XX/XX/XXXX- XXXX issue a proposal plan that would give me a trial period of payments of XXXX for 3 months after the completion of this trial and with the result of the bankruptcy agreement the valued of the home was now {$540.00} on a 4.0 % fixed and {$230.00} in 36 years payoff.
In addition I was going to be able to recovered by credit in accordance to my agreement with XXXX, the credit card agency where going to be reported according to XXXX with the results of my payments.
XX/XX/XXXX- I never sign any paper work that would made be not liable for the property, The discharge was released on XX/XX/XXXX without no knowledge that their was XX/XX/XXXX/XX/XX/XXXX- Ocwen transition was done in between the bankruptcy issued and the discharge, which in my investigation seems there was a missing piece to the puzzle. Since between that transitions I notice many changes between the payments done while on XXXX and how it was done with ocwen. I also notice my payments were not being reflected into my credit report, it seemed like it was still delinquent and like it was never been paid. I did my diligence by pay on time for over 4 years and my credit reported seem never to change, I was wasnt able to make purchases or even a small loan for a cell phone, this has been both deviating and embarrassing.
XX/XX/XXXX-XX/XX/XXXX In order to get my credit going I decide to get help from family using them as a primary in order to get a credit line, I was able to see my credit increasing however the mortgage was still not being reported on my credit made things very challenging for me when it comes to recovering my life back in terms to my financial hardship that most American faced because of the market crash.
For years I been try to figure out what happen to my credit by hiring agents that are specialized with these types of hardships and, my investigation had lead me to understand that something was not done right between the transition with XXXX and ocwen. Many people with the same and with lease amount of years were able to reestablish their lives without having to wait more than 2 years. In my investigation I also found out that my mortgage was never reaffirmed by XXXX or XXXX and I did n't even know I was discharged from the bankruptcy until I call the court to find out. I understand there has been discrepancy and discretely actions done with XXXX and I understand to be another victim.
I tried another modification recently this year with XXXX which I had also a trial period which I had sucessfuly completed and have been faithfully payoff my mortgage at a resentful payment of {$3300.00}. I really want to continue payment and continued being responsible for my home, however I am extremely disappointed for the hardship i suffered and how negative my credit reporting has affected my life, while I am being responsible with my end and pay my loan on time.
I only think is fair for ocwen to revisit this case carefully and fix this problem and reaffirmed my mortgage as per XXXX proposal, so that I could reestablished by credit and life again.
Thank you in advance, and please advice.
|
| 10/04/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
|
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I have been subject to false, fraudulent, and sharp business and collection practices by Ocwen Loan Servicing, LLC. Below is a description of the four to five year ordeal. I attempted to resolve delinquent mortgage debt for my parents. I am their legal power of attorney.
On or about Tuesday, XXXX XXXX, XXXX, I received in the mail the enclosed IRS form XXXX, cancellation of debt for my mother, XXXX XXXX for whom I am attorney-in-fact. This is the third XXXX I have received from Ocwen for the same loan. Ocwen also sent one intended for my father, XXXX XXXX XXXX, who XXXX on XXXX XXXX, XXXX.
I have several issues with the enclosed XXXX as well as Ocwens fraudulent conduct throughout my attempts to resolve the mortgage loan delinquency. First, with respect to the XXXX, the date of identifiable event is XXXX XXXX, XXXX ( the Identifiable Event ), which is approximately three weeks after Ocwen and/or XXXX XXXX sold the property on XXXX XXXX, XXXX to a XXXX XXXX for {$91000.00} ( the XXXX Sale ). The fair market value ( FMV ) of the property on the enclosed XXXX reflects a FMV of {$6400.00}, the amount paid at the foreclosure sale. According to Internal Revenue Service ( IRS ) Temporary Regulation 1XXXX6050J-1T ( Q/A 32 )XXXX In general, absent clear and convincing evidence to the contrary, the proceeds of the foreclosure, execution or similar sale will be considered the fair market value of the property for purposes of this reporting requirement.
In the instant case, the arms-length XXXX Sale on XXXX XXXX, XXXX in the amount of {$91000.00} is clear and convincing evidence of the FMV of the property. The XXXX Sale occurred twenty-three ( 23 ) days before the Identifiable Event and is clear and convincing evidence of the FMV of the property. The purchase price agreed to by a willing seller and a willing buyer in an arms length transaction is the clearest and best evidence of the fair market value of the property. In my view, Ocwen ignored the XXXX Sale as a true reflection of the FMV in order to inflict as much hardship on my XXXX-year old mother who lives in an XXXX XXXX XXXX. Demand is made that Ocwen immediately revise and reissue the XXXX for XXXX XXXX reflecting a fair market value of the subject property in the amount of {$91000.00}.
I also dispute the amount of debt discharged in box 2 in the XXXX. This amount was grossly inflated by Ocwen by its own conduct. My first attempt to resolve this was in late XXXX or early XXXX at which time I attempted to work out a loan modification. I agreed to a {$10000.00} curtailment payment, which was made, but Ocwen, employing fraudulent and sharp business practices, doubled the monthly payment. I would not execute a forbearance and loan modification agreement with a monthly payment double the contract amount. My parents were on very limited and fixed incomes, surviving on a small XXXX XXXX XXXX pension and Social Security. The terms Ocwen proposed were simply not possible.
My second attempt to resolve the delinquency was through a short sale in late XXXX and into XXXX. Through an agent, I found a buyer for the property who was willing to buy it for about {$74000.00}. Ocwen ordered an appraisal from XXXX XXXX, owner of XXXX XXXX. The appraisal, as I understand it, came back in the vicinity of the short sale purchase price. The Ocwen agent I was working with in XXXX intentionally, willfully and fraudulently altered the XXXX XXXX by discarding the comparable sales and replacing them with three other properties that were not comparable recent sales, one of which was not even on the market or the subject of a recent sale. Such fraudulent and sharp business practices are why I stopped attempting to work out a solution with Ocwen. Every effort was met with false and fraudulent statements and conduct from Ocwen.
My final attempt to resolve the loan was through a deed in lieu of foreclosure in XXXX. My final attempt to work this out was a failed deed-in-lieu of foreclosure in XXXX which, again, failed because of the business practices of Ocwen and its outside counsel which refused to return phone calls and did not make email addresses available. Ocwen also ensured that interest, costs and other amounts would continue to accrue by employing an aggressive and incompetent collection system run out of its XXXX based call centers. I received hundreds of calls from your call center. They knew nothing about Pennsylvania real estate law or anything else and were very difficult to understand.
|
| 08/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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CFPB Complaint # XXXX RE : Loan # XXXX - Unsatisfactory CFPB & PHH Mortgage Servicing Legal Counsel Response : 1. This Consumer Complainant /Mortgage Holder initiated compliant in XX/XX/ due to serious errors in Escrow Account - negatively impacting mortgage statement and upon financial interests of Senior Mortgagee on fixed budget - with consequent PHH publishing of " erroneous '' Statements of default and other un-nerving Notices - having both credit ; financial ; and emotional negative results.
2. Compliant was sent with formal legal documentation - " proving '' : A. both account errors and source of mistakes due to PHH " overseas '' Escrow Accounting Dept. using erroneous data and highlighting errors as per actual real estate taxes used to determine " correct '' and " actual '' taxes. B. In essence - rather than to correct such as required under RESPA - PHH choose [ in following practices of parent company Ocwen ] to continue to " arbitrarily '' not just continue to issue " false '' statements - but to raise monthly mortgage and charge additional " unqualified '' assessments. C. PHH further instituted " new '' policy in XXXX XXXX by " prematurely '' publishing & sending out early monthly mortgage statements ( supposedly due to PHH company " bi-cameral structure '' ) which not only did not properly reflect " prior month '' mortgage payment ; but included other " misleading and false '' statement data. Hence, the Statements were neither " current '' nor " correct ''.
3. Despite again sending, " third party '' official financial institution records as proof of payment " on time '' and other documentation noting errors - PHH and then PHH " outside '' legal Counsel - would answer by sending " general " answer that company is in compliance and including " invalid '' and " erroneous '' PHH Escrow and Statement data as supporting material - but which had been previously " challenged '' and " proven '' to be wrong and on record with proof, thereof - rather than " address '' and reply to those specific Compliant issues. This continues and CFPB further " accepted '' such response from PHH/Counsel WITHOUT investigation and/or review as to validity of response ; and/or as properly addressing " core Compliant issues '' as required and demanded - under both RESPA and provisions/purpose of U.S. Dodd-Frank Act - as well as ignoring facts/history of national Compliant litigation against parent company Ocwen, ( and reason for necessary name change ) ; and pursuant to Ocwen National Settlement Agreement which legally required " instituting '' changes ; reform ; and restitution for such " cumulative '' mortgage consumer abusive and " unfair '' practices - as well as to " settle '' nationwide Class Action Legal cases versus both Ocwen and investor XXXX XXXX - and whereby, both legal cases and law have been previously cited by this Senior/Veteran Complainant.
4, Thus, neither PHH nor CFPB offers Consumer Complainant/Homeowner any " real '' and/or 'substantive '' relief and " correction '' of unacceptable mortgage practices ; nor relief under the applicable Federal and State statutes as his right ; and " intent '' of Congress in passing such legislation. Accordingly, neither CFPB practice of " closing '' a compliant case " prior '' the Consumer having the opportunity to review such appears " counter productive '' and waste of the U.S. Tax Payers money - as really serves no " assisting '' purpose as envisioned by the Legislative Framers to " investigate '' Complaints to determine just not " compliance '' to the Law but to further determine how " wide spread '' such possible abuses extend ; and to whom is most affected - but not in any way extending " individual '' legal assistance to those Complainants. However, CFPB notice of " case closed '' without comment - does little to enforce the law and/or to increase U.S. public confidence in the CFPB mission - as attested by millions of U.S. citizens that lost their homes in the Great Recession and now in the Covid-19 Pandemic. In fact, had CFPB senior management previously taken a more " hand on '' policy to enforce both RESPA and Consumer Law before " glaring '' national and repeated episodes of Mortgage company abuses - a significant number of deserving American homeowners could have perhaps " averted '' their homes and self security - as a threst in this instant case. Therefore, CFPB and PHH actions/response is unacceptable and unsatisfactory. XXXX XXXX XXXX, Consumer Complainant
|
| 09/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
I have been communicating with my mortgage service provider ( PHH Mortgage ) concerning delinquent payments from my mortgage escrow account for payment of property tax on a house. This problem started in XXXX when my wife and I were first notified of the delinquent payments - 2 missed quarters of property tax payments for XXXX. At that time, my wife and I contacted my service provider and provided them information concerning the delinquent tax payments ( by email on XX/XX/XXXX ) and they assured me it would be rectified. Last week we were contacted by the town that property tax payments for XXXX were still delinquent and although one quarterly payment was made by the service provider for XXXX it was applied to a portion of the the past due amounts for XXXX, resulting in the XXXX tax payments now being delinquent.
The text of the email ( account no and property address deleted from text ) I sent to the service provider last week is provided below with the details of the issue. I just called them back today XXXXXXXX ( they did not call me yet as promised ) and they said that the property tax and penalties has still not been paid for XXXX and XXXX years.
To : XXXX Date : XX/XX/XXXX Sub : Notice of errors in servicing escrow loan # XXXXXXXX attn XXXX Dear XXXX, As per our phone conversation XX/XX/XXXX, this is to officially notify you of errors in servicing our escrow account for the loan number mentioned in the subject line above for the mortgage on the property located at ( address deleted ). As you are aware, this is a follow up to my previous calls to PHH in XX/XX/XXXX regarding the error and delinquent payments for the XX/XX/XXXX tax year where two quarterly payments were missed.
Apparently, these XXXX tax payments have still not been fully resolved and continue to accrue penalty interest ( as shown in the " XXXX tax bill '' account attached ). The XXXX tax year bill is also now delinquent as the payment made by PHH from escrow in XX/XX/XXXX of {$800.00} ( as shown in the attached escrow account statement, and received by the town in XXXX ( as shown in the attachment labeled " XXXX tax bill '' ) for the first quarterly payment due on the XXXX tax bill ), was applied to the delinquent amount due for the XXXX tax year. PHH therefore, now has delinquent tax bills for XXXX and XXXX totaling {$2000.00} that are due.
Attached are three documents : The document labeled " XXXX tax bill '' shows a delinquent amount still due as of XX/XX/XXXX of {$1100.00} which includes the tax due plus interest due, as yet unpaid by PHH.
The document labeled " XXXX tax bill '' shows the town applied the first quarter XXXX payment from PHH of {$800.00} and received by the town on XX/XX/XXXX was transferred to pay some of the amount overdue on the XXXX tax bill account and was not applied to the first quarter payment of XXXX. The XXXX tax bill statement shows the " transfer '' on XX/XX/XXXX. The tax collector explained that they can not apply any of the payments received for the current tax year until the balance on the previous year are paid in full. The current XXXX tax bill therefore is now also overdue ( the first quarterly payment of {$800.00} as well as interest accrued of {$96.00} ) for a total due for XXXX of {$900.00}.
The document labeled XXXX escrow account XX/XX/XXXX I downloaded from my account information on the PHH website which clearly shows no payments " actual '' made for the third and fourth quarters of the town 's XXXX tax year ( XX/XX/XXXX - XX/XX/XXXX ) and that only one payment made dated in the escrow account as XX/XX/XXXX, and show on the town tax bill statement as XX/XX/XXXX ).
My wife and I called the ( name of town deleted ) town tax collector who explained to us what is summarized above and sent the current balance due statements that are attached. She stated that if you send payment for both delinquent bills in the sum total amount of {$2000.00}, the property tax for XXXX will be settled and the XXXX will be also then up to date. She said that if your escrow department has any questions, they can call her directly in the USA at ( tel no deleted ). She will not be available tomorrow but will be in on Monday XX/XX/XXXX.
I look forward to your promised call on Monday to provide me with an update on resolving this problem. I also would like assurance that any interest payments made to the town for the delinquent payments caused by your errors will not be charged to my account.
XXXX XXXX
|
| 01/06/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I received a divorce from my wife in XXXX and the house was given to me all right so the house I filed for a loan modification in XXXX which I was approved for and continued on the moon modification. Ran into financial problems And reapplied in XXXX for another loan modification. I was approved paid all the payments on time. Then Phh Mortgage decided I needed my ex-wife signature all of a sudden. Ive had this in litigation in courts Phh Mortgage has been sued for many of the similar situations not allowing XXXX mods and going after foreclosure in many states. So after months of trying to get them to give me the loan modification without her signature. Thats my ex-wife. Period they put it in default in my mortgage and said I was behind and now after while they were going to proceed for closure. I saw them in court. My wife is XXXX and the XXXX and things through this whole has been XXXX XXXX XXXX XXXX. The cases now in the New Hampshire Supreme Court and is an appeal from the lower court. I filed for a motion to stay the foreclosure which was scheduled for XX/XX/XXXX by Phh. During this time I had a purchase and sale agreement which wouldve paid Phh of liens and give us a profit to move on. I sent it to Phh Mortgage ignored the purchase and sale and while litigation and appeals are going on in the Supreme Court and heading for the lower court they foreclosed on XX/XX/XXXX out of the blue. They sold the house for {$160000.00} which left me with no profit and no liens paid it just paid their due. I had the house for sale for XXXX with a buyer who didnt need inspection or anything it was in stone. Which means they wouldve been paid XX/XX/XXXX and we all couldve walked away and no disruption of my life in glens would be paid and Phh wouldve lost nothing. Instead they snuck in sold it at auction for the amount I set above. Now my XXXX wife and I will walk out of here with nothing. Shes been XXXX I am XXXX XXXX XXXX with many health issues. They were willing to throw us on XXXX XXXX with no profit and a XXXX woman This is been much pain and suffering when is that couldve been avoided by just letting Us Sell our House and walking away. They have done this many times in the past to other buyers have been sued in many states and you can check on that. Ive already filed a complaint but this is different I did not include many things that they did I want them to be held liable. And to reverse this foreclosure sale because of XXXX XXXX. It is the right of my wife do not be XXXX XXXX XXXX XXXX XXXX during XXXX with nothing on XXXX XXXX when things are set and everybody wouldve been paid and we have XXXX XXXX XXXX XXXX XXXX. Theyre going to make excuses. Theyve been sued so many times this is a case of going against XXXX act on a XXXX person when they couldve taken care of it it really is a horrible thing and a horrible company to do this Phh Mortgage related to Ocwen mortgage have been sued so many times its ridiculous. I want this complaint to stand for a while not be settled in one day like the last one. Nothing was addressed by them other than legal paperwork. Does not excuse their treatment of a XXXX woman and And stealing of profits that couldve allowed us to move on to get another place to rent or buy. Theyve ruined our credit with this. So it basically be on XXXX XXXX which is unconscionable I did contact Phh his attorney he was aware of the purchase and sale. He ignored it. And ignored litigation in the courts thats going on right now in the Supreme Court of New Hampshire. And a remand is asked by us to the lower court which really shouldve settled the state to prevent this foreclosure. They knew this and did it anyway for closing on my house. This company Has no regard for human compassion and against XXXX act laws. And certainly not a reasonable weight of two weeks for the house to sale before their foreclosure. They should be reprimanded and I want this report answered sincerely why they did it anyway. We are in XXXX XXXX My wife has been ill worse since this. Phh Mortgage was well aware of XXXX people living here in my home. It seems like my last complaint was answered in two days. How can that be with no research I want this researched and I want them held accountable for against the XXXX act in an illegal act to dislodge us from our house especially when they know we will make profit and move on with compassion. They had none or even considering litigation in the courts sincerely XXXX XXXX
|
| 07/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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XX/XX/XXXX We started falling behind on our mortgage in XXXX. My husband had his own flooring installation business for years and had been doing well, but the income was unsteady. We had bought a pickup truck for the business and personal use and we were leasing a Minivan for my XXXX XXXX and personal use. We had to give both of them back because we could n't afford them, but then had to turn around and buy used Minivan for my business, and a new work van for my husband. The monthly payment went down half, but the XXXX XXXX was always changing so you might not have a full XXXX all the time and my husbands business was not paying enough after costs. No matter what we did we could n't get ahead. We contacted our Servicing company, Ocwen. All we wanted to do is put the amount we were behind put on the back end of the mortgage to start fresh. Ocwen was asking for the same documents over and over again, Pay stubs, profit and loss from our XXXX XXXX, taxes from the last three years, bank statements from last 6 months. They kept coming back and telling us that things were unreadable, or illegible. We started snail mailing the papers because it was getting ridiculous. Then by the time we got everything in and they decided to look at the paperwork, the process had " expired ''. So we would have to start the process over again from the very beginning, including the application and re sending the papers that we had JUST sent them!!!! Because why? Didnt they just get them? Had things changed over a few days? This is still going on today, we are just starting the fourth attempt to get help. We were communicating with our 2nd mortgage holder as well. They were being as helpful as ever, at least we think so. They told us the only way to save our house at that point was to file for bankruptcy under chapter XXXX. That would wipe out the 2nd mortgage and free us from that monthly bill. We found a local lawyer who practices bankruptcy law. He charged us several thousand dollars to file the case and it was pretty much done. Things were going well. Bills were getting paid, except for the mortgage. We contacted ocwen again to tell them we were unable to pay the bill for an unknown amount of time and if there was anything they could do, like defer the payments a few months. The woman on the phone, I wish I had written her name down at the time, told us we did not have to pay the mortgage because we were protected under the bankruptcy, and our payments were not going to the mortgage anyway, they were going to an escrow account. She told us to keep the money and .they may or may not be asking for it when the time is right. We were saving as much of it as possible. We have XXXX little girls and XXXX cars in rough shape and having difficulty. We had lots of personal and social issues with our children we had to take care of, so the money didnt always go where it should have, but instead, where it was needed. We were told after a while by our attorney that we should have been making payments and should start as soon as possible. And so we started paying what we could to stave off any attempt to take our house. We were paying in small increments, XXXX here XXXX there. XXXX was taking extra side work to help out as much as he could and I had as many children as she could have legally. We were refinancing our house for four years with Ocwen and not getting anywhere. We were making full payments for XXXX and XXXX. Ocwen had hired a lawyer firm to help get relief from stay. Our attorney informed us of this and asked what steps we were taking to stop it. We told him in an email that we were in fact talking to ocwen and trying to refinance as well as making full payments. Apparently he didnt think we were doing enough because he didnt even represent us in court. We didnt find out until we received a letter in the mail saying that the relief of stay was granted. We were devastated! How could they even ask for the relief if we were in the middle of a refinance and were talking with them. We were also making payments, which we found out they were not accepting them anymore when we had our XXXX payment returned to us, as well as XXXX payment. We didnt know about any ability to appeal until we spoke to another attorney about it. At that point it was too late. Apparently you only have 14 days to appeal. We just want a fair shake at saving our house and it seems like Ocwen is dropping the ball and letting/helping us fail. Sincerely,
|
| 02/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am the successor of interest for this property and PHH acknowledges that. All documentation comes to me addressed in my name. Prior to receiving a loan modification. I had numerous issues with PHH refusing to cooperate with me to keep my property and dual tracking. I applied for a loan modification XXXX XXXX XXXX, After we were told the file was in review we were then told it was denied becauseof a sale date.Now please see first attached documents dated XXXX PHH sent me two separate letters on the same exact date ( both are in the same attachment ). One stated they received my request for loan assistancebut due to the sale date there is not enough time to review my file SEE PAGE 4 .However my file WAS in review for loan assistance as we had been calling in to get weekly updates. Please see page 8 ( of the same first attachment ) dated the same date as the first letter stating that they are reviewing my file for loan assistance.We broughtthis to PHH attention and finally, after all of these unnecessary issues, complaints, and calls, I was finally given a loan modification. It was a fight. I was approved in XX/XX/2022 after a huge struggle. Please see attached complaints after complaints from my third party in regards to obtaining information. PHH purposely does everything in their power so people can lose their homes. There is no excuse for what I had to endure.I made all three trial payments. Please see attached proof of payments ( 3rd attachment ). They were made in a timely manner. I was advised that I would need to send in the family transfer package. I was told numerous times that these documents did not need to be sent in right away. Please see attached phone records of all my contact calls with PHH ( 4th attachment ) Every time I called and I was basically told something different. I asked for XXXXspeaking as my primary language is XXXX and there was obviously a language barrier but I could never get any help. I kept them in the loop of what was going on and they said everything was fine.The next thing you know, I am denied due to the family transfer package issue! PHH reps were telling me that it did not need to be sent in at the moment. I have a deed with me and XXXX and told them I was working on getting the deed with just my name on it. They said forme to take my time. Please see attached denial letter. ( 5th attachment ). We have called in to PHH and they said I have to apply for a new loan modification. The thing is they have the assumption package please see attached ( 6th and 7th attachment ) .I sent them the package. I should have never listened to PHH when they said they did not need the paperwork at the moment. They set me up to fail.They have always had the deed with my name which is why I am successor of interest. I was waiting on the court and county recorder for the deed with just my name and PHH was aware of this and kept saying that I did not need to send anything at the moment that I could wait to send it. They purposely don't explain things properly and leave information out all the time. So now here is another issue. PHH is telling us my file is being reviewed for the family transfer package and they are saying they will have a response in 60 days but yet are stating that I have to reapply for a loan modification all over again. I know PHH never wanted to give me a loan modification. The way they treated me the first time around, doing everything they could to mess with me and my family and 3rd party. From the start they were trying to deny me assistancebut good thing I had someone helping me because they are the ones that caughtthe dual tracking and being double standard and kept sending in complaints to escalated cases. This makes no sense as to what is going on now.. They are taking advantage of me due to my race, ethnicity, sex, national origin and language. I am demanding someone review everything that I am stating and that my file and loan modification move forward without having to start over! This is completely unacceptable and racist. I have done everything on my end that needed to be done and PHH age is doing everything they can to make sure I lose this property just like they attempted to do the first time I applied. This is almost going on a year battling with them and I am tired of it. The first original email asking them to review my file for a loan modification is also attached! PHH refuses to be held accountable for anything that they do.
|
| 12/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am reaching out to you because I need help with my mortgage company. I feel I am being treated unfairly and i need to know my rights and what if any recourse I have. I was with Ocwen LLC when i was notified that the mortgagee co was being brought by PHH mortgage ( XXXX XXXX ). The next thing I received was a return of the last 4 or 5 payments with a note indicating that my mortgage increased, it asked that I add the increase.
Also, I added the increase, returned the payments and paid two additional payments. I spoke to a rep to ensure we were on the same page as far as how much I owed. Originally, they had erroneous information, but i keep good records, so we got it all straight over the phone. I then went into the bank and requested a cashiers check for XXXX and another XXXX and sent off. A few weeks later, I get a letter stating that my home is in foreclosure, my mom and I received calls and letters from real estate investors asking about buying my house. ( My mom lives in Florida ; we share the same first and last name ) After weeks of calling tirelessly and struggling to speak with a rep who spoke clear english and never being able to speak to a manager, I discovered that the company did not know where my XXXX check was, they started an investigation and I began communication with the research department.
During this time, I called the department several times to follow up and no one EVER once called me, despite ensuring me that they would. I have recorded most of the dates, agent ID 's and outcomes of these conversations. The research dept advised me not to send in XXXX and XXXX payments until they located the {$6300.00} check. Meanwhile, my financial institution ( XXXX XXXX ) did their own research and I soon discovered that the XXXX check was cashed on XX/XX/2019 which was 4 days after it was sent.
I sent evidence to PHH mtg co but still I heard nothing. I have sent certified letters requesting written acknowledgment of the current situation for my records, they sent a letter stating ( literally ) that they received my letter, and nothing more. I never wrote a letter, I wrote a complaint and sent it to them CERTIFIED. It was not even acknowledged by the company. Nevertheless, they eventually sent the XXXX check back to me, it was written to their company, ( so it was cashed! ) they then stated that the check had been REJECTED on XX/XX/XXXX when they CASHED and LOST it. I was deeply offended by this. After months of waiting, they casually dismissed me and LIED on me statmg that my payment had been rejected. They also returned the XXXX check which was never cashed. Again, I say that at no point was my mortgage 90 days behind! Therefore, I should never be in foreclosure status ; also, I was unable to pay in XXXX or XXXX ( according to PHH ) and I do not feel that I should be treated that way. For example, they would only accept certified funds to be wired or sent electronically and that I had to send no later thanXX/XX/2019 etc. This when i was not in FORECLOSURE!
I do not feel comfortable with this company, I want this cleared up and I want it acknowledged that they made an error. Why should I be on a foreclosure list or have my credit destroyed? why should my elderly mother be called and harassed and made to think that the only child she has to depend on is in a financial upheaval.
I am tormented and harassed by investors constanty either via phone call or mail, a few have come to visit me. The mortgage company is causing me stress and pain as they wont communicate effectively.Someone came and served me as a clerk of the court and invited me to a foreclosure meeting scheduled in XXXX after XXXX!!!!
I have even reached out to XXXX the law firm handling the case and they weren't much help but suggested I get my own lawyer because the things i was stating sounded strange. I refuse to allow a company to treat me this way and I am reaching out to you to know if I have any recourse in this situation. Since then, I have reinstatesd the mortgage based on my correspondance with XXXX lawgroup. I sent them XXXX, XXXX on XX/XX/XXXX and I have paid my XXXX mortgage. However, I feel I have been charged wrongly as my mortgage was never 90 days late. Also, they have added another XXXX to my mortgage and have not described what the fees are for.
have documented everything. I hope i don't have to take this treatment from my mortgage company lying down.
Sincerely,
|
| 04/08/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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XXXX XXXX 2020 To Whom It May Concern This letter is to inform you of the issues we have faced ( so far ) with XX/XX/XXXX and PHH Mortgage Services regarding the transfer of the mortgage for our home at XXXX XXXX XXXX XXXX, XXXX XXXX, KY.
After thirty years of doing business with XX/XX/XXXX and its antecedents, we received a letter informing us our mortgage would be transferred to PHH Mortgage Services within a month. No explanation was offered. No refinancing opportunities through XX/XX/XXXX for loyal and long-term customers were offered. We were dumped. Investigation into PHH revealed a five-year history of thousands of complaints filed with the Consumer Finance Protection Bureau and an F rating by the XXXX XXXX XXXX
The XXXX mortgage payment was paid to XX/XX/XXXX by ACH, as usual, from our XXXXXXXXXX Bank account on XXXX XXXX 2020.
We were told to expect a communication from PHH about the mortgage transfer.
Next, we took the loan number from the XXXX letter to try and establish an account at PHH. The web site said the loan number was invalid.
XX/XX/XXXX said PHH would get the notification of the account number after XX/XX/XXXX and the loan number would work then.
To prevent any possible lapse in payment and assessment of any late penalties from PHH, on XXXX XX/XX/2020 we elected to send check # XXXX drawn on XXXXXXXXXX Bank, by certified mail to PHH for the XX/XX/XXXX payment of {$770.00}. Written on the check was the loan number originally given us by XX/XX/XXXX.
After XX/XX/XXXX I went on the PHH website to register for an account. Again, the loan number from XXXX was not accepted.
After a couple weeks, we contacted the XXXX because we had not received confirmation of delivery of the certified letter to PHH. XXXX did not know where the letter was and promised to look.
I called XXXX and was given another loan number to use, without any explanation as to why we were not given this number in the first place.
I went on the PHH website but was still unable to register. The website kept rejecting my password even though I followed the password displayed rules on the website. I called PHH several times but could not make a connection. Eventually I got through after a twenty-minute wait. The man on the phone told me I was using the wrong password rules and gave me new ones. Passwords using his rules did not work, repeatedly. He clearly thought I was some sort of dunce. After I tried one more time, using his password rules and Iit did not work. I told him what password I had tried. He said it should have worked and transferred me to someone else. After a couple more tries with yet another set of password rules, I was able to establish an account.
Since we still did not know where the PHH check was, I made a mortgage payment of {$770.00} from our checking account to PHH on their website via XX/XX/XXXX( which cost me a {$7.00} fee! ). The receipt printout from XXXX states {$780.00} was received for the XXXX XX/XX/XXXX 2020 payment.
I received a letter from PHH dated XXXX XXXX 2020 stating I owed $ XX/XX/XXXX-a past due payment of {$770.00} and a XXXX XX/XX/XXXX 2020 payment of {$770.00}.
We received a Privacy Notice from PHH.
On XXXX XXXX 2020 I received an email from the XXXX stating the certified letter had been delivered in XXXX, PA.
I received a letter from PHH dated XXXX XXXX 2020 stating I still owed $ XXXX past due payment of {$770.00} and a XXXX XX/XX/XXXX 2020 payment of {$770.00}.
I received a letter from PHH dated XXXX XXXX 2020 stating a payment of {$770.00} would be due XX/XX/XXXX2020.
On XXXX XXXX 2020 I checked the PHH account on-line which said there was no outstanding balance and a payment will be due XXXX XXXX 2020.
XXXXXXXXXX Bank says check # XXXX to PHH Mortgage Services was paid on XXXX XX/XX/2020.
On XXXX XX/XX/XXXX 2020 I received a letter from PHH stating that a recent payment had been rejected due to The banking authority is unable to locate the information pertaining to your account.
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX P.S. This letter was sent to XXXX. XXXX XXXX sent me this message : Your message wasn't delivered. Despite repeated attempts to deliver your message, the recipient 's email system refused to accept a connection from your email system.
CC : Consumer Financial Protection Bureau https : //www.consumerfinance.gov XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/19/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I understand that OCWEN Loan Servicing LLC is being sued by the CFPB for numerous charges including misapplying borrower payments, botched escrow and insurance payments. I have in the past and am currently battling OCWEN on these exact same issues. I am relieved to hear that OCWEN might finally be penalized for these unscrupulous business tactics. I am seeking assistance to stop OCWEN from foreclosing on my property. I have received Delinquency and Default Notices and they are threatening foreclosure although all of my payments have been made on-time and in full. I have never missed a payment! The following is a timeline of events related to my most recent issue : XX/XX/XXXX : Enter into attached Interest-Only Mortgage Modification with GMAC Mortgage ( this loan subsequently acquired by OCWEN Loan Servicing, LLC ) XX/XX/XXXX : Escrow Analysis received : effective XX/XX/XXXX, new escrow payment= {$410.00} total shortage= {$1300.00} new monthly payment= {$1500.00}XX/XX/XXXX : I sent written notice to OCWEN that I will no longer be paying my escrow with my monthly mortgage payment following disbursement of my property taxes by OCWEN from my escrow account. ( due to numerous discrepancies and inaccuracies in this and past Escrow Analyses ) XX/XX/XXXX : Property taxes disbursed by OCWEN to XXXX County, FL tax collector- {$2200.00} XX/XX/XXXX : Escrow balance= {$46.00} XX/XX/XXXX : Escrow Analysis received : effective XX/XX/XXXX, new escrow payment {$360.00} and total shortage of {$740.00} new payment = {$1400.00} XX/XX/XXXX - current : I make payment of {$1100.00} each month on-time and in full. This amount is the interest-only payment required per the terms of my Interest-Only Mortgage Modification Agreement. I am not required to pay escrow or principal until XX/XX/XXXX. ( See Section 4 of the agreement )XX/XX/XXXX - receive Delinquency Notice stating I owe {$3300.00} XX/XX/XXXX - receive letter from OCWEN stating hazard insurance coverage insufficient. XX/XX/XXXX - XXXX ( my insurer ) provides written notice to OCWEN that Insured is to be billed. XX/XX/XXXX - receive Delinquency Notice stating I owe {$3800.00}. XX/XX/XXXX - XXXX sends notice to OCWEN of new hazard coverage amount. XXXX OCWEN pays {$1300.00} to XXXX premium on policy for the insufficient coverage! XXXX I meet with a HUD Housing Credit Counselor and together place a call to OCWEN to rectify the issues related to the Default status, the misapplied portion of my monthly payment to escrow and why they made payment to XXXX and for the lesser hazard coverage. Nothing is resolved in the phone call, yet the customer service representative states he will email me a follow-up. XX/XX/XXXX -receive an email with the attached Reinstatement Letter - with fees and line items that make no sense at all. XXXX I receive my updated policy and invoice from XXXX for the increased coverage. I make payment of {$94.00} for the shortage as a result of OCWEN payment on XX/XX/XXXX. XX/XX/XXXX - receive another insufficient hazard coverage notice from OCWEN XX/XX/XXXX - OCWEN makes payment to XXXX in the amount of {$94.00} for the sufficient amount of hazard coverage. ( I discovered this today-XXXX ) XXXX Meet with HUD Housing Credit Counselor and place another call to OCWEN. Directed to a Relationship Manager. All the same questions which were asked on the XX/XX/XXXX call are asked again, with no resolution. The Relationship Manager stated repeatedly that I owe the escrow, he ca n't undo the Default status nor correct any negative credit reporting. He further stated that he could n't " de-escrow '' my account since I had less than a 75 % Loan to Value Ratio. How can this apply to an Interest-Only Loan?? I can never get my balance down, since I do n't pay any principal! OCWEN is trying to foreclose upon a customer who has never missed a payment! I am seeking relief from OCWEN 's threats of foreclosure. I demand OCWEN rectify financial information related to my account- bringing my loan current, removing all fees, stop applying my interest payments towards escrow, no longer make payments for insurance and property taxes on my behalf, and remove all negative credit reporting. I intend to ask XXXX to reimburse OCWEN for the payment they made and then pay XXXX directly for the total premium for the increased coverage. OCWEN will be provided a copy of the declaration to ensure the coverage is sufficient. I look forward to your response.
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| 07/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We have had loan XXXX with Ocwen for several years. It did not originate with them, but it was transferred from XXXX. I am a XXXX and have been XXXX XXXX, but then I left XXXX XXXX and was off XXXX until later when I went on orders with the XXXX XXXX XXXX. During times I have been on XXXX, my mortgage companies have honored the Sailors and Soldiers Credit Relief Act ( SCRA ) and have dropped my interest rate. This has been a major help to me. However, recently, I sent in my orders and received notice that they would not honor SCRA. They said that because the house was purchased while I was on XXXX XXXX orders years ago, despite being XXXX XXXX and then going on new orders, they would not honor SCRA. All my other mortgage companies do. In addition, we have had numerous challenges with this property. Though it is listed as an investment property, we purchased it hoping that it would house either our family or my mother in XXXX. However, that has not worked out, and we have tried for many years now to rent it and sell it since the value has been underwater. We tried to work with Ocwen on a short sale, and Ocwen was so aggravating and constantly asked for the same paperwork over and over again. We ultimately were not approved for the short sale, so we are stuck renting it at a major loss, but Ocwen has been absolutely horrible to work with. Every time we call we get a different person, and they are not from the United States and never seem to understand what we are trying to do. In the SCRA situation, we just received the following letter. I have been out of XXXX XXXX since XXXX, so I find it hard to believe that for all these years, they did n't have the right information. I also feel that they are not applying this benefit properly, and I hope that you will investigate. Dear XXXX, On behalf of Ocwen XXXX XXXX, XXXX, the Escalation Department would like to thank you for your recent inquiry. The Escalation Department was created to provide a resource to assist with unresolved concerns and issues. Thank you for bringing your payment and SCRA benefit concerns to our attention. Ocwen has completed the research into these concerns and confirmed all issues are resolved. The law does limit eligibility for this interest rate protection on loans incurred before the service-member enters into military service. Example is when on XXXX XXXX. The DMDC website was created to confirm the military status for creditors and various entities to determine eligibility for SCRA protections. We obtain a DMDC certificate that confirms the military status. The DMDC has performed several updates recently to ensure that the data provided is accurate. Previously we provided the 6 % interest rate protection on the loan during a XXXX because at the time, the DMDC website indicated the loan was not originated while you were on XXXX XXXX. Currently, the DMDC 's certificate shows that the loan was originated while you were on XXXX XXXX. Although you were provided the benefit of a lower interest rate during the course of the servicing of this loan, as per the information we obtained, we are not able to adjust the interest rate per the SCRA requirements. If these payments are going to cause financial difficulty, we suggest that you attempt to refinance or you may contact us to discuss the possibility of a modification or settlement of the debt. Please accept our apology for any confusion regarding this issue. Should you have any further concerns, you may contact me directly toll free at ( XXXX ) XXXX, select Option 1, Extension XXXX or email XXXXXXXXXXXX. For general account questions, you may visit XXXX. You XXXX also contact Ocwen 's Customer Care Center via telephone at ( XXXX ) XXXX. Monday? Friday XXXX XXXX? XXXX XXXX ET Saturday XXXX XXXX? XXXX XXXX ET Sunday XXXX XXXX? XXXX XXXX ET Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Sincerely, XXXX XXXX Escalation Relationship Manager Ocwen Loan Servicing, LLC This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is purely provided to you for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally.
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| 07/01/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been turned down for a loan modification that started on XX/XX/XXXX. I have emailed out four different request for information and had countless conversations with PHH employees. This has been the most painful process I have ever endured. They request more information, I send it immediately. I hear nothing for an average of two weeks. I get another phone call. Mr. XXXX we need one more piece of information from you. I immediately sent the information. Two weeks later, again. Mr. XXXX we need you to verify a {$610.00} income you have. I informed the employee it is on my taxes {$610.00}. Yes but we need you to explain in writing this to us. I do as said and sent a signed letter. Two weeks later, I get another call. Mr. XXXX we need to know what the {$400.00} from XXXX XXXX XXXX XXXX XXXX is. I explained to the employee this is the bi-weekly rent payment on the house. I explained that in my second email to you with the bank statement you asked for from the start. The house is paying for itself. Just like the information you requested about the {$610.00}. Its in there as income. Why do you need to know where it came from? Therefore my predicament is this.
Since XX/XX/XXXX PHH has prolonged the process until now my renters got a foreclosure letter delivered to the XXXX XXXX XXXX XXXX, Va. Address. They subsequently left and now my ability to make two payments is impossible. PHH was unwilling to work with me in the way that I could afford. I was just getting out of bankruptcy. My case was completed on XX/XX/XXXX. The Trustee Mr. XXXX XXXX did not sign the discharge until XX/XX/XXXX. I personally didnt receive my hard copy until XX/XX/XXXX, which is three days after I started negotiations with PHH. I should not be punished because I could not speak with PHH during my bankruptcy, because that is the law. As I did with OCWEN, when I never missed a payment I did not ignore my responsibility as I tried repeatedly to sign up for auto draft in XXXX and XXXX of XXXX. Both times I was told it was glitch in crossover of the two companies. I finally asked for a supervisor the third time. It was then I was informed PHH will not take auto drafts from people in bankruptcy. I said then tell me what I owe and what I am behind, and I will make up for it in, checks. Their answer was, we cant talk to anyone in bankruptcy. I informed the employee. This account is not a part of the bankruptcy. I left you all out of the bankruptcy. They said they still cant tell me. They did say you can go ahead and send checks. Now, would you feel comfortable with sending a check to an entity which does not allow auto draft and cant give me any specifics about my loan, and has a history like PHH? My point to be taken is : Please refer to " Additional Legal Disclosures '' Provided by PHH. OCWEN/PHH were not included in my bankruptcy I continued my house payments to OCWEN with auto draft. The last sentence under Notice Regarding Bankruptcy : States if the account is in active Chapter XXXX, XXXX, or XXXX bankruptcy case and an Order for relief from the Automatic Stay not been issued, the account holders should continue to make payments in accordance with the plan. I attempted on three occasions the make payments in accordance with the plan. PHH Customer Service informed me, because I was in bankruptcy I could not use auto draft. My understanding is the account was not under bankruptcy. Therefore I should have had access to auto draft and requested information for payments in accordance and information to my account. If I would have had access to my account records I would not be in this terrible mess. I still have yet to receive one bill for my house payment. PHH skipped that, and went right into foreclosure after my bankruptcy was finalized.
No bank would give me the initial {$10000.00} credit they asked for in XXXX. Once my bankruptcy discharged was received I tried to get a loan. After my bankruptcy was discharged two banks, XXXX XXXX XXXX XXXX and XXXX XXXX re-entered remaining money to the three credit bureaus after my discharge date of said bankruptcy agreement. This put my credit below XXXX. I can send you the same information I sent the banks and sent XXXX, XXXX, and XXXX. The point of this letter is to show just how much PHH has not worked with me, how much they dont care if I keep the home or not. Everything I sent to PHH I am sending you.
Signed Sincerely, XXXX XXXX XXXX XX/XX/XXXX
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| 12/02/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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PHH Mortgage squired my loan from Ocwen earlier thus year. I was already behind due to a decrease in hours of work at my job. By the time I was able to make a partial payment, the account was already sent to foreclosure. I woke with the company and acquired a loan to pay the amount in arrears but the company added an excess of fees above the amount I was behind. When I went to the mortgage company to pay the amount, the would not accept a payment. I was instructed to apply for a modification which I have done previously as well as a repayment plan with Ocwen. The process then was easy and simple and it only took 30 days to complete.
On XX/XX/XXXX after receiving the notice of foreclosure letter, I contacted an attorney who filed to stop the foreclosure. I then began the modification process with PHH. OVER and OVER again i was asked to send the same documents over and over again. It was very frustrating. I sent them same documents so many times that one representative told me she was going to file a complaint because she was able to find ALL of my documents so she didnt understand why no one else could. I called in and waited and waited. I FINALLY received a notice on XX/XX/XXXX that they had all documents and would start reviewing my file. On XX/XX/XXXX I received yet ANOTHER letter stating I needed to submit a NEW application and documents because my application had expired. I immediately called in and asked to speak with the assigned relationship manager. It wasnt until after I filed a complaint on the Consumer Affairs website that I received a call. He was kind and spoke with me and helped me with what I needed to do. He said he would call the next day but didnt until 3 days later after which he stated that there were so many documents in my file that it was overloading the system. He finally instructed me about which documents to submit and explained why. He asked me to call him and let him know when said documents were submitted. I called and did just that. Since then, I have not received a call from PHH. I have had to call them SEVERAL times because the website INSISTS that they still do not have my documents. Come to find out, email address that I was given to send my documents had changed WITHOUT NOTIFICATION!!!!!! I was livid and called them YET again and spoke with someone who told me they needed loss statements from my business. FOR THE 50th time I explained to them that I DO NOT WORK FOR MYSELF and that ALL 3 PAY STUBS from the 3 jobs that I now work were included in the packet. They then came back and asked for proof of XXXX XXXXt on my bank statements. I had the bank print the photocopy of ALL XXXX XXXX CHECKS and emailed them ( TO THE CORRECT EMAIL ADDRESS THANKS TO YET A DIFFERENT REPRESENTATIVE ) as well as uploaded them to the website TWICE along with the explanation that I dont always deposit the checks. I sometimes cash them but the BANK STILL SHOWED PROOF OF CHECKS BEING TAKEN TO BANK!!!! Af of today, the website is still asking for additional documentation to which I have NO CLUE as to what they need because when I call the wait times are RIDICULOUS due to SO MANY CALLS. There are so many complaints about this companies practices. Their payment website isnt functioning and people are saying they are claiming not to receive payment. I had until XX/XX/XXXX to submit documents and I have submitted these documents OVET AND OVER again. There is a BREAKDOWN in their system somewhere and this company is NOT concerned with helping homeowners!!!!! I have already paid a lawyer {$1200.00} to avoid foreclosure but Im not sure what the next step will be if this modification isnt successful. I am a single mother of XXXX and I am very well capable of keeping my home at this point. I have given them bank statements proving this!!!!! The income is above what I need to support a fair mortgage agreement. PHH is unprofessional and their system is BROKEN. As you can see by the attachments, I have been submitting these documents over and over again in both email and uploading to website since XX/XX/XXXX and ACCORDING TO THE WEBSITE, MOSTOF THE DOCUMENTS WEREN'T EVEN VIEWED!!!!!! They have been sued once for unfair mortgage practices and it seems as if they have it fixed the problem. I have filed two more complaints to the consumer affairs bureau that have not been published or responded to. PHH NEEDS TO FIX THEIR SYSTEM!!!! I just want to save my home!!!!
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| 01/31/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX XXXX ( 0 minutes ago ) IT WOULD, ALSO, BE FAIR FOR ME TO BE AWARDED COMPENSATION FOR ALL THE MORTGAGE COMPANIES XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX AND XXXX, ETC. XXXX OF THEM, BANKS, SERVICING COMPANIES THAT FLIP AND BUNDLED AND SOLD MY LOANS. OFTENTIMES, WHEN THEY CHANGED HANDS I WAS NOT NOTIFIED AND WHEN I WAS PAYING NOTES, THE OLD MORTGAGE COMPANIES KEPT MY PAYMENTS AND DID NOT TURN THEM OVER TO NEW MORTGAGE COMPANY AND THEY DEMANDED I PAY AGAIN, TWICE.
to me OCWEN IS BREAKING THE FDPCA -- FEDERAL DEBT PROTECTION COLLECTION ACT BY FILING A CLAIM AGAINST ME, THE HOMEOWNER ON A STALE TEXAS 4 YEAR STATUE OF LIMITATIONS TIME-BARRED DEBT. WILL YOU, THE CONSUMER FINANCE PROTECTION BUREAU, CITE OCWEN FOR VIIOLATIONS? WILL YOU PROTECT THE HOMEOWNERS OF AMERICA WHO ARE UNJUSTLY MISTREATED?
DID YOU KNOW @ XXXX HOMEOWNERS HAD HOUSES FORECLOSED ON IN PAST 6 OR 12 MONTH PERIODS IN U.S? YOU, CFPB, ARE SUPPOSE TO PROTECT US.
Thursday, XX/XX/XXXX and Wednesday, XX/XX/ *****THIS LETTER SERVES AS NEWLY DISCOVERED EVIDENCE AGAINST OCWEN LOAN SERVICING, AND IS EVIDENCE OF WRONGDOING AND THEM BREAKING FEDERAL TRADE COMMISSION AND CONSUMER FINANCE RULES AND DEPARTMENT OF SAVINGS AND LOAN RULES : ***** I. I allege that Ocwen is retaliating against me and denied my loan modifications after promising me to work with me, and stated they would definitely give me a loan mod, because : 1. Ocwen found out through letters agencies sent to them that I filed complaints against them ; only, then, suddenly, they denied my loan mod.
2. I allege also, that Ocwen is discriminating against me, because I am on a fixed income.
3. The Legal Disclosures regarding Notice regarding Credit Discrimination states : " The Federal Equal Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age or because " all or part of the applicant 's income derives from any public assistance program '' or because the applicant " has in good faith exercised any right under the Consumer Credit Protection. The FTC -- Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580 is the federal agency that administers compliance with this law concerning the creditor.
II. I HEREBY STATE THE ABOVE STATED IS EVIDENCE TO ADD TO MY FILE TO RE-OPEN MY CASE, OR ISSUE ME A NEW CASE BECAUSE I ALLEGE OCWEN IS DISCRIMINATING AGAINST ME, BECAUSE OF : 1. age-I am an elderly XXXX XXXX XXXX woman. 2. marital status -- I am not married 3. public assistance programs -- I get small XXXX and a social security check monthly and monthly food stamps, and 4. I exercised my my right under the Consumer Credit Protection Act.
TO THE OCWEN LOAN MODIFICATION DEPT AND RELATIONSHIP MANAGER : THIS LETTER SERVES AS MY APPEAL FOR MY LOAN MODIFICATION YOU DENIED ON LETTER DATED WEDNESDAY, XX/XX/ OCWEN SENT TO ME.
Your rules state I have 30 days to appeal ; thus, this letter is serving as my appeal to your denial of my loan modifications.
Some of your information might be incorrect ; thusly, I am asking you to review my information again for my loan modification.
I am, also, asking you to solve this matter in all fairness to me by giving me the deed and title to my home, asap free and clear and to cancel my debt on this loan with Ocwen Servicing Loan you say I owe, as the 4 Year Statue of Limitations and Time-Barred Debt is in affect on my loan, and you have no right to bring any negative procedures against me. This account is still under litigation.
I am considering my other LIMITED options I have with your company. Right now, I am requesting you to send me a " Short Sell '' packet and all the instructions for a short sell. Yes, I do have a realtor, and I do have a BUYER for my home, IF YOU REDUCE THE TOTAL AMOUNT OWED, SO I AM ASKING YOU TO SEND ME A PAYOFF STATEMENT AND TO CANCEL THE MAJORITY OF THIS DEBT, AND PERHAPS CANCEL {$300000.00} OF THIS DEBT OR TO JUST VOID THE TOTAL DEBT AND GIVE ME MY DEED/TITLE FREE AND CLEAR TO MY HOME.
AGAIN I AM ASKING FOR SEVERAL THINGS.
1. Reconsider a loan modification you denied, again, after you promised one to me, before I made my complaints 2. Give me the title/deed to my home free and clear.
3. Send a complete Ocwen Loan Servicing short sell packet to me.
4. Send me a greatly reduced payoff statement.
XXXX XXXX Account No. XXXX XXXX
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| 09/07/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX I submitted paperwork from the Department of Veterans Affairs as well as the Baltimore Municipal Department showing that I was now exempt from paying property tax as i am a XXXX XXXX XXXXXXXX veteran.
I called at least two times per month between XXXX and XXXX to get a followup from PHH on the new escrow analysis and mortgage payment to reflect this change.
On XX/XX/XXXX at XXXX XXXX EST I followed up again and and was instructed to send documentation via email showing that I was exempted. I submitted an email to PHH with a form from Maryland State showing the property exemption per a phone call with them and was told to send to XXXX. I called a week later and it was confirmed that this form was received and that they had forwarded to the escrow department for analysis.
I also received this email as confirmation later that afternoon.
Customer Care XXXX Fri, XX/XX/XXXX, XXXX XXXX to me Dear XXXX, The exemption has been forwarded to our Tax Department for review.
For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX XXXX XXXX XXXX ET Saturday XXXX XXXX XXXX XXXX XXXX XXXX ET PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX The information contained in this communication is confidential and only intended for the personal and confidential use of the individual or entity to which it's addressed. If you are not the addressee ( or authorized agent ) indicated in this message, you have received this communication in error. Please destroy it immediately and notify the sender by reply email as any review, dissemination, copying or unauthorized use of this message is strictly prohibited.
Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX To : Customer Care XXXX Subject : XXXX XXXX acct # Date : XX/XX/2022 XXXXXXXX XXXX EDT Hello Full exemption property tax.
Regards, XXXX XXXX XXXX On the XXXXXXXX XXXX XXXXXXXX I was again calling to inquire about the escrow update as I received an email stating that my property tax bill was to be sent out of {$2600.00}. I called immediately to ask why the account had still not been updated as there was no property tax due. I again was told that this would be updated. Per their records the current escrow balance on the account was {$1600.00} as of XX/XX/2022.
I called PHH on the second week of XX/XX/XXXX to find out that indeed the {$2600.00} property tax payment was still sent. This created an advance payment and overage of {$1000.00}.
On XX/XX/2022 the State of Maryland refunded the {$2600.00} payment to PHH. This should have created a balance of {$4200.00}. Which would have been more than enough to cover the Home insurance bill due on XX/XX/2022 of {$2500.00}. Instead because This was listed as creating yet another advance payment on the account.
My issue is that for 4 months PHH never created a new escrow analysis to show the updated amount needed in my account and subsequent refunding me my surplus on the escrow account from the refund of the property tax payment. Instead they applied it to their " advance payment ''.
A new escrow analysis was not made on the account until XX/XX/2022. In which they then state I have a shortage of {$960.00}. I repeatedly asked for an analysis that showed what my account would have been if they would have actually completed the analysis after confirming receipt of my exemption paperwork from the state of Maryland in XXXX. Almost a month before the property tax bill would have needed to be sent out.
PHH refuses to provide any information on what the escrow balance would have been if the escrow analysis was completed any time within the 4 months they had been notified of the exemption. I feel they are stealing and I would have actually been owed a refund if PHH had completed the escrow analysis during that time and they are attempting to keep the money.
Secondly, I have submitted the needed form to PHH almost 3 weeks ago to the mailing address advised asking my account be taken off of escrow completely as I am capable of paying my remaining account with my home insurance myself. They have shady practices and after 14 years with this company I am tired of this.
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| 07/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I modified my mortgage in XXXX as a part of it make home affordable program. As part of the program {$120000.00} balloon payment was going to be added to the end of my mortgage maturity date in XXXX. I would not of this payment until maturity date of XXXX. It would not be a part of my principal balance that is due, or owed, or outstanding. Not until the year XXXX. Therefore I had a principal balance and then I would have a final balloon payment that would not hit maturity until The year XXXX. For almost a decade with two former mortgage companies homeward residential and Ocwen mortgage servicing, they reported to all the major credit bureaus exactly the way that it was supposed to be reported which would be my principal balance that is outstanding and due. Then it would show that I have a payment of XXXX not due until the year XXXX. It would not go against my outstanding income/debt utilization. All of my payments have been paid on time and are perfect. My credit score reflected as such XXXX me a very good XXXX credit score. In XX/XX/XXXX a new mortgage company PHH bought my mortgage from awkward and for whatever reason started reporting that I owe my principal balance plus my one time balloon payment that is not due yet until XXXX. PHH started reporting to major credit bureaus that both principal and maturity balloon payment were due immediately And instantly grenade in my hard earned almost perfect credit score. Costing me thousands and thousands of dollars in interest rates from other credit entities based upon my new credit score that PHH is now affecting. PHH is only holds my mortgage for a little over a year but has made my credit score dropped to at one point a XXXX beacon score, from a XXXX beacon score. It is 100 % because PHH is incorrectly reporting that I owe and half outstanding {$210000.00} in principal mortgage payment when in reality you take that XXXX maturity payment off and my principal balance should be in the range of XXXX due at this time. That is exactly how to different mortgage companies prior to PHH reported correctly on how my make home affordable modification should be presented to the credit bureaus. I have spoken to PHH on multiple dates and I have disputed how PHH is reporting what I owe and that it is false and not true and that it is most importantly costing me thousands of dollars in interest fees because of their inconsistent and unprofessional way of doing business. In fact their escalation manager even said to me today XX/XX/XXXX that the prior to mortgage companies since XXXX have gone out of business because of how they did business and that PHH is not obligated to adhere to the modification of my XXXX mortgage and they have every right to combine my principal balance and my balloon payment that is not due yet and consider them outstanding and report the two balances as one even if it is negatively affecting my credit. They even said that I have a choice if I want to hire an attorney which I shouldnt have to because it is their business practices and their bottom line that they are putting that is the problem. I have disputed it multiple times with all three credit bureaus and PHH has put out a statement stating that the dispute has been worked out and it 100 % has not nor has it even changed. They are reporting the wrong amounts to the credit bureaus. As of right now but they should be reporting is my principal balance that is crewing interest bearing. And they should not be reporting {$120000.00} balloon payment That has not hit its maturity date yet. It is called maturity date because its gon na take time to get to that point where I owe it. In laymans terms it should not be going to get my credit and income to debt ratio until the year XXXX when it will finally be due. All Im asking PHH in regards to this matter is to please report my principal balance that is current just like the previous two mortgage companies for the past decade have reported my principal balance which is the balance not including the one time balloon payment. They should only be reporting my principal balance in and around the sum of {$84000.00} which is what I have been faithfully paying and have not missed any payments. I just want my credit score to be restored to what it was prior to PHH paying my mortgage without my knowledge or consent. I would like PHH to please report the correct way according to the modification.
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| 03/01/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Lender and Loan Servicer : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX Address for serving Ocwen with Legal Process : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ocwen, as the loan servicer, has stopped reporting my loan payment history to the credit bureaus. They have stated to me verbally ( at least 4 times in the past 6 weeks ) that our mortgage loan was discharged in a bankruptcy, which is not correct.
This is having a detrimental effect on my credit status due to this incorrect reporting by Ocwen.
I have made repeated phone calls to correct this. I have supplied overwhelming documentary evidence to Ocwen showing that they are in error and need to correct this in their system.
Most recently, on XX/XX/XXXX, The Ocwen representative ( XXXX XXXX ) has continued to insist verbally, without any proof or documentation, that our mortgage was discharged in a Chapter XXXX bankruptcy. I very patiently explained to him, on at least two seperate phone calls, that a Chapter XXXX bankruptcy only covers unsecured debt, such as a credit cards, and that it is impossible for a mortgage to be discharged in a Chapter XXXX bankruptcy.
Nevertheless, Ocwen has pulled my mortgage loan reporting to the credit bureaus.
I specifically requested in a written email to Ocwen that my loan status get corrected, specifically so that it would not be incorrectly reported by Ocewn. Ocwen 's action after my written request was to do exactly the opposite - they ceased reporting our loan to the credit bureau.
This constitutes harassment.
To the best of my knowledge, the Ocwen employee responsible for these actions, based on his own ststements to me personally, is XXXX XXXX. He is a senior escalations manager at Ocwen.
Per XXXX XXXX XXXX request, I sent him the relevant documents regarding our Chapter XXXX bankruptcy. I also contacted the Ocwen Consumer Ombudsman on XX/XX/XXXX.
These are publicly available court documents available to anyone on the US Court PACER system, which is where I got them from myself.
I can supply this information to the Consumer Finance Protection Bureau as well, if needed.
The Chapter XXXX bankruptcy case that XXXX XXXX has cited is : XXXX XXXX I asked Ocwen to again report our mortgage to the credit bureaus as being part of our credit history.
I asked Ocwen to please supply me any documentation they may have that contradicts any of the information I supplied to them.
Ocwen is currently not reporting my mortgage history to the credit bureaus. This incorrect action on Ocwen 's part affects my credit history in a derogatory manner. My long record of timely mortgage payments needs to be reported to all 3 credit bureaus immediately and correctly.
I requested that this credit reporting issue be corrected by Ocwen previously. Ocwen has not complied with my request to date.
Additional information : We later DID file a Chapter XXXX bankruptcy case in the Florida Middle Federal Bankruptcy Court : Case XXXX This Ch XXXX case DID involve our mortgage. The mortgage was NOT discharged in this Ch XXXX Bankruptcy. After the Chapter XXXX bankruptcy was DISMISSED ( not discharged ) The mortgage was later modified by the private lender ( Ocwen themselves ) via the federally guaranteed HAMP program. This was done AFTER the Chapter XXXX bankruptcy was DISMISSED ( not discharged ).
After the Chapter XXXX bankruptcy was DISMISSED ( thrown out of court ), I was able to directly work with Ocwen to complete the loan modification process. This was not possible to do while inside a Chapter XXXX bankruptcy, which would have needed to go through the Chapter XXXX Trustee. This was too complex of a process for either Ocwen or myself to negotiate. Therefore, Ocwen and I did it privately, between ourselves, only AFTER we were out of our Chapter XXXX Bankruptcy.
I have include the Ocwen HAMP modification acceptance documentation, as well as the Ch XXXX and Ch XXXX voluntary petitions.
There is no doubt as to the status of our mortgage. I am dumbfounded as to how or why Ocwen could possibly have gotten this so wrong, or the reasons for XXXX XXXX XXXX 's arrogance and insistence regarding this.
I also have a recording of a recent conversation with XXXX XXXX, which I made with his knowledge and consent.
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
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| 09/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/2019, my loan was sold to PHH. I had already paid my XX/XX/XXXX payment to the original owner of the loan on XX/XX/XXXX.
This occurred as I was in the process of refinancing my loan to take advantage of the lower rates.
PHH improperly applied the XX/XX/XXXX payment to escrow on XX/XX/XXXX, making my principal balance higher than it should have been. I discovered this issue on XX/XX/XXXX, as I was working with the loan officer for the refinance.
I called and spoke with supervisor at the time and was told they would put in a request to have it fixed in 7-10 business days, but that they would attempt to escalate it.
After not hearing anything, I called back on XX/XX/XXXX at XXXX, and was informed that no request had been submitted on my account. I was then transferred to the escalation department to work with a representative there named XXXX.
I let her know that I work a job that doesn't allow me to carry my phone on my between 9 and 5, so communication would need to be after hours or via email. XXXX promised to send me an email with contact details that day, so I could call directly and she could send me updates during the work day.
After not receiving any communication on the XX/XX/XXXX, I called back the esclation department the XX/XX/XXXX at XXXX, and after an hour on hold and learned that XXXX had not submitted the request or sent an email.
After still not receiving any communication I called back on the XX/XX/XXXX at XXXX, and spoke with another representative that was unable to connect me to XXXX. It took 45 minutes on hold to reach anyone in the escalation department. I received a templated email with no account details at XXXX on the XX/XX/XXXX. I sent an email requesting information, of which I have yet to receive a response to upon writing this complaint on the XX/XX/XXXX.
On the XX/XX/XXXX at XXXX, I called the escalation department again. The request had been submitted and should have been resolved on the XX/XX/XXXX.
On the XX/XX/XXXX, I called at XXXX. The escalation department line sent me into a hold, and after an hour of waiting, I called the main line at XXXX. That line mentioned the office was closed and hung up after the message.
On today 's date, the XX/XX/XXXX at XXXX, I checked online again to see if my principal had been updated. For the first time, the system said that I had not made any payments, and that my account details would be available after I made my first payment.
I called the escalation department at XXXX, and spent another 30 minutes on hold waiting to speak to someone. I was told the request had not yet been approved, but that XXXX would email me when it had been approved, and let me know I was okay to request a payoff statement. I expressed my frustration with the lack of communication, and asked to speak with a supervisor. I was told that all supervisors were in meetings and could not be reached.
I called back again at XXXX, today, on XX/XX/XXXX, and spent 2 hours on hold, with my call dropping twice, once after 30 minutes, another after 25 minutes, while trying to reach the escalation department. Once I finally had someone on the phone, they told me the process had been approved, but that I would need to call back on the morning at XXXX XXXX to confirm that changes had properly gone through.
I feel like the lack of communication and transparency about my account, the long wait times, the inaccessibility to login to the website unless you are on XXXX XXXX or using a XXXX XXXX browser, and the lack of customer service, is deliberately in place to discourage people from being able to easily access information on their accounts. Unless you are as determined as I have been, calling 1-2x a day, spending 30 minutes - 2 hours on hold, you may not see any action to resolve your account issues.
In their responses to customers on other sites, in particular the XXXX XXXX XXXX, they have indicated that their escalation department would be reaching out, but given my experience, and the lack of communication provided in my situation, this is likely to be a blatant falsehood.
At this point, my refinance closing will be after the 1st of XX/XX/XXXX, meaning my mortgage will be {$350.00} higher than it should have if ( 1 ) the XX/XX/XXXX payment had been applied correctly ( 2 ) If my original request on XX/XX/XXXX had been processed in a timely manner.
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| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX - 7 months into a wrongful foreclosure lawsuit i was tricked by phh mortgage services when i requested the latest escrow analysis documents to my home and phh sent them over using cyber security software known as XXXX that is basically cyber security software that allows employers to run analytics or spy on their employees. But its meant to be used inter organization. This can easily be confirmed in a number of ways. The way i did, was just by XXXX and looking up the company and then reaching out and calling them where they did just that, confirmed it was meant for inter organization use, eg employers and employees only. Problem is i am not their employee but when I clicked off the arbitrary agreement i was made to do in order to view these requested docs. it gave Phh a direct line out to me where they could illegally and without my authorization run analytics on me in an effort to determine if I know of the engineeered mortgage servicer fraud scheme they have going on over there that illegally foreclosed on me a total of 3 times last year even selling off my home on XX/XX/XXXX until they were made to rescind the sale and place mortgage back where rightfully belongs, with me. Once they had access to laptop they got in my phone because it was synced or is using the same network, or using the phone as a hotspot or some other way but no matter what, even if i factory reset the phone like ive done already, which XXXX has record of me calling in and doing this, they think its ok to just come right back and remote in. At one point they took over my phone until i called up there to the offices at phh or XX/XX/XXXXXX/XX/XXXXor what evr they call themselves this time and let them know i am someone with XXXX, and they are infringing on my right to seek legal representation against them, on my right to work since i need my phone to do so and are breaking a number of laws. They let up after that but are still here. Their presence cant be hidden when you know what to look for. Every page i back out of you see it take an unauthorized snapshot and there are other ways you can tell they are still in my phone. This is how they do it, you know. Its noted how we homeowners are told how we dont want to go up against these banks and mortgage companies and how they know anything and everything about us because they have all the money and the power and can pay to know all your transactions and everything about you to make it seem as if they are XXXX. Yea well, easy to do when you trick someone to let you waltz right in where all the information is right there at your fingertips. Please Inform other homeowners, if they ever accepted encrypted documents by phh through forcepoint or any other cyber security software that they may not remember but most likely had to click off some kind of agreement like when signing up for a credit card the 1st time to see those docs. then they need to go back to that original email and disconnect because they to are in jeopardy of having whats happening to me, happen to them. This company should not have any contact with me whatsoever, especially after all theve done to me this past yr. I cant believe they actually think its ok to still hold me down like this, knowing i have no family, no friends, am XXXX and am basically the perfect candidate for them to even do this to. That shows what type of people and company they are.
Proof? Thats easy to provide but really, its not that someone could get hacked like this that should be the question. A quick XXXX search should show anybody using the internet or Wi-Fi can be hacked if someone really wanted to hack them. The real question is what would a XXXX dollar company want with someone like me, a washed up accountant, illegally foreclosed on 3 times last year, home stolen out from under him and sold off, family left as a result of, etc? What could I possibly know that they would go to such great lengths to cover up, where they just poof, made the lawsuit i had on them disappear, where they just outright satisfied the note on my house and offered it to me, a note that i may add according to them and my last invoice received, was XXXX delinquent on payments?
The answer : comes in the next complaint. 1st i need them off and out of my phone, laptop, and whatever else they got in of mine and are using to intrude on me.
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| 06/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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1 ) The pymt I made for {$870.00} that Ocwen rcvd on XXXX/XXXX/XXXX, and {$3300.00} from XXXX/XXXX/XXXX, and {$3300.00} from XXXX/XXXX/XXXX were all canceled and re-posted on XXXX/XXXX/XXXX. Why?
2 ) Why is the pymt I made on XXXX/XXXX/XXXX for {$3300.00} not added to the paid year-to-date amount?
3 ) Why is the paid ytd column on the XXXX/XXXX/XXXX stmt depicting yrly totals for XX/XX/XXXX -XXXX?
4 ) If pymts Ocwen rcvd on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX are applied on XXXX/XXXX/XXXX, why are they not showing up in the paid ytd column on the XXXX/XXXX/XXXX stmt?
5 ) Out of my XX/XX/XXXX pymt of {$3300.00} that Ocwen rcvd on XXXX/XXXX/XXXX, why was {$2300.00} applied to Principal?
6 ) From the remaining {$1000.00} of my XX/XX/XXXX pymt {$430.00} was paid to Escrow. What happened to the {$590.00} that was left?
7 ) Why did Ocwen take {$2300.00} from the {$3300.00} that I paid in XXXX XXXX to apply it to Principal then the following month move it to the Suspense account to match it to the incorrect amount Ocwen had me pay in XXXX XXXX and use it as my pymt for XXXX XXXX when my XX/XX/XXXX pymt was paid in full in XX/XX/XXXX before Ocwen split off the {$2300.00} towards Principal?
8 ) If the amt to satisfy the pymt Ocwen posted on XXXX/XXXX/XXXX was rcvd on XXXX/XXXX/XXXX, why did Ocwen wait eleven days to apply the pymt?
9 ) On the XXXX XXXX, XXXX stmt, the paid ytd amt for Principal is {$2700.00}. Why does it drop to {$840.00} on the XXXX/XXXX/XXXX stmt?
10 ) On the XXXX/XXXX/XXXX stmt, the paid ytd amt total is {$7700.00}. the pymt on the XXXX/XXXX/XXXX stmt of {$3300.00} should bring it to {$11000.00}. Why is it only {$8700.00}?
11 ) the total amt paid ytd on the XXXX/XXXX/XXXX stmt, being corrected to {$11000.00} should be {$14000.00} on the XXXX/XXXX/XXXX stmt after that pymt of {$3300.00} is included, not {$12000.00} as shown.
12 ) the total amt paid ytd on the XXXX/XXXX/XXXX stmt, being corrected to {$14000.00} should be {$17000.00} on the XXXX/XXXX/XXXX stmt after that pymt of {$3300.00} is included. not {$15000.00} as shown.
13 ) the total amt paid on the XXXX/XXXX/XXXX stmt is {$12000.00}. not {$11000.00} as shown.
14 ) the total amt paid to Escrow on the XXXX/XXXX/XXXX stmt is {$1000.00}. not {$1000.00} as shown.
15 ) the total amount paid to Principal ytd on the XXXX/XXXX/XXXX stmt shows {$1600.00}, and for Interest shows {$10000.00}, Escrow {$2700.00}, and the corrected total paid ytd is {$17000.00}. Adding the amts paid on the XXXX/XXXX/XXXX stmt for Principal ( {$2300.00} ), Interest ( {$7700.00} ), Escrow ( {$1000.00} ), and Total ytd ( {$12000.00} ) should bring the figures in the paid ytd column for Principal to be {$3900.00} ( not {$2700.00} ), Interest {$18000.00} ( not {$10000.00} ), Escrow {$3800.00} ( not {$2300.00} ), and Total ytd {$27000.00} ( not {$15000.00} ).
16 ) the amt paid on the XXXX/XXXX/XXXX stmt in line XXXX for pymt Ocwen rcvd on XXXX/XXXX/XXXX totals {$2300.00}. Why does Ocwen remove {$4300.00} from Un-applied Funds?
17 ) The pymt I made for {$3300.00} that Ocwen rcvd on XXXX/XXXX/XXXX, and {$1000.00} from XXXX/XXXX/XXXX, and {$5.00} from XXXX/XXXX/XXXX, and {$3300.00} from XXXX/XXXX/XXXX, and {$3300.00} from XXXX/XXXX/XXXX were all canceled, as well as create and cancel a fake pymt on XXXX/XXXX/XXXX for {$3300.00} and two fake pymts on XXXX/XXXX/XXXX for {$2300.00} and {$1000.00} and re-post all XXXX transactions on XXXX/XXXX/XXXX. Why?
18 ) Why does Ocwen change the pymt made on XXXX/XXXX/XXXX for {$3300.00} with {$340.00} allocated to Escrow to {$3300.00} and {$0.00} with {$340.00} and {$0.00} to Escrow on XXXX/XXXX/XXXX?
19 ) If at the time of the XXXX/XXXX/XXXX stmt, Ocwen truly believes I am two pymts behind, why does Ocwen allocate {$1000.00} as a pymt to Principal on XXXX/XXXX/XXXX?
20 ) the total paid ytd on the XXXX/XXXX/XXXX stmt for Principal should be {$4400.00} ( not {$3100.00} ), Interest {$21000.00} ( not {$12000.00} ), Escrow {$4100.00} ( not {$2600.00} ), and total {$33000.00} ( not {$18000.00} ) 21 ) the Escrow balance on the XXXX/XXXX/XXXX stmt shows {$1400.00}. why does the XXXX/XXXX/XXXX stmt show {$1000.00} when there were three pymts made to Escrow during the period between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX totaling {$1000.00}? The Escrow balance should be {$2500.00}.
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| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My mortgage company Ocwen sold or restructured to become Ocwen/PHH is reporting my final payment for XX/XX/XXXX as 30 days past due. My account was paid on time for the last 10 years. As per RESPA and FCRA, during a transition period/transfer no negative reporting should be reported to the credit bureaus. The transfer from Ocwen to PHH occurred XX/XX/XXXX. I have a closed account with ocwen that is reporting past due and an open account with PHH that is reporting paid as agreed. Due to the error by Ocwen not notifying me of the transfer and providing me the ability to pay XX/XX/XXXX when I called and advising me that I had to wait until the transfer was complete to make a payment, I am requesting Ocwen/PHH to correct my Ocwen account to closed, paid as agreed. The over 30 was caused by Ocwen inability have timely and effective communication with there borrowers which has caused HARM to me and my husband. In XX/XX/XXXX, I was denied credit and employment due to inaccurate reporting by Ocwen/PHH. I made several attempts to advise Ocwen of there error and communicated with a non- USA representative XXXX XXXX , who did not understand Credit Reporting or FCRA, I escalated XXXX and XXXX, USA team members and did not receive a response, I have all emails to evidence my attempt to advise Ocwen of there violation of FCRA RESPA and FCRA.
Violation 1 - ( b ) Notice By Transferor of Loan Servicing At Time of Transfer. Transfer shall be made to the borrower not less than 15 days before the effective date of transfer of the servicing of the mortgage loan.
Ocwen/PHH did not provide notice to us about the transfer. We found out that our account was being transferred on XX/XX/XXXX when we attempted to make a payment. At that time, no channel to make the payment was available. We were advised that the was a system problem with the transfer and our payment could not be accepted. Then on XX/XX/XXXX. Ocwen reported our account as transferred 30 days late.
Violation 2 - 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts ( d ) Treatment of loan payments during transfer period During the 60-day period beginning on the effective date of transfer of the servicing of any federally related mortgage loan, a late fee may not be imposed on the borrower with respect to any payment on such loan and no such payment may be treated as late for any other purposes, if the payment is received by the transferor servicer ( rather than the transferee servicerwho should properly receive payment ) before the due date applicable to such payment.
Based on information that I have gathered, the effective day of the transfer was XX/XX/XXXX and the 30 days past due was reported on the XX/XX/XXXX.
Violation 3 - 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts ( XXXX ) Protection of credit rating During the 60-day period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overduepayment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ).
I was notified of the negative/inaccurate reporting as of XX/XX/XXXX. I promptly notified Ocwen/PHH of the error and asked for correction with a Qualified Written Request/Notice of Error. I received correspondence that the reporting has been suppressed. Attached are screen shots of my credit report where it shows that as of XX/XX/XXXX, Ocwen/PHH is reporting on my account Account XXXX. If Ocwen/PHH perform a soft inquiry, it can be identified that the reporting has never been suppressed and that my account is reporting closed 30 days past due with a XXXX of XX/XX/XXXX. This account status that was reported is a final status and will negatively report for the next 7 years on my credit inaccurately if not corrected. I have received correspondence from Ocwen/PHH payments prior to XX/XX/XXXX was not reported over 30 days, only XXXX payment reported 30.
Ocwen/PHH lreporting errors is impacting my credit and jeopardizing my job. I have been declined a car loan due to the reporting ( Attached ) I have made several attempts to correct this issue
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| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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It is very hard to understand why after CFPB sue this horrible institution they continue to lie to people defraud their property and play innocent by lying to CFPB. In my situation they as a Plaintiff encourage vandalize abuses fraud, theft and destruction of the property and even allow criminals to rent my property on XX/XX/XXXX so criminals can loot even more my property. Now they try to tell me to take my staff after {$76000.00} stolen property and {$260000.00} they must pay me before entering inside my house. Is my property and will remain my property since I do not have any mortgage on it and my name is not on the Mortgage Note. How many Crime needs Ocwen to do before they lose their license?? It is the responsibility of CFPB to bring the criminal activity of this company to justice and revoke their license to operate. They must pay all stolen and damage property. It is hard to believe that a person with o name on a Mortgage Note can lose their property due to lies and abuses as Ocwen did to me. We are going to be in Court in case my property is not return for the next 50 years I am sure of it.
First My name is XXXX XXXX and I am a victim of fraud from Ocwen a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Ocwen is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. They have no knowledge of banking and can never make the difference between a fraud and a real mortgage I am a banker and the knowledge of this cover-up company is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply to CFPB that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? XXXX is a lying company and they lie that they reply I would like from them to see this ; 1.Ocwen must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in XX/XX/XXXX that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Ocwen to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Ocwen is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question XXXX must reply not lie that they responded I want the CFPB to publish this description on consumer finance.gov so that others can learn from my experience. Edit this section What would be a fair resolution to this issue? Ocwen must pay my family {$260000.00} before we meet in Court and give back my property for which I do not have any Mortgage name on any Mortgage Note. This is a big fraud and Ocwen If their lies continue I will file a criminal charges against the family of those Ocwen cover-up artists and a {$10.00} mill legal case against Ocwen CFPB must close this pirate mortgage company that can not understand that a mortgage not without a signature of one owner is a fraud.
I want the CFPB to publish this description on consumer finance.gov so that others can learn from my experience.
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| 08/15/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Foreclosure Due to Denial Loan Modification Requests Trustee : : XXXX XXXX, XXXX Trustee for XXXX XXXX XXXX XXXX Loan # : : XXXX Current Securitized Mortgage Servicer : : XXXX XXXX XXXX - Loan # XXXX Our current mortgage servicer is ( XXXX ) XXXX XXXX XXXX, as of XX/XX/XXXX as a result of a transfer by our former servicer, Ocwen Loan Servicing. ( Please note : We have had 6 mortgage servicers dating back to XX/XX/XXXX ) on our Non-Agency Securitized Mortgage since originated in XX/XX/XXXX with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers in loan modification denials signed by XXXX XXXX, XXXX Trustee indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed documents with the SEC in XXXX ). XXXX indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with XXXX our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 56 dating back to XX/XX/XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner on our behalf for an exception or waiver permitting a 1 x loan modification.
We have also made over 47 attempts to XXXX XXXX, XXXX directly for assistance with this matter as they are referred to as the Trustee & Master Servicer of our mortgage which we now understand was a faulty securitization scheme in XX/XX/XXXX.They have indicated that they do not have contact information on the actual investors/loan owner, yet XXXX XXXX , XXXX as trustee and " Master Servicer '' per the XX/XX/XXXX Pooling & Servicing Agreement ( attached (. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests.
Additionally, there have been a number of Falsified Mortgage assignments on our mortgage by XXXX XXXX, XXXX. Additionally as stated above, please provide response to XXXX outreach attempts to the unidentified investors on ourbehalf requesting a waiver permitting XXXX to modify our loan. We have requested on multiple upon muiltiple occassions for confirmation with supporting documentation including dates of outreach as well as a detailed outcome containing investor response, and to also include outcome of follow up by XXXX to the Trustee and Master Servicer XXXX XXXX, XXXX in response to our requests for a waiver permitting XXXX to modify our mortgage.Also as requested on multiple occassions, please provide investor contact information as well as XXXX XXXX, XXXX Trustee & Master Servicer contact information ( including names of individuals at XXXX XXXX ) who responded to XXXX request on our behalf for a waiver to modify our loan, including the dates on which XXXX made these requests. Addfitionally please provide us with a copy of the supporting PSA Language that indicagtes that the servicer is not allowed to modify our mortgage including any language referring to a Waterfall Modification Approach that the servicer is at liberty to use to modify our mortgage. I understand that the PSA language form XX/XX/XXXX referrs to XXXX XXXX XXXX as the servicer. I would expect to see a present day PSA that references XXXX as the present day servicer. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
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| 08/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Effective XX/XX/XXXX my mortgage was transferred from Ocwen Mortgage to PHH Mortgage Services.
I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I was never late with any mortgage payments during or before the Chapter XXXX Bankruptcy period. However, soon after I came out of Bankruptcy, I received a phone call from Ocwen saying that my account was delinquent due to a missed mortgage payment during the bankruptcy period. I never received any written correspondence regarding this issue. Unfortunately, my bank records for the year and month in question had been lost requiring me to request the records from my bank at that time. On XX/XX/XXXX I received a letter stating that my XX/XX/XXXXpayment had not been received. Ocwen did receive my payment for XX/XX/XXXX but applied it to the missed payment. I called them and explained that I had not received my lost statements and needed some additional time.
I did finally get the information I requested from my bank at the time and determined that I had missed a payment. I sent the missed payment in XX/XX/XXXX. I received a letter from Ocwen dated XX/XX/XXXX ( enclosed ) explaining why I was never notified of my missed payment from years ago. Also, I wanted an explanation as to why me credit report was showing me 30 days late for my payments of XX/XX/XXXXand XX/XX/XXXX. ( see attached Ocwen showing payments received on time ) I had missed one payment years ago and payed as expeditiously as possible upon notification and explanation. My credit score dropped over 60 points.
- My first payment to PHH Mortgage was due on XX/XX/XXXX for {$2400.00} from which I was told I could deduct a suspense balance on my account for {$1300.00} ( see attached Ocwen payment document showing suspense balance amount ). I made the payment and called PHH Mortgage after they received the payment and explained the deduction. I was told that Ocwen had applied the suspense balance to my mortgage principal. I asked if the transaction could be changed and the suspense balance used to fulfill my XX/XX/XXXX mortgage obligation. The agent agreed to do so and said it would On XX/XX/XXXX I received a letter from PHH stating that I was behind on my payments, XX/XX/XXXX payment. I called and was told that the agent never requested that the suspense payment to be applied to my XX/XX/XXXXpayment. Since my payment was for less than the required amount, my XX/XX/XXXX payment did not meet the contractual amount so it would not be credited.
My XX/XX/XXXX payment was credited to XX/XX/XXXX and I received another correspondence stating my account was passed do. I called again and spoke to another agent who assured me that my original request to apply my suspense balance of {$1300.00} would be completed. I spoke to my Case Manager, XXXX XXXX and after completing a review of all that transpired he said that he would make the request again and promised me it would be carried out. I also inquired as to the status of information I had requested on XX/XX/XXXX requesting the following : ( The documents I attached contain the figures detailed below ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To : PHH Mortgage Services Re : Loan # XXXX disputing principal balance of {$330000.00} as of XX/XX/XXXX Facts : 1. Principal balance as of XX/XX/XXXX {$330000.00} 2. Letter dated XX/XX/XXXX Modification of Promissory Note A. Borrower made a prepayment of principal in the amount of {$5000.00} ( Recast see letter from Ocwen ) B. Unpaid principal balance of {$330000.00} C. Unpaid principal as of XX/XX/XXXX ( {$330000.00} - {$5000.00} ) = {$330000.00} difference of {$3000.00} see B 3. XX/XX/XXXX executed loan modification, new principal {$330000.00} I am requesting a statement showing all transactions and how the funds were applied to the loan principal balance from XX/XX/XXXX to XX/XX/XXXX.
Anticipating a prompt response to my request.
Thank you, XXXX XXXX I scheduled a call with Mr. XXXX for XX/XX/XXXX, Mr. XXXX never called, nor, have I yet to receive the information I requested in my registered letter which PHH Mortgage received on XX/XX/XXXX.
I received another letter notifying dated XX/XX/XXXX that I still owed {$1200.00}. I am at a loss as to how to settle this matter and, also, get the information I requested and entitled to.
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| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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-We had a reduction of income due to a death in the family so we couldnt qualify for a loan modification.
We are now able to make a modified payment because our income has changed and improved.
PHH began a judicial foreclosure and obtained a judgment against us but they kept sending us letters indicating we could apply for a loan modification and avoid the foreclosure.
Once we got to a place where we had sufficient income to be able to qualify for a loan modification, we prepared a loan modification packet in XX/XX/XXXX and sent it in.
We were in constant communication with our contacts at PHH, when we could reach them. Often we were just sent to whoever PHH chose to have us talk to and we got a lot of runaround, but we kept following up.
By the time the sale was scheduled to occur in late XXXX, we were being told we had been denied a loan modification because we didnt provide Profit & Loss Statements to support our self-employment income.
As soon as we heard about that from someone on a phone call with PHH, we got to work in preparing XXXX & XXXX and got them sent over to PHH as soon as we were able.
We were told we would receive a Denial Letter from PHH about the denial and we eventually received it, but it was dated XX/XX/XXXX and we didnt receive it until XX/XX/XXXX.
After we sent in the requested documents, we kept following up and getting the runaround from PHH about whether or not they were going to review the new documents. We were told by some PHH employees that they were reviewing the modification but then we couldnt get straight answers from others.
We reached out to our current lawyer, XXXX XXXX, and she got in touch with the attorneys for PHH to demand that the sale date be postponed while PHH was reviewing the newly submitted documents. That got the sale date continued for one week but during her communications with the lawyers, we learned that we had been denied again because PHH was just refusing to review the documents.
We kept working with PHH and making contact with our contacts and submitting the new documents they were asking for. At one point, we were told that we had to submit a completely new packet and re-sign everything. So, we did so within XXXX hours of the request from PHH.
XXXX XXXX was able to argue to the attorneys for PHH in the foreclosure that we were entitled to more time to get our loan modification application properly reviewed. The sale date has now been continued to XX/XX/XXXX.
Since that extension, we have continued to follow up and we keep getting conflicting information from PHH. Some of the people we speak with tell us that our application is being reviewed, but then we are told by others that PHH can not review it because it is too close to the sale date. We have also been told that PHH employees can not continue the sale date. We know that that isnt true. Of course they can do so. It is their loan and they can tell their lawyers whatever they want.
We have spoken with the following PHH employees in our efforts to get answers : XXXX XXXX, a PHH supervisor and current id # osc Relationship manager XXXX XXXX # bia XXXX # XXXX We have had scheduled meetings with numerous others PHH has requested new documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the demand for an entirely new packet was made on XX/XX/XXXX. IF PHH WASNT GOING TO REVIEW OUR DOCUMENTS, WHY WAS IT ASKING US TO SEND THEM IN?
-We were also told that the sale date would be moved by some of the PHH employees while the documents where under review!
-We have advised that we are appealing their denial and requesting that they move the date again to review the requested documents by the escalations team.
After we sent more documents on XX/XX/XXXX, we were told on the phone by XXXX # min on XX/XX/XXXX that they received the documents and they were under review and that again we needed to sign additional documents to be signed and dated.
We were also advised that we needed to request an extension of the foreclosure date from our relationship manager XXXX, but she has always been unavailable.
We were finally contacted by XXXX and she claims she was unable/refused to move the sale date because her of lack of authority and scheduled a call back from XXXX XXXX a supervisoXXXX We are awaiting a call back from XXXX XXXX as of XX/XX/XXXX.
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| 02/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX PHH Mortgage became my new servicer from Ocwen Loan Servicing LLC. PHH sent me a list of fees which included inspection fee cost that they deleted from my escrow account during the transfer. I applied to the Hardest Hit Fund at that time who preapproved me pending PHH divulging information about the lienholder of my loan. PHH did not comply and on XX/XX/XXXX my application was withdrawn due to incomplete application. On Or around XX/XX/XXXX PHH Mortgage hired lawyers XXXX and XXXX to represent them in foreclosure proceedings. I was represented by NC legal aid for assistance at the time. The hearing was set for XX/XX/XXXX. I continued to work with legal aid who tried to help me modify or sell the property. PHH denied me modification at the time around XX/XX/XXXX. They already refused to take payments. On a XX/XX/XXXX a XXXX knocked on my door offering cash for my property he stated he worked with XXXX and a XXXX XXXX. I told him that I could not get help due to information regarding my lien. He left and came back the next day with a satisfaction of lien with Ocwen and PHH Mortgage. This was the very document requested last year but was filed after my application was withdrawn from XXXX. On XX/XX/XXXX I requested a payoff quote to refinance my property. I was approved by XXXX XXXX XXXX XXXX. My file was complete pending a payoff quote. I requested a quote from PHH who told me it was faxed to XXXX XXXX XXXX XXXX on XX/XX/XXXX by their lawyers. Instead PHH Mortgage submitted my payment history to the Ioan officer at the credit union. I called them back and they denied sending this report of which my credit union gave me the copies. I then again requested a payoff quote and PHH told me to call their lawyers XXXX and XXXX. I was still working with legal aid but XXXX and XXXX refused to speak with them so on a three way call we requested the payoff quote. I was emailed a payoff quote on the XXXX of XXXX with the date of the letter being XX/XX/XXXX with a good thru date of XX/XX/XXXX. Had the letter been delivered as dated, I would have had time to get the loan processed and closed by XX/XX/XXXX. The loan officer at XXXX XXXX XXXX XXXX asked me to have them send a new payoff quote with at least 10 to 15 business days from the delivery date to process. I called both PHH and their lawyers to change the good thru date to a XX/XX/XXXX and was told that it could not be done until the XX/XX/XXXX good thru date expired. I told them they were keeping me from refinancing and was told by XXXX and XXXX that I was approved for loss mitigation by PHH Mortgage and the hearing date was cancelled. I told XXXX XXXX from XXXX and XXXX I asked for a new quote she said I will have to wait for PHH Mortgage to resubmit the request and an additional 7 business days for XXXX and XXXX to process and she could not tell me at this time when. This was told to me on XX/XX/XXXX. At this point I have been calling everyday several times a day. I then called PHH back furious. I was told by the escalating manager " XXXX " that the second quote was completed on the XXXX and submitted to XXXX and XXXX. When I called XXXX and XXXX they stated they did not get it they emailed me the same quote dated for the XXXX good thru date still XX/XX/XXXX on XX/XX/XXXX. I called PHH again spoke to another escalation manager named XXXX. I told him I wanted my quote so I can pay them completely off. XXXX then told me after several hours of me trying to get my quote that he has good news. I was accepted for a loan modification on a trial basis. Did I wish to hear about it? I said no, I want my payoff quote. I no longer wish to pay a negative amortization loan. XXXX stated there is a process that takes 3 to 5 business days to get a quote. He stated he will call me back Friday. He also stated that he did not understand why I could not use the quote dated the XXXX. Please note, I am not only being charged NSF, inspection, legal fees by XXXX and XXXX but a per diem charge. What debt collector not cooperate to collect a debt? My loan offer will expire soon and my fear is that I may be homeless because of the added fees to my mortgage driving my refinance amount up daily. My original loan was XXXX now it is over XXXX and growing. Please help me get the payoff quote to free me from this nightmare.
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| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ocwen Complaint * CFPB Complaint XXXX * On XX/XX/XXXXMy Mortgage was modified with XXXX XXXX XXXX ( XXXX ), We made three pre-modifcation payments of {$2800.00} each ( Escrow of {$740.00} ). We continued to make payments per the Modification agreement and were not notified by XXXX of any change to escrow. In XXXX of XX/XX/XXXXthe Mortgage was sold off and a new service Ocwen took over. On or about XXXX of XXXX we started receiving calls from Ocwen that our mortgage was in arrears some calls stated we owed {$800.00} more some {$1600.00}. Each call was different but the calls seemed to note an issue with escrow, further the monthly statements confused things even more because they contradicted the calls showing that we were paying the original agreed amount. We spoke to XXXX id XXXX she said to pay {$1600.00} and everything would be ok, we did. Then we received another call from XXXX ( id XXXX ) stating we need to now pay another {$800.00}. We asked why we needed to pay these amounts as the Town reported we were current. * After several more confusing conversations we requested orally that we be able to pay our own escrow because we had spoken with the Town and there was no shortage. We spoke to XXXX in XX/XX/XXXX and she stated that that would be ok but we need to send in a written letter which we did. At this point we started to get changes in our statements for amounts to pay. During XX/XX/XXXX and after discussing it with Ocwen representatives, we started paying escrow directly to the Town and later to the home insurance company XXXX. Sometime during mid XX/XX/XXXX we were told that we could not pay escrow directly and that our mortgage was in arrears over $ 12k. We were under bankruptcy protection for another issue ( but continued to make payments ) and continued to receive statements noting arrears. * We had continuing calls with Ocwen stating that we had made all principal and interest payments to them and RE payments to the Town and starting XX/XX/XXXXpayments to XXXX for insurance. We can show bank statements with all payments made but they continued to say we were in arrears to further confuse the issue, Ocwen sent payments to escrow recipients ( Town of XXXX for tax and XXXX for insurance ) which then were returned back to Ocwen. Frustrated, we hired the XXXX XXXX XXXX XXXX XXXX XXXX to assist. We sent in bank records statements from the Town and correspondence from XXXX all noting our continued payments. Ocwen attorney XXXX XXXX from XXXX XXXX XXXX ( XXXX ) still refuses to settle the issue even though the documents they send to use conflict, a summary from Attorney XXXX noted the arrears as {$21000.00} but the statement as of XX/XX/XXXXnotes {$27000.00} and shows a favorable escrow balance of {$7900.00}. * * It appears to me that the accounting system is not fully integrated accruing escrow based on estimates and not accounting for actual payments either to them or the Town/Ins. company for a total picture of what is due. In addition as of XXXX their website shows us as having paid in extra escrow ( {$7300.00} ) and only owing a small payment of {$540.00}. The website also reflects an incorrect Maturity Date of XX/XX/XXXX when the modification dated XX/XX/XXXX from XXXX XXXX XXXX states a maturity date of XX/XX/XXXX. Additionally, Ocwen has sent documents to our address with other mortgagees information. Further, on XXXX Ocwen returned our payment of {$3000.00}. I called customer service and spoke to XXXX Id : XXXX, while she seemed helpful she stated that Ocwen would only accept full arrears payment of approximately {$28000.00}. I explained to her that we have shown the Ocwen attorney - XXXX with bank statements and Town escrow history and insurance history that we do not owe nor have we ever owed that amount. Finally they have been negatively reporting on our credit which is causing denials of credit for both me and my wife. We are looking for any and all help with resolving this issue. Files are to large to upload but when requested we can send Ocwen 's XX/XX/XXXX claim for arrears and our offsets/payment that show now unfavorable balance is due. Also the original modification showing the payments and escrow that was to be paid per the original terms but then changed by Ocwen. All documents have been sent to Ocwen attorney XXXX.
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| 08/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To : cfpb Consumer Financial Protection Bureau ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, TN XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX REF : File a complaint against PHH Mortgage Services Ocwen Loan Servicing LLC XXXX
Product : Mortgage ( Ocwen Loan Services ) & ( PHH Mortgage Services ) Loan number XXXX Property Address : XXXX XXXX XXXX XXXX XXXX
XXXX, TN XXXX Issue : 1. Not getting full payment credit for reinstating the loan in full after court decision XX/XX/XXXX.
The loan was reinstated paid in full brought current XX/XX/XXXX with two payments : 1. reinstatement amount. 2. A second payment paid in full for the other outstanding amount that was due on the loan.
I will send copy of the wire transfers that will show proof of both payments to the mortgage company.
2. A Settlement Agreement was reached between Ocwen Loan Services LLC and Plaintiff XXXX XXXX on XX/XX/XXXX effective XX/XX/XXXX at which point the mortgage loan should have been reported as current to all credit bureaus. Ocwen Loan Services LLC from year XXXX did not bring the account current and Ocwen Loan Services LLC breached the terms of the Mediation Settlement Agreement. The United States XXXX XXXX for XXXX XXXX XXXX Tennessee XXXX XXXX handled this first case.
Note : See PDF Document Labeled XXXX TN XXXX XXXX XXXX As a result of breaching the Settlement Agreement another law suit was filed against Ocwen Loan Service LLC on XX/XX/XXXX in the United States XXXX XXXX for the XXXX XXXX XXXX Tennessee XXXX XXXX case number XXXX Plaintiff XXXX XXXX.
You will see from the case file that on XX/XX/XXXX section ( Alternative Dispute Resolution ) section A and B Mediator must file Mediation Certification Form. Note : See PDF Document Labeled XXXX TN XXXX XXXX XXXX You will note that on XX/XX/XXXX the Judge set a Pretrial Conference date XX/XX/XXXX and then a Jury Trial Date of XX/XX/XXXX at XXXX am.
Because of Covid19 the trial was postponed.
During this time PHH Mortgage Services reported two late payments on the plaintiff mortgage account to the Credit Bureaus XXXX, XXXX and XXXX while still in this litigation. Case number XXXX proves that litigation was going on and enforced by the XXXX Courts. Note : See PDF Document labeled XXXX TN XXXX XXXX Court A copy of XXXX XXXX credit profile history will revile this action by PHH Mortgage Services.
Fact XXXX XXXX credit report will also revile that Ocwen Loan Services LLC never reported the mortgage loan XXXX as current to any the credit bureau XXXX XXXX, XXXX and XXXX except as late. Instead XXXX XXXX XXXX XXXX falsely reported late payments on the mortgage account XXXX to the credit bureaus for three years causing serious credit damage to XXXX XXXX credit history.
XX/XX/XXXX the judge ruled that the Mediation Settlement Agreement will remain enforced for the plaintiff XXXX XXXX and that I had thirty days to bring the Account current.
The wire transfer record will serve as proof that PHH Mortgage Services received full payment to reinstate the XXXX on XX/XX/XXXX in the amount of {$39000.00} and a second wire transfer in the amount of {$3600.00} to XXXX Mortgage on the same date to cover the other outstanding charge that was listed on the reinstatement letter.
Note : See PHH Mortgage Services Reinstatement Doc2 or PHH Mortgage Service Reinstatement XX/XX/XXXX. It The amount paid was enough to cover all reinstatement fees and outstanding balances due plus XXXX XXXX payment included to bring the Mortgage loan ( XXXX ) current in full.
Note : See PDF name Wire Transfer to PHH Mortgage Services.
This also will serve as proof that PHH Mortgage Services should have never reported any latency on this mortgage account loan number XXXX during this time.
A copy of XXXX XXXX credit report will be attached to this complaint for you to review. The credit report it will prove everything thats stated in this complaint from year XXXX, XXXX, XXXX, XXXX, XXXX and XXXX present.
3. Both mortgage companies reported false late payment on the mortgage account even after the loan was reinstated to full status and several times while in US Court litigation to the three-credit bureau XXXX This caused further serious damage to XXXX XXXX Credit Profile preventing him from getting refinanced by other potential Mortgage Lenders.
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| 04/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been trying to get my account reviewed for a modification since XXXX of XXXX. I have sent in complete packets including a completed Borrowers Assistance form with supporting documentation. For 5 months now, I can not speak with my account manager because each time I call in, I speak to a foreign representative in either XXXX or the XXXX who refuses to let me speak with a manager or someone in the USA. I have scheduled numerous appointments for a " Relationship Manager '' to call me back, and not once have I had anyone in charge of my mortgage give me a call. This is ridiculous. I am trying to modify my mortgage, to keep my home, and no one is reviewing my account. I am tired of sending in bank statement and pay stubs every single month just because this company refuses to review my account in a timely manner and refuses to let me speak to a relationship manager. Below are detailed accounts of my interactions with PHH in the last month : XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Called PHH, to confirm bank statements were received, foreign rep refused to transfer me to a representative in the USA. After 20 minutes of asking an overseas representative to speak with a relationship manager for MY HOME mortgage, I was finally transferred to a representative in the USA. I asked this representative if I could speak to my account manager XXXX XXXX XXXX and she said no. In almost 6 months now, I have not been able to speak with this person, nor has she reviewed my 6 months worth of documents. The rep said she will schedule a time next month for the relationship manager to give me a call.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, bank statements and pay stubs were uploaded today. bank statements are very faint, small and hard to read. Rep asked that we resend the bank statements with the deposits only circled. Will email them over today.
XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Emailed highlighted bank deposits & pay stubs for XXXX and XXXX to PHH.
XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Called PHH to confirm if the account was in review. Account is now represented by an attorney. Still need one pay stub of new cycle for XXXXXXXX XXXX. Want clarification for XXXX dash income, need to circle and write XXXX next to deposits on the bank statements.
XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Called PHH to confirm bank statements were received and in review, rep said that they were received and in review. Advised to call back in a few days to see if there are any missing docs.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Emailed and faxed XXXX XXXX XXXX bank statements to PHH. Email : XXXX Fax : XXXX XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Called PHH, asked to speak with a rep in the USA. Told rep that this is the second time we were promised a call from the account manager and have not received it. Rep said that she is an account manager so she would be able to help. Told her that we have submitted documentation since XXXX of last year and month after month the documents have fallen out of review. Said everything is good except they need 1 pay stub or 2 months of bank statements to show consistent income from XXXX XXXX. Said other than that, nothing else is needed.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH, spoke with someone in the USA, told them that I need ti speak with the account manager TODAY as I was supposed to receive a call from them yesterday and I didn't. Rep said that the next available time would be XX/XX/XXXX, I told her absolutely not, I need to speak with someone in that department today. She said the best she can do is schedule a call with another person on that team for tomorrow at XXXXXXXX XXXX
XX/XX/XXXX, XXXXXXXX XXXX NOTE [ n ] - Called PHH, they are requesting additional docs. Requesting one recent pay stub, 2 most recent bank statements showing XXXX income. Told the rep we have already sent all of this in but it is all going to continue to fall out since they never review the docs in a timely manner. Asked rep to transfer me to a supervisor or point of contact, she would not. There is a call scheduled for tomorrow at XXXX with the POC.
I would like to request a new " Relationship Manager '' to be in charge of my account and review me for a modification since XXXX XXXXXXXX XXXX has not done so in almost 6 months.
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| 08/15/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Foreclosure Due to Denial Loan Modification Requests Trustee : : XXXX XXXX, XXXX Trustee for XXXX XXXX XXXX Trust Loan # : : XXXX Current Securitized Mortgage Servicer : : XXXX XXXX XXXX - Loan # XXXX Our current mortgage servicer is ( XXXX ) XXXX XXXX XXXX, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with Option One Mortgage Corporation. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers in loan modification denials signed by XXXX XXXX, XXXX Trustee indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through XXXX have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed documents with the SEC in XXXX ). XXXX indicated in XX/XX/XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with XXXX our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 56 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner on our behalf for an exception or waiver permitting a 1 x loan modification.
We have also made over 47 attempts to XXXX XXXX, XXXX directly for assistance with this matter as they are referred to as the Trustee & Master Servicer of our mortgage which we now understand was a faulty securitization scheme in XXXX.They have indicated that they do not have contact information on the actual investors/loan owner, yet XXXX XXXX , XXXX as trustee and " Master Servicer '' per the XX/XX/XXXX Pooling & Servicing Agreement ( attached (. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests.
Additionally, there have been a number of Falsified Mortgage assignments on our mortgage by XXXX XXXX, XXXX. Additionally as stated above, please provide response to XXXX outreach attempts to the unidentified investors on ourbehalf requesting a waiver permitting XXXX to modify our loan. We have requested on multiple upon muiltiple occassions for confirmation with supporting documentation including dates of outreach as well as a detailed outcome containing investor response, and to also include outcome of follow up by XXXX to the Trustee and Master Servicer XXXX XXXX, NA in response to our requests for a waiver permitting XXXX to modify our mortgage.Also as requested on multiple occassions, please provide investor contact information as well as XXXX XXXX, NA Trustee & Master Servicer contact information ( including names of individuals at XXXX XXXX ) who responded to XXXX request on our behalf for a waiver to modify our loan, including the dates on which XXXX made these requests. Addfitionally please provide us with a copy of the supporting PSA Language that indicagtes that the servicer is not allowed to modify our mortgage including any language referring to a Waterfall Modification Approach that the servicer is at liberty to use to modify our mortgage. I understand that the PSA language form XXXX referrs to Option One Moretgage as the servicer. I would expect to see a present day PSA that references SPS as the present day servicer. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
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| 07/01/2021 |
Yes |
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- Trouble during payment process
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Web |
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1.PHH foreclosed on my home without following FHA guidelines and State of New Jersey guidelines in order to Foreclose. I am requesting that each question below be answered separately and numbered separately 1. In my file it states that I completed a loan modification in XXXX, Please provide that signed agreement and the terms of that loan modification. I did not believe I completed a loan modification in XXXX.
2. Please provide proof that PHH served me with the Foreclosure complaint.
3. PHH had to prove that all deficiency with title where corrected and they were not. They also only had six years to collect the debt. Under UCC title 3. Please provide the original deficiency date of the loan and all action date to initiate and finalize the foreclosure. If the initial date was greater than 6 years please provide why PHH was able to violate the six year statue to collect the debt.
4. Under the PHH consent order it was required that PHH have an in person interview, which I did not have before they could proceed with foreclosing. How were they able to proceed with the foreclosure without this interview.
5. Under the National Mortgage Settlement Act -- it was required that PHH notify me of title issues and how they were going to correct the title issues. I never received this document and PHH was not allowed to begin the foreclosure process until they served me this letter. Please provide proof that I was served with this letter.
6. PHH created an assignment in XXXX which stated they assigned my loan to XXXX XXXX in XXXX. Please have PHH explain how could this happen when the Trust closed in XXXX, PLease provide payment that XXXX XXXX purchased the loan in XXXX and XXXX XXXX assigning PHH the servicing rights to the loan in XXXX. Please provide proof that a " Director '' of the Trust authorized my loan to be assigned to the Trust.
7. Before they could foreclose FHA required that my loan by registered by PHH into the FHA Single Family Default Monitoring System ( SFDMS ), I am requesting proof that this was completed What are the requirements for a Mortgagee initiating foreclosure proceedings?
When foreclosure is necessary, the Mortgagee must give timely notice to HUD via the Single Family Default Monitoring System ( SFDMS ) and exercise reasonable diligence in processing and completing foreclosure proceedings to acquire good marketable title and possession of the Property. HUD expects Mortgagees to comply with all federal, state and local laws when prosecuting a foreclosure and pursuing a possessory action.
The Mortgagee must perform the first legal action to initiate foreclosure for each state as provided in Appendix 5.0 of Single Family Housing Policy Handbook 4000.1 First Legal Actions to Initiate Foreclosure and Reasonable Diligence Time Frames.
For Borrowers impacted by COVID-19, deadlines for Mortgagees for the first legal action and Reasonable Diligence Time Frames are extended to 180 days from the date of expiration of the foreclosure and eviction moratorium for FHA-insured Single Family mortgages, except for FHA-insured mortgages secured by vacant or abandoned properties.
The Mortgagee must give notice to HUD within 30 Days of initiating foreclosure by reporting the foreclosure status in the monthly SFDMS report. The Mortgagee must report the foreclosure status for the current cycle or following cycle in which the first required public legal action is taken to initiate foreclosure.
As part of the foreclosure proceedings, the Mortgagee must notify and serve all Interested Parties of the pending foreclosure, pursuant to state law. Unless otherwise specified by state law, Interested Parties include all condominium management companies and Homeowners ' Associations ( HOAs ) that are reflected in the mortgage loan/origination documents, recorded covenants/declarations, initial foreclosure referral and/or title search review, or made known to the Mortgagee during the foreclosure proceedings.
PHH created an assignment in XXXX which stated they assigned my loan to XXXX XXXX in XXXX. Please have PHH explain how could this happen when the Trust closed in XXXX, Please provide payment that XXXX XXXX purchased the loan in XXXX and XXXX XXXX assigning PHH the servicing rights to the loan in XXXX.
Thank you
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| 12/01/2019 |
Yes |
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- Trouble during payment process
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Web |
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Everything in this complaint is well documented with letters, notes, and emails, however its the 45+ hours of phone calls PHHs Retention, Resolution, and Escalation Departments that have been most helpful in accurately piecing together all that has occurred. So far my experience when dealing PHH is that a majority of my concerns will not be properly investigated, if at all, will not be accurately noted to the file, if at all, and the resolution letter doesnt even resemble the original concern I asked to be investigated. The help desk said I cant upload audio files but if you thought it would be helpful I could copy all call to a USB drive and overnight it. COMPLAINT : I was just finishing my trial modification period when my loan was transferred from Ocwen to PHH. I was told that they were recalculating the numbers and that I would have the modification paperwork 30 days well it ended up taking over a 100. When I receive the modification package on XX/XX/19, I signed and returned as requested. It was returned weeks later due to the wording issue by the notary so I re-signed and sent it back. PROBLEM 1 : On or about XX/XX/19 I noticed that my suspense account balance went from {$8100.00} to {$6000.00}. I was told by the escalations department that it was returned to the XXXX because thats where I made it. Ive requested a reference number 9 times, 3 from the retention department, 6 from the escalation team. Ill not aware that anythings been done or a ticket being open. PROBLEM 2 : On XX/XX/19 I PHH transferred {$2300.00} from my suspense account and applied to my XX/XX/19 payment. Per the modification paperwork, my payment is only {$2100.00} Ive asked the Escalation Dept for an explanation on every callnothing! Even if there is a valid reason for payment to go up, I would imagine some kind of notice has to be provide before the bank can just take it? PROBLEM 3 : On XX/XX/19 another {$1800.00} was transferred to my escrow account and no ones able to tell me why. An escrow analyst was done the same day but it shows my payment goes down {$32.00} starting in XXXX. PROBLEM 3 : On XX/XX/19 I received a Notice of Intension to Foreclose dated XX/XX/19 that is riddled with inaccuracies. When I called on Friday to make my regular payment of {$2100.00} I was told by XXXX in Escalations that I couldnt make one because of this status. First it states Im due of a XX/XX/2019 payment when we already know PHH made from my suspense account 7 days prior to this letter. That would make the number of months past due 4. Total amount due shows 5 payments for $ XXXX. Assuming its 5 payments it should really be {$2100.00} x 5 = {$10000.00}. Finally, theres the suspense account balance of {$4100.00}, why wasnt another payment taken out. How does a bank try to take someones house with made-up numbers? PROBLEM 4 : On XX/XX/19 I received 2 notices that my monthly statement was ready. One was dated XX/XX/19 and the other XX/XX/19, both are for the 12/1/19 payment and use numbers inconsistent with the loan modification. Problem 5 : Per my XX/XX/19 conversation with XXXX XXXX in PHHs Resolution Dept, I was making a {$580.00} payment to cover the deficiency for XXXX. I took 4 payments of {$2100.00} and subtracted my suspense account balance of my suspense account and came up with a deficiency thru XXXX of {$580.00}. Is PHH holding this check or are they sending it back? PROBLEM 6 : For issues leading up to this modification ( I can detail them if you like ), Ocwens Office of The Consumer Ombudsman agreed to do a do a couple of things, and one of them being that theyre were going to waive the foreclosure fees. The other were suppressing my credit and waiving prior late fees. The late fees have been waived, credits been 80 % suppressed, but the foreclosure fees were still added to my principle balance. I first inquired about this on XX/XX/19 and probably another dozen times since, yet the only response I received on XX/XX/19 and it was just the definition of foreclosure costs and fees. Im including the following docs : Signed modification agreement, Notice of intent to foreclose, XX/XX/19 and XX/XX/19 statements, last response from PHH dated XX/XX/19, my most current request for information emailed XX/XX/19 escrow analyst dated XX/XX/19
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| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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The mortgage company is PHH Mortgage, in XX/XX/XXXX we received a letter from XXXX C/O PHH Mortgage Services informing account holders options for pmt. of property taxes in Wisconsin held in an escrow account ( our taxes were held in escrow ). We contacted XXXX XX/XX/XXXX to inquire about this letter as we were unfamiliar with XXXX, spoke with XXXX we were informed it was a name change for PHH Mortgage, and regarding the document we received do not do anything with that, they ( XXXX ) will look into it and call us back within the next week to tell us how to proceed.
Not having heard anything called XXXX again XXXX XXXX, XXXX spoke with XXXX, we were told to check the box saying we wished to have our escrow check sent to us by XX/XX/XXXX, which I did, returned the document that same day, XX/XX/XXXX.
Not having received our check to pay property taxes, we called XXXX on XXXX XXXX, XXXX to inform them of such, XXXX said they never received the form dated XXXX XXXX, XXXX, therefore XXXX would be paying our property taxes in multiple installments when due. We told them we always had checks mailed to our home and we pay our own taxes and requested they send the check to us, they indicated they would send the check to us by XXXX XXXX, XXXX so we could pay our taxes.
On XX/XX/XXXX I also faxed a copy of the form signed XXXX XXXX, XXXX -- tried 5 different times, each time faxing failed -- unable to connect, I also tried calling XXXX and XXXX, each time unable to leave a voice mail.
Not having received the escrow check, and waiting until the very last moment we paid our taxes ourselves writing a check for the full amount {$2600.00} on XXXX XXXX, XXXX. In the meantime, due to the difficulties we were experiencing we decided to refinance with another institution.
Around the end of XXXX XXXX we received a ltr from XXXX dated XX/XX/XXXX saying they received a correspondence and as soon as their research completed, they would promptly send us response. Due to our continued difficulties with XXXX we ultimately refinanced, closing on XX/XX/XXXX.
We again reached out to XXXX, on XXXX XXXX, XXXX, spoke with XXXX XXXX to inform them we paid out taxes and we would be refinancing. I was informed a request would be submitted to not have our taxes dispersed. I asked about our escrow was told {$1600.00} would be returned to us, I informed them the amount was incorrect, if {$1200.00} had not been dispersed why would we only get {$1600.00} back, finally I was told a check in the amount of {$1200.00} was indeed dispersed on XXXX XXXX, XXXX and it was made out to XXXX XXXX Treasurer and when the treasurer received the check the treasurer would have to refund us the {$1200.00}.
We contacted our treasurer, ultimately every other day, to inquire if she received the check she had not and it was illegal for her to reimburse us that legally she had to return the check to the mortgage company and they would need to send me the monies. On XX/XX/XXXX our treasurer received a check in the amount of {$1200.00} and returned it to XXXX XXXX. We expected we would receive the monies in our escrow account after the return of the {$1200.00}.
Around XX/XX/XXXX we received a ltr from XXXX thanking us for paying off our mortgage and enclosed a check for {$1600.00}, not the full amount in our escrow.
On XX/XX/XXXX I reached out to our loan office to see what we could do to get the {$1200.00} back and was advised that I call XXXX and ask that a stop payment be issued on the {$1200.00} check which was returned to XXXX XXXX. Following that advice, I called XXXX, spoke with Agent XXXX, I asked that XXXX stop payment on the check in the amount of {$1200.00} and reissue a new check to us in the amount of {$1200.00}.
As of XX/XX/XXXX, we have yet to receive the check in the amount of {$1200.00}, monies from our escrow account we paid each month along with our mortgage payment. I have attached documentation which shows XXXX paid {$1200.00} in " City Tax '', and issued 2 refunds in the amount of {$1600.00}. However, to date they have failed to refund to us the remaining {$1200.00}. Legally they have 30 days to return the monies, it has now been over 60 days. These are monies that are owed to us, it is our money, it is not for XXXX to keep!
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| 06/22/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By " monthly mortgage statement '' dated XX/XX/XXXX sent by mail from XXXX XXXX ( " XXXX '' ) c/o PHH Mortgage Services ( " PHH '' ) that is addressed to " Estate of XXXX XXXX XXXX '' with an alleged addressed at " XXXX XXXX XXXX, XXXX, NJ XXXX '', and sets forth : ( 1 ) on page 1 of 6, " Loan number : XXXX '' ; " Payment Due Date : XX/XX/XXXX ; " Amount Due : {$250000.00} '' ; and under " Important Messages '' that " You are currently due for the XXXX payment. Your last full payment was applied to the payment due XXXX. " ; and ( 2 ) on page 5 of 6 a " ** Delinquency Notice XXXX '' addressed to the " Estate of XXXX XXXX XXXX '' stating in relevant part that : " You are late on your mortgage payments. Failure to bring your loan current may result in fees and foreclosure - the loss of your home. Your loan became delinquent XX/XX/XXXX. '' A true and correct copy of the " monthly mortgage statement '' dated XX/XX/XXXX sent to me from XXXX and PHH is enclosed hereto as Exhibit " A ''.
The foregoing recitals within the " monthly mortgage statement '' from XXXX and PHH dated XX/XX/XXXX is indicative of unfair, deceptive and unconscionable debt collection practices using the mail in violation of 18 U.S.C. section 1341 in an effort to extort monies from me towards the aforementioned loan number associated with my home in New Jersey, by : ( 1 ) falsely using the name of the " Estate of XXXX XXXX XXXX '' that does not exist, has no interest in the subject property or subject account number. ; ( 2 ) demanding monies towards an already time-barred debt and mortgage debt that matured on XX/XX/XXXX by acceleration through foreclosure commenced under Docket No. : XXXX in the New Jersey Superior Court on the same day by late husband died ( XX/XX/XXXX ) and later dismissed XX/XX/XXXX. See a true and correct copy of the foreclosure complaint filed in Docket No. : XXXX on the same day my husband died, declaring acceleration of the subject account because of non-payment due on XX/XX/XXXX enclosed hereto as Exhibit " B '', and dismissal of the action as of XX/XX/XXXX enclosed as Exhibit " B-1 ''. ; ( 3 ) falsely declaring no payments were made for XXXX and the subject account became delinquent as of XX/XX/XXXX, when the complaint filed in the NJ Superior Court by Litton Loan as an affiliate of XXXX and PHH in Docket No. : XXXX on the same day my husband died ( XX/XX/XXXX ) declares under penalty of perjury that no payment were made towards the subject account since the installment due XX/XX/XXXX and the subject account became delinquent as of XX/XX/XXXX ( See Exhibit " B '' ).
( 4 ) omitting and concealing the trial modification agreement offered by Litton Loan and executed by me on XX/XX/XXXX, requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were all timely paid and cashed by Litton Loan, and the latter failed to permanently modify the transaction or apply payments to the subject account. A true and correct copy of the XXXX XXXX, XXXX trial modification and three timely made payments for {$1900.00} made to and cashed by Litton Loan for XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX totaling {$5700.00} is annexed hereto as Exhibit " C ''.
( 5 ) omitting and concealing a total of {$10000.00} in payments that were made to and cashed by Litton Loan for the installments declared due towards the subject account on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX. XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. See Exhibit " D '' for a true and correct copy of the payments made to and cashed by Litton Loan towards the subject account for the months XXXX XXXX, XXXX through XX/XX/XXXX, XXXX ; and ( 6 ) omitting and concealing a total of {$5100.00} in payments that were tendered and presented to Litton Loan for the installments declared due towards the subject account on XX/XX/XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX that were returned by Litton Loan for several varying reasons, the middle of which instructed me to refer to my already deceased husband on the payment. A true and correct copy of the {$5100.00} in payments that were made to and returned by Litton Loan for the months XX/XX/XXXX through XXXX XXXX, XXXX are enclosed hereto as Exhibit " E ''.
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| 04/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have already submitted a separate complaint with the CFPB against my current mortgage service provider, XXXX XXXX XXXX XXXX XXXX XXXX
My loan was transferred to XXXX XXXX XXXX from PHH Mortgage on XX/XX/XXXX.
I was approved for HAF via Mortgage Assistance Alabama on XX/XX/XXXX. Mortgage Assistance Alabama ( MAA ) has paid PHH Mortgage : {$4900.00} Processed on XXXX ; {$1000.00} Processed on XXXX ; {$1000.00} Processed on XXXX ; {$1000.00} Processed on XXXX.
To date, XXXX XXXX XXXX XXXX XXXX XXXX has not stated, confirmed, or corrected errors regarding receiving and/or being forwarded payments up to the total amount of {$8000.00} that was sent to PHH Mortgage from Mortgage Assistance Alabama ( MAA ) on my behalf.
PHH mortgage confirmed with me via telephone and email that they have received documents & approval for HAF payments via Mortgage Assitance Alabama.
XX/XX/XXXX I contacted PHH Mortgage twice trying to get information regarding the payments sent to PHH Mortgage made by Mortgage Assistance Alabama before the transfer of my mortgage to XXXX. First PHH MorgagXXXX agent gave me Agent ID # XXXX. PHH Morgage agent stated that no payments are showing on their end for HAF via Morgagte Assitance Alabama, I requested multiple times to escalate my issue due to Mortgage Assistance Alabama is stating they sent payments to PHH Mortgage in XX/XX/XXXX and XX/XX/XXXX. PHH Morgage phone agent tried multiple times to get a higher agent on the phone with no success, gave me the number for PHH Mortgage at XXXX. I asked the PHH Mortgage agent if my account with PHH Mortgage showed a trial modification, that XXXX stated that PHH Mortgage transferred a trial modification to them, PHH Mortgage agent stated, no because the account is closed. The PHH agent requested my phone number and asked if XXXX XXXX in the afternoon is an okay time to call back, I stated, yes. I did not receive a call back from PHH Mortgage.
I called PHH Mortgage again at XXXX given to me by the previous PHH Mortgage phone agent. PHH Mortgage Agent ID # XXXX answered- I inquired about HAF/Mortgage Assitance Alabama payments sent to PHH Mortgage in XX/XX/XXXX and XX/XX/XXXX and the PHH Mortgage agent stated that since my loan has transferred and is now closed to contact XXXX. I stated that HAF/Mortgage Assistance Alabama is stating they have paid PHH Mortgage {$6000.00} in XX/XX/XXXX and XX/XX/XXXX. PHH agent put me on hold and an escalation agent and manager with PHH Mortgage, XXXX ID # XXXX was put on the line. PHH Mortgage XXXX, XXXX stated they no longer handle the account anymore, they can't do anything, to call XXXX, PHH received notification of the HAF/Mortgage Assistance Alabama funds were sent in XX/XX/XXXX, but PHH Mortgage has not received the payment, not to worry that if PHH Mortgage receives the payment they will forward it to XXXX, PHH Mortgage has limited info, that I need to contact Mortgage Assitance Alabama. I told PHH Mortgage, XXXX I have no issue getting in touch with Mortgage Assitance Alabama, that they've ( MAA ) confirmed they sent payments to PHH Mortgage in XX/XX/XXXX and XX/XX/XXXX, and Mortgage Assitance Alabama told me to contact PHH Mortgage. I received no assistance or resolution.
PHH Mortgage has transferred false and/or incorrect mortgage documents and information to XXXX XXXX XXXX. PHH Mortgage has not forwarded any payments to Select Portfolio, PHH Mortgage sent Trial Modification documents that I did not request nor agree to, incorrect property tax information and payment amounts and balances.
After reviewing some of my PHH Mortgage statements & documents I have found that PHH Mortgage has made errors on my account which resulted in an escrow shortage and mortgage payments going up. Mortgage statement from PHH Mortgage from XX/XX/XXXX shows a PMI Payment in the amount of {$220.00} paid on XX/XX/XXXX, my normal PMI payment before and after that statement is {$73.00} ( PHH Mortgage charged 3 months of PMI for one month ).
If I call PHH Mortgage for assistance regarding my account they tell me they can not help me and have limited access. It is my understanding PHH Mortgage should be able to assist with account errors within 1 year after my mortgage is transferred.
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| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; Relationship Manager XXXX Subject : Re : URGENT RE : XXXX XXXX XXXX, XXXX, MA Good afternoon, Dear XXXX, you are absolutely correct, This property was originally scheduled to XXXX XXXX XX/XX/XXXX, however after the auction ( XX/XX/XXXX ), we received attached letter from the PHH on XX/XX/XXXX, regarding OCWEN and MA Attorney General office agreement to settle the lawsuit to offer loan modification to certain loans, including our XXXX XXXX loan.PHH then sent us reinstatement on XX/XX/XXXX, valid to XX/XX/XXXX with no specific deadline to deposit the funds, upon expiration, advised to request new reinstatement, instead of updating us on pending loan modification application status mentioned on the letter sent on XX/XX/XXXX.
On XXXX XXXX XXXX. We asked the PHH to approve below mentioned requests under the provision of the executive order of the Government authorities, and relief In light of the developments regarding COVID-19 by the XXXX XXXX in coordination with the Federal Housing Finance Agency ( FHFA ) and ( CARES ) Act ; 1 : Grant forbearance, under the federal Coronavirus Aid, Relief, and Economic Security Act or the CARES Act ( H.R. 748 ), which President Trump signed into law on XX/XX/XXXX, homeowners with a federally backed mortgage loan like our XXXX XXXX loan # XXXX, regardless of delinquency status, who're experiencing a financial hardship that's due directly or indirectly to COVID-19 can get forbearance.2 : Approve loss mitigation options such as a loan modification and repayment plan.
On XX/XX/XXXX, received an email from the PHH Covid19 assistance team to furnish requested information, we replied to them on XX/XX/XXXX. We hold the complaint to file in the court till PHH Covid19 reply ( email sent to them on XX/XX/XXXX as reply to PHH email sent to us on XX/XX/XXXX ).
Even we have a doubt on the legitimacy of the servicemember relief notice, served to parties, those are not party of the interest, per final settlement agreement signed to dismiss /settle the land court case in XX/XX/XXXX, regarding the ownership of the said property. ( If needed, i can send you copy of executed settlement agreement for you review ).
As far as the auction sale agreement, we have not received any communication from your office since XXXX XXXX, assuming that auction is reversed and auction sale agreement is null and void, auction bid deposit {$5000.00} will be reimbursed.
All of a sudden, we received an email from your office on XX/XX/XXXX, regarding closing the property on XX/XX/XXXX, and later on XX/XX/XXXX default notification, instead of 30 days.
Despite of numerous unsettling and toxic issues that seem to be only the tip of the iceberg of the problems at the building building has a serious XXXX and XXXX element, dealing with XXXX, XXXX and XXXX. There are approximately 25 police reports in the recent past dealing with all sorts of XXXX, XXXX, XXXX, XXXX, medical emergencies at XXXX XXXX XXXX and other adjoining buildings appear to be involved in this XXXX spree. some of the tenants, besides arming themselves with XXXX, are also arming themselves with lawyers to perpetuate this toxic situation in order to completely control the building. I have been advised that they have obtained through legal means one or more lis pendens on the building totaling almost {$100000.00}. XXXX XXXX XXXX XXXX, as a non-profit group believe that they are doing the community a great service by fixing up this building, removing the criminal element from this area and using the buildings to house XXXX families that will contribute to society and the XXXX XXXX. That is why we request and hope that we and PPH should find a fair resolution to this problem loan that will be a win for XXXX XXXX XXXX and the XXXX XXXX AND a win for your client PHH..We are fully prepared to settle the issue. Attached is proof of funds for your information.
Our Attorney XXXX XXXX is not yet back to office. I respectfully request you to allow him to respond and settle this issue with your office on his return.
XXXX, XXXX
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| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/XXXX applied to get Mortgage Assistance from my Mortgage Company and went through the application process for 3 months of missed payments due to covid related work issues. In the course of the process, I had to submit several documents : verification of income, bank statements, proof of home ownership, etc. This was done in a timely manner through a series of emails.
On XX/XX/XXXX I was told that they didn't receive the documents and I needed to send them again additional documents from the ones I submitted : I sent them the following : my Marriage Certificate Driver License Death Certificate XXXX XXXX personal bank statements XXXX XXXX bank Statements 6 months payments of rent from my brothers and the Application of the Loan Modification ( they said they didn't have it on the file ) The mortgage company had scheduled a call to follow up on the progress of the mortgage assistance.
The follow-up call was the same : On XX/XX/XXXX They proceeded to tell me additional documents I needed to submit and included my brothers on the application since they are part owners of the home and they had the covid related issues with their income.
I submitted it again because they said the digital copies were not legible Attached are the following Documents requested for Loan Modification Application Mortgage Assistant Application : For Consideration of Long or Short Term Death Certificate Clarification Signed Letter Court Order of Property through Probate Court Title of Property in question Marriage Certificate Profit and Loss Statement Brother 1. Most Recent Pay Checks XXXX and XXXX XXXX XXXX. Most Recent Pay Checks On XX/XX/XXXX The mortgage company set up another appointment to verify that the documents were correct, however, they informed me the documents were again not legible and that I need to send it again.
To be clear the following documents are resent because of missing information.
Clarification Letter of Identifying title holders of property.
The letter details their financials.
One of my brother names was missed spelled on their end and I had to clarify that it was not a XXXX it is an XXXX for his middle name Profit and Loss is for Myself Employment Pay stubs for XXXX XXXX and XXXX At this point, I am calling them every week to check the status of the paperwork because I wasn't sure if they received everything and I was beginning to go into another default month to repay.
On XX/XX/XXXX they requested more documents I wrote in an email : Thank you for the support and patience, I have attached the final requested Documents from my brother who was on a work trip. and I sent them again the filled out the application and signed.
XX/XX/XXXX checking with them they said they still do not have the application for one of my brothers and I have sent them already XXXX times.
XX/XX/XXXX they are requesting again more income documents since we have proceeded into a new month and wanted to update the file.
XX/XX/XXXX they needed another employment verification of my work that they already had. I had to send it twice that day because they said they did not have it.
XXXX they denied my application and said I have exceeded the 90 days of the payment and need to pay upfront for 7 months or we can get you more options for repayment.
Such as a deferment to take the outstanding balance at the end of the loan or pay out the outstanding balance plus the mortgage over the series of XXXX payments to avoid foreclosure. they told to apply for the deferment and I did three times on he calls in XXXX, a second time two weeks later to check the status of the deferment and they said I never applied for it. Then again XX/XX/XXXX after I called to check the status of the last time reapplied.
Then the agent on the phone said I should have never been applying for a loan modification in the first place because I was already 90 days past due and they would have denied it based on that. then she looked further and said I was in forbearance during those three months delinquent and they should have not counted those three months and should have worked with me in another program. I was in a covid related issue with my brother 's work and trying to head off a huge financial loss.
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| 06/22/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By " monthly mortgage statement '' dated XX/XX/XXXX sent by mail from XXXX XXXX ( " XXXX '' ) c/o PHH Mortgage Services ( " PHH '' ) that is addressed to " Estate of XXXX XXXX XXXX '' with an alleged addressed at " XXXX XXXX XXXX, XXXX, NJ XXXX '', and sets forth : ( 1 ) on page 1 of 6, " Loan number : XXXX '' ; " Payment Due Date : XX/XX/XXXX ; " Amount Due : {$250000.00} '' ; and under " Important Messages '' that " You are currently due for the XXXX payment. Your last full payment was applied to the payment due XXXX. " ; and ( 2 ) on page 5 of 6 a " ** Delinquency Notice ** '' addressed to the " XXXX of XXXX XXXX XXXX '' stating in relevant part that : " You are late on your mortgage payments. Failure to bring your loan current may result in fees and foreclosure - the loss of your home. Your loan became delinquent XX/XX/XXXX. '' A true and correct copy of the " monthly mortgage statement '' dated XX/XX/XXXX sent to me from XXXX and XXXX is enclosed hereto as Exhibit " A ''.
The foregoing recitals within the " monthly mortgage statement '' from XXXX and XXXX dated XX/XX/XXXX is indicative of unfair, deceptive and unconscionable debt collection practices using the mail in violation of 18 U.S.C. section 1341 in an effort to extort monies from me towards the aforementioned loan number associated with my home in New Jersey, by : ( 1 ) falsely using the name of the " XXXX of XXXX XXXX XXXX '' that does not exist, has no interest in the subject property or subject account number. ; ( 2 ) demanding monies towards an already time-barred debt and mortgage debt that matured on XX/XX/XXXX by acceleration through foreclosure commenced under Docket No. : XXXX in the New Jersey XXXX XXXX on the same day by late husband died ( XX/XX/XXXX ) and later dismissed XX/XX/XXXX. See a true and correct copy of the foreclosure complaint filed in Docket No. : XXXX on the same day my husband died, declaring acceleration of the subject account because of non-payment due on XX/XX/XXXX enclosed hereto as Exhibit " B '', and dismissal of the action as of XX/XX/XXXX enclosed as Exhibit " B-1 ''. ; ( 3 ) falsely declaring no payments were made for XXXX and the subject account became delinquent as of XX/XX/XXXX, when the complaint filed in the NJ XXXX XXXX by Litton Loan as an affiliate of XXXX and XXXX in Docket No. : XXXX on the same day my husband died ( XX/XX/XXXX ) declares under penalty of perjury that no payment were made towards the subject account since the installment due XX/XX/XXXX and the subject account became delinquent as of XX/XX/XXXX ( See Exhibit " B '' ).
( 4 ) omitting and concealing the trial modification agreement offered by Litton Loan and executed by me on XX/XX/XXXX, requiring three payments of {$1900.00} for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were all timely paid and cashed by Litton Loan, and the latter failed to permanently modify the transaction or apply payments to the subject account. A true and correct copy of the XXXX XXXX, XXXX trial modification and three timely made payments for {$1900.00} made to and cashed by Litton Loan for XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX totaling {$5700.00} is annexed hereto as Exhibit " C ''.
( 5 ) omitting and concealing a total of {$10000.00} in payments that were made to and cashed by Litton Loan for the installments declared due towards the subject account on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX. XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. See Exhibit " D '' for a true and correct copy of the payments made to and cashed by Litton Loan towards the subject account for the months XXXX XXXX, XXXX through XX/XX/XXXX, XXXX ; and ( 6 ) omitting and concealing a total of {$5100.00} in payments that were tendered and presented to Litton Loan for the installments declared due towards the subject account on XX/XX/XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX that were returned by Litton Loan for several varying reasons, the middle of which instructed me to refer to my already deceased husband on the payment. A true and correct copy of the {$5100.00} in payments that were made to and returned by Litton Loan for the months XX/XX/XXXX through XXXX XXXX, XXXX are enclosed hereto as Exhibit " E ''.
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| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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There were three payments made to collection agency. XXXX XX/XX/XXXX to request accounting authenticate and notice of rescission of a ledge loan. Collection sent a letter with no evidence per what we had requested. Sent out Notice of injury XXXX XX/XX/XXXX. Collection sent nothing based on what we had requested. XXXX XX/XX/XXXX sent out cease and desist letter and questionnaire. Received letter ( s ) in XX/XX/XXXX from Collections stating the loan has been referred to an attorney to start foreclosure process. Sent a very bad copy of Balloon Rider aka the NOTE. In the collection response they stated they are not the holder. So, who is the holder? If the holder has not demanded payment, then there lies the problem. Fact : the collection agency is not the holder in due course then this would be extortion or loan sharking and fraud.
There is no reason to pay collections under 26 CFR 1.1275-3 - OID information reporting requirements plus under title 15 U.S.C., Sec. 1601,1692. They were upset about our claim of fraud. We can provide proof of some fraud and suspicious documents related to the accounting by parties. Final cease and desist along with RESPA request to be answered going out within days.
These are some the codes they have violated : 26 U.S. Code 7206. Fraud and false statements 26 U.S. Code 1273. Determination of amount of original issue discount 26 CFR 1.1275-3 - OID information reporting requirements 26 U.S. Code 7201. Attempt to evade or defeat tax The loan amount can not be verified by lender, servicer, and or trustee then what is the claim of a debt is about. I have supplied lots of documents for review. Based on the documents supplied. How do you owe more on the loan 10 years later then you borrowed? Scan XXXX XXXX & XXXX was reported to the IRS. Scan 24 balloon rider of the deed of trust demands {$130000.00} due XXXX XX/XX/XXXX on top of the loan of {$250000.00}. Would be predatory lending? Collector XX/XX/XXXX statement states the account sent over to an attorney to start foreclosure process. The collector is not the holder in due course, but they want to foreclose. They need to validate the debt first but no they are qualified XXXX group engaging in economic XXXX as domestic or in foreign status. Can you verify they have right to do business in California? This is the STATE OF CALIFORNIA major XXXX campaign operations domestic and in foreign status engaging in economic XXXX activities of all sorts. This definitely falls in line with economic XXXX. We will be cancelling this account with INTERNAL REVENUE SERVICES asap. The real estate was paid in full before or at closing. Senior citizens need not to take advantage of by bad business practices. Scan 13 show the owner ( s ) are tenants in their own home.
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C., Sec. 1601,1692 et seq, this constitutes timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud.
Under Title 26 852 and 862 Collection Agency do not qualify as a Real Estate Investment Trust REIT which makes you in possession of contraband.
We appreciate you looking into these issues. The original lender and trustee is out of business so it is most important we get all assignments documents to make show no fraud has taken place. We are very aware of what these domestic or foreign crews will do to steal assets from you, me or anybody under mortgage fraud. This would be not limited to refiling the original deed, making up a new deed, using variation of like name ( s ) to file into the courts to obtain summary judgement, out of state crews to produce documents, none holder of the instrument to file claim as monies are owed to them and the list go on and on. There is a possibility they won't even notify you to come to court. You need to take a real close look at this crew and associates. There could be some type of security fraud that my need to be reported to the Security Exchange Commission to investigate. Highly financed crew ( s ). They will not and have not comply with federal laws.
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| 04/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I applied for a loan modification with Ocwen Loan Servicing, LLC on XX/XX/XXXX after my family suffered from the California Wildfires in XX/XX/XXXX. I called Ocwen on or around XX/XX/XXXX to see if there was any assistance they would be able to offer me and my wife. I was transferred to their Natural Disaster Department and was told that they would allow me to stop my payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX and resume my monthly obligation in the sum of {$3800.00} which I did make the payment and was posted to my account on XX/XX/XXXX.
As I was speaking with the agent at Ocwen I expressed my concern about the repayment process and confirmed come XXXX all I would have to do is make my monthly mortgage payment and not have to come up with the entire amount of 3 months of mortgage payments. The agent said clearly said " yes sir, you will be able to resume your payments come the month of XXXX, XXXX '' I even had to put him on hold so he could repeat it to my wife which he did. I asked the agent if he would mail me a letter stating exactly what the terms would be, he replied yes upon approval from management. He told me to phone in 3 days to get a status which I did and as of the date this complaint was filed I have yet to receive any notification that Ocwen would allow me to stop paying my mortgage for 3 months then resume in XXXX, XXXX.
I received a notice from Ocwen dated XX/XX/XXXX titled " NOTICE OF DEFAULT '' which absolutely surprised me and my wife. I phoned Ocwen and spoke with an agent who said that I was behind more than 90 days in my mortgage and the total due on the letter was {$15000.00}. I advised the agent that there has been a huge mistake as I was given 3 months not to pay my mortgage as I recover from the Wildfires. The agent said it does not work that way, once the 3 months are up I would have to pay in full the total amount up front. I was in shock and requested Ocwen provide transcripts of the telephone conversation I had with the Natural Disaster Department on or around XX/XX/XXXX. The letter I mailed to the for the request was sent certified mail, received by Ocwen and never responded to. The agent suggested I apply for a loan modification if I was unable to pay the total amount of {$15000.00}. I advised the agent I already was on a loan modification and his response was you can apply as many times as you like there is never a limit. On XX/XX/XXXX I completed and submitted the required forms which was received and at no time did they request any additional documents.
On this date, XX/XX/XXXX I phoned Ocwen to get a status of the modification and was advised it was DENIED and I should receive a letter within the next 5 business days. I again was in shock, had to regain my composure and asked the agent why it was denied. The agent responded that I have already been approved for 2 previous loan modifications and the 3rd one would not be accepted. I again asked what my options where and was advised to pay the sum of {$19000.00} on or before XX/XX/XXXX or do a short sale with no additional options. I told the agent I don't have that amount of money nor do I have the ability to borrow it. I was simply told sorry.
My intentions have always been to stay in the property with my wife and XXXX children all under the age of XXXX. I have tried tirelessly to work with Ocwen but can never get anywhere with them. They are a very difficult company to work with based out of XXXX XXXX XXXX Florida with a call center in the XXXX with never a chance to have your call transferred to the States.
Ocwen has engaged in deceptive practice violating several business and professional ethic laws and must be held accountable for their lies. My family will be unable to pay the amount of {$19000.00} to get the loan current. Ocwen makes it a point to pace the following wording all over their various websites that " Helping Homeowners is What we Do '' which could not be further than the truth. During these awful times you would think your mortgage company would be there to help you. Ocwen clearly stated " You will not have to pay your mortgage for 3 months and can resume your monthly payments on the 4th month '' This was an absolute lie.
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| 07/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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In XX/XX/XXXX, XXXX loss his job and became unemployed, XXXX had already been unemployed since XX/XX/XXXX. Both of us were unemployed, we contacted Ocwen to request mortgage assistance in XX/XX/XXXX. At this point mortgage payments were current despite both of us being unemployed. Our savings were exhausted. Ocwen offered us an unemployment forbearance program beginning XX/XX/XXXX. At the time we were granted a year to make min. payments of XXXX per month and we made the monthly payment as instructed until XX/XX/XXXX. At which time XXXX and I were back employed and asked for a loan modification, sent in the application and was not told until XX/XX/XXXX that our loan modification was not an option because the investor XXXX XXXX refused to participate in loan modifications. Our home was under water by about {$100000.00} at the time and we opted to participate in the forbearance program because Ocwen indicated at the end the one year unemployment assistance program we would be eligible to apply for a refinance. Why would you offer me a refinance option that Ocwen knew did not exist? Ocwen the loan servicing company never told us that the XXXX XXXX does not participate in any loan modification programs and expected all past due to be paid up front in order to continue the loan. Had we had the funds we would have never asked for a payment exception, and surely had we known that we would be in a worsen position by participating would put our home in jeopardy of foreclosure because the lender would not give us the opportunity to refinance by loan modification. We were scammed by Ocwen who knew this would end up in a no win situation. We attempted to contact XXXX XXXX on two occasions and had to be called back because nobody was available to speak to us, and never received any return calls. We attempted on three different occasions to submit applications for modification with Ocwen and was led to believe this time it will be different and the second time the only option given was we had to turn over the deed in lieu of or do a short sale and the option to keep our home with loan modification was not an option. The house was under water and we were destitute, Ocwen was aware of programs that could have saved the property and did not inform us because we believe they wanted to foreclose on our home. We have been in this property since XX/XX/XXXX, in XX/XX/XXXX put in a new heating and air conditioning unit that cost more than {$5800.00} and in XX/XX/XXXX, a section of the roof fell in and we had to borrow money to replace costing us more than {$8200.00} when we had no money because we wanted to retain our property. After investing to keep the property in tip top shape, now Ocwen and XXXX XXXX want to foreclose on our property. All correspondence regarding XXXX XXXX, directs us to deal with Ocwen who says it is the lender who makes the decision to either foreclose or not, yet we are unable to get the lender to contact us or accept our call. On XX/XX/XXXX we received a letter from XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Pass through certificates, series XXXX, advising of foreclosure proceeding beginning for the debt {$370000.00}. We are asking an opportunity to resolve this issue with the bank however the bank will not take or return our calls. Had Ocwen told us up front that entering the forbearance program even if completed with on time payments would not help us because the lender does not do loan modifications we would have re-thought our decision to participate and opted to struggle to rob peter to pay Paul to avoid this foreclosure option. We were not given the opportunity to do this and we feel we were purposely misled by Ocwen representing XXXX XXXX. Please investigate for us, I only can imagine how many more people have been misled through this scam of yes, we are here to help and then when you are able to pay your mortgage payment they demand the entire arrears amount which anyone with common sense would know you do not have, for if you had it you would not have been in the program to begin with. XXXX can be reached at XXXX XXXX for further information.
|
| 09/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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COMPLAINT REGARDING FINAL MODIFICATION TERMS XXXX / Sent XXXX XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX ( Account manager ), I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the final modification terms of the loan agreement I have with PHH Mortgage Services. After I had sought many avenues of information concerning my situation, I immediately knew there was something wrong with the final modification terms and conditions. The particular issue I would like to address pertains to the balloon note, which stipulates an amount almost as higher than the outstanding balance that is owed. Another issue is meeting the conditions of the final modification. It stated that mortgage assistance needed to be applied by a third party, in the amount of XXXX XXXX dollars by XX/XX/XXXX. Last, the amount of time that was given to meet the deadline and respond to this offer no later than XX/XX/2023, was unattainable.
As a responsible borrower, I have diligently fulfilled my obligations throughout the loan period. I have had financial challenges and hardships along the way. I did what I needed to do to help save the house that I have lived in for over 24 years. I am still raising children with as many out of XXXX who have known this as the only house they had lived in. I understand the marketing and the predatorial practices that can consume your property right from underneath you.
However, the conditions associated with the final modification specifically the disproportionate increase in the balloon note amount appear to be unreasonable and unfairly biased against me. I believe that these terms do not align with the principle of fairness and mutual benefit that should underpin a borrower-lender relationship. I applied for mortgage assistance in XX/XX/2023 with the Maryland Homeowner Assistance Fund. I was approved and a check was made out to PHH Mortgage in the amount of XXXX XXXX Dollars only to be sent back to MHAF.
I find this absolutely absurd, that in the final modification it states that I would need to apply for mortgage assistance and if XXXX XXXX dollars is not received by XX/XX/XXXX, the mortgage assistant option may be declined. It took months to complete the application process for MHAF and now it should be completed again in a week 's time. I fulfilled the trial period plan for the months of XXXX, XXXX, and XXXX. A final modification was received on XXXX XXXX. I had to respond to this offer no later than XX/XX/XXXX. Modification 's purpose is to support borrowers in difficult situations in the hope of making it work better.
I kindly request a thorough review and reconsideration of the final modification terms in light of the following points : XXXX. Justification of Balloon Note Amount : I request a detailed breakdown and explanation of how the revised balloon note.has been determined. Understanding the rationale behind this increase will help me evaluate the fairness of the proposition.
2. Comparison with Market Standards : I encourage you to provide information regarding current market practices and standards for loans of similar nature. This will enable me to assess whether the revised terms align with prevailing industry norms.
3. Financial Hardships : Please take into consideration my financial circumstances and the potential hardship that the revised terms may impose.
4. Good Faith Negotiation : I am open to engaging in constructive dialogue to find a mutually acceptable solution. I believe that by working together we can reach an agreement that reflects our shared interests and ensures a sustainable resolution.
I kindly request a prompt response to this letter, preferably within 14 days to initiate the resolution process. Should I fail to receive a satisfactory response or acknowledgment of my concerns, I may have no choice but to explore alternative avenues to protect my rights as a borrower.
I trust in your commitment to fairness and customer satisfaction and hope for an amicable resolution to this matter. I look forward to your prompt attention and a mutually beneficial resolution.
Thank you for your understanding and cooperation.
Sincerely, XXXX XXXX
|
| 07/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I am currently in escrow to sell the property. In title search process title company XXXX XXXX representative XXXX XXXX informed me that XXXX XXXX XXXX XXXX XXXX XXXX and Custodian for my loan with Saxon Mortgage/SMI Mortgage never filed or submitted/recorded mortgage payoff/satisfaction documentation to New York Finance Department City Register even though I have an ORIGINAL written letter of conformation from XXXX XXXX officer Assistant VP XXXX XXXX, along with an ORIGINAL Certificate Of Discharge with her ink signature and an ink notary seal both stating and confirming " your loan was paid in full on XX/XX/XXXX. '' and " Known all men by thee presents that XXXX XXXX XXXX XXXX XXXX formerly known as XXXX XXXX XXXX XXXX, as Trustee and Custodian by : Saxon Mortgage Services , Inc f/k/a XXXX XXXX XXXX XXXX as its attorney in fact, who's address is ____________, holder of a certain mortgage evidencing an indebtedness in the amount of {$55000.00}, plus interest, whose parties, dates and recording of information are below, does hereby acknowledge that it has received full payment and satisfaction of the same, an in consideration does thereby discharge said mortgage. '' This document has my maiden name XXXX XXXX and Married name XXXX XXXX.
I unsuccessfully reached out and researched Saxon Mortgage and SMI Mortgage mentioned in the document signed and legally notarized by XXXX XXXX representative XXXX XXXX. I tried websites XXXX and saxononline.com both defunct, not accessible not functioning. I tried phone numbers including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - none of these are functioning, all disconnected. I tried a company called XXXX XXXX, XXXX, and spoke to the owner XXXX XXXX. He confirmed his company is different and not connected to the company that held my mortgage I reached out directly to XXXX XXXX XXXX XXXX XXXX and had multiple communications with XXXX XXXX Property Compliance Administrator, XXXX XXXX XXXX. On XX/XX/XXXX she referred me to a company named Ocwen indicating while XXXX XXXX was Trustee and Custodian, and provided the formal Certificate Of Discharge, their contractor Ocwen " manages the mortgage. '' On XX/XX/XXXX I reached out to Ocwen but somehow was redirected to PHH Mortgage, I believe some how connected to Ocwen. I spoke with representative XXXX, who told me his ID number was XXXX. He instructed me to " fax the research department at XXXX XXXX XXXX.
I sent in my documents and request for lien release. I received an email from a representative named XXXX, from a company calld XXXX XXXX XXXX ( which I guess is some way connected to XXXX XXXX, Ocwen and PHH a very confusing and difficult trail for a consumer to navigate ) on or around XX/XX/XXXX indicating he could not find the loan with the letter and Certificate Of Discharge I provided him from XXXX XXXX Assistant VP XXXX XXXX.
On XX/XX/XXXX I sent an email to XXXX, of XXXX XXXX XXXX, including the recent title report from XXXX XXXX, mortgage loan documentation from the XXXX loan on the property which was the put in place AFTER the Saxon payoff and satisfaction for which I am requesting lien release for which XXXX XXXX provided Certificate Of Discharge. I also included XXXX IRS form 1098 indicating loan paid off in full, and a further/later XXXX XXXX of a loan on the property to XXXX XXXX XXXX .... and again included the letter form XXXX XXXX of XXXX XXXX and a copy of the Certificate Of Discharge ( both of which I have the originals ) Today XXXX responded saying, '' I have completed my research for this request and was not able to locate this loan in any of our systems matching the information you have provided. Unfortunately, since this does not appear to be a loan, which we have ever serviced, I am sorry to say that I am not able to assist with this request. '' This seems unfair, unwarranted and unacceptable as I literally have the ORIGINAL Certificate Of Discharge from XXXX XXXX but now am in a situation where without XXXX XXXX or its retained contractor filing lien release/mortgage satisfaction with NY Dept of Finance City Register my property sale in escrow is jeopardized, any future attempt to sale will not go through and I experience financial harm
|
| 05/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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PHH Mortgage received my XX/XX/XXXX payment on XX/XX/XXXX. They received XXXX XXXX payment which was cashed on XX/XX/XXXX, and XXXX XXXX payment due to late delivery via USPS was cashed on XX/XX/XXXX.
In XXXX, I received a letter from their attorney stating they are initiating foreclosure and I had 30 days to dispute it. I immediately looked through my records because I was about 2 or 3 weeks behind and that was just due to getting through the holidays. As I was gathering my proof that I was not anywhere near foreclosure I received a summons and complaint on XX/XX/XXXX, that foreclosure was filed on XX/XX/XXXX, not even giving me the opportunity to dispute their claim, I still sent my proof to the lawyer.
PHH Mortgage claims that as of XX/XX/XXXX I was due for XX/XX/XXXX. According to my records as of XX/XX/XXXX, I was only due for XXXX. In addition to that, they received XXXX XXXX payment on XX/XX/XXXX. ( It went out late due to the holidays ). PHH received my XXXX payment on XX/XX/XXXX, and received XXXX 's payment on XX/XX/XXXX, ( I wasn't sure if I should send it or not, but decided to ).
I answered the lawsuit with the same info I'm telling you, and also filled out paperwork for a settlement conference. Their lawyer called me 2 weeks ago to set that up and said he's sending me a financial packet I need to fill out. I told him I'm not interested in a loan modification as we aren't the cause of the foreclosure and weren't late. His response was, " well you are now. '' I do not want my loan modified unless it's better than what I've already got. And I don't feel we should have to pay all these foreclosure fees when I've sent the payments in. They started returning my checks in XXXX.
Based upon their payment ledger they have not cashed/credited XXXX XXXX payment and per my records, my payment intentions have not be applied to my account as I feel they should had ( which I feel is the only explanation as why think I am late ). They also did not cash/credit the XXXX or XXXX payment, both received before foreclosure was filed. They returned to me uncashed, a copy of the XXXX and XXXX checks.
From XX/XX/XXXX through XX/XX/XXXX I had been paying an additional {$100.00} per check because I had been running behind and I was trying to get the account current. So I skipped XX/XX/XXXX and paid {$100.00} extra per check from XX/XX/XXXX through XX/XX/XXXX, which the XXXX check paid XX/XX/XXXX in full, then from XX/XX/XXXX through XX/XX/XXXX I did the same thing for XXXX. I also paid a late fee of {$20.00} for the majority of all the months to pay for the month the check was for. Since I paid more than was actually due for the late fee, ALL late fees have been paid but yet they are still saying I owe for late charges. To me the account was current as of XX/XX/XXXX including all late fees ( this is the month they are going by ). And I continued to pay up to XXXX 's payment.
They also are claiming I have to pay a NSF, but I've never had a returned check from all the checks I've gone through.
Per their statements, they say Payment due on XX/XX/XXXX Fully paid on XX/XX/XXXX. But they received that payment on XX/XX/XXXX and have never cashed it. It then goes on and reads payment due on XX/XX/XXXX, I say that was cashed on XX/XX/XXXX. It goes on to read payment due on XX/XX/XXXX, I say that was cashed on XX/XX/XXXX. It goes on to read payment due on XX/XX/XXXX, I say that was received on XX/XX/XXXX and not cashed. It goes on to read payment due on XX/XX/XXXX, I say that was received on XX/XX/XXXX and not cashed .... So you have these payments plus an extra {$100.00} a month from XXXX to XXXX to pay for XX/XX/XXXX and XX/XX/XXXX and a late fee paid for every month, and the purpose of that was not to get the account current then have hundreds of dollars of late fees lingering. How can I be behind on the loan when there has been a payment received by them for every month?
Since I've had lost payments with PHH when they took over in XX/XX/XXXX, I started sending all my payments via XXXX/USPS shipping. All shipping labels are purchased via XXXX and shipped with USPS Delivery Confirmation so I would have proof payment was received if it ever happened again.
|
| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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LOAN # XXXX Too whom this concern : cfpb My name is XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Fl.XXXX On XX/XX/XXXX I went down to the XXXX XXXX Tax Collector Office to pay my XXXX and XXXX property taxes. I was told that I can only pay the XXXX property taxes. XXXX XXXX XXXX had already paid the XXXX property taxes on XX/XX/XXXX. I call XXXX XXXX XXXX and ask them where they want me to send the money for XXXX property taxes. One of XXXX XXXX XXXX represented told me I did not have to pay the XXXX back taxes in one lump sum. If I would let them start an escrow account for taxes and insurance. I said no what if I let you escrow my property taxes only not my insurance. XXXX XXXX XXXX represented said yes we can do that. I said what the best deal you can give me. Loan Servicing represented said we already paid the XXXXand let us pay XXXX that will keep about {$14000.00} in your pocket. I said the problem with that I already paid my XXXX property tax. XXXX XXXX XXXX represented said what if we pay your XXXX property tax when it is due in XX/XX/XXXX. And we will call it your escrow shortage. I said the problem with that is you are going to try to collect over period of 12 month. XXXX XXXX XXXX represented said no let me see what can do. XXXX XXXX XXXX represented said ok the escrow shortage balance is {$14000.00} that will be collected over 60 months you will be paying {$230.00} a month plus the {$570.00} for your current property taxes. I said the only problem I have now if a new servicing company takes over can they try to collect the escrow shortage over period of 12 month. XXXX XXXX XXXX represented said no the new servicing company can not change the agreement between you and the prior servicing company. They have to honor servicing company prior agreement. Look at ( exhibit A ).
XXXX XXXX XXXX and Ocwen are partner look at ( exhibit B ).
One of Ocwen Settlement with ( cfpb ) failing to honor in-process loan agreed by prior servicers. Look at ( exhibit C ).
( THIS IS MY TRUE STORY ) XXXX XXXX XXXX interest rate was 8.25 % now once I enter into agreement with XXXX XXXX XXXX they then transfer Servicing to Ocwen their partner XXXX will tell me to send whatever proof I have of our agreement to the retention department in XXXX XXXX XXXX Fl. After 90 days of researching they then can file a foreclosure against me wish they can force me into an in house mod with an interest rate of 8.21 % after 4 years trying to send proof to Ocwen research department. They got the proof in XXXX. Ocwen represented then ask me why didnt i give them the proof before the mod took place in XXXX. I told Ocwen represented I did he said let me check. Ocwen represented said they have no record of me sending them anything at all in XXXX look at XXXX exhibit D ). I sent it by certified mail to Ocwen research department they sign it twice to in XXXX XXXX Florida Need I say more? Look at ( exhibit D ). Read the email from the Ocwen Attorney it did not took 4 year to give me an answer. Look at ( exhibit E ). This is my question to the Ocwen lawyer by email read ( section 1 ) after reviewing same ( exhibit A ) paper work that I fax and mail countless time to Ocwen Research Department in XXXX XXXX XXXX, Fl. After I received my Annual Escrow Account Disclosure from Ocwen Dated XX/XX/XXXX.Look at ( exhibit F ). This is the respond from Ocwen Attorney to my email. Look at ( section 2 ) telling me in so many words that our agreement with XXXX XXXX XXXX was I had 60 months to pay back on my escrow account not 12 month. When a bank starts an escrow account they escrow the taxes and insurance. Let Ocwen explain why in XXXX their where no escrow account for taxes or insurance until Ocwen force me into an in modification from an 8.25 % to an 8.21 % interest rate.
One of Ocwen Settlement with ( cfpb ) failing to honor in-process loan agreed by prior servicers. Why are Ocwen still doing this?
THIS IS WHAT OCWEN ARE DOING TO ME NOW.
1. Ocwen failing to honor in-process loan agreed by prior servicers.
2. Charging improper fees and hidden fees of a lock box.
3. Never credit me back {$6000.00} for place flood insurance.
4. Why are Ocwen still doing this?
XXXX XXXX XX/XX/XXXX
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| 10/30/2021 |
Yes |
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- Trouble during payment process
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Web |
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I believe this would be considered a loan modification and imposter scam which was performed by an individual who was claiming to be PHH MORTGAGE SERVICES ( PHH ) employee and was demanding payments in the form of a pre-paid XXXX debit/gift card to cover trial loan modification payments, escrow shortages and/or to avoid foreclosure. This imposter was calling from what appears to be a legitimate PHH MORTGAGE SERVICES phone number. The total amount paid into scam : {$2300.00}.
Please see notes that follow...
On XX/XX/XXXX I received a call from a Male who called himself XXXX XXXX and stated that he was a account modification manager at PHH Mortgage, our Mortgage company. The phone number he called from was identified on caller id as a PHH phone # : XXXX. XXXX said he was calling to confirm status after the COVID program to inquire into if we still needed help with keeping up with the payments. XXXX stated that he was able to offer us a loan modification that would lower both our interest rate and our payment. He went onto say that the interest rate would change from 2.75 % down to 2.25 %, and the new monthly payment from the {$990.00} to {$790.00}.
He went on to explain the program and how it will be set-up. There will be 3-trial payments. Starting today, ( XX/XX/XXXX ) I was to make the 1 trial payment of {$790.00} for XXXX then there will be 2 additional payments of {$790.00} for both XXXX and XXXX on the XXXX of each month. At that time I had already made the XXXX payment of {$990.00} on XX/XX/XXXX which had already been applied to the account. XXXX said that that payment will be removed and applied as a suspense payment. Then after the 3-trial payments that suspense payment will be applied to the account as the 1st new modification payment in XXXX. I asked for the info for sending the XXXX XXXX payment, and XXXX advised that I could save money by sending the payment by way of a cash card thru XXXX for a fee of {$1.00} for each card, whereas XXXX XXXX will cost {$37.00} - {$52.00}. He advised that I will need 2-cards due to there is a {$500.00} limit on the card. Once I purchased the cards, I was to Call him back with the payment info so that he could make sure it was processed immediately and correctly, and he would give me a confirmation number for the payment. I went ahead and purchased the 2-cash cards. 1 for {$500.00} and 1 for {$250.00} ( in error ) the 2nd amount was supposed to be for {$270.00}. When I called him to forward the payment information, I advised him of the error he said I can make it up on the payment next month. He gave me a payment confirmation number of : XXXX, and then set-up a call back date in order to set-up and process the XXXX payment.
XXXX called me back on XX/XX/XXXX to set-up the XXXX payment ( XXXX pymnt conf # : XXXX ), and XX/XX/XXXX to set-up the XXXX payment, ( XXXX ). All payments processed the same as the 1st payment. I have all the XXXX cards used to make the payments, as well as those payment confirmation numbers given to me by XXXX.
I found out about the scam when a representative from the mortgage company called me on XX/XX/XXXX asking for the XXXX and XXXX payments. After I explained that there must be an error, that Ive been making the payments, and gave them the payment confirmation numbers, they advised me that they believe that it was a scam. That I should file a complaint with the FTC which forwarded me to you.
Now XXXX continues to call me. The most recent call I received from him was on Tuesday, XX/XX/XXXX. I did not answer his call. I didnt want him to know I was advised of the scam so he could change his phone number. The phone he last called me from was : XXXX. Which he has called me from over 20+ times. Im hoping to try, to retrieve some of these funds thru XXXX. Due to that it was used as a fraudulent transaction.
Also, I'm sure that he will call me back to process another payment, and I don't know how or what I should do in handling it. Please review complaint and advise as to how I should handle things from here.
Also, is there a confirmation that I will receive, stating that I filed this complaint so that if XXXX requires it when I request a refund of the funds?
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| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We refinanced our mortgage, previously held by XXXX XXXX servicing for PHH mortgage in XX/XX/XXXX. We were given an amount to wire to the closing attorney and this was done the day after the paperwork was filed. The payoff was adjusted the following Monday however the closing attorney/title company made the payment to XXXX XXXXPHH for the original amount, resulting in an overpayment to them in the amount of {$1000.00} plus an overpayment of interest in the amount of {$140.00}.
The details are as follows : On XX/XX/XXXX the company we refinanced with was provided with a payoff statement from XXXX XXXXPHH. This statement provides the following : Current principle balance : {$180000.00} Interest due through XX/XX/XXXX {$740.00} ( at a per diem rate of {$24.00} ) Recording Fee : {$14.00} Recoverable balance {$11.00} Wire fee : {$25.00} Total Payoff : {$190000.00} Your payoff statement further states : THIS STATEMENT REFLECTS THE TOTAL AMOUNT DUE UNDER THE TERMS OF THE NOTE/SECURITY INSTRUMENT THROUGH THE CLOSING DATE WHICH IS XX/XX/XXXX.
On XX/XX/XXXX XXXX XXXXPHH was wired {$190000.00}.
The difference between the amount of the payoff ( through XX/XX/XXXX ) and the amount they were wired is {$1000.00}. Additionally, they applied the funds to our loan on XX/XX/XXXX. This leaves 6 days of interest which would not have been accrued at the per diem rate of {$24.00} for a total of XXXX.
Neither of these amounts have been refunded to us at this time. In fact, the online system we have for our account with them shows a lot of odd amounts all attributed to " late fees and misc '' on the day the wire for payoff was sent to them. We have screen shots of these but the run down is as follows : The activity of our loan in the online portal shows the following, all for XX/XX/XXXX.
Payment received : {$180000.00} Suspense Payment received : {$990.00} Misc fees/late charge Payment received : {$990.00} Misc fees/late charge Payment received : {$990.00} Misc fees/late charge Payment received : {$990.00} Misc fees/late charge Payment received : {$640.00} Misc fees / late charge Payment received : {$14.00} Misc Fees / Late charge Payment Received {$25.00} Misc Fees / Late charge The total of these payments is {$190000.00} or exactly {$11.00} less than the actual amount of the wire sent to the mortgage company on XX/XX/XXXX.
The second issue is our escrow account. As of the last statement dated XX/XX/XXXX as well as the payoff statement dated XX/XX/XXXX our escrow balance was {$6400.00}. No payments of our insurance or taxes have been disbursed from this account and this has been verified with our insurance company and the XXXX Department of Revenue. Within days of the payoff of the loan, our escrow was suddenly reduced to {$3100.00} with absolutely no notation in the activity of where the remaining {$3300.00} went. As the payoff statement indicated that it was the TOTAL AMOUNT DUE and as XXXX XXXX/PHH was already sent well above that amount, we can see no reason within the provisions of the payoff that any escrow could have been used for any shortfalls in the payoff amount. There is no other acceptable reason for our escrow to have mysteriously dropped by this amount with no accounting for expenditure.
On XX/XX/XXXX a check was issued to us for just under half of our escrow in the amount of {$3100.00} and this is reflected in the activity online.
Based upon the above, the totals currently owed to us are as follows : Overpayment of payoff : {$1000.00} Overpayment of interest : {$140.00} Escrow refund due : {$3300.00} ======== Total owed to us : {$4600.00} We have been unable to get the company to explain where all of our missing money is. We provided a detailed accounting of the missing funds to them by certified letter and fax on XX/XX/XXXX. We have only received a response indication they received our letter but nothing else. We are turning to you in the hopes that you can assist us in getting them to respond and reimburse us the funds that have been improperly withheld.
Documentation of the payoff, excrow, amount wired and all other aspects of this complaint have been provided to XXXX XXXX/PHH and can be provided upon request.
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| 08/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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As many Americans my finances was deeply affected by the XX/XX/XXXX economic crash. With that, from been very stable economically Our live changed drastically economically speaking. Sense my business required travel I was still fighting as I could to save our business and we ended up falling behind in our mortgage payments. Right way I called my bank asking for help However help did not come. Before 3 month that I stopped paying my mortgage bank went ahead to court without getting a hold of us and tried to foreclosure and sell our house with out our knowledge. ( And I m talking about before the 20 days required by law ), I had to go to court and explain to the judge that I did not know about the sell and he put a stop on the sell. But any way they give me a final judmente even before I wss served and did not it up after finding out their mistake. Sense the beginning To loose our home was not an option, so, we started to fight to the best of our knowledge to save it. I requested modification. But all modifications offered to me was predatory and deceptive. The intend of your bank was not to help me but set me for a felling. And I will explain to you why i'm saying that .Hamp program guide line for mortgage payment was 31 % of the home owners gross income and at the time my income was XXXX yearly. The 31 % of XXXX would be XXXX.. Can you anderstant why I was not able to accept the offer? Right now my financial situation is better ( much better ) again I requested a modification and they did not accept my modification request .Many excuse was giving to me one of them was that my investor was not agreeing with my request. I have been looking at the all documents of my mortgage. So far I dont see that the investor has a say on my loan modification. I have asked for the bank for the name of my investor so I could call him talk to him and they kept saying to me that XXXX XXXX is my investor. But at this point I do not know who is my investor. Because the house was sold many times in the XXXX XXXX. TO THE POINT that even them do not know where is the note of my loan.
This bank has used deception in my loan sense the beginning of it, such as -Less then 20 days of filing foreclosure paper in court, they tried to sell my home without communication with me.
XXXX foreclosure filling was in filled XX/XX/XXXX Assignment of my mortgage was filled in court years after the foreclosure filling in XX/XX/XXXX ( 2 years after the foreclosure filling ) _ a alleged rob signer. XXXX XXXX. His name is all over many foreclosure papers.He was accused of been a mortgage lending company employee who prepared and signed off foreclosure without reviewing it. He signed off those papers for lawyer XXXX that eventually was in the list of foreclosure mills that became a target on attorney general in Florida and accused of using robo-signers to attest to the veracity of documents that would have no stander in court otherwise.
- The lawyer XXXX XXXX testified in court that my note was miss placed and they had now-hereabout of it.If the note is lost and I have the pooling of mortgage in XXXX XXXX. Then, who is my investor? I called the bank they told me the same thing.
AS you can see there is lots of fraud in my loan. I do not want to use it to get a free house. I just want reasonable modification. No predatory modification. If this bank had good faith in their ways they would be the first to offer mi a fair modification after seeing so many mistakes they made in my loan and after getting so many law sueand loosing in court on the same issue with many different costumers.
I'm a fighter and I will not rest.
I read a article in a news paper where your company and others are working hard trying to fix the issues that ocwen company has on it deceptive ways towards the home owner and you want to facilitate for home owner that struggled with them. I '' m one more home owner who needs your help. Please I beg you don't close your eyes to my situation. I will keep whistle blow it. as I have been doing it. Till my voice be heard.
Im seeking a modification and they again denied .I have a stable income I just need my loan to be modified so I can keep my home. I
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| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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case number XXXX regulatory case number XXXX Dear XXXX XXXX On XXXX XX/XX/XXXX I applied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX and I kept calling XXXX to send the XXXX.
Late in XXXX I wrote to XXXX to help investigate on the situtation. After I wrote a manger XXXX called XX/XX/XXXX and wrote back they were looking into it.
Late XXXX XXXX XXXX I received the w9 and sent it to XXXX and lost the grant. I then applied for a new grant through XXXX PHH then called in XXXX and modified the payment to {$840.00} I told the manager of the account I can not afford as my husband is awaiting his XXXX XXXX XXXX XXXX
I am now ready to make payments as my husband got his XXXX But can only make payments of {$640.00}.
Hope you can look into it and we can resolve it and go back to my normal payments Notice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inbox XXXXXXXX XXXX XXXX XXXX XXXX Mon, XXXX XXXX, XXXX PM to me XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Application # : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX We are pleased to tell you that based on our review, you meet the basic eligibility requirements for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This does not guarantee you will receive a funding award.
First, we must determine what type of assistance you may be eligible for under the program. The XXXX XXXX provides homeowners affected by COVID-19 with several types of assistance : Many mortgage servicers are required to offer homeowners affordable loan modifications according to federal and state guidelines. XXXX XXXX helps eligible homeowners seek loan modification assistance from their mortgage servicer.
If you do not qualify for a reasonable loan modification offer with your servicer, then XXXX XXXX funds may be used to try to make your monthly payment affordable or to pay down mortgage arrears.
XXXX XXXX provides financial support to address non-mortgage issues, such as delinquent property taxes, water/sewer payments, condo and co-op fees, and manufactured home loans.
XXXX XXXX also provides limited financial assistance to cover the cost of ongoing monthly housing payments for eligible homeowners who are unable to pay their ongoing housing costs.
Next, XXXX XXXX will reach out to the entity to whom you make your monthly housing payments and confirm the amounts owed. If you are seeking mortgage assistance, we will contact your mortgage servicer to ask for a loan modification, if possible. If your mortgage servicer offers you a reasonable home retention offer or loan modification, XXXX XXXX funds may not be needed if the offer meets the programs criteria for being affordable.
If we determine that you do require financial assistance under this program, the funds will be made available as a forgivable loan ( see Terms of Assistance below ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the administrator of this program. XXXX XXXX financial assistance loans will have the following terms : The loan will not require you to make any monthly payments or pay any interest.
The loan would only be due if the property is sold, transferred, refinanced, or stops being used as a primary residence within XXXX years. If none of these events occurs, then the loan will be forgiven XXXX years from the date the loan is signed.
The loan will be secured by a lien on the fixtures attached to the home.
There are no application fees, credit report fees, processing fees, lock-in fees, or property appraisal fees charged related to the loan.
Please note that this approval is conditional, and may be canceled for any reason in accordance with XXXX XXXX XXXX XXXX, including but not limited to the following : Information you provided to the program, or other individuals acting on your behalf during the application process, is found to be untrue or inaccurate ; Based on new information reviewed by the program, you are determined to no longer be eligible for assistance.
You fail to provide any required documentation or information requested by XXXX XXXX.
Based on our review of loan modification offers available to you, you are determined to no longer require financial assistance from the program.
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| 08/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, an online payment of {$2900.00} was debited from my checking account. I am always on time, never late on my payments. This is the same payment I make towards my mortgage every month and only this time, it is the final payment to payoff the loan. I was excited to know I finally paid off my mortgage. My loan balance was {$2000.00} when my automatic payment of {$2900.00} went through. Ive checked my loan every single day, and when I noticed the balance is still outstanding after being debited from my checking account, I called customer service 4 days after.
On XX/XX/XXXX, the customer service representative checked my loan and confirmed they received the payment. He apologized for the error. I didnt bother to write down his name, but Im sure its on the loan servicing system of record. He reassured me that they will make sure to apply the payment towards my loan to closeout the account. Unfortunately, the representative did not perform well because the loan is still showing past due.
On XX/XX/XXXX, I called customer service again. The loan payment is indeed in the system and of course, the representative apologized once again. They explained they would post a reversal of payment to reapply towards the loan correctly, to be completed in less than a week.
On XX/XX/XXXX, I called back again since the loan is still showing past due. The representative repeated the same solution and reassured to give them additional time to apply the payment correctly. We waited 5 days.
On XX/XX/XXXX, I complained that there was nothing being done and asked to speak with a manager. I spoke to XXXX, extension XXXX, user XXXX. I am very frustrated since the payment wasnt being posted correctly. I also shared that I dont want this error to impact my credit report. He reassured me that it will get fixed within 24-48 hours. Of course, it was not fixed as promised.
On XX/XX/XXXX hours later, payment is still not posted. I called XXXX, no response, so I left a message. I called multiple times that day, left several messages and yet, still no response.
On XX/XX/XXXX, I called XXXX 3 times and he hasnt responded. I then opted for another manager. The other manager reviewed the loan and advised to wait for XXXX to call me back. She repeatedly insisted to wait for XXXX and he is supposedly fixing the misapplication of payment. Crickets. No return of phone calls.
On XX/XX/XXXX, I called first thing in the morning. I left a message. I called back again and left another message. I called the third time and asked for another manager. She explained that the reason for the payment not being applied is because of overpayment. She reassured that XXXX is fixing the overpayment and will apply the payment correctly. I called late in the afternoon to try to get a hold of XXXX, still no response, no return of phone calls.
Today, XX/XX/XXXX, I called XXXX and left another message. No response, no return of phone calls. As you can XXXX, I try to be very patient. I gave the representatives and the managers ample time to get this fixed. How many times do we need to call? How many messages will it take in order to get help on this loan?
This is stressing me out. This should be a celebratory experience for me as I payoff my mortgage, yet the mortgage company will not do their part in posting the mortgage payment correctly. In fact, I also have an escrow balance containing funds for future insurance/tax payments. Those amounts will need to be refunded also.
I am very disappointed because Im having to call countless times to get this remediated to no avail. No one is returning my calls. I continue to call for help, but no one seems to know what they are doing.
Late this afternoon, I check my mailbox. Very upsetting. I received a letter indicating my mortgage payment is past due. This is very infuriating. Receiving this letter just confirms that my loan payment wasnt applied as it should and my credit will be negatively impacted. Now, they are charging {$2800.00}, including fees. This issue has caused major stress, along with other stressful issues I have to overcome at home with homeschooling XXXX little kids during this pandemic event.
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| 03/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Our mortgage ( P & I, not including escrow ) is about {$6500.00} due to an initial bad mortgage in XXXX. We have tried to refinance it since then, but because of the drop in property value, the LTV ratio was not in a favorable range for refinancing and we have been rejected on multiple times. We submitted multiple applications for any form of assistance to our loan servicer ( OCWEN ), but we were rejected by the loan servicer every time stating that we were not eligible due to the investor guidelines. On three occasions we asked for information about who owns our loan and what are their guidelines, and every time they responded by providing a different entity 's name. In XX/XX/XXXX, according to publicly available land records we discovered that our loan was transferred in XXXX of XXXX, without any notification to us. After requesting for clarification, OCWEN responded by apologizing for their errors, and provided the correct investors name. Subsequently we requested for mortgage assistance and were told we won't qualify until we are at least late for one payment. We postponed making a payment in XXXX and our application was accepted. We provided all the necessary documentation and eventually received an offer for a three months trial period of {$5800.00} per month without any explanation regarding how the payment amount was selected and what it covered. We also were reminded that if we don't accept and sign their offer, we would lose our house. They assured us that we shouldn't be concerned about the trial payment because everything is subject to negotiation after the three months trial is successfully completed. Because we didn't want to be late on our payment, we made the first trial payment without signing any agreement and requested for an explanation of payment modification calculation in writing. According to the worksheet they provided, the majority of their calculations is based on incorrect assumptions resulting in a loan offer that is unfair and unaffordable. According to their worksheet, our income was inflated by {$7200.00} a year, and all other indicators such as income-debt ratio, total debt, ratio of mortgage to total gross income, etc were incorrect. When we challenged it, we were told that we had to submit our request in writing. After we submitted a request in XX/XX/XXXX, we received a response in XX/XX/XXXX, that they can not change the modification since we had already made a payment. According to their letter, for them to review our request ( their mistake ) we have to submit in writing declining the proposed modification, and resubmit a new application, however, there are no guarantees that they would entertain our new application. My wife and I are both government employees and our income is straight forward and publicly available. However, Ocwen insisted that they are correct in their assessment and our income is more than what we claim it to be. Ironically, we received a notice from our credit reporting agency last week, that OCWEN ( Maybe in retaliation ) has reported that we are late 90 days on our loan, which dropped our credit score by more than 200 points. We were not aware that while we make the trial payment, we are considered as being delinquent on our original payment. Furthermore, we were specifically advised that we should not pay our property tax or home insurance since the trial payment is collecting for an escrow account. On XX/XX/XXXX we were notified by our insurance company that they are going to cancel our home insurance and Ocwen has refused to pay. We were also notified by the County that our taxes are not paid as was due by the end of XX/XX/XXXX and we were assessed a penalty. It seems the focus of OCWEN is not on helping their customers but showing the regulators how many applications, they have processed. It is always challenging just to reach out to them and when we do, often they either provide you with an incorrect answer ( seems deliberate ), or delay answering by asking to submit our concerns in writing. Based on a simple web search, it is evident that their track records are not favorable toward their customers. Thanks for your consideration of this complaint.
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| 11/12/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By letter dated XX/XX/XXXX, addressed and faxed to debt collector PHH Mortgage Corporation ( " PHH '' ) by and through third-party debt collector XXXX XXXX XXXX ( " Debt Collector RAS '' ) using the name of XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX ( " XXXX XXXX '' ), giving notice of errors and qualified written request pursuant to 12 U.S.C. 2605 ( e ) and 15 U.S.C. 1601 et seq., and demanding validation pursuant to 15 U.S.C. 1962 ( g ) ( See Exhibit A ) for the subject account because : ( 1 ) The XX/XX/XXXX monthly mortgage statement for the subject account from PHH states, in relevant part, that : You are currently due for the XX/XX/XXXX payment. Your last full payment was applied to the payment due XX/XX/XXXX. ( See Exhibit B ), and said statements constitutes continued errors in addition to false and deceptive statements by continuing to omit and conceal : ( i ) nine checks totaling {$15000.00} that were paid to and cashed by PHHs affiliate Litton Loan Servicing XXXX ( Litton ), starting with three equal installments of {$1900.00} each towards a trial modification under the Home Affordable Modification Program ( HAMP ) for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit C ), followed by six installments for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit D ), without any credit to the subject account ; and XXXX XXXX XXXX XXXX checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Litton without any legitimate reason or explanation ( See Exhibit E ).
( 2 ) The false statements and implications set forth within the aforementioned XX/XX/XXXX debt collection communication from PHH that the last payment made towards and / or applied to the subject account was for XX/XX/XXXX, are false because I did not make any payments for the months starting XX/XX/XXXX through XX/XX/XXXX upon following the instructions given to my late husband and I by Litton in order to qualify for a modification, and as Litton declared under penalty of perjury within its complaint filed on XX/XX/XXXX in the XXXX Court of New Jersey under Docket No. : XXXX ( the same day my husband died ) that a default under the subject account number occurred as of XX/XX/XXXX upon my failure to pay on XX/XX/XXXX ( See Exhibit F ) ; ( 3 ) PHH refuses to provide me with a monthly statement for XX/XX/XXXX as required by 12 CFR 1026.41 et seq.
( 4 ) PHH and Debt Collector XXXX continue to ignore my request to produce payments made for XX/XX/XXXX through XX/XX/XXXX as falsely stated and / or implied within the aforementioned XX/XX/XXXX debt collection communication.
Then, on XX/XX/XXXX, the same day PHH acknowledged receipt of the foregoing notice of error and qualified / debt validation made pursuant to federal laws ( See Exhibit A ) and requested until XX/XX/XXXX to response, PHH and Debt Collector XXXX using the name XXXX XX/XX/XXXXcaused an application for final judgment to be filed in the XXXX Court of New Jersey under Docket No. : XXXX without answering the foregoing request made pursuant to federal laws, and provided the following false / forged information in support a Certification and Schedule of Amount Due by XXXX XXXX ( " Mrs. XXXX '' ) of PHH ( See Exhibit G ) that omits and conceals : ( 1 ) {$15000.00} in payments in the form of nine checks that I paid to ( and were cashed by ) PHHs affiliate Litton starting XX/XX/XXXX through XX/XX/XXXX ( See Exhibits C and D ) ; ( 2 ) omitting and concealing {$5100.00} in payments in the form of three checks that I paid for the subject account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that were returned by Litton without any just and/or legitimate reasons ( See Exhibit E ) ; ( 3 ) declaring a default as of XX/XX/XXXX which contradicts the XX/XX/XXXX date declared for same account in Docket No. : XXXX that was commenced the same day my husband ( XXXX XXXX XXXX ) died on XX/XX/XXXX ( See Exhibit F ), which falsely implies that payments were made towards the subject account between XX/XX/XXXX through XX/XX/XXXX ; and ( 4 ) failing to provide evidence of the alleged payments from XX/XX/XXXX through XX/XX/XXXX.
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| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I am writing to complain that Ocwen, in spite of numerous complaints to both Ocwen and CFPB ; Ocwen continues to mishandle loan balances. 1. ) Ocwen misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to numerous CFPB complaints and complaints filed through Ocwens Ombudsman. Because of the mishandling of my mortgage account I was forced to file bankruptcy in XX/XX/XXXX to save my home. 2. ) Ocwen was listed in my Chapter XXXX bankruptcy plan as a priority claimant but did not file a proof of claim within 90 days of bankruptcy filing as required by bankruptcy court procedure. Even though Ocwen was a claimant in an active bankruptcy I started receiving letters from Ocwen informing me that my home was in a pre- foreclosure status even though Ocwen was listed as a priority claimant on my chapter XXXX plan. In addition to the pre- foreclosure notification letters I also received loss mitigation documents via email and mail from Ocwen offering a loan modification.
3. ) Ocwen is one of the largest Mortgage service providers in the United States and as such the mistakes and mismanagement of my account and non-compliance with Bankruptcy procedures should be not considered frivolous errors. As a result of the noted problems with Ocwen and their failure to file a proof of claim a sustainable payment plan and debt reorganization could not be managed properly through the bankruptcy court. I elected to have my current bankruptcy dismissed. A new Chapter XXXX plan was filed on XX/XX/XXXX . Ocwen is shown on the new chapter XXXX plan as a priority claimant. In an effort to prevent future noncompliance with Bankruptcy rules and procedures by Ocwen that could impact the new payment plan my legal team filed a proof of claim on Ocwens behalf. 4. ) Ocwens mismanagement of my mortgage account while in an active chapter XXXX bankruptcy has resulted in financial hardship. My new payment plan through the bankruptcy court of {$1600.00} per month is {$600.00} per month higher than my previous payment plan of {$1000.00} per month. 5. ) In a prior CFPB complaint Ocwen placed all subsequent payments for calendar year XX/XX/XXXX and XX/XX/XXXX i n a suspense account in the amount of {$8300.00} with no explanation. When the accounting adjustments were made by Ocwen the loan was not at that time in a delinquent status. No notification, explanation, or rationale for placing an entire year of mortgage payments in suspense was provided to the mortgagee, or the Bankruptcy Court prior to Ocwen making the accounting changes. Additionally the accounting changes made by Ocwen o n the for-noted dates resulted in an increased IRS tax burden for the mortgagee because mortgage interest payments to Ocwen f or 11 of 12 m onths in calendar year XX/XX/XXXX could not be included as a tax deduction on the IRS tax form XXXX . 6. ) Ocwen has demonstrated a practice of avoiding fileing a proof of claim as required in bankruptcy procedures, When legal offices representing the mortagee file proofs ' of claims on Ocwen 's behalf Ocwen objects, adds substantial fees to their claim, and tells the Judge that the reason it failed to file a timely proof of claim during the as required by bankruptcy court procedure was a frivilous mistake. 7. I can not verify the chain of custody of my original mortgage/note and the entity that owns it. I believe that I am a victim of XXXX mortgage and Note robo signing. Ocwen stated in a letter dated XX/XX/XXXX that XXXX owns my mortgage/note. I called XXXX on XX/XX/XXXX . XXXX , to date has been unable to verify that they own or an possession of my mortgage/note documents in my name. Ocwen provided me with a copy of a note in my name bundled with notes from at least XXXX other persons that I do not know from different areas of the United States.. These notes from unknown persons ' have their names, adresses shown on the notes. These notes can be view in my on-line account with Ocwen and is objective evidence of poor and unlawful record keeping by Ocwen.
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| 05/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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1. - My name is XXXX XXXX XXXX. I own the property subject of the complaint, and I am one of the defendants in the above-styled case. I make this affidavit of my free will and based on my personal knowledge of the facts herein stated.
2. The plaintiff can not prevail because can not show that as the date of filing of the complaint XX/XX/XXXX, it had the necessary standing to sue. Plaintiff Ocwen claims to act as a servicer for the owner of the instruments XXXXXXXX XXXX. However, records show that XXXX XXXX is the owner and XXXX XXXX XXXX services mortgage, letter dated XX/XX/XXXX, And Ocwen acting as a collector agency. Attached as exhibits A and A1, respectively 3. Plaintiff is relying on an assignment # 1 of mortgage, MEARS designate a XXXX XXXX to assign a XXXX XXXX assignment of mortgage, recorded on XX/XX/XXXX. Assignment manufactured at the office of XXXX XXXX and signed by XXXX XXXX. XXXX, at XXXX XXXX At XXXX. [ T ] he unexplained, undated endorsement to the Tirth party iscircumstantial evidence that Plaintiff may have not possessed the note at the time the suit was filed This assignment of mortgage is not accurate reflection of the transfer of note and mortgage to the plaintiff, especially when XXXX XXXX is stating in writing that XXXX XXXX XXXX is the servicer of the loan, see exhibit A. So, Plaintiff Ocwen who is relying on documents that may not be genuine and accurate. Please see letter from XXXX XXXX XXXX, dated XX/XX/XXXX, showing again evidence that XXXX XXXX XXXX is the provider of the loans documentation. Attached as exhibit B, dated XX/XX/XXXX, and assignment as exhibit C.
4. As a fact XXXX XXXX XXXX took over XXXX on XX/XX/XXXX. How MEARS as nominee for XXXX XXXX assignment # 2 of mortgage to Ocwen Loan Services on XX/XX/XXXX, and assignment was not recorded until XX/XX/XXXX, almost a year after filing of the complaint. Again, this assignment is null and invalid because MERS had already divested itself of any interest nominal and or pecuniary. Attached assignment as exhibit D.
5. Perhaps, a more coherent assignment, it should have been an assignment from XXXX to XXXX XXXX XXXX, since XXXX was taking over in XXXX, by XXXX XXXX XXXX.
6. As stated before XXXX XXXX XXXX took over XXXX on XX/XX/XXXX. How can XXXX XXXX XXXX continue signing assignments as the corrective assignment # 3 of mortgage to Ocwen Loan Homes and recorded on XX/XX/XXXX. Attached as exhibit E.
7. On XX/XX/XXXX, Certificate of Title sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for {$180000.00} and Certificate of sale vacated on XX/XX/XXXX and title and awarded to defendant XXXX XXXX XXXX. Perhaps, based on my personal understanding, this is an ethical issue ; since, XXXX XXXX already got paid zillions of dollars from XXXX XXXX XXXX for all those fraudulent loans given from XXXX and assignments manufacture by XXXX XXXX law firm, why XXXX XXXX expose itself to buy it. Attached as exhibit F and G, respectively.
8. Again another assignment # 4 Corporate Assignment, recorded on XX/XX/XXXX, where OCWEN assigns it to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. On my personal knowledge a Corporate Assignment perhaps is a maneuver by the plaintiff law firm to back out of an incorrect filing claim, where the wrong party in this case OCWEN who was named as the plaintiff as the outset of the action. Attached as exhibit H.
9. Again a complementary Assignment # 5 recorded on XX/XX/XXXX, where XXXX XXXX assigns it to XXXX XXXX XXXX as a trustee for RMAC, seeking foreclosure action and filed on XX/XX/XXXX. Now, XXXX XXXX XXXX substituted the wrong plaintiff OCWEN. Attached as exhibit I.
10. Certainly, any plaintiff in this case can not rely on a canceled note and mortgage to seek foreclosure of the property because the documents have been canceled, dated XX/XX/XXXX and the note attached to the complaint was never transferred to XXXX XXXX XXXX or MEERS. So, collateral rights over the property have terminated and the assignments void ad initio. See XXXX XXXX XXXX vs. XXXX, et al., XXXX, note is void ab initio, since the trust did not own the note Attached as exhibits J and K, respectively.
Thanks, XXXX XXXX
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| 08/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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RE : Loan # XXXX XXXX XXXX On XX/XX/XXXX I received a answer back from your Ocwen s account anaylist XXXX XXXX when i pointed out all the fraud that the company that he works with and represent. He defence was such : " we can not comment on actions taken by " that '' servicing company. '' So my question to the gentleman is : Before you foreclosure me. If you want to do things right don't you think you should check every paper that, that prior company placed in court so you don't commit the same fraud? Since your company said the investor is the one who does not want to modify my loan so after just 2 weeks ago I requested from your company the XXXX from my loan. Because I thought : _Oh ... well, you must have it already in hand if you are denying my loan on bases of the investor been the one who does not want it. As of today they send me a letter saying that they had send me what I requested but. guess what? I never got it. this is the letter that I have sent to you.
" Last week a received a call from your company. The represent told me that you guys where working on a in house loan modification and by last week you would give the the final figure and that every thing was ok and you just needed to give me final numbers.which i though it was very wise from you. Since my loan has so many fraud. You can not deny it.because again attorney general, etc, has send checks after checks apologizing for frauds you committed against me. Me and my family were happy with you decision that finally we would get our peace of mind back. we even went out to celebrate with our kids that blessing. But it is known the cruelty your company does with home owner! Sad to say today I got again some of your cruelty again because again today your representative came up with another story. They told me today that you can not modify my loan because there is too much interesse to pay. And also " the investor '' does not want that. Right now I'm challenging you to prove to me in court the investor has a say on it.
First you dont even know who is the owner of my note after so many selling of it on XXXX XXXX. Even the representative of investors in the XXXX XXXX says only the servicer can decide when to modify loans. you are The SERVICER. Also XXXX XXXX XXXX XXXX XXXX spokesman XXXX XXXX says its misinformation to say that investors make these decisions.it is very rare for the language iven to exist on the XXXX So you are the ones who does not think you are going to gain as much as if you sell my loan.Again the house is in rehab. Every thing is on hold right now referent to that. I was fixing Walls has damaged through the years. ( 11 year ) Kitchen i'm putting new cabinet, fixing floor etc. Im experrient on that. I will be suppressed for it condition if you can make XXXX on that. Therefore you will loose more money if you sell it.apart of putting more name of fraud under your companies name, because I'm reporting every thing you are doing in my loan .also more money to loose because I'm about to go back in court to fight again. I m not taking vantage of the situation and asking for a free house. I just want a fair modification.
I know you are doing the math and thinking you better off to selling it then work with me. But please don't test my intelligence. I know there is not investor in this. It is you who don't want to modify. You can say you were not taking care of my loan when all this happened but you can not close your eyes to some thing that is under y our authority at this present time. And if you sell my house you will be co participating with the fraud committed against me If you look at my loan. I'm part of the who had the XXXX sign fraud. Assignment of mortgage, the note, if you look at court paper shows lawyer XXXX saying. The note is lost " look at court papers please ''. Now the note is there. Is that the real one? Can i ask for a forensic of the note? Would you allow me? Lets set a place, perhaps court.Just to make sure you are been fair with me. Sense you say there is nothing wrong with my loan.
Dont close your eyes. DO RIGHT, GIVE ME A IN HOUSE MODIFICATION Please i would like you to answer back my letter.
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| 11/25/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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This letter is meant to describe our story dealing with Ocwen after suffering some severe hardships. Between XX/XX/XXXX through XX/XX/XXXX we were constantly sending Ocwen documents, receiving phone calls at a ridiculous rate which went nowhere, and were genuinely worried about losing our home. On XX/XX/XXXX we sent Ocwen a packet called a RMA Workout which began a year and a half of dubious activity from Ocwen, ultimately leading to them foreclosing on our home and leading my wife and I to bankruptcy protection.
Below is a timeline that lead to our decision to file bankruptcy ; On XX/XX/XXXX, after communicating with Ocwen since around XX/XX/XXXX about our severe financial problems ( my wife had to leave here job due to medical issues, I had a business that failed to even start due in part my service related injuries and my wifes medical issues ) Ocwen advised us to complete a RMA Workout form, assuring us we met the qualifications for a modification on our home loan to bring us up to date so we could remain making payments. We could no longer make a payment unless it was the entire past due amount which grew month by month for a year and a half until it ballooned up to over {$10000.00}. We were assigned a manager for our case, however we constantly called and harassed by Ocwen call centers in other countries, and our case manager was switched at least twice.
Despite being led by our case manager to believe we had submitted all required paperwork, on XX/XX/XXXX, at the request of Ocwen we were told to submit our bank statements and my letter of VA XXXX benefits, which we did. We were told we were now up to date on our paperwork.
On XX/XX/XXXX we were told we needed to send in two more bank statements and that section 10 of our RMA Packet was incorrect, so we sent three more documents.
From XX/XX/XXXX to XX/XX/XXXX we were in touch with our Ocwen relationship manager around 13 times, each time were either told our paperwork was being reviewed, we had re-sign documents, our paperwork was incomplete, or that due to the time between sending the paperwork and Ocwen reviewing the documents the documents needed to be resent.
Despite staying in touch with Ocwen and sending any and all documents as quickly as possible, our house was scheduled to be sold after Ocwen began foreclosure proceedings, despite being assured by our relationship manager that Ocwen would not foreclose on our home. We found out our home was being foreclosed on by keeping up with the online website of houses being foreclosed on. Our only choice was to file for bankruptcy protection, which we did, saving our house from being foreclosed on by the Friday before our house went to auction the following Monday. Had I waited around for whatever notice sent to us about the house being foreclosed on, I do not believe we would have saved the house.
I not only stayed in touch with Ocwen during the nightmarish year and a half, I was also in touch with my VA councilor who specialized in this process. He told me Ocwen wasnt updating him or working with him. He assured me I was doing all the right things and to expect Ocwen to come up with a modification plan for mortgage. This never came.
Looking back, I had no way to understand the loan modification process. I am a XXXX veteran being re-trained by attending a university. My wife, a XX/XX/XXXX too, and I trusted Ocwen to work with us after the empty reassurance we received from our many relationship managers Ocwen assigned us.
My story has more, of course. I wrote this on behalf of not only my wife and I, but for the hundreds, if not thousands of victims of this dishonest, deceitful, and unscrupulous company and its criminal behavior towards its own customers. I have no idea why my loan was sold to Ocwen. Neither my wife nor I signed any paperwork to have them service our mortgage. Nor do we fully understand why they would be involved in our loan modification if they were not a real bank. We send this in hopes it helps your organization fight Ocwen in court. We would love to have our story told in court, and wish you the best of luck in fighting Ocwen. Thank you for your time.
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| 07/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/XXXX, PHH Mortgage Services Foreclosed on our home. Under State of Wisconsin Law, the sale in a foreclosure is not finalized for I believe 5 or 7 days after the sale. We filed XXXX XXXX Bankruptcy through XXXX XXXX XXXX XXXX in XXXX Wisconsin on XX/XX/XXXX. On XX/XX/XXXX a letter from Atty XXXX XXXX, re : filing of XXXX XXXX Bankruptcy by defendants & request the court not sign the proposed Order Confirming Sale was filed.
The court never signed the Order Confirming Sale.
Since then, we have discovered that the Mortgage Co is claiming REO status of the property.
This discovery came about because in the months of XXXX and XX/XX/XXXX, when a third-party Company was sending people to our home and property to verify occupancy. At times one of those such people even tried to force entry into our home while my wife was refusing entry, resulting in a XXXX call being made to our local XXXX Police Department . During that time frame, several other emergency and non-emergency calls were made to the Police Department in relations to these inspectors being spotted on or near our property. Video evidence and copies of these complaints were sent to the Mortgage Co attorneys, and for the most part we believe they have stopped. It was at that time the REO status was discovered.
Since then, we have had our attorneys make several attempts to have the REO status corrected.
Our attorneys have also reached out to their attorneys regarding our request to have a hardcopy, written monthly mortgage statement mailed to our house to no avail. It got to the point that we contacted the State of Wisconsin Banking Commissioners office regarding their refusal to send the statements. They did eventually send statements but only for 4 months ( XX/XX/XXXX - XX/XX/XXXX ). Since then, we have not received any more statements. Also, if we go to their website, those are the only statements available to be viewed. They are not producing any statements even on-line.
They also according to their website, they have not provided any form 1098 tax forms since XX/XX/XXXX. So that means they aren't providing us with any 1098 forms for 2 years. I believe this is a violation of Federal IRS Tax Laws.
Not only our attorney, but we have also reached out several times ( both online and via phone calls ) requesting this information. Every time we personally reach out, we are told they aren't required to provide the requested information because of the REO status. They never responded to any of our emails. The only time we received answers have been when we have called in.
In XXXX we applied for a program called Wisconsin Help for Homeowners. This program is a State of Wisconsin program that was designed to help homeowners get caught up in behind mortgage payments as part of a program created by the Federal Government as part of Covid 19 relief. This program would provide a grant for up to {$40000.00} sent directly to mortgage companies.
Our application was picked up by an organization called XXXX and assigned to a lady named XXXX XXXX. Her contact info is listed below : XXXX XXXX XXXX XXXX cell : XXXX office : XXXX XXXX Over several months XXXX reached out to PHH requesting information to process our application. She has been met with nothing but stonewalling by PHH. At one point they requested a letter from our Bankruptcy Court granting them permission to proceed with working with her. Both XXXX and our attorney provided the requested letter for them. They keep claiming the REO status as reason not to work with the program.
The mortgage company has been provided with a copy of the current deed to the property as given by the XXXX XXXX Government. They have also been provided with a copy of a Warranty Deed Search that was performed by XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX, proving they do not own the property.
They have ignored us, our attorneys, and XXXX XXXX on SEVERAL occasions and seem to not even be trying to cooperate with any of us.
Also, our credit reports falsely show our mortgage as being paid off, causing inaccurate credit scores. We would like this to be corrected for both my wife and I.
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| 08/29/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Ocwen transferred what they say a mortgage to PHH mortgage. I disputed Ocwen as the lender of the home. Ocwen presented XXXX XXXX XXXX, Ocwen filed a false proof of claim as XXXX Bank as the owner of an asst XXXX trust. Ocwen claimed it was transfered to them given Ocwen the loan to my home. Ocwen was sued in XX/XX/XXXX by 49 attorney generals, Ocwen was sued in XX/XX/XXXX by 49 attorney generals. Ocwen attoney XXXX XXXX stood before a Judge in District Court and received a XXXX as Ocwen could not prove the lender of the home. Ocwen and XXXX Bank lied to the bank ruptcy court as they were part of a XX/XX/XXXX Making home affordable loan. Ocwen has committed fraud by transferring the loan, Ocwen commited fraud by stating they are the lender of the home.
The FDIC XX/XX/XXXX took the loan from XXXX as they became insolvent and gave the loan to XXXX bank. XXXX XXXX bank and i modified the loan in XX/XX/XXXX under the making Home affordable plan. Ocwen lied and said that XXXX Bank was the lender.
The XXXX Circuit Court opinion stated that XXXX Bank is an unsecure creditor and they were not able to retain the loans as they did not have the funds. The loans was sold to XXXX bank. XXXX XXXX created an unemployment agreement with me in XX/XX/XXXX. The last payment was XX/XX/XXXX care of XXXX bank via Ocwen.
I sent a certified letter to Ocwen, PHH and FDIC. Requesting who owened this loan. As I did not know that XXXX sold my loan. XXXX and XXXX Bank was sued for HUD Fraud. My home was sold to me via XXXX XXXX in XX/XX/XXXX in the bill of sale it stated HUD settlement which mean funds was recevied via XXXX XXXX under hud. XXXX found a buyer XXXX and sold the loan. XXXX did not do a transfer of assignment in XX/XX/XXXX when they sold the loan. XXXX Bank purchased XXXX in XX/XX/XXXX7. XXXX bank purchased XXXX Bank loans from the FDIC. As XXXX and XXXX Bank was sued for hud fraud, false claim act etc. FDIC took the loans from XXXX Bank an sold them to XXXX bank in XX/XX/XXXX. The security and Exchange Comissions shows a new loan date at XX/XX/XXXX and closing XX/XX/XXXX this was not done correctly according to the FIDC plan. Doing this process I was never notified of all the issues. XXXX became Insolvent in XX/XX/XXXXand the loans were taken and given to XXXX bank who did not create an assignment. Ocwen took over the loans XX/XX/XXXX and created assignments in real property using XXXX in XX/XX/XXXX the same time as the FDIC sold the loans to XXXX bank. FDIC does not create Assignments.
Ocwen some how received the loans in XX/XX/XXXX Ocwen is a debt collector who violated debt collector laws and do to their own negelet stalling to write the loan, creating missing documents, sending the modificaiton after the first payment due date is why no modificaiton was done with Ocwen. Ocwen never created a contract or consideration between the two of us. Ocwen changed their name to PHH mortgage sent a blue slip XX/XX/XXXX stating they were in the process of transfering the loan to PHH mortgage. Ocwen once again violated the law and Real Estate real estate settlement procedures Act. False Claim Act, Debt Collection Act, Federal Trade Act. As we can see the loan was a fraud from the start. Ocwen some how has gotten a copy of my adjustable rate note, which is now fraud as it was under Hud fraud making the entire contract void.
Mortgage Financial Fraud is Illegal PHH MORTGAGE IS OCWEN and committing fraud PHH never sent a welcome Letter according to RESPA laws. I request all items be sent certified mail.
PHH sent a letter after I requested a full distribution of the the loan. They realize no welcome letter was sent via RESPA. They sent a correction letter stating the amount of the loan was not correct in the welcome letter I never recevied anyway.
I recevied a blue slip that Ocwen was in process of transfering the loan to PHH Mortgage and would still be around to asst in the transfer. I did not get a letter or the date when this transfer would take place a violation of RESPA laws. They also violated bankrupcy laws by sending communication to me while in a active bankruptcy. STOP THE HARASSMENT!!!
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| 06/14/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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Mortgage Lender Ocwen Home Servicing LLC has made unreasonable demands and repeatedly provided false and conflicting inconsistent information with unreasonable difficulties. I am very dedicated determined and consistent in submitting my documents ( close to 100 pages of documentation ). My modification process started by submitting the Ocwen requested documents dated XX/XX/XXXX- * XX/XX/XXXX all requested documents have been emailed to XXXX which included : -The most recent bank statements from XX/XX/XXXX for XXXX and XXXX XXXX -Social security award letters for XXXX and XXXX XXXX -Two Forms XXXX for XXXX and XXXX XXXX -XXXX form XXXX XXXX XXXX and XXXX XXXX -Section7 -Explanation letter regarding the XXXX XXXX income. * XX/XX/XXXX, called Ocwen XXXX XXXX and talked with representative # XXXX, representative confirmed satisfactory receipt of ALL the needed documents submitted via email additionally I was informed there was no " update '' available. * XX/XX/XXXX Representative # XXXX was not able to inform me if there is any additional info required and said no " update '' available. * XX/XX/XXXX Ocwen called - Representative # XXXX ( relationship manager ) - Still no information or underwriter " update '' or further requirements. Advised to check in on XX/XX/XXXX ( which I did ). *XX/XX/XXXX talked with XXXX XXXX. Update available. Mentioned 2 bank statements missing. The most recent bank statement requested with proof of SS income. One statement ( which was available was submitted immediately, the second statement was not unavailable until XX/XX/XXXX - which was submitted as soon as available- along with " NEW '' supporting documents mentioned by Ocwen on XX/XX/XXXX - even though apparently Ocwen had a deadline of XX/XX/XXXX *XX/XX/XXXX talked to XXXX who requested Award Letter of Retirement benefits from XXXX. Nobody before has requested that EVER PRIOR to that day with many opportunities and conversations. He also said that its too late to submit those documents as the deadline was on XXXXXX/XX/XXXX ( although no one has notified me even though I checked in by phone every few of days ). Today XXXX mentioned this update WAS available XX/XX/XXXX NO ONE HAS IN ANY WAY INFORMED ME of the need of Retirement Benefits prior to XX/XX/XXXX even though I checked in via phone and email consistently I also have all the notations with dates and times corresponding to this matter. XXXX said " It was a mistake on their part - that someone made an oversight BUT modification is not an option because its " too late '' ( I still submitted it to Ocwen as soon as I knew on same day XX/XX/XXXX ). *XX/XX/XXXX XXXX XXXX representative # XXXX informed that the sale of my home is pending for XX/XX/XXXX XXXX XXXX representative # XXXX mentioned XXXXne more missing document ( unbeknownst to me ) XXXX. Form was submitted immediately. XXXX XXXX representative # XXXX conversation lasted 1:12 hours, missing bank statements and form XXXX ( even though these were submitted ). She mentioned to call back and ask for a supervisor and ask the supervisor for hold on the sale of the home. XXXX XXXX representative # XXXX, I asked for a supervisor- supervisor number # XXXX took the call, I asked him to put the case ( sale ) on hold while its in the underwriting department. He still refused and insisted that there were missing documents ( even though all were submitted and must be in the system ). Every time I was in contact with Ocwen different person was on the phone with a very different set of always conflicting information. No one is able to explain that while the 14 days lapsed why no one from Ocwen mentioned the additional documents in a timely matter. Ocwen states they update their cases every 24- 48 hours. Which in my case that has never happened. All Ocwen Representatives were conflicting confusing they convoluted facts there was absolutely no clarity provided to allow me to properly submit the proper documentation in the timely matter, as they failed to disclose pertinent information. All the documents I found out Ocwen wanted were submitted immediately if available or as soon I had access.
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| 03/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Suspense Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Principal Payment {$20.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Principal Payment {$20.00} XX/XX/XXXX XX/XX/XXXX Payment {$730.00} XX/XX/XXXX XX/XX/XXXX Deferred Principal adjustment - REV ( {$110000.00} ) XX/XX/XXXX XX/XX/XXXX Deferred Principal adjustment {$110000.00} XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$750.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$720.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$720.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$920.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV {$1200.00} XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1000.00} ) XX/XX/XXXX XX/XX/XXXX Suspense Payment - REV ( {$770.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$280.00} ) XX/XX/XXXX XX/XX/XXXX Payment - REV ( {$1100.00} ) XX/XX/XXXX XX/XX/XXXX Suspense Payment - REV ( {$1100.00} ) XX/XX/XXXX XX/XX/XXXX Suspense Payment - REV ( {$1100.00} ) XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$750.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Payment {$720.00} XX/XX/XXXX XX/XX/XXXX Deferred Principal adjustment {$58000.00} My XX/XX/XXXX was placed in escrow. According to XXXX, ID # XXXX, the payment was increased for XXXX to {$930.00} from {$750.00}. This is an increase of {$180.00}. There has not been an increase in my taxes or insurance. Ocwen has been paying my taxes late. As a result, late fees and interest was charged. Since Ocwen is negligent, I should not have been charged for these payments. If I was paying my own taxes and insurance, I would not be charged for these. Therefore, Ocwen should be paying for the late fees and interest and not forward these to me.
Ocwen accessed my taxes on XX/XX/XXXX for {$790.00}, however, the XXXX of XXXX, NJ charged me {$720.00} on XX/XX/XXXX. Ocwen escrow for XXXX for {$4600.00} ( when my actual charges are {$4400.00} ) showed that I was accessed Principal- {$160.00} ; Interest- {$240.00} ; Escrow {$430.00} for a total of {$840.00}. My actual charges for insurance is {$1400.00} & taxes- $ XXXXX4= {$2900.00}. There has not been an increase in my taxes or insurance. As such, Ocwen has OVERCHARGED ME {$220.00}!!!
XXXX, Escalation Mgr. ID # XXXX, told me I could close the escrow account by writing to them, since they were not paying my taxes and insurance in a timely manner. The address provided was XXXX XXXX. Ocwen Loan Servicing LLC attn XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX It should be noted that I have a fixed mortgage. Original Principal Balance {$310000.00} Current Principal Balance {$59000.00} Loan TypeFixed Rate Interest Rate ( % ) 4.875 Escrow Balance {$870.00} Length of the Loan ( Months ) 361 Origination Date XX/XX/XXXX Maturity Date XXXX/XXXX/XXXX
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| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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OCWEN XXXX SERVICING, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their malicious, deceitful/deceptive, fraudulent business operations ( See attached Exhibit D, http : XXXX and https : XXXX ) which includes, but is not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, XXXX 's products and services. How many bank account digits does OCWEN LOAN SERVICING, XXXX 's payment system REQUIRE to generate a payment confirmation? For example, can a consumer entered just XXXX bank account digits into OCWEN LOAN SERVICING, XXXX 's payment system and get a payment confirmation? There is NO civilian/citizen/consumer misunderstanding. Timestamped consumer bank records are available upon request to justify XXXX funds were available to pay ALL payment incidents in XXXX XXXX. For the record, OCWEN LOAN SERVICING, XXXX 's WEBMASTER ( XXXX XXXX XXXX show a login on XXXX XXXX, XXXX, but it now appears that OCWEN XXXX SERVICING, XXXX 's WEBMASTER ( XXXX ) created an instance/tampered with consumer records to CYA. Let me be CRYSTAL clear : I DID NOT login and cancel my XXXX XXXX, XXXX payment just to replace the payment again on XXXX XXXX, XXXX. I had to resubmit a payment on XXXX XXXX, XXXX due to OCWEN XXXX SERVICING, LLC FAILING TO PROCESS/WITHDRAW and APPLY MY PAYMENT CORRECTLY TO MY ACCOUNT on XXXX XXXX, XXXX. FUNDS WERE N'T RECEIVED BY OCWEN XXXX SERVICING, XXXX because OCWEN XXXX SERVICING, XXXX FAILED TO PROCESS/WITHDRAW and APPLY MY PAYMENTS CORRECTLY TO MY ACCOUNT. My incident is XXXX of many that have been cited as suspicious and malicious acts of fraud, collusion and corruption with other organizations affiliated/associated with/does business with OCWEN LOAN SERVICING, XXXX. Again, there 's class action litigation http : XXXX regarding OCWEN LOAN SERVICING, XXXX 's operations, XXXX include, but XXXX not limited to, malicious operations with OCWEN LOAN SERVICING, XXXX 's accounting practices XXXX
XXXX XXXX ) I DID NOT and I NEVER cancelled my mortgage payment on XXXX XXXX, XXXX XXXX see attached files - Exhibit A as well as Exhibit XXXX which are Ocwen sourced Payment Receipts and Confirmation electronic records ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( XXXX ) failed to properly process and apply my XXXX XXXX, XXXX payment to my account and kicked it out of their system ( XXXX malicious incident in XXXX XXXX XXXX. I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XXXX XXXX XXXX XXXX See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC XXXX XXXX XXXX, XXXX. ( XXXX ) On XXXX XXXX, XXXX, OCWEN LOAN SERVICING, XXXX failed to process/apply my XXXX XXXX payment AGAIN on XXXX XXXX, XXXX XXXX See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit C ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( XXXX ) failed to process and apply my XXXX XXXX, payment/kicked it out of their system AGAIN ( XXXX malicious incident in XXXX XXXX XXXX. XXXX XXXX ) OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached consumer credit report document/file labeled Exhibit XXXX ). XXXX XXXX ) OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XXXX XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, XXXX XXXX XXXX department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC XXXX OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
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| 04/07/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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The purpose of this letter dated XXXX/XXXX/XXXX, was to appeal to the PHH Research Dept., of PHH Mortgage Service, XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX Research Dept to exclude the Deferred Principal Balance of {$360000.00} in the final payout.
In XXXX I was approved for a Mortgage Modification with the Shared Appreciation Modification ( SAM ). At that time the company was owned by OCWEN. However, having followed the guidelines and restrictions dictated by the SAM program, I was able to pay my mortgage without interruption or problems until XXXX, when I had 2 major setbacks ; my mom who I provided care became terminally ill and expired XX/XX/XXXX and in XX/XX/XXXX, my job where I was gainfully employed for approximately 10 years, was outsourced to an overseas company in XXXX.
As a result of such major setbacks, I was unable to pay my mortgage. I discussed my situation with Ocwen explaining the hardship and interruption in my ability to make payments while I searched for new employment as well as withdraw money from my annuity which was 2 months away from maturing. Fortunately I later found a job and entered into agreement with Ocwen to pay {$61000.00} ; the quote and composite breakdown for the total amount due to reinstate the loan. After reading the breakdown of the total amount required to reinstate the loan, I was motivated to meet ALL of the terms and conditions detailed in the Mortgage Reinstatement Document because I was assured from that document and by the Ocwen representative that the mortgage will be back as to the original agreement and as specified in the Mortgage Reinstatement document. At no point during the discussion with the Ocwen representative nor in the final breakdown of the total amount required to reinstate the loan it was ever stated in the Mortgage Reinstatement document that going forward with this loan the Deferred Principle Balance will be excluded from the final payout once all money was paid and loan was reinstated. Had that been clearly communicated to me at or before reinstatement I would have chosen an alternate solution. Please see Reinstatement Document.
I used all my savings and previous investments to save my house after being misled deliberately or fraudulently by OCWEN who owned the mortgage at that time. The exclusion of the Deferred Principal Balance of {$360000.00} from the final payout was a devastating lost and a major setback since I used all my savings and previous investments to save my house believing that in so doing the equity would allow me to retire with some measure of comfort..
Note that ever since the loan has been reinstated in XXXX, my payments have been in great standings like it were before my hardship. With the reinstatement agreement PHH was able to recover every dollar amount during the time I was out of work. However, even though I met the financial and payment obligations outlined in the Reinstatement document, I was punished by having the Deferred Principal Balance of {$360000.00} excluded from the final payout I tried to settle this matter with PHH without any legal mediation.
OCWEN/PHH fraudently misled me to choose the path of reinstatement knowing that there were really no future financial benefit to me to reinstate the loan since I would not be able to recover the Deferred Principal Balance of {$360000.00}. Had that been clearly communicated to me I would not have taken the risk to withdraw the sum of {$61000.00} from my Annuity to save my house believing that the equity would allow me to retire with some measure of comfort as oppose to selling the house in a short sale. Having fulfilled my part of the contractual obligation to pay {$61000.00} in reinstatement due, which I used from Aunuity for my retirement, PHH should adhere to their end of the agreement as well. I feel misled and betrayed because it would have better served my future interest to choose the alternative which was to save a total of {$190000.00} in mortgage payments plus interest accrued from XX/XX/XXXX thru present ; only now to understand that I have lost the remaining Deferred Principle balance.
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| 01/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Complaint is against : PHH Mortgage XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Complaint 1 : Failure to comply with their Fiduciary responsibility and pay Property Taxes in a timely manner ( XXXX XXXX ) from the existing Escrow account, exposing customer to higher taxes by no fault of the property owner or the amount in the escrow account..
Complaint 2 : Tax Department failed to comply with their responsibilities both Fiduciary and Corporate by refusing to communicate with its customers on their failure to pay taxes out of Escrow account when due.
My mortgage was sold by PHH Mortgage in XXXX to XXXX but it is still being serviced by PHH, Loan No. XXXX. They have had the tax bill for the property since XXXXt.Bill due in XXXX, they did not pay it, even though its a Mortgage they have serviced since its inception in XXXX. I have been asking them since XXXX why they have not paid the bill. Customer service is in the XXXX, they had no information every time I called. They say they must contact the tax department, that is still in NJ. The PHH Tax Dept will not take calls or emails from customers. They did not respond to me or to the customer service teams in XXXX when I was made aware that they had not paid the taxes and contacted customer service. I have received no communication from PHH, PHH Tax Department or XXXX related to the escrow account or the tax bill.
Yesterday a supervisor found a note that the tax department put a do not pay-hold on the tax bill in XXXX, no one ever informed me of this before. They show by their actions total disregard for their customers. Right now, its over {$100.00} more in taxes that I have to pay by having missed the XXXX payment and the amount increases every month until delinquency in XXXX. I have a Mortgage Refinance closing date of XX/XX/XXXX. I am afraid I will pay the tax bill at the closing and they will pay it as part of closing out the loan after the XXXX. Or worst they will hold on to the escrow balance and it will be a long drawn fight to get the escrow funds to me. This is the outcome I fear from all of their actions on this matter. The present balance in the escrow account is more than the tax bill, so that does not justify their actions, and as I have already mentioned they have not sent one piece of communication related to the escrow balance or the tax bill. If its not clear my complaint is : this company is not responsive to its customers, it has not moved at all on the request for an answer, its customer service reps and supervisors are nothing more than a delay tactic, for the company. They do not have the interest of their customers at heart. They are so unresponsive to its customer 's that they refuse to let me talk to the Tax Department in NJ who has the responsibility to pay the bill and is who ( I finally now know ) put the stop payment request or direction on the account or the bill. The PHH Tax Department and by association all of PHH has no respect for its customers, if it does not have the common courtesy to communicate with its customer 's over their actions.
Complaint Actions 1-Given how negligent they have been in their fiduciary duties with the escrow account, penalize them whatever is appropriate by NJ and Federal laws and statutes and investigate if this is now a common practice to use their customer 's escrow funds for other money making ventures. Or to have customers pay more fees along with the higher tax bills by paying late. 2-Given the timing of the refinance closing I don't want them to pay the taxes unless its this week, XX/XX/XXXX, with assurances and details of the transfer/payment. 3-Contact the PHH Tax Department in XXXX XXXX, NJ that will not take my call or communicate with me and have them send me via wire/money transfer the amount in Escrow immediately, as I don't trust that they will follow through on point no. 2. 4-Pay me the difference between the tax bill of XXXX {$3500.00} and the tax bill of XXXX {$3600.00}, from their funds, its their inaction that leads to the higher payment, that should not come out of my pocket.. Tax bill is attached in the complaint filing.
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| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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XX/XX/2022 XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX, I am humbly requesting an appeal to the decision to repost our home to the foreclosure list scheduled for XX/XX/2022. The entire process that we entered has been disastrous, absolutely everything concerning the request for a loan modification has been inconsistent and misleading. Starting at the beginning XXXX helped me sign up for access to the XXXX XXXX XXXX so that I could submit and receive information quickly.
Access to the XXXX XXXX XXXX was revoked Our initial request for a loan modification was denied We never received the denial letter On XX/XX/2022 a customer service person email me a copy of the denial letter I quickly researched what options I could find that PHH Mortgage Services offered as well as what options XXXX offered.
I requested an appeal I was told that during the appeal process our home would not be subjected to foreclosure We received a notice of foreclosure on XX/XX/2022, dated XX/XX/2022, authored by XXXX, XXXX, XXXX XXXX XXXX XXXX.
Our trial period plan dated XX/XX/2022, was received it on XX/XX/2022 due XX/XX/2022 There was no supporting information sent with the trail loan modification XX/XX/2022 payment {$8700.00} XX/XX/2022 payment {$8700.00} XX/XX/2022 payment {$8700.00} Other Available Options to foreclosure was offered Short Sale & Deed -in-Lieu We have been immediately placed into foreclosure ( XX/XX/2022 ) On the completion of the trail period what will be our monthly payment?
How long will the remaining term run?
How much is the total balance owed?
Can the trial period plan start day be adjusted we received it on XX/XX/2022 with a foreclosure notice in our possession?
The questions above which we submitted with no response Twelve days before the first payment was due, we received approval of a loan modification, with absolutely no explanation of any kind, in terms of how the payment was derived or what would be the terms afterwards.
We requested details of how the trial modification was tabulated. We were told that would be provide by our escalation manager. We scheduled an appointment, which was XX/XX/2022. XXXX XXXX was not the person conducting the appointment, the manager was not able to provide what we requested. The person that conducted the appointment said she would request the information and I would be able to call in five days and receive the information. We were told that customer service would be able to email me the information rather than waiting 10 days for it to be mailed.
We call back five days later there no information provided, we were told the request was made again and in five days we would receive an email, we have not.
Our last attempt to receive the information was on XX/XX/2022 spending over an hour on the phone, we were promised to receive the information by email, we have not.
Today is XX/XX/2022 we have not received the requested information.
We received a letter from PHH dated XX/XX/XXXX. 2022 stating that The Request for Mortgage Assistance was Received and complete as of XX/XX/XXXX. 2022.
On XX/XX/2022 dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. reposted our property for foreclosure XX/XX/2022.
In closing, the information we ask for seems like it would have been the same information needed to create a trial modification. Understanding our payment after the trial period would be critical to know. As I stated initially, this process has been inconsistent with irregularities to say the least. We scheduled several appointments with our Escalations Manager to no avail and her replacements for the appointments had little or no information to provide and even less resources.
It appears that the entire balance is being charged with no concessions, nor did we request any. We think it is only fair to know what is in the contract. We should have an opportunity to consider everything and sign on knowing what our commitment will be.
Genuinely, XXXX & XXXX XXXX
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| 08/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Every single day I have to spend hours of my time trying to circumnavigate these hackers who PHH Mortgage Services hired to purposely put me in a hole and hold me there so that I don't report the fraud scheme they are committing on all of America, no matter what type of home loan you have, by staging defaults to a homeowner 's home loan so that they can back out and reverse all payments and entries at the 10 year mark, where they illegally foreclose and sell the homeowner 's home at auction for exactly the same price as purchased by the homeowner when they 1st obtained their mortgage. The purchaser is none other than themselves who turn around and sell the home back into an overinflated market that their very own fraud helped to create.
I purchased my home in XX/XX/XXXX for {$130000.00}. 10 years later in XX/XX/XXXX is when PHH Mortgage Services started committing fraud to stage a default to my home loan where 14 months later from XX/XX/XXXX, my house was sold for exactly the same amount as purchased, {$130000.00}, on XX/XX/XXXX. Had I not pulled an incredible feat and made so much noise the day before the auction when I called in all day refusing to get off the phone making everyone aware of the " mistake '' they were making the day, it may have not been noticed by to many people or by the right person where they had no choice but to put my mortgage back at the time where rightfully belongs, in my hands.
You can hide behind plausible deniability all you want, but the mortgage statements you have on file are 100 % fraudulent and I can easily prove it. Your statements do not show the truth, that I had 3 illegal foreclosures, complete with 3 notice of sales all of which were filed in court with 3 auction dates where you illegally tried to auction off my home. The fact that these 3 foreclosures were disposed when my lawyer couldn't even reach me due to your hackers purposely hindering my communication where I could not reach him at all only shows the lengths you will go through to cover up your fraud.
I would show the evidence but your hackers are once again purposely remoting into my laptop where they disabled my usb drive so I cant transfer from my laptop to my thumb nail drive so I can upload and report on a public computer. They are attached to my laptop with some device called charge 2 and will not let me disable or get that device off me. This is a violation of my civil rights keeping me from reporting fraud, obtaining legal representation and even keeping me from obtaining work that would bring in much needed funds to get me out of this hole your fraudulent organization has me in so that I don't report your fraud and be able to pay my mortgage.
I already reported this to the attorney general. You are not treating any other homeowner in this way which makes this discrimination! You messed up when funneling me into your fraud scheme and it blew up in your face leaving evidence everywhere and because of uyour mess up, I'm the one that has to pay with every aspect of my life that you ruined to try and hide your fraud.
I will not stop from coming forward and reporting every bit of the fraud you are committing on the American public staging defaults, illegally foreclosing on homeowner 's homes just so you can turn around and turn it into a revenue source! You are purposel6y hindering my communication and making it so I can't even communicate online with anyone about this fraud. I have XXXX and the fact you tie me up every single day having to reset passwords and then reset them again from different computers just to get around these hackers you purposely put on me is discrimination! I need to be out working! Not having to put up with this every single day of my life since you committed this fraud on me back in XX/XX/XXXX!
Get your hackers off me! Get them from out my laptop and phones! They have no right to remote in and keep me from reporting fraud! This is discrimination! Quit using plausible deniability and have someone from the department commiting this fraud answer these complaints so that something is finally done!
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| 10/24/2022 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
Older American, Servicemember |
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This is the second complaint which I am filing against PHH Mortgage Services reverse mortgage debt collector. The first is CFPB case number : XXXX. I have communicated with various customer service representatives after the passing of my father on XX/XX/XXXX. As difficult as it was to speak with a different representative every time I called, I thought that I was following the correct steps to repay the loan. I completed the paperwork as the executor of his estate declaring that the home would be sold to pay the reverse mortgage loan. I requested more detailed information on how the loan payoff amount was calculated as well as line of credit distributions that were paid to my father. I received this information after filing the first complaint.
I have a different issue which is very problematic. The home was sold by auction on XX/XX/XXXX. The buyer and closing attorney set a date of XX/XX/XXXX for the closing. This could not be carried out because the mortgage company has a title XXXX on the home and will not release it. I was given the name of XXXX XXXX as my point of contact as I requested a short sale approval for the sale of the property. The selling price of the home was less than the loan payout that is due. I can only communicate with XXXX XXXX by email. This is very difficult when I have specific questions to ask. He does not have a direct extension to receive calls. XXXX XXXX advised me that an appraisal would have to be done on the property. The mortgage company would designate an XXXX.
The first appraisal was completed on XX/XX/XXXX. My sister was on site with the XXXX who thoroughly inspected the interior and exterior of the home. He stated that he would submit this information to the mortgage company. The following week I began to receive random emails from another inspector asking for access to my father 's home for inspection. I thought it was spam since this process had already been completed. After receiving a few more emails I contacted XXXX XXXX to see if he had authorized another home inspection. He said that he had due to the first inspector having technical difficulties. The second appraisal/inspection was completed on XX/XX/XXXX with my brother present on site. The XXXX took a few pictures of the interior of the home and left. When asked for an update on the short sale approval status, XXXX XXXX stated that the appraisal information had been uploaded in their system and it is now being reviewed by an underwriter.
I received a call from XXXX at PHH Mortgage Services stating that my father 's home was in foreclosure and she wanted to know when the loan would be repaid. I advised her of what the current status is in terms of the home being sold and I am waiting for approval to proceed with the closing. She reviewed notes on the account and stated there was no information indicating that a sale was in progress. I gave her XXXX XXXX 's name and suggest she contact him so that she can verify what the current status. There are no words to explain how frustrated and exhausted I am in trying to resolve this situation. I have spent countless hours reading my father 's contract documents as well as researching reverse mortgage guidelines. If I had been assigned one point of contact who could provide me with detailed information and guide me through the process, it would not have been necessary to take the extra time. This process has weighed heavily on me emotionally because I am still working a full time job and trying to handle this business in my spare time. The attorney of my father 's estate is also trying to provide assistance to obtain information of what we can do on our end. As I see it the reverse loan company either wants the loan repaid ( even if it is not the full amount ) or they want the home to sell themselves. If the second option is what they want, I could have turned it over to them at the beginning of the process and prevented a lot of time and anguish in trying to resolve the debt.
Any assistance you can provide once again in resolving this matter would be greatly appreciated.
Thank you.
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| 04/21/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I contacted PHH Mortgage in reference to refinancing my investment property. On XX/XX/2020, an initial loan application and credit check was administered by XXXX XXXX, PHH loan officer. My application was pre-approve based off my credit score ( XXXX ). I inquired about the refinance process, which she stated varies between 30 and 90 days, but she ensured I would close within the 90 day period to prevent re-pulling and affecting my credit score.
XXXX thru XXXX I worked on completing and uploading personal documentation within the PHH portal, as well as waiting on appraisal information. Around the first week of XXXX, I was introduced to XXXX XXXX, PHH Mortgage Services Loan Processor. Mr. XXXX requested a lot of information the first week and I was quick to return all of the data. On XX/XX/XXXX, the appraisal was completed and submitted to the loan officers via the PHH Portal. The loan process was almost complete, with the exception of insurance documentation and my request to lower the interest rate provided at ( 5.5 % ).
XX/XX/XXXX, I reached out to XXXX who informed me XXXX would be contacting me in reference to my interest rate inquiry. XX/XX/XXXX, XXXX informed me he needs to pull my credit report because my credit was originally pulled under an old account and he would need to perform another credit check. I was upset because XXXX had ensured I would close in under 90 days and no additional credit check were required.
XX/XX/XXXX, I reached out to XXXX in reference to the progress of my loan and he informed me he would get back with me. From that point, I was giving the runaround every day.
XX/XX/XXXX, he followed and informed me he was waiting on an insurance rate update from his supervisor. He followed up with an email that he was waiting on a rate update : XXXX I have a request out for the insurance ( I spoke with them as well, as had previously requested ). When the credit was pulled it affected the rate because of the drop in score. I know youre anxious to have this wrapped up. I am working with the management team to see how it can be addressed. I apologize for the continued delay. I am pushing for a response.
XX/XX/XXXX, I followed up on the interest rate inquiry and XXXX informed me : XXXX I spoke with my supervisor. They are still working on the rate. I will continue to keep you updated.
XX/XX/XXXX, XXXX reached out to me to inform me : Hi XXXX Looks like we are still in the process of honoring the rate. Things look good. I have a reminder on my calendar to give you an updated status before I leave the office.
XX/XX/XXXX, I asked if I would be closing by the end of XXXX and XXXX response : I am trying to push for it XXXX I was advised that our VP and compliance team is reviewing the rate. As soon as I have an update I will let you know XX/XX/XXXX, I followed up to inquire about a status and inform XXXX I would be filing a complaint with Consumer Financial Protection Bureau and XXXX.
XXXX contacted me via cell phone at XXXX XXXX ET to inform me he was working on another plan since my credit score was too low for approval. He called me at XXXX XXXX and inform me PHH would not be moving forward with my loan.
PHH has ruined my credit score. My XXXX score is XXXX, and XXXX is XXXX. My XXXX score was XXXX and my XXXX was XXXX. The first credit PHH inquiry dropped my score and the last hard inquiry this month has dropped my credit score 32 points. When I applied for the PHH loan, which was based off 3 credit score calculations. My overall credit score was a XXXX.
Now, I can not refinance my investment property through ANY mortgage company. It will take months or even a year to improve my score! I need to take action or PHH needs to work harder to rectify this issue. I truly believe this is mortgage discrimination and now I was denied a loan based off an error in their ( PHH mortgage ( s ) ) overall system. I am aware mortgage companies are preventing XXXX XXXX from refinancing and XXXX people are disproportionately targeted for high rates. Something needs to be done or I will seek legal consultation.
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| 08/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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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.
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| 12/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
Older American |
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XX/XX/XXXX my daughter noticed that my mortgage payment was extremely high ( {$1300.00} ). After investigating she came to the conclusion, that my homeowners insurance company ( XXXX XXXX ) had been steadily increasing my yearly premium. Basically, price gouging for no apparent reason. This was in turn caused me to have a Escrow Shortage with PHHXXXX XXXX XXXX. This also, prompted my daughter to contact XXXX XXXX request a refund, cancel the policy and replace it with another company. She decided to bundle our car insurance and homeowners together, it is paid out of our joint account so this way we can be assured that this new company wont increase the yearly renewal without us being made aware ahead of time.
On XXXX XXXX, XXXX, I spoke with XXXX ( ID # XXXX ) to make PHH Mortgage/XXXX XXXX aware of the Homeowners Insurance change and upload the necessary supporting documents. I inquired about the escrow shortage amount, I also was informed that an escrow account was NOT required on my account and after paying the shortage I should submit an " Escrow Removal Request Form '' to close escrow.
On XXXX XXXX, XXXX, I paid {$2600.00} towards the Escrow Shortage.
On XXXX XXXX, XXXX I paid {$1300.00} to PHH/XXXX XXXX. the new mortgage payment amount.
The breakdown would be ( per PHH/XXXX XXXX ) {$560.00} towards principal and interest & {$810.00} to the escrow account. ( {$1300.00} ) Out of the amount of {$810.00} : {$670.00} was paid to the my County for the FINAL payment of my XXXX Real Estate Taxes. This left a positive balance of {$150.00} left in escrow.
Having paid all of the required payments and cured the escrow shortage to a positive balance of {$150.00}, I submitted the an Escrow Removal Request Form and requested a Mortgage Payment Analysis ( I'm on a Fixed income and the payment is too high, especially since {$810.00} will be sitting in an open escrow account for up 6 months. and may daughter and I are paying Taxes and Insurance out of our joint checking account on a monthly basis ) ( XXXX XXXX XXXXXXXX ) Since submitting the Escrow Removal Request Form and Mortgage Payment Analysis I have received 3 Denial Letters from PHH/XXXX XXXX saying that they can not Close the Escrow Account or do a new Mortgage Analysis. Now the reason is being used that the Loan-To-Value ( LTV ) is greater that 80 %. The amount owed on my mortgage is {$110000.00}.
Printed on EACH of PHH/XXXXXXXX XXXX statements at the top my Average Home Value started at : {$220000.00} on XXXX XXXX, XXXX {$210000.00} on XXXX XXXX, XXXX {$210000.00} on XXXX XXXX, XXXX NONE of these amounts were changed until I submitted the Escrow Removal Request Form. This company is deceptive and disorganized! I am being discriminated against because of my race, XXXX & familial status ( Widow ) and because I'm on a fixed income.
This is a Violation of the Virginia Fair Housing Law 36-96.1.1.
Even using the County Assessment value of my home at {$150000.00} I am still NOT at an 80 % Loan to Value.
I've called PHH/XXXX XXXX and spoken with several " SO CALLED '' Escalation Managers : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and they are absolutely NO HELP at all. They will NOT let me speak what the Escrow Team Directly and I've sent over supporting documents and I CAN NOT get any type of resolution at all. My late Husband and I promised each other that we would leave this house to our grandchildren and PHH/XXXX XXXX is making it so difficult to close the escrow so I can focus on paying our home off.
I feel that I am stuck with them! I have recently found out that my Mortgage is not listed on my credit report, which in turn makes it difficult for me to Refinance my loan with another company. Is so unfortunate that a XXXX year old widow on a fixed income should have to go thru this and have my house in jeopardy over something so simple. I call and continually get the run around and they keep changing the rules.
I have attached ALL SUPPORTING Documents pertaining to this matter. I hope to get a resolution.
Thank you for your time.
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| 06/29/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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-- The original mortgage that was taken by me and my then-husband was sold to a loan servicing company.
-- I divorced the service member after 10 years of marriage and I received the home in the divorce via Quitclaim deed.
-- Child support was received in full for the first year.
-- In XXXX, being a single mom of an XXXX XXXX with XXXX XXXX that demanded intervention and my employer being unsupportive during this time combined with the sudden loss of child support payments, I fell behind on mortgage payments.
-- The hardship began in XXXX and I did a loan modification with this company.
-- I still had difficulty paying my mortgage and struggled.
-- In fall of XXXX I realized that with essential repairs that I could not afford combined with monthly expenses, I couldn't handle the property and I filed for a deed in lieu of foreclosure -- I loved my house, but emotionally, physically, and financially I couldn't do it anymore and I wanted to do the right thing, I did not want to go through foreclosure.
-- In XXXX I lost my job and had further XXXX XXXX with my XXXX. I had completed the papers for the deed-in-lieu of foreclosure when someone approached me with interest in the house and the name of a broker that could handle a short sale with the loan servicing company.
-- At this point I was deep in XXXX and shut down and I met with the broker.
-- The broker said they could stop everything and do the short sale -- that it wasn't too late and they would handle everything.
-- The broker became the sole communicator with the person interested in the property and the loan servicing company.
-- The title was clear on my home and checked out clear for the deed-in-lieu.
-- Months go by and the person who was interested left and another interested party was found. The broker continued to tell me there was a problem with the title and they were working on it. I didn't argue and didn't question because my XXXX XXXX at this point had deteriorated.
-- In the summer of XXXX I was hospitalized for my XXXX XXXX, I was also served with foreclosure papers.
-- After hospitalization I began to question the broker and the bank about what was going on. This was when I was told that the house was no longer in my name and had been transferred to the Secretary of the VA. The broker was continuing to try to sell a house that I had no claim to because the original deed-in-lieu had been filed with the county clerk and the deed transferred to the Secretary of the VA.
-- I went back to college in the Summer of XXXX and one of my professors, who was an attorney, contacted the broker and bank.
-- The last full payment I made on the account was XX/XX/XXXX.
-- The deed-in-lieu was recorded in XX/XX/XXXX -- I contacted the VA and they said that in XX/XX/XXXX the deed was transferred back to the loan servicing company.
-- In May of 2018 I was contacted by someone from the loan servicing company -- my papers landed on his desk and he wanted to know what i wanted to do. I emphatically told him I wanted the deed-in-lieu to be completed -- The loan was referred to another attorney for foreclosure. I spoke several times with the attorney handling it and offered my cooperation and desire that the deed-in-lie be completed.
-- For the last 7 years, every single month, the loan servicing company has reported late payments. My credit has been ruined.
-- I have been unable to find an attorney that is willing to represent me with this case -- I have tried to repair my credit -- perfect payments on credit cards and a car loan. Paid off my car early, settled two small debts. The score that rental agencies use to determine my eligibility is horrendous, barring me from living anywhere decent.
-- The loan servicer still reports me late, late fees, interest and past due payments have been accruing for many years and they still contact me several times per week.
-- I have no idea what to do and having my credit destroyed year after year is worse than if I had allowed the home to go into foreclosure, I can't even get a loan
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| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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HELLO MY NAME IS XXXX XXXX AND MY BROTHER XXXX XXXX. WE ARE THE XXXX OF XXXX XXXX WHO WAS THE BORROWER ON THE LOAN WITH PPH MORTGAGE. MY MOM PASS AWAY ON XX/XX/XXXX. SOON AFTER WE WENT TO PROBATE COURT BC SHE PASSWD WITHOUT A WILL. SO WE GOT A DOCUMENT CALLED LETTER OF ADMINISTRATION SAYING WE WAS HER XXXX. IN THAT TIME WE CONTACTED PPH LETTING THEM KNOW WE WANTED TO KEEP THE HOUSE, SHE [ MY MOTHER ] SAID IF ANYTHING HAPPEN TO HER THE HOUSE WOULD BE PAID OFF.
SO THE DOCUMENTS REQUESTED FROM YALL WAS MY ID, MY BIRTH CERTIFICATE, THE LETTER OF ADMINISTRATION, MY MOM DEATH CERTIFICATE, AND MY INCOME AT THE TIME. SO WITH THAT MY BROTHER AND I BECAME SUCCESS OF INTEREST ON THE ACCT. MEANING I HAD THE RIGHTS TO TALK ABOUT THE ACCOUNT. SO IN XXXX WE COMMUNICATED SEVERAL TIMES ON THE ACCOUNT. SO A MODIFICATION WAS TALKED ABOUT TO HELP US. SO WITH TERMS OF THAT WE HAD A 3 MONTH TRIAL ON PAYING THEN WENT TO 6 MONTHS WE PAID AND THEN IT WAS ISSUES ONCE AGAIN WITH YALL NOT RECIEVING PAYMENTS FROM US AND WE SEND THROUGH XXXX XXXX SO WE COULD HAVE PROOF IT GOT TO PPH. WE HAD TO DO MODIFICATION AGAIN SAME TERMS WE FOLLOWED THEN AGAIN WENT THROUGH MISSING PAYMENTS SO IT BECAME VERY FUSTRATING AND NERVE WRECKING. TALKING WITH DIFFERENT AGENTS BECAME AN ISSUE BC WE WAS TOLD DIFFERENT INFORMATION EVERYTIME UNTIL I STARTED ANXIETY ATTACKS FROM BEING TOLD YALL DIDNT RECIEVE DOCUMENTS GIVING ME EMAILS THAT DIDNT WORK AND SAYING ALL THE TIME ITS GONE TAKE 10 DAYS TO UPDATE IN THE SYSTEM THEN XXXX TO MAKE A DECISION NUMEROUS TIMES VERY UPSETTING TO ME SO I STARTED LETTING MY BROTHER TALK WITH PPH. SO A XXXX NAME XXXX XXXX WAS ASSIGN TO THE ACCOUNT. HE WAS THE ONLY ONE TOLD US WHY THE MODIFICATIONS WAS NEVER COMPLETE. WE NEEDED A FAMILY TRANSFER PACKET COMPLETED WHICH WE WAS NEVER INFORMED UNTIL HE TOLD US WHY WE WAS HAVING A PROBLEM EVERY SIX MONTHS WITH THE MODIFIFCATION. SO AGAIN WE HAVE RESUBMIT MORE COPIES OF PREVIOUS DOCUMENTS ALREADY SENT IN. SO OUR QUESTION WAS WHERE IS OUR INFORMATION AT, WAS TOLD MAYBE IN A DIFFERENT DEPARTMENT. IRRATATED ONCE AGAIN BECAUSE WE ARE NOT MOVING FORWARD. SO WE SENT REQUIRED DOCUMENTS IN AGAIN PLUS PAPERWORK THAT HAD TO BE SIGNED AND XXXX EXPLAIN HE COULD MAKE ANYTHING HAPPEN IN THAT OFFICE BC MY BROTHER CLEARLY ASK HIM WAS WE GONE GO INTO FORECLOSURE HE SAID NO AND XXXX WE TRIED TO MAKE A XXXX AND XXXX PAYMENT THEY RETURNED IT TO US SAYING NOT TO MAKE ANY MORE PAYMENTS UNTIL FUTHER NOTICE WHICH HAS PUT US BEHIND FOR A WHOLE YEAR NOT BC WE COULDNT PAY BUT BC WRONG INFORMATION BEING SAID TO USE. WE REACH OUT TO XXXX AND HE WAS NO LONGER ON THE ACCT TO BE THE AGENT. WOW SO NOW AGAIN WE SPEAKING WITH DIFFERENT AGENTS TELLING US THIS THAT AND THE THIRD. WE HAVE EMAILED FAX SENT CERTIFIED DOCUMENTS TO THE OFFICE IN FLORIDA AND NEW JERSEY. SO NOW BEING TOLD NO MORE MODIFICATION BC THE LOAN AMOUNT IS LESSER THAN WHAT THE VALUE OF THE HOUSE IS NOW. SO ARE PUT IN A NO WIN SITUATION BC OF MISLEADING INFORMATION WE HAVE DID OUR PART WITH SENDING IN DOCUMENTS REQUESTED AND BC THE EMAILS ARE WRONG OR DIDNT RECIEVE SO TO SAY GIVING US THE RUN AROUND AND RESENDING DOCUMENTS HAS BEEN NERVE WRECKING AND CAUSE ALOT OF TIME COSUMING AND PAIN AND MENTALLY STRESSED BEHIND ALL OF THIS. NOW WE ARE TOLD A REPAYMENT IS THE ONLY OPITION. AND WE ARE BEHIND NOT BC OF US ITS BC OF THE INFORMATION NEEDED OFF HAND WASNT TOLD TO US. IT WAS NEVER A PROBLEM WITH US MAKING PAYMENTS AT ALL. MISLEADING INFORMATION AND TOLD BY DIFFERNT AGENTS SOMETHING DIFFERENT CAUSED ALOT OF CONFUSION. SO NOW WE HAVE BEEN AGAIN PUT IN A POSITION FOR THE HOUSE TO FORECLOSE ON AND WASNT TOLD THIS BY PPH BUT BY A CONSUMER THAT CAME TO THE HOUSE THAT HE SEEN IT ONLINE. WOW DEALING WITH THIS MORTAGE COMPANY HAS US TO WORRY AND STRESS BEYOND MEASURES. AND I CANT UNDERSTAND WHY ANYONE WHO HAS A MORTAGE WITH THIS COMPANY HAVE TO GO THROUGH THIS MUCH PAIN AND STRESS JUST TO KEEP THE HOUSE WE GREW UP IN BULIT FROM GROUND UP TO BE PUSHED TO THE POINT OF MAKING US GIVE UP BUT WERE NOT BC YALL ARE WRONG IN SO MANY WAYS.
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| 12/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/ 2019, my old loan company, XXXX, transferred my home mortgage to your company. Since receiving this notice, I have done everything in my power to ensure that you received my mortgage payment. It was explained that there is a 60 day grace period when mortgage companies change as it is understood that there can be some issues in the transfer.
When I received notice in the mail of the change to you as my new mortgage company, I immediately on XX/XX/ 2019 contacted PHH mortgage. I was told that I did not have a loan number assigned to my mortgage account yet and that I would receive correspondence in the mail regarding the information I needed to make my mortgage payment. I did not get the information from PHH mortgage until XX/XX/, 2019 ( 3 weeks after my loan was transferred to you ). I immediately contacted my service provider, XXXX, who I pay, and they forward my payment to my mortgage company. I have been using XXXX for 5 years and have never had an issue with my mortgage being paid. I gave XXXX the information to send mortgage payments to PHH Mortgage. Due to the delay in getting the new mortgage Information, my mortgage payments for XXXX and XXXX were sent to my old mortgage company XXXX.
On several occasions I spoke with XXXX regarding the situation and I was reassured that this is common when mortgages are transferred. It is standard practice according to XXXX, when they transfer a mortgage for them to still receive payments on the old loan and the monies are transferred to the new mortgage company. On XX/XX/, 2019, I spoke to PHH mortgage, and was told you still had not received a mortgage payment. I immediately contacted XXXX who looked into the matter.
On XXXX XXXX,2019, I was contacted by XXXX who said they had not sent the transfer monies and believe the money to still be in their Cashier Department. They relayed needing my help in locating the monies. XXXX needed the confirmation from XXXX regarding the wire transfer. I immediately contacted Earn up regarding what I needed for XXXX to locate the mortgage payment. XXXX told me they would have this payment information in two days. I recontacted youre company and updated you on the status.
Each time I contacted your company people were reassuring of me not to worry as this was common in mortgage loan transfers, until I called back on XX/XX/ 2019, when I was told that a negative credit report was sent as you have not received the mortgage payments. As I had been staying in touch with your office and explaining what the situation was there was not mention that I was going to be penalized on XX/XX/ 2019. Because this is clearly an issue with XXXX I should not have been penalized. I also feel, last week when I spoke to your mortgage department I should have been advised of the consequence if this was not resolved on XX/XX/ 2019 I would possibly have borrowed monies to pay the mortgage payments a second time even though this is clearly a system problem.
I have owned several homes and have never been delinquent on a mortgage payments. I feel victimized by a system that clearly does not work. Worse than that I am being penalized even though I did everything right including paying my mortgage. I am being told it is my responsibility to prove that XXXX is at fault for not forwarding PHH the mortgage payments. I have put an enormous amount of time in efforts to rectify this situation. Every call was at least a 30 minute wait time and just yesterday, I waited on hold for 45 minutes to PHH mortgage. On a second call yesterday, to your company, I waited another 45 minutes and was given to a Supervisor from the XXXX who told me I needed to speak with a supervisor in the U.S. I was again put on hold for another 30 minutes and then was cut off. I cant tell you the emotional toll this matter has taken on me. I am a cooperative customer trying to do the right thing. I can only request other companies involved do what they need to do to make this right, and have no power to make them prioritize my Situation.
|
| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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XXXX XXXX along with his wife XXXX XXXX ran an unauthorized background on me without my permission nor knowledge. I was not seeking any of their real estate services.
XXXX XXXX and XXXX XXXX are located at the XXXX XXXX XXXX XXXX, XXXX, MI XXXX Century21 office, which is also the address for their company XXXX XXXX XXXX XXXX. XXXX and XXXX are also partners in The XXXX XXXX XXXX.
Ive NEVER met XXXX XXXX, his wife XXXX XXXX nor any of their affiliates. I am not seeking any type of real estate investments/properties.
This unauthorized background is gravely incorrect yet XXXX took upon himself to try to convince my husband Im a criminal.
XXXX and XXXX are friends with my husbands ex-wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated before the court Im a XXXX XXXX XXXXr and knew it was true because XXXX and XXXX are authorized to obtain such accurate information because they are real estate agents.
Ive since obtained a court legal local, state, multi state and FBI background proving I have NO CRIMINAL BACKGROUND! ( Full birth name, DOB, SSN, fingerprints, etc were used ) They all took it upon themselves to run a background via a real estate app XXXX. The app is meant specifically for real estate agents & plainly states they are not accurate nor a consumer reporting agency. Much less the application for the service states its illegal to use the app services/reports as XXXX did against me.
When I first discovered their unauthorized background on me, I didnt report them to any authority as I was trying to avoid drama. Instead I tried to give them the benefit of the doubt and called them directly. XXXX immediately started screaming at me, swearing and such, then hung up. I then called XXXX and she did talk and was civil. I later took it upon myself to hire an independent 3rd party to prove their background was inaccurate yet XXXX refuses to even acknowledge or try to correct his injustice against me. Ive done nothing and didnt deserve this. Nor does anyone.
XXXX has done many illegal acts against my husband and I & never ends, please review my husbands case with you XX/XX/19 and the FDIC XX/XX/19 under XXXX XXXX, where his ex purposely dated the VP ( XXXX XXXX XXXX where my husband mortgage is, to gain access to his financial records illegally.
XXXX has tried accessing my husbands bank accounts by calling into XXXX other accounts yet she was discovered and locked out. XXXX even is confirmed breaking into a XXXX bank account and paying a credit card with her name on it. XXXX and XXXX knew all of this PLUS WAY MORE ... yet they STILL helped her TRY to prove Im the bad guy and a criminal!
XX/XX/19 I tried to clear the air by sending an email to all parties letting them know my XXXX XXXX was available to all as I dont want my husbands ex to use false data to get the courts to side with her parental alienation or have others back her before her kids. Regardless after this email, XXXX kept at it, sending more texts to my husband, completely rude, mean and belligerent.
XX/XX/19 Finally my husband called the XXXX XXXX XXXX to lodge a harassment complaint against XXXX to make him stop contacting us. He is not allowed to contact nor do further harassment. Oddly the cop was shocked XXXX was so against me ... mind you hes never met me ... plus hes the one that did me wrong ... he was trying to convince the cop also I was a criminal. Why hed do this, continue, plus so irrational is beyond me, much less able to conduct life and his real estate business as he does is highly unjust.
XX/XX/19 Ive tried writing XXXX reviews to warn others of how unethical this guy is yet he deletes the reviews, responds with smart sarcastic replies.
It is XXXX this guy doesnt care XXXX violated my rights and privacy ... and based on the plethora of other online reviews about XXXX, Id say hes extremely dangerous around anyones personal information.
Please help as the courts and such have yeilded very little justice for my husband and I who are the true victims. Thank you
|
| 09/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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On XX/XX/XXXX I requested Payoff Statement from PHH mortgage. On XX/XX/XXXX, I received a response to my request. A 5-page document stating in part ... .. '' Equity Share Agreement if note is paid in full beginning 30 days after the Modification Effective Date and before the 8 year anniversary date after the Modification Effective Date and the property value has increased from the property value XXXX obtained by the lender prior to the Modification Agreement. Lender entitled to 50 % pf any increased value, less capital improvements. '' I expressed the URGENT need for this to be escalated, as we were scheduled to closed Escrow XX/XX/XXXX. I inquired as to the process. I was told by Escalation Manager XXXX, XXXX, that each vendor would be called to verify the legitimacy of the receipts and confirm they performed the work.
I immediately sent Capital improvement receipts and cancelled checks, totaling approx XXXX. Upon sending these documents, I have been in contact with " Escalation Managers '' who have provided the same scripted information : XX/XX/XXXX - XXXX - XXXX - Confirmed " XXXX '' was working with the payoff department, he would send XXXX a email to give me a call, could not verify receipt of documents after I sent several times via emai to XXXX XX/XX/XXXX - XXXX - XXXX - Verified receipt of documents sent earlier XX/XX/XXXX - XXXX - XXXX - Acknowledged call, stated would leave message for XXXX XX/XX/XXXX - XXXX ( XXXX ) - XXXX looked up acct, confirmed XXXX was working with payoff dept and she would send him an email to contact me. I asked to speak with XXXX he was not available.
XX/XX/XXXX - Received a call from XXXX, XXXX stating XXXX is the one assigned, he is watching the account, it has been escalated and he is working with the Payoff Dept. XXXX, XXXX then stated that the " Equity Share '' amount would not be more than 25 %. I inquired to the definition of 25 %. XXXX, XXXX then stated, he did not have the breakdown of the numbers, that would be listed in the Payoff. I demanded he explain what he was eluding to regarding 25 %, and if he could not explain it, I wanted to talk to a manager that could. XXXX, XXXX then stated XXXX is watching my account, it's been escalated and he would give me a call. I reiterated to XXXX again that we are scheduled to close escrow on XX/XX/XXXX. He stated he understood. I asked to speak to XXXX he was not available.
XX/XX/XXXX - XXXX, ext XXXX gave me a call & left message.
XX/XX/XXXX - XXXX, ext XXXX called me and stated " all verifications have been completed '' a payoff statement should be sent later that day.
XX/XX/XXXX - XXXX - XXXX, I called as I have not yet received a payoff statement. I was told by XXXX, XXXX - XXXX is the one assigned, he is watching the account, it has been escalated and he is working with the Payoff Dept.
XX/XX/XXXX - Called PHH and conducted a 3-way call along with Title and myself to try and ascertain when we would be receiving the Payoff Statement. We were told " XXXX is the one assigned, he is watching the account, that an email would be sent to XXXX to escalate it. Title Company inquired " how long after escalation will the Payoff statement be generated? '' We were told 24 hours. I stated this is the 3rd escalation and we still have not received the Payoff statement. This matter has been escalated 3 times since XX/XX/XXXX and the only consistent response given is " XXXX is the Escalation Manager on this file and he is working with the Payoff Dept. '' I inquired, if all verifications have been completed, what is the hold-up to obtaining the Payoff statement. I then asked for the Manager of the Payoff Dept, I could not get a name or be transferred to anyone.
We ( Escrow/Title ) are currently at a STAND STILL as we can not obtain a Payoff Statement from PHH.
XXXX - Property Value at time of Modification XXXX - Appraisal Amount XXXX - Selling Price XXXX - Increased value amount XXXX - Less Capital Improvements On XX/XX/XXXX, I have not received the promised Payoff Statement.
|
| 06/28/2018 |
Yes |
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- Trouble during payment process
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Web |
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I have repeatedly called OCWEN and attempted to ascertain why my home is in foreclosure. I have been assessed fees after OCWEN failed to apply my payments. I noticed today another lawsuit filed against OCWEN. The federal Magistrate has refused to make public the escrows that OCWEN has fraudulently manipulated for millions of homeowners, which is one of the exact same issues I have repeatedly submitted complaints regarding. The same issues that I have been alleging against OCWEN for years are being alleged by millions of other homeowners. The problem is that OCWEN keeps getting away with fraud and the only persons making money are the lawyers, OCWEN and the agencies that sue them. The homeowners continue to be scammed by OCWEN. I called OCWEN today in response to their response to my last complaint. They listed the name of a relationship manager, as though this person is really available and there to individually assist customers. That is a farce that no agency has yet to address. Of course, that person was not available, as they are NEVER available, so I talked to the random customer rep, as I always do. I spend almost an hour or more on the phone every time I call, but I never get any results. They just follow their phone script and don't listen to the homeowner. Today, after spending a half hour on the phone, I had agreed to send in all of the payments that OCWEN rejected or misapplied, before forcing my home into foreclosure. I told the rep that I didn't trust OCWEN because they never honestly follow through and I wanted in writing the amount I agreed to pay to reinstate the loan that they forced into foreclosure when they charged me for insurance that I paid in full out of pocket and adjusted my escrow upward. After we spent a half hour discussing the payment it would take to reinstate the loan and remove the foreclosure status, she agreed to send it in writing to confirm. However, she also stated that the agreement would only be good until XX/XX/2018, but that I would not get the agreement in writing until 3-5 days later after our conversation. I asked her to email it, which only takes a minute and could arrive the same day we made the agreement. If today is XX/XX/XXXX, and the agreement is only good until XX/XX/XXXX, but OCWEN is not going to actually send the agreement until XXXX, by the time they send the agreement in writing, it will be past due, expired and I would be in default of an agreement I never received. When I explained how stupid that would be to the Rep to send me a letter in writing that was expired by the time it arrived, she told me that it had to go to another department first. These are the kinds of fraudulent and nonsensical practices that OCWEN engages in to steal consumers ' homes. They don't help homeowners, they harm homeowners and for whatever reason, despite the hundreds of lawsuits against OCWEN regarding their fraudulent loan practices, they keep getting away with stealing homes and taking consumer 's money. How is a homeowner supposed to fight a company that is taking advantage of homeowners by taking their mortgage payments and misapplying their funds to back up their mortgages and drive them into default. Why would I or anyone in their right mind send {$4000.00} to OCWEN to reinstate a loan with no written assurance or guarantee that they would stop the foreclosure that was wrongfully initiated. I fell prey to this last year because I was bullied, pressured and forced to sign a document to keep from losing a home that should have never been in foreclosure, except for their fraudulent practices. Yet here I am, six months later, fighting a new foreclosure after they stole over a million dollars in assets, valuables, family heirlooms and property from my home that was not in foreclosure at the time they illegally broke in, by removing my locks and breaking down my door, which their XXXX admitted, after trying to cover it up. When is the CFPB and attorney general going to stop OCWEN from their fraudulent loan practices?
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| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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There are two reasons for this complaint, one of them being that my house was sold in an illegal sale when we were protected by the FEDERAL automatic stay.. Second PHH purposely sabotaged my loan modification.My house was approved for a loan modification in XXXX. Please see attached records of each and every time I called PHH When I called in on XX/XX/XXXX I wanted to make sure PHH had all my correct information such as phone numbers and emails. I was advised I had {$150.00} credit. On XX/XX/XXXX I talked to agent XXXX XXXX and i was told again I have {$150.00} credit. I asked how, she didnt know, would put it in request to find out, but I was told to pay {$610.00} for my month of XXXX loan modification. On XX/XX/XXXX I called again to confirm the {$150.00} credit again I talked to my single point of contact agent XXXX XXXX, she confirmed again to make the trial payment minus the XXXX credit so I did! Please see attached proof of payment!
XX/XX/XXXX I made my appointment for pH H to confirm that they received my payment they said they did not. I called back with the tracking number XXXX they told me it was there.
XX/XX/XXXX I called again to confirm the payment was accepted.It was.
XXXX called to confirm payment for XXXX was to be XXXX. I spoke to XXXX XXXX XXXXpayment received was advised that after the XXXX payment they would send out the modification finalized.
XX/XX/XXXX I received a letter I was denied for failing to make payments within the timeframe.
Was I never advised that the payment was incorrect? How can you guys set me up for failure like this. Why was I told the first payment was the correct payment amount when it was not! I was given bad info that has cost me my home!!!!???
I was never advise that the payment was incorrect. Ive been trying to rectify the situation with no help. I had no choice but to file for bankruptcy. You guys still sold my house.
On XX/XX/XXXX I called the floor closing attorney XXXX and they said the sale date was canceled due to XXXX.
On XXXX I called back to see what was going on as PHH now is saying my home sold!!! I was trying to get info on my modification situation but they did nothing but run me in circles.
XXXX The girl at the law office XXXX said the home was sold. I asked how after they told me the sale was canceled on the XXXX! She said that they are waiting for instructions from phh, but that the home will be rescinded. Regardless, I left a message for the attorney to call me back he never did!!!!!.. At this point its been made very clear that PHH wants my house. Ive been trying to get through for help and have been speaking with a supervisor by the name of XXXX XXXX. His direct phone number is XXXX. He stated that he would assist me on this recession matter.
Yesterday XXXX he called me to say that the decision is final and the house is being filed. He told me to call the attorney directly because he cant do anything else at this time. He said to ask for XXXX or XXXX. By the time I finally got someone to help me it is now too late!
Why for all these weeks has anybody refused to answer any questions about how my household was when I called literally the next day and you guys told me it was canceled due to the bankruptcy you guys were very well made aware that a bankruptcy was filed.
My bk was filed XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
XXXX I called the attorney 's office XXXX a number of times and the staff terminated the calls on me. I called back and spoke to XXXX who said XXXX is the only XXXX attorney there and he is the only one who can help. Phh is refusing to speak to me as they are saying nothing but XXXX. The only one who did anything for me there was XXXX. The attorney have never returned my call nor attempted to explain to me what is going on. I will be filing a complaint with the state bar.
I am demanding that all my documents be reviewed, all calls replayed as they are monitored, my home back, and my modification back! IT IS ILLEGAL WHAT YOU HAVE DONE TO ME!!!
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| 11/09/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have a loan that was originally serviced through GMAC and now being serviced through OCWEN. The loan number is XXXX and FHA case # XXXX. My initial request for mortgage relief was extremely frustrating with constant re-submission of the same documents because the OCWEN said that they never received the documents. Ive made several applications for mortgage relief and my application was denied for missing documents or other ridiculousness. My income was higher and I didnt get the loan mod. Eventually I received a modification ( with less income, what! ) for mortgage relief and the payment was even higher. How does that provide relief to the homeowner? This doesnt make sense. If Im struggling with a mortgage payment, increasing the payment isnt providing relief and makes my struggle with making payments worst and setting me up to continue to default not meet my payment. I tried making the trial payments, but of course they were too high for me to handle as a single parent with a family ( and a terminally ill family member ). The increase mortgage payment didnt help. I reapplied for a mortgage and was denied. I had to file bankruptcy. I reapplied again for a loan modification. I received a modification with the payment being increased almost {$700.00}!!!!! from the original mortgage payment. I could not believe this extremely higher payment. Again, I made the trial payments hoping to receive relief for a permanent modification. I did receive the permanent modification and again the payment increase to a whopping {$1000.00} from the original mortgage payment. Again this is NOT mortgage relief!!! I asked for an appeal for a review and was told that this is the results. I asked for the office of the president and was sent to the ombudsman for an appeal. Ocwen would not give me the information for the office of the President. The ombudsmans response was the same outcome for the higher mortgage payment. I next asked for a short sale, because that is one of the options I was given in my notice from Ocwen as an alternative to foreclosure. Ocwen denied the short sale, because they wanted FULL pay out of the load. Again, not providing mortgage relief for me. I tried calling several people in Ocwen and was told a different reason for the denial of the shortsale. This time I was told that Ocwen stated that FHA denied the short sale. After contacting HUD, I was told that there were several things that OCWEN didnt do while servicing the FHA mortgage, including the MIP. HUD denied the shortsale because OCWEN failed to follow FHA guidelines. However HUD mentioned that OCWEN could still allow the shortsale but HUD would not participate or payout on the shortsale. I made an appeal to OCWEN for the shortsale and was denied the appeal. OCWEN stated that they wanted full pay out of the loan. Per Ocwen 's letter " We carefully reviewed the mortgage assistance application for our short sale program. Unfortunately, we are not able to offer short sale assistance as this time. Our decision was based primarily of the following : We are unable to offer you a standard short sale because the owner of your loan is requiring no less than the full amount owed to satisfy the loan ( ~ {$480000.00} ) ''. The full payout of the loan was worth much more the value of the house. Also, the full payout of the loan was not accurate. The full pay out amount that I was sent did not include ANY of my payments that I made during the modifications. I didnt get credit for the loan modification payments that I made.
Ocwen didn't service the loan according to HUD regulations for FHA mortgages and Ocwen did not give me credit for the modification payments that I made.
I need help and someone to intercede with OCWEN and provided a reasonable loan modification that will provide mortgage relief for me.
Helping homeowners us not what Ocwen does.
But why didnt I get a loan modification when I first asked! All of this would have been avoided!
Thank you for any help you can provide.
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| 04/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I XXXX XXXX , with Loan Number XXXX from OCWEN LOAN SERVICING, am writing you today to express my frustration in working with OCWEN on a mortgage modification under the Making Home Affordable program instituted by the Obama Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began a couple of years ago. It is my hope that in filing a complaint that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on OCWEN to fulfill its obligation to act in a timely manner not only on my behalf, but on behalf of othe rs that are facing the same obstacles regarding their applications for mortgage modifications. I find it very observed that I have been trying to get a loan modification for over years, and yet, till this date, we have not been able to resolve the issue. It has come to my attention that my loan modification was denied on XXXX XXXX XXXX due to the Investor of the Mortgage does not want to participat e in a Loan Modification. In the phone conversation, you mentioned that the investor does not want to participate in the Loan Modification due to the File has been modified 2 times already in the past. I asked for the dates and you have no idea when the Loan was ever modified. To my records, and I have proof of this, my loan has been modified only one time. I requested this information to be sent 'd in writing to me, not even a denial letter was s ent 'd to me acknowle dging that the denial was denied directly from the investor. Its easier to mentioned it over the phone, but it brings up the matter that you could just be making this up to cover your assets and let me loose my home, my investment, the property that I worked so hard to live and maintain. You mentioned you could not arrange an affordable payment to support a Loan Modification due to excessive obligations to support a payment. You have received everything you needed in regards to the Loan Modification process, and acknowledge that the loan modification was in process, giving me high hopes that I would obtain a loan modification. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to resolve the loan modification. It is neither my intentions nor my fault that this debt has increased. Ever since my divorce, I have been the only person covering the household and expenses. I never meant to default. I been trying to resolve this issue for years with no results, basically with the same action, " I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and XXXX when you have a citizen like myself, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment, the house where my children reside. In news reports I hear t hat OCWEN claims to be overwhelmed with applications for modifications. As a result, your bank is top 3 worst servicer processing a modification. When times were good and banks were encouraging everyone to take out 1st, 2nd and even 3rd mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when someone asks for help, it takes years with no immediate results. I understand that across the country there are several lawsuits being filed ag ainst OCWEN, some seeking class action status. I think it would be worth your time to look into doing the same on behalf of all Home Owners that are facing the same uphill battle with you OCWEN as I am. Please take in consideration that I really want to keep my property. Please help me the best you can, I know I qualify for a better Loan Modification, and it would be under our best interest to qualify this loan.
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| 10/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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XXXX XXXX XXXX DENIAL - APPEAL ) Ocwen Loan Servicing , LLC is stating that they are unable to offer me a Home Affordable Modification because : " You were previously offered a HAMP modification and failed to return the final modification agreement within the required timeframe. Please note, not all eligibility factors were evaluated '' I believe that I am eligible for XXXX XXXX XXXX XXXX since my mortgage loan is currently under a XXXX XXXX XXXX XXXX modification that I defaulted on due to medical and financial hardships ( see attached hardship letter XXXX. I never defaulted on XXXX XXXX XXXX XXXX TPP payments nor did I default on a XXXX XXXX XXXX XXXX loan modification, which means that I remain eligible for XXXX XXXX XXXX XXXX presently. The denial ( attached for your review ) clearly states that I failed to return the final modification agreement, which is not an ineligibility factor coupled with the fact that 12 months have passed since that occurred.
Also, I have already put in multiple requests ( work orders ) for underwriting to submit a valid explanation as to why I am not eligible for XXXX XXXX XXXX XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 that have not been answered to date. I have scheduled multiple calls with the Ocwen relationship manager, XXXX XXXX, and even she could not provide a valid explanation as to why I am not eligible for XXXX XXXX XXXX XXXX on XXXX/XXXX/15 during a scheduled call when she suggested that I escalate the issue to the Ombudsman department and confirmed that underwriting has failed to provide an answer to the work order submitted on XXXX/XXXX/15 and XXXX/XXXX/15 regarding the issue ; the work order was never completed.
( XXXX LOAN MODIFICATION OFFER - ISSUES ) I was offered a Shared Appreciation Modification ( XXXX XXXX loan modification from Ocwen Loan Servicing , LLC per the attached correspondence dated XXXX XXXX, 2015, that was set to begin on XXXX XXXX, 2015.
The initial issue with the XXXX loan modification offer, set to begin XXXX XXXX, 2015, was that it was not sent out to me until XXXX XXXX, 2015, and was sent regular mail so that I did n't receive the offer until the afternoon of Friday, XXXX XXXX, 2015, as evidenced by the attached USPS tracking confirmation. I contacted Ocwen on XXXX/XXXX/15 to obtain an advanced copy of the loan modification offer and spoke with an Ocwen representative by the name of XXXX XXXX XXXX Agent ID # XXXX ) who incorrectly informed me that it was mailed out on XXXX/XXXX/15 via 2-day priority mail, which was not accurate ; the XXXX loan modification offer was actually mailed out on XXXX/XXXX/15 via regular mail, which took 5 days to receive while up against a XXXX/XXXX/15 payment/acceptance deadline.
The next issue with the XXXX loan modification is that there is no accompanying appraisal, which makes it nearly impossible to determine whether the " appreciation '' share portion of the XXXX loan modification is appropriate or feasible and further makes it impossible to understand the appropriate principal forgiveness amount. I have never heard of a XXXX loan modification offer that does n't include an appraisal as well as a reasonable time frame in which for a borrower to review and accept an offer for assistance ; in this case, Ocwen did not provide an appraisal and only allowed for 5 days for me to review and accept the dubious XXXX loan modification offer, which was extended to me after only a 5-day XXXX review period. An agent with Ocwen named XXXX XXXX Agent ID # XXXX ) was contacted on XXXX/XXXX/15 and he conveyed that the appraised value was {$160000.00} but on XXXX/XXXX/15, a different Ocwen agent named XXXX XXXX ( Agent ID # XXXX ) stated that XXXX was incorrect and that Ocwen can not provide appraisal values over the phone but that I would receive it in the mail. I never received an appraisal, which warrants further questions about the XXXX loan modification offer.
Please help me to understand all of this and the XXXX XXXX denial!
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| 03/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We are in Foreclosure and have a law day scheduled for XX/XX/XXXX. Our original note was XXXX of XXXX. Similarities exist in regards to other previous complaints in addition to a landmark class action suit by XXXX and XXXX, where XXXX bank XXXX now PHH was fined by the SEC for securities fraud and ordered to pay damages in XXXX. Here a few similar complaints to oursXXXX for not accepting payments, XXXX for denying forebearance and not accepting payments, XXXX for misapplying payments by wire, XXXX payment not posted but cleared. It seems our good credit was used with many other loans to reconfigure their balance sheet and make a group of loans re-sellable to the secondary market after their demise in XXXX of XXXX.
In XXXX of XXXX I was contacted out of the blue by XXXX XXXX of XXXX for a loan Modification. XXXX XXXX XXXX now works for XXXX in XXXX Texas where part of XXXX was located. When I questioned why are we so lucky to receive a rate reduction he explained just in case something happens to assist you moving forward. I also asked whats the catch, XXXX went further to describe only the rate changes. This is predatory lending and a bait and switch Where the Mod was turned into a REFI, with high pressure to sign quick before rates change or the terms expire. I have a pre approval and approval letter dated the same day. Application with many items prewritten or boxes pre-checked off was sent and this note was signed in Florida with notaries rather than an attorney. even though we live in CT. We never received a signed note and the green cards appear unsigned. Upon PHH submitting the note as evidence for a summary judgement I noticed everything changed from discussion and we basically took their word for it and signed our rights away with new and changed terms, more in line with a Modification. In all mediation sessions the XXXX note was always referred to as a Modification. The Application documents have been attached.
In the app documents you can see where XXXX changed ( wrote ) the Assets by doubling the overinflated appraised value ( XXXX ), then listed it twice. The loan to value was calculated at 62 %. The approval letter states they may sell the loan but a decision was not made yet. XXXX XXXX was assigned prior to origination somehow, which is before the merger date or origination of funds. This is a XXXX XXXX XXXX and does not require a 4506T, but XXXX asked for one, making this also look like a MOD and helped them to ascertain where my good credit at the time fit to resell a group of loans. They never verified my income as well. The RESPA and truth in lending appear to not be signed and the submitted court documents have signatures blacked out? After job loss and family medical, the loan did get difficult to pay and we had Mods in XXXX, XXXX and XXXX. These Mods have similar terms and structure to the bogus note from XXXX.
In XX/XX/XXXX we were denied Forebearance after a Disaster Declaration was activated in CT for a Tornado. We had cleanup damage that would not be covered by insurance which caused hardship. In XX/XX/XXXX Forebearance was mysteriously approved with the same income. XX/XX/XXXX a service transfer from XXXX XXXX to PHH occured. My 4th Forebearance payment was not accepted by phone according to PHH written instructions. In good faith, I submitted my payment to the last servicer and the payment posted late, ending our Mediation from their error. The mediators report reflects misguided payment.
We wish to keep our home which is owner occupied. We also belong to more than one protected group in addition to family medical where out of pocket expenses also caused hardship. We are in a better position now to repay the original terms that XXXX stole after failing in XXXX of XXXX. Since XXXX til now this has been beyond stressful to me and my family and got in the way of acquiring meaningful and rewarding employment. How we sustained this long is a miracle and we have numerous blessings to count.
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| 09/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Sad to inform that XXXX Bank along with XXXX XXXX XXXX that Today is Ocwen 's are taking care ff my loan .Therefore when the economy meltdown of 2008 happened, My business of more then 15 years felled apart as well, leaving me among many homeowners at the mercy of my bank institution.
Since beginning of my nightmare I perceived that would be hard to get any help from them. On the contrary as i stated before along with the company they hired to handle my loan. They tried to sell my home even before 21 day required by law. By accident I found out and fighted in court about this injustice that was about to happen and the sell was stopped.
There was lots of discrippency that happened in my loan that cost some home owners have their foreclosure case stopped. But now it looks like some states the law changed to accommodate their wrong doing.
Such as They tried to foreclosure me would out proper papers in court Such as : XXXX Assignment of the mortgage ( it was done 2 years after the case went in foreclosure ) I mean they could had sold my house even with out the assignment of the mortgage been in court.
_when they filled the assignment of my mortgage it was done improperly, They had hired the Lawyer XXXX . He became well known lawyer who allegedly filing false and misleading mortgage documents.When you look at my assignment of mortgage you will see all over signature of XXXX XXXX. They presented him as officer of MERS..On my papers it shows him as the one who signed the assignment of my mortgage, but had not position, or authority to sign any legal assignment of mortgage. As many court case stated and some even won on those arguments.
_ at time in court lawyer XXXX stated they had lost the mortgage note and had no knowledge of it whereabout. Now out of the blue, the note is there, Many time I requested a forensic of my note and they have ignored me.
But now more then all, I have though the years requested a modification. They had ignored or when they gave me was a modification that could not help due to enormous amount of money they wanted me to pay even though my monthly income was lower then the mortgage monthly payment they were giving to me.
My financial situation has changed drastically. And now I can afford to pay my mortgage I requested a modification. and look what they told me Please be advised that the modification was denied as we are unable to offer you a proprietary modification as the owner and/or insurer of the loan did not approve the loan modification request So now XXXX bank does not want to help me .and they are the trustee or the owner of the mortgage, Which I'm not really sure if they really are, because my mortgage was sold so many times in the XXXX XXXX, i believe that is the reason they don't have the actual note. They don't know who is the investor.
I requested My PSA so I could compare with what I have and they ignored me totally as well. At one time they said they were sending me one and it has been more then 2 month and they never send me a copy.Because if you look at my PSA it has nothing saying the investor has any saying on a modification .If it is not true I ; m requesting from them to show me the prove that the PSA says investor does have a say on a loan modification. If you decide to act in a good conduct please tell your associate to let my house to be modified. Otherwise, basically they are doing as always whatever they want and have no regards for the law.
So, my question is when some one will stop them?
It has been years after year XXXX Bank has done some much wrong with the home owner. They have enriched them selves at the cost of many americans like me loosing their home.
I need some one to look at this and help me.
I have the money to pay my mortgage. Do they prefer to give my house to someone else instead of me the owner? How cruel is that? Is that fair? Why they don't want to work with me? Are they trying to make more money out of my house as they did before?
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| 04/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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This is the third complaint to the CFPB on this death/assumption/modification closing. No one seems to be on the same page. They have sent all the same paper work requesting executorship for my daughters estate before they can talk to me? I have received two packages now of final paperwork which has already been signed notorized and returned to OCWEN. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate? Legally you can not do this. The loan was transferred to XXXX who is now requesting {$8000.00} instead of {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : 188 months? Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : 213? REMAINING AMORTIZATION TERM : 245? Modification Effective date : XX/XX/XXXX? Loan Maturity Date : XX/XX/XXXX. I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of. I was promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously appraisals, inspections, title search which was charged more than once etc. when this loan was paid off? No one addressed this and now OCWEN is saying this never happened? Why would I lie. Is it a technicality that transfer does not mean paid off? Ocwen is now requesting estate documents before they can talk to me? Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement. The payments are current to XX/XX/XXXX and all payments were made as agreed per the contract we are into 7 payments and no one is paying attention. All documents have been provided after CONTINUALLY CONTACTING OCWEN and finding someone who explained that most people there do not know whats going on and he sent the final documents to me. The modification payments first started in XX/XX/XXXX. My personal information and paper work was sent to the wrong place. My personal information was sent to an attorney who was no longer my attorney. I did not want my information shared or breached with anyone. No one is addressing this issue? So there were mistakes and servicing errors from XX/XX/XXXX up until now. NO FINAL DOCUMENTS WERE SENT IN XX/XX/XXXX. The first modification payment was made in XX/XX/XXXX again when I FINALLY received the paperwork from that mixup and servicing error. The same servicing error has occurred again in the finalizing of the documents. The only thing I could do is continue making the payments which I did and will do until these errors or corrected. OCWEN needs to own up to these mistakes and make things right for their mistakes. Sure I finally got the documents to notorize and finalize this transaction. OCWEN can't just say I did not do this in XX/XX/XXXX because I could not, because I did not have the documents then, just as I did not have them in XX/XX/XXXX when they were sent to someone else. The final documents were not sent in XX/XX/XXXX as stated. Only to find that OCWEN is trying to say that the contract has not been finalized with everything that has gone wrong with this entire process because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.
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| 06/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. Please accept this letter of representation regarding our clients XXXX and XXXX XXXX . We are writing this letter in an attempt to resolve a servicing error that was committed by Ocwen Loan Servicing LLC. Ocwen, in its capacity as loan servicer of my clients loan, failed to take reasonable care in servicing that loan. More specifically, Ocwen failed to monitor and adjust XXXX XXXX mortgage payment accurately, as required by the Deed of Trust signed at the closing of the loan. Furthermore, Ocwen has added over sixty-five thousand dollars ( {$65.00}, XXXX ) to the XXXX loan as a result of this error. The servicing error prevented XXXX XXXX from being able to make an informed financial decision in connection with her loan. Moreover, had the loan payment adjustment occurred in a timely manner, XXXX XXXX could have actively pursued refinancing of her performing loan to obtain more favoranle terms in reaction to the reset. Lastly, this error caused XXXX XXXX to fall behind on her loan and become delinquent. On or about XXXX XXXX , XXXX XXXX XXXX signed a loan with XXXX XXXX XXXX in the amount of {$370000.00}. This loan was an option ARM five-year interest only loan. I note here that this loan is typical of predatory subprime loans that were generated at the height of the mortgage crisis. As was typical for borrowers of this particular type of loan, my clients fell behind on their payment and were approved for a modification of their loan on or about XXXX XXXX , XXXX . The modification also included an interest only period which ended XXXX XXXX , XXXX . XXXX XXXX XXXX , then, transferred the loan to Ocwen Loan Servicing . On or about XXXX XXXX , XXXX , XXXX XXXX contacted Ocwen Loan Servicing on numerous occasions to inquire about the eminent scheduled loan payment adjustment. She was repeatedly advised by Ocwen that no adjustment was scheduled. After several attempts to bring this matter to the companys attention, and after advice by Ocwen t hat no adjustment was scheduled, my client believed that Ocwen serviced her loan accurately. The XXXX then continued make timely payments on thier loan. On or about XXXX XXXX , XXXX , my clients received a letter from Ocwen acknowledging that they failed to follow the executed modification agreement and subsequently proceeded to increase the XXXX payment from {$1100.00} to {$3200.00} without offering any type of mortgage assistance to cushion the blow of having her payment increase three times the original monthly amount. Further, Ocwen added an additional {$66000.00} to my clients loan balance that resulted from Ocwens improper loan servicing.. Ocwen has violated 12 CFR Part 1024 ( Regulation X ), which governs the servicing of mortgage loans. As you are aware, sectio n 1024.38 ( b ) ( 1 ) ( ii ) st ates, A servicer 's policies and procedures must be reasonably designed to provide for promptly obtaining information from service providers to facilitate achieving the objective of correcting errors resulting from actions of service providers, including obligations arising pursuant to 1024.35. Furthermore, as required by Regulation X, Servicers must develop policies and procedures that are reasonably designed to enable servicer personnel to identify all loss mitigation options available for mortgage loans currently serviced by the mortgage servicer . ( 1024.38 ( b ) ( 2 ) ( ii ) ). In conclusion, due to major servicing errors committed by Ocwen Loan Servicing , my clients monthly payment increased exponentially to more than three ti me the original amount. Please contact me directly should you have any question regarding this issue. You may reach me by telephone at ( XXXX ) XXXX .
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| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Problem sinc e refinancing with XXXX XXXX . Since then, names have changed or moved to- XXXX XXXX e Littion ocwen Paying nonstop- never missed payments XXXX XXXX XXXX though did ask for proof of real estate tax payments because I was paying on a monthly program ( apply and got monthly installment program before buying house- and no problem with XXXX XXXX my first Mortage ) Th ey got proof and a letter from the city vertiflying I paid. XXXX says I did not even after proof. My house has XXXX houses with the same number and for some reason Texas division refuses to acknowledge that. Never a letter from XXXX XXXX to stop paying taxes that way. XXXX took over- and that send me a act XXXX ? What number - threatening me because of XXXX missing payments I sent XXXX XXXX XXXX packages with copies Front and back of checks showing the so called missing payments that was not missing Never a letter back Never a response ever I did show this to XXXX attornies and they did not tell me how serious this was- and did not take me on Though XXXX attorney wrote a letter on my behalf about the fact I was paying the real estate taxes on a monthly program I continue my path until the end of XXXX when I was kicked off the monthly installment plan. Not because I was missing payments but because I was payin g 2-3 months at a time which I have been doing sinc e XXXX . Never a letter telling me to stop doing it that way. Just kicked me off. Then later on I found out th e Mortage company is trying to foreclose on me. Never found out the true facts until XXXX 2-3 years ago on the last month of me fighting foreclosure on my own because attornies did not want to deal with me. I had help from XXXX XXXX who set up papers for me. XXXX attorney who looked my stuff in XXXX could have stop this foreclosure back in XXXX because of my hearing loss ( feel that is part of it ) and my locked gate. XXXX XXXX XXXX did not ask the right questions, they hurt me more than help. XXXX and I were talking to Ocelon and every check they say they did not get, I showed Front and back of showing payments. XXXX my only XXXX speaking relationship counselor sta ted on the phone I paid every time but he did not explain the foreclosure business. No attorney could - the Mortage company di d not/ n ever did respond in any time what the real issue is. Wh en XXXX XXXX took over in XXXX of t he last year I was fighting foreclosure., they never answered any of her requests for answers up to XXXX . The city got her for me. XXXX let me go two m onths ago because they do not do repa ( Mortage company took money and never acknowledged it t ) th is XXXX XXXX attorney figured out the real issue which was I was paying real estate taxes on a monthly program. Never did any Mortage/ servicing company stated they wanted to stop this That is simple enough If they wanted me to stop that- a letter would have worked It is funny they to this day do not state this as a reason To this day not respond to my attorney or me They did know I was paying real estate taxes because they were paid back by the city -- therefore knowing I was paying XXXX and Littion wer e both paid back. City never told me that they were paid twice And there WAS NEVer any acknowledgement that the city paid them back And never an acknowledgement that they used my Mortage payments to pay real estate taxes Except in their number sheets since XXXX - states supend forebearance They are threatening foreclosure again They do not send me statement billing so I wait until possible last minute. Please help- they are crooked Feel they want to take away home because I am an nothing person- XXXX XXXX and oldish Courts lacked understanding of my XXXX XXXX I am not XXXX Only XXXX judge understood This is not right Please help Got thisvthreatening foreclosure thing today and it is not right
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| 08/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have owned our home for 15 years and are facing foreclosure because of an accounting " error '' by our former servicer Ocwen. We received a notification in XX/XX/XXXX that they had made an error and undercharged us {$150000.00} over a period of 4 years and that we needed to immediately pay that lump sum to reinstate or they would initiate foreclosure proceedings against us. We tried to get some clarity and answers as to what happened and even hired an Attorney to contact them. Instead of explaining themselves PHH ( to whom the servicing had been transferred ) sent a payment history showing that we had paid our mortgage as agreed for 9 consecutive years and then suddenly a charge of {$150000.00} appears in XX/XX/XXXX. We have tried to work this matter out with PHH and they have been difficult to deal with and we need your agency to investigate this issue with Ocwen and PHH, as it relates to Ocwen violating the Periodic Statement Rule ( 12 CFR Part 1026 ( Regulation Z ) which requires mortgage servicers to provide homeowners with prompt regular and accurate information on their mortgage loans. For over 4 years Ocwen did not accurately provide correct statements to us.
We bought our home with a 100 % purchase loan through XXXX XXXX back in XX/XX/XXXX. Our loan was then transferred to XXXX and in XX/XX/XXXX during the recession and after job loss we applied for and were approved for a loan modification. There was a period of 5 years with a fixed payment of {$1800.00} with an interest rate of 2 %. After the 5 year period the modification stated that the loan would revert back to the original terms. We made all of our modification payments as agreed and the loan was transferred to Ocwen sometime in XX/XX/XXXX. As we got close to end of the modification term, we contacted Ocwen to discuss our financial situation. We informed them that we were still in a tough place financially and were not sure we could make the increased payment after the term ended. The agent at Ocwen informed us that they had no record of requiring any type of increased payment and that their system showed that we just needed to keep making the same payment we had been making before of {$1800.00} Our mortgage statements over the next four years continued to be mailed to us, listing the payment of {$1800.00} and we continued to make the payment and were considered in good standing on the mortgage. In XX/XX/XXXX we received a letter stating that Ocwen had made a mistake and undercharged us {$150000.00}. Initially their agents demanded that we pay this amount in a lump sum which was not possible. We were eventually able to initiate a review for a loan modification and eventually were approved with a monthly payment of {$5900.00} which is nearly half of our monthly take home income. The payment is so high because our principal balance was increased to {$750000.00} because of the 4 years of mistakes made by Ocwen.
This is not acceptable and the way this matter has been handled is outrageous. Ocwen 's agents assured us that our payment was not changing or increasing. This ended up being a misrepresentation and a fraud. PHH should not be able to come in and take over the servicing of this loan and suddenly claim that this is all our fault and that our finances and life are going to be destroyed because of incompetence. We are not denying that we owe the principal payments owed for those 4 years. But we question how you can charge us interest on this amount. Ocwen did not just charge us interest in the 7 % to 8 % range, they adjusted it upward even though that was not part of the terms of the contract. We have documented this in statements Ocwen sent us right before PHH took over the servicing of the loan. We are good people who have paid our bills on time our entire life and suddenly through no fault of our own we are thrown into this disastrous situation. We need some oversight and investigation so that there can be a fair resolution.
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| 03/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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On XXXX/XXXX/XXXX, I received approval correspondence dated XXXX/XXXX/XXXX, from Ocwen to enter into trial period plan under HAMP & instructions on how to accept the offer. In that approval letter, it states that in order to accept the trial period offer, " you must make the first monthly trial period payment by the date show below. '' As you can see on page XXXX, the date of the first payment is on XXXX/XXXX/XXXX. As of the date of this filing, the trial period payment is not due until XXXX/XXXX/XXXX, therefore, there is not a denial or failure to comply with the terms of the offer/agreement.
Further, on page XXXX, it states " If you accept this offer by making the first trial period payment in a timely manner and you continue to make all other trial period payments in a timely manner and otherwise comply with the terms set forth herein, we will not conduct a foreclosure sale. '' Page XXXX states " The terms of the trial period plan below are effective on the date you make your first trial period payment, provided ( i ) you make such payment on or before XXXX/XXXX/XXXX ... '' Then it states " If you accept this offer as described above and otherwise comply with the terms of the trial period plan, we will not proceed with foreclosure sale during the trial period. '' Page XXXX is the Trial Payment Plan Coupons stating the date the first, second and third payment is due.
On XXXX/XXXX/XXXX, we received the attached notice from The XXXX XXXX XXXX, XXXX, indicating that there is a foreclosure sale on the property. Upon further investigation, we found the property listed on the XXXX website with a sale date of XXXX/XXXX/XXXX, as well as the XXXX XXXX XXXX ' website with a sale date of XXXX/XXXX/XXXX. We also found the legal advertisement public notice, advertising the sale of the property for XXXX/XXXX/XXXX.
Per the National Mortgage Settlement, which requires Ocwen to comply with the new standards, and the XXXX/XXXX/XXXX CFPB Rules, we have completed and submitted the loan modification application with all attachments timely, post referral to foreclosure, we received an approval letter, and we have NOT rejected the offer or failed to comply with the terms of the offer, such as trial modification.
Exh. A of Ocwen Servicing Standards, Section IV ( B ) ( 8 ) states : If, after an eligible borrower has been referred to foreclosure, Servicer receives a complete loan modification application more than 30 days after the Post Referral to Foreclosure Solicitation Letter, but within 37 to 15 days before a foreclosure sale is scheduled ... and, if the borrower is extended a loan modification offer, Servicer shall postpone any foreclosure sale until the earlier of ( a ) 14 days after the date of the related evaluation notice, and ( b ) the date the borrower declines the loan modification offer. If the borrower timely accepts the loan modification offer ( either in writing or by submitting the first trial modification payment ), Servicer shall delay the foreclosure sale until the later of ( if applicable ) ( A ) the failure by the Servicer timely to receive the first trial period payment, and ( B ) if the Servicer timely receives the first trial period payment, after the borrower breaches the trial plan. Section B ( 11 ) states : Servicer shall not move to judgment or order of sale or proceed with a foreclosure sale under any of the following circumstances : a. The borrower is in compliance with the terms of a trial loan modification, forbearance, or repayment plan.
I have reviewed the approval offer from Ocwen, and see no other instruction on " acceptance '' offer than to make 1st payment on or before XXXX/XXXX/XXXX. Verbal acceptance, although NOT instructed by Ocwen, was given via email. The offer was dated XXXX/XXXX/XXXX and 14 days from that date is XXXX/XXXX/XXXX, so there is not a breach in the terms of the offer, despite Ocwen instructing 1st payment on XXXX/XXXX/XXXX more than 14 days after the offer.
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| 02/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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in XX/XX/XXXX, Ocwen accelerated our note despite no default. We won THREE times due to NO STANDING & once for false caption ; their next appeal is next month. In the course of defending we found they are allegedly representing a dead entity using proof of ownership somehow provided by a lender that also does not exist. They have a copy of an unendorsed note only - that I provided. They have used a rotating cast of fantastical undated allonges that are voided/replaced/reordered based on each loss to try to correct the deficiencies found by the court. The final allonge - undated but alleged to have occurred in XX/XX/XXXX was signed by a former handyman who only began working for Ocwen in XX/XX/XXXX - and is now signing as the trust 's attorney in fact.In XX/XX/XXXX they recorded an " assignment '' allegedly created by MERS on behalf of a lender defunct for 10 years, directly into a trust that has been closed for 10 years. The assignment instructions say return to Ocwen - yet the address given is XXXX in Idaho. The " investor '' MERS listed PRIOR TO the assignment WAS NOT the alleged conveying lender on the doc ( and in fact that lender has never been listed in MERS. ) The investor MERS listed AFTER the alleged assignment is NOT the recipient trust to whom they claimed it is now assigned. They have recently " discovered '' a new loan mod that we allegedly signed in XX/XX/XXXX ( with a fax number at the top belonging to XXXX - dealmaker for the alleged owner trust ) My husband 's signature is obviously, comically forged and my signature appears to have been cut and pasted. The alleged loan mod did not change our payment - it simply changed the interest rate of the original note. They have terrorized us for five long years. Their lawyers went to my child 's school, they tried to keep my son from XXXX, have broken into our home, hurt our dog, and have repeatedly gotten me fired. They send open carry " inspectors '' to our home ( and claim we owe them for dozens of such " inspections '' and property valuations, ranging in price from XXXX, as well as yearly forced place insurance despite the fact that we have never had a gap - at XXXX per year ) In looking over these charges recently, it looks as though they may be keeping multiple sets of books. For example, on appeal at the end of XX/XX/XXXX, the alleged " escrow balance '' was {$4000.00}. Yet on the Spring XX/XX/XXXX " preforeclosure '' notice - the escrow balance was {$37000.00}, while the " monthly bill '' for XX/XX/XXXX lists the escrow balance. as {$17000.00}. They have provided four different " transaction histories '' since XX/XX/XXXX - all of which conflict with one another, yet all of which, amazingly, show our payments being made and received each month! The ledger provided to the court in XX/XX/XXXX had NO BALANCES. The ledger provided 3 months later in the appeal brief ( the XX/XX/XXXX TXN History ) shows that in XX/XX/XXXX the escrow balance was XXXX - but after an alleged 4,000 disbursement, the escrow balance the balance ballooned to {$21000.00}. Ocwen stopped sending monthly statements in XX/XX/XXXX and the XX/XX/XXXX ledger stops on that date. They resumed sending demands in XX/XX/XXXX and sent another preforeclosure notice in XX/XX/XXXX - then afterwards CLOSED OUR ACCOUNT WITH THE CREDIT BUREAUS. ( closed since XX/XX/XXXX ) Then the next month, the new FC mill started FC proceedings. The XX/XX/XXXX ledger also stops in XX/XX/XXXX XXXX and has no escrow or principle balances ; they sued for note amt. of {$240000.00}. The XX/XX/XXXX ledger has a fee bal. of {$14000.00}, escrow bal. of {$21000.00}, prin. bal. of {$260000.00} ( they added XXXX to bal. XX/XX/XXXX as cost of loan mod - which we only did b/c they claimed we had n't paid in 6 months UNTRUE but it was agree or FC. ) I have bank certified proof of no default & all allegations, including letters from Ocwen 's ombudsman who LIED about original contractual amt., default & more.
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| 03/30/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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FOLLOWING THE GREAT HOUSING COLLAPSE AND BANK FAILURES, MY WIFE AND MY VA MORTGAGE SINCE XX/XX/XXXX AND ALWAYS IN GOOD STANDING FOUND THAT OVER A 4 TO 5 YEAR PERIOD AFTER COMPLETING A RE-FI JUST PRIOR TO THE BURST ; XXXX SOLD IT TO ONE OF THE XXXX AND CHANGED HANDS OFTEN FINALLY ENDING UP WITH XXXX.WHEN INTEREST RATES WENT TO NEAR ZERO AND ALTHOUGH MY WIFE AND I HAD CREDIT SCORES OF XXXX AND A RATE AT 6.4 % + I SAW AN ADD DIRECTED TOWARDS VETS WITH THE POSSIBILITY OF A RATE NEAR 4 % AND STATING THAT THE NEW DEAL COULD ALLOW 100 % OF THE HOMES VALUE TO BE USED AS OPPOSED TO THE 80 % CEILING FOR NON-VETS. THE COMPANY WE CONTACTED INFORMED US OF THE FACT OUR CREDIT RATING WAS GOOD AT XXXX FOR BOTH ME AND MY SPOUSE THEY STATED THE CREDIT REPORT STATED WE HAD FILED BANKRUPTCY CHAPTER XXXX WHICH INCLUDED THE HOME AND THAT THE SAID REPORT HAD NOT SHOWN ANY PAYMENTS BEING MADE ON THE MORTGAGE FOR WELL OVER ONE YEAR AND TOLD US THAT XXXX WHOM HAD BEEN RECEIVING OUR HOUSE PAYMENTS IN FACT HAD SOLD THE MORTGAGE TO OCWEN FINANCIAL SERVICES! I CALLED XXXX THEY CONFIRMED THE SALE AND SAID THEY WERE JUST IN THE PROCESS OF NOTIFICATION BUT NOT TO WORRY THIS WAS A SEAMLESS TRANSACTION NO WAY OF EFFECTING OUR CREDIT SCORE OR REPORTS.I WAS GIVEN THE WEB SITE FOR OCWEN IN WHICH THE SITE SAYS " HELPING HOMEOWNERS IS WHAT WE DO '' AND THEY PROVIDE A NUMBER FOR DIRECT CUSTOMER SERVICE.WHEN YOU CALL THE AUTO-ANSWER SAYS, '' THANK YOU FOR CALLING OCWEN, OCWEN IS NOT A MORTGAGE LENDER, OCWEN IS A DEBT COLLECTING COMPANY AND ALL XX/XX/XXXX INTEREST STATEMENTS HAVE BEEN SENT.I CHECK VIA XXXX OUR SCORES EVERY 6 MONTHS.EVER SINCE OCWEN HAS HAD OUR ACCOUNT NOW ON OUR XXXX TO XXXX SCORES THERE IS A STAR THAT STATES CLEARLY XX/XX/XXXX CHAP.XXXX BANKRUPTCY DISCHARGED SOME MONTH IN XX/XX/XXXX! THIS COMPANY WAS FINED {>= $1,000,000} BY SOME FEDERAL AGENCY FOR SOME FORM OF ILLEGAL LENDING AND WE DID GET VIA OBAMA 'S AID A HOME MODIFICATION WHICH DID LOWER THE INTEREST TO 4.3 AND THEY SENT A DISCHARGE OF DEBT OF PRINCIPLE OF {$17000.00} YET WE 'RE TOLD THAT WE NEED TO PAY A ADDITIONAL {$95.00} PER MONTH TO AVOID A BALLOON PAYMENT THAT FALLS IN 15 YRS. WE CAN EASILY AFFORD THE EXTRA {$95.00} PER/BUT I DO N'T REALLY UNDERSTAND WHAT IF ANY DEBT WAS DISCHARGED. I WAS CONTACTED BY A LOCAL LOAN OFFICER LOOKING INTO BUYING OUR MORTGAGE FROM OCWEN TO GET IT BACK WITH A REAL BANK AND SHE TOLD ME OCWEN IS NOT NOTATING THAT THEY ARE RECEIVING OUR HOUSE PAYMENT! THE LOCAL BANKER GAVE ME YOUR FOLKS NUMBER AND A LIST OF THINGS THAT OCWEN HAS BEEN TAGGING OUR REPORT WITH! SHE DESCRIBED IT AS BLATANT NIT-PICKING THAT MOST CREDITORS WOULD CONSIDER INSIGNIFICANT AT MOST.i HAVE HAD SEVERAL HEATED TALKS WITH OCWEN WITH REGARDS TO WHY THEY CONTINUE TO POST A CHAPTER XXXX BR IN WHICH THE HOME WAS NOT INCLUDED AND WAS DISCHARGED LESS THAN 4 YEARS LATER AND WHY HAD N'T IT BEEN ON THERE IN XX/XX/XXXX LET ALONG XX/XX/XXXX! AND WHY ARE YOU NOT REPORTING THAT WE ARE MAKING MORTGAGE PAYMENTS! THE ANSWER IS ALWAYS THE SAME WE 'LL GET BACK TO YOU.ON XX/XX/XXXX I DID IN FACT RECEIVE FROM OCWEN A LETTER THAT BASICALLY THEY WOULD NO LONGER BE FLAGGING OUR XX/XX/XXXX DISCHARGED BANKRUPTCY. THE LETTER WAS SHEER LEGAL-LEES AND ALTHOUGH FAR FROM STUPID, IT WAS, AND IS HARD TO TRULY DIGEST. EVER SINCE WE BEEN STUCK WITH OCWEN OUR CREDIT SCORE HAS DROPPED EVEN THOUGH I 'VE ELIMINATED ALMOST ALL DEBT AND OUR INCOME HAS GROWN WE 'RE NOT SEEING ANY IMPROVEMENT AND THIS DESPITE THE FACT WE TOOK SOME ADVISE AND STARTED TO GET A VISA CARD OR TWO TO ESTABLISH SOME REVOLVING CREDIT AS WE WE 'RE TOLD WHEN OUR SCORE WAS AT XXXX THAT BASED ON OUR NUMBERS WE WOULD HAVE A XXXX SCORE! MY WIFE AND I 'S AVG. SCORE IS NOW XXXX TO XXXX RESPECTFULLY. SINCE I HAVE BEEN TRING TO FIND A MORTGAGE LENDER TO GET AWAY FROM OCWEN THESE SAME BANK LOAN OFFICERS ARE TELLING ME AND MY WIFE THAT OCWEN IS WITHOUT QUESTION REPORTING AND FAILING TO REPORT IN A ATTEMPT TO UNDERMIND OUR CREDIT REPORT
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| 05/17/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I received a letter from the Mortgage company stated that they 'll impose an escrow fee for me that will be on top of the regular mortgage payments for insurance that they needed to re paid back. I was surprised that all these 10 years, since I bought the property in XXXX XXXX, CA.
No request or ideal as such came to my attention.Since the property that the mortgage company have the lien on was insured by the home owners association from the outside, I believed that it was sufficient for the mortgage company to be satisfied with.After I saw in my mortgage statements a new charge under " escrow '' description for : {$18.00} that I was questioned it since it never appeared before. When the mortgage company informed me that it was for inside insurance that they replaced on my expense, without my knowledge, I was very disappointed and surprised how could they automatically do it without my agreement to accept the new demand from them. I called to question this sudden extra new charge by them, and they explained that they 've sent me few letters to make an inside insurance to my property that they have the loan on, and I told them that no letter, came to my address with this new request. I 've asked them if they sent it certified in any time, and they could n't find any prof of mail sent certified. Therefore, I 've asked them to remove these extra charges from my account since I never received any request to do any of the inside insurance on top of the other insurance through the XXXX that I have for many years. They insist to charge me any way even though I already bought an inside insurance from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and paid for it the whole year in advance. They still wanted me to pay for a previous letter ( that I never saw or received ) from XX/XX/XXXX until : XX/XX/XXXX. I told them that a demand like it seems very injustice and wrong to automatically impose on my bill. They still claimed that they could n't reverse these charges for me since they 've sent me few letters to pick an insurance company ahead of their start up charges time, and I said that I never saw nor received any of these letters that they supposedly sent. They keeping on charging me from the total mortgage statement bill these extra amount for the insurance that they called : '' escrow '' in their specific description and I feel that they should n't charge me for a new request that never came to my knowledge to buy, at any time ( XXXX years since I have the loan with them ) And reverse those charges back from my account. They refused to do so, even though they ca n't provide the prof of any of these letters that they mailed to me.I spoke with the customer service department on XX/XX/XXXX.They 've asked me to send them a fax letter to the research department to address this issue, and still they ignored my request.On : XXXX/XXXX/XXXX I spoke with : XXXX.I.D. # XXXX and she could n't help me than.So, I 've asked to speak with her supervisor : XXXX.I.D. # XXXX on the same day:XX/XX/XXXX and she asked me to fax her again the same letter that I 've already faxed to the research department before.But she gave me a different fax number, which I did fax to her while she was on the phone with me. She still could n't confirmed that she received my fax, even though I got a confirmation in my end that it was arrived to her fax # on the same day. ( XXXX/XXXX/XXXX ). She told me that she 'll call me after she 'll see it, and I never received any phone call from her back. I called again on the XXXX/XXXX/XXXX and spoke to : XXXX. I.D . # XXXX and she said that this charges ca n't be reversed or credited back to me.I feel that they way that this mortgage company acted toward me was in a bad faith, they discriminate me and imposed charges that are injustice on my account without my knowledge and it 's unfair and wrong.And against the law.Thank you for all your help in this matter to solve this long, exhausting issue.
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| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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PHH Mortgage is our mortgage servicer. They purchased our loan from the original company OCWEN which initiated the loan modification in XXXX. In XXXX Ocwen mortgage company was to remove the forgiven amount of {$350000.00} from our account. Ocwen mortgage company refuses to remove loan modification forgiven debt from our account because they say we were 3 months late on mortgage payments which voided the contract for the loan modification. Ocwen has since deferred the forgiven monies of {$350000.00} and added that amount to our total mortgage amount. Until that forgiven monies gets removed from our account we are unable to refinance. The home has a 2nd mort in the amount of {$120000.00} which was not included in the loan modification add to that the FORGIVEN amount of {$350000.00} and then the principal owed of {$190000.00} bringing the total owed on this house of XXXX. The house is valued at {$400000.00}. We did receive a 1099 for forgiven {$350000.00} amount and had to claim this amount was forgiven to the IRS. When the mortgage company was questioned on why they would not remove the forgiven amount I was told it was due to being 3 months late and to get with the IRS and have THEM undo the tax return regarding the forgiven monies we had to claim. I have provided doc which says we were never 3 months late as stated by Ocwen which is their reason for not honoring the loan modification. The only reason we late at was due to the insurance issue and Ocwen not allowing us to make any payments. I have provide the attached documents proving we were never 3 months late and therefore Ocwen needs to remove the forgiven monies in the amount of {$350000.00} from our account as agreed on in the loan modification contract.
On XX/XX/XXXX we paid {$1800.00} for XX/XX/XXXX payment.
On XX/XX/XXXX we paid {$1800.00} for XX/XX/XXXX payment.
On XX/XX/XXXX we paid {$1800.00} for XX/XX/XXXX payment.
see attached doc These payments were trial payments that had to be made in order for Ocwen to approve the loan modification. In XX/XX/XXXX contract doc from ocwen stated mortgage would be $ 1250 monthly and we all signed doc completing the paperwork for the loan modification the XXXX of XX/XX/XXXX. In XX/XX/XXXX we received our 1st statement and the payment was {$1900.00}. This statement never said I owed for XXXX and was paid on XX/XX/XXXX. In XXXX the statement was higher and I was told it was due to insurance premium. I found another insurance company and the new premium is {$1400.00}. ( see attached ) XXXX payment was paid XX/XX/XXXX, due to that was when Ocwen allowed new insurance to take effect and altered our payment amount. The XXXX payment was paid on XXXX XXXX. ( see attached ) When we tried to pay the XXXX payment a week later we were told that Ocwen would not accept the XXXX payment and if I paid it they would send it back. Ocwen stated that I was behind 2 payments ( XXXX and XXXX ) and they would only accept the 2 payments together. At this time XXXX I owed XXXX and XXXX. On XX/XX/XXXX we paid {$6100.00}, because we had just done this loan modification we didn't have 2 months mortgage monies on hand. We had to take a loan from our TDSP in order to straighten out the 2 months ( XXXX & XXXX ) NOT XXXX & XXXX owed with Ocwen that is why it took until the middle of XXXX to complete. In order for the loan modification to be in default we needed to be 3 months late and it had to be late by the END of the XXXX month per the contract. This never happened as XXXX, XXXX and XXXX payments were paid XX/XX/XXXX. Ocwen wouldn't allow us to pay XXXX payment and then the XXXX payment in XXXX. They wanted both payments paid at the same time. That was just one example of the bank not working with us. Three payments of XXXX x XXXX = {$5600.00} we paid {$6100.00} please see attached doc.
Ocwen needs to honor the modification contract and remove the forgiven {$350000.00} amount from our account as agreed to.
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| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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Account Number - XXXX / XXXX Normal payments were automatically withheld from my bank account each month until XX/XX/XXXX.
Ocwen, XXXX, or its parent company, in error, misapplied a tax payment ( {$25000.00} ). The payment was applied to surplus funds and I received numerous calls from 3rd party vendors stating that I was entitled to lost funds. Ocwen, XXXX, or its parent company asked for a copy of the document indicating the error.
XXXX Countys tax office forwarded a similar surplus letter and Ocwen, XXXX, or its parent company was contacted.
XXXX County forwarded the surplus funds back to Ocwen, XXXX, or its parent company in XX/XX/XXXX.
A letter was forwarded from Ocwen, XXXX, or its parent company stating that a {$25000.00} payment had been received and the next scheduled payment was established for XX/XX/XXXX.
In error, Ocwen, XXXX, or its parent company misapplied the funds that created a large negative escrow account. An escrow analysis was performed and a new statement, payment amount ( {$1200.00} ), and payment date ( XX/XX/XXXX ) was established.
In XX/XX/XXXX, a call was placed to Ocwen, XXXX, or its parent company. It was mentioned that another error was made that resulted in a significant increase in the monthly amount. Ocwen, XXXX, or its parent company acknowledged the mistake and applied the surplus funds to the Escrow account.
The account was rebalanced and a statement was generated indicating a new payment ( {$830.00} ) for XX/XX/XXXX.
On XX/XX/XXXX, Ocwen, XXXX, or its parent company placed a call and mentioned that a payment for XX/XX/XXXX had not been received. A copy of the statement for XX/XX/XXXX was uploaded by email.
The representative for Ocwen, XXXX, or its parent company mentioned that payments for XX/XX/XXXX and XX/XX/XXXX had not been paid. It was mentioned to the representative that payments had been made to the account that resulted in rebalancing, new payment dates, and amounts. The representative mentioned that payments in the amount of {$570.00} should be made for both XX/XX/XXXX and XX/XX/XXXX.
A payment of {$570.00} was processed immediately but it was emphasized that such payments were being made until Ocwen, XXXX, or its parent company could correct issues. It was also mentioned that my account had to be maintained in a healthy status because of another mortgage loan application. A 2nd payment was scheduled within two weeks.
On XX/XX/XXXX another representative from Ocwen, XXXX, or its parent company called and mentioned that I owed {$1200.00} for XX/XX/XXXX and {$1200.00} for XX/XX/XXXX.
It was mentioned to a representative that a representative from Ocwen, XXXX, or its parent company had called on XX/XX/XXXX and a payment was made for {$570.00} for XX/XX/XXXX and the second payment in the same amount was scheduled for XX/XX/XXXX. The representative did not see the payment or note but mentioned that I owed {$1200.00} for XX/XX/XXXX and {$1200.00} for XX/XX/XXXX.
A request was made for an escalation team member or account representative. The account representative missed two appointments. The last appointment was not rescheduled.
Ocwen, XXXX, or its parent company rebalanced the account and forwarded another statement on XX/XX/XXXX and mentioned that the revised payment date was XX/XX/XXXX.
A 2nd request was forwarded that any account involvement should only be performed with someone State-Side ( within the United States ).
The corrected escrow payment was the only call handled within the United States. I am requesting IMMEDIATE ACTION.
Ocwen, XXXX, or its parent company has injured my credit record and ability to obtain a mortgage product with another company. In addition, Ocwen, XXXX, or its parent company has started solicitations to obtain a mortgage with their company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The dates correspond with my interest toward obtaining a mortgage product with another company.
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| 07/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX 2015 - escrow changed for my Ocwen mortgage payment from {$1000.00} to {$1100.00} to account for an insurance escrow I never requested. At this time the account was in good standing and paid up in full.
XXXX/XXXX/15 - Ocwen receives payment for {$1100.00} XXXX new pymt due amount ) to satisfy my XXXX/XXXX/15 payment.
XXXX/XXXX/15 - My bill pay changed back the payment to the old amount. A payment was received by Ocwen in the amount of {$1000.00} intended to satisfy my XXXX/XXXX/15 payment. Ocwen wrongly applied the payment to principle, instead of towards the payment.
XXXX/XXXX/15 - Payment was received by Ocwen in the amount of {$1000.00} intended for my XXXX XXXX, 2015 payment. Ocwen wrongly applied this payment towards principle.
XXXX/XXXX/15 - I call ocwen after realizing billpay reverted the payment amount, talked with XXXX at Ocwen who informed me that a check in the amount of {$200.00} by the end of the month would get me completely up to date and that there would be no negative mark to my credit.
XXXX/XXXX/15 - Statement arrives in the mail saying I 'm past due.
XXXX/XXXX/15 - Payment of {$200.00} was received by Ocwen to bring the account current. Ocwen wrongly applied the payment to principle, for the XXXX time.
XXXX/XXXX/15 - Received a call from Ocwen, XXXX XXXX ID : XXXX ) who called to collect on XXXX 's payment. I explained that I should be current. She informed me I was correct, and that Ocwen made a mistake with my {$200.00} payment and processed it to principle instead of my payment. She said they 'd readjust the loan. I requested confirmation in writing and email and provided my email address.
XXXX/XXXX/15 - I get a call from XXXX XXXX ID : XXXX ) who is now my " personal account manager. '' I tell him I already talked to XXXX and I 'm not sure why he called. He said he can see they are working on it. I set up an appointment on XXXX at XXXX for him to call me and confirm the payment has been applied correctly and confirm my account is in good standing.
XXXX/XXXX/15 - I received a past due notice from Ocwen, I received written proof of our {$200.00} payment, and I received a certified letter saying we are in default on the mortgage. One of the pieces of mail shows {$1100.00} being held as unapplied funds. I bring this up with XXXX at our XXXX meeting. At my request, XXXX goes through the above timeline. He confirms all the pieces related to payments, including when and how they were applied. He confirms that I should be completely caught up, and that as of right now, today XXXX/XXXX/2015, my next payment is due by XXXX/XXXX/2015. He also informs me that there will be no hit to the credit as I never went XXXX days past the due date. I inform XXXX that I am giving Ocwen exactly XXXX days to have the issue completely corrected and to have something in writing ( email okay ) by XXXX/XXXX/2015 confirming exactly what he stated, that I was up to date, and to detail each of the misapplied, reversed, and corrected payments. We set up an appointment on XXXX/XXXX/2015 at XXXX.
XXXX/XXXX/15 ( today ) I receive a call from XXXX XXXX ( id XXXX XXXX XXXX minutes late. XXXX is no longer managing my case and I am given no explanation why. I inform him the call is being recorded. He informs me Ocwen policy does not allow him to talk to me while he is being recorded. This is immediately after he tells me that I 'm being recorded. I end the recording to be able to determine the status of my account. He confirms the next payment is due XXXX/XXXX/15. When I ask about the status of the written confirmation ( see above ) he has no idea what I 'm talking about. I request it again, and HE TELLS ME THEY DO N'T HAVE TO SEND IT. I tell him that according to the fair debt collection practices act they do. He starts the process to have the " correspondence department '' send me the confirmation in writing. He says I will have it within XXXX business days to my email.
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| 04/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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CURRENTLY WE HAVEAL LOAN WITH OCWEN LOAN SERVICING '' WHICH APPPERNTLY FROM MY RESEARCH THE CFPB KNOWS ALL TO WELL AND ARE SUPPOSED TO BE " MONITORING THEM FOR CONTINUED ILLEGAL PRACTICES, BUT APPERENTLY ARE NOT DOING SO AS STATES IN A RECENT SETTLEMENT AGREEMENT BY CFPB AND ATTORNEY GENERALS.. SO I HAVE DECIDED TO PURSUE MY STORY IN THE PUBLIC WHERE QUESTIONS CAN BE ASKED AND PEOPLE ARE HELD ACCOUNTABLE, NEXT WEEK I WILL BE GOING TO ALL OUR LOCAL NEWS STATIONS WITH OUR STORY AS WELL AS MANY OTHERS UP TO AND INCLUDING THIS DATE XX/XX/XXXX I CALLLED " OCWEN '' ON SEVERAL OCCASIONS AND CAN NOT GET STRAIGHT ANSWERS RE : OUR LOAN. TODAY WHEN I CALLLED RE ; NOT RECEIVING OUR TAX INTEREST PAPERS FOR XX/XX/XXXX I RECORDED THIS CALL AS WELL AS MANY OTHERS WITH " OCWEN '' DUE TO THEIR DECEPTIVE AND ILLEGAL PRACTICES.I WAS TOLD TODAY BY A XXXX OF OCWEN LOAN THAT FOR THE YEAR XX/XX/XXXX AND UP TO AND INCLUDING TODAY XX/XX/XXXX THAT ALL OUR MRTG PYMTS HAVE NEVER BEEN CREDITED TO OUR MRTG ACCOUNT BUT ARE IN A " SUSPENCE '' ACCT ... THEY COULD NOT EVEN EXPLAIN WHAT THAT IS, ONLY THAT THEY DID SEE ALL OUR PYMTS BEING MADE BUT FOR SOMWE REASON NEVER BEING POSTED TO OUR MRTG ACCT FOR OVER 1 YEAR THIS HAS BEEN GOING ON, THEY ALSO ARE TRYING TO TAKE BACK A MODIFY CONTRACT AGREEMENT RE ; IF WE PAY OUR MODIFY AGREEMENT OVER 3 YEARS AND NOT BE LATE MORE THEN 3 TIMES A MRTG FORGIVENESS OF OVER XXXX WOULD BE FORGIVEN ON OUR LOAN, WHERE THEY EVEN ADDED THIS FROM WE STILL HAVE YET TO BE ANSWERED.. THEY SENT US THE MRTG FORIVENESS TAX PAPAERS XX/XX/XXXX AND XX/XX/XXXX BUT IN XX/XX/XXXX WHEN I CALLED ABOUT ANOTHER PROBLEM THEY SAID WE " MADE A MISTAKE '' ON THOSE TAX FORMS AND WERE REFUSING TO HONOR THE : DEBT FORGIVENESS '' THAT WAS ALREADY EARNED AS PER MODIFY CONTRACTED AND GRANTED BY OCWEN THEN THEY ARE TRYING TO ADD IT BACK ON TO OUR LOAN EVEN THOUGH WE ALREADY DID THE 3 YEAR MODIFY CONTRACT AND FINISHED AS PER THE TERMS.. TALK ABOUT ILLEGAL..WE ALSO RECENTLY REQUESTED A " PAYOFF '' QUOTE AS WE ARE SELLING OUR HOME THEY SAID THEY WOULD CHARGE US BETWEEN XXXX TO XXXX DOLLARS TO DO APPRAISAL AS WE HAVE A EQUITY SHARE AS OUR MODIFY CONTRACT BUT WOULD BILL OUR MRTG ACCT FROM XXXX TO XXXX DEPENDING ON APPRISAL AND WOULD NOT BE ABLE TO TELL US HOW MUCH UNTIL AFTER THEY DID AN APPRAISAL ... IS THIS SICK AND ILLEGAL.. THEY NEVER RESPOND TO WRITTEN REQUESTS WHICH IS ALSO ILLEGAL ... THERE ARE SO MANY WEBSITES WITH ALL KINDS OF ILLEGAL COMPLAINTS RE '' OCWEN '' I DO NOT SEE HOW THEY ARE BEING MONITORED FOR THIS AND STILL GETTING AWAY WITH THIS.. BUT I GUARANTEE YOU THE ' NEWS ' STATIONS WILL XXXX THIS STORY UP AS IT IS GOING ON LEFT AND RIGHT BY OCWEN LOAN ... I WANT THE CFPB AND ATTORNEY GENERALS OFFICE TO LOOK INTO OUR VALID COMPLAINTS AGAINST " OCWEN '' AND GET OUR ANSWERS THAT WE ARE NOT GETTING FROM THEM INCLUDING AS I SAID A VALID AND LEGITIMATE PAYOFF QUOTE ... THEY DO NOT RESPOND WHEN YOU CALL AND I HAVE TO MAKE APPTS WEEKS IN ADVANCE JUST TO TALK TO THE ONE AND ONLY PERSON " OCWEN '' SAYS CAN HANDLE OUR QUESTIONS.. I MAY LOSE THE SALE OF MY HOME AND THE PURCHASE OF ANOTHER IF WE CAN NOT GET THEM TO CORRECT THEIR ILLEGAL ACTIVITY ON OUR ACCT .... MY HUSBAND NEED TO HAVE AN AMPUTATION OF HIS LEG AND THIS IS WHY WE HAVE TO SELL OUR HOME BUT IF " OCWEN '' IS ADDING ILLEGAL FEES AND ADDING BACK ON THE MODIFY FORGIVENESS TO OUR LOAN AND HAS NOT BEEN CREDITING OUR MRTG PYMTS FOR MORE THEN A YEAR WHAT BUT PUBLICITY CAN WE DO ... THE CFPB IS WELL AWARE OF THESE GOINGS ON OF ILLEGAL ACTIVITY BY 'OCWEN LOAN '' IF YOU ARE SUPOSED TO BE CLOSELY MONITORING THEM FOR THIS WHY ARE THEY STILL DOING THIS?????? WE WANT A LEGITAMIT PAYOFF QUOTE SO WE CAN GET OUT OF OCWEN LOAN.WE ARE SELLING OUR HOME BECAUSE MY HUSBAND NEED AN XXXX DUE TO AN ACCIDENT.. IF THE CFSB CA N'T GET OCWEN LOAN TO TAKE CARE OF OUR ACCT AND LEGITIMATLY CREDIT US WHAT THEY ARE ILLEGALLY ADDING ONTO OUR LOAN AND NOT RESPONDING TO US. PLEASE HELP US!!
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| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The company is PHH Mortgage.
whom it may concern : When I first refinanced my home and switched to this company I called and spoke with someone on the phone about making my first payment and setting up autodraft. I gave permission to the man on the phone for the company to contact me via phone call, txt, and email. In XXXX I noticed the auto draft was not set up properly like I requested by phone when I first switched to this company. The money did not come out of my account. I called my lender and he suggested I downloaded the app. I went in the app to set up autodraft manually. It prompted me to make a payment bringing my account up to date before it would let me set up the autodraft. I did that, then set up the autodraft. I did not think I needed to go back and check this every month. That's why I set up the autodraft. Before I refinanced this house I have never had a late payment on my mortgage. I have all of my other bills set on autodraft as well for this reason. I have never had a late payment for anything else either. I have been recieving notifications from my XXXX app about my excellent payment history every month so I never thought anything of it. I believed the mortgage company was receiving payment automatically like I instructed. I never received a late notice or a 30 day late notice on my mortgage. Just a 60 day late notice directly from the XXXX app. I checked with my bank and they are showing where the mortgage company checked to make sure it was a good account on XXXX XXXX. That is all I am seeing but I know it made me make a payment before it gave me the option to set up autodraft. This is extremely disheartening. I am in the process of buying a bigger home for me and my XXXX XXXX. As a XXXX mom that is running a full time XXXX XXXX XXXX and raising these children on my own without any financial help this is detrimental to all of the progress I have made over the past 5 years. I can't even put into words how hard I work and how hectic my days are. Autodraft is a necessity for me. I wish I would have recieved some type of notification immediately if there was an issue with my account. If it is 1 day late that is a major problem to me. If I do not get this taken off of my credit report asap I will lose the home I am under contract for. It would set me back another 2 years before I could even attempt to purchase a home again. My children really need the space this new home will provide. I will do whatever I need to do to fix this situation. I can make 4 payments immediately if that would help anything. I am pre-approved for a mortgage 4 times the amount of this one. I planned on keeping this note and making our current residence that is too small for us a rental. What I am requesting is for you to remove the delinquency from my credit report immediately and a letter from the mortgage company stating it has been removed. For someone to make sure my autodraft is set up correctly ( I went back into the app and attempted again to set it up ), and to make sure that I am current on my payments. Money is not an issue. I need someone to double check that they have on file permission to contact me by phone, txt, or email if there is ever any issues! I wholeheartedly feel this was a system error or an error on their side in general. I am reliable, consistent, and spend every waking day doing nothing but helping other people. Today I am the one who needs help. I called and spoke to 2 different people yesterday XX/XX/2022 for over and hr. The only help they offered was that I fax my issue in for review. They didn't offer to help me make a payment by phone to bring my balance current. They didn't offer to help me make sure my autodraft was currently set up correctly. I need this taken off my credit report immediately. I need a letter stating it was taken off for me to give to my lender. I need someone to make sure my balance is caught up and autodraft is set up correctly.
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| 05/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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On XXXX/XXXX/XXXX myself, and my mother, purchased a home as my primary residence.I had moved back to the U.S after living abroad and had no credit history, my mother was the only person on the note, the property is deeded to both of us.The loan, issuedby XXXX, was a XXXX Arm interest only at 6.375 % based on the 6 month libor plus 2.75 %, and due to adjust in XX/XX/XXXX.The 6 month libor in XXXX XXXX was 0.395 %. The new adjusted rate would have been 3.5 % .The loan amount was $ XXXX.In XXXX XXXX OCWEN, the new servicer of the loan, made contact with my mother offering a loan modification, neither of us had sought.The offer was to change the XXXX interest only loan to a 30 year fixed fully amortized mortgage with a new maturity date of XXXX/XXXX/XXXX and to reduce the principal balance by {$35000.00} to {$360000.00} and not to pay the XXXX payment.At no time during the conversation with the OCWEN rep was XXXX to us that there could be tax consequences. OCWEN did not require from my mother or myself any paperwork such as pay statements, or any other proof of loan eligibility.OCWEN required that both of us sign the loan modification agreement, have it notarized and sent back. Neither of us could understand why OCWEN was generous.The property was underwater when considering value and is today.We received the loan modification form for signature.The new agreement included both our names, remembering that my mother was the only original signatory and per paragraph XXXX on page XXXX. '' Borrower hearby renews and extends all indebtedness evidenced by the note, and jointly and severally promises to pay to the order of Lender the pricipal balance. " ... therefore making me also liable for the debt, whereas I was not before.The loan modification agreement was signed by us and notarized on XXXX/XXXX/XXXX and sent to OCWEN. The agreement was then signed by OCWEN on XXXX/XXXX/XXXX. However, on page XXXX, paragraph XXXX ( v ) ( b ) the agreement innocuously states. " such forgiveness may have tax consequences '' Considering, the property is my primary residence, I am now liable for the loan, I make the payments, I have been writing off the interest on my tax returns, the tax law of XXXX that debt forgiveness for primary residence being not a taxable event we disregarded the paragraph. In XXXX XXXX, my mother was audited by the Internal Revenue Service for the tax year XXXX and after completion of the audit, the only item brought up in the results of the audit was a XXXX issued by OCWEN for the forgiven debt and one month 's interest payment for XX/XX/XXXX.This was the first time that we knowledge had been a XXXX issued. As stated before, OCWEN did not disclose that a XXXX would be issued and or did either My mother or I receive a XXXX from OCWEN. " May have tax consequences '' is not the same as " will be issuing a XXXX ''. This is not stated in the loan modification agreement or disclosed to us verbally or in writing.Due to the fact that neither my mother or I had declared the XXXX on our tax returns, we believe the XXXX had triggered the audit. A copy of the XXXX was provided by the IRS to us as OCWEN was not able to provide one and was only made available after OCWEN was summoned by the IRS to provide a copy. The XXXX is only in my mother 's name. Considering the property is not her primary residence, this made the debt forgiveness a taxable event and a {$12000.00} bill followed. On XXXX XXXX, XXXX, my mother spoke to XXXX XXXX at Ocwen requesting the XXXX be issued in both names, so I could revise my XXXX tax returns and declare the debt forgiveness.An email response stating because my mother was the only person on the note issued on XXXX/XXXX/XXXX, the XXXX can only be issued in her name.On XXXX/XXXX/XXXX, we again requested that a XXXX be issued in both names because OCWEN had added me to the loan and made me liable for the loan agreement.To date OCWEN refuses to re-issue the XXXX.
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| 05/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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approximately XXXX years ago my home loan was sold to OCWEN by Indy Mac Bank during the time the loan was transitioning from a fixed rate to an adjustable rate. My payments at the time with Indy Mac was {$2500.00} until the agreement was to change XX/XX/XXXX ( adjustable rate based on current interest rate ). OCWEN was suppose to mail me new payment schedule XXXX days prior to XX/XX/XXXX which they did n't. I mailed a mortgage check on XX/XX/XXXX for the normal amount which they received and cashed. I was called a few weeks later from an OCWEN rep inquiring why my payment was n't made? after several min of arguing she admitted they received my check cashed it and was holding it in another account because the amount sent was " too much ''. The new amount for XX/XX/XXXX was {$1900.00}. I paid this amount for the entire year with NO issues, calls correspondence from OCWEN. prior to XX/XX/XXXX I waited for the supposed " XXXX day letter '' letting me know what my new payment schedule was because I knew the current interest rate was lower than prior year. The notification never came and I mailed a payment of {$1900.00} as normal and the same issue arose again. Phone call after phone call from different reps asking why my payment was n't made? similar to last time a rep finally admitted they received my check XX/XX/XXXX as normal however it was n't the right amount and they were holding it? per my XXXX Bank the check was cashed. The rep I was speaking to told me my new payment schedule was {$2600.00} which was curious because the interest rate had lowered. I contested this and I was transferred to an escalation manager XXXX XXXX ID # XXXX who took my information and confirmed I was current on my account, no delinquency noted and the previous rep was WRONG with his calculations. He assured me he would research this and would contact me in XXXX business days with a specific time he was calling. He called the very next day and told me " OCWEN made a mistake, your new rates as of XX/XX/XXXX is {$1.00}, XXXX '' " The {$1.00}, XXXX being held would be applied to XXXX 's payment obligation and the overage would be applied to principal balance ''. He assured me the phone calls would stop and if they continued to contact him via email : XXXXXXXXXXXX. The harassing phone calls continued relentlessly from OCWEN reps claiming I have n't made my payments and when I explained to them XXXX XXXX the escalation manager took care of your mistake they would not except that as an answer. The would not transfer me to him they would only email him on my behalf to have him call me at which time he has not called me. I emailed XXXX XXXX on dates XX/XX/XXXX and XX/XX/XXXX explaining my situation and asking for help to no avail. I try to call the only number provided however it is answered by a voice mail when prompted to my account states " they have received my payment of {$1900.00} on XX/XX/XXXX and my new rate is {$1500.00} as of XX/XX/XXXX ''. When prompted to a live person its a call center in XXXX and the reps state the same thing " this situation was escalated to Manager XXXX XXXX and he is investigating the matter and will get back to you ''. They always transfer to another escalation manager who immediately states I owe them {$2600.00} a month and also agree my new rate is {$1500.00} which is frustrating and confusing. They also agree that my account has never been delinquent and I have never missed a payment however the harassing calls continue. Each new manager assures me they will email XXXX XXXX to call me which he does not. On XX/XX/XXXX I a received certified letter from OCWEN stating I am in default and they are moving to foreclose on my property if I do not respond in XXXX days by phone call ( same XXXX number that goes to an XXXX call center ) or written form. I received a new payment invoice for XXXX payment which now states my new payment is {$1100.00} which now contradicts everything.
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| 06/22/2021 |
Yes |
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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PHH Mortgage services incorrectly reported my account as being late in XXXX and XXXX XXXX 120 and 150 days respectively while my account was in a forbearance status. After explaining to PHH the situation and what could be done about it from their end to fix the reporting error, they simply put " Transfer '' on the report, but did not remove the 120 and 150 day marks.
Upon doing additional research, the CARES ACT, signed into law on XXXX XX/XX/XXXX, specifies how mortgage companies are to report to the credit bureaus on accounts in their present status : whether current, in forbearance, etc. My account was placed into a forbearance status in XX/XX/XXXX because of the COVID19 pandemic, and I communicated extensively with PHH to ensure all requirements were met prior to the trial payment period, during the trial payment period, and after the trial payment period. However, due to PHH 's lack of due diligence in not providing an overnight return envelope for loan modification documents received on XXXX XX/XX/XXXX, signed and notarized on XXXX XX/XX/XXXX and mailed same day by the notary, the documents were not received until XXXX XXXX, 10 days after their requested return by date of XXXX XX/XX/XXXX. PHH subsequently canceled the loan mod and transferred the loan to XXXX XXXX.
XXXX CARES Act XXXX, which became public law XXXX XX/XX/XXXX, PHH has violated the following : Sec 4021 Fair Credit Reporting, Sec 623 ( a ) ( 1 ), subparagraphs ( i ) ( II ) ( bb ) : The National Emergencies Act has not been terminated.
Additionally, in reporting my account the above 120 and 150 days late to the credit bureaus, PHH violated paragraph ( ii ) ( I ). As mentioned above, I completed the trial payments as agreed, and continued to make payments while they processed the loan modification paperwork. The account was still in a FORBEARANCE status.
Below is the exact language from the CARES ACT : Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C.
1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC.
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( II ) COVERED PERIOD.The term covered period means the period beginning on XX/XX/XXXXand ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off..
And because of PHH 's refusal to correct the information reported to the credit bureaus, it has damage my credit. PHH must correct their mistake, or I will take them to litigation.
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| 05/28/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Dear I am writing this letter to you because our mortgage company Ocwen had once again mishandled our hazard flood insurance. Once again costing us more money. Ocwen services our mortgage including paying our home owners insurance, taxes and hazard insurance. Two years ago they had allowed our flood policy to lapse. Theyve done this after Ive repeatedly had called them to let them know it was due. Ive even had them on a three way call with my insurance agency XXXX at least two times. They had informed XXXX and me that the payment was being shipped out, just to find that it wasnt.
Because of their unwillingness to pay our flood insurance my policy had lapse and causing me to lose my prefer status with the insurance agency. This had caused my flood policy to skyrocket from {$400.00} per year to over {$3800.00} per year. This had caused tremendous emotional and financial pain to my fiance and myself. Not only have this caused me to pay a higher flood policy, but it had caused a domino effect financially. Because of the enormous increase of the flood policy, this had caused a shortage in our escrow account. The shortage in our escrow account had caused our mortgage payment to increase, not once but three times.
Ironically after Ocwen had allowed our flood policy to lapse I had start receiving email to sign up for Ocwen Flood Insurance.
Every time that we had called Ocwen about our problem we get a run a round. Everyone have a different story, and nobody knows what the las representative and said or even told us.
This past XX/XX/XXXX we was forced to shop around for a new flood policy because the cost of our current policy increases every year. We had found XXXX XXXX XXXX XXXX. They had a much better policy then our current carrier. We had notified Ocwen about the change. Once again Ive had Ocwen and the insurance agency on the phone together gathering any information that they had needed. They had confirmed that they will be sending XXXX XXXX XXXX a check. Sadly in XX/XX/XXXX Ive received a letter from the insurance company for non-payment of the flood policy. Once again they had failed us.
When I called Ocwen about this issue I was told that they had not received a request for payment from XXXX XXXX XXXX and that they had paid our former insurance agency on XX/XX/XXXX. I was told that the representative would call me back the next day but they did not. I had to call then back. I was connected with a different representative. After going back and forth with the representative she had told me that she was able to find some documents for my new insurance agency but they wasnt signed by the agency or myself. I told her that was impossible and asked if she could forward that to me. She had reply that she couldnt.
On XX/XX/XXXXnIve had spoken with XXXX from Ocwen and was told that he doesnt know why my previous flood carrier was paid on XX/XX/XXXX when he can clearly see that my new policy with XXXX XXXX XXXX was active as of XX/XX/XXXX.
When Ive asked if I can pay my flood policy myself, they told me no. It have to be in escrow. Then they fail to pay it again.
I have to say that I am convince that this is being done deliberately or Ocwen is just incapable of performing their job as a mortgage servicer. They had caused me so much money and acts as its not a problem.
Will you please inform me what recourses that I may have including legal to resolve this issue? By law Ocen had failed us by mishandling our hazard insurance.
Mishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance.
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| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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OCWEN is the servicing bank : has held homeowner in extending processing, and not evaluating documents properly. Homeowner has submitted the RMA requesting modification. Homeowner has been in default since XXXX/XXXX/2015 and is 991 days passed due. Homeowner is formally appealing the denial based on errors in home value, income, DTI and LTV Loan to Values used by the services in the denial of the RMA application.
The service'r has commenced double tracking while homeowner was acting in good faith under the DOJ/XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.
The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided.
This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person.
2. A Single point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''.
3. The service'r has held the homeowner in extended process in bad faith, during which the value of property has increased and fallen for 991 days from XXXX/XXXX/2015 to XXXX/XXXX/2015.
4. On the last RMA application : all requested documents were provided as requested. Homeowner has confirmation via fax that documents were received by the service, bank claims that documents lost.
5. Homeowner has made numerous calls ( 20 ) inquiring on status of application, as a foreclosure date has been set and reset ; calls were routed to next available collection department agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because documents lost, or D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowner.
6. Servicer started a double tracking procedure upon the notice of default. The foreclosure agent was aware of the loan modification in process, and moved forward with the double tracking anyway.
This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith.
7. Homeowner has contacted the foreclosure agent before the foreclosure sale : that the sale was extended to another 30 days. Service'r never advised homeowner of the extended sale date.
9. As of the above CFPB complaint date above, service'r has not advised or confirmation that the foreclosure date of sale is on hold.
10. Homeowner is in a state of fear created by the collection tactics by Service'r and or the foreclosure agent.
11. Homeowner was not advised of their HAMP/Department of Justice modification guidelines or options.
12. Homeowner was not provided the name of the investor as requested.
13. Homeowner was not provided a NPV Net Present Value Report to approve or deny the RMA application.
The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure.
Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading servicer 's processing agents with a case work load of XXXX+ cases as per agents statement : ( disclosed by relationship manager via recorded conversation, for training and quality assurance ).
We formally appeal the loan modification denial. We request that a SPOC Special Point of Contact be assigned homeowner.
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| 04/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
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Ocwen has been a two year nightmare and is progressing from horrendous to worse. ( roughly reverse chronological order ) a. Ocwen asked me my race for the first time in 2 years after taking loan workout information over phone due to multiple Loan Workout Package submission fails by Ocwen. Today I received a foreclosure notice. This really ca n't get any worse b. ( Ocwen has finally updated technology and now uses esignature - unfortunately, they do not know how to use esignature as forms require dual signature and esignature was set up for single signature. The process confirms the signature and all is " complete '' - but continued to send 'incomplete ' messages. Phone call to customer service said all was complete. While back and forth was going on - time expired for documents in review. This was the 8th or 9th time this process has failed.
c. Ocwen 's failure to accept payments has cost my family substantial increase tax payments d. Ocwen 's failure to use their information on record, or may be data hand off from XXXX, caused home insurance company to refund my payment ( why did this happen in year2? ) More a sign that Ocwen has serious processing issues.
e. Ocwen could not process loan workout package because their internal processes failed to meet required government deadlines. They sent workout package for signature and notary after without time to review package or have reviewed by professional.
the customer service rep ( CSR ) did not understand what a notary does and asked why they could n't adjust date [ hint : that 's illegal ] not CSR 's fault, training, mngt prob g. Ocwen had multiple contact streams running uncoordinated for the past two years. While Collections is calling for payment, Operations could not accept payments and encouraged to complete loan modification package. The entire time loan modification package is " in process '', harsh letters, foreclosure warnings, etc. are mailed to house which greatly challenged relationship with my wife and family. Nobody believes a company can be " that bad '' and that messed up - Ocwen is worse than that. Online payment was not available because of operations inability to accept payments. ( I do n't know if this is still issue with Ocwen in general, but was major problem for year ). Again, the investor or holder of mortgage was n't paid either, so Ocwen provided disservice to both sides of servicing relationship. In my case, Ocwen 's disservice caused health problems ( you ca n't sleep when you get foreclosure notices and you call and speak to someone who ca n't help you, does n't understand how their own system works and defaults you to encouraging you to file for loan modification due to hardship - On several occasions they actually encouraged completing hardship loan modification forms to reduce payment, " many customers are having their payments or their loan amount substantially reduced, just fill out the package. '' h. When I could not get answer on payment amount I sent $ XXXX then $ XXXX to catch up on payments, one via certified check, one via wire as instructed - yes paid fees - and each was returned. Payments were made with Ocwen guidance and specified amounts - but Ocwen 's on people could not agree on to the penny amounts - which they said was the reason for XXXX return - No one had an answer for other returned payment - again, the CSR 's had inadequate knowledge, training, systems, processes, workflow, means of escalation.
i. No handoff from prior servicer - When I called to make phone payment to prior servicer I was told my account number was not valid. CSR at lender said it must of been transferred but did not have any info or chose not to share ( XXXX ). When I got in touch with Ocwen, they said they did not have information that I should call back in 3 weeks. When I called back they asked for 2 more wks - all I wanted was an account number and to make payment. Yes, I 'll be expert witness
|
| 02/22/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
My husband passed away suddenlyXXXX/XXXX. I was current on mortgage w OCWEN through XXXX. I missed 3 months then paid all three months XXXX. I could n't afford pmts after that. The pmt had just increased {$1100.00} to {$1200.00} on XXXX again XXXX to {$1300.00}. XXXX, I was contacted by OCWEN saying due to the recent hardship, I had been preapproved for a HAMP Streamline Mod. My new pmt under TRIAL period of 3 mo would be {$800.00}. If I made XXXX pmts on time I would get final modification starting XXXX. The terms would be {$800.00} for 40 yrs. I was thrilled. I was extremely stressed due to my financial situation. I 'm XXXX and receive XXXX. I suffer from a severe case of XXXX caused by XXXX. They sent the Streamline Mod pkg to me and I returned it to OCWEN immediately. 40 yr loan. Payments I could afford. I made my 1st XXXX pmts right away and the 3rd Trial pmt early. On XXXX/XXXX/XXXX I received my Final Loan Mod pkg. the terms were completely different. It was now XXXX pmts of {$800.00} adjusting up and XXXX BALLOON pmt of {$120000.00} due XXXX. I called my relationship mngr XXXX XXXX regarding the NEW mod terms and she said they made a mistake initially. She explained that due to HAMP regs, OCWEN was required to keep the original due date on the loan of XXXX/XXXX/XXXX so there had to be a balloon pmt of {$120000.00}. I knew I needed to have that pmt of {$800.00} in order to keep my house so I signed the docs and returned them in THEIR envelope on XXXX/XXXX/XXXX. When I had my next monthly apt with XXXX in XXXX, she said they had n't received the docs. In XXXX during our monthly phone appt she said she still had n't received the docs and overnight mailed them to me. Once again I signed and returned the docs in their envelope. I continued to make my monthly pmts as agreed. In XXXX I went to wire the pmt and OCWEN would n't accept my pmt via XXXX or XXXX. I contacted them, I was told to keep trying to send it. On my next appt with XXXX in XXXX I was told that I no longer qualified for a mod because they had n't received my docs..not for nonpayment. So I was completely stressed out. So I decided to get a XXXX for {$800.00} and I sent yet another set of ORIGINAL loan mod docs to OCWEN overnight mail so they had to sign. No way could they say they had n't rec 'd the docs and they could n't NOT ACCEPT my pmt. I waited for a week and no call from XXXX. I did receive calls from OCWEN collections asking when I would be making my pmt of {$1200.00} from XXXX XXXX. I had already made XXXX pmts totaling {$5600.00} in XXXX. I was modifying my loan. Why are they calling? I called XXXX and he said that he would do everything in his power to have the mod reconsidered do n't worry. 2 weeks later still being reviewed. I asked if I should send XXXX & XXXX pmt he said no not until the loan was reapproved. They already had XXXX pmt. XXXX, on a scheduled phone appt with XXXX my other line rang..it was OCWEN so I did a 3 way call. I had previously told XXXX that it made me nervous that they kept calling for pmt when I had already made it. Where was my money? Why ca n't I access my acct online? So I asked the gentleman from OCWEN on the 3 way call why he was calling. He said to discuss short sale. I was floored. XXXX reassured me the mod would go through just send them {$2400.00} by XXXX. I asked for the agreement in writing along with a pmt hist on my acct. 5 days later I received the Notice of Election that was filed XXXX/XXXX/XXXX. I was in foreclosure. Now I have a Rule 120 hearing XXXX/XXXX/XXXX. I have to file a response by XXXX/XXXX/XXXX and a scheduled sale date of XXXX/XXXX/XXXX. And now I have to pay {$23000.00} to cure the default instead of the {$2400.00} in XXXX. I went from having a loan mod in XXXX to having my house stolen in XXXX all because they say they did n't receive my docs. What can I do? Dual Tracking, Truth in Lending, Ficticious fees. I 'm going to be homeless.
|
| 06/19/2015 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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|
Our mortgage was at one time held by GMAC Mortgage Co. but before they closed their doors for good they sold contracts thru out lending companies. Unfortunately, with no knowledge to us and or even given a choice as to what company was a preference, our mortgage was sold to Ocwen. Which if we were given a choice Ocwen would NOT have even been considered. Since Ocwen has had our mortgage there has been nothing but problems. Ocwen is absolutely horrible, unprofessional to their clients, unorganized and deceiving/ dishonest. I do n't care how long they have been around ( which I have no idea ), they should have no right ( s ) to hold mortgages. Thru the past several years I have had to call Ocwen due to various notifications sent to us by way of U.S. Mail by them. I eventually had to start keeping a " ledger '' because of their incompetence in getting straight truthful answers from them. Not to mention having an extremely hard time understanding them. On numerous occasions they claimed we were late on a payment, trying to charge us a late fee, only then calling them and confronting them on the issue they would act like they are listening, then let you know they were going to put you hold, then come back and inform you there had been a technical error and all charges would be dropped. Please note that until recently ( XX/XX/XXXX ) we had NEVER been late on a house payment, no matter who held our mortgage. Also we have an escrow added onto our mortgage to cover taxes and insurance, yet sometime back Ocwen sent us a notice claiming we needed to pay our taxes to keep from putting our mortgage in jeopardy. When I called them, there response was again being a technical error and reassured us that all would be taken care of. Needless to say I have had to call Ocwen on the average of XXXX to XXXX times yearly ( since they have held our mortgage ) because of their technical errors. In the month of XX/XX/XXXX, Ocwen sent us a notice that we had not even made a payment for that month. I was now furious, called Ocwen not just to question where the payment was because I paid it on line with a confirmation number but I demanded something be done because I did not want there incompetence showing up on my husbands credit report!!!!!!! And AGAIN, it did show that payment was made and according to Ocwen it was either an oversight of the person registering payments and or a technical error!!! Most recently we are experiencing a major difficulty with Ocwen, more so than any other time, to the point of possibly having to lose our home of 30 years. When we asked for help and to inform them that there was no way possibly we could afford the " new '' payment increase of {$300.00} more per month, which we were only given a 3 1/2 week notice of said increase , Ocwen has been little help, they have denied our modification that we filled out and sent back to them, they have refused to accept at least XXXX of the new payment ( which is the same full amount of payment we made for the prior month ) to show it as good faith on our part to try and keep our home and until matters could be resolved. We were assigned a representative manager with appointed dates for phone conference but have yet to speak to HIM. The most recent rep informed me, when I asked if they could possibly help us refinance, I was told " NO '' because they do not offer that because they are a " loan service company '' and not a mortgage company. I then asked as to why they have the rights to hold our mortgage!!!! I could go on and on as to Ocwens inabilities, and I DO have dates, names and badge numbers as to times I have had to call Ocwen. This company shows no remorse as to the hardships of their clients, in fact I DO KNOW of XXXX other couples that have ended up losing their home because of Ocwen and having similar experiences/ hardships as we are experiencing. I now pray for the day that Ocwen has to pay for their actions!!!!!!
|
| 05/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
1.XX/XX/XXXX regular mortgage stmt due XXXX, regular amt due = {$1200.00}. Note on stmt that starting XX/XX/XXXX new amt. due will be {$1100.00} and a separate letter will be sent explaining. This new amt due is the result of us demanding OCWEN reassess our escrow since our taxes were reduced and after many months complaining this was supposed to be the result ... lower monthly pymt.
We paid {$1200.00} for XXXX due date.
2.XX/XX/XXXX regular mortgage stmt due XXXX, showed new amt. due = {$1100.00}, again a note on stmt that starting XX/XX/XXXX new amt. due will be {$1100.00} and a separate letter will be sent explaining. Never rec 'd a letter. We paid {$1100.00} for XXXX due date.
3. XX/XX/XXXX - statement was all wrong.
a. Due date should have been XXXX, it said XXXX - only 4 days later. This never happened before.
b.stated amt. due was {$1200.00} - wrong - it was supposed to be {$1100.00} as per previous XXXX stmts.
c.Showed they cashed our {$1100.00} and applied to principle only - not XXXX pymt which we did not authorize, was their mistake, and never done before.
d. They now expected us to pay {$1200.00} backdated to XXXX in order to be considered current.
4. Called XXXX -the date we got stmt in the mail -and spent over XXXX minutes with XXXX different cust.svc. reps with no satisfaction. They did not acknowledge it was their mistake, continued to state we still owed XXXX pymt, they could not correct their mistake of applying to principle only, and could not prevent reporting to credit agency if we did n't pay extra pymt. I demanded to speak to supv, was placed on hold, then told they would call be back within XXXX hours, which they never did and I have a phone record to prove it.
During these calls I also demanded a new escrow evaluation since they told us in XX/XX/XXXX that their analysis in XXXX was wrong and they would re-evaluate it XX/XX/XXXX and mail the new results. I called XX/XX/XXXX since we never received the new escrow analysis and they said they would send it. They never did. I finally rec 'd a copy on XXXX - after these phone calls.
Also, in separate letter, received escrow refund check for {$1700.00} with no explanation after these calls.
5. XXXX called - automated message said {$1100.00} was due which was the correct amount so assumed maybe they fixed the problems.
6. XXXX regular mortgage stmt due XXXX stated we owed XXXX payments = {$2400.00} and that the new mortgage pymt of {$1100.00} was going to start XX/XX/XXXX and a letter would be sent to explain. We called again, again spoke with several cust svc reps who did nothing but ask for us to pay our mortgage over the phone with a credit card, or at least pay the late fees over the phone with a credit card. We demanded a supv. and they said they would have to call us back within XXXX hours.
7. They did call back the next day but missed us. We called them, and were told the same thing - they would not fix the problem, they do not acknowledge it as their mistake, if we do not pay 2 months of mortgage they will report it to credit agencies and charge late fees.
7. XXXX received certified letter from OCWEN stating we were past due in our XXXX mortgage pymt in the amt of {$1200.00} + XXXX late fee.
8. At this point we are afraid that any money we send they will apply to principle and we will never be considered current and our perfect credit that we have worked hard for will be ruined. Their practices of back billing for their mistakes, not correcting accounting mistakes, and then double billing the client are unethical. Their threats to report to credit agencies is unethical and bullying in light of the problem originating from their accounting mistake. They held on to escrow funds much longer than reasonable and only responded when threatened several times - indicating possible mishandling of escrow monies. We are unlikely to be the only customers affected by these practices.
|
| 02/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My servicer is still OCWEN. I filed a case, number XXXX in XXXX, XXXX as my house was scheduled for foreclosure by OCWEN in Georgia on XXXX XXXX, XXXX. I also wrote attorneys for OCWEN. The foreclosure was cancelled and I received a response to my complaint and a QWR I filed dated XXXX XXXX, XXXX. Now my house is scheduled again for foreclosure on Tues XXXX XXXX, XXXX, and not only do the same problems with servicing exist but they have become worse.
Previously I complained about the periodic billing statements as being indecipherable and mathematically impossible to understand, numerical errors in the escrow account, failure to credit payments, OCWEN not paying propety taxes causing XXXX to issue which hurt my credit, failing to pay property taxes again, billing me for higher escrow contributions without explanation, inexplicable fees, strange categories that operated as suspense accounts, sending varying reinstatement figures that differed {$130000.00} between two consecutive months ; XX/XX/XXXX and XX/XX/XXXX, numerous errors on the statements, illegal foreclosure procedures, invalid assignments, lack of standing to foreclose, and intentionally deceptive accounting practices designed to force foreclosure.
In OCWEN 's response to my complaint and QWR I can not say that any of these issues were directly addressed. Therefore I file another complaint against OCWEN for failure to follow the mortgage servicing rules under TILA & RESPA, state foreclosure rules, robosigning, and fraudulent assignments, eliminating standing to foreclose. Furthermore, to utilize the CFPB 's official responsibility under law to address certain servicing problems I state that OCWEN under amended Reg X violates their obligation to correct errors, to provide information requested by borrowers, to provide loss mitigation options ( which I finally received last week and promptly sent in ). The errors on the sstatements get worse, and never get addressed or corrected nor explained. During XX/XX/XXXX there remained a suspense account amount of {$32000.00} of unapplied funds which on XXXX/XXXX/XXXX disappeared with no credit to me. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX past payment credit breakdowns of {$17000.00} interest and {$14000.00} in escrow disappeared and were not applied anywhere. Between XX/XX/XXXX and XX/XX/XXXX the stated Reinstatement figure went from {$560000.00} to {$430000.00} inexplicably. That is a {$130000.00} difference in one month. No explanations offered.How is a borrower to know what to pay or do? The Reg X rules aso provide for servicers to provide disclosures to borrowers re mort servicing transferring and obligations to manage escrow accounts. My escrow account is such a mess and changes so much I may never understand it. One OCWEN rep said that they were having trouble combining systems of acquired companies, but borrowers should not have to suffer for their incompetence. The Reg Z rules under TILA require disclosures on ARMS like my loan and error resolutions and information requests. The response I have received so far is that my ARM changed after 5 years so OCWEN changed the billing from interest only to amoritization. Then they must have changed it back. Further, the announced payments on the settlement statements varied considerably between what they said I would pay vs what I have been billed, such as $ XXXX/mo vs $ XXXX/mo OCWEN bills me. Also errors are not corrected, payments are not credited and are placed in suspense accounts. I have forced placed insurance, and while I finally have loss mitigation conversations, they have just begun. I still am subject to dual tracking, robosigning, fraudulent transfers, XXXX assignments from XXXX to the XXXX XXXX XXXX XXXX, in a row even though the loan originator was not a licensed lender in Ga in XXXX, but XXXX keeps assigning the note/deed to XXXX repeatedly. Also this FC notice has different naming for the trust.
|
| 03/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In 2003 I took out my mortgage with XXXX bank ( later XXXX ). The next year I filed Chapter XXXX bankruptcy and though I stipulated my desire to reaffirm the mortgage that is the call of the bankruptcy trustee who ultimately did not allow this. I continued making my payments throughout the process and after discharge wrote to XXXX requesting they start sending my monthly statements again, which they had stopped because of the automatic stay put in place as a result of the filing. They did resume sending those and for the next XXXX years I never missed a payment. And, they reported my payments to all the credit bureaus. Then my mortgage was sold to Ocwen and the nightmare began.
Ocwen immediately sent a statement labeling it as informational only since I was under bankruptcy protection. Nevermind the fact that my BK had long since been discharged and even fallen off of the credit reports. I called repeatedly asking them to remove the language and to just send my statements as normal. They refused. And I have had issue after issue with them. But now they 're trying to sell my house and if they had had their way I would n't even have known about it.
Unemployment has caused me to fall behind. Ocwen intends to sell my home on XXXX XXXX. I found out about this not from Ocwen, but from a solicitation from an attorney with a copy of the filing ... only XXXX days before the sale. My understanding is that they should 've presented me with a notice to cure default with a detailed listing of how much it would take to reinstate the loan along with XXXX days to do that or explore other options. I never received this notice or period of consideration. I still do not know how much it would cost to reinstate the loan because Ocwen has n't told me and still has n't despite me notifying my " relationship manager '' about the fact that I have never received any notice or information regarding the sale. Now, my relationship manager ( XXXX XXXX XXXX ) has no appointments available to speak with me until XXXX DAYS AFTER the scheduled foreclosure sale. So no XXXX day notice to cure the default and certainly no 21 day notice of the sale going forward.
I reached out to the folks at Making Home Affordable. They wondered if I 'd ever been solicited for a HAMP modification. No, Ocwen admitted they had not solicited me for a HAMP modification. Well, could I send in my application ... the sale was scheduled for a week from today? The deadline to submit such applications is XXXX BUSINESS DAYS prior to the sale. So while I may submit the application they could not say whether or not it would be accpeted or acted upon since I failed to submit it by their deadline. You know, the XXXX they never told me about. And, no, they would n't consider a postponement and no there was n't anything the Ocwen representative could think of to help me.
I then spoke to a HUD-counselor. I told her of the conference call and she cut to the XXXX and said, it sounds like the legal avenue is the best XXXX available to you. Yes indeed. And so what are my legal remedies in a non-judicial foreclosure state like Texas?
What can be done to compel Ocwen to at least restart it and notify me properly? With {$5000.00} to hire a private attorney I can file an injunction claiming improper service and hope for the best regarding attorney 's fees. Precious few homeowners facing foreclosure have the cash required to litigate Ocwen into doing what they willfully are refusing to do and are refusing to do because they know they people they 're doing it to do n't have the resources to make them. So what if, on occasion, they have to fork over $ 5K in attorney 's fees. It 's a lot cheaper than giving individuals the opportunities the law affords them, to apply for HAMP, to consider how to cure the default, or even conduct an orderly sale of their home.
So now, since nobody will make Ocwen do as it should. I 'm filing XXXX XXXX.
|
| 06/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Ocwen, servicer of my home mortgage and has been defrauding me since they bought the loan. They have been taking my payments for a given month and failing to reflect to receipt of the payment on my mortgage account, instead inserting account information to indicate that no payment was made when the payment was in fact made by me. Also, they have been sending me XXXX-XXXX certified letters regarding my home mortgage and charging me almost {$10.00} per each letter and subtracting these charges from my monthly mortgage payments notwithstanding that many of the letters are duplicates. Ocwen has also been defrauding me by charging me late payment charges between {$150.00} and XXXX pet month and tacking this sum onto my principle balance. Included in these so called late payments are the accumulated certified letter charges, which I never agreed to pay and which are not mentioned in the mortgage note. In addition, Ocwen forcefully imposed escrow on the mortgage accounts despite the fact that I did not agree to the escrow when the mortgage note was signed nor when the note was modified. Prior to Ocwen 's wrongful imposition of the escrow in order to increase my mortgage payment by {$900.00} per month, I was responsible for paying the property taxes and property insurance on the property and did so in a timely fashion. After Ocwen imposed the escrow, I was forced to pay a higher monthly payment for the property insurance than what I had been paying and the coverage Ocwen secured was insufficient and substantially lower than my coverage. I contacted Ocwen by phone about the escrow and requested it to be removed because I had already paid the property taxes and never agreed to an escrow account. They stated once I provided proof to them that the property insurance was paid and property tax was paid, they would remove the escrow. I faxed documents Ocwen requested in order to remove escrow. Ocwen received the documents I submitted but refused to remove the escrow account. I contatedd Ocwen again after faxing the documents in to them and requested escrow to be removed. This time ocwen informed me that they would not accept my request by phone and stated that I had to request this in writing. I followed up with a written request to remove the escrow but Ocwen ignored my written request. This escrow dispute lasted about 3 months during which Ocwen forced me to pay an additional {$900.00} per month in escrow fees and refused to accept my mortgage payment without the additional {$900.00} per month. Additionally, Ocwen has mismanaged distribution of my escrow payments ever since they created the escrow account by not paying the total property tax bill by the due date to the tax authority which in turn has caused me to have to pay additional late fees ( through my monthly payments to Ocwen ) to the tax authority due to Ocwen 's failure to disburse my escrow payments in order to satisfy the property tax bill in full, by due date. This occurred completely as a result of Ocwen 's mismanagement of the escrow funds ( that I paid in their entirety ) on multiple occasions now. Ocwen is completely misappropriating and mismanaging and failing to properly apply my mortgage payments. Specifically, Ocwen is applying more of the payment into the interest and other fees than what should be applied according to the mortgage note and interest rate. In order to do this, Ocwen is failing to apply sufficient portions of my monthly payments to the principle balance of the mortgage. In summary. Ocwen is defrauding me, the mortgage holder, and committing gross mismanagement of my mortgage payments. Ocwen has violated the mortgage contract terms through gross mismanagement of my payments. Ocwen has grossly failed to observe terms of mortgage note thus causing me to suffer detriment and financial loss. I have sustained accumulated financial losses and equity losses as a direct result of Ocwen 's actions.
|
| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dear CFPB I am filing a new complaint to place CFPB on notice of the patently false representation being made to the CFPB by XXXX XXXX through their attorney, XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX responded to my CFPB Complaint ( No. XXXX ) and intentionally falsely represented to the CFPB that all my claims and facts were currently part of the record on appeal with the United States Court of Appeals for the Fifth Circuit as follows : Most recently, you appealed the District Courts order entered on XX/XX/XXXX dismissing your claims with prejudice to the United States Court of Appeals for the Fifth Circuit , Case No. XXXX XXXX. This appeal is pending the Courts consideration and therefore no further response is necessary ( XXXX XXXX ).
XXXX XXXX concealed that on XX/XX/XXXX, I filed an Opposed Plaintiff-Appellant Motion For Leave to Supplement The Record On Appeal And Request For Court Referral To the Texas XXXX XXXX . ( See Ex-B ).
My XX/XX/XXXX motion was not filed in the District Court. The motion is currently pending at the Fifth Circuit Court of Appeals and has not yet been decided by the Court and/or made a part of the District Court record and is ripe for the CFPB review XXXX
The motion reveals that between XXXX, XXXX XXXX never remitted payment to me in the sum of {$4500.00} plus interest in connection with a Fourth Court of Appeals XX/XX/XXXX Judgment and Mandate in Case No. XXXX.
XXXX XXXX HAS NOT REMITTED A PAYMENT TO ME SINCE XX/XX/XXXX AND SHOULD BE REQUIRED TO RESPOND TO WHY THEY IGNORED AND VIOLATED A COURT JUDGMENT/MANDATE.
XXXX XXXX also concealed that on XX/XX/XXXX, I filed another Opposed Plaintiff-Appellant Motion For Leave to Supplement The Record On Appeal. ( XXXX XXXX ).
My XX/XX/XXXX motion was not filed in the District Court. The motion is currently pending at the Fifth Circuit Court of Appeals and has not yet been decided by the Court and/or made a part of the District Court record and is ripe for the CFPB review .
Specifically, the motion reveals : 1 ) In the State Court, XXXX XXXX filed XX/XX/XXXX sworn interrogatories and falsely swore they obtained an assignment of my Note and Mortgage on XX/XX/XXXX. XXXX month before on XX/XX/XXXX, my original lender XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) sold only an interest in my loan to XXXX Bank, not XXXX XXXX.
In XX/XX/XXXX, I obtained my mortgage loan records ( including the XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX letter agreement with XXXX XXXX XXXX from XXXX XXXX, the U.S. Bankruptcy Court Trustee for my original lender, XXXX XXXXXXXX XXXX XXXX
2 ) In the District Court, XXXX XXXX judicially admitted they obtained an assignment of the XXXXXXXX XXXX pursuant to a XX/XX/XXXX Transfer of Lien purported to be executed with my original lender XXXX XXXXXXXX XXXX XXXXXXXX, two years after the U.S. Bankruptcy Court, District of Delaware ordered the dissolution of XXXX XXXX XXXX XXXX in XXXX. XXXX XXXXXXXX XXXX XXXX did not exist in XXXX to execute a Transfer of Lien with XXXX XXXX.
XXXX XXXX SHOULD BE REQUIRED TO RESPOND AND PROVIDE A COPY OF THE XX/XX/XXXX WRITTEN ASSIGNMENT PURPORTED TO BE EXECUTED WITH XXXX XXXX XXXX XXXXXXXX, AFTER XXXX XXXX XXXX SOLD ONLY AN INTEREST IN MY XXXX XXXX TO XXXX BANK ON XX/XX/XXXX.
These issues were not before the District Court and the Fifth Circuit Court of Appeals has not yet ruled on my motions to supplement the appeal record. Therefore, XXXX XXXX should be required to provide a response to this CFPB Complaint.
XXXX XXXX and their attorneys have made patently false sworn statements in both state and federal court regarding the assignment date of my Note and Deed of Trust to XXXX XXXX. They also orchestrated the criminal theft of my homestead and personal property in XX/XX/XXXX on behalf of XXXX XXXX which caused me substantial damages in excess of {$2.00} XXXX dollars. I am also seeking criminal action against the XXXX XXXX attorneys.
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| 04/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
|
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SUMMARY : Adjust my mortgage payment to {$1000.00} - {$1000.00} by the following means : re-evaluating my escrow, removing my PMI and waiving the {$25.00} reverse fee.
DETAILS : Ocwen 's motto is " Helping Homeowners '', I am living proof Ocwen is NOT helping homeowners. This is one of many formal complaints I have made about Ocwen/GMAC over the past 4 years. I have asked for loan modifications, fee reversals, re-evaluations and have been denied for everything multiple times. It is beyond frustrating dealing with Ocwen. After a 2 year battle, I am surprised they FINALLY accepted money from Keep Your Home CA, so that I could keep my home. My mortgage payment is {$1000.00}. I struggle with the payments, however I have consistently paid. Now my principle balance is less than 78 % of the original balance. I am eagerly expecting my payments to decrease by {$52.00} because I submitted a request to have the private mortgage insurance ( PMI ) removed over 3 weeks ago. I have not heard the verdict on that and it is almost time to pay the mortgage again for another month. In the interim of waiting for a response on my PMI, I happened to see on the Ocwen website I was charged a {$25.00} fund reversal fee and my new payment will now be {$1100.00} to cover escrow. I had a history of making incremental payments of $ 30- {$40.00} toward my principle on the GMAC website. It still links to Ocwen 's site for making valid payments on the home. I like the GMAC site because I can modify payments, cancel payments, make incremental payments of MY choice etc. This is something you can not do on Ocwen 's website. I have had my XXXX account for 15 years and the same account is what I use to make my house payments. I am told my payment was reversed because they were unable to locate my account. Ocwen must have a system glitch because before Ocwen officially merged the GMAC customer accounts to their database, the account was ALWAYS located and used to make payments toward my principle. Somehow my account information keeps getting wiped off the GMAC website, and now it appears I will NEVER be able to make incremental payments toward my principle ever again. This is garbage about my account not being able to be located. I explained to Ocwen and they still maintain the {$25.00} will NOT be waived. I am INSISTING the fee be waived. The money was in the account and still is. The account is locatable. It is not my fault. I also INSIST the monthly PMI is removed from my account. I received a letter via email in response to my escrow complaint : 'Total escrow shortage-based on the expected balance deficiency of {$0.00} and the minimum required balance/cushion of {$500.00}, an additional {$570.00} is needed for the escrow balance. ' EXCUSE ME BUT THERE IS NO PROJECTION FOR AN ESCROW SHORTAGE ON MY ACCOUNT! You also clearly state in the letter 'federal law ALLOWS additional funds to be held to prevent the escrow account from being overdrawn. ' ALLOW means it is permitted. ALLOW does NOT mean required or mandatory!! Federal law does NOT permit, require or mandate OCWEN to practice predatory lending on my account. Ocwen is illegally raising my mortgage payment for no apparent reason. CLEARLY there is NOT an escrow shortage on my account or are there any projected shortages ; therefore there is NO need to prevent the escrow account from being overdrawn. The taxes are the only item paid from my escrow. At this point Ocwen has placed me in an unjustified HARDSHIP and has made my home again UNAFFORDABLE and again, in danger of foreclosure/delinquency. If I do n't keep my home for the specified time frame under Keep Your Home CA, I will be made to pay back over {$80000.00} to the state. Obviously I do not have that type of money. Ocwen is CLEARLY ILLEGALLY performing this action! I do NOT approve of this adjustment and I want this and everything else I mentioned previously corrected IMMEDIATELY!!!
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| 10/22/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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Our Home Equity Line of Credit ( HELOC ) account being serviced by Ocwen provided for interest-only payments for 10 years with the full balance due at maturity ( after 10 years ) on XXXX/XXXX/2015. I first contacted Ocwen in XX/XX/2015, before our HELOC was matured, to ask about loan modification. The representative sent me a package with a cover letter dated XXXX/XXXX/2015 that said to return the completed package by XXXX/XXXX/2015, which was after our HELOC 's maturity date ( copy of cover letter enclosed ). At no time did the representative tell me that I needed to submit the completed package before my loan 's maturity date. Had she done so, or if the cover letter had stated that fact, I would have made sure that the package was returned before XXXX/XXXX/2015.
I had faxed the loan modification application package, including all the supporting income and employment documentation for me and my husband to Ocwen as requested, but ultimately our request was denied. The reason for denial was noted as, " Your loan has already reached its original maturity date. " I have had many conversations with Ocwen since my initial call to them in XX/XX/2015. I am supposed to have an assigned relationship manager, and when I speak with him, at least he knows my history. However, he often is not available, and I have to speak with someone else. Every time I speak with someone other than my relationship manager, I have to explain everything from the very beginning as to what has transpired in connection with our HELOC loan account. So frustrating!
Additionally, the various Ocwen representatives that I spoke with often gave me conflicting information, so it has been very difficult to determine whether I am getting the " straight story '' or not. Among other things, I was first told to continue to make the interest-only payments ( my automatic loan payment stopped as of my loan 's maturity date, which I did n't realize at first since I only reconcile my checking account balance every few months ). Then when I made the past due interest-only payment, which totaled {$360.00}, the money was returned to me. Even worse, after the payment was returned to me, I received a Notice of Default, which stated, " Your mortgage payment are past due, which puts you in default of your loan agreement. As of XXXX/XXXX/2015, you owe the following : '' and then it listed " Principal and Interest '' in the amount of {$360.00} and " Late Charges '' of {$8.00}, along with a " TOTAL DUE '' amount of {$360.00}. It went on to say, " On or before XXXX/XXXX/2015, you must submit payment by XXXX XXXX, Bank Check, Money Order or Certified Funds for the entire total due amount stated above to the appropriate address listed at the bottom of page XXXX of this notices. Any payment ( s ) that become due in the interim must also be included. '' I called Ocwen to ask why the Notice of Default asked for the same amount that they just returned to me ( plus a new late charge ), and he said, " it 's just a form letter ... just ignore that it is asking for that same amount. " Also, during EVERY call I would tell Ocwen that it does not make sense for them not to work with us to modify the loan because due to the value of our home, a sale would possibly be enough to just payoff our first mortgage ( which is current by the way ), but not the HELOC. And, because CA law prohibits Ocwen from pursuing a deficiency balance ( i.e., Section 580d of the California Code of Civil Procedure prohibits a judgment for deficiency against the trustor when the real property collateral has been sold under a power of sale contained in the deed of trust ), Ocwen will get nothing out of the foreclosure. The only thing Ocwen will have done is ruin our previously good credit and make us lose our home. It just does not make any sense. I will attach the full complaint letter that I sent to Ocwen today, which provides additional information.
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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COMPLAINT 1 This complaint is against OCWEN Loan Servicing who has scheduled another foreclosure on my property for XXXX XXXX, XXXX. I wish this foreclosure stopped and cancelled due to OCWEN 's continued violations of law. OCWEN has scheduled foreclosures on my property for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX, XXXX. That is XXXX foreclosure attempts in one year. Dual tracking is alive and well at OCWEN.
I wish to file this complaint with the CFPB for OCWEN 's repeated violations of law & repeated refusal to respond to the CFPB and to Borrower 's complaints to the CFPB concerning issues covered by Dodd-Frank Act, CFPB regulations including Reg Z & Reg X, RESPA, TILA, FDCPA, and the numerous federal consent orders OCWEN has signed. I have filed prior complaints with the CFPB against OCWEN and have never received proper to detailed legal and factual questions from OCWEN representatives. OCWEN 's responses are in the form of long, repetitive letters not addressing the violations, and sending the OCWEN accounting history of the " loan '' but not the prior Servicers ' accounting history despite their requirement of life of loan documentation from all Servicers. Any specific violations such as robosigning, fraudulent acts or documents, VOID documents, suspense accts, escrow, sanding, pretender lender, dual tracking, etc. are denied or ignored in responses. Any judge would have ordered a Motion to Compel with Sanctions against OCWEN for refusal to answer responses or be honest.
OCWEN has repeatedly refused to respond to specific violations concerning : ( 1 ) robosigning ; ( 2 ) lack of standing from illegal non-bank lending without a registered corporation or lending license in the state where loan originated ( " pretender lender '' ), such as XXXX did in NY where it operated under the name " Americas ' Wholesale Lender '' allegedly under " the laws of NY '' while not incorporated in NY and no lending license in NY causing XXXX XXXX VOID mortgages ; ( 3 ) ignoring breaks in the chain of title at every stage, & accepting robosigned documents as assignments ; ( 4 ) accepting XXXX ' assignment of fraudulent deeds ; ( 5 ) dual tracking ; ( 6 ) violation of the required pre-foreclosure notification for high priced loans ; 7 ) issuing inaccurate demand letter prior to foreclosure attempts and never correcting such ; ( 8 ) attempting to use unendorsed, fraudulent Notes for standing in foreclosures ; ( 9 ) attempting to use fraudulently assigned deeds for standing in foreclosures ; ( 10 ) refusing to address loan modification requests from Borrower including pay off option ; ( 11 ) failure to send accurate regular statements ; ( 12 ) failure to correct obvious errors in statements ; ( 13 ) refusal to credit Borrower monies paid amounting to {$120000.00} ; ( 14 ) failure to pay property taxes causing Borrower to have XXXX liens, incurring extra penalties, and bad credit reports ; ( 15 ) failure to disclose fees, charges, penalties, mystery fees ; ( 16 ) failure to send accurate and reasonable escrow charge statements ; ( 17 ) improper use of Suspense Accounts ; ( 18 ) charging fees and expenses to monies held in Suspense Accounts ; ( 19 ) sending inaccurate statements to Borrower with extreme monthly swings in category figures ranging from {$30000.00} to {$150000.00} ; ( 20 ) sloppy and inaccurate accounting & deficient platforms for handling transferred accounts ; ( 21 ) refusal to respond or deal with disaster occurrences to property ; ( 22 ) failure to present accurate reinstatement figures in statements ; ( 23 ) intentionally and knowingly using fraudulent and VOID documentation such as the basis for foreclosures ; ( 24 ) imposition of unwarranted fees, improper use of suspense accounts, & failure to credit Borrower monies paid ; ( 25 ) other violations of law to be presented in companion CFPB complaints with proof.
|
| 05/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
|
|
Ocwen has for a XXXX time in two years backdated and failed to deliver our Loan Modification documents. Even after the Consumer Financial Protection Bureau has acknowledged and is currently making Ocwen Properly modify these loans. Ocwen has failed to obey the law a XXXX time in its poor, misleading and deceptive handling of this modification and in total violation of the premise of the complaint they are trying to rectify.
These are unfair, deceptive, illegal, predatory business practices that Ocwen and now its attorneys at XXXX, XXXX, XXXX XXXX XXXX, XXXX. have committed.
We had a court ordered modification in the XXXX XXXX XXXX XXXX for XXXX XXXX, Florida with Ocwen Finanancial Corporation on XXXX/XXXX/XXXX. We sent Ocwen all the paper work they required. On XXXX/XXXX/XXXX Ocwen sent a letter acknowledging receipt of our loss mitigation application and stated they needed to obtain an updated fair market value for my property. Then Ocwen had the property appraised. Ocwen then mailed us a copy of the appraised Value. On XXXX/XXXX/XXXX they sent a letter thanking us for submitting our application. On XXXX/XXXX/XXXX Ocwen sent a letter acknowledging the receipt of the complete application and stated that we had provided all the documentation needed to evaluate our loan modification. " At this, time your application is complete. You have provided all the documentation needed to evaluate your loan for each modification option or other foreclosure alternative solution for which you are eligible. We will process your request as quickly as possible. " ( Ocwen ) The next Letter we receive on XXXX/XXXX/XXXX Ocwen states the they are unable to offer us a modification because, ; '' You failed to make the Initial trial payment within the required timeframe. ". Now after all of this contact from Ocwen they failed to provide us with any information in regard to any approval of our modification. Never sent a letter, and email, or made a phone call to my cell.
Failed to contact me within 30-45 days of my approval, which is evident by the letter dated XXXX/XXXX/XXXX stating we failed to make a payment we were never informed of or offered a reasonable chance of making. We never received a payment schedule, approval letter to sign, or even a payment booklet. When I contacted Ocwen about never providing me with any documentation of any approval they ignored the flagrant violation of our consumer rights said they would fix the mistake and allow me to make XXXX trial payment and the problem would be solved. That was 90 days ago and i have not herd back after countless phone calls and emails. Ocwens XXXX number says that my next payment is {$720.00} due XXXX XXXX, XXXX. This is part of Ocwen 's back dating of loan modifications scandal of XXXX.
Ocwen needs to honor the court ordered modification which they approved and failed to provide me with any documentation of now for a second time. Approval letter, Consent Documents, Payment Schedule, Payment Booklet. How could we possibly make a payment we were never informed of. This is after at least XXXX contacts by Ocwen and not XXXX relating to payments. This is part of Ocwen 's back dating of modification letter 's scandal of XXXX all over again in XXXX. Its extemely unusual that Ocwen ca n't deliver the XXXX a XXXX loan modificatio agreement XXXX now in two years. Instead only recieve and email from XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX a month after the modification letter was dated. The terms have to be realistic principle and interest on {$360000.00} is closer to {$2000.00} a month at 2 % not the {$4000.00} Ocwen wants us to pay. XXXX reasonable and customary payments of roughly {$2000.00} payed to an escrow account to the investor on the loan rather than Ocwen a debt collector stealing and not reporting the payment as is the customary practice at Ocwen. We would like to resolve this matter in a reasonable manner.
|
| 10/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Well I will start with my original loan amount was {$100000.00} now XXXX XXXX has my loan balance at almost {$150000.00} with their fees and such included which first issue is those fees should not have been add it to my account such as the sheriff 's fee and any fee associated with the home being in the Sheriff 's sale or foreclosed because a modification was pre-approved and then payments were made but XXXX XXXX forgot to cancel the sale and the home sold at the Foreclosure Sheriff 's auction I was unaware of this until 3 months into making my modification payments the sheriff came to my door and serve me papers telling me I had 5 days to vacate the property after days taken off of work and countless hours on the phone XXXX XXXX assured me they would have the same reversed but those fees were still added to my loan. Secondly the county assessor 's office which is XXXX County assessors shows that there was a sale to XXXX XXXX from myself for the {$0.00} amount and until recently the property was showing and XXXX XXXX 's name so when filing for my taxes it made it very challenging because they had not corrected the assessors information or the title filing for my property and it showed them as a homeowner it took me almost a year to get that corrected several phone calls to XXXX XXXX several phone calls to the county several emails until I got this matter resolved but that is the only thing that has been resolved. my modification payments agreed upon were {$680.00} I had that amount put into a separate account and those payments Auto drafted monthly from that account monthly pmts made with no problem for well over a year then in XX/XX/XXXX they attempted to pull {$300.00} more than what my original agreed XXXX.I contacted XXXX XXXX in regards to this and they explained to me it was due to my escrow being in the negative {$7000.00} I explained to them just a few weeks previous I received a check from XXXX XXXX because of an escrow analysis showing I have an overage now XXXX XXXX has my escrow in the XXXX just weeks later??? Previous to this increase in my modification payments only 2 months into my modification I received a eviction notice from XXXX XXXX XXXX stating my home was sold in the sheriff sale an absolute confusion and panic I contacted both XXXX XXXX and the county attorney that roll up the eviction to inquire as to why I have been making modification payments and my property what sold at the auction I was advised XXXX XXXX neglected to cancel or withdrawal the property in the sale which in turn call the XXXX County assessors to list XXXX XXXX as the property owner that issue took me countless emails phone calls to both County and XXXX XXXX to get corrected now a year later it is back in my name but still shows record of the sale to XXXX XXXX. During XX/XX/XXXX when they attempted to pull the {$300.00} additional in payments I did not deposit that amount of funds into that account so that payment was declined I contacted XXXX XXXX and quiring to the increase they advised me it was due to Escrow so I got a print out of the transaction history since 2013 and had countless unexplained escrow adjustments besides property taxes and homeowners insurance I have sense called many times spoke to many people sent many e-mails even faxed in letters requesting escrow to be reanalyzed due to huge discrepancies in the amounts and the fluctuation from a XXXX balance to a negative {$17000.00} balance to a {$2000.00} balance to a {$15000.00} balance and the fact that XXXX amounts in one year we 're paid for homeowners insurance which clearly is incorrect I have to this day still not received a response and explanation of Corrections and now they are requesting my payments to go up to almost {$900.00} instead of the XXXX agreed upon which has in turn cause my house payment to be delinquent again and when I paid bill pay over {$1800.00} it took 45 days for
|
| 04/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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Monthly Mortgage Payment Amount : Per the mortgage agreement for the property listed above, principle, interest, and escrow ( for PMI only ) is fixed at $ XXXX/mo for the life of the loan. Per the agreement, Ocwen does not pay the taxes on the property ( this was confirmed by Ocwen after a complaint was filed with the Consumer Financial Protection Bureau XXXX ), and the PMI is escrowed at a fixed premium ( $ XXXX/mo ). Payments on the loan have been paid on-time and in full ( or excess of the monthly requirement ) for the duration of the loan ( see attached payment history ).
The early XX/XX/XXXX, I contacted Ocwen via their customer care phone line to inform them that the monthly statements I was receiving indicated the incorrect monthly payment amount was incorrect ( {$2300.00} ). On XX/XX/XXXX, I received a letter from Ocwen indicating that they felt there was no mistake, and that the payment had increased as the result of a review which they determined increased the escrow amount due to a change in taxes or premium.
On XX/XX/XXXX, I sent written notification to Ocwen ( with excerpts from the mortgage agreement ) stating their research is incorrect, and that the loan payments can not increase if I have met the terms of the loan, and directed them to revise the statement amounts to reflect the payments required by the mortgage agreement. Instead of correcting the issue, Ocwen placed a notation on my credit report indicating that despite being paid in excess of the required amount, the loan was in dispute.
On XX/XX/XXXX I contacted Ocwen 's customer care line to follow up on my direction to restore the account and remove the notation on my credit score. During the conversation, the representative indicated that Ocwen despite the account being paid in-full and on time for the duration of the loan, their accounting showed a negative escrow balance ( i.e. Ocwen has an internal accounting error ) which they expected me to correct with higher monthly payments. He then pressured me to wait for resolution from their research department.
On XX/XX/XXXX, I sent written direction to Ocwen directing them to remove the notation from my credit report, along with back-up showing the notation on the credit report.
On XX/XX/XXXX I received a letter from Ocwen ( XXXX letters were received XXXX ea. for this and the outstanding PMI removal ) indicating that it would be an undetermined amount of time before the issue is resolved ( see attached ).
PMI Removal : On XX/XX/XXXX I sent Ocwen a request to remove the PMI for the property referenced above. Based upon the value established by a licensed appraiser, the property exceeded the 20 % equity to principle balance ratio requirement established by XXXX.
In a letter dated XX/XX/XXXX, Ocwen indicated the loan was not eligible for PMI removal per the XXXX XXXX requirements. Based upon the XXXX requirements, the loan is required to season for 24 months prior to being eligible for PMI removal.
On XX/XX/XXXX I requested the PMI be removed on the property referenced above ( the loan having seasoned for 24 months ). On XX/XX/XXXX, Ocwen customer care indicated the appraisal needed to be updated to be eligible for PMI removal. On XX/XX/XXXX an updated appraisal of the property was send to Ocwen. Subsequent to these requests, Ocwen indicated that an appraiser of their choosing must perform the appraisal of the property in order for the appraisal to be valid for PMI removal.
On XX/XX/XXXX, an appraiser from XXXX XXXX ( Ocwen 's representative ) performed an appraisal of the property referenced above. Ocwen received a copy of this appraisal on XX/XX/XXXX indicating that based upon the property value, the equity to principle balance well exceeds the 20 % required by XXXX.
On XX/XX/XXXX, an identical Ocwen letter indicating that it would be an undetermined amount of time before the issue is resolved was received.
|
| 09/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This complaint is in regards to Ocwen 's handling of insurance claim money distributed by the insurance company to cover replacing a hail damaged roof and gutters. My complaints are about unnecessarily cumbersome and stringent processes, changing policies mid-stream and poor customer service.
Ocwen appears to have a different standard of procedure than other mortgage companies for claims like mine. Since there was a lot of hail damage to roofs in Colorado and many of my friends and neighbors are also having their roofs replaced, I know what other borrowers have encountered with their mortgage companies. Settlements I am aware of range from {$11000.00} to {$18000.00} and everyone else 's mortgage company simply endorsed the check and let them cash it. My settlement was in this range and Ocwen is dispersing the money when I have met their criteria. My current loan is for less than half the estimated value of the property and less than the value of the land alone. Ocwen really has no vested interest in this repair.
The packet of claim forms is not well structured and is highly difficult to figure out what is required. In the email that came with the packet of forms it stated, " If the loan is current, you will have the option to act as your own general contractor throughout the repair process. In the event you choose to act as the general contractor, you will be responsible for paying any sub contractor XXXX s ) hired with the funds that are being released to ensure no liens are placed against the property. In this case there is no need for you to provide a contract between you or any sub-contractor ( XXXX ). '' I wanted to choose this option, but there was no place or form to indicate that I was doing this. I was supposed to sign a 'Acknowledgment of Guidelines ' which included supplying forms that were only required if I hired someone else to be the general contractor. I, therefore, sent a copy of the email and circled this line and wrote that I was choosing this option and wrote N/A next to each document which was not applicable if I was my own general contractor.
I mailed the check along with the paperwork on Thursday XXXX XXXX. I called on XXXX XXXX to request an inspection. I was told that I would receive a call from an inspector to schedule within 3 to 5 days. As of XXXX XXXX I have not received a call.
On Friday, XXXX XXXX I received a nearly incomprehensible email indicating the need for additional paperwork. The email stated, " Borrower has requested for Private Repairs but missing sighed XXXX License from borrower. Received copy of mail on which borrower has requested for PR but not signed. Hence not accepted OR else please send below missing document for normal procedure : '' First, there was no document to sign to indicate that I was selecting Private Repairs. Second this was the very first reference to an XXXX License. So I called to get clarification for what was needed and I was told that I needed some sort of license to do a Private Repair and that I would need to provide the contractor 's licenses of anyone I hired ( which was not asked for in the original packet ). I pointed out that this was different than what was stated in the packet and he told me that this was a policy change that had taken affect yesterday.
After complaining about this change he told me that in my case I could send a copy of my receipt for payment and he would email a form to sign and have notarized for selecting Private Repairs. He never emailed me any forms. This representative also said he would put in an order to have my property inspected. As of XXXX XXXX have not received a phone call.
On XXXX XXXX, I received an email indicating that I had five days to send XXXX attached documents that needed to be signed and notarized that indicated that I chose private repairs and indemnified Ocwen. Neither of these forms were part of the original claim packet
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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We are in a crisis ... My Brother in law who is a XXXX in the XXXX area suggested I contact you, because what I shared with him about what my husband and I have been dealing with for years was very disturbing to him. Our Loan Servicer is Ocwen and we have a very convoluted and complex situation. Over a year and a half ago, our Home Owners Association ( XXXX lien holder subject to our Mtg.Co. ) here in XXXX XXXX, XXXX, foreclosed on our home after negotiations to work out a payment plan fail through and they denied what we could afford monthly. This was a XXXX HOA F/C on our property since XXXX. In XXXX XXXX XXXX, who is the assigned Trustee, for virtually thousands of HOA F/C in XXXX XXXX, immediately accelerated the F/C and the investor, XXXX XXXX, XXXX , who won the bid for approx. {$9000.00}. for a {$200000.00} home, immediately went to the Records Dept. and changed the Deed to XXXX, XXXX, XXXX, with out a Title Company processing the Title which would have required our signatures. We made numerous calls to Ocwen Loan Servicing to inform them of what was taking place, making them aware that this Investor would be demanding we sign a Lease Agreement with him for a certain amount of rent each month, or he would threaten to evict us. When the XXXX days was up, we received notice demanding {$18000.00} ( double his investment ) upfront and if we wanted to stay in the home we would have to sign a lease for {$1800.00} a month. XXXX XXXX, with XXXX XXXX, scheduled an appointment with us, after realizing the home would need slab work, our A/C went out @ the expense of {$2500.00} he agreed to let us lease for less without the down payment. We work out of our home & felt vulnerable to his demands.We have been leasing from him from month to month since XXXX XXXX, XXXX. During this time Ocwen was notified of what XXXX XXXX was doing & XXXX had their attorney 's contacted him to try to resolve this. However, the attorney 's and XXXX XXXX went back and forth filing suits for months, so that XXXX XXXX could prolong our lease. It 's been a year now, and just a month ago we started receiving F/C ads in the mail and calls from Ocwen began again, wanting to send us Loan Modification papers. We realized that something must be happening. The Attorney 's for XXXX/Ocwen had not notified us, so we decided to call XXXX XXXX XXXX & XXXX, XXXX, attorney 's for XXXX/Ocwen. They informed us of a recent ruling from the lawsuit that was between XXXX/Ocwen & XXXX, XXXX, XXXX.The judge in the XXXX County Courthouse dismissed the case without prejudice, sighting the original HOA F/C was a XXXX Lien holder and subject to the XXXX Lien holder which is XXXX.We had questioned this many times with Ocwen reps. but no one would do anything about it. Recently on the phone with XXXX of the clerks in the XXXX department for XXXX, I informed them that we had not gotten any notice of F/C, but we were aware through the mail ads of a sale date for XXXX/XXXX/XXXX. She put me through to an attorney and she explained the ruling against XXXX, XXXX. XXXX, and said that the date set was in error because they had not sent out the notification of a F/C Sale Date to us. They registered the letter for the sale date for the F/C sale on XXXX/XXXX/XXXX. which we had to pick up at the Post Office. We have been through some hard times, and through some unique turn of events that effected our situation, which is to much to explain here ... Ocwen has inflated our original loan from {$100000.00} to now at {$260000.00}. Our home is valued at {$200000.00}. The investor XXXX XXXX, whose name is on the Deed to our property, told my husband we needed to have an attorney dispute some major discrepancies in our loan documents bordering on fraud charges in our loan documents. We have been under so much pressure trying to keep our business going & dealing with this mess.Between HOA issues & hardship ... can you help?
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| 12/31/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Until a few weeks ago, my primary residential mortgage loan was serviced by Ocwen. For approximately two years prior to refinancing in XXXX 2015, I had undertaking a plan to make a serious " dent '' in my mortgage loan balance. So, for two years, I made a series of " curtailment '' payments at various intervals, reducing my principal balance from approximately 112 % of my home value to about 75 %. One would think a loan servicer would welcome such a plan. Quite the contrary ; each curtailment payment was met with confusion, resulting in emails, letters and telephone calls exceeding XXXX communication exchanges.
For example, each month I made my required minimum payment plus " a little extra '' ( e.g., if the minimum was {$1800.00} I would pay {$2300.00} on the XXXX of each month ). Then, each month, sometime around XXXX-month ( coinciding with my bi-monthly pay-checks from my employer ) I would make an " extra payment '' using BofA on-line billpay, labelling each payment as a " curtailment. '' For example, during 2015 these XXXX-month payments were usually {$4800.00} and typically paid on the XXXX of each month. Without fail, Ocwen would treat these XXXX-month payments as advances against the next month 's required payment. I would call and each time the telephone representative assured me that they had " fixed '' the problem and all of my XXXX-month payments would be logged in as curtailments in the future. The next month would come, with statements trickling in about two weeks after my check was cashed ( even the online portal was 7-10 days behind posting payments ) and, lo and behold, I would discover that Ocwen had failed to post the XXXX- month curtailment correctly, yet again - oy vay. That is, my XXXX-month payment was treated as a payment against the following two months ' required payments, thus making my XXXXmonth payment post as a payment held in trust for three months hence. In other words, Ocwen held these funds " in trust '' but did not reduce my principal balance. Thus, I would write an email via their online system and make telephone calls until the situation was corrected, the interest charges changed, and the XXXX corrected to the amount computed by my handy XXXX spreadsheet ( thank goodness for XXXX ).
You might think, " well, that 's the way it goes. '' Well, here is how it went : Ocwen received my bill-pay, did not take note of the memo ( or the email or the historical record of requests asking that all XXXX-month payments be treated as curtailments ), entered the amount wrong and set me on a course of making countless emails and phone calls, wasting at least XXXX hours of my time over the past two years. But, that is not even the whole story. To add insult, the loan servicing department would often charge my account with a {$5.00} " transcript fee '' as though I had called to request a transcript for my benefit. In turn, I then had to write more letters, emails and make more telephone calls to get these transcript fees removed, explaining each time that any transcripts " pulled '' were not by my request but by their own posting errors and that I should not be required to pay {$5.00} to right their wrongs. Eventually they 'd give in, but not without my having sweated it out each month.
The only image I could fathom with respect to the people on the other end of these emails and phone calls was the XXXX XXXX - the XXXX XXXX outsourced version of course, but XXXX XXXX nonetheless.
As a tax advisor to banks and mortgage loan servicers across the country, I can appreciate the massive investment in technology that is required to service a residential mortgage loan portfolio - it is not easy. And that is why Ocwen should stop. If someone as informed on accounting and law as myself has this much trouble dealing with them, I can not imagine what the average person must experience. They simply do not have the infrastructure.
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| 09/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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EXECUTIVE SUMMARY : A technology fault with Ocwen caused my XXXX XXXX payment to be late. Ocwen falsely claims this is my fault and claims my mortgage was 33 days late. At the same time, they were in receipt of {$3000.00} sent by me to reduce the principal and they applied this money to the XX/XX/XXXX and XX/XX/XXXX payments ( since corrected by Ocwen ). I believe their actions are either ( a ) the result of incompetence or ( b ) a deliberate act on their part to keep collecting PMI ( private mortgage insurance ) from me. They refuse to address this issue and have merely told me to contact the credit reporting agencies on my own.
1. I have a mortgage with Ocwen, # XXXX. The mortgage was originally obtained with GMAC in XX/XX/XXXX. I have always been current and never later on the mortgage.
2. XX/XX/XXXX, I asked that the PMI be cancelled as I believe the Loan-to-Term Value had passed the XXXX-XXXX % threshhold, based on both the original value of the property at the time of the loan ( XX/XX/XXXX ) and with appreciation as determined by the county tax assessor. After speaking to several people in foreign call centers who I could not understand, I finally got a US employee who was very rude. She told me that I had to fax the request to an office in XXXX, that I could not mail or email the request. She stated that the recent tax revaluation from XXXX County, XXXX was not valid for assessing the Loan-to-Term value, and that I could only use the information gathered by Ocwen 's " approved vendor '' ( a company in XXXX ) to establish the home value. She stated I had to pay whatever the vendor charged. I also had the option of paying additional principal.
3. XX/XX/XXXX, I wrote a check for {$3000.00} to reduce the principal, requested automatic payments by filling out the required form, and asked that the PMI be cancelled and sent all of this to Ocwen 's address in XXXX XXXX XXXX, XXXX.
4. Ocwen negotiated the check on XX/XX/XXXX, and applied the money partially towards the principal and partially towards the XX/XX/XXXX payment. This has since been corrected ( see attached email ). The total amount, {$3000.00}, has now been applied to the principal.
5. Ocwen did not debit my account for the XX/XX/XXXX and XX/XX/XXXX payment until XX/XX/XXXX6. Ocwen sent me on a letter on XX/XX/XXXX stating that my account was 33 days past due, and that my mortgage was in default.
7. I immediately contacted Ocwen ( see attached emails ).
8. Ocwen claims that the late payment was my fault. They refuse to refund the late payment charge. They refuse to cancel the PMI. Their stated reason now is that I was late more than 30 days on a mortgage payment in the past six months. They refuse to correct the report of the late payment to the credit bureaus. They told me I could write a letter. I have attempted to resolve this with my " relationship manager '' at Ocwen, but they will not change their position.
9. The failure to debit money from my account was the fault of Ocwen. At the same time, they were in possession of a check for {$3000.00}. I believe they either do n't want to admit their incompetence, or this is a deliberate act on their part in order to keep the PMI fees rolling in.
10. RESOLUTION : I wish ( a ) Ocwen to inform the credit bureaus that the reporting of the later payment was an error on their part ; ( b ) refund my late payment for XX/XX/XXXX of {$56.00}. ( c ) Cancel the PMI retroactive to XX/XX/XXXX and return the {$150.00} they charged me for the months of XX/XX/XXXX and XX/XX/XXXX ( {$300.00} ). Open source information on the Internet is replete with stories of Ocwen 's shenanigans and shady dealings, including stories like this from the XXXX XXXX XXXX on XX/XX/XXXX : " The executive chairman of Ocwen Financial Corp. will resign as part of a legal settlement with XXXX 's financial regulator. '' Ocwen has paid of XXXX in fines since XX/XX/XXXX.
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| 04/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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It started out that we put our house up for sale and received an offer on XX/XX/XXXX. We signed the offer and we were set to close escrow in 25 days. Making it possible to buy the home in Oregon that we had already made an offer and it had been accepted. The title company started doing there diligence shortly after and requesting payoffs from my Mortgage companies. My first loan is held by Ocwen bank. Ive had my loan with Ocwen almost 11 years and they have been very difficult from the beginning. In XX/XX/XXXX, my loan was set to go up to some crazy high interest rate due to loans back then being very awful! I had called and called Ocwen begging them to please help! They just kept putting me on hold and said I could try to get a modification and to fill out the paperwork. That was a nightmare!! Horrible experience!! Lots of time on phone with Ocwen just to be told they never received my paperwork or it was incomplete. It was one thing after the other. But just kept getting the run around for months! I went to an all-day seminar for people trying to save their homes. This was when a lot of people were forced to foreclose on their homes and the banks refused to help. Well in the end of this all day event. I learned that Ocwen would never approve my modification unless I missed at least 2 payments! That's right. I had to miss 2 payments first before they would even consider my loan. They said at this seminar. If you make your payments the banks assume you can still afford it and they wont modify your loan till you show you cant afford it by missing payments. Crazy!! So that's what I did and 2 months later I finally got a modification. Praise XXXX! The modification that I got with Ocwen was called a SAM modification. Only offered with OCWEN! It was basically them reducing the balance of my loan to what my house was worth at the time and they said they would forgive the difference. I received tax forms to fill out and show this forgiven amount over the next 3 years. I had to make every payment on time for 3 years or I would forfeit the modification. I of course made all my payments on time from then on. But in the contract it said when I go to sell my house, they would get 25 % of the appreciation value but to never be more than the forgiven amount. Also they would recognize certain improvements made to the property after modification. They would minus these improvements from the amount owing.
So now that brings us to today and us waiting for this payoff from Ocwen so we can close escrow at the end of the month as stated in the purchase agreement. But now we are again waiting for Ocwen to give us a payoff! The title company 1st requested the payoff on XX/XX/XXXX and Ocwen replied with an email on XX/XX/XXXX stating they needed an appraisal or a final purchase agreement 1st because this was a SAM modification and they needed to know the value of home. So of course the title company emailed them the purchase agreement ASAP and waited. And waited. Ocwen then sent out an email on XX/XX/XXXX stating they are working on a payoff and it would take additional time and expect delays. What? How long could this possibly take? Iam thinking? They have the purchase agreement and what could take so long? We included some receipts of big improvements we have done to house. All with receipts and dates and amounts. Very clear! But they are insisting on calling every contractor to verify work. Even with a receipt. Of course they leave a message and tell them to call the XXXX # and hold. No contractor has time for that? Its a dirty rotten plan to post pone a payoff and to not have to credit the customers for their improvements. We are waiting for this payoff to be able to finalize the sale of our home. We only have a few days left and the buyers will walk if we cant close escrow! I ve explained this to Ocwen over and over and still nothing? We need help! And Fast!!
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| 05/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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In a letter dated XXXX/XXXX/XXXX, OCWEN Loan Servicing 's Research Department acknowledged receipt of our RESPA Qualified Written Request ( QWR ) /Debt Dispute Letter and Cease & Desist Notice dated XXXX/XXXX/XXXX ( hereinafter, " QWR1 '' ), stating that OCWEN will provide a written response within 20 days from receipt of our QWR1 Letter. We have not received to date OCWEN 's response specifically addressing our dispute and request for validation of the mortgage debt purportedly owed to XXXX XXXX, XXXX, as trustee for a mortgage-backed securities trust ( MBS trust ) : XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX.
Instead of responding and addressing the issues that we brought up in our XXXX letter with specificity, we received a letter from OCWEN dated XXXX/XXXX/XXXX stating that foreclosure activity has been initiated on our home property, and that a notice of mortgage default has been recorded! Thereafter, we received a copy of a Notice of Default ( " NOD '' ) executed by XXXX on XXXX/XXXX/XXXX and recorded with the county recorder 's office on XXXX/XXXX/XXXX.
In view thereof, we sent on XXXX/XXXX/XXXX a follow-up QWR2 letter which reiterated again our dispute and request for debt validation. In said QWR2 letter we offered OCWEN a settlement compromise reiterating that despite of our current dispute about the alleged debt, we are willing to conditionally take OCWEN 's claim that they are authorized servicer in our mortgage loan without any further proof - provided OCWEN favorably consider and approve in good faith our request for a reasonable loan modification with a fixed interest rate, forbearance or forgiveness of arrears, if any, and appropriate principal loan reduction that would result to an affordable monthly payment given our financial hardship and current capacity to pay such mortgage. In our mind, this will prove that OCWEN is authorized by the unassigned, undocumented and UNKNOWN true note holder and present beneficiary in our mortgage loan to act as its servicer and agent in approving our loan modification application.
We transmitted with the QWR2 letter a completed Request For Mortgage Assistance form together with all the supporting financial documents required. We further stressed our willingness to fully cooperate with OCWEN to get the chain of title in our home property in proper and legal order so we may be assured that when the loan is modified and eventually paid-off in full at maturity, OCWEN, on behalf of the real party in interest, can and will provide us clear title - that is, free and clear from any potential claim by another party, thereby eliminating our exposure to a double financial jeopardy situation. As it stands to date, there exists a broken chain of title in our home property because of the fact that shortly after loan closing in XX/XX/XXXX our original lender, XXXX XXXX, had irrevocably sold our mortgage loan, for full value received, in a verified securitization transaction. The multiple sale of our mortgage loan to a securitization sponsor/seller, then to a depositor, and ultimately to the MBS trust ( through its trustee ) without the required intervening assignments of deed of trust and complete chain of concurrent note endorsements resulted to an irreversible break in the chain of title of our home property securing the loan ( because no one can go back to the absolute XX/XX/XXXX " Closing Date '' of the REMIC MBS Trust ). See transmitted herewith is our QWR2 for ready reference.
We received an acknowledgment letter dated XXXX/XXXX/XXXX from OCWEN that they will provide a complete response within 10 business days. However, we have yet to receive OCWEN 's full response to date. Meanwhile in a separate letter dated XXXX/XXXX/XXXX, which did not address our debt dispute at all, OCWEN proposed a trial loan modification which is unaffordable given our current financial hardship.
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| 10/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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As a result of an IRS claim that I owed many, many {$1000.00} in back taxes ( it was a few {$100.00} ) I was force to refi my home in 2006. I needed to use Delta Funding ( no legitimate lender would ) because the IRS, despite claiming they would not file lean ( damage to credit ), did anyway as I was researching loans. XXXX XXXX was told I needed funds by a concrete date and planned to refi again as soon as I could get the credit matter behind me in a year or so. They structured a loan at an outrageous rate ( 8.75 % ) and sent the loan docs to me for review. As I have since my previous military reenlistment I read all the docs " thoroughly '' and a signing date was set for approx. 3 weeks before my " concrete '' due date with IRS. About a week before that date XXXX contacted me and claimed they had run into issues with the folks that were to manage the signing and asked to reschedule the date to the afternoon of the day before my IRS deadline. I explained the " Date '' issue again and was told not to worry that there was enough time to meet my deadline. What this " rescheduling '' effectively did was to have their person come to my place of business, in the middle of the day, frustrating me & my employer. As a result the paperwork was rather quickly signed without additional review. They managed to sneak by me an additional page that committed me to continue the mortgage for many years or pay a significant penalty. I caught this that evening when I got home and contacted XXXX immediately. They answered none of my calls or emails over the next several days. The funding happened on time. It took a bit of research but I found the only place I could complain about this issue was the NY AG. Nothing ever came of it. I resolved to simply live with it. After all, I signed so it was my responsibility. Over the next few years my financial situation began deteriorating and of course the market meltdown took place. When the mortgage modification business began I attempted to use the process. I made my enormous payments all along but was still working and at least had an income. Rather better off generally than the folks I was hearing about. Anyway, I contacted OCWEN to attempt the mod. It was DECLINED. Upset, but I still made the payments though I honestly considered simply throwing the keys on the kitchen counter and walking away. Well a few more years past and at XXXX yrs. old my 30 yr. employer told me to take a walk. Out of work I had to begin spending my XXXX savings to pay my bills and I decided to try a mod again. ( Declined again. ) It seemed that despite the fact that I was spending my retirement money to merely survive ( I assumed I would outlive it ) OCWEN felt that was OK by them. Well despite reading and hearing that a person could manage a mod without a lawyer, I was desperate and figured I had no choice. Told that OCWEN would likely not foreclose during the process, I gambled and paid an attorney and simply had to stop paying the lender. OCWEN, confronted by lawyers and no payments suddenly became interested in a mod. I finally got one this past spring. It helps, but frankly the lender loses nothing in the bargain. I have no equity, and am essentially a renter with the balloon payment. Anyway, my problem is this. OCWEN, though not required to, reported my delinquency to the credit bureaus. So regardless of their previous unwillingness to modify XXXX identical circumstances ) thus forcing me to stop meeting my mortgage commitment, my credit is ravaged. As a result, other than costing me more if I was interested in additional credit ( likely not XXXX, the reporting is now costing me more for insurances and credit I already have. So here I am jammed up by the IRS, defrauded by XXXX XXXX, helped the lender stay in the " black '' throughout the worst of the meltdown and I find myself a renter with horrendous credit ; does n't seem fair. XXXX.
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| 08/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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Re. XX/XX/XXXX- XXXX and XX/XX/XXXX- XXXX Update on Ocwen.
Hello-46 days after I filed my complaint XXXX XXXX XXXX admitted their error and asked Ocwen to refund my overcharge of {$1000.00}, plus the overpayment of {$110.00} which as you know I had sent back to Ocwen- XXXX XXXX XXXX who was the Customer Resolution Account Rep assigned to my case at XXXX XXXX XXXX called me on XX/XX/XXXX to inform me that she had sent in the request to Ocwen on XX/XX/XXXX but received no response from them.She then escalated the matter to Ocwen Management on XX/XX/XXXX again asking them to refund my money, again she received no response.
In the meantime XXXX XXXX- Ombudsman at Ocwen ( respondee to my previous complaint ) calls me and leaves me messages stating that they are trying to work it out with XXXX XXXX XXXX- this is a complete falsification and she lacks credibility, just as Ocwen does as a whole. She calls me from XXXX XXXX XXXX and asks me to call her back at XXXX XXXX XXXX, neither number is answered by her, I have tried them both 30-40 times. when she does not answer the voice message says -Our numbers have changed and we are directed to call XXXX XXXX XXXX XXXX as the new number- when I called that number on XX/XX/XXXX it was answered by a phone rep who informed me that she does not know who XXXX XXXX is nor does she know how to reach her, she was given y property address and my SS no. and she went on to say that I had No loan with Ocwen and my previous loan from XX/XX/XXXX was transferred to Litton Loan Servicing in XX/XX/XXXX. So, I kept trying that number and finally XXXX XXXX answers the phone- the one and only time in over 40 tries. She States- Yes, we finally got an e-mail from XXXX XXXX XXXX to refund your money and we are working it out with them- what ever that means. The she goes on to say that she is leaving on vacation the next day and will be back by Monday XXXX and it all be worked out with XXXX XXXX XXXX by then. Today she calls and leaves me a voice message that they are still trying to work it out. I am furious, so I try her number 14 times and no one answers as usual, I get redirected to their alleged " new number '' and a phone rep. XXXX answers and looks up my account and says XXXX XXXX has put a notation to send me back {$110.00} as the Borrower ( me ) sent it to them in error. My contention being that she and Ocwen are playing games and have collected {$1000.00} on a baseless explanation and now are refusing to send me the money back.I have repeatedly asked them for an Agent for Service, but none has been provided- I wish to take legal action against Ocwen for this fraud.I emailed them through their website on XXXX asking for an agent for service, and I was sent a secure message from " XXXX '' telling me that they received my request and are working on it- I have received no response since then and no agent for service has been provided.
It has been 17 days since XXXX XXXX XXXX has asked them to refund my over charge of {$1000.00}, and on today 's date XXXX XXXX notes on my account asks to send back the {$110.00} again, which I requested them not to, as I will only send it back again. Their actions lack sincerity and they are barely legal in the statements '' we are working on it " .XX/XX/XXXX Ocwen was fined XX/XX/XXXX for force placing Insurance on borrowers, they did it to me as well in XX/XX/XXXX.
I am asking that Ocwen be sanctioned and disciplinary action be taken against them.I am now seeking an additional {$2500.00} for the 20-30 hours that I have spent in this matter for my time, and punitive damages to a hardcore fraudulent Loan Servicer.It has been 64 days since I paid them off-inclusive of the overcharge, and I have yet to receive my Re conveyance as well.
I request CFPB to get involved as leaving Ocwen to do the right thing will not work as their intentions are to cheat me, and that is plain for all to see
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| 09/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Over the past XXXX years I have been in a constant struggle with Ocwen Loan Servicing, and my home is now in foreclosure. After the death of my husband, and it became apparent that I would need help making payments, I pursued loan modification ( my interest rate was 5.8 % ), HARP, ( they said my credit was not good enough ) and used all my life insurance benefits to stay here another year, while pursuing all the options they gave me. My monthly payment was {$1200.00}, and I was approved for the Florida XXXX Program, XXXX XXXX, after much dogged paperwork accomplished by myself. Knowing that I only had one year to recoup with this aid, I was working seven days a week. Ocwen suggested that I roll my Homeowners Insurance and Property Taxes, a total of about {$3500.00} at the time, XXXX which I had been paying out of pocket XXXX into my payment, which then escalated to {$2000.00} per month! I complained almost daily, their explanation was that they needed to build up enough escrow to pay for before-said expense, to carry me for two years into the future. In facing this and no way to pay, Ocwen suggested that I refinance through their co-company, XXXX, which I did, at a cost of extra {$10000.00} added to my debt, monthly payments of {$1300.00}, with taxes and insurance rolled in, interest rate of about 4.3 %. That was XXXX, XXXX. I was making exactly enough money to afford the payment, other bills, and barely enough left over for gas and food.
Then I received a letter from Ocwen in XXXX XXXX, stating that I had an escrow refund of {$700.00} coming my way, a welcome relief as my employment suspended for XXXX XXXX with no pay, and I planned to use that escrow towards my XXXX, XXXX payment. Again, I called daily, was assured the check had been mailed, then told by each representative following, that the previous operator had lied. They told me outright that the customer service people had lied repeatedly.
I then began a daily campaign with the XXXX, who was stalling and stalling, said payment was mailed to wrong address, even though I had been with Ocwen for over eight years. Upshot : I got the check XXXX XXXX, XXXX, and was late with my mortgage payment, and had late fees added, told, sorry, but you are responsible for your mortgage. That month I was also XXXX at work and could not earn a living for five weeks. I got even further behind. I made three months ' payments by credit card, the service fees added. I listed my house to sell in XXXX as well.
I lowered the selling price several times, no interest in the property. began pursuing a deed-in-lieu. All the documents were accepted, reviewed, deemed to be complete by Ocwen on XXXX XXXX, XXXX. DIL to get the XXXX XXXX moving expenses.
On XXXX XXXX, I was told " Congratulations '' by Ocwen, my DIL had been approved and I was to take my home off the market. Three weeks later I was notified that he second lien on my mortgage from Florida XXXX XXXX was standing in the way ; an amount of {$22000.00}. XXXX has been very co-operative, agreed to settle for {$1300.00}, in a DIL circumstance. When I referred this to my one-of-many Relationship Manager, I was instructed to fax the complete documents packet to The Research and Resolution Department at Ocwen. They begged for more time to review, final conclusion : DENIED.
Once again I began calling almost daily, being told something different by each " Relationship Manager ''. The last two times XXXX end XXXX XXXX XXXX I actually reached the same person, he told me that I had been instructed to fax the documents to wrong dept., they were probably in the trash. He noted that in all his years at Ocwen he had seen only seen XXXX DIL 's done, they took a year each to close, and the people got nothing out of it. The next call he notified me I was in foreclosure now, although he had sent docs. to correct dept.
XXXX they accepted the offer, to be done in 2 wks.
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| 11/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My name is XXXX XXXX. I have a mortgage loan with PHH Mortgage Loan # XXXX. I recently filed a consumer protection complaint against them under case # XXXX-XXXX and they responded XX/XX/XXXX. The issue with them is continuing to collect mortgage payments under my name by an unauthorized 3rd party who filed bankruptcy chapter XXXX on my debt lying to bankruptcy court listing debt as her own ( Ms. XXXX XXXX ) when the debt is solely mines. I am the purchaser of property at hand and already filed chapter XXXX bankruptcy with my debt being discharged. I requested my case be closed, my personal information stop being used by others, and all debt collection under my name and loan be ceased. However, debt is still being collect by bank from unauthorized 3rd party who has been late continuously under the bankruptcy plan. She lied to court she lives in property when it actual sits empty. I'm filing another complaint ahainst PHH in esponse to first complaint which they stated I may contact them and when I did, a representative refused to speak to me on my own debt because the case is under chapter XXXX with an attorney for this 3rd party unauthorized party. Ms. XXXX XXXX. This is unlawful I can not even speak on my own debt I acquired and the bank assigned a manager relation named XXXX XXXX which numbers provided in response are invalid.
The resolution I'm requesting from PHH is to : 1. Clear me to speak on my own debt. I am not represented by an attorney and therefore, should be allowed to speak on my debt.
The bank indicated in their response they obtained legal counsel to inquire how this property was obtained.
I am responding to they inquiry.
I purchased home in XXXX as a single woman. Worked all my life living in home for 14years. I had become terribly ill with ongoing health problems and in XX/XX/XXXX was hospitalized where Ms. XXXX XXXX, my cousin came with notary while I was on medication and had me sign my home so she can handle my affairs if I died. When I got out I asked her to sign home back.over while I lived in it continuing payments. However, she always wanted home but was never willing to work for one of her own and lied stating she spent {$20000.00} on upgrades not willing to produce one rreceipt for so called upgrades to rent house out for me. We had mediation with court mediator who told my cousin she can clearly see she is trying to take my home and any arbritrator could see that and she knows she's lying about spending {$20000.00} in this home she barely had signed over to her. My cousin then evicted me out the house with no place to go. I have never been homeless in my life until this dirt bag came along.
Worked all my life until I became very sick and XXXX. I had money to pay her back for true amount she really spent on upgrades after I went to store XXXX XXXX and obtained receipt she only spent {$3000.00} but she continued to tell her same {$20000.00} lie to make sure I could not get my home back. The true place ms. XXXX spent {$20000.00} on is all her attorneys fighting to take and keep my home. During this time, I have had negative reportings on my credit because she pays late having to dispute negative credit reportings. I still have home owners insurance being bought on my behalf by bank. I'm still currently receiving billing statements every month when I already filled bankruptcy and my debt discharged. I think this is the most illegal thing I ever heard how bankruptcy court allowed a unuthorized 3rd party person to make payment arrangements on a debt that is not even legally theirs.
I am once again asking PHH to stop and cease all payments and actions under my name. If they don't, I'm going to be searching for an attorney to bring a lawsuit so great against the bank and bankruptcy court for violation of my rights to privacy of my personal information and violation of my own bankruptcy. This is plan ridiculous!
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| 09/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
|
OCWEN IS PROCEEDING TO FORECLOSE ON OUR HOUSE WITH A SALE DATE OF XXXX XXXX MONDAY XXXX XXXX in spite of having conducted only a sham review of our prior CFPB complaint ( # XXXX, of XXXX XXXX, XXXX XXXX, and in spite of having sent a grossly uninformed and irrelevant response, which is the third such response in a row. More details on this are below.
-- -- -- -- -- - First, though, under these circumstances, we need immediately : -- -- -- -- -- - 1 ) FOR OCWEN TO STOP THIS XXXX, with a sufficient postponement to conduct a short sale that is not chilled by the prospect of imminent foreclosure.
-- -- -- -- -- - We then need : -- -- -- -- -- - 2 ) for Ocwens Short Sale department to define a realistic sale price that will be accepted. We have had the house on the market since XXXX with frequent showings, but no offers that reach the level of XXXX we have been given as the required price level.
-- -- -- -- -- - XXXX ) for Ocwens Loss Draft department to disburse our escrowed insurance funds that, as we have documented, are owed to contractors for repairs on the house. ( Do these funds still exist, or has Ocwen, being insolvent, diverted them? ) -- -- -- -- -- - 4 ) investigation of the XXXX XXXX contractors Ocwen sends to break and enter at our house ( and many others ), who have repeatedly destroyed expensive locksets and stolen our belongings.
-- -- -- -- -- - XXXX ) a correct number for what we owe on the mortgage. We had the house under agreement for a short sale in XXXX and the mortgage servicer sabotaged the sale by refusing to approve an exceptionally good purchase offer. The great majority of our payment arrears have accrued since that time, and it is not our fault that the house was not sold at that time.
-- -- -- -- -- - Regarding Ocwen 's response to our recent complaint : I have prepared a copy of this response, annotated for the ways it is deficient and inaccurate ( filename " Annotated Ocwen response to # XXXX. " ). Since the message box of your Feedback site does not take attachments, I am submitting it here.
-- -- -- -- -- - I have spoken with XXXX XXXX, the author of this latest response, and he turns out to have conducted his review on the basis only of the documents his superiors chose to provide him, WHICH DID NOT INCLUDE THE PRINCIPAL DOCUMENTS AT ISSUE IN THE COMPLAINT. These are invoices and supporting documents from repair contractors, who are owed a total of nearly XXXX in funds held in escrow by Ocwen and whom Ocwen is failing to pay. XXXX XXXX 's response completely ignores the core of our complaint -- that Ocwen persistently neglects to address these 90 pages of documentation we have gone to exceptional lengths to provide, multiple times and he acknowledged to me that despite these documents ' central status in the complaint, he did not concern himself with retrieving those documents from company files, nor even with mentioning them at all ( or the lack of them ) in his response.
-- -- -- -- -- - We implore you not to accept this sham as a response please stop this foreclosure and require from Ocwen a meaningful review that includes attention to the relevant documentation we have now given Ocwen several times over. This time, although this documentation is large and Ocwen has no excuse for not having it, I am adding that full documentation to my attachments on this new complaint form, as filenames " XXXX invoice docs, '' parts 1-8.
-- -- -- -- -- - In addition, for reference, I am supplying the files that made up our XXXX XXXX complaint -- starting withthe text in the " what happened '' and " fair resolution '' boxes, and then four attachments they describe, including annotations to the two prior Ocwen responses, which were to complaints filed through the Massachusetts Attorney General 's Office. These files are all flagged as being from the prior complaint by having filenames beginning " 6-20. ''
|
| 06/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
OCWEN over charged me every month after OCWEN posted the {$76000.00} from Keep Your Home California in XXXX 2016. Instead of doing the recast paperwork in XXXX 2016, OCWEN got very busy taking my name off the loan, ruining my credit by removing the loan from the credit bureaus, locking me out of my account, taking my name off the account and hounding me mercilessly to send the homeowner 's association master insurance policy over and over for months, only to say they did n't need it after all when I asked XXXX XXXX of XXXX XXXX to make OCWEN stop.
OCWEN suddenly stopped asking for the policy they did n't need, reversed the reversal of the assumption and started trying to repair my badly damaged credit. OCWEN took it 's time with the recast, forcing me to pay a higher amount each month until they could get around to the matter. Then OCWEN blamed me, the same way they blamed XXXX and XXXX ... OCWEN always blames the parties they are working with on any given issue. They have never taken responsibility for their mistakes.
The delay in the recast was obviously caused by OCWEN having a field day blowing up our lives. The could not handle all that destruction AND do the recast paperwork properly, so they just concentrated on the destruction, taking my name off the loan and making a huge mess that would be hard to clean up.
OCWEN instructed me to only talk to XXXX XXXX when they decided to reverse the damage. I, the Department of Justice and CFPB are all being asked by OCWEN to believe that OCWEN 'S decision to reverse the damage is because of my " displeasure ''. I have never heard of " displeasure '' being a cause of action or a reason for any business transaction. I also never have heard of a company asking an individual what amount of money they would want to settle out of court being " conversational '', just chitchat.
XXXX XXXX, on three occasions, asked me how much I would want to settle out of court. Because of his settlement questions, I told attorney 's I was speaking to about this matter that OCWEN seemed to be pressing to settle out of court, but only verbally and that I would ask OCWEN to put it in writing. I gave a deadline of Friday XXXX XXXX, 2016 so that this would not drag on for months like ever matter with OCWEN does. On Friday XXXX XXXX sent the same XXXX pages he sends to answer any question, the same " one size fits all '' pile of public documents that we are supposed to believe excuse any action OCWEN has taken and will take. On Monday XXXX XXXX explained that the settlement talks that he initiated were " just conversation ''. I had not initiated the settlement talks. I was actually surprised when XXXX XXXX kept asking me to give a specific amount I would like to receive. After OCWEN caused a horrific amount of stress in XX/XX/XXXX and XX/XX/XXXX, I told XXXX XXXX I would accept a settlement. Again he asked how much. I took him serious, as my OCWEN contact. I think OCWEN needs to start telling the truth. Why did they put my name back on the loan. What law did they realize they broke? Why did OCWEN torment me further with this fake settlement offer? I have requested no to speak with XXXX XXXX from now on since everything he says might be " conversational '' and not to be taken seriously. In court I imagine OCWEN attorneys will say, " Oh, XXXX was just personally curious about how much you would like to settle this matter, he was not representing OCWEN when he put you through all that. It was just " conversational '' XXXX '' I think OCWEN did something wrong, something illegal and attempted to cover it up with XXXX pages of public documents that do not excuse those actions. I think OCWEN 'S use of the word " displeasure '' as if it is a legal term, is also a red flag indicating something illegal was done. No one reverses actions because of " displeasure ''. Actions are reversed because they were found to be mistakes.
|
| 05/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I have a home that went into foreclosure in XX/XX/XXXX. I do not know this company that sue me or did any mortgage trans action in the past let me tell you this in the beginning. my mortgage company was Homecoming Financial in XX/XX/XXXX my rate adjusted in due to the economy lost my company that year. I try to modified the loan with Homecoming but right when I was modified the loan a Attorney from XXXX XXXX trustee gave me a notice to foreclose. I ask Homecoming about this Company they had no idea who this company was either. they submitted fraud paper work and mortgage note that only had Homecoming on the promissory note in XX/XX/XXXX of a complaint to foreclosing. While there foreclosing still on me Homecoming Finacial decided to transfer the loan to a different servicer and holder in XXXX of that year to GMAC AND RESDENTIAL CORPORATION BEING THE HOLDER.. now this time is getting more confuse to find out who to modified the loan. I also know that XXXX XXXX Trustee is a trustee for a investment group the one that was foreclosing was also using GMAC as a servicer. I got a Attorney started to answer the foreclosing and the Judge set a side the foreclosure I told him i was trying to modified the loan. XXXX my lawyer try to modified the loan with GMAC Servicer with residential corporation being the holder of the note. The Service would always come back to say send us paper work or we never received paper work. One time back in XXXX XXXX my lawyer told me to send a payment trail XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX payments was XXXX all these payments have been document. all together was XXXX dollars that was never recorded to any pay off mortgage records as of today. In XX/XX/XXXX XXXX Turstee filed again for foreclosure. My lawer summited to the courts a answer to the complaint and counter suit the claim too for false collection with out proper paperwork, adjustable rate adjusting before the time to adjust and transferr notice to XXXX XXXX Trustee from Residential Corporation with no notice from GMAC Servicer to transfer 30 days notice. there was also a robo signer to a affidavit that XXXX XXXX Trustee submitted to the courts in XX/XX/XXXX and XX/XX/XXXX was not crediable signer to the courts a XXXX XXXX you can see more info on him through the internet looking up his name that work with GMAC Service. My Attorney argue through out XX/XX/XXXX and the courts would never knowledge the evident. it took the courts 5 months to even rule on the foreclosure which was rule on in XXXX XXXX after all the arguments were in. the last document that was submitted from XXXX XXXX Trustee was XXXX XXXX in they came back with a endorse copy of a promissory note stamp to XXXX XXXX Trustee pay to the order from Residential Corporation. paper work this was never submitted to the courts when they first filed for foreclosure they were back filling ownership but we still havent verified if this is a true statement from GMAC XXXX OR XXXX BEING THE HOLDER. It was hard to reach them at the time and GMAC went bankrupt and turn there loans to Ocwen. the service GMAC and Ocwen service to this date has not recorded pay off number of the loan right, transferring notice sent in 30 days from Residential to XXXX XXXX Trustee by mortgage federal laws. All this was pointed out to the judge in XXXX County in XXXX, Indiana Courts. the judge still ruled for XXXX XXXX Trustee. I believe the judge here in my county has no time to look at my case in detail so he just rule on who has a promissory note with out looking at the details of this case closely. the loan number XXXX with ocwen loan servicing the loan now XXXX XXXX with my address being XXXX XXXX XXXX XXXX Indiana XXXX my number is XXXX please do look into the case in XXXX county XXXX XXXX Trustee vs XXXX XXXX its a long journey to get someone to understand how wrong this is and breaking Mortgage laws.
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
Wells Fargo Bank , N.A . ( " WFB '' ) has refused to answer simple questions I have asked them about whether or not they actually hold the original note for my house loan.
Starting in XXXX XXXX, and continuing until now, I have issued numerous requests to Wells Fargo Bank , N.A . ( " WFB '' ) and Wells Fargo Bank, N.A., as Trustee of the securitization that holds the loan ( " XXXX, Trustee '' ), their loan servicer XXXX XXXX XXXX and their attorney 's at the law firm of XXXX, XXXX, XXXX XXXX XXXX, XXXX. asking them to show me the original note. They have ignored my requests and NOT produced the original note for me to see.
WFB/WFB, Trustee, as plaintiff, has sued me in a foreclosure lawsuit without complying with Oklahoma law that requires a plaintiff in a foreclosure lawsuit to hold the original note prior to filing the lawsuit and to present to the court either the original note, a certified true and correct copy of the original note or an affidavit that they, the plaintiff, hold the original note and held the original note prior to filing the foreclosure lawsuit. WFB/WFB Trustee has NOT shown the original note to the Judge of the court nor complied with either of the other XXXX options to prove they held the note prior to filing the foreclosure lawsuit.
I have evidence to prove that WFB/WFB, Trustee DOES NOT HOLD the original note and DID NOT HOLD the original note prior to filing the foreclosure lawsuit against me.
I have presented to WFB/WFB, Trustee and to the court sufficient evidence that proves the original note was securitized in the Structured Asset Investment Loan Trust XXXX. This means that the original note : A. Has been converted into a stock as a permanent fixture. It is now a stock and governed as a stock under the rules and regulations of the SEC, XXXX. Once the note was converted into a stock, or stock equivalent, it is no longer a note, and XXXX XXXX loses its security component ( i.e. the deed of trust ).
I have further filed with the court sufficient evidence to prove that WFB alleged to the Securities and Exchange Commission that XXXX XXXX XXXX XXXX XXXX already sold the Note into the Securitization Trust by the Closing Date of said Trust - On or about XXXX XXXX, XXXX.
A Securitization Audit was filed with the court and there is no record in its findings that support WFB or WFB, Trustee ever, to date, having funded any part of this original loan.
The court issued an order granting the Plaintiff 's Motion for Summary Judgment on XXXX XXXX, XXXX, stating, " There is no genuine issue as to any material fact ''.
I had in fact presented to the court several genuine issues of material facts, supported by sworn affidavits, which the judge ignored.
On XXXX XXXX, XXXX, the Judge entered an order confirming the sheriffs sale and requiring me to pay to the law firm of XXXX {$4400.00} per month rent in order for me to remain in the home during my appeal. This is a real hardship and very difficult for me to pay since I am on XXXX and I am XXXX XXXX XXXX.
On XXXX XXXX, XXXX, I filed an appeal of the Summary Judgment Order foreclosing on my house.
In the last few weeks starting on XXXX XXXX, XXXX, I have written to XXXX, XXXX XXXX XXXX XXXX XXXX letters asking them if they hold the original note. They have not answered those questions. I have asked them to deny that they hold the original note or admit that they do n't hold the original note. They have refused to do either and have not even replied to my last XXXX letters.
In a recent Internet article by XXXX XXXX entitled " Banks Fined {$81.00} XXXX for Biggest Fraud in History '', he wrote that Wells Fargo was charged " Restitution and Penalties : {$5.00} XXXX. Engaged in mortgage servicing abuses, ... ... ''.
I have certainly been the VICTIM of " mortgage servicing abuses '' and respectfully ask for help getting clear answers from Wells Fargo Bank.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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My situation is that I have a XXXX and XXXX mortgage that has ended up at Ocwen. I purchased the home in XX/XX/XXXX before the housing bubble burst. My house is located in XXXX, AZ, where I earn a modest income for a single parent home with XXXX child under the age of XXXX and another that I am helping to get through college ( XXXX years old ). My house is under water by about {$20000.00}. Even with that, I do n't believe that the house would appraise at the estimated value. I have explored refinancing but have had no luck. I do not qualify for any of the government programs since it is not a XXXX or XXXX. I chose to go conventional and did not take any of the " low '' interest loans because I felt that they were to good to be true, so my XXXX is at 7.5 % and my second is at 9.75 %. I was working XXXX hours at night and through the weekend which gave me differentials on my hours, however, this took a tole on my youngest so when he entered XXXX, I chose a significant pay cut to go to a day shift at only XXXX hours a week. I have managed to maintain my mortgage payments, but now OCWEN is requiring that I pay full " replacement '' cost for flood insurance for my home which was rezoned into an " XXXX '' from a moderate risk area. This is to the tune of approximately $ XXXX, more than XXXX my hazard insurance rate. If we put this into a 20 year perspective, I 'm being asked for about {$60000.00} more for a mortgage that I 'm am trying to hang onto even though it 's probably a stupid financial decision, but for stability for my son who is going into XXXX this year, I thought this more important. I do not have any savings, since I used it as a downpayment on my house in XX/XX/XXXX which quickly evaporated into air. Therefore, the {$2000.00} they 're asking will have to go onto a credit card which will add more monthly stress as far as paying bills. My yearly gross income is approx. {$80000.00} out of which I pay Health, Dental, and Eye insurance, and a variety of other debts and utilities. My house was built in XX/XX/XXXX and has many maintenance issues which I have been slowly trying to address but since I ca n't qualify for an equity loan ... ... well you see my point. Is it possible I 'm being forced out in order for Ocwen to acquire the property for other possible reasons, i.e. to raze the house and put up rentals which are popular in this area because it is close to the University? Who knows. All I know is that even with all it 's faults, I love this house and had hoped to live here until my final days. I played by the rules, not taking a subprime mortgage so that I would be able to pay throughout the life of the loan, given my income at the time and assuming I would be able to continue working in a somewhat steady field ( I am a XXXX with over 30 years experience ). I am employing a surveyor to hopefully qualify for an Elevation Certificate ( {$600.00} for survey, then another {$65.00} and change if the property qualifies for the certificate ). But, this is a gamble as I have no idea what are the qualification criteria. You may understand that even {$600.00} for me is a stressful amount. Does anyone have any advise for me????? I fear that without the Elevation Certificate I will be forced to walk away and all the money that I have put into this house ( mostly mortgage and downpayment ) will have just been a financial catastrophe for me. I do believe that within time, this area will continue to recover, but it will take time that I may be forced into giving up. Is this my only option????? Or is this just a " too bad, so sad, would n't wan na be ya '' situation with no options? I have to say, it 's really hard to explain to my son that everything will work out OK, when he sees me crying about this situation that in his mind, all he 's seen is me working all hours of the night and day to help try to preserve a dream, " the American Dream.
|
| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
Ocwen did not provide full disclosure until after I called it to their attention. An Ocwen employee had the decency after I insisted to provide in an informal manner financial information that should have been disclosed to me from day one. I have provided that document to the CFPB and Ocwen. I was asked how did I know that? Also the person attempted to explain that once the loan process was completed the monies were forgiven?
Initially only the payment amount was disclosed. I insisted on all financial information Im accustomed to receiving. Then and only then did Ocwen put it in writing like nothing had occurred. Im sure if their files are examined, which I will see that they are, this is a normal practice and has been done with other customers.
Ocwen is now retaliating by transferring my loan in the estate of my deceased daughter to another lender without correcting their error.
My good faith effort to make timely payments is the only control I had or have over this entire loan process.
I can not address the lender Ocwen dumped on because that lender did not create this problem, cant correct this problem and does not know what has taken place.
I will continue to send my payments to Ocwen until they correct this situation or it is corrected by an outside source.
I have no control over how Ocwen conducts business. I cant control when and if Ocwen sends me documents.
In this case the documents were not handled properly initially nor finally. I made all payments as I had agreed.
Which is the only thing I had control over ( the payments ). I performed Ocwen did not. Once I finally received the final documents ( not received in time for me to execute and return by XX/XX/2017 ) I completed and had motorized and returned the documents. Ocwen has acknowledged receiving the documents, but Ocwen is saying the document is late. This is Ocwen fault. The initial documents were late?
Ocwen did not get the initial loan paperwork to me in time for the XX/XX/2017 Payment. They owned up to their mistake. because they provided my information to an unauthorized source. The only reason they are not owning up now is because they are retaliating. They did the exact same thing initially, why did they not lie and stand firm at that time?
The final paperwork was not sent until I continually requested the final paperwork. I was still receiving during the entire loan process and after payments were made, request, several request for information to provide information that I was the executor of my deceased daughters estate. Why would I make payments, timely payments?
When I was continually requesting the final documents, I was receiving every document they have except the one document needed to finalize the loan.
I received several new loan packages, letters for request of executirship. I even received original documents ment for me that were sent to others. Others who forwarded those documents to me after deadlines had passed. That is how I knew to contact Ocwen and that the loan process had been completed. It was evident by what and when I was receiving there was a grave communication problem within the organization. Now their only recourse is to place blame for their mistakes and errors on me passing their problem to others Its not the fact that they transferred the loan, but the status and how they transferred the loan. If Ocwen knew they were transferring the loan, why did Ocwen not fix their problem? What difference did it make to transfer the loan in good standing as it should have been? What were and are they trying to hide?
Ocwen is known as the most blatant servicer for loan servicing errors in the servicing industry. They need to own up to this mistake and fix it.
My calls to XXXX XXXX were to talk to XXXX XXXX. When employees cant get things right its up to the CEO and President to step in and fix it. Thats what needs to happen.
|
| 09/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I lost my full time contract with my job and got behind in my payments. I completed all the paperwork for a modification. The company sent me a notice that they did n't have all of my paperwork in time to review my package. But, I completed all of the documents. I got a phone call that I did not send my income verification form and that it needed to be filled out and to sent in immediately. But I had already forwarded the letter of employment and my salary amount to them.They emailed this " income verification form '' with no code for me to open it. Since I could n't open it, I just emailed back my employment letter with the salary amount. Every time I called for information no one understood what I was saying ( everyone in the customer service office is in XXXX ). When I asked for someone in the United States, the representative told me she could not transfer me to the States and I would have to keep calling the same number until someone from the Stateside picked up.
I was sent a notification in the mail that my home was in foreclosure and the sell date was XXXX/XXXX/XXXX. I called and was told they had not received my income verification form. I told them I emailed the salary letter. The representative told me I needed to complete the form. I told him I could not open the document, because no one had given me a code. This representative told me, the code is the last XXXX of your social security number. So, I went immediately and opened the form to complete it. That 's when I found out that the " income verification form '' was an IRS transcript request form!! I called back and asked why they needed a new form, because I had included everything with my documents. I was told the form was completed improperly. I asked them how? I was not allowed to alter ANY of the documents sent, and I was instructed to only complete the budget form and sign all the others. The representative stated that the " income verification form '' only include the years XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but XX/XX/XXXX would be needed.So, I immediately forwarded the new document along with a completed IRS transcript I had already received for my son 's financial aid account at his school.I called a few days later to check on the status of the modification and was told my modification had been rejected because my paperwork was incomplete! I again asked to speak with someone in the US, I was advised they could not transfer me and that the foreclosure on my home would proceed on XXXX XXXX. I asked how much it would cost to reinstate my loan, but the individual was not sure about the total and just told me to send in {$6400.00}. So, then I called the attorney 's office handling the foreclosure ( XXXX XXXX XXXX ). The representative could not tell me about a reinstatement cost and directed me back to the company and to as for the Loss mitigation department. I called OCWEN again and asked to speak with someone in the loss mitigation department. I was told there was no loss mitigation department.I searched for a U.S. number and found XXXX. I called the number on Monday and was transferred to a woman named XXXX XXXX ( XXXX ext XXXX ). She apologized for the misunderstandings and advised me to forward {$4500.00} by bank wire only directly to any XXXX XXXX using the following information : OCWEN LOAN SERVICING , LLC IN TRUST FOR VARIOUS INVESTORS AND MORTGAGES routing # XXXX account # XXXX and to include my name, account number, and property address. She told me to fax the bank wire transfer receipt directly to her at XXXX or to fax it XXXX XXXX ( phone number XXXX ext XXXX ) at XXXX on XX/XX/XXXX. Everything was sent as instructed. I called to verify the stop on the foreclosure & was told it had been stopped. Was told on XX/XX/XXXX by HOPE the foreclosure was completed. The cash bank wire was returned 13 days later on XX/XX/XXXX reason : not enough information.
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have had trouble from my mortgage from the get-go. I was forced into a mortgage with a refinance of 2 years with a prepayment penalty lasting 3. It cost me my equity. I really needed the money to fix the damaged home I was sold ( a Realtor vouched for it and I bought it sight unseen ( never again! ) This was INDYMAC Bank. Finally after an attempted ( and found to be illegal ) foreclosure a few years later after a near-fatal car accident that cost me my only vehicle and with NO compensation added to their repeated " loss of paperwork '' jive for a loan modification the government stepped in and created XXXX INDYMAC 's new company. We got our modification and everything was ok. Then out of the blue we find out our property is actually XXXX XXXX XXXX ( we bought the property that said it was XXXX XXXX XXXX ). We have tried for years to change everything but the utilities and now OCWEN ( New Co mpany spelled backwards ) refuse to make the change. Then we get our mortgage sold to OCWEN a debt collector located in XXXX, XXXX. We were fighting with our insurance XXXX who dropped us after 10 years of denied requests for fixing our home that was severely damaged in XXXX and the various other weather phenomena here in Alabama. While fighting with them, OCWEN gave us forced insurance with a company they created ( XXXX ) and raised our mortgage well beyond my ability to pay. Now we are several months behind ; the last payment I sent in XXXX of 2015 of {$250.00} they wo n't put in my account because it was supposed to be {$280.00} which is sadly too much for me. Evey time it rains my house floods. My home repairs and high utlities ( heaters, dehumidifier etc ) takes most of my {$730.00} just to keep it going. I have XXXX children and support them and my XXXX ( XXXX ) wife who does have papers saying she could work if there were no people around. There are no jobs like that here in XXXX. I am on SSI for XXXX XXXX so even that small amount would have cost me the money for the repairs I must attempt on my own and am still paying off. I applied for a loan modification in 2015 that is still being dragged out with : '' need additional information '' :, but they never tell me what I need. At this rate my home will not be able to be saved as they reuse to cooperate and continue to use INDYMAC '' S number to harass me all hours of the day and night costing me time on my government phone. In the beginning they called me from another number, but since this process started ( loan mod ) they are using INDYMAC 'S number to call all day long and often after XXXX 7 days a week. Even if they are a debt collector they still have laws to follow and I am not seeing any of this being done. They send me tons of paperwork stating the same thing, but nothing as to what I lack to use their insurance to help with the repairs ( the insurance is still in the payments and OCWEN did say I could make a claim ). I am so lost. My wife 's wedding present home of almost 12 years is on the line, it 's now a wreck and my utilities are high because of it. I have given them everything I have. I am worried about them being a foreign company with all of my information. This is an unsettled world we live in and having my info out there ( I got a call from a representative I traced to XXXX and the rep had my social security number and everything on his phone and you could hear he was on an open street with lots of foreign-speaking passerby 's that could possible have seen my info on his phone. After that scary call my wife disconnected our home phone and she lives in fear of any problem that may arise from my very private and personal info being so public. I have no idea what to do. My house is wrecked, I have this company acting shady, and I can not afford to move or even pay what goes for rent nowadays. If my house was in good shape I could afford $ XXXX- $ XXXX/month for mortgage.
|
| 12/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen placed my condo up for a foreclosure auction sale on XXXX/XXXX/XXXX @ XXXX ( Monday ) with XXXX XXXX XXXX XXXX XXXX XXXX despite repeated requests for a reasonable loan mod. On the morning of Friday XXXX/XXXX/XXXX, I was forced to file bankruptcy ( BK ) in order to prevent to pending sale. The BK petition was filed at XXXX on XXXX/XXXX/XXXX. My lawyer XXXX from XXXX XXXX Law Firm reassured me that there was no way for OcwenXXXX to sell my condo once the BK had been accepted by the court and that any further attempts to do so would be illegal and display contempt for the BK court.
Due to my multiple negative experiences with Ocwen in the past, I decided to check up on whether or not my property was still up for sale. So I contacted the sales office of XXXX, etc. later that afternoon at XXXX XXXX to make sure that they had been notified. Unfortunately, I found out that my property was still listed as being up for auction on XXXX and that Ocwen had not yet informed them about my BK filing. So I contacted the BK/Collections Dept. at Ocwen and was finally able to get through at XXXX XXXX and was once again routed to XXXX where I was informed that their department had not yet received official notification of my BK. I reiterated that I had filed BK and that Ocwen had to immediately cease and desist from any further attempts to sell off my property. The person on the other line was incapable of assisting me.
So I contacted my BK attorney by Friday XXXX ( XXXX/XXXX/XXXX ) but he had gone to another firm for a meeting. So I left a message with his secretary letting him know that my condo was still up for sale at XXXX XXXX the following Monday morning. I then contacted XXXX XXXX from Ocwen 's Escalation Dept. since she was personally handling the foreclosure auction sale of my property with XXXX. I left a detailed message with her answering service at XXXX since her office in Florida was closed by then, letting her know that a BK had been filed to stop the sale of my condo and I also left my attorney 's name and phone number on her recording. I thought that I would now be safe. Wrong again.
I called XXXX sales office repeatedly throughout the weekend to ascertain whether or not there was simply a time delay between my filing and their processing. However, XXXX refused to acknowledge my BK filing up until less than 1 hour before the auction sale on Monday XXXX/XXXX/XXXX @ XXXX. Ocwen 's BK dept. also refused to acknowledge my BK filing right up to less than 1 hour before the sale despite my repeated numerous frantic phone calls to them.
I was finally able to get hold of my BK attorney by XXXX Monday morning and informed him that the auctioning of my condo was still going forward at XXXX XXXX. He was shocked by Ocwen 's obnoxiousness and illegal manueverings. I then gave him Ocwen 's Escalation specialist XXXX XXXX 's direct line since she had never returned my phone call or acknowledged my BK filing in spite of several attempts. I also gave him XXXX 's sales office phone in order to immediately stop the illegal sale of my condo. I finally received confirmation at XXXX that the sale had been stopped.
This is the XXXX time that Ocwen has attempted to illegally sell my condo. On XXXX/XXXX/XXXX, in spite of the fact that I had wired the entire funds in arrears needed for full reinstatement directly to Ocwen 's account, their facade company XXXX Foreclosure attempted to continue to sell off my property within minutes of the auction time slot. I had to fax info to XXXX even though it was a subsidiary of Ocwen copies of my wire transfer. In addition I had to repeatedly call Ocwen to call XXXX back to inform them that they had received all of the stated needed funds. This is once again further proof that Ocwen continues to engage in illegal tactics and unethical corporate behaviors in spite repeated statements that it has finally changed.
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| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have had a foreclosure dismissed last year of XX/XX/2014.It cost {$7500.00} in attorney fees.
Ocwen reneged on a XXXX agreement dated XXXX after they cashed my check. I believe they had all documentation and simply failed to process the loan, a case of the left hand not knowing what the right hand was doing. Then post facto they amended requirements. Ocwen claimed there was a problem with signatures for this XXXX. I have always maintained they are liars and cheats-they had the originals. I recently found out what they were accusing me of was falsifying the signature document from my ex husband. In XX/XX/XXXX I faxed a copy of an affadavit to the CFPB from my ex and the original notary for his signature that it was indeed his signature. My lawyer shared this document with Ocwen 's attorney. This should have taken care of the enforcement of the terms of the XXXX. Recently, as requested by Ocwen, I had an independent appraisal done on the rural approximate XXXX acre parcel with the house for which the original mortgage is based, came out to {$100000.00}. Current County Auditor property taxes are based on {$100000.00} to further support that number. Sales offers also support the appraisal. That appraisal was also submitted to Ocwen 's lawyer which they deemed " invalid '' and refused to recalculate a new modification based on that figure. Ocwen claimed the properties it was compared to were to far apart. Not true, I live in a rural farming area and that is physically how the area is laid out with similar sized homes and parcels. I believe Ocwen committed fraud against me ( multiple ways and times ) and are in breach of contract for the XXXX XXXX based on their own lies of the signature page once the affadavit from my ex husband was submitted to them recently. Ocwen never reached out to my ex husband in four years for verification of his signatures EVER. I learned from a housing advocate that was helping me and communicating with Ocwen on my behalf in XXXX of this year, that Ocwen was accusing me of forgery ( Ocwen never outright ever told me or my ex that ). They just said there was a problem with the signature or that it was a copy, never told me how to rectify whatever was wrong. I always maintained they had my ex 's original and my original notarized signatures.They claim they would not honor that XXXX XXXX until I submitted a new appraisal. I did. They do n't like it. They have offered a newer HAMP when I was working with Springboard out of California, a HUD agency and sent it to me AFTER or very close to the date it was to expire. Most recently they offered another HAMP for {$190000.00} and arrears. I disagree with this principal loan amount of their latest modification and it needs to be modified to the current appraisal. On XX/XX/XXXX, I received XXXX letters from Ocwen, XXXX were certified. XXXX was stating that I am behind, another that I am in preforeclosure, and another advising me of alternatives to foreclosure and foreclosure scams. I have tried repeatedly to work with Ocwen, countering their offers that push my already underwater mortgage further underwater, I will never be able to refinance with a local bank that services their own mortgages with a house and XXXX acres that is simply not worth what it is currently mortgaged for. No legitimate financial institution would do that. Ocwen needs to make this right, but it seems that they can not rid themselves of a culture of lies and deception, not only to the consumer but to their investors as well. They continue to make each and everyday an " OCWEN GROUND HOG day for every consumer they deal with. Need back on a level playing field by forcing them to do the ethical/legal thing without incurring $ XXXX in legal fees. Do n't have that kind of money and they use that to wear people down. It would be cheaper for both parties if Ocwen just went with the facts and appraisal.
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| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, I was with Saxon mortgage. I got caught up in the loan scam where they increase your loan rate. My mortgage went from {$2100.00} to {$3500.00}. At the time, I was married and our business which was as an electrical contractor almost went belly up due to the economy. And with the payment almost doubled and my income falling stale ... I contacted Saxon Mortgage and was approved for the HAMP program. I made 3 payments XXXX, XXXX, XXXX ... and they called me and said they made a mistake and I didn't qualify. They then told me I was in foreclosure. I called back and spoke to a different person ... they said I qualify but they gave me the wrong amount. So we began on the HAMP program again. Now before I go any further, 2 of the previous payments were never credited to my account. It was in the amount of I believe {$860.00} and some change. I asked for it to be reviewed only to be ignored. I then just kept paying my payments for the new HAMP program I received. In XXXX of XXXX they told me that I was approved and the final modification would be mailed to me. I was told not to make the HAMP program payment thru XXXX XXXX but to send it as a bank check attached to the signed loan docs for the modification. I never received the loan docs. I called numerous times asking for the docs ... they said they sent them ... then they said they resent them via XXXX. Still nothing. I called many many times that month. On XX/XX/XXXX, I spoke with a rep named XXXX. She seemed concerned for me and said if I didnt get the pkg by XX/XX/XXXX to call her and she would take my payment over the phone. I called on XX/XX/XXXX, they said XXXX wasn't in but that they couldn't take a payment because according to the HAMP program now I was 31 days late and now no longer eligible for the program and they were foreclosing on my home. I freaked out and called an attorney after calling the AG office. The attorney said to save my home, I needed to file bankruptcy. So I paid Attorney XXXX XXXX from XXXX, NH and began the bankruptcy process. A couple weeks after filing, Saxon sold me to Ocwen and Ocwen was willing to " work with me ''.
Now when all this process began, I owed just over XXXX on my mortgage. Bare in mind that I had been paying on my mortgage in one form or another and that this process had been approx just over year ... but again, I paid XXXX for 3 months ( only 2 of which were credited ) and then XXXX thru XXXX at just over {$1600.00}. Ocwen mortgage then made my principle balance over {$310000.00}. It didnt compute and I called the AGs office again as well as my governors office trying to get help. No one could help me so to save my home, I had to take the cards I was dealt.
I canceled the bankruptcy and it was dismissed not discharged. I paid all my debt.
Now, in XXXX XXXX, Ocwen sold my mtg to PHH and it seems I'm missing payments to my loan. And I cant get in touch with Ocwen ... it automatically sends me to PHH when I dial the Ocwen number and I cant get any info.
I need your help. Here 's a quick summary ...
1. Payments missing from Saxon totaling over {$1700.00}.
2. Adding almost 100k to my loan ... for what? Now I'm severely upside down on my home by over 130k.
3. Ocwen missing payments and putting me into preforclosure. Currently I'm only 1 payment behind but shouldn't be based on the previous missing payments from Saxon and a payment seems to be missing from XXXX or XXXX of this year but no one can give me info from Ocwen.
They also have me at 4.5 % for the rest of the life of my loan and I found out I have a huge balloon Payment at the end which I was told when I accepted the $ XXXX mortgage that if I paid on time for 5 years, that Ocwen would forgive the balloon ... another lie. I paid on time and {$500.00} extra every month.
Ocwen, Saxon and PHH are terrible companies and I advise against ever doing business with them.
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| 11/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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this is in response to Ocwens attorney filing XXXX XXXX, 2016 the Law firm of XXXX with attorney XXXX XXXX XXXX who gloated to this Bureau in re to the XXXX Courts decision, what she wholly failed to mention was my Motion to Stay Proceedings ( see attachment below filed XXXX XXXX, 2016 ) in which the Court failed to rule, also my acknowledgment that my complaint was filed in a court that did not have jurisdiction XXXX XXXX XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX XXXX shall be the monitor and shall have the authorities and perform duties described in the enforcement terms. '' XXXX XXXX further gloated in re to the wrong cease and desist letter filed by me, in which she has the correct copy within her file when I filed my complaint as an exhibit which I mistakenly filed ( which I have attached the correct copy to this responsive complaint ). knowing she had the correct cease and desist letter and claiming to this bureau she did not have is genuinely dishonest as a practicing attorney should raise serious ethical issues with this Bureau. also on a number of occasions she stated in fact, " I am unable to find evidence that Ocwen failed to comply this was a very self-serving statement, of course she would n't find evidence, she is the attorney representing Ocwen and hired to side-step the consent judgment, which stated " within 15 days of the effective date of this consent Judgment the plaintiff, shall designate an administration and monitor all aspects of the consent judgment and the monitoring of compliance with it by defendants ( Ocwen ). ''!!!, in which they did in fact appoint XXXX XXXX XXXX XXXX XXXX and so XXXX XXXX was never appointed monitor of the consent judgment what she sees or did n't see is irrelevant as a matter of law because she has unclean-hands which is self-serving. further stated, " the XXXX XXXX XXXX retains jurisdiction for the duration of the consent judgment to enforce its terms, the consent judgment can only be modified by order of the XXXX XXXX XXXX. '' also, " the court shall retain jurisdiction for purposes of enforcing or remedying any outstanding violations that are identified in the final monitor report and that have occurred but not cured during the term. '' Exhibits page XXXX of the consent judgment XXXX states " The SPOC ( Specific Person of Contact ) shall, at a minimum, provide the following services to borrowers ; a. Contact borrower and introduce him/herself as the borrower 's SPOC ; b. Explain the programs for which the borrower is eligible ; c. Explain the requirements of the programs for which the borrower is eligible ; d. Explain program documentation requirements ; e. Provide basic information about the status of borrower 's account, including pending loan modification applications, other loss mitigation alternatives, and foreclosure activity ; f. Notify borrower of missing documents and provide an address or electronic means for submission of documents by borrower in order to complete the loan modification application ; g. Communicate Servicer 's decision regarding loan modification application and other loss mitigation alternatives to borrower ( in writing ) ; h. Assist the borrower in pursuing alternative non-foreclosure options upon denial of a loan modification ; i. If a loan modification is approved, call borrower to explain the program ; j. Provide information regarding credit counseling where necessary ; k. Help to clear for borrower any internal processing requirements.
5. The SPOC shall remain assigned to borrower 's account and available to borrower until such time as Servicer determines in good faith that all loss mitigation options have been exhausted, borrower 's account becomes current or, in the case the borrower in bankruptcy, the borrower has exhausted all loss mitigation options for which the borrower is potentially eligible and has applied '' Ocwen never ever complied
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| 10/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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The XXXX moved our family from XXXX to XXXX XXXX of XXXX. We had purchased a home there in XXXX right before the housing market went down the toilet so we owed more than the house was worth. I got in touch with the VA program that would cover the difference in the short sale price and what we owed. The house has been on the market since XXXX XXXX. We did n't get an offer until XXXX XXXX. The offer and the VA would have covered everything we owed. Ocwen kept delaying and asking to resubmit info we already sent and then asked the buyer to pay more even though the realtor sent comparative listings proving that 's all the home was worth and they would be getting all their money. At that time we were not yet behind on any payments to them. The buyer walked because he was tired of waiting and did n't want to pay more. In XXXX we were no longer able to pay both that mortgage and our rent here and had already run up our credit cards. Another offer was submitted in XXXX for less than the first offer. After again much delay and multiple resubmissions of the same documents and sending me on a wild goose chase for a document they said I needed that turned out did n't exist and all they needed was a blank piece of paper ; they finally approved it. However the deadline they gave for the buyers to get the inspection and all their paperwork done scared them off because they did n't think they could get it all in and would then lose the inspection money. During this time they assigned me a relationship manager but I only spoke with them once ; all the other appointments were a different person calling every time. I called 5 times in one day trying to locate the nonexistent document and got disconnected the first 4 times and then finally getting transferred only to find out he needs us to fax him a blank piece of paper. No apology or anything in fact he blamed my realtor and said I should have been happy to even get to speak with a short sale person because they only talk to the realtor, not normal people. I repeatedly asked why the first offer got denied and the second offer for less got approved and got multiple answers from I do n't know to we do n't make the decision here to some ridiculous math formula that said they only approved over {$110000.00} which neither offer was. Two more offers were submitted in XXXX and again I had to resubmit their XXXX something page packet listing every penny we spend and sending a copy of every check from work and a letter from work giving my pay dates and my taxes again from XXXX that I already sent twice. They kept telling my realtor and I that they never got the taxes and pay stubs uploaded to XXXX and the disclosure statement had the wrong names on it. My realtor sent me a copy showing the correct names and that Ocwen was pulling up the statement from the last offer with the old buyers name on it. I sent everything to my realtor again and she uploaded everything together in a new document. That was XXXX XXXX. This morning ( XXXX XXXX ) my relationship manager called me and said they still do n't have any of the documents. I kept saying my realtor sent them again 10 days ago and he just kept saying no send them again we do n't have them. I kept insisting they do and he told me to stop repeating the same thing and I told him he keeps repeating that they do n't have them so I 'm repeating you do, what else do you want me to say? Finally I asked for a supervisor and he said he would transfer me to a short sale person because they can see if the documents got uploaded and he does n't have access to that. I asked him why he keeps telling me they do n't have them if he does n't even have access to see if they do? He said he 's just going off his notes. He transferred me and the short sale guy said everything was there. I 'm so frustrated and angry and our credit is ruined and I just want this nightmare to end.
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| 12/19/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Ocwen Loan Servicing , LLC failed to respond completely to a QWR composed XXXX/XXXX/XXXX. Ocwen did notify me that an extension would be needed to adequately respond to requests for production & answer questions. However, their Research Department sent the final/ incomplete response prior to the extension deadline of XXXX/XXXX/XXXX.
A follow-up to the initial QWR ( QWR # 2 ) was sent from me to Ocwen on XXXX/XXXX/XXXX explaining that their response was unsatisfactory/incomplete and that it was my hope that a complete Response would be sent to me by the deadline of XXXX/XXXX/XXXX. This did not happen. Instead, Ocwen has sent duplicate packets of incomplete information hoping that they will suffice.
In an effort to avoid sending an extremely long & complicated QWR that may be construed by Ocwen as being overbroad, I have sent XXXX additional QWRs to Ocwen ( # 3 and # 4 ) XXXX dated XXXX/XXXX/XXXX. QWR # 3 was composed to reply to Ocwen 's Response letter & ask additional Servicer-related questions. QWR # 4 was composed to record an inventory of the information that has been sent by Ocwen thus far & to explain which requests for production & answers remain outstanding.
My mortgage was never registered with MERS ; so, all transfers of title should be recorded with XXXX XXXX, Colorado. According to the information made available to me by Ocwen, documents produced by XXXX XXXX XXXX XXXX formerly XXXX XXXX, & documents recorded with XXXX XXXX, Colorado, there had been no transfers of title since the inception of my mortgage with XXXX XXXX Mortgage XXXX ( XXXX/XXXX/XXXX ) until, coincidentally, XXXX XXXX, XXXX. Since XXXX XXXX filed for Chapter XXXX Bankruptcy XXXX/XXXX/XXXX, XXXX would think that at least XXXX transfer of title would need to have taken place prior to, on, or about that date, but that is not the case. Using this publicly recorded data, it is my claim that Ocwen has, as a knee-jerk reaction to my inquiries, fabricated a " XXXX XXXX of Deed of Trust ''. Additionally, Ocwen has filed this fabrication with XXXX XXXX, Colorado as of XXXX/XXXX/XXXX. In short, it seems as if my mortgage loan has not been funded since XXXX XXXX, XXXX. A XXXX/XXXX/XXXX HAMP modification agreement names no investor or lender ( only HomEq as the Servicer ).
Per my original mortgage contract, I am obligated to defend generally the title to the property against all claims and demands. I believe the " Assignment '' filed by Ocwen maliciously slanders my title ; thus, after speaking with the Recorder 's office was given permission to file a Notice of Defective Title with XXXX XXXX, Colorado.
Per discovery thus far, I do not believe Ocwen, as purported Attorney-in-Fact for XXXX XXXX, has standing to be considered a party to my mortgage contract. However, I will abide by my contractual agreement by not initiating or joining any judicial action regarding a breach of any provision of the security instruments by the other party until I have served Ocwen with a formal Grievance and allowed Ocwen the lawful time period in which to respond.
As an aside to the title matter, after having had time to compare & contrast documentation regarding my mortgage loan transaction from Ocwen and XXXX XXXX, there are blatant Truth in Lending violations that do not necessitate forensics to understand. As XXXX dive deeper into this investigative process, in retrospect, it is clear to see that I was a victim of predatory loan practices, appraisal fraud, & put on a dual-track modification path. I will be outlining all of these items in more detail in a formal Grievance after I receive Ocwen 's Response to my latest QWRs. I will update the CFPB accordingly.
I appreciate you consideration & thank you for the opportunity to relate this information to a third party. Please feel free to contact me for further questions or concerns.
Respectfully, XXXX XXXX ( XXXX XXXX XXXX
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| 04/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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No surprise, but my issue is wi th Ocwen Loan Servicing. I was assigned t o Ocwen by XXXX about 3 years ago. In that time, it has been beyond a nightmare to deal with Ocwen, a nd although there were some mistakes on my part, the experience of dealing with them has left me speechless. In XXXX XXXX XXXX , I had XXXX XXXX which resulted in a long period of rehabilitation and being off of work. Prior to my XXXX I contacted Ocwen to see what options existed to avoid an issue with my mortgage. I was told nothing existed and I needed to keep them informed of my situation and catch up payments when I returned to work. I called every 2 weeks to keep them informed, but after 3 months received a letter stating Ocwen was pursuing foreclosure. Another call yielded no results and I was told to get current on my payment or risk foreclosure. I attempted to file a modification. Once the packet was completed and I was told the modification was approved, and to follow the instructions on the paperwork I received in the mail. The paperwork never showed up, s o 3 weeks later I called and was told that the due date had passed and the modifica tion was cancelled. I went through making partial payments as I could, but they were not applied to the monthly paymebt because they werent full payments. So I recd another foreclosure letter in XXXX XXXX . Upon contacting customer service I was told I woyld have to go through the modification process all over. I did, and submitted all necessary paperwork. After 3 months of inquirimg I was told there was paperwork missing and the modification would have to be started from the beginning again. In XXXX XXXX I submitted once again the necessary paperwork, and was told it would take a month or two and once the modific ation was approved I would receive the packet in the mail with instructions. In XXXX XXXX I called to find out about paperwork and was told I should have recd it, but never did. I was also told the modification date had passed and that I would need to go through it even again, from the beginning. I completed the paperwork once again, submitted, and called consistently to see what the status was. After multiple ( o ver 10 ) calls, I fi nally received paperwork. Only to find out that the modification details required me to pay the mortgage note at the same monthly payment as it was ptevious to the modification, for 20 years and also required a balloon payment of XXXX XXXX dollars which Ocwen was not responsible to finance, at the end of the loan. After talking to Ocwen an d writing them to inform them that these terms were unacceptable, and going through modification paperwork even again, I recd another modification packet in XXXX XXXX , which now had still not adjusted the monthly payment, and now made the balloon payment XXXX XXXX dollars. After multiple calls and a letter in writing, I had to complete yet even another modification packet, sent it in. After multiple calls, found out on XXXX XXXX through a customer service person, that my modification had been approved and the first payment was due XXXX XXXX , which was 2 w eels prior. After sending an email and calling, I was told once again, the ppwk had been sent and I shouldve recd it. I finally receive the modification packet on XXXX XXXX , and there is no change in monthly payment and still a balloon payment of XXXX XXXX dollars. So I emailed, and was told to get the payment in as soon as possible. Being that it is alrea dy 3 wee ks past the due date, Im not even sure that this modification wont be cancelled. So that is where I stand now, and can not get an answer on the balloon payment, or why the terms of the modification hadnt changed from the original terms, or what will happen to the modification seeing as it is already 3 wks past the due date and I just received the packet.
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| 03/22/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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I am writing to request your assistance in resolving collection by the above listed company for a debt I am no longer responsible for. Enclosed you will find a page from my credit report reflecting a false entry by Ocwen Loan Servicing. As a brief background, I sent a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ) to XXXX, XXXX and XXXX. On XX/XX/XXXX. It should be noted that Ocwen is considered to be a debt collector within the meaning of the Fair Debt Collection Practices Act ( " FDCPA '' ) when they acquire servicing rights and responsibilities of this alleged delinquent loan.
In that Notice of Direct Dispute, I included all of the requirements of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ), namely : identification of the specific information that is disputed, my basis for the dispute, and relevant information reasonably necessary. The investigation into same was completed on XX/XX/XXXX. I have enclosed the results of same for your review. Ocwen Loan Servicing began listing this account as a past due traditional mortgage account on my credit report in XX/XX/XXXX. This is the first of many inaccuracies relative this entry on my credit report. This is NOT a mortgage account. It should be noted that the account was never reported to the credit bureaus prior to XX/XX/XXXX. Ocwen listed this account as a " Traditional Mortgage Account '' on my credit report. This is just the first of numerous false details about the entry Ocwen has fraudulently placed on my report. While Ocwen Loan Servicing may service loans, once they begin to collect on delinquent loans, they then become a debt collector subject to the laws under the Fair Debt Collections Practices Act ( FCDPA. ) Ocwen can not report this as a traditional mortgage account when according to their own representative, the account was acquired in delinquent status ( SEE ENCLOSURE. ) To that end, I am at a loss as to why a traditional mortgage account would only begin to report in PAST DUE STATUS five years after the alleged inception of same. I.e never reported in any other status. To that end, I am not the owner of record for the property listed as security for the mortgage. It should be noted that I have no relation to the true owner of record I.e not a spouse or relative of any kind. Ocwen Mortgage lists this account as being 11 payments past due, yet lists a delinquency status of 120- 149 days late. I must then ask does Ocwen Loan Servicing require some sort of every other month payment schedule? That is the only plausible explanation as to how an account they claim is 11 months past due can also be only 120-149 days past due. As stated, the account is listed as a traditional mortgage account yet reflects no 30 or 60 day late payments and instead lists the account as being 90 days late ten times. This would be a total of 900 days late which is in direct contradiction once again with information reported by Ocwen Loan Servicing. Essentially Ocwen Loan Servicing is reporting that the account is 11 MONTHLY payments past due, yet only 120-149 days past due. At the same time Ocwen Mortgage is reporting ten 90 days late payments which totals approximately 2.5 years. I am quite confused as to which set of numbers Ocwen would have represent their version of the truth. Is the account 11 months and 120-149 days past due ( 4 to 5 months )? Or is the account past due 900 days and 2.5 years ( 30 months ) past due? I have enclosed a statement from Ocwen Loan Servicing dated XX/XX/XXXX which claims that the account was delinquent 1845 days as of that date. According to Ocwen, the loan actually decreased in delinquency during the past year going from 1845 days delinquent in XX/XX/XXXX to only 900 days past due in XX/XX/XXXX. Yet another completely fabricated element by Ocwen relative the situation.
It should also be noted that I have received
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| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I have been trying to assume this loan since XXXX due to a divorce. I stated at that time, I was the successor in interest of this property due to divorce and I just want to remove the co borrower 's name from the loan.
I want to make this complaint short, simple and to the point. According to Regulation X Section 1024.31 - I am the confirmed successor in interest of this property, due to divorce.
I made this known to Ocwen/PHH since XXXX- yet they have failed to abide by the CFPB rules that will allow me to assume my mortgage.
At this point, I have an order from a family court judge that since PHH did not provide me an assumption of the loan that he will force me to foreclose on my home. He also stated, If i don't foreclose on the home, he will stop my retirement benefits even before I get them. I will not foreclose on my home, and I need PHH to inform this court that they are working on my loan assumption asap, due to the borrower being the successor in interest to the mortgage due to divorce according to the CFPB regulation.
Now what I need you to do is abide by the CFPB regulations. According to the CFPB, '' signing a loan modification can show assumption '' - I have signed the loan modification paperwork. The Caselaw for this is Chicago Assets Co.v. Watrous, 262 III.App.254 ( 1st Dist 1931 ) or Brush v. Wells Fargo Bank N.A . 911 F. Supp 2d 445, 459-462 ( S.D. Tex 2013 ) Also according to the CFPB, the client ( i the borrower ) gets to decide whether or not to assume the mortgage not the loan servicer or mortgage company. PHH has never allowed me to decide on anything. There are several cases of where the borrower due to divorce was in charge of deciding whether or not to assume the loan. The Case in Andrews v Holloway, 140 Ga. App 622,623 ( 1976 ) ( UNDER GEORGIA LAW MORTGAGES ARE FREELY ASSIGNABLE AND ASSUMABLE AND " THE LACK OF CONSENT IS IMMATERIAL '' ) Again, I have a Georgia mortgage and have been denied the right to assume the loan.
These are just a few cases in which the CFPB has stated clearly the rules and regulations- and PHH instead is making it hard for me, by asking me to continue to pay 12 to 24 months and then they will see about me getting an assumption, when the rules clearly state the opposite.
Again, my request is to remove my former husbands name from this mortgage. In XXXX, I was in a XXXX XXXX and tried to assume the loan in which PHH/Ocwen approved and then reneged. However, this was a violation according to the CFPB, because even while in a XXXX XXXX, there is case law that the successor in interest to the property can assume the loan Smith,469 B.R. 198 ( Bankr. S.D. N.Y. 2012 ) So this is my final request to get this assumption paperwork to me immediately, before I am forced to file a legal claim of breach of contract, negligence, and or lack of good faith in settlement. There are several other possible claims that I can and will file if necessary.
Please, I am requesting the paperwork for the assumption of my loan due to divorce. I need a letter in writing stating that it was your error that your company didn't implement these regulations as required by the CFPB. I need this letter to inform a sitting family court judge, that my house nor my retirement pay need to be impacted in what would impact me in a most disastrous way. I would be homeless and will lose the additional retirement income that I so desperately need and entitled to.
I am attaching the order of XXXX XXXX XXXX where this judge is stating what he will do if i don't show proof from your company that I have a loan modification and that you all are in the process of making sure I assume this loan removing the co borrower. This is what I need asap, I also am attaching the CFPB rules/ regulations that your company has failed to implement on my behalf. Please pay attention where it sited the Georgia case of XXXX XXXX XXXX.
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| 02/18/2018 |
Yes |
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Web |
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This is to inform you that XXXX XXXX, XXXX XXXX AS TRUSTEEFOR MORTGAGE PASS THROUGH CERTIFICATES, XXXX XXXX XXXX, Filed a Lawsuit in XX/XX/XXXX against my property which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Claimed that they acquired the mortgage from XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00}, XXXX to be the creditor to whom the debt is owed by those individuals who are obligated under the promissory note and mortgage, and the case number XXXX was voluntary dismissal in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX AS THE TRUSTEE FOR THE HOLDERS XXXX XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS=THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX XXXX XXXX filed another Lawsuit again case number XXXX. The lender listed on the mortgage attached to the complaint is the Originator. The plaintiff alleges that the plaintiff is the owner and holder of the promissory note .The note submitted shows that another party is the owner. The plaintiff failed to produce an assignment that would illustrate that the plaintiff was legally assigned the mortgage and is the true party at interest. On XX/XX/XXXX received notice of assignment, sale, loan number XXXX or transfer of servicing rights. Stated that you are hereby notified that the servicing of your mortgage loan, that is, the right to collect payments from you will be assigned, sold or transferred from XXXX XXXX XXXX XXXX to Ocwen Loan Servicing, LLC, and effective XX/XX/XXXX On XX/XX/XXXX received Delinquency notice from Ocwen loan Servicing stated that you are late on your mortgage payment as XX/XX/XXXX, you are 1912 days on your mortgage loan. Your account first became delinquent on XXXX XXXX. Failure to bring your loan current may result in fees and foreclosure-the loss of your home. On XX/XX/XXXX my attorney XXXX XXXX sent a letter to Ocwen loan servicing to provide verification of the debt owed. Ocwen loan servicing never respond to that letter instead Ocwen denied receiving the letter. On XX/XX/XXXX Ocwen fraudulent foreclosed my properly. On XX/XX/XXXX received an apology letter from Ocwen stated on XX/XX/XXXX Ocwen incorrectly foreclosed my property. They sincerely apologize for any inconvenience this may cause. On XX/XX/XXXX received a delinquent status of the loan from Ocwen stated that the foreclosure proceedings were initiated on the property on XX/XX/XXXX. On XX/XX/XXXX, the foreclosure proceedings were completed and the property was conveyed to Real Estate owned ( REO ). Please be advised that on XX/XX/XXXX the holder of the XXXX XXXX XXXX XXXX, filed an emergency motion to cancel and reset the foreclosure sale and was granted by the Judge. On XX/XX/XXXX Ocwen loan servicing stated that Ocwen is the owner or loan servicer and Ocwen has authorized the withdrawal of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as its counsel for every case attached exhibit, and has retained XXXX XXXX XXXX. Ocwen also stated that the investor/owner Name : XXXX XXXX XXXX, XXXX XXXX, as the Trustee for mortgage pass-through certificates, XXXX XXXX XXXX loan # XXXX, INCLUDING AN INVESTOR Loan # XXXX. On XX/XX/XXXX received a Loan modification From Ocwen loan servicing in the amount of {$220000.00}, plus a balloon payment in the amount of {$150.00}, XXXX, Ocwen stated that they received an escrow payment on XX/XX/XXXX in the amount of {$5.00}, XXXX, which not true ... Furthermore Ocwen loan servicing fraudulent created multiple fake payments history including escrow accounts. The evidence will show that Ocwen loan servicing does not own the mortgage or note, the evidence will show that XXXX XXXX does not own the mortgage or note, neither XXXX XXXX, the evidence will show that Ocwen loan servicing does not respect the Law, the evidence will show that Ocwen continue to lie over and over again, and get away with it. Please see all attachments below for details. Thank you.
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| 08/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My mortgage company filed foreclosure on me in XXXX, XXXX. We entered a court ordered settlement hearing XXXX, XXXX. They did not have any docs on their end. I appeared at the hearing without an attorney. They knew I did NOT have one at that time. A continuance was filed.
XX/XX/XXXX, I received a package from the mortgage company saying I qualified for a modification. I returned their expedited affidavit and made the XX/XX/XXXX and XX/XX/XXXX payments. The court ordered settlement hearing that was moved to XX/XX/XXXX was again continued, due to our working things out. I showed up in court alone again, with NO ATTORNEY. I made the XX/XX/XXXX payment thereafter. I have also made a payment of the same amount in XX/XX/XXXX and XX/XX/XXXX as well. That is 5 total payments.
By XXXX, I had not received any correspondence from the mortgage company so I went to the website. I discovered they had deactivated my account! I had to reactivate it using a new username. Once I did this, I was able to see that they had changed the statement mailing address to the Legal Clinic I had used three years ago. I promptly changed their address off my account, and replaced it with my own. I also wrote the mortgage co. a letter explaining I no longer use them and they had no right to put them on my account or send documents to them. I told them on the phone when I spoke to their agent in XXXX XXXX that I was NOT using an attorney. The mortgage co. has written letters telling them from the attorney telling them the same, as of XX/XX/XXXX, the Legal Clinic no longer represents me. They have also been called in XX/XX/XXXX by the attorney who told them he no longer represents me. I also told them as we met in the court in XXXX XXXX the I have no attorney, yet they insist on adding them on their own whim. They also have multiple legal docs. from me showing my legal name change from marriage since XXXX, XXXX, and they still refuse to acknowledge that as well, so this is their habit, to choose which documents they use.
In XX/XX/XXXX, I still did not get any correspondence back from them. I logged back into the online system to see they put the Legal Clinic, plus added the lawyer 's name this time, back on my account. I took them back off again, and put me back on. I also sent them an email telling them they are doing this in error, and to look at the signed receipt mail I sent to them in XX/XX/XXXX. As of today, I still have no mail from them.
At this point in XX/XX/XXXX, I called the Legal Clinic I had used in the past, to see if they actually received anything on my behalf. At that time, they had NOT. So, all this time I made payments for 4 months, and get nothing, and neither did the Legal Clinic, who I was not even using. They would have let me know if anything weird like that happened, since I was a previous client.
I am providing statements from XX/XX/XXXX through XXXX, XXXX so you can see the mortgage co. had been sending me statements. I was offered a loan mod in XXXX, XXXX, which is the last month a statement was mailed to me ( the correct address ). XX/XX/XXXX through XX/XX/XXXX have all gone to the Legal Clinic, and they added an attorney name in XX/XX/XXXX as an authorized person on my loan ( he is NOT ). You may also notice inconsistent dates as well. I include the attorney release letter from XX/XX/XXXX, my letter and postal signed receipt from XXXX, XXXX, and court appearance records showing I showed up alone with NO ATTORNEY.
This mortgage co sent my personal business to people who are not involved and totally ignored me, the person who they need to do business with. They totally ignored all previous communications I have had with them regarding my legal name and property valuation. I made the XX/XX/XXXX payment towards escrow, since that was the only way I was allowed to make any form of payment to them for the trial period amount.
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| 06/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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The complaint is on Ocwen Financial Corporation, a mortgage servicer, and its contractor for foreclosure-related services, the law firm XXXX XXXX XXXX XXXX XXXX XXXX. Ocwen assumed Litton Loan Servicing 's interests in XXXX. I filed complaint against Litton shortly before that time on what are virtually the same grounds on which this is based. In the first few months of operation, Ocwen did NOT have us speak with qualified customer service representatives who where familiar with the accounting process there. Instead our calls were routed to a rent-a-center in XXXX with operators having no real knowledge of procedure and no direct access to our records. The XXXX personnel were difficult to understand at times due to a XXXX accent or use of terms not in our own vernacular. After Ocwen was made to dispense with those representatives, several months passed before we received ANY communication from them, via mail or phone. Also Ocwen has repeatedly mishandled or discarded documents sent to them with the claim that they were not received or sent in on time ; and anything having to do with application for the HARP / HAMP loans was ignored or given undue opposition. There were several instances in which I should have qualified but was turned down flat if not previously stymied by " missing '' documents. I was allowed to seek a reverse mortgage as a remedy to the default on XXXX to XXXX occasions ; but though approved on each occasion things fell through at the last stage due to " discovery '' that the reverse mortgagee and the current mortgage company were interlinked by XXXX XXXX. ( A side note - High fees were paid for the application each time ; and XXXX of the banks was XXXX XXXX. ) I believe that Ocwen had knowledge of the XXXX XXXX affiliation in each case though such would not be known to the general public. XXXX recently placed our house up for auction through judicial foreclosure without ANY prior notification of that fact coming from them or Ocwen. I believe it was by accident or careful engineering that word was received through my XXXX Program attorney via e-mail just 26 days before the sale date. XXXX told him that they were unaware of my representation when the same attorney has been had for the 6 years before the attempted sale and proof is had of the previous law firm 's XXXX XXXX 's ) knowledge of my present attorney through saved correspondence with them. ( A side note - I received {$1500.00} in settlement from a class action suit for XXXX 's negligence in handling my documents. ) XXXX also claimed that they were new to the case as an excuse, but proof is had through court records and personal correspondence written that they were on my account for at least 1 year before the exchange had with them at the end of this XXXX. XXXX also claims that it knew the property to be unoccupied and filed a cert with the court to that " fact '' to expedite the sale. A family member has always been at home before ( since the house was built in XXXX ) and since the default and there is usually a car in the driveway. XXXX 's offices are located in XXXX, MD as we are, and are just XXXX miles away. A document Ocwen drafted in XXXX XXXX states that our property is occupied ; while the cert they filed with the court 2 months and 10 days later says it is NOT. Also, my previous personal attorney of record for my bankruptcy involving foreclosure on this same property joined XXXX to go against me. XXXX 's counsel have been extremely negligent either by accident or on purpose. They entered errant dates into the official court record - including what sites the posting of the notice of foreclosure on the house 's front door as being about a month and a half after it occurred. The Order of the Court sent after the mediation hearing grants foreclosure but does not clearly show the judge 's name and misquotes the plaintiff 's name / identity.
|
| 09/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My servicer is OCWEN. My home is scheduled for foreclosure on Tuesday, XX/XX/XXXX.i have been very ill and have just been able to tend to this matter. I have never been contacted by OCWEN personnel for loss mitigation.
I have serious problems with OCWEN 's Periodic billing statements as the numbers are wrong and confusing. I never received credit for property tax payments or several monthly payments I paid.
I. did not receive billing statements for over two years. When OCWEN restarted billing statements the Escrow Account was in error numerically and OCWEN failed to pay my property taxes in a timely fashion so that a XXXX tax lien was put on the property which has hurt my credit. Numerically the escrow account was in error, could not be accounted for based on monies paid out vs monies charged to me that can be determined by all the statements. Also the escrow account was used for other purposes than property taxes and insurance such as fees paid not related to prop taxes,. I fought the local Tax Authority successfully to lower my prop taxes. OCWEN billed me for much higher escrow contributions at XXXX the amount that was owed even though they received the revised tax notices. I was never credited for property tax monies of {$10000.00} that I paid. OCWEN caused another XXXX tax lien this year for not paying taxes. This caused extra fees and costs and hurt my credit again.
OCWEN gave me force placed insurance even though I had a policy which was XXXX cheaper.
The billing statement category of Fees/Other Charges is where monthly excessive fees and costs are added, and the billing statement shows current fees that are not explained on any statement. Also OCWEN has a mysterious category of Past Due Fees/Other where the totals vary significantly and randomly depending on the month from {$5700.00} to {$3700.00} never with any explanation, and impossible to calculate from the billings. OCWEN has sent billings with reinstatement amounts that make no sense. The Note is interest only but OCWEN 's reinstatement figures vary per month between {$430000.00} one month and {$560000.00} the next month. Any monthly reinstatement figure varies between documents sent so there is no way to determine the reinstatement amount.
Further, as an interest only note reinstatemt should roughly be taxes and interest. But OCWEN gives reinstatement figures that have amounts that vary wildly so the reinstatement figure for any given month over and above interest and escrow varies between {$160000.00} to {$300000.00} above the I & E figure. No explanation has been offered why OCWEN adds in such huge sums of doubtful origin to an interest only loan, because the monthly reinstatement figures are not deducted from principal and should not be according to the note and deed.
OCWEN has never stated when I became delinquent even after over 2 years without any billing. OCWEN has never offered an explanation for any of these errors. I just received another late notice on prop taxes that OCWEN did not pay, OCWEN has failed to provide accurate interest totals and escrow amounts to the IRS at the end of the year with numbers varying significantly from OCWEN docs to IRS forms.
OCWEN 's foreclosure procedures are wrong. Their lawyers sent a FDCPA letter a year ago in XX/XX/XXXX, and sent foreclosure letters in late XXXX. These letters are inconsistent in who the law firm represents and fails to disclose representation of the trust who claims to own the note. The trust seems to have changed but I received no notice of transfer, and clearly the note and deed are split. The initial assignment was from a company which did not exist legally to XXXX so the assignments are void so OCWEN and the trust lack standing and this foreclosure is improper. Since the amounts owed vary so much in the letters I believe they are intentionally deceptive to keep me from saving my XXXX
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| 11/30/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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To Whom It May Concern, My loan was originally modified back in XXXX through GMAC. Eventually, the loan was then sold to Ocwen to service where it 's been ever since.
On XXXX XXXX, XXXX, I received a notice from Ocwen my payment was going to adjust effective XXXX/XXXX/XXXX up 5.325 % and my new payment would be {$4300.00} ( Principal and Interest payment? ) Along with this letter Ocwen provided an outline of the schedule for future payments, again clearly stating my monthly payment moving forward would be {$4300.00}. I was n't sure if this was due to a modification request I submitted in XXXX or what. It was at that point I begin calling Ocwen to find out what my new payment was going to be. Ocwen could n't answer the question. They said it must have been some sort of mistake on their part. Sure enough when the adjustment period arrived for the XXXX XXXX I received a bill with the {$6600.00} amount.
I started applying for a modification back in XXXX and was denied. I again started the modification process in the XXXX mos. of XXXX. Over the months, I received notices stating my package was incomplete or to complete a whole new package. This dept. continued to lose what I had sent in and I believe at one point I had two loan modifications going on at the same time. It was during this time I began receiving statements ( without warning ) showing my new monthly mortgage payment was now {$4300.00}, our new rate was 3.50 % until XXXX XXXX. I called in to Ocwen to make a payment and sure enough on the recording it stated my monthly payment is {$4300.00}. Still not totally convinced I called again and got a live customer service representative on the phone and asked them what my monthly payment was, the Ocwen Representative said it was {$4300.00} and my rate was 3.50 % until XXXX XXXX, XXXX. So, I began to get caught up on my payments and continued to make the payments requested I received the statement for XXXX XXXX payment. The statement details of my loan completely changed ( again without warning ) from the previous mos.
The statement for the XXXX/XXXX/XXXX payment read my rate was now 5.325 % until XXXX XXXX, XXXX and my monthly payment were {$6600.00}. XXXX. Plus, a monthly payment for an escrow account which showed an additional {$1000.00} a month for a total monthly payment of {$7600.00}. This statement also indicated I owed {$15000.00} retroactively for all the previous mos. I was paying {$4300.00} a mo. The {$4300.00} they received from me on XXXX/XXXX/XXXX they held as unapplied. I called them to ask what was going on, they said, " oops, we made a mistake ''. For the past several weeks I 've been researching who to bring my case to. Ocwen has been making huge mistakes with, mistakes that will have major consequences for my future. I began suffering from XXXX back in XXXX and in XXXX underwent a XXXX. I 'm on permanent XXXX. My wife and I have put every bit of our savings into keeping the only asset we have left for our retirement. This past month I received a letter from Ocwen a " Notice of Default '' was going into effect on XXXX XXXX, XXXX if I did n't make my outstanding payment. It was their error and all they can say is " oh sorry we made a mistake ''?
I received a statement on XXXX/XXXX/XXXX stating I now owed them {$26000.00} of which {$4300.00} I paid for the previous mo. was being held as " unapplied funds '', plus {$1000.00} for the escrow account I never had, plus, they hit me with a Property Inspection fee of {$13.00} and a late charge of {$390.00}. I made a {$4300.00} payment in XXXX XXXX, then contacted Ocwen on XXXX/XXXX/XXXX. I spoke to Agent # XXXX ( XXXX ). XXXX assured a " Notice of Default '' would not be issued on the XXXX date. He also set up an appointment for me to speak to a " Relationship Manager '' by the name of " XXXX '' on XXXX/XXXX/XXXX.
See documents provided with this complaint.
|
| 09/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Ocwen has shown a pattern of and established, verified, and confirmed that not only has Ocwen had no intention of trying to keep me and my children in our home, but in fact Ocwen has acted in a way that was deceptive, unethical, and unlawful while seeking to force me into foreclosure while causing severe anxiety and emotional distress to myself and my children.
Ocwen has at every opportunity tried to use a government program meant to help those whom have fallen on hard times as another tool for increasing their bottom line. Ocwen has at every turn sought to abuse, mistreat and take advantage of me through the company 's unscrupulous, immoral, corrupt, dishonest, deceptive, malicious, cruel, unethical, unlawful, and irresponsible business practices.
Ocwen 's misconduct resulted in multiple violations of my rights and protections as a homeowner through use of their false, unfair, deceptive, and abusive acts and practices. Ocwen has provided false and misleading information to me regarding the loan, options for modification, and foreclosure. Ocwen has failed to provide accurate and timely information as I was seeking information about loss mitigation, including both loan modification and other options. Ocwen has provided false and misleading information to me about the status of the loss mitigation review, including when my loan was referred for foreclosure. Ocwen has provided false and misleading information to me about the status of the foreclosure proceedings when I was in good-faith actively pursuing a loss mitigation alternative. Ocwen failed to properly calculate my eligibility for loan modification programs and improperly denied my loan modification on multiple occasions. Ocwen failed to properly process my application for loan modifications, including failing to account for documents submitted to them and failing to respond to my request for information and assistance, and as a result, denied my loan modification. Ocwen provided false reasons for the denial of my loan modification. Ocwen has sent me at least XXXX back dated document and continued to list my home for foreclosure even after having received my completed applications on multiple occasions.
Ocwen provided false and misleading information about my loan and did not, even upon request multiple times, send me the account ledger which I requested until I refused to move forward due to lack of full disclosure on Ocwen 's part. Ocwen provided false and misleading information about my options for modification. I was told by Ocwen employee 's that XXXX does not do any form of principle reduction. I was told to resubmit an application after addressing that Ocwen wanted me to finance more than the home was worth, and upon completion of the second application they reassessed the home at a higher value. Ocwen provided false and misleading information about my impending foreclosure. On multiple occasions when I called and asked about the status of the foreclosure I was assured that no date had been set and that a decision had not yet been made about my application ; however, Ocwen had in fact set a date for foreclosure, listed the property for foreclosure, and listed it in the newspaper all prior to ever making a decision about my application.
During the application process for my loan modification I was told by XXXX Ocwen employee that I simply " could n't afford my home '' so that Ocwen would not reduce the loan to an affordable amount because they could make more money selling it. I was also told by XXXX Ocwen employee when I stated that the payments were not reasonable, nor affordable for me that I could apply for assistance later if the payments became unaffordable. I was told by a different Ocwen employee that I " should get a raise '' and be able to afford my payments by the time child support ended in less than three years.
Ocwen never notifies me.
|
| 06/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Loan Number:
Ocwen Loan Servicing, LLC
THIS IS A COPY OF THE XXXX LETTER I HAVE SENT OCWEN TRYING TO RESOLVE OUR SITUATION. THE XXXX LETTER WAS SENT ON XX/XX/XXXX WITH COPIES OF OUR CHAPTER XXXX COMPLETION AND DISCHARGE LETTER AND ALSO A COPY OF PAYMENTS MADE THROUGH OUR CHAPTER XXXX WHICH SHOWED THE PRINCIPAL PAID TOWARD OUR MORTGAGE. MY WIFE AND I HAVE NOT RECEIVED ANY TYPE OF RESPONSE TO OUR DISPUTES. ONLY A LETTER STATING WE ARE IN DEFAULT ON OUR MORTGAGE DUE NOT MAKE OUR XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. THIS IS NOT POSSIBLE BECAUSE THE BANKRUPTCY WAS JUST LIFTED FROM OCWEN ABOUT 2 WEEKS AGO OR AT LEAST WHEN I CONTACTED OCWEN 2 WEEKS AGO THEY ACTUALLY SAID THAT THE ACCOUNT WAS STILL SHOWING IT WAS STILL IN CHAPTER XXXX. AT THAT POINT I WAS TOLD THAT WE DO NOT HAVE ANY HOUSE PAYMENTS DUE AND WE WOULD NOT HAVE XXXX DUE UNTIL WE RECEIVED A STATEMENT IN THE MAIL. WHEN I HUNG THE PHONE UP, I HAD A SENSE OF CALM THINKING THAT MY WIFE AND I HAVE COMPLETED OUR CHAPTER XXXX AFTER 5 YEARS OF PAYMENTS AND THE ONLY THING WE HAVE LEFT TO PAY FOR IS OUR MORTGAGE. AFTER BEING ASSURED BY OCWEN THAT WE DID NOT OWE ANY HOUSE PAYMENTS ON XX/XX/2015 BECAUSE THE BANKRUPTCY HAD NOT BEEN LIFTED, WE RECEIVED BY CERTIFIED MAIL A LETTER FROM OCWEN STATING THAT WE ARE IN DEFAULT AND OWE XXXX TO BECOME CURRENT!!! THIS IS NOT THE ONLY MISTAKE THAT IS IRRITATING. AS I MENTIONED ABOVE, OUR BANKRUPTCY PAYMENT RECORDS INDICATE THAT WE PAID OVER $XXXX TOWARD THE PRINCIPLE OF OUR HOUSE WHICH WOULD LEAVE US A PAYOFF OF ABOUT $XXXX,XXXX. OCWEN DID NOT APPLY OUR PAYMENTS TO PRINCIPLE AND THEY HAVE OUR CURRENT PAYOFF AT AROUND XXXX. A COPY OF XXXX LETTER BELOW.
Ocwen Research Department,
My wife and I received a letter in the mail today stating that we are delinquent by XXXX days on our mortgage payment. I find this to be impossible and I am disputing the amount that is currently due because we were just discharged from chapter XXXX bankruptcy last month. I have made XXXX attempts to call ocwen in the past month to check into our loan status to see when our XXXX payment was going to be due. The XXXX attempt I made was on XX/XX/2015 at XXXX central time and spoke with an ocwen representative for XXXX according to my phone records. At this time, the ocwen representative stated that our account was pending due to chapter XXXX bankruptcy and he could not release any information about the account until it was released by the court. I advised the ocwen representative at that time that I wanted to make sure that we were not going to get blind sided by a letter like we just received stating that we were behind on our mortgage payment. I was assured that no payment was currently due for the month of XX/XX/XXXX because it had not been released by the court. This conversation took place XXXX days ago. So, this should make our XXXX mortgage payment due in XX/XX/XXXX. Please kindly fix this error and correct any late fees and any other charges that has been applied to our account. We have no problem making our payment at this point in our lives and would appreciate your attention to this matter. Our XXXX payment after bankruptcy should be in XX/XX/XXXX. You may reach me anytime on my cell.
On another note, I faxed in a letter about the principal amount on our house differing between what ocwen has and what our chapter XXXX bankruptcy has. We have never received any type of answer from that particular situation that I addressed with ocwen almost a month ago. Our chapter XXXX bankruptcy had us paying our entire bankruptcy payment straight to principle which would leave us with a loan balance somewhere around $XXXX. Ocwen did not apply our entire house payment to principle. They have our loan balance around $XXXX I faxed in the paperwork from the bankruptcy stating what was payed to principle. We would appreciate your attention to this matter also.
|
| 09/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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In XXXX 2016 I wrote a letter to the judge asking for an extension on the foreclosure slated for XXXX XXXX because we had another offer on the property. The Judge granted the extension, reset the foreclosure sale date to XXXX XXXX, 2016 in hopes of giving Ocwen plenty of time to review and approve the XXXX short sale since they had the paperwork in hand before requesting the extension. After the extension was granted, Ocwen promised to have an approved XXXX short sale. Shortly afterwards, Ocwen came back to me and the realtor and asked us to go to the buyer and ask for roughly XXXX more dollars to improve their net, ensure the XXXX short sale, covering maximum relocation and maximizing the payout for the XXXX lien holder, XXXX XXXX, the buyer agreed, paperwork was submitted. After receiving the XXXX additional dollars, Ocwen sent the Arms Agreement, telling both the realtor and myself, Ocwen will be sending an acceptance letter. Shortly after being told this, we received a letter from Ocwen stating the XXXX short sale was denied because XXXX shortsales can not be approved within 60 days of the foreclosure sale date instead Ocwen would like to do an internal short sale. During this time I was receiving robo calls about my XXXX XXXX sale date and outstanding debts with Ocwen. I started questioning the XXXX short sale vs internal Short sale and could not get any clear answers other than within 60 days. At this point Ocwen said they would extend the foreclosure sale date 60 days beyond XXXX XXXX so they would have plenty of time to complete the sale and come to a closing date. I asked my realtor to check the court dockets to see if the sale date had been changed, nothing was happening. I questioned Ocwen on the new date, I started getting, we are waiting on the lawyer to sign the paperwork, the system will be updated in a few dates to reflect, this went on for a few weeks. It was at that point we started getting phone calls from Ocwen requesting us to resubmit documentation and XXXX of the task we were given was to call my XXXX lien holder and negotiate a settlement. I called XXXX XXXX and was told it was Ocwen 's job to get the paperwork to the bank so XXXX XXXX could figure out a settlement plan. The XXXX XXXX contact asked my realtor to send over all paperwork submitted to Ocwen so he could give Ocwen a call and question why they did not submit the paperwork. At this point its coming down to the XXXX hour before foreclosure. I was also told the file had been escalated because of data that was put in the Ocwen system but was n't handled properly such as the submission of the foreclosure extension ( this would have allowed the XXXX shortsale ). I received a voice message from an escalation manager telling me his name and phone number. I repeatedly called and called, no response. On Friday XXXX XXXX, I received XXXX calls from Ocwen stating that it was my responsibility to call their foreclosure attorney to get an update on how the cancellation of the foreclosure was progressing. I called the attorney and was told by the paralegal that she did not have any paperwork requesting an extension of the foreclosure. I asked her, who was lying you or Ocwen? I have been told by Ocwen it is my responsibility to submit to the court a request to stop the foreclosure. I am at a loss on why Ocwen is deliberately trying to send my home into foreclosure when there is a buyer at the table. I am at a loss that no one at Ocwen is actively trying to stop this or trying to take any responsibility. Question? Is this a customary practice to send a home into foreclosure and deny a XXXX short sale when there is a buyer at the table and have been at the table since XXXX 2016? If my file is reviewed it will show that Ocwen has done this again and again. This will be my XXXX submission to the court to cancel the foreclosure after submitting offers.
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| 07/28/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Currently, borrower has no loan status, due date or location for payments despite repeated requests. Full discussion of complaint points contained in the attachments to complaint along with support documents.
In part, this complaint will cover : Servicer requiring the borrower be in default to discuss foreclosure alternatives despite being named in multi-state litigation, brought, in part to halt this practice ( XXXX Reasonably Foreseeable or Imminent Default ). Failure of servicer to discuss all loss mitigation options with borrower ; failure to communicate with XXXX-certified housing counseling agency, or, borrower 's attorney, Dual Tracking.
Borrower was not allowed to review the terms of a XXXX or Forbearance Plan Notice ( FPN ), before agreeing, sight unseen, to terms and making the first payment over the phone. Servicer refused to allow borrower to receive terms via email or seek legal advice. Borrower was told decision must be made " now '' or " lose '' the plan, forcing borrower to rely solely on servicer 's oral representations. There was no obvious choice presented to the borrower, given the choice of accepting an XXXX UP sight unseen OR entering foreclosure and risking loss of a primary residence with meaningful equity. Borrower was unable to reasonably avoid injury due to servicer 's actions. These actions hindered the borrower 's decision making in part, by not allowing the borrower access to information needed to assess available alternatives. ( XXXX XXXX, UDAAP ; XXXX guidelines XXXX ; Section XXXX FTC XXXX : Deceptive Acts or Practices ) Servicer failed to honor total amount due estimate in issued XXXX UP Forbearance Plan Notice ( FPN ) at end of forbearance plan term requesting an amount that was a 44 % increase over the estimate contrary to XXXX servicing guidelines section XXXX. No explanation for the increase was given despite repeated requests. After months of requests regarding reinstatement Servicer claimed the amount given on FPN was NOT the accrued but unpaid balance as required, undisclosed amounts were now due. XXXX servicing XXXX : Forbearance Plan Notice requires the FPN [ must include ] " Estimate of the ACCRUED BUT UNPAID BALANCE that will be due at the end of the UP forbearance period if the borrower makes required forbearance plan payments on a timely basis '' ( emphasis added ). Adding amounts after the fact violates the letter of and spirit of XXXX, FTC XXXX Sec. XXXX, HAMP XXXX and assertions by Ocwen 's representatives.
Failing to get accurate accounting from servicer, borrower applied for XXXX XXXX XXXX. Servicer failed to calculate XXXX XXXX step properly, follow and document waterfall steps resulting in an improperly denied XXXX XXXX modification in XXXX. Ocwen continued to affirm its incorrect calculation, refusing to re-evaluate or consider actual numbers from borrower and a XXXX XXXX ( XXXX servicing guidelines ).
After months of litigation over the FPN, XXXX XXXX, XXXX, borrower 's legal counsel received an offer of XXXX Streamline ( TPP ) from servicer 's counsel who refused to draw up documents unless borrower agreed to the modification WITHOUT SEEING THE FULL TERMS. This establishes a pattern with servicer 's process, force the borrower to accept obligations without seeing the terms, a clear violation of the spirit of XXXX, XXXX, XXXX XXXX, FTC regulations.
Borrower completed the TPP, Ocwen 's counsel sent a one-line statement denying the permanent modification. Borrower received no written notification of denial ; followed one month later by an approval. Modification documents promised from servicer never arrived. Documents provided by counsel were faulty carrying both a fixed and variable term, counsel refused to reissue, correct or allow time for correction of conflicting terms, insisting borrower sign documents that clearly violate XXXX XXXX, FTC and XXXX.
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| 07/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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The servicer is OCWEN who has scheduled another foreclosure on my property on XXXX XXXX, XXXX, which I would like cancelled. This case is connected to XXXX others, all interrelated including a natural or man-made disaster case, # XXXX, and a consumer law violations case, # XXXX. This complaint is about OCWEN 's violating the requirements in the Consent Order concerning application of the NMS to OCWEN by the NY State Dept or XXXX Services and the CFPB ( hereinafter referred to as the " NMS Consent Order '' ).
The issues here are continuing ones about OCWEN 's attempting to foreclose on my property on XXXX XXXX, XXXX despite an outstanding offer to buy the property, a request for a moratorium of 90 days to address natural and man-made disasters that have hit the house, despite the fact that the house is underwater, despite the fact that XXXX other complaints have been filed ; XXXX concerning the natural and man-made disasters, and the XXXX about the plethora of consumer law and NMS Consent Order violations that OCWEN has committed that prohibit any foreclosure, and need to be addressed.
This complaint focuses on violations OCWEN has committed of specific NMS Consent Order requirements that go to the heart of the Consent Order on issues like -- robosigning and fraudulent assignments, broken chain of title, dual-tracking, the effect of unendorsed Notes in securitization and lack of standing to foreclose.
A final issue involves voiding the transaction because of unlicensed brokers and lenders making home or mortgage loans without a lending license, or a corporation not being registered in the state where they conduct significant business. I have provided documentation proving assertions that the mortgage bank involved here, XXXX, was not licensed and not a registered corporation based on a proper examination of the documentation in the case ; so the loan is void. This and the other issues are fundamental to the NMS Consent Order in terms of making sure any action taken is based on proper and legal documentation. However, despite calling their attention to these issues, OCWEN has made the decision to ignore the facts in violation of the NMS Consent Order.
ROBOSIGNING. Robosigning is fraud whereby people sign other 's names, claim official bank titles which they do not have, notarize falsely, or otherwise fill out and sign important real estate documents without any authority whatsoever. Robosigning companies were set up to service the banks and trusts to make up documentation the banks and trusts could use to complete their files so they could foreclose on borrowers with impunity.
Companies like XXXX and XXXX had robosigning mills until the publicity shut them down. Now the big banks and servicers have specialized units under other corporate names to do the same thing as a matter of convenience if they are missing paperwork because loans were made so fast between XXXX to XXXX that documents were often missing. Some of these quieter robosigning operations work in Florida, South Carolina, Mississippi, California and Iowa.
Fraudulent or forged real estate documents like deeds, assignments, allonges, and affidavits for foreclosure are documents that when discovered are marked VOID. The chain of title is also broken. Real estate titles can not pass by virtue of fraudulent documents. If a document is determined to be fraudulent it has to be replaced legally if it can or else no title can pass with the fraud and the alleged owners claiming title to the property do not have authority to foreclose, nor standing to bring actions to claim and take the property because they have no ownership due to the fraudulent documents.
XXXX robosigner on a document makes it fraudulent and void. I have XXXX robosigners on XXXX different assignments related to my property. Exhibit XXXX contains the first page of the security deed for refer
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| 03/20/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Older American |
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XXXX which is doing business as PHH Mortgage Services, Located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX provided me with a notice of pending foreclosure action set for XX/XX/XXXX. See Exhibits 1 & 2 Attached.
PHH Mortgage assigned XXXX XXXX XXXX to act on their behalf to conduct the non-judicial foreclosure sale.
In good faith, I am on the mortgage and I have been working since XX/XX/XXXX with all parties to request an alternative to foreclosure via a short sale or loan modification. All requests have been denied. I believe my request should be reasonable, because I have resolved my income issues, where I am XXXX and I have the ability to pay. Despite this fact, PHH Mortgage has told me that they do have a program in which I fit under their guideline for a loan modification even if I can pay more than double the monthly payment amount.
My loan is not owned by neither XXXX XXXX nor by XXXX XXXX.
My loan is not a Government Guaranteed loan under FHA nor VA.
My loan was made as a conventional loan back in XXXX.
I am XXXX ( XXXX ) years old and my wife is XXXX. XXXX/ PHH is not offering us any abatement due to the declared National Emergency Act, established by President Donald J. Trump .
Therefore, even though FHA and HUD 's made public policy statements on XX/XX/XXXX announcements for Foreclosure Abatement, my Servicer have made no plans to honor the National Emergency due to the Coronavirus for any additional time.
At issue is that I have submitted a Short Sale Package through XXXX XXXX XXXX, where bona fide realtors, XXXX XXXX and XXXX XXXX have found a buyer and have listed the home for a short sale as an alternative to foreclosure.
PHH and their law firm XXXX XXXX has told me on two occasions that they have no plans to remove the property from XX/XX/XXXX non-judical auction. Particularly, PHH is not allowing for more time to be granted, so that, the pending Short Sale offer can be fully reviewed and granted. See Short Sale Exhibits.
We believe that XXXX/PHH Mortgage Services is not acting in good faith in providing us with an alternative to foreclosure.
The points that are most troublesome are the following facts : 1. On XX/XX/XXXX, XX/XX/XXXX " Consumer Financial Protection Bureau Director XXXX XXXX XXXX made the following statement today after the U.S. Department of Housing and Urban Development and the Federal Housing Finance Agency announced a moratorium on foreclosures and evictions : " The actions taken today by HUD and FHFA are timely and an important step in providing assurance to consumers. I commend my colleagues at HUD and FHFA for being proactive on this issue and providing Americans with much needed peace of mind during this uncertain time.
" Earlier this month, the Bureau, along with our Federal and State partners, encouraged financial institutions to work with their customers affected by the coronavirus. Consumers first stop in the face of hardship is with their creditors and their financial institutions, so our message was important for regulated entities to hear ... ..For consumers, the Bureau continues our work to protect them in the financial marketplace. We have released resources for consumers to understand issues that may arise as a result of COVID-19, including information on how to protect their finances and how to submit complaints. Our team is ready to help consumers resolve issues with their financial services providers who submit a complaint through our consumer complaint system. '' It appears that XXXX XXXX/PHH Mortgage Services are deliberately ignoring our call to abate the pending foreclosure sale that affects us at the worst possible time.
2. We are senior and XXXX citizens. XXXX XXXX/PHH Mortgage Services are trying to force us into bankruptcy as our only alternative to stay the sale. The bankruptcy would be disastrous to our livelihood, among other things.
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| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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This is a continuation of a previous complaint. OCWEN Loan Servicing and XXXX XXXX both contacted me and informed me that the error was being resolved and the correction was being made to my credit report. My credit report was suppose to reflect no delinquent payments were ever made on my account but this still has n't been cleared up. Additionally, I was promised a letter stating that this matter was resolved and the exact actions taken to resolve it but have n't received it yet either. Personally, I do n't trust the word of OCWEN Loan Servicing or XXXX XXXX because both have proven to me that I 'm just another number to them so I must protect myself. I 'm tired of making phone calls just to have people provide empty promises or be rude/condescending to me. I 'm a combat hardened Veteran and these so call tough guys are nothing less than thieves who push the common man around. It did n't take them this long to screw my credit up and I 'll be dang if I 'm going to constantly call them to fix it after they 've supposedly resolved the issue.
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Ocwens Case Number : XXXX Customer : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX SC XXXX CFPB Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for contacting the Office of the Consumer Ombudsman. This letter is in response to the recent communication from the Consumer Financial Protection Bureau ( CFPB ) on your behalf. We value your business and welcome the opportunity to review the concerns raised. I have been assigned to thoroughly review your concerns and my findings are outlined below. This letter is in response to your payment and credit reporting concerns. In response to your concerns and the documentation you provided, we contacted XXXX XXXX regarding the payment you made to them on XX/XX/XXXX. XXXX XXXX XXXX XXXX with XXXX XXXX has advised the payment was held by XXXX XXXX because additional information was needed from you to release the payment to Ocwen. Per their records, they received an email from you on XX/XX/XXXX, which included the necessary information and in response this payment and the XX/XX/XXXX, payment were provided to Ocwen. As outlined in my previous response, we are obligated to report the account accurately to the credit bureaus, based on the contractual due date. A the XX/XX/XXXX, payment was not received until XX/XX/XXXX, the credit reporting reflecting the XX/XX/XXXX, monthly contractual payment as past due, is accurate. Thank you for bringing your credit reporting, concerns to our attention. We have researched your concerns and determined no error has been made in relation to the posting of the XX/XX/XXXX payment on XX/XX/XXXX, or the negative credit reporting that occurred as a result of the late payment.. If you believe there is additional documentation relevant to this issue, which was not provided, you may request such documents by contacting me at the address below, directly at ( XXXX ) XXXX, or at the Ombudsman Office via fax ( XXXX ) XXXXXXXX. XXXX XXXX Office of the Consumer Ombudsman XXXX XXXX XXXX XXXX FL XXXX Thank you for allowing us to assist. Ocwens mission is to help homeowners and we hope this response addressed the concerns regarding the account. If you have further questions regarding this response, you may contact me directly at ( XXXX ) XXXX, or our Ombudsman team at ( XXXX ) XXXX, Monday through Friday from XXXX XXXX to XXXX XXXX ET. You may also contact Ocwens Customer Care Center at ( XXXX ) XXXX for additional information regarding the account. We are available Monday through Friday XXXX XXXX to XXXX XXXX, Saturday XXXX XXXX to XXXX XXXX and Sunday XXXX XXXX to XXXX XXXX ET. You may also find helpful information on our website : www.ocwen.com. Sincerely, XXXX XXXX XXXX Consumer Account Analyst Office of the Consumer Ombudsman
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| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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XXXX I hired an attorney to assist me with processing loan modification paperwork. I paid him {$5000.00}. He said that the lender will give me modification terms with an interest rate of 2 % on a 40 fixed loan term and 25-30 % will go toward the principle.
XXXX- Ocwen Mortgage called me to take my modification application. They only requested income information for myself an not my ex husband, who is on the loan but not on the title. We were married at the time of purchase but divorced in XX/XX/XXXX. So, I have been making the payments solely for over 5 years with no issue until the attorney was hired.
XXXX I called my attorney and asked it it was ok for me to stop making my mortgage payments because I became ill and was not able to work for 6 months.The attorney said " Ok, that is fine. '' So, I took his word as a professional.
( XX/XX/XXXX I am here speaking with a friend of mine in the mortgage industry - she believes that the attorney should have advised me at that exact time to do a hardship request. This way Ocwen could just add the payments to the end of the loan while I recovered. ) XXXX- My attorney called and said that Ocwen was asking for more income documentation, etc.
This went on and on for months ...
Late XX/XX/XXXX- My attorney called and said that Ocwen has sold my loan to XXXX XXXX .
XXXX I received papers that my loan was sold to PHH Mortgage.
XXXX PHH sent me papers saying my modification was approved. They advised me that my trial period would start with my first payment on XX/XX/XXXX.
XXXX The attorney send the bank my divorce decree and Quit Claim Deed taking my ex husband off of the title.
XXXX- I make my first months trial mortgage payment. I paid it on time, exactly in the amount requested.
XXXX- I make my second month trial mortgage payment. I paid it on time, exactly in the amount requested.
XXXX- I make my third month trial mortgage payment. I paid it on time, exactly in the amount requested. The trial period for modification approval is 3 months.
XXXX- I called PHH and let them know I do not under any circumstances want to miss a payment. So, I asked to pay my XX/XX/XXXX payment now over the phone. They said they could not do that but I could sent a check to a PO Box address that he gave me. I send the check certified mail, confirmed receipt and have a copy of the cancelled check.
XX/XX/XXXX -I received an approval for the modification. And I called my attorney and asked if it was ok for me to send back the modification papers without my ex husbands signature- which for some reason they still had on the paperwork. My attorney said " Yes, this is just good faith documentation '' and to sign my signature in both places and state under the co borrower section that I am the ex wife of the other party. So, I did and sent it overnight. It was confirmed received on XX/XX/XXXX. The due date for my response accepting the modification was XX/XX/XXXX.
XXXX- I called PHH to make a XXXX payment and they stated that my modification was rejected because of the co borrowers signature. I was never contacted prior to this moment. The PHH representative proceeded to tell me that I would need to make the increased Adjustable Interest Rate payment of $ XXXX- not the lower modification payment.
All this time they have accepted my trial payments knowing that I am divorced and then they deny me because my of my ex husbands signature.
Who is going to sign for a loan on a home that they do not own for their divorced wife? NO ONE!
Ocwen from the beginning of the process only ever asked me for my income. I qualified based on my income and a 3rd party contributors income that was added during the process. It is not based on my ex husbands information.
**What options do I have to have my modification accepted without the signature of an ex husband that can not be located please?
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| 10/18/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Servicemember |
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This complaint is to follow up on the COMPLAINT # XXXX The complaint was sent onXX/XX/XXXX Ocwen replied on XX/XX/XXXXunder the supervision of the CFPB.
Ocwen continued to send revised responses on XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXXAll this has caused confusion and they insist that despite the fact that the debt was discharged in Bankruptcy on XX/XX/XXXXthey insist in foreclosing because they claim that the beneficiary, who is the only entityXX/XX/XXXX should be dealing with can enforce the Deed of Trust.
The Assignment if fraudulent, the chain of title is broken, assignments in order for XXXX XXXX ' Note and Deed of Trust of validly be transfererred into the trust, XXXX XXXX XXXX XXXX XX/XX/XXXX-W1. Corporate Assignment of Deed of Trust inXX/XX/XXXX was executed by XXXX XXXX and notarized by XXXX XXXX both are well known robo-signers and the same is true for XXXX XXXX. Although the video deposition was taken down and there paper copy of the deposition which is too big of a file to upload, here is the link XXXX XXXX XXXX The Corporate Assignment of Deed of Trust is bogus, this is not a valid " corrective assigment '' for it does not meet the regulations regarding filing a corrective assignmnt in California. See EXHIBIT H & I The Substitution of Trustee was prepared and signed by Ocwen, without mentioned Power Atty. This is not possible because per the Deed of Trust, Section 24, only the Lender can substitute the trustee. Exhibit G See attached Loan transaction history and Form 1098 ( Exhibit C & D ) this will show the financial irregularities with regards to XXXX XXXX ' loan and fraudulent entries in fact. Take special notice that in XX/XX/XXXX the principal balance was {$0.00} ... XXXX XXXX 'XX/XX/XXXXcredit report reflects this also.
Securitization into the purported trust, XXXX XXXX XXXX XXXX XX/XX/XXXXW1 after reviewing the the governing agreements listed below, it is not possible VALID transaction and therefore voids the assignment of deed of trust and substitution of trustee recorded against his title at the XXXX County Recorders Office.
1 ) Sale and Servicing Agreement - Exhibit I 2 ) Mortgage Loan Purchase Agreement - Exhibit J 3 ) Amended and Restated Trust Agreement 4 ) Mortgage Loan Schedule Loan Modification Agreement with AXXXX XXXX XXXX XXXX XXXX can not be valid because they stated that they were the Lender in XX/XX/XXXX The agreement was not acknowledged, recorded at the land records. See suspicious fax transmittal document showing potential illegal transactions with XXXX XXXX ' Loan Modification application documents being used for the pretender lender 's benefit without XXXX XXXX ' consent. This must be addressed. This is potentially identity theft.
The Note and Deed of Trust received by Ocwen is different from the original Notes and Deed of Trust that we downloaded directly from Ocwen 's website under the file name " MORTGAGE 33 PAGES '' onXX/XX/XXXX I did not upload all the documents for they were not relevant to this complaint other than the note and deed of trust. The Note and the Deed of Trust in this file was the True and Certified copy and it is not indorsed.
The copies being mailed to me repeatedly are with fraudulent indorsements.
See Exhibit M and all the Exhibits. Exhibit M is a part of a prepared statement of XXXX XXXX XXXX Esq., XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. See page 6. It will show XXXX XXXX missing assignments with regards to the trust, XXXX XXXX XXXX XXXX XX/XX/XXXX-W1.
Again, see all attached EXHIBITS that proves that Ocwen, XXXX XXXX and other third parties involved have not authority passed on to them and have no authority under the NOTE AND THE DEED OF TRUST.
Rescind the Notice of Default, Notice of Trustee Sale and remove the cloud and slander against my once, good title. The title is clouded, broken and is unmarketable.
Respectfully submitted, XXXX XXXX
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| 01/17/2016 |
Yes |
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- Settlement process and costs
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Web |
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XX/XX/XXXX we moved to XXXX from XXXX, my ( then ) husband and our XXXX kids. The properties we owned prior had turned to gold financially, we had money, absolutely no debt and excellent credit. When we met with a loan officer we discussed our budget, my husband 's new job and what we were looking for homewise. We chose our home in the XXXX XXXX where the best schools in XXXX were. This home had sold for XXXX a couple years prior but the bank assessed and approved the inflated value of XXXX. We thought the market would keep booming and price us out so we made our offer after being approved of a conventional loan with fair interest rate. The two weeks prior to closing we became concerned that our loan officer was not returning our calls. On closing day, with the rental keys returned and boxes on the moving truck, he showed up to meet us at XXXX XXXX XXXX of XXXX. He apologized and said that our underwriter had the " flu '' and presented a subprime loan ( actually XXXX loans ) with a payment XXXX more than original loan agreement signed 8 weeks prior. We were terrified but this man insisted we would be refinanced at no cost in a week or two when the underwriter felt better. We were never to make that large payment. What choice did we have? While we were fearful, please understand that we had never had a bad experience in this area before, we were ignorant of the issues that were taking place around that time. We never heard from the loan officer again. All calls were unreturned, we tried explaining to our servicers ( XXXX and Wells Fargo ) the situation. In the following months we made the payments of XXXX while calling, pleading and handwringing. This would not be sustainable yet our cries for help went unanswered. At the time there were no protections in place like there are now. We knew this was nearly criminal but nobody cared. Our marriage fell apart in that year from the stress and we made plans to go back to XXXX the following XX/XX/XXXX. To afford the payments, we moved in with my mother in law. Clearly we could not even rent an apartment and make a XXXX payment for the XXXX property. Our hope was to sell it or rent it out if we ever got the payment to XXXX like it was supposed to be. In addition, there were months that we had to make double payments because our prior payments were not recorded, yes, we sent proof but it made no difference. Eventually XX/XX/XXXX, we had run out of money. Our savings had been depleted and my husband took a lower position at his old job here in XXXX. No payments had ever been refused even then. Our kind nieghbor in XXXX was taking care of our house and it was on the market. The value had dropped considerably. Only now have I been made aware that there were settlements in XX/XX/XXXX. I am still struggling to survive as a single mother, and the foreclosure by Wells Fargo made it difficult to rent and has done so until recently. Approximately 2 months ago I began my journey back in time, trying to figure out why we were not in the " database '' for settlements. Our foreclosure issues continued until XX/XX/XXXX when we were sued for the XXXX balance here in XXXX. Actually, no service of process took place, it was a default judgement. My ex husband, XXXX XXXX and I have discussed recently that he was never served by XXXX Investors ( XXXX XXXX ) and only knew of the judgement when his wages were to be garnished. Just as were getting on our feet we had to file bankruptcy. My questions now are as follows : 1. If deficiency judgement were not allowed in XXXX for a single family property, was there proper jurisdiction here in XXXX?
2. Was n't a lawsuit for deficiency out of the question so much later?
3. What was recovered by the banks from insurance, investment sales, bailout, etc? We were set up to fail for reasons.
To be continued In following complaint ... please assign XXXX No.
|
| 09/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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Last week I sent a joint check ( myself and lein holder ) for approximately {$19000.00} XXXX insurance claim ) and other required documents as detailed below for roof replacement ( due to hail damage- XXXX XXXX, 2015, though no current leaks XXXX on my home to my mortgage company OCWEN XXXX The web-site under frequently asked questions only required the following, under thier " Frequently Asked Questions Main Menu : InsuranceQ : Who do I contact in order to file an insurance claim, as my property has been damaged?
A : You must contact your insurance carrier 's claims department in order to file the claim. If you require guidance or assistance in filing the hazard insurance claim, you may also contact Ocwen 's Insurance Loss Department at XXXX XXXX XXXX XXXX Monday - Friday XXXX - XXXX
Q : I just received an insurance claim check made payable to XXXX myself and Ocwen. What do I do?
A : If the hazard insurance claim check is under {$10000.00} and your loan is in a current status, Ocwen will simply endorse the check upon receipt and return it to your attention so you can make the necessary repairs to the property. If the hazard insurance claim check is over {$10000.00} and/or the loan is delinquent, we will be required to monitor the repairs and the endorsed check will need to be sent to the Insurance Loss Department along with the following documents so we can assist in monitoring the repairs..
Contractor 's ProposalInsurance Adjuster 's ReportEndorsed Claim Check Without these documents we will be unable to process the hazard insurance claim check and assist in monitoring the repairs to your property. Ocwen understands that this can be a very difficult time for you, especially after experiencing a loss to the property. As such, we have a toll-free number set up to assist you with this process. Please contact Ocwen 's Insurance Loss Department at XXXX XXXX XXXX XXXX Monday - Friday XXXX. - XXXX
My problem is that after I sent the XXXX itemized documents, endorsed check XXXX my signature ), signed roof proposal, and insurance adjusters report. In addition in the mailing, provided plus a notarized building permit application ( between myself and XXXX XXXX XXXX XXXX XXXX ( a 30 year FL XXXX contractor licence # XXXX ) who does not use sub-contractors. The roof replacement proposal is straight foward at a cost of {$12000.00}, which I believed to be fair for the work and ultimately not require my insurance company paying out the full claim amount. In response to this submmision to OCWEN, which they recieved yesterday on XXXX XXXX, 2015, they unfairly and quite frankly defaulted on the above noted document request and emailed me a XXXX page " monitoring '' document, which is very complex and filled with additional undisclosed document and contract requests of me and the contractor and very likely an unidentified third party. Had this additional burdensom volume of additional information, agreement, and other requirements had been disclosed it is very likely that a contractor would have raised the roof replacement costs associated with the transaction. for example, of XXXX other companies who had patrolled my neighborhood looking for storm related roofing opportunities, XXXX provided a proposal of {$17000.00} for the same job and is not the contractor ( uses sub-contractors XXXX to perform the work. It is inconcievable that OCWEN now requiring me to sign contracts and include the selected contractor to possibly go against my insurance company for additional money perform this repair. This is difficult enough and most certainly will increase my property insurance costs as I have never before in my life filed a claim against an insurance policy for home repair. The insurance company is threatening to cancel the policy, for failure to complete what it has paid for and I ca n't take more time off work to ahndle this now
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| 09/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am XXXX XXXX XXXX ; I have a home mortgage loan with Ocwen Financial Servicing LLc. I am wishing to file a complaint against this company concerning questionable mortgage practices such as irrational fees applied to my account to keep me in late on my payments : Suspense payments fee BPO fees Property valuation fees Property Inspection fees Prior Servicers fees Late fees Late escrow fees I have carefully comb through my statements, receipts, and contract trying to find a logical reason for all these fees and nothing, then again, even the company reason is questionable to me.
Additionally, Ocwen Financial has misinformed me about many of my rights as a customer. Countless years my mortgage payments has been placed in an escrow account that I HAVE NEVER HAD ACCESS TO. My statements show surges in my monthly payments, surges in escrow payments and unapplied funds. Because of these surges, I made yet another call to Ocwen.
According to the many conversation, I have had with Ocwen Financial Servicing LLc, Customer Care Center. The company explains that they had to pay my home insurance out of my escrow account therefore, making the escrow account short. Triggering a reduction in my house payment consequently transferring it to unapplied funds until a whole payment. This is how Ocwen has round up thousands of dollars in IRRATIONAL FEES.
The requirements to withdraw from the escrow account is to have your house payments, house insurance, plus home taxes all current at the time you ask to be discharge from the escrow account. XX/XX/2016, I made three-house payments totaling nearly {$2000.00} more than I owed just to be on the safe side. I called Ocwen Financial Servicing LLc, Customer Care Center requesting to be removed from the escrow account.
Ocwen Customer Care Center explains they need to research my escrow requirements then contact me later. XX/XX/XXXX Ocwen Financial Servicing LLc, Customer Care Center sent me a letter stating my escrow waiver request was denied coupled with the statement the escrow is still required on your loan Furthermore, let me be clear I believe my issues concerns fraudulent practices committed by Ocwen in connection with its home mortgage loans. I believe the company was and still is being malice, misrepresentative and manipulative towards it customers. In my research, this is what I came to realize. Ocwen Financial Servicing LLc, goal is to keep the homeowner late or in default.
Combined, monthly payments coupled with the revenue generated from fee inflation each month times millions of customers is goal mine.
1.Make up fees for homeowner example ( BPO, Other fees, Inspection ECT.. ) 2.Homeowner Payment {$640.00} 3.Keep the homeowner late every month in order by collect fees 4.Inspection fee ... ... ... ... ... ... ... ... .. {$27.00} 5.Escrow short ... ... ... ... ... ... ... ... ... ... {$43.00} 6.Other fees ... ... ... ... ... ... ... ... ... ... ... {$10.00} 7.July 2016 Ocwen XXXX XXXX you owe for two months and late fees Shock I 'm behind???? ??
8.June payment what 's left of it is sitting in Unapplied funds collecting interest {$560.00} What has to be the most disturbing is The Deed of trust, which allows Ocwen Financial Servicing LLc to run a scheme in the event the obligator fails to meet their commitments. Which goes back to the point I made above reference to exorbitant amount of fee being generate by way of deceptive practices.
Finally, Ocwen Financial Servicing LLc has me last on all my bills, I ca n't keep this up much longer I 'm asking for any help legal your agency can provide. I have tried searching for legal help however, the fees or too high or case to small. I would like an investigation into Ocwen Financial Servicing LLc if possible, I would like the fees stopped, to have my fixed payments to remain the same as in contract and close the escrow account.
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| 03/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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on XX/XX/2018 I was approved for a trial modification plan that required 3 monthly payments {$1100.00} each month beginning XX/XX/18 and the last payment being on XX/XX/2018. I was told that the foreclosure scheduled for XX/XX/2018 would be on hold postponed while I am in this plan. I made my first payment on XX/XX/2018, second on XX/XX/18 and third on XX/XX/18. All payments we at least 2 weeks ahead of the due date. Each month I would call and ask why the foreclosure sale for XX/XX/2018 still shows active and each time I was told it is on hold. on XX/XX/18 I emailed XXXX XXXX XXXX of Ocwen Loan Service asking why the foreclosure was still active, he replied with the following " Dear XXXX, We apologize for the confusion this matter may have caused you.
Please be advised that the foreclosure activity on the account is currently on hold as the account is set up for Trial Payment Plan. Your second trial plan is due on XX/XX/2018 in the amount of {$1100.00}.
on XX/XX/18 I emailed XXXX from ocwen again asking why the sale is active to which he replied " Dear XXXX, Please be advised that the confirm foreclosure sale date is scheduled for XX/XX/2018. However, the foreclosure is put on hold to complete the trial plan successfully.
Once you complete the trial plan successfully by making all trial payments on time then the account will be reviewed for permanent modification. '' on XX/XX/XXXXI emailed XXXX from Ocwen again to as why the sale is not on hold to which he replied " Dear XXXX, We apologize for any inconvenience this matter may have caused. Exceptional customer service is our primary goal and we regret your experience with us has been less than favorable. We have noted the account with the information you have provided. Our records show that the account is under foreclosure. However, the foreclosure sale date has been placed on hold. For any clarification regarding the foreclosure, please contact the foreclosure attorney at XXXX XXXX XXXX, XXXX at ( XXXX ) XXXX and ask for XXXX XXXX or XXXX XXXX. '' on XX/XX/18 I called XXXX XXXX the attorney for Ocwen who advised me that the sale is still active and is not on hold. He advised that it wont be put on hold until the firm is advised by the client ( Ocwen ) to do so. I stated that Ocwen told me that they did notify the attorney to which XXXX reply was " Not Yet '' On XX/XX/18 I contacted my attorney XXXX XXXX and asked if he could contact the attorney for Ocwen to get clarification. XXXX called the Attorneys office who also indicated to him that the sale is still active and not on hold.
on XX/XX/18 I contact the XXXX XXXX XXXX to file a complaint. I do not recall the agents name but calls are recorded. She advised that I am on a modification plan and the foreclosure should be on hold. I was told she would call me with in 24 hours but that call never came in.
on XX/XX/18 I was called by XXXX from Ocwen to tell me that they are still working on a modification. He stated I should receive it in 10 business days which will be XX/XX/18 - 1 day after the foreclosure sale date of XX/XX/18.
As of today XX/XX/2018, my sale is active on the XXXX county sheriff sales page. I have numerous people stopping in front of my home taking pictures daily, I get no less than XXXX pieces of mail per day asking me to file bankruptcy and stating my home will be sold on XX/XX/18 and this is marked in big letters on the outside of the envelope for my kids and postal worker to see. My home is listed as foreclosure on real-estate websites prompting Agents to contact me and other so drive by and stop across the street and photograph me and my home. This has caused so much stress to my family and is have health impacts due to the stress. I though this was illegal, A lender can not be in a modification plan and still move forward with foreclosure.
please advise on what I need to do.
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| 07/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My Servicer is OCWEN. I wish to stop a scheduled foreclosure on XXXX XXXX, 2016, for a variety of reasons caused by NATURAL AND MAN-MADE DISASTERS that have occurred to the home.
There are other legal reasons but in this complaint I wish to address the natural and man-made disasters that have occurred to the property within the last 60 days and request a moratorium on foreclosure for 90 days, due to the extensive damage to the home, investigation of the man-made problems, determination of the costs to repair or reconstruct the home, analysis of the environmental issues that have arisen, insurance, costs, time to attempt to finalize a buyout/loan mod which has been sent to OCWEN, but prior to the disasters, and if the home can be repaired or should be condemned.
( 1 ) There have been severe thunderstorms and tornadoes in Georgia and XXXX over the last 60 days. Lightening has hit the home three times in the different storms, creating XXXX holes in the house ; XXXX in the roof and XXXX on the side of the house near the roof. These strikes and holes caused extensive damage and fire to the roof area, then allowed significant flooding of the top floors as the rainwater worked its way down the inside walls of the house to XXXX different floors and spreading through the subfloors causing damage to numerous rooms, sheetrock, cracked ceilings, and substantial XXXX mold now growing inside and outside the sheetrock on XXXX floors.
( 2 ) The lightening also knocked out the central HVAC, frying the outside units and wiring, and the water that flooded into the house filled and flowed through the duct system leaking all over the house and collapsing the air ducts. The lightening and storms also knocked out the house generator, power was lost, and XXXX third of the electrical circuitry was fried so that no electricity is available for a third of the house.
( 3 ) XXXX sewer and water issues have caused proplems throughout this older area of town causing sewer main collapses, sink holes and environmental issues affecting the soil and the water supply. The area has been under a mandatory boil water warning due to the sewer contents affecting the water supply. The extent of the environminetal damage underneath the house and in the back yard and beyond has not been determined due to the digging necessary and required repairs or reconstruction. The sink holes in the area and on the property are generally due to collapse of the sewer system which is XXXX XXXX XXXX terra cotta construction and a number of collapses have occurred in yards, underneath houses and parts of the neighborhood streets and sidewalks have fallen into sinkholes caused by the failure of the water and sewer infrastructure.
( 4 ) The sinkholes have appeared on this property in the front yard, sides of the house, under wooden decks, under the main part of the house, at the pool deck and pool in a general line from the street along the side of the house by the pool and into the ravine behind the house most likely due to either a collapsed sewer or broken water lines from deterioration of the soil underneath the yards, streets and structures.
( 5 ) The sinkholes and shifting earth have severely cracked the foundation of the house, and the results have been flooding of the lower floor with water flooding the entire floor, ruining the carpet, and ruining anything the water touches every time it rains. The foundation cracking plus the water/sewer problems have disrupted the plumbing in the house, broken water lines inside the house, and caused half the toilets in the house to cease functioning. It has also affected the water pressure significantly.
( 6 ) Worse yet the cracked foundation has allowed pests to enter the basement through the cracks in the floor and walls. The pests so far include snakes, especially copperheads, ants, roaches, spiders ; continued below.
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| 03/09/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I got a loan/mortgage from Litton loan Servicing XXXX in XXXX. In XXXX Litton got bought out by Ocwen Loan Servicing LLC, and was told to continue making payments and everything will remain the same and to sign and fax back some papers they sent over in the mail right away or I would lose my house. I have made my monthly payment each month and since that time my payments have went up by more than {$200.00}. The problem we are having is within the past three years Ocwen contacts me to pay various amounts from {$1400.00} to {$2100.00} because of fees that they have added to the loan. These fees range from forces insurance policies costing over $ 10XXXX, and other fees for services that we did not receive such as maintenance fees, and modification fees. When asked what the fee for is, I 'm charged a history transaction fee. I brought to Ocwen all the payment that I have made and show them that I have not missed a payment for the last 10 years and Ocwen adjusted my account because they did not have any documentation of that. I personally went to Ocwen office at the XXXX XXXX XXXX office and it was like a call center. I could not speak to any manager or anyone there and they told me that unless I was a lawyer they could not speak to me and to call them on the phone. The representative also stated that they are a collection agency and the servicer or the loan and not the owner. When I asked them who is the owner of the loan, Ocwen said it was there investors. They can not disclose their investors and if, XXXX sold the mortgage as a bundle then that investor could be anyone from XXXX XXXX, XXXX XXXX, or anywhere. Even though the loan was modified back in XXXX to have a 2.0 % the bad practices of using fees and penalties is what Ocwen uses to continue to collect more money and use to take people houses away. The loan with Ocwen says it 's a 30 year loan with 2.0 % but the type of loan is a balloon loan. I did not sign any papers for a balloon loan. Everything was fixed rate and conventional but now in the system it says that. I need that to be corrected back and for these fees to be removed. I had called a representative of Ocwen and we discussed the fees and were given a fax number for them to remove the fees and that was the only way because they can not remove fees over the phone. Each time we sent in this fax, Ocwen claimed that they never received it. The fees we need removed are the payments that we had made toward the forced place XXXX XXXX XXXX, because we already had insurance on the property. Additional fees that I need to be remove is the maintenance fee, investor fee, transaction history fee, late charge assessment fee, property inspection fee, property report fee, and FC thru title searches fee. Ocwen will not accept any payment unless it is the amount that they want and will only accept payment by cash, money gram or XXXX XXXX. Ocwen also charges a fee each time a payment is made whether it is by phone, EBT from a bank, direct deposit or online by an automated process. I would like to know why I am paying extra fees just to make a payment and how can me make monthly payment without paying an extra fee. The Ocwen representative also stated that I conducted a modification on this loan in XXXX and when I ask them for the documentation they said they could not provide that. Each time I call this company or have my son call this company who is an authorized representative on this account, it goes to a call center and the person says they can not help me and they are a debt collection agency and can only give information and any removal of fees has to be faxed in. On the CFPB website there are won class action lawsuits against Ocwen for this very same thing that I 'm submitting the complaint about. Ocwen is continuing these same misleading practices with me and I was never notified of these lawsuits against Oc
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| 03/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am being forced to file this Complaint because Ocwen Loan Servicing, LLC, hereinafter referred to as Ocwen, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California Fair Debt Collection Practices Act, hereinafter referred to as the Rosenthal Act. I took out a loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to a financial hardship in the Summer of XXXX, I fell behind in my scheduled monthly payments. While in default an Assignment of Deed of Trust was executed on XX/XX/XXXX that purportedly granted all beneficial interest in the debt to XXXX XXXX XXXX XXXX XXXX. At the time this assignment was executed, the debt was contractually due for the XX/XX/XXXX payment. While still in default and due for the XX/XX/XXXX payment, the debt was purportedly transferred or assigned again to XXXX XXXX XXXX XXXX XXXX as Trustee for a Trust on XX/XX/XXXX. At that time, I had no knowledge these alleged transfers took place. On or about XX/XX/XXXX, I received a letter from Ocwen informing me that the servicing of my debt obligation was being transferred to them effective XX/XX/XXXX. At the time Ocwen purportedly acquired the mortgage servicing, the debt was contractually due for the XX/XX/XXXX payment. Over the past two years, I have learned that pursuant to the FDCPA and the Rosenthal Act, Ocwen and XXXX as Trustee are " debt collectors '' and not " creditors ''. They are attempting to collect on the debt and due to non-payment are threatening to proceed with a nonjudicial action to dispossess me from my home without the legal right or authority to do so in violation of 15 U.S.C. 1692f ( 6 ) and California Civil Code 1788.17. Despite numerous letters to them, they have failed to validate the debt and have failed to provide me with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. In fact in a XX/XX/XXXX letter to me, Ocwen acknowledged that is no one single owner of the account and that XXXX does not own the account. In reading the newly published U.S. Supreme Court ruling on XXXX XXXX XXXX and XXXX, XXXX, the Court confirmed that if a consumer disputes the debt and the amount owed, a debt collector must " cease collection '' until it " obtains verification of the debt '' and mails a copy to the debtor. Verification of the debt does not mean a copy of the loan documents. Although I have taken legal action against them, they have not stopped their collection and enforcement activities. I am filing this Complaint to make the CFPB aware of their wrongful and illegal actions. The California Supreme Court has confirmed that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and is enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt or collect a debt and/or initiate and complete a foreclosure action. Based on information and belief, I believe Ocwen and XXXX are not creditors nor are they representatives of my true creditor. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. Ocwen and XXXX are engaging in acts that are causing substantial harm not only to me but to California consumers and taxpayers. They are continually attempting to collect a debt that is not due or owed to them. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding the FDCPA and the Rosenthal Act among other federal and state laws they are mandated to abide by. Ocwen and XXXX as Trustee are not exempt from abiding by these statutes and must be held accountable for their misconduct.
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| 08/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Credit decision / Underwriting
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Web |
Older American |
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OCWEN Loan Servicing LLP is violating my rights as a US Citizen. OCWEN began an all out attack on my loan in good standing after they posted {$76000.00} I was awarded by Keep Your Home California and {$5000.00} HAMP incentive that I earned by never being late on my loan for six years. XXXX XXXX from the OCWEN Ombudsman office was so jovial when she told me that my name being removed from the loan was not the worst of it, that my assumption of the loan being reversed was not the worst of it, that reversing the loan modification of XX/XX/XXXX that was made when the loan was being serviced by XXXX XXXX was in the works. I refused to speak with XXXX XXXX after that conversation because she talked down to me and seemed as excited and joyful as a soccer fan as she relayed to me all the terrible things OCWEN was going to do to me. Her tone of voice was jovial, full of joy, excitement and passion, as if she was engaged in XXXX and really XXXX delivering bad news.
Reversing the loan modification of XX/XX/XXXX was put on the back burner when I reported the reversal of my loan assumption and my six year perfect payment history and that OCWEN was stealing Keep Your Home California money and HAMP incentive money that I as a home owner had applied for and earned by my perfect payment history.
The abnormal amount of time my " Probation '' period lasted feels criminal and very punitive.
It also feels punitive, as if I am in some sort of debtor 's prison that my six year perfect payment history only seemed to annoy OCWEN and make them try harder to find ways to punish me, lowering my credit score with an assortment of different " optional '' remarks that carry hefty score lowering clout, causing my score to drop XXXX to XXXX points as soon as the optional remarks were added by OCWEN. Each time Ocwen would claim the remarks were " Mandatory '' even though all the bureaus said they were completely " Optional '' and each time the remarks were different.
XXXX XXXX became my next point of contact in the Ocwen Ombudsman 's office. In a soft spoken, serious voice he would send me on back to back wild goose chases to verify if the accusations he made against XXXX, then XXXX, then XXXX again were true or false. It was a great burden on me to write letters, make phone calls and check out the accusations and in each case what XXXX XXXX claimed was caused by XXXX or XXXX was in fact caused by OCWEN. XXXX XXXX would make serious accusations against XXXX, accusing them of changing the XXXX score. I told him that from now on he needed to put his accusations in writing. He did put in writing that OCWEN puts score lowering statements on MANY Ocwen accounts, remarks that are optional but OCWEN has made a mandatory internal policy to lower scores however they can. XXXX XXXX told me many of the " errors '' he correct could " happen again '' and he would fix them again. I contacted his supervisor and his supervisor 's supervisor. The sheer number of times there have been " errors '' on my account since XXXX XXXX is proof that OCWEN is either the most incompetent organization on earth or engaging in criminal activity or perhaps both. I feel like I have been financially kidnapped by OCWEN and denied my Constitutional rights. OCWEN is engaging in a form of slavery. Even after OCWEN it told not to overturn loan mods, they started the process of overturning my XX/XX/XXXX loan modification. They only put the process on hold because XXXX XXXX told me to report OCWEN to the CFPB. They have indicated to me that it could happen in the future and that the assumption of the loan could be reversed again, my credit score could be messed up again by incorrect info reported by OCWEN. They threatened me by telling me every time I report them it to the Attorney General and the CFPB, it causes them to do things that harm my credit score, that it 's my fault
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| 10/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/XXXX my home was demolished by XXXX Indiana with NO warning, nor due process because I reported, city employees of falsifying documents ( to steal homeowners homes from them ), fraud ( alleging due process occurred when XXXX employees never make contact with home owners ) and federal HUD dollars abuse ( refusing to use federal HUD aide in certain communities creating massive blight and poverty ).
I have been a victim of all XXXX above mentioned here in XXXX XXXX Indiana. The city XXXX legal department along with its city XXXX department employees have worked collectively to illegally removed my electric and gas meter XXXX XXXX ) from my home, though the utilities were current and forced entry XXXX XXXX x ) 's. They placed my home-up for demolition with-out having made contact with me regarding a legal hearing and or sell/transfer of ownership. I contacted city XXXX line to get assistance and the referred me back to XXXX XXXX the city-code executive director who was the very one who made the request. He refused to have the meter XXXX XXXX ) replaced and stated he is moving forward to have the home Demolished on XXXX XXXX. My mortgage is current along with insurance, property taxes, gas and electric. I believe I am continuing to be a target because I reported fraud ( misusing/and or unaccounted federal HUD dollars and abuse to Washington DC XXXX. I have since had on-going letters from city-code department but prior to my reporting them I had Never received a letter/notice of any kind from the city regarding this home. I purchased the home in XXXX. In XXXX, when I filed a complaint with HUD, that 's when all the letters from code enforcement harassment began stating, need ( XXXX ) to cut grass, graffetti on garage, sinking sidewalks etc.
I reported the intentional creations of blight in my community because the city inspectors were refusing to allocate funds to certain areas and homes were being snatched away from their owners and boarded-up. Later to be sold out from under them and then stiff the owner with existing mortgage payment XXXX XXXX ) and other city accessed penalties and fines, though the were forced out the homes illegally. I have now applied for a gun permit. I contacted the local police. I have a police report number XXXX and requested formal charges be made against City XXXX enforcement executive director XXXX XXXX for theft of property and unlawful forced entry to my home, vandalism, intimidation, and on-going harassment. XXXX XXXX was assigned the case and told me that he had requested ( XXXX XXXX felony charges against him to the prosecutors office. I visited the Prosecutors office and spoke XXXX from intake where they took extensive notes and viewed the evidence gathered from the seen. They told me in order for the detective to best prepare the case for the prosecutor he would need to view and also collect all the evidence I had. Once the officer contacted and spoke with me via telephone he DID NOT request to view nor add any of the evidence collected for this case. I called him and left a message on his telephone regarding my concern and he has yet to return my call. Every time I contact the police to report things from my home being stolen, vandalized and the door kicked in NOTHING is done. They refuse to give me a police report, do a criminal investigation, arrest the perpetrators ( which were all paid XXXX employees and of contractors XXXX, instead they tell me to get a lawyer, NO CRIME has been committed and this is a civil matter. On XXXX/XXXX/XXXX with several police officers present the city DEMOLISHED the home with All my personal belongings, with NO legal right to do so. Now I 'm am on the hook for a mortgage, for a home that NO longer EXIST.
There is a lot of criminal activity going-on, because I 've spoken out about it, I believe my children & I are in danger.
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| 09/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
We currently have a mortgage loan with OCWEN XXXX in North Carolina. The original balance was {$800000.00}. and is now approximately {$770000.00}. This mortgage was placed on this property as a short term way of raising cash to purchase a piece of property on which to build a " build to suit '' building for a major cable company. Our intent was to pay back the loan in full as soon as we built the building and closed on permanent financing and thus we were not concerned about the very high interest rate. This seemed like a very secure project and a number of banks competed over the financing of the construction loan.
As the building neared completion the cable company changed upper management and decided to cancel the building. We had no choice but to give the building back to the bank in lieu of foreclosure. My husband was happily making a very good income and we were able to carry the mortgage with OCWEN ( never late on a payment XXXX Now, my XXXX husband has mobility issues and can no longer work very many hours. I contacted OCWEN and told them that we were down to our last {$100000.00}. in savings and could not carry the mortgage as it stood much longer and needed to restructure it. They offered a possible modification.
For over four months, despite our giving them a complete package of information they continued to ask for additional information and would schedule a phone conference for 3 weeks in the future. After my numerous complaints, they spaced the calls 2 weeks apart. In the meantime, they collected the $ XXXX on the mortgage.
In addition to always needing an additional piece of paper they also claimed ( sometimes as many as 4 times ) that they did not receive the documents I had emailed despite my computer telling me the documents were received. I began to send the documents to several OCWEN email addresses but they would still claim no receipt. After 4 times of sending my husband 's SocialSecurity benefits statement they asked for 2 months checking statements to verify this. I sent them numerous times only to have them say the documents were now out of date and I needed more recent ones.
I told XXXX OCWEN that I was on to the game where they intended to draw out the process as long as possible, collect the many months of mortgage payments, and perhaps never produce.
An appointment was moved up to only one week away for a final decision. That decision was negative. The reason -only reason given- was that the loan amount was too high and they do n't do mortgages for that much. Excuse me but this is the same company who held the mortgage when it was higher still!
Additionally, they knew the dollar amount from Day One and never ever indicated they could n't finance a loan for that amount.
Clearly, they did not deal with us in good faith and used very deceptive practices.
We are left with little to no options. The house is worth less than the {$770000.00}. balance of the mortgage which needs to be covered by insurance so they insure it as well. The land has more of the total value of the property but land is not insurable. Therefore, since we ca n't purchase conventional insurance we can not get a loan from a conventional bank. Property sales are way down so selling at the moment is not an option. Our request was for financing for 3-5 years. We would then sell the house and repay the loan. With OCWEHN aware of this, it is clear they knew they could keep us on the hook for many months and eventually take the house. It has only now come to a conclusion because I became adamant that I would not go beyond this week with the situation.
I do not know if you can help me personally but I feel you need to fine OCWEN heavily for their practices and perhaps putting them into bankruptcy. Their history is abysmal and I was dismayed to read XXXX article on their past illegal practices. Thank you.
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| 10/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern : I am writing this letter as my last and final attempt, requesting Ocwen Loan Servicing, LLC to cease and desist order regarding, the erroneous reporting of delinquency from my credit profile at all four credit bureaus for XX/XX/2018, and XX/XX/2018 for account ending XXXX.
History On or about XX/XX/2018 I telephoned your customer service department regarding the erroneous charges that were placed on my personal banking account at XXXX XXXX XXXX XXXX that required me to place a freeze on the account. This account unfortunately was the account where, my payments are automatically deducted monthly.
I discussed with your customer service agent that due to the nature of the freeze both mortgage payments would possibly be affected and this was beyond my control. In speaking with the agent, I was orally promised that my account was being noted, and that no late fee would be assessed if paid on before the next due date inclusive to the 15th day grace period of XX/XX/2018.
I have been a good standing mortgage paying client for over 11 years, all payments are automatically deducted in whatever amount is set by Ocwen that is due monthly. The payment was paid on XX/XX/2018 via XXXX XXXX Web Pay in the amount of {$430.00} attached hereto as ( Exhibit A ). This payment was made to satisfy the XX/XX/2018 payment.
The payment for XX/XX/2018, in the amount of {$400.00} was received on XX/XX/2018 and applied on XX/XX/2018.
The payment for XX/XX/2018, in the amount of {$410.00} was received on XX/XX/2018 and applied on XX/XX/2018.
After being called into the office at my XXXX XXXX, I was questioned regarding the status of the erroneous delinquency credit reporting of my account on all major bureaus, from Ocwen Loan Servicing, LLC. I was oblivious to the reporting because, I was in reliance of what was promised orally by your customer service agent back on or about XX/XX/2018. I clearly was misled, and given false, and misrepresented information from your customer service agent regarding the late reporting on my account.
Immediately upon learning of such inaccurate reporting, I immediately disputed, and requested a Transaction History report from your Research Department. The research department was of no help and ultimately concluded that an oral contract had not occurred regarding the delinquency and payment arrangements conducted between your agent and myself, therefore concluding that I was liable.
On XX/XX/2018 my disputes had concluded between XXXX, XXXX, and XXXX. After receipt of my bureaus, Ocwen still refused to remove my late for XX/XX/2018. Additionally, Ocwen added an additional erroneous report stating my account was thirty days past due for XX/XX/2018 as well. Ocwen further assessed an erroneous late charge fee to my account for {$14.00} for an automatic payment that was received on XX/XX/2018 attached hereto as ( Exhibit B ).
My normal payment procedures, has always been to have payments automatically withdrawn from my account on the XXXX day of every month. I have no control as to when the account is applied. This clearly is an internal system error, and is no fault of my own. Furthermore, I never set the amounts deducted, the instructions for the last 11 years as your borrower has been to deduct what amounts were due and Ocwen Loan Servicing, LLC has never sent notice changing such automatic payment totals were contingent to my selection of the amount to pay.
On XX/XX/2018, I spoke with the customer service agent, she assured me that there was no late reporting on credit for the month of both XX/XX/2018 or XX/XX/2018. I asked could I be transferred to your legal department or Consumer Protection Department. In efforts to get this illegal lending practices matter resolved, the agent then referred me to contact the Office of The Consumer Ombudsman via fax or mail.
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| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortage loan originated with XXXX in XX/XX/XXXX. It was two parcel 's in one purchase combined and escrowed conventionally as one loan for $ XXXX, deeded together as one.
Currently, we 've been with XXXX XXXX for about 4-5 years and have had nothing but issues. We were previously with XXXX XXXX who sold us to XXXX XXXX. In the middle of the Ocwen/XXXX transfer we filed bankruptcy to save our house ( XX/XX/XXXX est ) due to the economy, which never went through because we found the money to pay our way out. In the middle of the transfer between mortgage companies Ocwen, foreclosed on us without our knowledge on the auction block due to back taxes that XXXX never paid. We got as far as the deed changed over to another person due to taxes not being paid on the parcel of land our house sits on. We have another parcel attached that our land only on that were purchased together in the original loan explained above. My husband fixed the deed with Ocwen by calling them every single day for roughly two months while threatening lawsuit and bad practice because we were foreclosed to the sum of $ XXXX estimate in taxes that XXXX XXXX never paid.
After the " foreclosure '' we were forced to sign a refi agreement ( Obama plan- but the numbers were skewed and we could n't get an answer on why ) with Ocwen in order to keep the home and for them to " research '' the $ XXXX that XXXX never paid. We gave birth to our XXXX child in this time line and were terrified of being homeless with a new baby. To date Ocwen has still have not cleared up or given us documentation on this issue but only the explanate. It was considered " lost '' per their books, but the deed was corrected with the county by switching it back to our name and all was well in regards to the XXXX in back owed taxes ( we think )?
We never have found where our money has gone in the past 12 years, but we still owe over $ 200k on our home when our original note was $ XXXX. The only money we know that was accounted for was the $ XXXX down payment we put on it as a down payment to XXXX.
Fast forward to summer of XX/XX/XXXX and, we hit hard times with a medical issue with our youngest ( we now have XXXX children ages XXXX, XXXX and XXXX ) and were out of work 6 months while living in the hospital. We reached an agreement with Ocwen to go on a re-payment plan this fall to correct our back payment and signed off on a new amount for one year for double our payment to catch back up. We paid early, quickly and on time. We made two payments on this plan, one in XX/XX/XXXX and one in XX/XX/XXXX. We paid our XX/XX/XXXX payment, as agreed and everything seemed fine. We received a notice yesterday that our escrow is now more than double the amount of last year ( our taxes do not justify this ) and we owe $ XXXX as a payment. We called and they have no answer for us, everything is still offshored, and they returned our payment made on XX/XX/XXXX, a week or so ago without our knowledge or notifying us. There is no reason for them to return the payment as we now pay them out of a separate account because we are scarred from the nightmare we have had dealing with them and the money is still there. It now appears we are in default of our payment agreement and they have no explanation for the escrow amounts and now our land is showing a different address that is no longer escrowed with our house parcel which was all in the orginal note to begin with. We are supposed to pay the 10 acre land taxes out of pocket, which does n't make sense since we pay into an escrow per our original agreement 11 years ago.
We ca n't get a clear answer, clarity or anything and know we are past the point of " fixing '' it. We feel a deep dive investigation in our case would find significant fraud, deceit, mistakes in accounting and monies owed on our account by various mortgage companies.
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| 04/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On or about XXXX XXXX, OCWEN took over as my sister mortgage servicer. On XXXX XXXX, without her knowledge, they added property insurance to her home. She was never contacted or was told that the OCWEN needed proof of insurance. On XXXX they started charging her account attorney fees and other charges. On XXXX XXXX they again charged her for property insurance, without contacting her.
The first sign that there was any issue with her account was late XXXX when they returned her first check, with a letter stating it was INSUFFICIENT TO CURE DEFAULT. When she contacted them, she was informed about the insurance deficiency. One and a half month later, after 3 tries from agent, and then finally staying on the line with representatives from OCWEN, they were able to " find '' her proof of insurance. You would think that that would have been the end of this ordeal, but apparently it is only the beginning.
Some more timeline.
XXXX check was also returned for the same reasons. Insufficient to cure deficiency.
On XXXX XXXX, her escrow account was credited for part of one of the insurance charges.
On XXXX XXXX they paid off the balance on her actual insurance.
Late XXXX she received a call from OCWEN that she needed to make a {$3000.00} escrow payment. She made the payment and within 5 days, they had applied to her account.
On XXXX XXXX the other insurance was credited to her account.
On XXXX she received papers for her to sign and a schedule of payment.
She then received a call from agents from OCWEN telling her that she had to make the payments right away. She was told she had to make one payment right away with a money order, she did and then she sent the other two payment.
Late XXXX she sends me copies of plans for a mortgage modification. I was not aware that OCWEN was her loan servicing company. After doing some background check I advised her to stay away from that company.
On XXXX XXXX OCWEN sent a delinquent notice of stating she is 145 days late and a totals of {$6500.00}. They are still looking to add to the escrow that is already 3 times what it needs to be, since only the Property Tax is due.
On XXXX XXXX, My sister had a phone interview with XXXX XXXX, an agent of XXXX. Agent insisted that she needed to sign modifications papers. My Sister advised her that she had sent a check for the {$6500.00}, and that she did not want a modification. Agent proceeded to tell her it was up to OCWEN how they would distribute the funds.
On XXXX XXXX, I tried to make an on line payment. I did not because it stated that making a payment would mean she was agreeing to their terms and condition to the loan modification. Made the payment using a check and sent it overnight. They received it on XXXX XXXX and have not processed the payment. I checked payment dates sent and when payments were posted. They normally take 3 to 5 days. Since payment is sent to a XXXX XXXX , I could not have someone sign for the payment. I 'm actually afraid it may be " lost '', just like her insurance information.
On XXXX XXXX, my sister returned a call from OCWEN and spoke to XXXX, agent # XXXX. First he stated that the payment was no good, because it was in the form of a check, when she stated that the letter she received did not specify payment form, he stated that they had to wait seven days before they could post the payment. Historically, they have processed payments 3 to 5 days after they were mailed. They have the current payment since XXXX XXXX.
I have payment history, insurance history and any form of paperwork necessary to back above information. this company has architected an issue were there was none, and has blatantly refuse to correct the issue. They target mortgages with high equity and weak barrowers that can be entangle easily. Please look at all the complaints against this company, some me not be called for, but
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| 02/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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First of all, I refinanced my mortgage in 2004 with Option One. One of the primary reasons I chose that lender is that they sold none of their mortgages in the 5 years prior to my signing. Of course, approximately 4 years later, my mortgage was sold to AHMSI, then to Homeward Residential a few years later, then to OCWEN. Having heard very negative comments about OCWEN, I called them as soon as I received a notice of the loan transfer and asked them if I could contest the transfer or select another lender. I was told that I had no choice in the matter, so I asked that my protestations be noted on my account. For the most part, things have gone much better than I expected with OCWEN over the last few years. I 'm sure it helps that I have never had a late payment. After the beginning of last year, however, I received a letter requesting that I complete a XXXX form and return it to their office. I 'm a small business owner, so I have provided XXXX in the past to my clients for payment. I thought it very strange that my lender would ask me for this document, especially on a loan that was nearly 10 years old. I wondered why they would possibly need a XXXX on file. When I called them, I was told " we do n't have your SSAN on file and need to confirm it ''. After speaking with approximately 8 people within their call center, I informed them that they should have everything they need from me and if they do n't, they should have handled the mortgage transfer more carefully. Their statement obviously was dishonest because I had recently received my Mortgage Interest Statement, which had my SSAN on it. I started wondering why they would really need such a document from me, since their stated reason was n't likely the true purpose. I 'm sure you are aware that OCWEN an " F '' rating with the XXXX and they have been well documented to be deceptive, or at least inept with the handling of their borrowers ' documents. I began to wonder if they need a document to have something on file with my signature on it, possibly because they do not have any of my originally signed mortgage documents. I insisted that I would not provide any information to them, so I eventually stopped receiving requests.
My reason for contacting your department is that I have received another request for a XXXX from OCWEN. I will not be sending them the requested information and it has prompted me to do some research on my loan. The first thing I found is that no Assignment of Mortgage was filed in my local clerk 's office for any of the three transfers of my loan. I am concerned about OCWEN 's record keeping and sincerity, so I would like to request proof that they have my original loan documents. My reason for doing this would be to make sure they are applying my payments and filing their/my paperwork correctly. My concern is that, if I were to pay off the loan in the near future, would they be able to issue the proper documents stating that the loan has been satisfied? Would they actually be able or willing to release the mortgage, especially if they do not have the original documents from when I refinanced my mortgage in 2004 with Option One.
At this point, I would like to know what my options are. I am not looking to do anything in this matter, other than to find out if all of the years of payments are going to be processed correctly and if, at the end of the mortgage, they are capable of providing me with a Satisfaction of Mortgage. It has been well documented that lenders regularly sell mortgages to other lenders and when they do, many of them have not been transferring the records correctly. On a side note, I feel there should be some restrictions on when and how lenders can sell your mortgage. I also feel that the homeowner should have some choice in the matter. Thank you in advance for your time and assistance.
Sincerely, XXXX XXXX
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| 10/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I began battling this issue with OCWEN Loan Servicing LLC ( hereafter referred to as " OCWEN '' XXXX in XXXX of XXXX. I have spent nearly one year and 100+ hours compiling letters to OCWEN XXXX emails to OCWEN XXXX letters to the credit bureaus and in telephone conversations with both OCWEN and XXXX yet, OCWEN continues to report to XXXX incorrect, slanderous information that is PROHIBITED by the FCRA and XXXX XXXX even after all of this information has been brought to their attention, continues to report incorrect, sladerous information on my credit report. This complete disregard for my rights under the law by both OCWEN and XXXX has cost me XXXX dollars in higher interest rates and higher insurance premiums and denial of loan applications.
To summarize, we filed for bankruptcy in XXXX with a discharge being entered in XXXX of XXXX. At that time and through XXXX XXXX, GMAC was our mortgage provider. When GMAC filed for bankruptcy, our mortgage was taken over by OCWEN and so began this RIDICULOUS chain of events. When OCWEN took over our mortgage, they began reporting our loan as being a " reaffirmation of a debt '', indicating to anyone in the credit industry that a bankruptcy had taken place. THE PROBLEM with this and the reason they should be investigated and I pray, FINED, is that in XXXX, XXXX when OCWEN took over our mortgage, we were already 10+ years out of the bankruptcy, thereby prohibiting them from reporting anything related to, or making any remarks pertaining to a bankruptcy. NOW, HERE WE ARE 12 1/2 YEARS AFTER THE BANKRUPTCY and OCWEN continues to report this prohibited information and XXXX, despite my disputing this information with them, continues to include it on my credit report. OCWEN HAS NEVER HAD THE RIGHT TO REPORT THIS INFORMATION since the allowable timeline for reporting the bankruptcy and discharge EXPIRED ON XXXX/XXXX/XXXX, BEFORE THEY EVEN TOOK OVER SERVICING OUR MORTGAGE ( WHILE OUR MORTGAGE LENDER WAS STILL GMAC XXXX!!!
Now, to make matters worse, XXXX incorrectly lists XXXX XXXX XXXX XXXX OCWEN accounts - XXXX in good standing showing my account open and current and no negative comments in the remarks section. The other OCWEN listing shows the account " closed '' and in the remarks section it still shows it as a " reaffirmation of debt ''. I have been over this many, many times with OCWEN and XXXX and advised them that they are NOT ALLOWED, under the laws of the Fair Credit Reporting Act to report my account in this way - " reaffirmation of debt ''. There should only be XXXX OCWEN listing in my credit files and it should be the XXXX showing the account in good standing, PAID/NEVER LATE and NO OTHER COMMENTS. I again contacted XXXX directly XXXX by phone ) and I did file a credit dispute. On XXXX XXXX, XXXX, they show an " update '' to my report, but IT IS STILL COMPLETELY INCORRECT. It seems impossible for me to get anyone to understand what has happened and what needs to be done to correct this matter, yet it is really very simple if someone would just actually listen to me and pay attention to what I am saying and actually read the supporting information I have provided to all parties numerous times. At this time, OCWEN needs to file a correction specifically with XXXX to have my credit report corrected to list only the OCWEN account in good standing. This has been OCWEN 's mistake all along, but I have spent hours upon hours trying to get this straightened out. By law, it is OCWEN 's responsibility to fix this matter immediately. HOW COULD THIS TYPE OF THING CONTINUE TO BE ALLOWED TO HAPPEN TO CONSUMERS? I have paid dearly, for many years for my financial mistakes, but I have worked very hard to rebuild my credit. FYI - when XXXX corrected my credit reports, my FICO scores went up almost XXXX points! That 's how much this FALSE information is costing me!!! HELP!!
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| 10/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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IS XXXX XXXX TO ANY XXXX?
Dear ....
My name is XXXX XXXX, XXXX XXXX XXXX with residence at XXXX XXXX XXXX XXXX, XXXX FL XXXX.
This is my XXXX time trying to have an answer about ; in my opinion is a force of power, not a justice. Here is my history and I look for answer, positive or negative but an answer that convince me that I am wrong.
I own the Deed of my house but with a lien for a mortgage loan. I stared a Loan Modification with the Loan Servicer on XX/XX/XXXX with a XXXX trial payments, XX/XX/XXXX and XX/XX/XXXX
XX/XX/XXXX, after a XXXX payment was made, I received a Loan Modification Agreement. The Agreement says on Section # XXXX : & lt ; Acknowledgements and Preconditions to Modification. I understand and acknowledge that : A. TIME IS OF THE ESSENCE under this Agreement ; B. If prior to the Modification Effective Date as set forth in Section XXXX the Servicer determines that my representations in Section XXXX are no longer true and correct, the Loan Documents will not be modified and this Agreement will terminate. In this event, the Servicer will have all of the rights and remedies provide by the Loan Documents ; andC. I understand that the Loan Documents will not be modified unless and until ( i ) I received from the Servicer a copy of this Agreement signed by the Servicer, and XXXX XXXX ) the Modification Effective Date ( as defined in Section XXXX ) has occurred. I further understand and agree that the Servicer will not be obligated or bound to make any modification of the Loan Documents if I fail to meet any one of the requirements under this Agreement.
Section XXXX. The Modification. If my representations in Section XXXX continue to be true in all material respects and all preconditions to the modification set forth in Section XXXX have been met, the Loan Documents will automatically become modified XX/XX/XXXX ( the " Modification Effective Date '' ) and all unpaid late charges that remain unpaid will be waived. The Loan Documents will be modified and the first modified payment will be due on XX/XX/XXXX & gt ; XX/XX/XXXX, when I tried to make the mortgage payment as stipulated on the Loan Agreement, the Servicer told me that they can not accept the payment because the Loan Modification was n't complete yet and the same happen XX/XX/XXXX. After been talking with the Relationship manager about it, he says the same, the Loan Modification was n't complete but I never received a letter from the Servicer explaining that they are behind in the process but the Loan Modification is approved until XX/XX/XXXX or XXXX, I do n't exactly remember, when I spoke with the Relationship Manager and he told me that everything is approved XX/XX/XXXX Few days after, I received a Loan Statement showing 2 month behind, date XX/XX/XXXX. When I call, they said that I suppose to make the payments for XXXX and XXXX, I claim that I was n't allow because the modification process was late but they ask me to make those 2 month payments if I would like to have my mortgage up to date, and if not it will be behind those 2 month. I received the executed Modification Agreement the first or second week of XX/XX/XXXX, and it was signed by the Servicer XX/XX/XXXX. I write a complaint to the Office of the Loan Consumer Ombudsman and the answer I get was shocking me, she said " regardless what the contract said '' your XXXX and XXXX payments are behind. As I mention before, I tried to many time to have an explanation from different source about this and I found that is the " FORCE OF POWER ''. I do n't have the money to employee an attorney who will be charging me {$200.00} or more per hour where could be ended around 10 hours equal {$2000.00} when I was n't the party who was late in the process as it recognized by XXXX XXXX, Consumer Account Analyst from the Office of the Consumer Ombudsman at Ocwen Loan Servicing in a
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| 08/25/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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We are purchasing a property from XXXX TRSTEE of a REO that OCWEN LOAN SERVICING LLC was/is the servicer and the property address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The property was listed in the Florida XXXX and was listed through a broker, so Florida Statue, 475 ( FS ) would applies regardless if the property was sent to Auction.
After being told that the prior winner of the auction decided not to move forward, we were told that we would have to go up to highest and best offer and won the bid. We did an inspection within the inspection period and objected to title issues on their title commitment of liens and violations that the servicers knew of and was dealing with correcting with the City of XXXX XXXX for over a year ( This was not disclosed as well ). And although the contract was AS-IS, we could do an inspection, and we had an objection clause for title within a certain period. We knew that the seller has had XXXX previous buyers that walked, and they were presented with an inspection report within the past XXXX moth to a year. So Ocwen and the Listing Agent were both aware of these issues on the inspection report and they did not disclose to us or in the XXXX.
I sent an email with the inspection to the seller 's title company and our point person XXXX XXXX, Closing Coordinator, XXXX XXXX XXXX XXXXXXXXXXXX, P : XXXX | Ext. XXXX F : ( XXXX ) XXXX, that we explain that there are over $ XXXX of deficiencies in the home, including mold issues, we had requested that the lender replace the pool pump and heater, correct the improper sprinkler pump they paid someone to installed without a permit ( hazard & electrocution issue ) so at least the lawn can be watered to reduce the weed issues, replace the stolen AC condenser and replace both Electrical Panels ( illegal now and can not be insured ) and we would take care of the interior electrical issues, mold and other issues as per inspection report.
I also explained that since this is a primary resident we are buying and we have been watching the home for over 2 years. They said they would review our inspection report and the seller/lender would review our request. They said the lender/seller would give us some credits for repairs, and we replied what was the amount of the " some credit '' did the investor had in mind? We need to lock this down sooner rather than later so we feel certain of this transaction closing.
The seller/lender came back stating that price reduction we requested and they approved was now all we were getting. We explained that that reduction we requested was based on the fact that the property value vs. auction price was overvalued, which we provided comps to validate our statement. And since the seller, the listing agent & their preservation company did not disclose known defects that they were aware of ; constitute misrepresentation, so " Caveat Emptor '' does not apply when seller & realtor withheld facts of material defects affecting the home and its value, which is not readily observable and are not known to buyers, the seller is under duty to disclose and Florida Statue 475, FL, has extended that duty to real estate licensees ( the listing Broker ) selling residential properties, see XXXX XXXX XXXX, and since the XXXX showed no such addendum or disclosures were provided, this constitutes fraudulent misrepresentation and concealment.
Ocwen is notorious for doing what they want, they own the auction house and the title company, so we are not sure if these decisions are coming from Ocwen or the title company is taking upon itself to not present our issues and making autonomous decisions on their own. Please us.
Also, title company tried to deceived us by sending us only partial liens, of $ XXXX, $ XXXX, $ XXXX and with held the a fourth lien on title totaling {$170000.00}. Luckily we ordered our own lien search.
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| 03/08/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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Ocwen / PPH mortgage servicing company have caused major financial damages with willful intent to wrongful foreclosure on our home and small business while servicing our Federal HAMP modified mortgage loan from XXXX to XXXX thru the following actions : 1. unlawful violations to federal regulations and HUD standards for mortgage servicing, misapplication of mortgage payments by placing large amounts funds paid in suspension accounts and consistently manipulating the accounting in order to withhold those funds as mortgage payments then demanding the same payments again to cause damage and default 2. large amounts of unapplied mortgage payments 3. excessive amounts of invalid fees and late charges contrary to our bank records 4. Fraudulent annual statements reported the IRS with major discrepancies 5. False information, invalid claims of debt and faulty accounting reported to Bankruptcy courts and US Trustee for unapplied mortgage payments and commuting perjury in bankruptcy court 6. major discrepancies in the annual escrow state post bankruptcy petition in the amounts exceeding {$14000.00} and discrepancies between annual escrow statements, yearly closing statements to IRS , monthly statements, accounting statements 7. Submitting fraudulent default notice with invalid claims for payments paid post bankruptcy and unapplied and misapplied payments sent to mortgage company per our bank statements and financial records 8. Obtaining court order rulings without notice given to us by anyone including our bankruptcy attorneys demanding pay for unapplied mortgage payments thru false reports contradict Fraudulent accounting with willful intent to remove automatic stay protection of chapter XXXX 9. Willful intent to wrongfully foreclosure on our property by making it impossible to cure default even after sending funds per reinstatement amount demanded then withholding those funds, misapplied and unapplied amounts in order to cause default immediately demand the same payments again. This has occurred numerous times XXXX, XXXX, and XXXX As we have received no response from our bankruptcy attorney and us trustee to correct and invalidate the court order rulings that are based on false claims with faulty accounting which our bank statements prove and so does the accounting statements from ocwen PPH themselves show funding yet their attorneys are moving forward with these fraudulent unlawful activities.
Therefore have no option but to submit a claim to the federal government agencies to provide protection against Ocwen /PPH for willful intent take our home and only source of income as a XXXX XXXX XXXX of a vacation rental that my parents and I own and will render us homeless and jobless in addition to our XXXX and inability to care for my senior parents age XXXX Our federal modified HAMP loan fixed our mortgage payments principal and interest At {$1300.00} for 24 months post bankruptcy XX/XX/XXXX -present PPH own Accounting records, monthly statements and annual escrow statements shows suspension accounts withholding large amount of funds unapplied, partial mortgage payments applied instead of full payments and misapplied funds to escrow and fees exceeding {$14000.00}, funding and then reverse funding payments, collecting fees and manipulation of accounting as shown per records with discrepancies between claims to bankruptcy court, annual escrow statements XXXX XXXX and statements reported to IRS and the monthly statements and our bank records The XX/XX/XXXX XXXX order demanding 13 months unpaid months at is based on invalid claims of debt as the documents prove Payments funding account post bankruptcy exceeded {$45000.00} property tax $ 6600 yearly Insurance averages $ 1300 yearly Federal government thru HAMP granted us a fixed mortgage payment at {$1000.00} in XXXX to {$1300.00} post bankruptcy XX/XX/XXXX 2019
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| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Hi, I contacted PHH Mortgage XX/XX/XXXX, which is the holder of my mortgage. I wanted to do a refinance of my mortgage. I wanted to do a soft pull of my credit, however, I was advised by XXXX XXXX, that to get a real view of what can be done for me she would need to pull my credit so I agreed. She said my credit was good and she provided me with the rates and term of loan options available to me. I told her I wanted to call her right back after I checked with another company. I called XXXX back after about less than 1 hour and I was unable to reach her. I left a voicemail. I called XXXX again XX/XX/XXXX and sent an email. I sent another email to XXXX XX/XX/XXXX. After still no response from XXXX, I called PHH Mortgage and reached XXXX XXXX on XX/XX/XXXX. I forwarded XXXX the last email thread I sent to XXXX. The interest rate had gone up from the time I spoke with XXXX, so I told XXXX I would wait. But it appears XXXX also ran my credit because I received an email from him on XX/XX/XXXX XXXX, thanking me for my loan application. On XX/XX/XXXX I called again to PHH Mortgage to try to speak with XXXX or XXXX. XXXX XXXX sent a message to one of them that I needed a call back because I would like to proceed with my loan application. XXXX stated she could not assist me because she is not registered in the state my home is located and that she would have someone reach out to me. On XX/XX/XXXX XXXX, I reached out to XXXX that I had not received any call from anyone. On XX/XX/2020 XXXX I emailed XXXX XXXX XXXX still had not heard from anyone and if there was anyone that could help me. XXXX responded should could help but her Internet access was not working and she would reach out when she had access. On XX/XX/XXXX I called PHH Mortgage and spoke with XXXX XXXX. XXXX pulled my credit again. He advised I could probably get a refinance, he but he needed additional information regarding the loan feature on my XXXX XXXX credit card. I had to send him documentation regarding this feature and how it worked because it was something he had never heard of before. I emailed XXXX on XX/XX/XXXX requesting that he call me. It was difficult taking screenshots of the XXXX XXXX online page and sending it to him, I thought it would make more sense to send him a link so he can view the feature himself. I never received an email response. I then called PHH Mortgage on XX/XX/XXXX and tried to reach XXXX, initially the representative was unable to reach him, however, and when I suggested I would contact the Attorney General, XXXX was able to take my call. XXXX advised me he would need to pull my credit a 4th time. At this point I told him no, this would mean my credit would be pulled 4times within less than a 6 month period. I requested to speak with a manager. I called and left a voicemail and followed up on the same day with an email to XXXX XXXX. XXXX responded and said he would look into the matter and get back to me. I followed up with XXXX on XX/XX/XXXX. I received an email from XXXX XXXX on XX/XX/XXXX stating XXXX XXXX would be reaching out to me. XXXX XXXX called me, ran my credit and advised I PHH could not refinance my mortgage! How is this possible after the multiple times my credit was pulled, the rates and terms that were provided to me? I emailed XXXX XXXX about the discussion XXXX XXXX and I had. I explained to him how the other representatives pulled my credit and told me they could assist me with refinancing. All he did was apologize. Why would they do this if this could not be done? Why was my credit pulled so many times in a 6 month period? I spend a lot of time guarding my credit and PHH Mortgage may have set me back many points because of their possible Fair House Act failures. Is it possible corrections can be made to my credit from their inability to have properly trained individuals pulling my credit?
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| 03/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am submitting a complaint against Ocwen Loan Servicing LLC based in XXXX and XXXX Florida. I believe RESPA has been violated in several different ways at this point. On XX/XX/XXXX we received an Intent to Foreclose Notice from Ocwen notifying us that if our account was no brought current by XX/XX/XXXX we would be in default. The breakdown of the Monies were : Principal and Interest : {$2900.00} Interest Arrearage : {$0.00} Escrow : {$1500.00} Late Charges : {$2900.00} Insufficient Funds Charge : {$80.00} Fees/Expenses : {$13.00} Suspense Balance : {$0.00} Interest Reserve Balance : {$0.00} Total Due : {$7500.00} ( with late charges, etc ) On XX/XX/XXXX and XX/XX/XXXX Ocwen was paid each time {$2200.00} to total XXXX. This was the XX/XX/XXXX payment and the XX/XX/XXXX payment, and the amount of mortgage payments/monies due according to the XX/XX/XXXX Intent to Foreclosure notice that was mailed to us. These monies did not include late fees, as I had spoken previously to a customer service representative about late fees in the past, and after much upset she assured me that late fees could be resolved at the " end of mortgage ''. I work in a XXXX and took an XXXX pension loan to satisfy this default. We paid both payments, XXXX and XXXX through phone pay system and went about our business. We made another payment XX/XX/XXXX for the XX/XX/XXXX payment. Finally, thinking we are now on track and all is well. We had no mortgage statement sent to us in XX/XX/XXXX or notice that anything was amiss. Nor were we notified that late payments had been assessed. In XXXX, we then receive a notice from Ocwen stating we are late with our XXXX payment and a late fee has been assessed. Our XX/XX/XXXX payment was applied to our XXXX mortgage they state when I call Ocwen. I am first sent to someone I can not understand in XXXX. I request US only representative and am told all of this. I explain there is an error since payments were made per the requested amount per " Intent to Foreclose '' notice and then the subsequent payment made XX/XX/XXXX. I told by the first representative that she can not get past the first part of my account and then sent to a Mortgage Escalator who tries to tell me the same.
In XX/XX/XXXX we receive an Escrow Notice that we have an Escrow Shortage anticipated for the next year and we are informed our NEW PAYMENT starting XX/XX/XXXX will be in the amount of XXXX. I receive the Escrow payments anticipated with the notice. The cushion is to be XXXX for the upcoming year.
When we receive notice in XX/XX/XXXX that our XXXX payment is late?? ... We have an obscene amount of money that we owe : {$2400.00} is now DUE????? Mind you our payment has been {$2200.00} the entire year!! Our new payment is not to begin until XX/XX/XXXX. So..WHY DO WE OWE {$2400.00} for a supposed missed payment in XX/XX/XXXX??? This is is clearly an ERROR!
I sent a complaint to the BBB about this and the response that I recieved back from OCWEN from XXXX ( Consumer Analyst Office of Ombudsman ) writes that we were sent an additional Notice of Escrow thereafter the original notice for XX/XX/XXXX and XX/XX/XXXX??? She did not, however include this with the other evidence of letters sent by OCWEN during XX/XX/XXXX-XX/XX/XXXX.
At this point, I feel many violations have occurred by OCWEN. My husband and I have experienced hardship for some time. My husband works as a XXXX and due to the state of the economy has had a difficult time making a living. He has been XXXX form much of the almost 19 years we have owned this home. Not until recently did he gain employment with a XXXX and is able to make ends meet. He began this employment XX/XX/XXXX. We have had financial hardship for a long time. We need real help from someone on the Consumers side. I feel strongly there have been several errrors and violations of RESPA by Ocwen.
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| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I contacted PHH mortgage numerous times to correct the anticipated tax disbursements for XXXX. This information needed to be corrected for my escrow. My escrow should be calculated on a total tax of {$7200.00}. For starters, PHH had the disbursements wrong, which could have negatively impacted my escrow. The original disbursements they had were for {$1800.00} in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. They modeled this strictly from the payments they made in XXXX, which were lopsided, due to my not being allowed to have a homeowners exemption this year. I just purchased the house last XX/XX/XXXX, which had both homeowners and senior exemptions for XXXX. I was paying an anticipated {$8900.00} into escrow for taxes based on the XXXX taxes without exemptions. Therefore my property taxes actually decreased. Taxes for my county are always paid a year in arrears.
The way my county operates, you pay 55 % of the previous total tax bill in XXXX, then you pay the remainder in XXXX or XXXX. That is when exemptions are applied, or in my case taken away. I have had to contact this company numerous times about my tax payments, as they were going to send the wrong amounts for both payments. In both cases in XXXX, then again in XXXX, I had to send them a copy of my tax bill and tell them to pay the correct amount. On top of that, I was charged a {$7.00} fee for doing so. This is something they were messing up. I should not have to pay a fee for their screw ups.
PHH only corrected my first disbursement, but left my second disbursement at {$5300.00}. Even though my total tax is stated in my account and on my tax bill to be {$7200.00}. So, on XX/XX/XXXX, I faxed a letter to the tax department stating that the first disbursement should be {$3900.00} and the second should be {$3200.00}. I also faxed the tax bill and circled on the tax bill the total tax of {$7200.00}.
Based on an email I received on XX/XX/XXXX, PHH stated that they corrected the first disbursement payment and sent it to escrow for my escrow analysis. What they sent to escrow was a first payment of {$3900.00} and a second payment of {$5300.00}, leading the escrow department to supply a statement on XX/XX/XXXX increasing my escrow based on approximately {$9300.00} in estimated taxes. I have already been paying {$8900.00} into escrow for taxes that ended up being {$7200.00}. So my payment should not go up. My taxes are not going to increase $ XXXX, and escrow is supposed to be based on total tax on the tax bills. Also, I did not get the message in my account that this happened until XX/XX/XXXX.
On XX/XX/XXXX, I also sent a letter to the escrow dept stating that my escrow for taxes should go down to {$600.00} a month from the {$740.00} that I have been paying. Again this is based on my taxes being {$7200.00} and not {$8900.00}. I have tax bills that say {$7200.00}!
I have asked numerous times to be allowed to communicate with the tax and escrow departments. I am always brushed off. I was supposedly sent to an escalation manager, but my emails were never answered promptly and my letters were apparently ignored. I spelled out the monetary details with bills very clearly.
If this does not get fixed and its been over a month now, I will have to look into refinancing my house at a higher rate just to get away from this mortgage servicer. I have already talked to other lenders who confirm that PHH is not calculating my escrow appropriately and need to calculate it according to my last known total tax which is {$7200.00}, and what was paid out. My estimated tax is not {$9300.00}!
One last complaint, I was on the phone with a PHH rep back in XXXX who was in the park. I could hear he was outside, and I asked him where he was. I let him know I was concerned about the security of our phone call and my information with him being outside in the park.
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| 04/17/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am writing once again to ask your help and assistance with the mortgage I have with your company. My original correspondence to you was on XX/XX/XXXX which resulted in no formidable resolution to my issue.
I have a variety of ongoing issues with my mortgage and have tried multiple times to get them resolved once and for all most recently with XXXX XXXX XXXX and once again I have reached ends with no resolution.
I fell behind in XX/XX/XXXX due to implications from XXXX XXXX. When I called Ocwen to seek some type of resolution I was transferred to XXXX of your employees in XXXX who told me he would put me on a Forebearance Plan which was being offered to mortgage holders with hardships due to the storm. I never received any paperwork to sign regarding this and was simply told over the phone that I would not have to make payments for 3 months and that after that my payments would be higher for a few months. I agreed to this verbally and when it came to resume payments Ocwen would not accept payments from me because my account now was delinquent and I defaulted by not making payments for three months.
I have called Ocwen many times and at a certain point had it noted on my account that I only wish to speak with representatives from the US. I was assigned to a relationship manager, XXXX XXXX who told me that Ocwen has ways to help me keep my home and that she will email me the necessary information for a modification. I filled out the paperwork, faxed in all the required information and after a while was informed that I was not eligible for a modification but instead a deed in lieu of foreclosure As I was not satisfied with this, XXXX XXXX directed me to the Make Home Affordable Program. After once again filling out paperwork and many telephone calls I was told that this organization could not help me either.
I once again submitted an application for a modification with Ocwen which I believe is still pending. The last time I spoke with XXXX XXXX was XX/XX/XXXX at which time she stated that Ocwen does not offer forebearance plans, and I must be confused. I obtained my payment history online and it has 3 months of payments listed as forebearance payments. At the same time, XXXX XXXX also stated that she needed income documents and other information that I had already submitted with my previous application. I asked her to pull my file and she said that there was no documentation there, which in fact I know that it was sent in with the XXXX application.
I have tried to make payments since the beginning of this fiasco and have been told that Ocwen will not accept my payments unless I pay the entire past due payments in full ( now in excess of {$40.00}, ,000.00 ) The only response I get is that I should apply for a loan modification and that Ocwen offers many programs that will help me keep my home. I continually receive letters stating the outstanding balance on my account which I am aware of, but can not pay the full amount.
At this point, I am more than frustrated. I do not want to lose my home. I have tried diligently to get some sort of workout plan such as HAMP, and was declined for any workout assistance because I was told my business income was too low ( I am self employed ) To show how serious I am about saving my home, I actually had to lay off employees and have taken over their hours. This has increased my monthly business income by approximately {$2500.00}. I have made a few other business changes as well to increase my income but I have been continually told that I am not eligible for a modification but rather a " deed in lieu of foreclosure '' or a " short sale '' All I want is a fair chance to keep my home and pay my monthly mortgage payments I know that I owe a lot of money, but it is because I have not been allowed to make any payments I continually get the run around from Ocwen.
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| 05/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ocwen is in violation of UDAAP-Unfair Deceptive Abusive Acts & Practices. They bought our lo an and reassured us a number or times that our past taxes would be included in the new modified loan amount. They also went as far to say that the only way the payment would go up was if our property taxes went up. We have a 23 year fixed loan on a Shared Loan Modification plan with Ocwen. F or the first year our payment stayed the same as it should because its a fixed loan. The follo wing 3+ years our payment went up more than {$850.00} a month. Upon further investigation we found that a ) they were charging us for taxes that were previously collected by our prior lender thus double dipping, & b ) they are also charging us for taxes that they told us several times would be included in the new loan amount, we have proof.
This has caused us substantial monetary injury due to this unfair practice. Ocwen has notified us ( we have proof ) that it will contin ue to go up, thus eventually forcing us out of our home which we believe was their end game to begin with. We could not avoid this injury since the material information about the pricing was modified and or withheld after we committed to the purchasing of the product therefore unable to avoid the injury. Ocwen also charged us f or XXXX property inspections totalling {$180.00} and XXXX valuations totalling {$650.00} for a grand total of {$840.00}. An Ocwen rep resentative sent us the paperwork with all of this information on it when we complained about not receiving a copy of our appraisal for over a year. We had to file a complaint with the CFPB in 2015 to legally get a copy of our appraisal from Ocwen. Upon further investigation of the Ocwen sent document we noticed that they applied our first 3 mortgage payments but then reversed the last payment as if they never received it. So it appears as if we only made 2 payments when we ma de three. This amount is {$3600.00}. Since I started this letter Ocwen has credited us for the misplaced payment but still owes us lates fees and interest they charged us for th e four years that THEY lost our payment and want this money back! OCWEN told us that they would open a ticket and look into this that was 60 days ago with no further contact. At the time this was going on Ocwen was being su ed in Federal Court. We found this out after the fact or we would of put in a claim for fraudulent fee charges. To rectify this matter this is what needs to happe n. Ocwen will refund us for the following in the form of a check 1. ) {$180.00} -- f or the XXXX inspections XXXX -- for the XXXX evaluations -- totaling & XXXX . We want a check issued to us. They have charged us more than this on a monthly bassi on a fixed loan for the last 3 years considering they have fraudulently increased our payment now {$850.00} a MONTH! We work hard for our money and want it back 2. ) Regarding the misapplied mtg. amt. of {$3600.00} that was just applied to our loan .- and was lost for 4 years we want all late fees and interest that we paid on an inaccurate balance credited back to us. We more interest for 4 years on a payment they lost. We want detailed notarized proof. 3. ) Regarding property taxes ; we had an escrow account with our past lender and now Ocwen is telling us we owe them for those taxes. That is double dipping and illegal but they are doing it knowing that the only option we have is to pay it or go back into Foreclosure which is their end game we believe. There are also past taxes that we were assured several times from Ocwen that would be included in the new loan, their paperwork even says this and they are hitting u s for those as well. By our accounting and a third party would need to check this. They owe us {$14000.00} approx. Grand t otal {$16000.00} and we want a refund
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| 12/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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On their denied letter they do not give me specific number that they say we do not have enough income, we did resubmit the loan modification with more income.
I did dispute the denied loan mod and the lender ignore my request and continued foreclosure on my property. we resubmit the loan modification again on XX/XX/XXXX, eleven days before the sale date but lender Ocwen continued foreclosure on my property.
I send the Demand Under FDCPA and request Immediate Stay of Sale to Ocwen Loan Servicing , LLC . They completely ignored to answer all my questions and continue foreclosure on my house.
I did resubmit the loan modification email and fax to OCWEN on XX/XX/XXXX, 11 business days before the scheduled foreclosure sale date : XX/XX/XXXX. On Ocwen Loan Servicing , LLC Request for Mortgage Assistance / Hardship Affidavit : Dear Borrower, If you are facing financial difficulties, you are not alone. We are here to help you.
No matter what your situation, you may have options. We offer multiple solutions to help you through difficult times, including, but not limited to, the Home Affordable Modification Program ( HAMP ) and Home Affordable Foreclosure Alternative Program ( HAFA ).
We also offer our own modification options and foreclosure alternatives. Please note, the options available to you may vary due to the requirements of the owner of your loan.
The table below outlines the variety of solutions available. We encourage you to complete and return the enclosed Request for Mortgage Assistance ( RMA ) / Hardship Affidavit application.
The sooner you apply, the sooner we can help.
If Your Loan is in Foreclosure A Complete Application includes all required forms and ALL requested documentation.
NOTE TO BORROWERS WITH A FORECLOSURE SALE SCHEDULED IN THE NEXT 37 DAYS : If we receive your Complete Application for modification* at least XXXX business days before a scheduled foreclosure sale date, we will not complete the foreclosure action until we review and decision your application.
But Ocwen continued foreclosure my house. The New Mortgage Foreclosure Laws that take effect XX/XX/XXXX : 2. Review of Foreclosure Documents ( Civil Code 2924.17 ) Before commencing foreclosure, a mortgage servicer is required to review competent and reliable evidence to substantiate the borrower 's default and its right to foreclose. In addition, every recorded declaration, affidavit, NOD, NOS, assignment, and substitution of trustee must be accurate and complete, and supported by competent and reliable evidence. This provision does not sunset.
3. Prohibition on Dual Tracking ( Civil Code 2923.55, 2923.6 ( Section 7 ) and 2924.11 ( Section 14 ) ) A mortgage servicer is prohibited from commencing or continuing the foreclosure process while a completed loan modification application submitted by a borrower is pending, until ( 1 ) the mortgage servicer makes a written determination that the borrower is not eligible for a loan modification and any appeal period has expired ; ( 2 ) the borrower does not accept a loan modification offer within 14 days of the offer ; or ( 3 ) the borrower accepts a loan modification offer, but defaults or breaches the terms.
Additionally, a mortgage servicer is prohibited from commencing or continuing the foreclosure process if a borrower is in compliance with the terms of an approved foreclosure prevention alternative, or if a foreclosure prevention alternative has been approved by all parties and proof of financing has been provided to the servicer.
4. Damages ( Civil Code 2924.19 ) Prior to a trustee 's sale, a borrower may bring an injunctive action against a mortgage servicer for a material violation of Civil Code Sections 2923.5 ( borrower outreach and declaration of contact or due diligence ), 2924.17 ( review of foreclosure documents ), or 2924.18 ( dual track prohibition )
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| 07/02/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My problem is with Ocwen Loan servicing ...
We are attempting to pay off our loan. The loan will come to maturity on XXXX/XXXX/XXXX. We received a BALLOON LETTER in XX/XX/XXXX from Ocwen stating our loan will mature XX/XX/XXXX and Ocwen would not accept payments after that time. I requested a payoff quote, the quote came back stating we owed {$44000.00}. The information we continue to receive verbally and in written form is incorrect. Ocwen is claiming after paying 30 years on a 9.5 % FIXED rate FHA loan, original principle balance {$60000.00}, after 30 yrs we still owe $ XXXX. Details : We purchased our home in XXXX XXXX from XXXX XXXX co loan amount {$60000.00} thru XXXX XXXX. This was a 30 yr FHA loan 9.5 % fixed rate. After about 7yrs with XXXX XXXX ( {$500.00} monthly mortgage payment ), husband lost his job we got behind, HUD stepped in. For 4yrs we made payments to U.S Department of HUD Loan MGMT ( {$630.00} a month x 4yrs ). On XXXX/XXXX/XXXX the loan was bought or given to Ocwen. Ocwen took over the loan XXXX/XXXX/XXXX. They showed my beginning balance as {$60000.00} which was incorrect. We had been making payment between XXXX XXXX and HUD for 10 yrs. There were no record of those payments. Ten years of paid principal and interest unaccounted for. It seems Ocwen is only giving us credit for the 20 yrs they held the loan instead of the 30 years we have paid. Owen figures are not taking into consideration 10 yrs of prior payments. On XXXX/XXXX/XXXX Ocwen sent us an amortization report showing a breakdown of principle and interest and the projected application of both. Ocwen is not in line with their own report. On XXXX/XXXX/XXXX Ocwen sent a report with a breakdown of payment received and how applied. This report only reflected payments since they took the loan XXXX/XXXX/XXXX. If their beginning balance was incorrect, payment applied toward the principle and interest since Ocwen obtained the loan is incorrect. I was told 4 or 5 ys ago by Ocwen that we were current with our mortgage payment and we no longer needed to be on the forbearance plan. Our payment was reduced from {$730.00} month, to {$700.00} a month. I inquired if the new adjusted payment would be enough to pay off the loan at maturity I was told it would w/the exception an arrearage balance of aprox {$9000.00}. A couple of years ago, I called Ocwen to check the balance still owed ( not receiving monthly statements for yrs ). I was told by Ocwen our aprox bal. due was $ XXXX. On several occasions I disputed that amount. And now about 1 1/2 months before the maturity date, we owe $ XXXX. On XXXX/XXXX/XXXX. I " SCHEDULED '' phone call with my relationship manages, we got nowhere. I had requested the research department to research and give an account of the 10 yrs of missing payment. I did not receive what I had requested. When speaking to the research department I was first told the amount turned over to them was $ XXXX. I reminded the person that I had the Deed of Trust in my hand, later said he made a mistake the balance received was XXXX. He also said per the records they received from HUD it showed we had not made a payment since XX/XX/XXXX. There is no way we could live in our home for 3 yrs and not have paid anything. Ocwen 's records are incomplete and incorrect. We are asking that you look into our dispute/complaint and have Ocwen acknowledge and include the addition 10 yrs of credit not accounted for and to make sure payments were correctly applied to Principle/escrow and interest correctly. I requested payment reconciliation from the origination of the loan in XX/XX/XXXX until now. I feel the majority our money went toward interest ( that we did not owe ) and not disbursed according to the amortization guide they provide in XX/XX/XXXX. We need a correct pay off quote.. We are current on our payment. Can you help us?
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| 03/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have had issues since 2008 when I refinanced my house with Indymac. The day I was approved was the day I was laid off and I told them that but they said they did not care. One thing lead to another and I got behind. I went to Credit counseling and continued to try to work with the agency but they were no help and I kept getting behind in other things to try to pay the mortgage. I tried to file a complaint and then they stated they became XXXX XXXX and could not take the complaint. In order to get assistance I had to not pay my mortgage for three months. I did that and it got worse which then lead to seeking to obtain a " cram down '' with a Chapter XXXX. The bank did not budge and would not do the principal reduction. They valued the home at {$110.00} and I owed about {$280.00}. I changed the bankruptcy to a XXXX since they would not do the cram down and the loan was discharged but I said I wanted to keep the home and not foreclose. Once the bankruptcy was over I could not find my loan on line anymore and when I called they said they did not have it and it was foreclosed, it was not foreclosed. Months went by and I then got information from Ocwen Loan stating they took over but in order to restart paying I had to pay a large amount, they would not take any payment except the lump sum that was behind. They continued to call me with a different person every time that did not know anything and often contradicted the other person. The offers they made me were to increase the interest, extend the loan to 40 years and reduce the payment a little. I advised them it was ridiculous since it was value so low but they told me to just worry about now and the payment, not the future. This went on with no foreclosure paperwork, then they finally served me. A few times I received paperwork that I failed to do my modification that I never did. It was an endless game that I was not going to win. I continued to maintain the home and had renters in it when they finally served foreclosure paperwork. I spoke to an attorney and told them everything and they stated there was alot of misrepresentation but it would cost me {$8000.00} and no guarantee that he could reduce the principal. The court went on and I began getting lots of scam things in the mail. One was from XXXX which I ignored but I went to the final court case and they were there to advise the court of how I did not comply. I asked who they were and they said they represent FHA. The judge ordered a sale date and I advised her this was discharged in the bankruptcy and she stated she would note it. I had told the renters they did not have to pay but would have to leave when the court advises me. The sale date came, there were offers and XXXX closed it in a few hours and it was sold to them which seemed weird. I got no notice at all and was keeping up on the court website. The renters were not very cooperative at that point so I wanted to wait until I got notice and I was going to go clean out the minor personal items I had left, one being the tools from my deceased father, old albums, and some household goods. I never got any notice and finally spoke to the renter and they said the gave them notice of three days and they worked it out with them but the house had been stripped and XXXX XXXX had a lock on the door. I was floored. The house is now on the market for {$140000.00}, way below what I was expecting them to cram it down. I would like something to be done about the scams that are being done, they did not try to help me at all. Now they have sent me a XXXX for the difference. My credit was excellent prior to this, I always paid on time before I began to seek help and this is how I get treated. I am so burned out and went through so much that it has taken me so long to complain. I also am at the point that I just had to let go. Is there any recourse?
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| 08/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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Ocwen Servicing does not own our loan. They have collected our payments for yeas, but have added thousands in fees, and restructured our loan to charge us interest on interest. They have continually lied to us, sending letters that state " the investors wo n't allow HAMP modification or principal reductions, however, within the same investor trust records, many other loans are documented to have received principal reductions. The only document showing any assignment of our mortgage filed is completely fraudulent, it is filed several years after the pooling agreement for the trust closed. This document filed in our county records was falsely and maliciously prepared and was signed by an Ocwen employee, previously with GMAC, named XXXX XXXX, this " XXXX something year old '' signed as the Vice President of MERS using a completely fake MERS corp stamp. This stamp was used by many " Vice Presidents of MERS '' during their robosigning reign. XXXX XXXX XXXX in her lustrous career as Vice President for a National corporation, did n't even bother to pay the reported {$25.00} fee for the actual stamp with which to create fraudulent documents and file them in the county of our home, In addition, this same document is notarized by XXXX XXXX, who has had her notary privileges permanently revoked because of her misuse of her role also and in the criminal deception of homeowners documents for their corporate greed. We the homeowners, have built a life in our home with our children, go to work everyday, took care of each other and our home since we bought it in 2004. We took out loans that we still pay on to put on a new roof, heating and air units, hot water heater, carpeting, treat termites etc that have come up over the years. It appears during these same years Ocwen collected payments and paid investors, all though the trust shows the investment is paid in full. Ocwen restructured our loan insisting the investors would not allow a principal reduction, instead they added the interest we became behind on and are now charging us interest on the interest among hundreds of other fees, last month the charged use for a title report {$250.00}, HAMP reports among many other incentives they offer to have mortgage companies help their customers, they pay up to {$250.00} for a title report, so lucky Ocwen they get paid by their customer and by the government. We tried to get help through what we thought was a reputable attorney, XXXX XXXX in California, XXXX.His representatives told us, " oh yes, you qualify for our case, for {$5000.00} we will take Ocwen to court with hundreds of others they have wronged '' ( mass joiner scheme ), We were assured the outcome was all the wrongful things Ocwen did would be brought to light in court and we would end up with a 2 % loan and a large principal reduction. It didnt seem far fetched considering CFPB had basically assured the same thing when they met with the Attorney Generals of 50 states over the improprieties Ocwen had commited to so many people, illegal acts that they have not been charged for that are harming so many families.The mass joiner lawsuit supposedly filed and lost and appealed and lost took years, meanwhile we were not allowed to talk directly with our servicer Ocwen. Not one single person called, emailed, sent a letter, NOTHING about the case we filed with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in months and now we find out its over, we now owe over {$50000.00} IN BACK PAYMENTS AND STARTING FORECLOSURE. Suddenly now Ocwen is flooding us with bills letters, foreclosure paperwork simultaneously with HAMP modification approval and trial payment schedule. I have tried for 3 days, XXXX, XXXX XXXX, etc and Ocwen wo n't let the payment go through before the deadline, they gave us an EXACT amount to pay and the payment is kicked back, stating its the wrong amount.
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| 06/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I became delinquent on my loan with Ocwen when I lost my job of 8 years, they would not take me back after XXXX XXXX. I contacted Ocwen as soon as possible and tried to apply for a Loan Modification and see how they could help. 6 months+ later after sending paperwork several times ( because they always said something was missing or they took so long to answer that by the time they did the application was expired and I had to turn a new one in ) they told me they denied the modification but could not explain why. I asked them for options as I wanted to keep my home and by that time I was working again and they offered a repayment plan to which I agreed to only to be told during the same phone call that since I was back working I could apply for a Modification again. I told then I did n't wan na be behind on my payments any more than I already was because it was quite a sum, but they assured me that it was the best thing to do and I like an XXXX accepted. Mainly cause money was tight and under their repayment plan I 'd have to pay $ 3200+ a month which was quite a lot. Fast forward another 6months plus and I still am waiting for an answer about the modification because AGAIN they keep giving me the run around ( lost paperwork, incomplete, ilegible/send it again, etc ) and each time they ask me to resend something it takes them 30 days to review only to tell me they are still missing something. And the only people who can supposedly help you when you call their XXXX number is the relationship manager who handles your case but is never available when you call so you have to set up anappointment for them to call you sometimes weeks later. The kicker is that sometimes they call and others they do n't so you are left waiting for an aswer forever. Now the sum I owe has doubled and I will have to work wonders to get on a repayment plan if they deny my Loan Modification request and I want to keep my home. I read all these reviews on this page about how wonderful they are and how they have helped all these people and I ca n't help it but think that they 're fake because my experience has been totally the opposite. The only good thing I can say about them is that they are polite over the phone. I am at my witts end with this company and live in fear of going into a foreclosure every month. I even received a foreclosure letter from an attorney and when I asked Ocwen they said to not worry because it was a pre foreclosure one. I submitted a complaint to Consumer Affairs and Ocwen responded only to tell me they had done nothing wrong and to just keep waiting ANOTHER 30 days or longer to receive a response as to whether the application was denied or approved. Before this I had called repeatedly during the course of the year to ask them how much longer it would take and if they could just tell me whether they would approve or deny me so I can start repaying the loan. They would just say every time we can not it takes 7-10 business days for our review team to tell you which would turn into 30 days only to find out by me having to call that some document was missing AGAIN. I was at my wits end and having health problems due to the XXXX that this company has caused me and after a long wait they finally send me a letter, yes! 30 days after submitting a patsy they made me submit 4 times!! telling me I am denied for a loan modification again. Even though my income has increased significantly and they do n't even list the reason why it was denied. This company knew what they were doing from the beginning, they just wanted me to wait giving me the run around and wait until I owe so much that I ca n't pay and the come and take my house from me. A loan modification process should not take over a year to complete. They intentionally dragged it this far because they know my house is worth a lot in the market right now.
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| 07/05/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX, my wife and I took a home equity loan of approximately {$130000.00} through XXXX XXXX. We XXXX clearly remember being told that after XXXX years, the loan would convert from a variable-rate, interest-only loan to a 30-year fixed rate, fully amortized loan. During closing, we were rushed through the process and encouraged to sign a large number of documents without the opportunity to fully read and understand them. Several years later, the loan was sold to another company, Ocwen. We have made all payments over the XXXX years in a timely fashion.
In XX/XX/XXXX, we were informed by Ocwen that a balloon payment of approximately {$130000.00} was due on XXXX XXXX. We were shocked and devastated. We are XXXX seniors ( I am XXXX ) and unable to make this balloon payment. I asked for a copy of the loan document and it said that a balloon payment would be due after XXXX years.
I began discussions with Ocwen, seeking a loan modification. I spoke with a XXXX XXXX, who was identified as our " relationship specialist, '' and after describing the problem, he told us there was nothing he could do for us. I next spoke to his supervisor, a XXXX XXXX, who was much more accommodatiing. Once he realized that our problem was not making the monthly but rather making the balloon payment, he advised us to complete a " request for loan modification '' document and to send it to him. My wife and I were both on the line at the time when he clearly told us that, in the case of an inability to make a balloon payment, in nearly every case the loan would be modified to a XXXX-year, fixed rate, fully amortized loan. He sounded very knowledgeable and confident in this regard. He encouraged us to keep in touch with him after the loan modification papers were submitted.
On XXXX XXXX, we received XXXX via XXXX mail XXXX a denial of our request. The document stated that we were being denied because we had the ability to make our monthly payment. We were stunned. We knew ( and admitted ) that we could make the monthly payment on the loan, but we had submitted our request for loan modification based on the fact that we could not make the BALLOON payment. I immediately called XXXX XXXX. He was unavailable, but I was promised a callback within XXXX hours. When I did not receive a callback, I submitted an appeal ( via email ) to Ocwen 's Escalated Cases unit. In that email, I emphasized our inability to make the balloon payment. I restated our ability to make the monthly payment, and I asked that our case be reevaluated based on our inability to make the balloon payment.
On XXXX XXXX, we received an email from XXXX XXXX denying our appeal based on the same criteria our original request was previously denied : That we were able to make the monthly payment on the loan. It was as if no one had even bothered to read the appeal to the Escalated Cases unit. I immediately called supervisor XXXX and was again told that he was unavailable. I was promised a callback within XXXX hours. To date, I have received no such phone call. I then sent an email back to the Escalated Cases unit and XXXX XXXX in yet another attempt to get Ocwen to be responsive to our problem. I have not yet received a response to that email.
I seems no one at Ocwen XXXX except XXXX XXXX - whose ID number is XXXX ) seems to understand - or even wants to understand our dilemma. We feel threatened with foreclosure on our home which would be devastating. As XXXX, we have limited options in that regard. To make matters worse, we were forced to file a bankruptcy XXXX years ago, and we were unable to find anyone to refinance this loan.
I have found that Ocwen has quite a history of questionable dealings with consumers, many of which have been reported to the CFPB. Please intercede on our behalf in resolving this issue which is so critical to us. Many thanks!
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| 07/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan Servicing , LLC is continuing the misconduct that was the subject of the federal complaint and Consent Judgment against them. My loan that was serviced by Litton Loan Servicing before its acquisition by Ocwen, had an unexplained inflated balance when I tried to attain loan modification in XXXX after I became delinquent on my mortgage as a result of a XXXX diagnosis which necessitated XXXX surgery and a lengthy recovery. Ocwen played games in the processing of the loan modification by saying after having acknowledged receipt of a complete loan modification package that documents that had been submitted were mysteriously missing and needed to be resubmitted in order for the loan modification to proceed. After months of playing the delay game with the modification processing which only extended the delinquency and resulting costs, Ocwen finally proffered a loan modification for my acceptance which included an inexplicably inflated principal balance and the addition to my loan of a balloon payment at the end of the loan despite the fact that my loan never had a balloon payment requirement. The inflated principal balance that Ocwen maintained was still due on the account was almost {$5000.00} more than what the balance should have been for the loan according to the loans amortization schedule, especially because the loan was never delinquent or in default before XXXX XXXX XXXX precipitated delinquency. Ocwen when I confronted them with my discovery of the inflated principal balance, they took the position that I was liable for the erroneous principal balance since I did not contest within 30 days the inflated balance represented in a XXXX letter sent to me notifying me of the transfer of servicing from Litton to Ocwen after Ocwen acquired Litton. The principal balance as reflected in the notice was already {$4000.00} more than it should have been when compared to the loans amortization schedule. Ocwen refused to provide justification for the inflated balance and they also refused to correct it. As a result, I could not accept the loan modification which I desperately needed because me signing the agreement with the inflated principal balance would have legally constituted my acceptance of the inflated balance as valid. Ocwen insisted that if I did not accept the unjustifiably inflated principal balance and the loan modification that I would surely face foreclosure. They engaged in a highly exploitative extortion by threatening that I either accept their fraudulent account balance or else I would lose my home to foreclosure. Because of their accounting misconduct, I was denied the loan modification I was qualified for under the law.
Fortunately, because of a XXXX insurance, I was able to later bring the loan current by paying all of my missed payments along with penalties, additional interest and costs related to the Ocwen-extended default, and then Ocwen reinstated the loan. The inflated principal remained uncorrected by Ocwen. I made all of my remaining payments as required until my final scheduled payment due XXXX XXXX, XXXX. At that time I maintain that I had made all of my XXXX payments on the loan as agreed in the terms of the promissory note, and in fact I had paid well in excess of what the note required when factoring in the additional interest, penalties and costs arising from the XXXX default. I have refused to make any more payments because I have fulfilled my obligations according to the promissory note and the loan has been fully repaid. Ocwen has refused to provide justification for the inflated balance, and they not surprisingly have also refused to record a satisfaction of mortgage. They are now threatening foreclosure.
Please help as Ocwen is continuing the very accounting misconduct that was the subject of the CFPB federal action and Consent Judgment against them.
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| 07/15/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The letter dated XX/XX/XXXX that was uploaded to the Consumer Financial Protection Bureaus ( CFPB ) website on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX c/o PHH Mortgage Services ( PHH ), Ocwen Financial Corp. and Ocwen Loan Servicing, LLC ( hereafter collectively referred to as " Ocwen '' ) displays the foregoing parties continued and willful engagement in unfair, deceptive and unlawful debt collection practices in violation of the consent judgments entered on XX/XX/XXXX and XX/XX/XXXX in the U.S. District Court for the District of Columbia under Cas No.s 1:13-cv-02025-RMC and 1:18-cv-00009-TFH, and false statements to a Federal Agency in violation of 18 U.S.C. section 1001.
In particular, the foregoing parties continue to falsely declare that I defaulted by not making a payment due for XX/XX/XXXX which contradicts the statements made by Ocwen 's affiliate company and predecessor upon commencing foreclosure for the same transaction by complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX wherein the default is declared as of XX/XX/XXXX and no payments were made for the months following and through XX/XX/XXXX. Furthermore, the foregoing parties continue to conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor.
Lastly, the foregoing parties refuse to comply with my request and demands made pursuant to 15 U.S.C. 1962 ( g ), 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq., and 15 U.S.C. 7021 ( f ), by omitting and failing to forward the following : Proof and validation as to the existence of the XXXX XXXX XXXXXXXX XXXX XXXX.
The original loan application and file in its entirety.
Date the subject account became payable.
Certified, true and correct copy of the of the Notice of New Creditor sent to me by the creditor or the latters authorized agent ( s ) that you claim is legally entitled monies for the disputed debt as required by 15 U.S.C. 1641 ( g ).
Date of default and acceleration ( if applicable ) for the subject account.
Certified, true and complete accounting for the subject account from the first payment applied to present date.
Certified, true, complete and itemized statement of any and all arrearages including each month in which the alleged default occurred, and the amount of each monthly default for the disputed account.
Complete and itemized statement of any late charges to this disputed account from the origination date to present date.
Complete and itemized statement from the origination date to the present for any fees incurred to modify, extend, or amend the disputed account or to defer any payment due under the terms of the disputed account.
Current amount needed to pay-off the subject account in full.
Current amount needed to reinstate the subject account in full, if it is not current.
Certified, true, complete and itemized statement of all advances or charges against the subject account applied for any purpose.
Certified, true, complete and itemized statement of the escrow account for the subject account, if any, from the inception of the subject account to the date of this letter, including, but not limited to, any receipts or disbursements with respect to real estate property taxes, fire or hazard insurance, flood insurance, mortgage insurance, credit insurance, or any other insurance product.
The names and addresses for the certificate holders for XXXX XXXX XXXX claiming ownership rights to repayment of the subject account number.
A certified true and correct Authoritative Copy of the transferable record assigned MIN XXXX and made part of the above referenced account number in dispute, as required upon demand made pursuant to 15 U.S.C. 7021 ( f ).
Proof of mailing denial of modification letter dated XX/XX/XXXX.
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| 03/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom It May Concern, Our Mortgage Note was established pre Recession in XX/XX/XXXX, has now been sold several times and is currently with OCWEN. As homeowner, Authorized Signer and our Attorney, we have pro-actively been, and especially so over the last several months, been making effort to communicate with OCWEN and execute controllables in good faith towards rewriting this loan as we wish to save and stay in our home.
Per their request, in order to validate and support our efforts and intentions, we have consistently provided OCWEN with income statements, reasons for hardship notes, real and present property value determinations post XX/XX/XXXX Great Recession, the impact on our household employment and income, verified through multiple channels the significant decrease in real estate values at a national level and certainly including ours, state and county tax information, comparables, property information for similar properties in our area attained through professional Real Estate Agents all respectively, then submitted to OCWEN.
In and around XX/XX/XXXX, OCWEN and the assigned Relationship Manager, after having received and reviewed, made a verbal offer in direct conversations to both our Attorney as well as us directly that included an immediate Principal Reduction ( over 550k, later confirmed in writing, and waiver of any Trial Period ). OCWEN cited that no additional documentation would be needed and that they would be forwarding us a documentation based upon conversations had towards remodifying said loan. Then, unbeknown to us or our Attorney and in complete contradiction to all dialogue and confirmed offer, they instead filed a sale date for earlier this year. We realized what had occurred and advised OCWEN that they were in error as we were in process of remodification, and that OCWEN was knowingly and purposely engaging in Dual Tracking, an illegal act. OCWEN then cancelled the date, but reversed course and asked us to resend all info to their Escalated Cases Dept., denying any knowledge of conversations and claiming to have lost all paperwork sent, asking us to start all over again. They have also back handedly set another Sale Date for our home for XX/XX/XXXX.Today, OCWEN has completely reneged on their offer, denying the information shared or offer made during conversations with us and our Attorney, and are actively refusing to communicate in a timely or even professional manner with us as Homeowner, Authorized Signer and our Attorney, sending contradictory or incomplete emails and to different email boxes.
Being beyond frustrated and feeling helpless, our Attorney has confirmed the difficulty in any sincerity of OCWEN even as we make every effort in good faith, has cited several federal lawsuit filed as late as XX/XX/XXXX and XX/XX/XXXX for this very unprofessional, unethical and illegal behavior towards Homeowners and has recommended that we contact CFPB immediately.
Our goal is simple, to have OCWEN follow through in re-writing a loan with current, realistic, attainable and sustainable amounts and dues, follow through the initially extended immediate Principal Reduction, ( waiver of any Trial Period ), and forwarding us through our Attorney, new and updated documents to sign and return.
We have been proactive with good intentions and followed through on requests in good faith. We want to save and stay in our home through what we know to be a fair resolution for all parties. However, we will not be treated by OCWEN in this unethical, illegal manner while they engage in Dual Tracking and now acceleration of foreclosure process to deny us the time and opportunity to allow them to first review and correct their own errors and us to continue to work towards our goal of maintaining our home.
It is with this in mind that we reach out to you.
Thank you.
Respectfully
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| 12/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I 'm filing a complaint against my loan servicer Ocwen Loan Servicing ( OLS ), for illegal foreclosure and violations to the California XXXX ( XXXX ). Also violations to the Ocwen National Mortgage Settlement ( ONMS ), which explicitly requires OLS, to maintain a transparent and fair loan modification review process, due to their track record of abuse.My personal abuse began 2 years ago when OLS, returned XXXX of my mortgage payments claiming that my loan was required to be modified in order to lower the payments and interest rate. What was confusing is that I was not behind on payments, nor did I need a lower rate.At the time the XXXX payments were returned, my loan was fixed with a 2 % rate ; and as previously stated my loan was not delinquent.The agent advised me that since my rate was so low, that I could be eligible for a principle reduction which could also potentially lower my payment. I had never had troubles making my payments, so I was not familiar with the term " modification '' .Since then my loan has been under review on and off for the entire 2 year duration to no end. OLS, has placed me in and out of review for modification, because they would always ask for additional documents, or the same documents and in some cases more documents. It was a relentless vicious cycle of documents streaming to their offices and countless single point of contact ( SPOC ) assigned as well, which indeed contributed to a convulsed process from beginning to end.The most recent set of events leading up to the sale of my home on XXXX XXXX, 2016, with no prior notice nor warning. Clear violation to XXXX. XXXX. XXXX XXXX. This letter or notice indicating a " complete package '' was dated for XXXX XXXX, 2016, and sent via regular mail only 3 days prior to the sale of my home.I had a conference call appointment that was with the SPOC named XXXX XXXX, set up for XXXX XXXX, 2016. She called and I picked up the phone on the third ring however she had hung up, so immediately called back. OLS, male agent advised that he could not patch my call through to XXXX, because their system did not allow him to do so. He did advise me that he would instant message her that I 'd returned the call. I had faxed XXXX, all of the most recently requested documents which were profit and loss statements and bank statements.
I called back to OLS, several times between XXXX XXXX, 2016 and XXXX XXXX, 2016. To my shock I was contacted by a local realtor friend of mine on Monday XXXX XXXX, 2016, informing that she had seen that my home was sold at auction on XXXX XXXX, 2016.I was completely blindsided, in fact I had just spoken with an OLS agent on Friday, XXXX XXXX, 2016 and I was still not informed of any type of sale date pending action nor an executed action of sale just the day before. My home holds approximately $ XXXX in positive equity, which OLS has stolen due to their predatory ways.My home was sold by OLS, sister company XXXX XXXX ( XXXX ) with no prior notice of sale. XXXX, has failed to follow any of the California foreclosure statues under XXXX XXXX XXXX. Seq. for non-judicial foreclosure. OLS and XXXX, violated XXXX. XXXX. XXXX XXXX regarding communications with a designated SPOC, also XXXX. XXXX. XXXX XXXX which strictly prohibits the act of " dual tracking ''. Furthermore, XXXX violated multiple communication requirements under the XXXX, they failed to post notice on my home indicating date, time and location of a sale. They have also failed to publish a notice of sale in our local Newspaper. They have also failed to record a sale date action with the XXXX county recorder 's offices.OLS and XXXX, acted in a manner deemed unfair and not in good faith, and were and the modification review process was a mere " smoke screen '' for them to lull me into a state of complacency while the home was being foreclosed upon.
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| 01/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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This is in reference to Case # : XXXX, to which Ocwen Loan Servicing , LLC, responded to electronically to the CFPB on XXXX/XXXX/XXXX ( copy attached ).
With regard to this XXXX/XXXX/XXXX electronically submitted response to the CFPB, there continues to be false, deceptive, manipulative & misleading statements/explanations by Ocwen with respect to the true facts.
Ocwen maintains that its XXXX/XXXX/XXXX late payment reporting to the credit reporting agencies remains unchanged. To that effect and in view of the fact that Ocwen has been relentlessly providing false, deceptive, manipulative statements & explanations to the CFPB, a regulatory federal agency, Ocwen deserves to be financially penalized for such egregious actions on its part.
Ocwen repeatedly asserted & continues to assert that it paid property taxes to XXXX County on XXXX/XXXX/XXXX. However, Property Tax-Tax Bill current records ( copies attached ) show that such property tax bill was in fact paid on XXXX/XXXX/XXXX ( a day after I effectuated the closing sale of my home in XXXX, Florida ) by XXXX. Such payment was never made by Ocwen within the time period it repeatedly kept on refering to. And, its reference to a XXXX/XXXX/XXXX email supposedly to XXXX XXXX XXXX, XXXX from Ocwen, is erroneously being described as such by Ocwen. In fact, in my most precedent complaint, I submitted an email attachment which is from XXXX to me and which states according to XXXX representative : " I just spoke to Ocwen. The taxes HAVE NOT been paid. They are scheduled to be paid by the end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid. They collect that in advance of paying the taxes. At this time, I will have to collect the taxes on the HUD. I ca n't adjust the payoff in anyway and you would have to consult with them to get the refund back after closing. The new payoff brings your cash to close total to {$2900.00}. This would have to be paid at closing on Monday in the form of a cashier 's check. Please advise how you would like to proceed. '' That verbal communication which XXXX reports to have had with Ocwen re-enforces the fact that Ocwen had told XXXX that it would not pay the taxes until by the end of XXXX ( and why did Ocwen suppossedly went ahead afterward to pay the taxes again, once they had already been paid by XXXX? ).
The payment of taxes by Ocwen in late XXXX and not on XXXX, is unequivocally supported by the response to me by the Deputy Tax Collector at XXXX County which explains in her email ( copy attached ), that on XXXX, XXXX that XXXX County issued a refund check, # XXXX in the amount of {$13000.00} for reimbursement of several parcel accounts that were previously paid, one of which was my parcel.
Nevertheless, Ocwen states in its most current correspondence that it received a tax refund of {$2900.00} on XXXX/XXXX/XXXX, which in fact contradicts the explanation given to me by XXXX County 's Deputy Tax collector.
Ocwen uses the PayOff Quote document which it had submitted to validate its entrenched resolution for keeping unchanged the delinquency reporting to the Credit Bureaus. However, its letter also clearly stipulates the followoing : " After the payoff funds have been applied, and the account has been reconciled, any overpayment of funds will be returned to the borrower through regular mail within 20 days of the date funds are received. Escrow account overages will be disbursed within 20 days. '' The total loan payment to Ocwen was made on XXXX/XXXX/XXXX and the property taxes were paid by me ( via XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX ), so why is it until now that no refunds have been submitted by Ocwen?
It is my firm belief that for as much as Ocwen can stubbornly continue to report a delinquency, it should also be financially penalized.
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| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am facing a foreclosure sale date by my mortgage servicer Ocwen on XX/XX/XXXX. I have been battling them for several years as I try to resolve issues relating to predatory lending, mortgage fraud, misrepresentations and lies. Ocwens law firm outright lied to me about my standing with them and failed to disclose that they had moved forward with a court action while telling me they did not and that I was in review for a modification. I have tried all angles, including submitting packages repeatedly to their loss mitigation department as well as battling them in court, where I have found sympathetic judges who agreed that Ocwen and investor XXXX XXXX could not prove that they had standing to foreclose. However, the last court date the judge ruled that Ocwen could move forward with a foreclosure sale date. I work as a facility manager and my wife manages a supermarket and together we earn a solid living. We have the means to make a reasonable monthly mortgage payment if Ocwen would put a reasonable offer on the table.
We were solicited by phone by XXXX in XX/XX/XXXX and convinced it was in our best interests to refinance with them. We have a special needs daughter and at that time she required a great deal of care and I stopped working so that I could care for her. We were surprised that our loan was approved since I was not working and the monthly payment of {$1800.00} seemed a bit high considering my wifes income was about {$4000.00} at the time. We did not understand the high interest rate and the type of loan we were getting ourselves into and were shocked after the fact when we found that our lender charged us close to $ 30K in points and junk fees.
In XX/XX/XXXX the recession hit our family and we began missing mortgage payments. We tried to modify our loan but in the middle of the process the servicing was transferred and then sued by XXXX XXXX for foreclosure. I found it interesting that the suit was filed by XXXX XXXX yet the note had not been assigned to them yet, the actual transfer of the security occurred three months after the court paperwork was filed. There are multiple paperwork irregularities that I have found that I feel demonstrate a pattern of fraud and malfeasance on the part of the lender, the figures in some places dont match, we were not provided with a Truth in Lending disclosure etc. which led to the court dismissing the case. I continued trying to modify but got the runaround and in XX/XX/XXXX went back to court. The judge ruled that the lender had not proven that they possessed the necessary paperwork that would give them the right to foreclose. Multiple documents were requested to prove standing and continuity of obligation by the judge but they could not provide them. The loan went to Ocwen and I have been trying to get a modification but am routinely transferred to agents in a foreign country who speak little to no English. In XX/XX/XXXX I received a notice that Ocwen was filing with the court for foreclosure. We had finally been able to get some traction and a modification package was supposedly in process at Ocwen. We spoke with the Attorneys for Ocwen from XXXX XXXX on XX/XX/XXXX ( relating to upcoming hearing ) and were told that due to the fact we had a modification package in review that there would be no foreclosure activities going forward, that the foreclosure was on hold and that we did not need to worry about the court date.. We later found out that Ocwen and Attorneys had gone to court on XX/XX/XXXX and obtained a judgement of foreclosure against us. Why would their Attorneys speak with us and lie and tell us not to worry and why did they not disclose that they had already obtained a judgment of foreclosure against us? This makes no sense and these are the same types of unethical and unscrupulous activity that Ocwen has engaged in in the past.
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| 07/16/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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false information and mis presentation If you know about foreclosure fraud, the mass fabrication of mortgage documents in state courts by banks attempting to foreclose on homeowners, you may have one nagging question : Why did banks have to resort to this illegal scheme? Was it just cheaper to mock up the documents than to provide the real ones? Did banks figure they simply had enough power over regulators, politicians and the courts to get away with it? ( They were probably right about that one. ) A newly unsealed lawsuit, which banks settled in XXXX for {$95.00} XXXX, actually offers a different reason, providing a key answer to one of the persistent riddles of the financial crisis and its aftermath. The lawsuit states that banks resorted to fake documents because they could not legally establish true ownership of the loans when trying to foreclose.
This reality, which banks did not contest but instead settled out of court, means that tens of millions of mortgages in America still lack a legitimate chain of ownership, with implications far into the future. And if Congress, supported by the Obama administration, goes back to the same housing finance system, with the same corrupt private entities who broke the nation 's private property system back in business packaging mortgages, then shame on all of us.The XXXX lawsuit was filed in XXXX XXXX XXXX in both North and South Carolina, by a white-collar fraud specialist named XXXX XXXX, on behalf of the federal government, XXXX states and XXXX cities. XXXX banks, mortgage servicers and document processing companies are named in the lawsuit, including mega-banks like XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX.
XXXX, who fell into foreclosure herself in XXXX, researched her own mortgage documents and found massive fraud ( for example, one document claimed that XXXX, listed as the owner of her mortgage, acquired ownership in XXXX XXXX, four months after they first filed for foreclosure ). She eventually examined tens of thousands of documents, enough to piece together the entire scheme.
A mortgage has two parts : the promissory note ( the IOU from the borrower to the lender ) and the mortgage, which creates the lien on the home in case of default. During the housing bubble, banks bought loans from originators, and then ( in a process known as securitization ) enacted a series of transactions that would eventually pool thousands of mortgages into bonds, sold all over the world to public pension funds, state and municipal governments and other investors. A trustee would pool the loans and sell the securities to investors, and the investors would get an annual percentage yield on their money.
In order for the securitization to work, banks purchasing the mortgages had to physically convey the promissory note and the mortgage into the trust. The note had to be endorsed ( the way an individual would endorse a check ), and handed over to a document custodian for the trust, with a " mortgage assignment '' confirming the transfer of ownership. And this had to be done before a 90-day cutoff date, with no grace period beyond that.
XXXX Law professor XXXX XXXX spelled this out in testimony before Congress in XXXX : " If mortgages were not properly transferred in the securitization process, then mortgage-backed securities would in fact not be backed by any mortgages whatsoever. '' The lawsuit alleges that these notes, as well as the mortgage assignments, were " never delivered to the mortgage-backed securities trusts, '' and that the trustees lied to the SEC and investors about this. As a result, the trusts could not establish ownership of the loan when hey went to foreclose, forcing the production of a stream of false documents, signed by " robo-signers, '' employees using a bevy of corporate titles for companies that never employed them, ... ..
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| 02/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Our loan appears to have several issues surrounding the mortgage assignments, loan transfers as well as recordings with our local property county accessor 's office here in XXXX County, XXXX. Our loan was originated by a fraudulent mortgage company based out of XXXX, XXXX named XXXX XXXX which was notably shut down for origination of predatory lending, and an assortment of illegal venues. The loan was the sold to XXXX XXXX, from there it was transferred to XXXX XXXX XXXX and XXXX XXXX XXXX was shut down, following XXXX XXXX filing bankruptcy XXXX XXXX, XXXX. According to OLS my loans custodial servicing rights were transferred from XXXX XXXX XXXX on XXXX XXXX, XXXX, how is this possible?
Furthermore, it is highly questionable that OLS, is in procession of all necessary sale affidavits, my allonge to the note as well as the additional applicable documentation that has been demanded of OLS. OLS, has possibly falsified and distorted the chain of title to our home and are attempting to force our home into foreclosure.This debt has been long disputed multiple times with multiple servicers with relation to the origination and predatory nature of my loan.XXXX, failed to protect my future financial interests and ultimately forced my loan into foreclosure as a result of ignoring basic underwriting guidelines as well as violations to The Real Estate Settlement Procedures Act ( RESPA ) which prohibits unfair lending practices. Furthermore, there has been unfounded and incomplete evidence provided by OLS surrounding that the above mentioned loans origination, chain of title and assignments are unclear.Due to the OLS, failed response to my issues, I 'm considering raising this matter in the Court as I feel it may be the proper venue for action under 28 U.S.C. Section 1391, because XXXX or more of the Defendants maintains executive offices in or conducts business in the district relevant to where real estate is located in this concern.
The interagency Statement on Subprime Mortgage Lending enumerates certain tactics that may indicate predatory lending. Nonprofit groups have also published widely accepted guidance on these kinds of practices that may constitute predatory lending. Predatory loans typically combine risky loan features, thereby placing the borrower at an excessive risk of default or foreclosure.For purposes of this Complaint, " Combined-Risk Loans '' are loans that meet the definition of high-cost loan under HMDA. HMDA, which is an extension of The Home Ownership and Equity Protection Act ( HOEPA ) and enacted in XXXX as an amendment to the Truth in Lending Act ( TILA ) to address abusive practices in refinancing and home-equity mortgage loans with high interest rates or high fees. Loans that meet HOEPA 's high-cost coverage tests are subject to special disclosure requirements and restrictions on loan terms, and borrowers in high-cost mortgagesXXXX have enhanced remedies for violations of the law.XXXX ( XXXX ), was incorporated under the laws of the State of Delaware. In subsequent paragraphs of this complaint, XXXX MORTGAGE will be referred to as " XXXX, '' " the lender '' or " the defendant. " XXXX 's business includes engaging in residential real estate-related transactions and regularly extending credit to persons. XXXX, as an entity whose business included engaging in residential real estate transactions -- including home equity lending as well as home purchase and refinancing lending -- is subject to the requirements of the XXXX XXXX XXXX, as amended, XXXX U.S.C. XXXX. XXXX is also a creditor as that term is defined by section 702 ( e ) of the ECOA, 15 U.S.C. 1692a ( e ), and is, therefore, subject to the requirements of the ECOA and its implementing Regulation B, as amended, 12 C.F.R. Part 202, in effect on or after XXXX XXXX, XXXX.
******CONTINUE COMPLAINT PART XXXX OF XXXX
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| 05/17/2015 |
Yes |
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- Settlement process and costs
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Web |
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According to a letter dated XXXX from a mortgage servicing company, it stated thefollowing " We have reviewed your loss application and the financial information you provided.
Your loan has been evaluated for all loss mitigation options available. We are pleased tooffer you more affordable payments and the opportunity to stay in your home, with the enclosed Home Affordable Modification.
The Terms stipulated that I contact the company within l4 days of this notice. The terms stipulated that I submit XXXX ( XXXX ) monthly payments in amount of {$2500.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I responded timely with a statement agreeing to thethe modification and attached a XXXX XXXX payment.
I submitted all of the above XXXX ( XXXX ) trial payments timely and was assigned a Relationship Manager, including monthly phone conferences. After the XXXX trial payment was submitted, I finally inquired about the Final Modification Agreement document.
During each monthly conference, I was told that their agency was experiencing some technical difficulties, but that it would be submitted as soon as possible.
In meantime, I continued making monthly timely payments and speaking monthly with aRelationship Manager. On XX/XX/XXXX, I spoke with a relationship manager who basically gave me a summary of what the Final Modification Agreement entailed. He first assured me that a prior debt was discharged in a Bankruptcy. He went on to tell me that my home was appraised for {$710000.00} in XX/XX/XXXX. I told him that I got a copy of the Appraisal and that the Market Value was at {$590.00} ( Appraisal Report copy dated XXXX ). He listed some other high figures and mentioned something about a balloon payment, of which I was not familiar with how all these high figures came into play and the " balloon payment. I wanted to first wait and read this Final Modification Agreement to get a better understanding of what was going on.
Fast forward, almost one year later to the date in which I received my initial modification approval letter, - a phone conference was held on XX/XX/XXXX with a Relationship Manager. I was informed that my regular Relationship Manager was temporarily unavailable. This particular manager informed me that I would finally be receiving a Final Modification Agreement. He summarized the terms as follows : # l ) Interest Rate 2.0 % # 2 ) Modified Unpaid Principal Balance - {$520000.00} # 3 ) Payment {$2400.00} ( reduction from {$2500.00} ) effective XXXX # 4 ) Maturity Date of Modification - XX/XX/XXXX # 5 ) Remaining Months of Modification is XXXX months from XX/XX/XXXX ( 2l years ) Trial Payments : XX/XX/XXXX XX/XX/XXXX and XXXX XXXX. ( DISPUTE : MY ORIGINAL LETTER DATED XXXX - just informed me of my approval of the mortgage loan modification. which had requested that I make XXXX ( XXXX ) trial payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( customer copy of letter on file ). # 6 ) Discount of {$24000.00} to be applied if in good standing, then each year ( l ) part of the Discount will be deducted from unpaid balance of the principal balance for three consecutive years. # 7 ) BALLOON PAYMENT AT MATURITY ( XXXX XXXX, XXXX ) Amount Due {$490000.00} ( DISPUTE : Final Modification Agreement states the balance at Balloon could be more ; and that it does not matter what the market value is at that time, either pay in full, refinance or lose home to foreclosure ).
COMPLAINT : Furthermore, if my home was appraised at {$590000.00}, yet my unpaid principal balance is {$520000.00} and my interest rate is 2.0 % - Why am I having to pay a large BALLOON PAYMENT of {$490000.00} or possibly more in XXXX years? Is this typical, of most modifications? In XXXX years, I will mostly be retired and on fixed income. The inflated appraised value of my home, the large balloon payment is not helping.
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| 07/15/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The letter dated XX/XX/XXXX that was uploaded to the Consumer Financial Protection Bureaus ( CFPB ) website on XX/XX/XXXX by XXXX XXXX ( XXXX ) c/o PHH Mortgage Services ( PHH ), Ocwen Financial Corp. and Ocwen Loan Servicing, LLC ( hereafter collectively referred to as " Ocwen '' ) displays the foregoing parties continued and willful engagement in unfair, deceptive and unlawful debt collection practices in violation of the consent judgments entered on XX/XX/XXXX and XX/XX/XXXX in the U.S. District Court for the District of Columbia under Cas No.s 1:13-cv-02025-RMC and 1:18-cv-00009-TFH, and false statements to a Federal Agency in violation of 18 U.S.C. section 1001.
In particular, the foregoing parties continue to falsely declare that I defaulted by not making a payment due for XX/XX/XXXX which contradicts the statements made by Ocwen 's affiliate company and predecessor upon commencing foreclosure for the same transaction by complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX wherein the default is declared as of XX/XX/XXXX and no payments were made for the months following and through XX/XX/XXXX. Furthermore, the foregoing parties continue to conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor.
Lastly, the foregoing parties refuse to comply with my request and demands made pursuant to 15 U.S.C. 1962 ( g ), 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq., and 15 U.S.C. 7021 ( f ), by omitting and failing to forward the following : Proof and validation as to the existence of the XXXX of XXXX XXXX XXXX.
The original loan application and file in its entirety.
Date the subject account became payable.
Certified, true and correct copy of the of the Notice of New Creditor sent to me by the creditor or the latters authorized agent ( s ) that you claim is legally entitled monies for the disputed debt as required by 15 U.S.C. 1641 ( g ).
Date of default and acceleration ( if applicable ) for the subject account.
Certified, true and complete accounting for the subject account from the first payment applied to present date.
Certified, true, complete and itemized statement of any and all arrearages including each month in which the alleged default occurred, and the amount of each monthly default for the disputed account.
Complete and itemized statement of any late charges to this disputed account from the origination date to present date.
Complete and itemized statement from the origination date to the present for any fees incurred to modify, extend, or amend the disputed account or to defer any payment due under the terms of the disputed account.
Current amount needed to pay-off the subject account in full.
Current amount needed to reinstate the subject account in full, if it is not current.
Certified, true, complete and itemized statement of all advances or charges against the subject account applied for any purpose.
Certified, true, complete and itemized statement of the escrow account for the subject account, if any, from the inception of the subject account to the date of this letter, including, but not limited to, any receipts or disbursements with respect to real estate property taxes, fire or hazard insurance, flood insurance, mortgage insurance, credit insurance, or any other insurance product.
The names and addresses for the certificate holders for GSAMP Trust 2007-NC1 claiming ownership rights to repayment of the subject account number.
A certified true and correct Authoritative Copy of the transferable record assigned MIN XXXX and made part of the above referenced account number in dispute, as required upon demand made pursuant to 15 U.S.C. 7021 ( f ).
Proof of mailing denial of modification letter dated XX/XX/XXXX.
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| 10/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Docket can be found at : XXXX under ( new ) case inquiry, XXXX-In XX/XX/XXXX a foreclosure was file against my property. After many summary judgments and a few sales which I managed to reverse.
-Lack of prosecution ( LOP ) notice was filed on XXXX/XXXX/XXXX, Docket # XXXX for plaintiff XXXX XXXX XXXX XXXX an answer to XXXX.
-Novastar XXXX operations in early XXXX.
-Plaintiffs attorneys filed for substitution of party plaintiff on or about XXXX XXXX, XXXX to XXXX as successor trustee under XXXX XXXX funding Trust, XXXX.
-Plaintiff finally obtained final summary judgment in XXXX XXXX.
-I appealed in XXXX XXXX.
-Sale was set for XX/XX/XXXX but the cancelled due to investor problems.
-Sale was rescheduled for XXXX XXXX, XXXX.
-In the int rum I filed a Federal, FDCPA, FCCPA case against debt collector attorneys servicer and bank.
-House was sold on XXXX XXXX, XXXX but reversed by plaintiffs attorney because they forgot to show up at the sale and the sale price was to low.
-Mandate and opinion ( appellate win ) was entered in my favor XXXX XXXX, XXXX. ( attached file ) -Once I received opinion I voluntarily dismissed the Federal case against all party 's.
-This case laid dormant up until XXXX/XXXX/XXXX where counsel was substituted and case was reinstated by order on XXXX/XXXX/XXXX.
-Plaintiffs filed a XXXX amended complaint on XXXX/XXXX/XXXX again changing the party plaintiffs name.
MY COMPLAINT.
After becoming aware of the CFPB consent order with Ocwen It appears to me that Ocwen is still manufacturing/fabricating false documents to obtain jurisdiction to foreclose and steal properties with no standing to foreclose. I have attached several documents for your review that show on their face that there is a high probability that the attorney firm, Ocwen and plaintiff are working in concert to make it appear to the court that they have standing to foreclose and to get around the opinion of the appellate courts decision. My opinion is that it is a very poor attempt and, I hate to say it, but laughable at least. It appears that they are committing fraud upon the court and because they caused certain documents to be filed in the public record and quite possibly in violation of Florida criminal code Sec. 817.535 and the Florida RICO XXXX and other violations under sec. 817.15, false affidavits, sec. 817.155, sec. 817.16, false officers.
If you look at the documents attached it is crystal clear that a poor attempt has been executed and filed on the record. They can not unring the bell.
The allonge they included with the latest filing appears to be manufactured. I attached the file ( copy of note initial filing of suit and copy filed and copy filed recently.. ). which was supported with an affidavit of lost note, an affidavit of lost note was also filed back in XX/XX/XXXX by the initial law firm. The endorsement appears to be manufactured for purposes of bringing XXXX XXXX into the game. If you compare the original filing of suit with copy of note the endorsement is not there. So how did this endorsement appear on a lost note?
How did the assignment XX/XX/XXXX ( attached ) transfer the lost note to Ocwen by XXXX who has been defunct for many years? KEEP IN MIND THAT THIS WAS PREPARED BY OCWEN.
I am running out of space so I am hoping that you can see what I see on the face of the documents.
One more point I would like to add.
The appeal court did make a couple of mistakes which I only caught recently.
When they mention assignment from XXXX to XXXX XXXX not on record prepared by then Law Firm and back dated, they were incorrect, Please review attached ( assignment XXXX XXXX, XXXX XXXX Mortgage assigned to XXXX. Not XXXX XXXX. ( attached, appellate win ) XXXX did not seek to recover lost note, XXXX did. And some of the dates are off.
I am out of characters, looking forward.
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| 05/12/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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On XXXX XXXX, XXXX I received two ( 2 ) separate letters from XXXX XXXX who represent Ocwen, regarding my complaint to the Attorney General 's Office regarding the loan servicer, Ocwen who wrongfully and illegally taking my property as real estate owned ( XXXX ) since XXXX XXXX, XXXX. There was a foreclosure sale cancellation order that was issued on XXXX XXXX, XXXX [ EXHIBIT A ]. Therefore there was no legal conveyance ( transfer ) of property to have legally allowed Ocwen to have taken my property on XXXX XXXX, XXXX as XXXX.
One letter was directed to XXXX XXXX XXXX ( AG ) and I was copied on the letter. The other letter was directed to me only and apparently sent in response to my CFPB complaint and XXXX XXXX XXXX was not copied. Both letters are attached.
In the letter to XXXX XXXX XXXX XXXX XXXX stated that " additional information will be provided under separate cover by XXXX XXXX, XXXX, per Ocwen 's request for extension, dated XXXX XXXX, XXXX. I have waited for this additional information and as of today XXXX XXXX, XXXX I have not received anything. I also waited for said additional response to submit with my CFPB complaint # XXXX.
In the letter to me only and sent to CFPB it stated that on or about XXXX XXXX, XXXX Ocwen received a complaint from me regarding the above-referenced property. This is not a true and factually correct statement. I have been complaining long before XXXX XXXX, XXXX. I have been contacting Ocwen since the day after the foreclosure sale was cancelled on XXXX XXXX, XXXX for which I was told that my property was in their XXXX department. I have contacted Ocwen and made numerous complaints both by phone and by emails. I also received written email from XXXX XXXX XXXX that my property was XXXX [ EXHIBIT E - page XXXX of XXXX ].
Not only was I unable to get a loan modification from Ocwen BUT I was not able to get any assistance independent of Ocwen. Investors that I was working with independent of Ocwen were not able to assist me because the property was listed as being owned by Ocwen and not by me. There were people willing to assist me.
After the Final Judgment for Foreclosure was entered on XXXX XXXX, XXXX I received two ( 2 ) different letters from Ocwen on XXXX XXXX, XXXX and XXXX XXXX, XXXX for me to contact their representative for mortgage assistance [ EXHIBIT B & C ].
If Ocwen mistakenly updated its system of record to reflect that Ocwen held the property as XXXX on XXXX XXXX, XXXX then at what point did Ocwen fix a " mistake '' they supposedly made? My first contact to the Bank was on XXXX XXXX, XXXX and I was told that the property was XXXX by Ocwen and I told the representative that that information was not correct because there was a foreclosure sale cancellation order.
And if this was a genuine mistake by Ocwen why was it never acknowledged and promptly corrected? For over one and a half years nothing was done to fix said " mistake ''. Instead I was told that the only way for me to ever get the property back in my name was for me to repurchase the property and that the property was listed as damaged and not for sale ; the property was definitely not damaged and I got evicted. After Ocwen took the title to the property on XXXX XXXX, XXXX the property was miraculously not damaged and listed for sale with XXXX XXXX XXXX XXXX who stated that they are " acting as an agent for Federal Loan Mortgage for the above reference property on behalf of the seller ''. [ EXHIBIT D ].
I did submit a loan modification application for this loan on XXXX/XXXX/XXXX even though Ocwen had the property as XXXX and it was not ackowledge by Ocwen. On XXXX XXXX, XXXX XXXX XXXX sent me a loan modification package for me to fill out and to send back to him. How can I legally fill out a loan modification package if I was wrongfully evicted from the property
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| 08/31/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XXXX, I submitted paperwork for a loan modification. XX/XX/XXXX, I received a response to start a 3-month trial loan medication ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) packet. XX/XX/XXXX, I received a certified mail notice from the Post Office. I selected for the mail to be delivered to the home address. It never arrived so I did n't know what was sent. XX/XX/XXXX, I was contacted by a loan agent that I needed to make a payment for XX/XX/XXXX because it was now late. I advised the agent that I did n't know how much the payment was since I just completed the trial modification and was awaiting notification of the status from the loan relationship manager. I was told that I needed to make a payment ASAP, since the account was in a forbearance. I made a wire transfer payment, like with the trial modification payments. In XX/XX/XXXX, I made an appointment to speak with my loan relationship manager. He advised me that the modification agreement needed to be signed first before the account could be updated in the system and not show a forbearance any longer. He advised me that this was the certified document that was sent but never received by me. He sent the documentation to me on XX/XX/XXXX via email and regular mail. I was advised to email, fax and mail the signed copies of the agreement to move forward with the loan modification. I had asked if a payment should be sent and he said not to until the documentation was received and I was given acknowledgement. It was not disclosed to me until after the documentation was returned that the payment, interest rate and loan amounts had changed and been increased. XX/XX/XXXX, another loan agent had stated the payment was late and that I needed to make one ASAP. Like before, I complied and made a wire transfer payment. I have spoken with various agents after making other appointments to speak with the loan relationship manager from XX/XX/XXXX to XX/XX/XXXX. I had mentioned that I had a hardship and that the new payment arrangements were not satisfactory. I had inquired about the foreclosure alternative paperwork and was given a packet to file. After submitting the paperwork, an agent told me I did n't qualify, regardless of my current circumstances, because of the recent modification. On XX/XX/XXXX, a loan agent called asking again to make a payment. I told him that I planned to make a wire transfer on XX/XX/XXXX. He said that I could make a payment by phone. I said again that I already have a pending wire transfer for XXXX and it was n't necessary for me to make one over the phone. He then asked for the bank information, in which I gave him since it was different from the previous wire transfers. I had then reiterated that I was not giving authorization to make a payment by phone since I would n't receive a paycheck until XX/XX/XXXX. The bank notified me that the agent had tried to put a payment through with the information he obtained from me even though I did n't give my consent. The payment was n't processed so the loan company sent a letter stating I was going to be accessed a late fee and a return payment fee. XX/XX/XXXX, I spoke with a loan supervisor and was told to send a request to their Research department to have the recorded conversation reviewed. I received a letter on XX/XX/XXXX that the recorded conversation was reviewed and that I had given authorization to the agent at that time. As of today, I still have not heard from my relationship manager and keep getting bounced around to other agents. I received a default letter and another letter that shows the current status of the account is past due. Today I inquired about the foreclosure alternative modification with an agent and he stated that I did n't qualify because the account was considered in good standing. I mentioned the letters and he said that the account is current.
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| 03/17/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I called them to see about getting a modification and the interest rate I noticed was going lower. I contacted them to see about what I can do for a modification. They told me that they had a lot of people file for modification. The talked me into in and were very professional and after the third month after the modification and that sounded good and I called them back and they said they would send me out a modification packet. I filled it out completely and I asked how long it would take. They told me it would take about XXXX 3 weeks. They told me they were not able to process it and they sent me a document that was missing. I sent that back to them and they told me that it was too late and they would need to start over with a new packet. I filled out that and sent it to them and some other issue happened and they told me I was in foreclosure. The manager told me that the computer system put out the foreclosure notice. They told me there was a sale date for XXXX the XXXX 2010 and I called back and he said not to worry about it and the computer does it. They put me into foreclosure and they never served me. I started looking for an attorney. That he had to file and they over turned the foreclosure and that after sending them papers back for the modification. They never let me know about what happened with the modification and then they had the fine when they were fined. Then we got paperwork asking me to attend by phone. They did n't do anything and refused to mediate. They guy did n't participate and we got a different judge and he did n't rule on the sanction. I started paying the mortgage after 9 months they did n't do anything. They sent me a modification and sent it back to them and my lawyer responded to them. They never responded to us and they never responded at all. XXXX I canceled the bankruptcy and to get the funds that were in bankruptcy. Then I filed a complaint with the attorney general. She wrote Ocwen and they assigned me an ombudsman. They did n't include them not serving they did n't include them not showing them doing the sale date. She also stated that I never paid a certain amount that I never paid that and I did pay it I did pay the {$4000.00} and lots of errors in her report and I had sent proof of XXXX pages and emailed her. That paperwork she said it does n't matter and it would n't help me save my house. That 's why I 'm in the situation of what they did to me. I asked them that I need a few more months and I can make payments in the next few months. I let them know about my XXXX and I would inherit his home and would be able to get money. I let them know that this is my home and I want to keep it and I just had XXXX and XXXX that would be causing me pain. I would have to be sitting down for a few weeks. If they take my house I would have no way of moving after the XXXX. I sent them proof of all the personal injury case that I would be getting money from that case. She claimed that they did serve me and sent it to my lawyer and I did n't have a lawyer at that time. It was just XXXX thing after another. I told them I had to fire my attorney and they would not talk to me if I had him. I told my attorney if he can send me a copy of the first contract that it would not correspond to him at that time. If you know where the person is you have to serve them at that place. She was saying she was going to be working with me. Then next thing I know I get an email from my prior lawyer saying they would. I contacted her and told her why did they push to ask the courthouse to get the deed so they can take ownership of the house. I told me I would need more time to pay them. I told them and provided them with everything they need. It 's not fair and it 's not legal and not ok. It 's been XXXX mistake after another. Ombudsman is supposed to be on my side she claims
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| 05/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Suffered a traumatic head injury in XX/XX/XXXXI was 3-4 months behind at this timeThis has been a lengthy process that has involved multiple mortgage companies and many agencies and a couple of attorneys and their continued involvement.
Dealing With IndyMax before OCWEN purchased my loanDenied repeatedly every attempt to work out a payment plan to recover the 4 months I fell behindMade monthly payment ( 37 Months ) following my injuryCalled to make a payment XX/XX/XXXXWas told that only a full payment would be allowed.
Told to talk to the customer care teamTold that based on my payment history they would likely just do a " CAP MOD '' A " Cap Mod '' is when they take the past due balance add it to the principle and I continue to make the same monthly paymentI asked how long the modification process would takeTold 30-45 days max but in my case maybe shorter-months laterNever a denial letterNever anything except the continued request for the same documentsThen when I made my weekly call asking for a status report I was transferred to OCWENOcwenAt this point I knew this was a scam but I truly believed there was legal ramifications that would not allow them to take my homeTalked to OcwenI had no choice but to submit another modificationCompleted the Modification and sentRepeatedly asked for more documents ( again ) And this went on and onI could only speak to my contact at Ocwen by " appointment only '' Appointments were always 2-3 weeks outBy the time the person from Ocwen called me the documents were outdated and I need to submit new onesThis went on and on for an additional six monthsXX/XX/XXXXOCC ... .Office of the Comptroller of the Currency did a foreclosure review of IndyMac and found I was entitled to a payment16 Months later I finally get a denial letter from Ocwen claiming I could not afford the modification plans they offerI disputed stating that my history proved I can and because of the delays THEY only made things worseTalked to someone " actually in this country '' regarding my denialPut the blame on IndyMacI told him that OCWEN did the same thing continuing to delay the process and that I could n't talk to anyone for 2-3 weeks which only made the previous documents " outdated '' He stated that they denied my modification because it would not lower my payment.
I told them that was never my intention and I had a history of making my payment and only fell behind because of hospitalizationIndyMac and NOW Ocwen delayed the modification process when Central ( my other home ) completed the process quicklyHe explained that they do n't look at payment history or do modifications " willy-nilly '' He ended the conversation by saying they could assist in a short saleThat was the whole plan to begin with ... force me to short saleContacted HUDI was told I should consider talking to attorneyI contacted an attorney who asked to review Ocwen Denial ReportBased on the attorney 's finding she stated that Ocwen had not used all my incomeSubmitted new modification which the attorney prepared so they were VERY CLEAR of my incomeThe attorney also stated that Ocwen only denied me on XXXX type of loan and never offered other typesDenied again. stating my home was worth less then I owed.
Contacted HUDThey referred me to XXXX to help me with the litigationI was so grateful because I had no luck communicating with anyone at Ocwen.
No matter who I spoke to I received the same scripted answerXXXXThey explained my home price was not a HAMP requirement and that they would handle the litigation for meNo communication with XXXX eithercontinued request for documents- we promptly prepared and sentLast Document request XXXX XXXX and sent by NIDForeclosure noticeXXXX XXXXNever received a denial and either did XXXX receive anythingLegally I believe they had to allow me 30 days to dispute..nothing
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| 05/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
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THIS BANK IS NOT THE INVESTOR - per their own statement and per statements stating would be Impossible to be INVESTOR - yet for this same reason XXXX XXXX XXXX has caused havoc on my entire life for the past 10 years. This firm has allowed misrepresentations to cause massive harassment on a daily BASIS TO A BORROWER THAT HAD INTENTIONS THAT WERE GOOD AND MET WITH DECEPTIVE PRACTICES BY that of a servicer claiming can not be reasonable due to XXXX stating would NOT ALLOW any of the 10 years of waiting for a good outcome. Instead abuse on every XXXX Investor guidelines for complete package for 7 days - Internally XXXX XXXX XXXX acting as a Servicer for this alleged XXXX as trustee claimed Investor they took it upon to also use reasoning NOT BY CALIFORNIA STANDARDS BUT BY FEDERAL STANDARDS OF 37 DAYS. California Laws are shorter. They have stated that the investor being NEW YORK MELLON BANK AS TRUSTEE -- STATING AFTER GIVING ME HOPE AFTER THREE TIMES FILING DUAL TRACKING MISREPRESENTATIONS. While is a review they posted a sale on my house then lied and stated that I was not in review. XXXX mailed items prove opposite. Then when informed that fraud, forgery and illegal origination documents with false claims being made and payments being made to closed paid off loans they in turn created a new history. XXXX XXXX XXXX continues to create alter and fabricate now having XXXX versions of NOTES ; False and FAKE assignments ; and constant lies and deceptive practices on a " Daily '' basis. That this firm hired to Service a loan that was accelerated in 2007 ' by a written letter expired under Statutory of Limitations and under CA laws XXXX. Then during each regulators lawsuit caused borrower distress by pushing off results making false promises and continually creating bogus stories as to why they could not accommodate the promised rewrites on these FAULTY ORIGINATION LOANS OF THE MOST ABUSIVE COUNTRYWIDE LOANS. THAT THIS WAS PART OF A PONZI SCHEME IN WHICH XXXX Stole money from borrower. This was admitted and was to be rectified. XXXX XXXX XXXX is pretending to service a Loan for a Trustee that has stated they are NOT the Investor and NOT possible. That they do not set any standards and have not had any such statements as Bof A keeps claiming. The Assignment was done by a robo signer ; XXXX XXXX XXXX who uses XXXX distinct names simultaneously obviously NO TRUST WOULD PURCHASE A LOAN 4 YEARS LATER AND NON PERFORMING -- XXXX XXXX XXXX HAS CONTINUED TO LIE AND DECEIVE BORROWER HAVING NO GOOD FAITH EVER. THAT THE SAME SUPERVISORS ARE ACTING IN ROLES TO HARASS AND DECEIVE AND BANK XXXX AS TRUSTEE CLAIMED AS INVESTOR IS ALLOWING MASSIVE ABUSES AND OVER XXXX HOSPITALIZATIONS FOR EMOTIONAL BREAKDOWN OF FAMILY MEMBER FROM OVER XXXX SALE DATE THREATS SOMETIMES WEEKLY THREATS. XXXX BANK UPON CONTACTING THEM 3 TIMES EACH TIME STATES " THEY ARE NOT THE INVESTOR '' YET BANK XXXX XXXX CONTINUES TO STATE THEY ARE ACTING ON BEHALF OF INVESTOR. THIS IS ABSOLUTE HARASSMENT TO BORROWER. I now hold false notes ; and wrong parties also holding wrong versions of newly created notes. This is fRAUD FRAUD FRAUD FRAUD FRAUD AND FORGERY. FORGERY IN THE LOAN DOCUMENTS AND NOW FORGERY ONTO FEDERAL COURT IN A MOTION FOR RELEASE OF STAY. THIS IS ABSOLUTELY CORRUPT BUSINESS PRACTICES TO ALLOW A SERVICER OR ALLEGED SERVICER TO ACT IN SUCH DECEPTIVE PATTERNS TO HARASS AND RUIN ENTIRE LIVES. THIS IS UNACCEPTABLE. UNCONSCIONABLE LOAN THAT HAD NO POSSIBILITY TO PERFORM. NEW YORK MELLON BANK AS TRUSTEE HAS ADMITTED THEY ARE NOT THE INVESTOR AND SOMEHOW ALLOWING THIS ABUSE. OFFERS WERE MADE THAT WOULD PAY BACK AND EACH TIME IGNORED. BANK XXXX XXXX HAS CONTINUED TO CAUSE HARM AND HARASSMENT AND INCLUDING BREAKING INTO BORROWER 'S HOME BY OTHER FALSE SUB SERVICER HARMFUL PATTERNS TO INTIMIDATE BY FORCE. THIS IS UNACCEPTABLE
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| 02/11/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
Complainant is the sole legal owner of a residential property, on which a loan is being serviced by Ocwen. In XX/XX/XXXX, Complainant and her now deceased husband entered a refinancing agreement with XXXX, a mortgage broker. All negotiations regarding the refinance were conducted by telephone, mail or fax. Complainant and her husband did not meet personally with any XXXX employee ( save the independent notary ).
Only after her husband 's death in XX/XX/XXXX, did complainant learn that the Note securing the loan had been signed only by her husband, and that he alone was listed as the " borrower ''.
Apparently XXXX had combined the modest monthly income of both decedent and complainant and listed the total as income of the deceased as a method to qualify for a refinance the property. Both complainant and decedent signed the deed of trust securing the loan to the property. Title to this property was held in joint tenancy with rights of survivorship as authorized by XXXX law. Upon decedent 's passing, sole title and ownership of the property passed to Complainant, and the necessary documents to reflect the termination of the joint tenancy at his death have been recorded. No probate was or will be filed as there were no assets subject to probate.
Faced with the loss of her husband and his financial contribution to their modest household, Complainant contacted Ocwen seeking some modification of the mortgage that would reduce the burden of monthly payments that exceeded her ability to satisfy from her own income. Only when Ocwen 's employees refused to communicate or speak with her, did she learn that her husband alone was listed as the only " borrower '' on the loan. Weeks passed until Ocwen 's representatives would entertain any discussion regarding an application to modify the loan payments. In the following months, Ocwen 's agents and employee 's engaged in conduct which appeared to be designed to obfuscate, misrepresent facts and law as applied to her circumstances, through no less than XXXX different agents or employees who in turn made repeated and conflicting and duplicatory demands for documents concluding with a denial of her request for modification, based in part upon a conclusion that she was not " the borrower ''. In the summer of XX/XX/XXXX Complainant learned from a web site " XXXX, that there would be a seminar given in XXXX, CA and that Ocwen representatives would be there to counsel with individuals XXXX mortgage problems. Encouraged by Ocwen 's representatives she renewed her application for mortgage assistance. An Ocwen XXXX helped her to complete basic paperwork, assigned her a specific Ocwen employee, one XXXX XXXX as her relationship XXXX, and informed her of other documents required to complete her application. The months that followed became a rerun of the same confusing contradictory and useless demands for documents, in this case advanced by XXXX different employees. At no time has she be able to communicate with her assigned " relationship XXXX '' XXXX XXXX, nor has he ever responded to any messages left by her.
Ocwen agents forwarded to her a XXXX Transfer package '' insisting that her request could not or would not be sent to for consideration, with out these additional documents including an " Assumption of XXXX XXXX ''. which clearly binds her to Assuming the Liability of the debt incurred only by her late husband whether or not she qualifies for any the loan modification relief. This conduct over the past XXXX XXXX years makes it clear that she can not trust that these documents are only " preliminary ''. These demands are extortive in that the document ( XXXX ) on their face impose an additional legal burden on her without resolution of her request for relief. Apparently there is no Ocwen agent with any authority to resolve this dispute.
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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Ocwen Loan ServicingRE : XXXX and XXXX XXXX - Loan Number XXXX have some serious concerns about my relationship with Ocwen.
Firstly, I feel that Ocwen transferred my loan " erroneously '' to XXXX because I submitted paperwork requesting a XXXX Loan Modification ( underwater ), which I clearly am eligible for. I submitted my application via email on XX/XX/XXXX to XXXXXXXXXXXX. I received a call from XXXX XXXX on XXXX XXXX indicating I was missing Section XXXX and Section XXXX, so I submitted these forms via email on XXXX XXXX to XXXX XXXX at XXXXXXXXXXXX. I received another call on XXXX XXXX from XXXX XXXX indicating I needed to REsubmit the XXXX form. So that very same day I REsubmitted the form via email to XXXXXXXXXXXX with her attention.
Secondly, It was n't until my scheduled call with a relationship manager on XXXX XXXX that I inquired about the status of my loan modification that I was informed " My application would not be reviewed further because my loan was actually being transferred to XXXX effective XX/XX/XXXX. '' I felt this was a sneaky way of Ocwen dodging my loan modification request.
Thirdly, since I 'm on the equity accelerator program, I contacted them to make sure that my monthly payments would now be sent to XXXX, which they did, and my XXXX XXXX mortgage payment was debited from my checking account and sent to XXXX. Then, a few days later I received a letter from Ocwen indicating that my mortgage was transferred by " mistake '' and they are STILL my mortgage lender ( again, sneaky move. ) So I contacted the Equity Accelerator program to let them know that Ocwen is STILL my lender. XXXX has advised they transferred my XXXX XXXX payment to Ocwen and Ocwen has YET to apply these funds to my account as of today, XXXX XXXX.
Fourthly, back to my loan modification, on Monday, XXXX XXXX, I spoke with an Ocwen representative who advised that my application was denied on XXXX XXXX " because they feel that I am not in a financial bind and could continue to afford my monthly payments. '' I reminded him " The last documentation I emailed to Ocwen at THEIR request was on XXXX XXXX, so how can they decide in XXXX days ( XXXX XXXX ) that I 'm not eligible? They are STILL engaging in unfair and deceptive practices and I 'm filing a formal complaint with CFPB. '' As such, I never received a written notice of this conclusion, in fact as of today ; their website indicates that " my request is in review. '' I 'm getting extremely frustrated with Ocwen, especially regarding my loan modification request because Ocwen was sued for this very same practice back in XX/XX/XXXX!!!!! I had a scheduled telephone appointment today at XXXX EST and I read this letter of complaint/concern to my relationship manager. I am also going to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my loan modification and my XXXX XXXX payment still not being applied to my account, because XXXX continues to engage in these practices : Failing to timely and accurately apply payments made by borrowers ; Failing to properly calculate borrowers ' eligibility for loan modification programs and improperly denying loan modification relief to eligible borrowers ; failing to properly process borrowers ' applications for loan modifications, including failing to account for documents submitted by borrowers and failing to respond to borrowers ' reasonable requests for information and assistance, and as a result, denying loan modifications to consumers who were eligible ; Providing false or misleading reasons for denial of loan modifications ; All of this constitutes unfair or deceptive practices which is in violation of Sections 1031 ( a ) and 1036 of the CFPA, 12 USC violation of the consumer protection laws in my state.
Sincerely, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX
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| 07/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
My Servicer is OCWEN. I wish to stop a foreclosure scheduled for XXXX XXXX, XXXX re property at XXXX, GA XXXX. This is a companion complaint with # XXXX filed today requesting a 90 day moratorium on foreclosures due to NATURAL AND MAN-MADE DISASTERS which have plagued this house in the last 60 days including lightening damage, fires, environmental issues, XXXX, water & sewer line issues foundation cracking, pestilence flooding, brickwork, cement walls, bushes and trees collapsing into the XXXX, and many other problems caused by the disasters.
In the unfortunate event the FC XXXX is not possible there are numerous reasons the XXXX XXXX, XXXX FC should be stopped.
( 1 ) Borrower ( " B '' ) sent a payoff/loan mod/sale offer to OCWEN over 60 days ago to which there has been no response ( Exhibit A ). The law requires that FC be withheld if such measures are submitted and being negotiated. This was a buyout-payoff offer not an unfulfilled loan mod documentation case. With the recent disasters or plagues thrust upon B 's house, time is obviously needed to assess the worth of the house, the repair and reconstruction costs, the City 's involvement, insurance coverage or the lack thereof, and if the house can be repaired or condemned. The letter and expected settlement negotiations are serious enough to forestall any FC as per the law, and general mortgage servicing practices.
( 2 ) The demand letter from OCWEN 's counsel was not sent the appropriate 14 days prior to the FC notice as required by the XXXX XXXX order covering OCWEN, RESPA and state law. Thus the pre-FC requisite notice requirement is 45 days not the 30 days notice utilized. The FC letter was dated XXXX XXXX, received over the XXXX of XXXX for an XXXX XXXX, XXXX FC ; or 30 days notice rather than 45. The last demand letter being relied on was XXXX XXXX, XXXX, nearly 2 years ago and certainly over 180 days. As will be shown below the numbers in the demand letter were wrong then and now so using a two year old demand letter to try to short circuit the legal mechanism is inappropriate and illegal. Thus the insufficient notice provided B should cancel the FC because the requisite number of days notice were not given to B for the XXXX XXXX FC ( Exhibit B ).
( 3 ) The property involved here is underwater with respect to the B owing more than the property is worth. The XXXX County Tax Assessor 's office has again put a market value on the property of {$890000.00}. ( Exhibit C ). With the recent natural and man-made disasters that have befallen the house the value of the property is considerably less than the tax assessor 's valuation, since XXXX dollars are needed to repair and reconstruct the house and property. The amount owed by whichever calculation is considerably more than the market valuation. The Servicer 's working with B as requested would serve a much better purpose for investors, B, and the community than to continue this FC process.
( 4 ) The major contention Borrower has had with Servicers is the failure of OCWEN, XXXX, etc. to credit B for most of {$120000.00} B paid to Servicers including {$10000.00} B paid tax authorities to prevent a tax sale of the property. These figures were established in court cases and communications with XXXX years ago but OCWEN who took over servicing from XXXX on XXXX XXXX, XXXX has not acknowledged receiving B 's money and not crediting the funds to B 's account.
( 5 ) Under RESPA Reg X places a duty on both transferor and transferee during a transfer of servicing for each to identify documents or information that might have been transferred by the transferor and obtain such documents from the transferor servicer. In particular the servicer is required to maintain inter alia a schedule of all transactions credited or debited to the mortgage loan acct, including ( COND )
|
| 09/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage, originally with XXXX, has transferred owners and servicers numerous times in the past few years. It has been owned and/or serviced by XXXX, XXXX XXXX XXXX, Ocwen and XXXX ; all of which have each reported negatively, individually and separately in the different credit bureaus. Thus, rather than appearing as XXXX negative Mortgage in my credit, the different bureaus report the same account negatively with the various Mortgage owners and/or servicers in the XXXX different Bureaus. This repeated negative reporting, without a doubt, has had an enormously harmful negative impact on my credit.
Although this is of great concern to me, the reason for my complaint is because Ocwens deliberate intentions to defraud consumers and the DOJ. In early XXXX 2013, I received a letter from Ocwen, dated XXXX XXXX, 2013. The letter stated that I had been approved for Trial Loan Modification Offer. It detailed an unbelievable balance reduction and an exceptional reduced interest rate. The Offer required that I make XXXX consecutive monthly payments and after I completed the XXXX trial payments, I would receive the official Mortgage Modification documents to be signed, notarized and returned to Ocwen. As you can imagine, I was ecstatic!!! I thought that I had won the lottery, without even playing. I had given up on trying to work with XXXX, XXXX XXXX XXXX, XXXX and now Ocwen, because I had been so unsuccessful in the past. So, I naturally wondered how something so perfect could have ever happened.
However, as I read the letter and the terms of the Trial offer, I quickly realized that something was awfully wrong. The letter from Ocwen, dated XXXX XXXX, 2013, required that I make my first trial payment by XXXX XXXX, 2013 ( 24 days prior to the date on Ocwen 's Trial Modification letter and over I month after I actually received their letter ). At first, I believed that Ocwen had made an honest mistake and I immediately called them. I advised them of the discrepancy between the dates on the letter and the dates of the payments. The representative advised that the Trial Offer was correct, that my first payment was late because it was due by XXXX XXXX, 2013. I explained to him that the letter was received after XXXX payment was due.
So far, I have attempted to address this issue with the Ocwen Rep, who insisted that the letter date was not the issue. Because my payment was not received on time, Ocwen would not honor the " Blind Offer. '' I then attempted to address the issue with the Bank 's previous Attorney and the Bank Rep when we took their depo months ago and again last month when the Banks new Attorney took my deposition. All attempts of resolving the issue were unsuccessful.
Now, I strongly believe that Ocwen never had any intentions of honoring the Modification offer and reduction and that they willfully acted maliciously. I am aware of the agreement, sanctions and settlements between Ocwen and the DOJ. I am aware that part of the investigation and findings against Ocwen led to a substantial settlement agreement in which Ocwen had a substantial quota to meet with terms of offering a certain number of Modifications and principal reductions in order to be in compliance. I now believe that Ocwen and XXXX XXXX XXXX acted in bad faith and that they deliberately sent this letter out to me, as well to a large number of consumers, in order to show that that they were complying ; although they really had no intentions of honoring their offer. This leads me to wonder ... exactly how many of these bogus offers did Ocwen send out? How many more victims are there out there? We go to trial in XXXX and I am at risk of loosing my home, although I am able, willing and prepared to make the monthly payments that were offered to me by Ocwen, but I was never given an opportunity to fulfill.
|
| 05/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
Ocwen and XXXX bank attempting illegal foreclosure with fraudulent documents and a mortgage that was discharged 6 years ago.
1. The Plaintiffs filed their claim for judicial foreclosure on XXXX XXXX, XXXX, at Count XXXX in paragraph XXXX of the Plaintiffs complaint, the Plaintiff alleges that the Default occurred on XXXX XXXX, XXXX about six years after the alleged default by the Sole Home Owner. The Plaintiffs filed with the Court see XXXX XXXX a letter of default on XXXX XXXX, XXXX, but although the letter does not detail a default or any details of the Default. In part the letter explicitly states in small print on the bottom of the document " that if this mortgage was in active Bankruptcy or has been discharged in Bankruptcy the notice does not pertain to the Sole Home Owner '' - this is paraphrased.
2. On XXXX XXXX, XXXX, Debtor/Defendant filed a voluntary petition for relief under Chapter XXXX in the Federal Bankruptcy Court of the District of Columbia. Debtor Declaration, see XXXX XXXX paragraph XXXX. XXXX of the creditors listed on Debtors petition was XXXX Mortgage, who at the time proclaimed to own the mortgage of the home where the Debtor is the Sole Home Owner of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX DC XXXX. XXXX XXXX, Id. At paragraphs XXXX and XXXX docket entry XXXX, which is the Petition for Bankruptcy, subsequently on XXXX XXXX, XXXX, the Bankruptcy Court granted Debtor a discharge of her debts under Sec XXXX of the Bankruptcy XXXX EXHIBIT XXXX paragraph XXXX docket entry XXXX. The Plaintiffs claim for Judicial Foreclosure is therefore conclusively time-barred as discerned from the face of the complaint. XXXX XXXX, XXXX XXXX at XXXX.The Plaintiff entered appearance and had the opportunity to file their action during and immediately post-Bankruptcy discharge of the Defendant, but for unknown reasons to Defendant, the Plaintiff did not show or act timely.
COUNT XXXX THE NOTE IS NOT A GENUINE INSTRUMENT 3. The Plaintiff provided an exhibit which on its face constitutes an allonge, but this allonge was not attached to the Note and the allonge was not numbered as an exhibit. The allonge was redacted to remove the loan number of the original transaction, see XXXX XXXX.
4. The exhibit of the allonge indicated that the allonge was endorsed in blank on XXXX/XXXX/XXXX, by XXXX, the original Lender. The individual who signed the endorsement was XXXX XXXX, the President, and was stamped the Certified Original by XXXX see EXHIBIT XXXX. This copy was provided to XXXX XXXX XXXX of the XXXX office of Consumer Protection Agency via fax XXXX XXXX, XXXX by Ocwen. XXXX mortgage filed Chapter XXXX on XXXX XXXX, XXXX and was indicted for nationwide fraud and shut down ; yet the Plaintiff and their Counsels supplied a new version as of current see EXHIBIT XXXX with a different stamp replacing the Certified Original of The Lending Connection, by XXXX XXXX as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The original purported allonge in blank now bears a new stamp naming XXXX XXXX Mortgage as having standing.
5. There are several issues with this document which the Borrower alleges to be a fraud on the Court and on the Borrower ; a. ) The allonge was not necessary as the Note appears to have sufficient space to place stamps of endorsements.
b. ) The Sole Home Owner has an un-redacted copy of the allonge See EXHIBIT XXXX, which was mailed to her by XXXX, where the loan number appears on the XXXX, on the very top of the XXXX, which the Sole Home Owner has in her possession see EXHIBIT XXXX the allonge included identifying information which indicated that the allonge was faxed to the XXXX the document number is written on the allonge to be DOC XXXX page XXXX on XXXX XXXX, XXXX.
c. ) The XXXX was endorsed in Blank by the Lending Connection. The said allonge has another
|
| 05/13/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
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|
In XXXX of XX/XX/2006, I got approved on a mortgage through American Home Mortgage for a home in XXXX XXXX with a purchase price of {$480000.00}. I was only making {$63000.00} per year and I had child support of {$670.00} per month. My loan officer told me there was a new loan out called a XXXX payment option loan. My fianc, at the time ( now my wife ) was suppose to be getting 60 % of the equity in a home her and her XXXX owned together, once the home sold. My loan officer told me to buy down the pre-payment penalty on the loan, so that once my wife got her money I could refinance the loan into a fixed rate. As things turned out, my Wife 's Ex-Husband ended up having the home foreclosed on and my Wife never got a XXXX from her divorce settlement. Needless to say, someone who makes {$63000.00} per year with child support can not qualify for a home that is {$480000.00}. I should have never been approved for my home. Therefore, I feel I have a strong case of " predatory lending ''. All my loan officer and the loan company were interested in was closing the loan. The full principal and interest payment on the loan was about {$3400.00} per month. I could n't even afford the minimum payment on this loan ; therefore. I came close to losing the property. My wife was trying to work things out with the mortgage company and they said they were going to help us and then turned around and put an ad in the local paper, saying they were going to auction our home off on the courthouse steps. Fortunately, XXXX of my neighbors saw the ad and stopped in to tell me about it. At that point, we got HOPE involved and they forced the mortgage company to help us. The mortgage company restructured my loan, so I would not lose my house, by giving me an adjustable rate starting at 2 % for 6 years at the amount I should have qualified for in the XXXX place and then they took all the extra money they overqualified me for and put it on what 's called the " backside '' of the loan at 0 % interest. They said I only had to make payments on the XXXX half of the loan and this " backside '' is like a balloon payment that would be due whenever I sold the house. This is not a fix. In fact, I just recently got my tax assessment from the XXXX of XXXX and my home is worth {$330000.00} and the mortgage company says I owe about {$500000.00}. My wife and I plan to make our home in XXXX. Therefore, I am being forced to be a landlord, as there is no light at the end of the tunnel. I feel I have a strong case of " predatory lending '', as all my loan officer and American Home Mortgage were interested in was closing my loan, so they could all make money. They did n't think about how all of this would effect me or my wife. An attorney advised my wife and I to walk away from our home and claim bankruptcy but we are good people and we did not want our credit ruined. We have over {$150000.00} in the home ( original down payment, money it cost to save the home & home improvements ), not to mention all the mortgage payments we have paid over the last 9 years. This is a very negative situation for us, that has caused lots of stress in our lives. It has even effected our health. My wife recently talked to the bank and they said they could offer us a deed in lieu of foreclosure or a " short sale ''. These are not options, as they would both mean that we would walk away with nothing and our credit would be ruined. We need the mortgage company to forgive the " backside '' of the loan completely, so we can sell the home and get some of our money back. This is all the money we have in the world. We 'd appreciate your help on this. Please make the bank accountable for their actions and make them forgive the " backside '' of the loan, so we can sell the home and walk away with some of our money and decent credit for our future.
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Our office represents the borrower iin foreclosure and deed in lieu XXXX DIL ) representation.
The borrower was unable to maintain her mortgage payments 7 years ago and was forced to miss payments. She moved out of the property and told the bank the house needed to foreclose. She could not sell or refinance the property because it 's nearly {$200000.00} underwater.
Ocwen Loan Servicing is now the servicer for the loan. XXXX started contacting our office and the Borrower regarding foreclosure and DIL options. Our office confirmed that foreclosure and DIL could occur simultaneously as we needed the fastest result.
The DIL application was sent to Ocwen on XXXX XXXX, 2015 and all additionally requested information was sent on XXXX XXXX. Ocwen confirmed receipt but XXXX did not review the file until XXXX XXXX. XXXX advised that the file was complete and she would send the file to an attorney. I was told the process would be done in 2-3 weeks.
On XXXX XXXX XXXX tells me that the file has been preliminary approved, but that the file still was n't assigned to an attorney. She said once assigned would take 2-3 weeks. It was n't until XXXX XXXX, nearly three months after submission, that we were advised that the title report came back clean. XXXX put in a request to have the DIL documents drafted.
On XXXX XXXX I called Ocwen and I was told no activity had occurred. On XXXX XXXX I contacted Ocwen again and was told by XXXX that the file was still with the attorneys and no documents had been sent. When I asked to confirm the Trustee 's Sale would take place on XXXX XXXX, she stated that the Trustee 's Sale had been put on hold. XXXX advised that Ocwen always put Trustee 's Sale on hold during DIL processing. XXXX then shared that the loan was being service transferred XXXX XXXX.
On XXXX XXXX, I contacted XXXX XXXX phone number XXXX ) in the Ombudsman Office requesting assistance. He advised that he would reach out to the foreclosure department to check into reinstatement and would also reach out to the DIL department about status. XXXX did not call our office back until XXXX XXXX, at which time he stated that he could n't get an answer from either department. I asked him to escalate the DIL with the attorney 's office. He advised that the DIL department had already sent an escalation but he would initiate one as well.
On XXXX XXXX, after failing to hear from XXXX, I called and left him a voicemail. He returned my call on XXXX XXXX, at which time he tried claiming that the bank 's attorney 's office sent the documents out on XXXX XXXX directly to the borrower, but did not have a tracking number or a copy of the documents. He also stated that the attorney 's office tried to contact the borrower directly in spite of the attorney representation our office has on file with the bank. This is a serious ethical violation if it occurred.I asked XXXX for the contact information for the attorney 's office so I could coordinate getting the documents, but after on hold for nearly XXXX minutes, XXXX advised that he could not find the information and would have to call me back. I stressed that time is of the essence as the transfer occurs in less than two weeks.
Ocwen has engaged in intentional misrepresentation by advising that they would continue processing the foreclosure sale even while processing the DIL ( as we advised we wanted whichever could happen first ). Ocwen then spent 4 months inappropriately handling the DIL processing and application. Then Ocwen became blatantly dishonest by claiming to have sent documents that multiple individuals confirmed were never sent. This claim could not even be supported by tracking information or copies of the documents. Then they admit that Ocwen has continued trying to contact the borrower in spite of known attorney representation.
|
| 06/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My name is XXXX XXXX. I am writing in regards to loan # XXXX with Ocwen. In XXXX XXXX, I called and started a modification with you. At that time I became unemployed and my then husband, XXXX XXXX, lost his business. We became over extended in debt. In XXXX, we divorced, which put more strain on me financially. I was approved for a Shared Appreciation Modification, but you allowed XXXX XXXX to cancel it and he put a password on the account.
Because of my financial hardship and not being able to complete the modification, I was forced to file Chapter XXXX Bankruptcy with XXXX XXXX XXXX. The payments were so high, I could not keep up and received a dismissal without prejudice. I then filed a lawsuit in district court which was dismissed in federal court. I continued to go back and forth with Ocwen about my mortgage until I received a foreclosure notification. At that point I filed Chapter XXXX Bankruptcy and it was discharged in XXXX, XXXX. I applied for another modification. During the process, I was told that I would need XXXX XXXX to sign the documents and also a copy of my divorce decree because the loan is in his name.
I provided Ocwen with a copy of my divorce degree show that I had been given the home. Ocwen then told me to apply for an assumption to get the loan in my name. I applied for the assumption and it was approved, pending my mortgage becoming current. The only way that I could bring it current was to get my modification approved. I called the modification department and they told me the Special Waranty Deed that I had included for my assumption was not good enough for the modification. I needed a quit claim deed, signed by XXXX XXXX. I pleaded with XXXX XXXX to do a quit claim deed. By that time, I was told, that my original modification application had expired. I submitted a new XXXX within days.
This happened in XXXX, XXXX. I waited for a response from Ocwen. I called them in XXXX, XXXX and was told that my package was complete. I then scheduled an appointment with an account manager on XXXX XXXX, XXXX. At that time he told me that my house had been foreclosed on XXXX XXXX, XXXX. I was in shock. He told me that I was missing a page from my modification and he was on vacation. XXXX XXXX stated that he had spoken with his supervisor and nothing could be done. He said that a letter had been sent out advising me that there was a page missing from my modification, which I never received. He also said that a foreclosure notice had been sent which I never received either. He told me to contact an attorney and see if Texas is a redemptive state. He said that he could not offer me any more assistance to get my house back.
I then asked to speak with a supervisor. I was told by the supervisor that she could n't do anything to help me and that all proper letters had been sent out notifying me of the missing document and the foreclosure notice.
I contacted an attorney and I have been working with him to get this matter resolved. My attorney was ineffective in dealing with Ocwen, as they poorly communicate from XXXX department to another. I would like to continue with my house back. I paid this attorney {$3000.00} and my house was still put up for auction. I will be evicted on XXXX XXXX, as per the agreement that was made to buy me more time. The plan was to work out something with Ocwen. Nothing has been resolved and I have XXXX daughters who are about to be homeless.
Ocwen totally ignored the rule that the Consumer Financial Protection Bureau put in place regarding loan modifications and foreclosures in XXXX, XXXX. It states : Notify consumers of loss mitigation options and restrict dual tracking. They did not give me any notification about my modification and foreclosed on my home. I need help as soon as possible. My attorney has no idea who to talk to.
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| 10/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
|
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This is the third year in a row that I 've had to contact Consumer Financial Protection Bureau regarding my mortgage company, Ocwen Loan Servicing , LLC . I 've spent hours on the phone over the past month with Ocwen and have spoken with no less than XXXX representatives between their " customer care dept '' and their insurance dept. Every year my husband and I have to provide proof of our flood policy for our condominium. We do n't escrow for taxes and insurance, we pay our own taxes and the insurance is paid through our condo association. Ocwen is trying to collect monies from us for lender placed flood. The biggest and most concerning issue is each time I 've called Ocwen over the past 4 weeks, they 've changed their story about what they 're asking for. My first call on XXXX/XXXX/XXXX was because Ocwen added {$460.00} in escrow to our mortgage statement. I spoke with XXXX, agent # XXXX, in customer care, she pulled the insurance dept into the call and got XXXX on the line who told me they required unit XXXX flood on the property. I informed her that the XXXX master policy, by laws and original mortgage note with GMAC did not require an XXXX therefore Ocwen could n't just decide they require it. The customer care rep, XXXX verified the original GMAC Mortgage note did n't require it and Ocwen has to abide by that. I called back again on XXXX/XXXX/XXXX and spoke with XXXX, agent # XXXX and XXXX in the insurance dept. I explained my call a week prior and XXXX told me she did n't see ANYTHING about an XXXX policy requirement and that Ocwen placed the lender placed flood because they did n't have the flood declarations page from XXXX ( which is the 12 month period our policy runs ). I asked her why Ocwen was just getting around to escrowing for it in XXXX XXXX and she could n't explain it. I took a picture of the requested XXXX page, and loaded it onto their website www.mycoverageinfo.com. XXXX called me back an hour later and left me a voicemail, which I have, that states she received the requested XXXX page and would request the escrow be removed from my account. I called a third time on XXXX/XXXX/XXXX and spoke with agent # XXXX ( could n't understand his name ) and he proceeded to tell me the issue was they did n't have proof of flood from XXXX XXXX/XXXX/XXXX, which does n't make sense because 1. ) my policy runs XXXX XXXX to XXXX XXXX, and 2. ) I have a voicemail acknowledging receipt of XXXX page XXXX ... does n't XXXX XXXX, XXXX fall within that time frame?! and 3. ) why did they add the escrow to our account XXXX XXXX if they placed lender placed flood in XXXX XXXX??!!!! He transferred me to XXXX in insurance and she did n't show ANYTHING about XXXX. I made my XXXX call to Ocwen insurance on XXXX/XXXX/XXXX and spoke with XXXX XXXX and she confirmed a refund was issued on XXXX/XXXX/XXXX, but did n't know the amount. I made me XXXX and final call to Ocwen today, XXXX/XXXX/XXXX, spoke with XXXX, agent # XXXX, he told me the account was past due, which it is n't and proceeded to tell me I owe for the amount of the lender placed flood from XXXX, I asked for a supervisor because I have no patience for stupidity anymore. He transferred me to XXXX, agent # XXXX, she again told me I owed for the amount of money Ocwen paid out for lender placed flood for XXXX. I informed her that it is n't my problem if Ocwen ca n't process a XXXX page the first time they got it back in XXXX XXXX AND if they 're too incompetent to realize the XXXX page policy is for XXXX XXXX/XXXX/XXXX and XXXX falls within that year. The XXXX XXXX page was sent to them timely and probably sent another 5 times to be sure they 've received it due to their incompetence. I ended my call by telling supervisor XXXX that I would be contacting Consumer Financial Protection Bureau. I 'm done wasting my time.
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| 06/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Settlement process and costs
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Web |
Older American |
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I requested a settlement on the account. The issues raised were also sent to the New York Attorney General Office and XXXX Finance Mortgage Division and the Liquidation Trustee for XXXX XXXX XXXX. Ocwen has failed to address any of our factual concerns relating to collecting on a Home Equity Trust that was part of a XX/XX/XXXX DOJ Consent Order and a Bankruptcy Order liquidation of claims prohibiting collection activities on a debt.
As part of the XXXX Report key objectives for Ocwen Loan Servicing LLC .
1 ). The New York Consent Order Compliance ( XXXX XXXX ). The Consumer Financial Protection Burueau ( CFPB ) 3 ). National Mortgage Settlement ( NMS ) Compliance Requested Escrow Termination On XXXX XXXX, XXXX I received the Escrow Account Statement dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX, a request was submitted to terminated.
We received a denial blanket response from Ocwen dated XXXX XXXX, XXXX. The Research Team stated XXXX Taxes payment was due in 25 days therefore the Escrow could not be terminated. As noted, Ocwen pays the Taxes XX/XX/XXXX years prior which is enclosed. There were 60 calendars days for me to send in the payment and you failed to respond. I 'm still requesting termination.
Also The XXXX XXXX is due in 180 days from XXXX XXXX. You failed to respond the specific reason why you are requiring an Escrow account.
It was also stated that we had a negative balance in our Escrow. Analysis. Ocwen Loan Servicing was sent XXXX Finance all tax payment history and bills on XXXX XXXX, XXXX for an Escrow. Ocwen failed to address the concerns.
We sent the payment of {$2500.00} as stated and they still mis applied the payment and stated we still owe and have not addressed the termination of the escrow account. It appears that Ocwen is " throwing figures around '' and incorporating attorney fees in the amount due. I do n't understand how a payment can jump from {$970.00} to {$1800.00}.
Ocwen as XXXX, the owner of the loan is XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to the Pooling and Servicing Agreement ( PSA ) this loan was never securitized. This is also noted as to the POC XXXX XXXX submitted in the Chapter XXXX case which is enclosed for your reference.
Ocwen. acquired the Home Equity Loan loan 18 months later in XX/XX/XXXX which was part of the their unsecured claim in the Chapter XXXX case. There 's no contractual agreement in order for Ocwen to be collecting on the alleged loan.
The Fair Debt Collection Practices act under Unfair Practices states " there is no present right to possession of the property claimed as collateral '' through an non -enforceable security interest ; and the false representation or implication that accounts have been turned over to innocent purchasers for value is prohibited. Ocwen has created the false representation or implication that documents are legal process of collecting a debt that are not enforceable.
Thus far, Ocwen has collected over {$280000.00} since the claims were adjudicated for the case. We have requested the money to be refunded which they have refused to do so. In addition They have made no effort to adhere to item XXXX of the Security Deed titled " Loan Charges '' If the loan is secured by this Security Instrument is subject to law which sets maximum loan charges and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceeded permitted limits ( A ) any such loan charges shall be reduced by the amount necessary to reduce the charges permitted limit and ( B ) any sums already collected from Borrower will be refunded. If a refund reduces principal Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to the Borrower
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| 04/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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XXXX XXXX, XXXX - XXXX XXXX, XXXX We filed a complaint of discrimination/Race [ XXXX ], against OCWEN Loan Servicing LLC, XXXX XXXX, XXXX.
We filed for mortgage loan relief XXXX XXXX, XXXX. That 's when we discovered OCWEN was indicating they had control of the note. During the same time period, on XXXX XXXX, XXXX, the Department of Justice announced the Federal Government and State Attorneys General Reach an XXXX Agreement with the XXXX Largest Mortgage Servicers to Address Mortgage Loan Servicing and Foreclosure Abuses, in which OCWEN was a named co-defendant [ see OCWEN attachment ].
OCWEN 's behavior was under scrutiny for homes that were sold or taken in foreclosure XXXX XXXX, XXXX thru XXXX XXXX, XXXX. Violations include servicers ' use of " robo-signed '' affidavits in foreclosure proceedings ; deceptive practices in the offering of loan modifications ; failures to offer non-foreclosure alternatives before foreclosing on borrowers with federally insured mortgages ; and filing improper documentation in federal bankruptcy court. Mortgage servicers are required to fulfill these obligations within three years. To encourage servicers to provide relief quickly, there are incentives for relief provided within the first 12 months. Servicers must reach 75 percent of their targets within the first two years. Servicers that miss settlement targets and deadlines will be required to pay substantial additional cash amounts. During this time period, OCWEN was doing the same offenses to me and my family, while trying to keep a low profile as not to show up on the United States Department of Justice 's Radar.
The following is a short list OCWEN 's wrongdoings : 1. We never signed a mortgage agreement/note with OCWEN Loan Servicing , LLC .
2. We never received the official turned down 's on the companies letterheads stating we were in fact turned down or did not qualify.
3. We did not receive any correspondence under " Truth in Lending '' that OCWEN Loan Servicing , LLC had acquired our loan without notice to us in writing.
4. OCWEN used XXXX ( XXXX ) non-english ( first language ) speaking relationship managers, that acted like they could not discern between " XXXX and XXXX '', which delayed processing our application by weeks.
5. XXXX XXXX HUD 's primary investigator assigned did not know what and immediate eviction notice meant. I have his statement in writing.
6. XXXX XXXX HUD 's primary investigator 's supervisor verbally attacked me on a phone conversation summarizing " I was a trouble maker, wanting something for nothing, low life with issues, etc. '' I have emails to XXXX HUD responding to the unprofessional behavior of that supervisor 7. After multiple attempts to strong-arm my family into signing a modification, which would legally give OCWEN control of the note, XXXX HUD switched their ploy, into requesting homeowners insurance that had nothing to do with our complaint, which we objected to giving for that reason.
8. We received a letter, dated XXXX XXXX, XXXX, from XXXX XXXX XXXX, Regional XXXX Director, Office of Fair Housing and Equal Opportunity, stating the investigation was completed and the complaint dismissed, stating ; " HUD has determined that no reasonable cause exists to believe that a discriminatory housing practice has occurred ''. I find that interesting, due to the fact we were never allowed to give our side under the " auspices '' of the investigation, of what had occurred. We have the emails that state though facts to relevant and credible parties, including XXXX XXXX XXXX, HUD OIG who did not answer our inquiry as to the 100 day estimation of how long the investigation would take, ran over a year.
9.Furthermore, OCWEN Loan Servicing , LLC conspired with XXXX HUD to ensure they would not be found guilty of discrimination.
see Addendum
|
| 01/21/2017 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
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|
Starting around XXXX, my house was unlawfully foreclosed on, without my knowledge, as I was never lawfully served. I was made aware by an advertisement I received in or around XXXX XXXX. NONBANK Ocwen Loan Servicing, a Florida corporation the has no license posted on its website to operate in New Jersey and with whom I never had a contract, and its attorneys, was escorted through the XXXX XXXX, NJ XXXX XXXX and New Jersey State XXXX court behind my back. Through backdoor dealings with corrupt Sheriff XXXX XXXX of XXXX XXXX, and unlawful sale od my private property occurred inXXXX, at which time the Federal government had frozen all of Ocwen 's mortgages and they " would not foreclose '' per their own website. On XXXX XXXX, a vicious assault occurred against me that also affected my neighbors, family and pets. XXXX 's office literally threw me out of my private property and destroyed all my furniture and destroyed nearly all of my personal possessions. My property was being thrown out own front of me and I was not permitted to take anything after the initial 15 minute process. Deputy Sheriff XXXX, who coincidentally has the same last name as the representative of the moving company, forced his way into my home under the hammering threat of arrest without providing me a warrant or signed court order. As a result, several of my pets were XXXX and my family and neighbors traumatized and/or were threatened by arrest. This rendered my homeless and with very little possessions. In the past year, I made several court filings in XXXX XXXX, the State of New Jersey and the New Jersey XXXX XXXX.
I have involved the US DOJ, and on its request, the FBI now has a file on my situation. I 've also brought this to the attention several NJ XXXX and XXXX.
I received a letter from Ocwen Financial, dated XXXX XXXX, XXXX -- 22 days after my unlawful eviction and unlawful search and seizure of my home by corrupt Sheriff XXXX 's office under hammering aggressiveness threat of arrest by Deputy XXXX. ( XXXX is also the last name of the Moving company 's rep. XXXX? Organized crime? ). Ocwen was the Plaintiff in this unlawful foreclosure. The letter stated that they sold my [ fraudulent ] mortgage to XXXX XXXX Loans in XXXX XXXX. So they " could not assist me at this time. '' They had no proof of contract. That is because a contract never existed, a fact on which I have stood firmly throughout this unlawful process. The Plaintiff has the burden of proof and this proof was NEVER presented to the courts ; yet, they allowed this NONBANK [ as referred to by the XXXX, XXXX, etc ] Ocwen Loan servicing, a debt collector, to proceed and acquire a mountain of fraud-based documents against me. Additionally, if the [ fraudulent ] mortgage was sold in XXXX XXXX, how could they remain the Plaintiff for an unlawful sale of my private property in XXXX of XXXX? This unlawful Sheriff sale occurred while the Federal Government had frozen all of Ocwen 's foreclosures and Ocwen " would not foreclose '' per their own web site. Ocwen is a Florida Corporation that does not post a license to operate in New Jersey, as they do with other states and is required by XXXX XXXX.
I have involved several entities from the FBI to the XXXX, several media agencies, politicians and attorneys. I also am building a suit against a moving company and storage facility that knowingly breeched its own contract and policies on three counts, as almost everything I own was damaged, stolen or missing.
The perpetrators of this brutal assault against me have gone unpunished and I am suffering a great deal of trauma from their crimes. This heinous crime against me must be corrected.
I am checking " Problems when you are unable to pay. '' below, though this is not the case. I had to check some thing to submit the form, but none applied.
|
| 08/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
|
|
XXXX XXXX v.Ocwen, loan # XXXX for : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I would like to file a complaint vs my current loan processor ( ocwen ) for failing to adhere to terms of settlement rendered offering me mortgage assitanc., I lost my job with an insurance co. that went under. I fell behind on house payments and asked my co. then ( Litton ) to help me the house was XXXX under water already. I started working and tried to present requests for help to Litton.It was run around and they raised my pmnt even higher, and filed a foreclosure. They did not offer me due process, even as I showed ability to pay. I now own my own business XXXX. I am a XXXX in my field and now require the help of one ... you folks. Back in XXXX and XXXX when served papers for foreclosure and not a clue how to defend myself ... I hired an attorney for over {$3000.00} ( money which could have gone to late payments had Litton offered help, and not try to take my home unjustly ) in the end the attorney got paid, nothing got done and he flat out told me I needed to short sale. In despair, but trusting his " advice '', we contacted a realtor to list the home and begin the short sale process. Then I was informed that I was responsible for realtor fees and also the credit line on the home even after the short sale. I go back to my " attorney '' and he informed that " Oh yeah ... maybe you should just file chapter XXXX and give up the property '' I had over XXXX credit score when this all took place. Today this continues to be the only black mark. They ( Ocwen & Litton ) have destroyed my life. I take responsibility for getting fired from a failing co. which went under, but they need to take responsibility for failing to work with me in good faith. Under the worry of having the XXXX show up at our door, asking to vacate ... my wife and I moved out in XXXX and rented a place in the same community. We were model tenants for 4 years and paid a $ 1300 monthly rent, not only on time, but early every month. We have been just as responsible we our other obligations during and since. We even kept insuring the home out of our pocket for the time we already served with foreclosure until we vacated. We did so in good faith as opposed to having them put a forced placed policy. I had hopes of coming to terms with Litton and saving our home. My wife did I, did not buy with 0 % either, we gave XXXX of our money on this property. We were also done an injustice by being locked into a 3 year non-refinance clause at initial purchase. We were not told that until we were at closing table. That came to play a big role later in us not being able to refi prior to falling behind with Litton ( who then sold the loan to Ocwen ) After I finalized my bankruptcy and was cleared of all debt related to this house, I could not understand why they had not foreclosed on it. When I contacted Ocwen to deed it back to them, their letter also offered the option to now modify ... even after my bankruptcy. I had also received a small settlement as part of the wrong doing by Ocwen. The property sat empty and in limbo for 4 years. I have since moved back in an attempt to modify it under the new govt programs and to stop the liens from piling. The home was hit with city liens for being overrun while under the care custody and control of Ocwen. It became run down as a result, needs investment to bring back and still has liens. Ocwen is now cheating me again. They have denied my application for debt reduction and do not give me reasons or how to re-apply. They also put me under a very short to reply or the offer expires. What they offer me is to pay for a home I can never own nor sell. They are still trying to put all the financial loss on me. They are simply complying by taking my application, but no effort in good faith. thanks
|
| 02/28/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I refinanced my home XX/XX/XXXX with XXXX and soon after learned they bait and switched us on several terms and some documents wasnt even our signature. We was unable to resolve issues and in XX/XX/XXXX i fell behinde on payments and was given a forebarance plan which i paid on time. My last payment on the plan i XXXX XXXX the agreed amount to them on time i should have been back on track instead XXXX refused the XXXX XXXX payment and put me into forecloser. What a night mare they would not work with me at all and the home was a foreclosure by advertisement and the bank bought it back so there was a sheriffs deed and in deuch bank name. During the redemption peroid i filed a lawsuit on ameriquest and duech bank. The case went on for years and my mortgage was sold about a dozen times. XX/XX/XXXX ocwen mortgage thru its attorney with XXXX promised me a sweet loan modification if i would in turn drop my lawsuit which in exchange i did because my only intrest was keeping my home. I jumped thru all the requested hoops by ocwen and their attornies. They made it very hard on me constantly requesting the same documents over and over again with short dead line times..even after i would send they would request it again and again. I finally got the modification and i really was not happy with the terms because i was already foreclosed on in XX/XX/XXXX but ocwen was sneaking in all the back payments concidered defiscency balance into the modification. Under michigan law at time of foreclosure states that if foreclosed upon by advertisement such as my case the bank is not entitled to deficency balance. I tried explaining this to them but they didnt listen. Not only that but it would have put me almost XXXX. In bebt on a home with a now value of from XXXX. To XXXX. In todays market and the homes current condition. And they added a ballon payment in the terms which i was not fond of but the payment and intrest was low with taxes and insurance the modification payment was XXXX. A month so i took the deal. The agreement was if three on time trial payments was made on time that the permanate modification would be issued to me and the home put back in my name. I paid all my trial payments on time and submitted all the requested documents that they requested over and over again. To both ocwen and its attornies in XXXX and it should have been a wrap. Months went by and the home was never put back in my name and was never issued me a redemption certificate as they should have. It was all a scam to get me to drop my lawsuit. When i called to find out why i never received my permanate loan mod and why the home was never put back in my name under a redemption a XXXX at ocwen got XXXX with me and lied said i never made the trial payments on time and in fact i did. I blew up got ahold of my attorney to contact ocwens attornies to find out what is going on and why. XXXX attorney told and promised my attorny that it would be looked into and i told my attorney untill i get the the perminate modification and put the home back in my name under redemption that i would not be paying any more money because im not going to pay on a home that is in the banks name. Now ocwen is threatening foreclosure and i now reporting to XXXX what they did and they are telling stories and lies talking about things not even relavent to matter at hand. Its my opinion they might be the same ameriquest people under the name of ocwen and committed fraud bribed me with a loan mod if i drop lawsuit and now they got what they wanted they are trying to XXXX not live up to their end of the deal now. All i want is my home put back in my name with a fair mod with fair terms. Also at time of the mod i filed for divorce XXXX at ocwen requested copy of divorce decree and sign quit claim deed by ex and now saying wont remove ex
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My loan was sold without my knowledge from GMAC to OCWEN. OCWEN began to fail applying my monthly mortgage payments for the months designated when sent by automatic bill pay from XXXX XXXX. OCWEN forced my mortgage into arrears by holding payments before applying them, then alleged I was behind. I did not receive notice that my fixed mortgage payment changed. OCWEN verified that my mail was returned undeliverable and knew that I never received notice of a rate increase. My fixed mortgage payments were set up for years on automatic bill pay with my bank. My mailbox was stolen off of my house and I purchased a PO Box to protect my mail. I was unaware that my mail had been returned or that the fixed rate had increased as it was supposedly FIXED. OCWEN later said it was an escrow shortage. OCWEN prematurely initiated a foreclosure on my house, despite my regular payments. I contacted OCWEN customer service to gain clarity as to how my mortgage payments deducted monthly from my bank could be in arrears. They assured me that my house was not in foreclosure. They initiated foreclosure while I was trying to unravel what occurred, but I did n't receive the filing and was unaware of any legal action pending. I could have immediately paid any escrow shortage. During that time, my bank continued to make my monthly mortgage payments to OCWEN. I was unaware a foreclosure had been filed. OCWEN began breaking into my home, attempting to prepare my house to sell while I was still in it, before the foreclosure was initiated and while at all times I owned it. I was diligently trying to resolve the issue. It was not logical for my house to be in foreclosure or behind when I paid monthly by automatic withdrawal from my bank. The OCWEN rep assured me that my house was not far enough behind to go into foreclosure. Suspiciously, without warning, all of my paperwork was removed from OCWEN 'S website, preventing me from obtaining my payment history and tax records. I called OCWEN and they refused to speak with me. I then discovered that XXXX had been illegally entering my house since XX/XX/XXXX, before a foreclosure action was initiated. They eventually stole everything out of my house, apparently in an effort to sell it to investors illegally. XXXX admitted that they entered my house at the direction of OCWEN. They had no legal authority to enter my house. At all times, I was paying my loan. In XX/XX/XXXX, they stopped applying my loan payments, but did not return my money back that was automatically deducted from my bank account. I have requested a loan payoff quote multiple times for almost a year, but they have refused to provide a payoff quote in violation of the law. It took them almost a year to review my payment history and provide it to my lawyer. I still have n't received a payoff quote. XXXX admitted they took pictures of my property inside my house, but refused to identify the property or return it. They broke off my locks twice and replaced with their locks without any legal authorization or right to do so. My home is in an area being gentrified by major private corporations, including : the XXXX XXXXXXXX Hospital ; and XXXX XXXX XXXX XXXX. Upon information and belief, they are trying to steal my house to sell to investment companies buying up my neighborhood and driving out all XXXX who owned houses in this neighborhood. My house is historic and they are attempting to steal it without paying market cost by initiating an illegal foreclosure. They have taken most of the houses in my area by paying below market rate for the majority of homes that predominantly belonged to older XXXX who did not have the resources to resist or fight back. OCWEN should not be allowed to get away with stealing homes by initiating illegal foreclosure actions against XXXX who do n't want to sell.
|
| 12/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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We received our county school tax bill in beginning of XXXX 2015 and immediately mailed it to our mortgage loan company, Ocwen Loan Servicing, on XXXX/XXXX/15. We followed up with repeated phone calls to insure Ocwen received this tax bill and would be paying it at the discount value. During a call on XXXX, we were informed Ocwen had still not received the bill, so we were instructed to email it to the tax department, which we did. On XXXX, Ocwen customer service representative XXXX told us that our bill was paid at discount value of {$3700.00} on XXXX. Therefore, we thought this issue was resolved until we received a letter from county tax collector on XXXX stating that our school tax payment had not been received. That same day we immediately called Ocwen and learned the XXXX payment had been mailed to the wrong address and was returned uncashed to Ocwen on XXXX. In running an escrow disbursements report on Ocwen 's online portal we discovered that another payment was issued from our escrow account at tax bill face value {$3800.00} on XXXX. The report then showed this payment credited back to our escrow account on XXXX. During the XXXX call to Ocwen, we were told a third check would be issued at penalty value {$4200.00} and that Ocwen would absorb all penalty fees. During this call with Ocwen customer service, we relayed the correct mailing address and payable party from our copy of the tax bill that was sent to Ocwen XXXX XXXX in XXXX 2015. On XXXX XXXX tax collector had still not received our tax payment, so we called Ocwen and spoke to customer service representative XXXX, who told us a new tax payment was dispersed on XXXX and to allow extra mailing time due to the XXXX holiday. On XXXX XXXX tax collector had still not received our tax payment ; she asked that Ocwen call her directly. On XXXX at XXXX we spoke with Ocwen escalation manager named XXXX ( agent ID XXXX ) who said she would look into our situation and call back- she said she could not call our tax collector because she did n't have enough information to do so. At XXXX that same day, XXXX called back and said she tracked the tax checked mailed XXXX and it was en route back to Ocwen because it was mailed to the wrong address again. We again relayed correct mailing address and payable party from our copy of the tax bill that was sent to Ocwen XXXX XXXX in XXXX 2015. XXXX said she 'd have the tax dept reissue the check tocorrect address and have it sent via overnight. On XXXX at XXXX we left a voicemail for XXXX to find out status of tax payment ; she called us back at XXXX and left a voice mail to call her back, which we did that same day at XXXX. Today is XXXX ; we have called XXXX and left messages. We have called Ocwen customer service asking to be transferred to the escalation dept but was told that depts phone lines were down. Today we ran an escrow disbursements report on the Ocwen online portal and funds have not been credited back to our escrow account for the XXXX tax check mailed to the wrong address. There is also no evidence that a new check has been reissued or mailed overnight. XXXX XXXX tax collector confirmed today that she has not received our tax payment. If she does not received our tax payment check this week, funds will need to be guaranteed funds- cahiers check, money order, cash. Our tax payment must be received XXXX XXXX tax collector by XXXX XXXX, 2015 ; otherwise the case goes to tax claim agency. Our loan has been at Ocwen Loan Servicing since XXXX 2015 and has been greatly mismanaged. In addition to this tax issue, our hazard insurance was paid 9 months before it was due because Ocwen did not have paperwork filed properly. It 's very difficult to get someone on the phone at Ocwen that can help with any situation because one dept has no idea what other depts are doing.
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| 07/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My issue is with Ocwen Loan Servicing LLC. I was approved for a modification and followed all of the guidelines and made my payments and then they failed to send the permanent modification paperwork. I followed up with them repeatedly to try and fix this problem but I fell between the cracks. I still tried to pay them but they refused to accept the modification payment and told me instead I needed to pay back all missed payments. I have spent over one year going back and forth trying to fix this problem with no success. I am now facing a foreclosure sale date on XX/XX/XXXX. it never should have come to this, I have a very good job and can document strong finances that would allow me to be able to afford a payment for a modification plan. The fact that I was approved for a plan, and then due to incompetence Ocwen did not follow through is leading to me losing my home. This is not right or fair. When I call in to try and find out what is going on with my case and my file I get transferred from department to department and no one can give me any answers. Then I receive letters twice a week from Ocwen telling me they can help and encouraging me to apply for assistance. Of course when I do apply, I go into limbo.
A few years after purchasing my home I needed to do some repairs so I refinanced in XXXX. I was not aware until I got to the signing table that I had been the victim of a bait and switch and that I had entered into a predatory and toxic adjustable rate loan. My payment began going up, and both of my parents were very ill and I had to help to care for them and take a lot of time off of work in XXXX. During this time frame I was diagnosed with XXXX which made things even worse. Not long after my parents passed and I had to help manage and settle their affairs and cover costs. To make matters even worse, I lost my job in XX/XX/XXXX due to the recession.
As soon as I began defaulting on the loan I attempted to work with the bank but found it difficult to navigate, so I hired an Attorney. Working with him there was no progress so I ended up hiring the Attorney who was helping us with my parent 's estate. In XXXX we were finally able to negotiate a modification, and I began making the monthly payments as agreed, even though they were more than 50 % of my monthly income. As it became apparent that this situation was not sustainable my Attorney reached out to Ocwen to question the terms of the modification. Ocwen 's agents admitted that an error was made in the calculation of the terms of the modification, and agreed to open a NEW application for a more affordable modification based on the correct financial information. This review ended up dragging on for almost another year. Eventually, I was approved for another modification and began making the monthly payments. By this time my financial situation had improved as I had a great and stable job. I was very happy to have put this behind me and made the payments as agreed as I waited for the permanent modification papers. These never came, and I soon drifted into a black hole. Despite repeated attempts to contact Ocwen, I have yet to make any progress on this issue. I call in and get transferred from department to department and often end up speaking with customer representatives who speak very poor English and are difficult to understand. I request repeatedly to have a review initiated on my case but get nowhere. At the same time I receive multiple applications in the mail to apply for help, but after I complete the applications and send them in it is like they don't exist.
Ocwen is a bad company and I have read that they were fined billions of dollars by the Department of Justice and the CFPB for unethical foreclosure practices. They are still engaging in these practices, please investigate this situation.
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| 04/12/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
Older American |
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We have been dealing with Ocwen Mortgage for approximately 10 months regarding an equity line that matured in XXXX XXXX. They have been sending correspondence for payment of the entire line. Unfortunately we did not realize that we had to pay the entire amount of the line in ten years so we were surprised to get a payoff letter. However, the balance owing was very high and we questioned it. We asked numerous times for copies of the checks written against the line. We requested on the phone and we requested in writing. Sometimes we were told on the phone that they could n't provide that. Other times we were told to contact their Research Department. We did contact the Research Department by phone and mail and all we ever received from that department was letters in the mail saying we have received your request and will get back to you. They never got back to us addressing the issue or providing copies of the checks. We just continued to get the same form letter saying that they received our request and it typically takes 10 days to respond but if not, they would respond within 30 days. Never once did they reference the reason for our request nor address our request. We received numerous calls from Ocwen from different people and they all say the same thing and they never addressed the specific concern we had. Finally, about XXXX of this year we received a call from Ocwen and this woman was very nice and seemed to be interested in what we were saying. I advised of our many attempts to get copies of the checks written on the account. This woman said she could do that and put me on hold. She came back and said it was XXXX pages and she was sending them to me. She did send copies of the checks. We added up the checks more than once and they amounted to {$100000.00} ( $ 500+ ). The amount showing owing at maturity was $ XXXX. We asked for a reason for the discrepancy and after a number of requests they finally responded and advised that the loan was transferred to them from XXXX Mortgage XXXX XXXX XXXX in XXXX and the amount of the loan at that time was {$190000.00}. I do not know who XXXX Mortgage is.. We never withdrew money on the account from a bank or ATM. We only wrote checks and when the checks ran out, we did not order any more. The same woman we had spoke to before at Ocwen happen to call again and she confirmed that that was all the checks written on the account. We made monthly payments on the account, as required, and thought that we would be making the payments for 30 years and that was all we had to do. After XXXX XXXX Ocwen advised that we not send any more payments and that the loan had to be paid in full. Now my husband and I are XXXX and Ocwen is threatening foreclosure. Somehow, we did not understand clearly what we were getting into when we were offered the line of credit by XXXX XXXX, who is the original lender. When we contacted XXXX XXXX they advised that they had none of the files and that everything had been turned over to XXXX Now that we understand that the entire amount has to be paid off, we can not get Ocwen to explain why we are being charged {$190000.00} for the {$100000.00} that we used. This has gone on almost a year now. We have been in our house 43 years and are fearful that XXXX day they will just foreclose on it and there will be nothing more we can do. They have recently added a foreclosure fee and title search fee along with other amounts to our loan. I 've been told that I better find an agency that can help me get this resolved because Ocwen says it 's nothing they can do about the issue. They said that they would send us mortgage documents and what they sent us was the original agreement for the line of credit that said we had a {$200000.00} line of credit that we can draw on at any time. I desperately need help with this.
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| 01/29/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX, I requested American Home Mortgage Servicing , Inc. to provide evidence that they had the right to foreclose on our primary residence. I received a letter from XXXX XXXX, Loan Administration Research Specialist, on XXXX/XXXX/XXXX. Per my request, she included a copy of the executed Note and Deed of Trust from the closing of our loan. She also stated the owner and Note holder for the loan is Option One Mortgage Loan Trust. The documents provided by XXXX XXXX did not include an allonge or any assignments or transfers of our Note or Deed of Trust to a securitized trust. We did a title search in XXXX XXXX. The title search revealed that our original lender, Option One Mortgage Corporation, was in XXXX lien position.
In XXXX XXXX, XXXX f/k/a Option One Mortgage Corporation filed a fraudulent assignment of Deed of Trust in XXXX XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings.
Declaration from President of XXXX XXXX XXXX from XXXX states that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages.
Affidavit from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is a listed on XXXX Property Analytics Approved Robo-signers list.
OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed in XXXX XXXX in the XXXX XXXX XXXX XXXX office void.
We filed a lawsuit against AHMSI in XXXX XXXX. Discovery with AHMSI revealed troubling discrepancies including but not limited to the authenticity of the loan documents, the transfer of ownership of the loan, the alleged inclusion of the loan into the securitized trust, the limitations imposed by the securitized trust, and payments made on the loan. During discovery, AHMSI 's attorney produced an exhibit on XXXX/XXXX/XXXX that was to be a true and correct copy of the Note and Deed of Trust that was executed on XXXX/XXXX/XXXX that relates to our Loan and Property. We could not admit that this exhibit was a true and exact copy of the Note and Deed of Trust that was executed on XXXX/XXXX/XXXX because the exhibit included a blank allonge that was not present during our closing.
Then on XXXX/XXXX/XXXX, their attorney claims to have the original wet ink promissory note. At this time, they have produced an allonge that is now stamped to provide a special endorsement in favor of " XXXX, as Trustee. '' The allonge is dated the same day as our loan closing. We were able to examine the loan file a short time after. The purported allonge was not affixed to the Promissory Note and was not notarized. The allonge did not mention the securitized trust. It is unclear when the alleged allonge was changed to specially endorse the note in question to the trustee, but it does raise questions as to the veracity of the alleged special endorsement via allonge. There were also copies of XXXX assignments of deeds of trust that were not assigned to the trust.
We made a request to Ocwen in XXXX XXXX, to provide the collateral documents that give them the authority to foreclose on our home. Ocwen submitted the Note with the alleged stamped allonge and an assignment of lien that does not reference the Deed of Trust that was signed on XXXX/XXXX/XXXX, which is recorded in Doc # XXXX. Ocwen also claims they are unable to provide the original wet ink documents.
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| 08/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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ATT : CUSTOMER SERVICE LOAN ID : XXXX CFPB Complaint # XXXX/XXXX/XXXX XXXX XXXX XXXX is the Servicer on my mortgage ( XXXX ). One West Bank ( XXXX ) is the Investor on this mortgage. The mortgage originated with IndyMac XXXX/XXXX/XXXX. One West Bank has held homeowner in extended processing for over 5 years. XXXX XXXX is XXXX of the original Servicers along with XXXX. Currently XXXX the servicer is not evaluating documents properly. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, lost statement of income/ proof if income : then denied without explanation.
The most recent denial was on XXXX XXXX, XXXX. Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/XXXX and shows homeowner can possibly qualify for a modification. Homeowner has been in default since XXXX/XXXX/XXXX.
Homeowner is formally appealing the denial based on errors in home value, income and comparable recent sales : recent comp is {$230000.00}, sold in XXXX XXXX, XXXX. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show more than 2 errors on the processors side : 1. The estimated homeowners value is overstated ; off by {$290000.00} 2. Current street value of the home is {$230000.00} as of XXXX/XXXX/XXXX.
3. Current Street Value base on recent comp sold at {$230000.00} XXXX/XXXX/XXXX.
The servicer has commenced double tracking while homeowner was acting in good faith under the XXXX XXXX Agreement : the National Mortgage Settlement Agreement. Servicer has denied the homeowner a modification when was qualified.
The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided.
This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person.
2. A Single point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''.
3. The servicer has held the homeowner in extended process in bad faith, during which the value of property has increased and fallen for 960 days from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX.
4. On the last RMA application : all requested documents were provided as requested. Homeowner has confirmation via fax that documents were received by the service, bank claims that documents lost.
5. Homeowner has made numerous calls ( XXXX ) inquiring on status of application, as a foreclosure date has been set and reset ; calls were routed to next available collection department agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because documents lost, or D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowner.
6. Servicer started a double tracking procedure upon the notice of default. The foreclosure agent was aware of the loan modification in process, and moved forward with the double tracking anyway.
This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith.
7. Homeowner has not been updated with date of foreclosure sale.
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| 11/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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We are writing you to express our displeasure in the handling of our mortgage account by Ocwen. Since Ocwen has acquired our loan as of XXXX XXXX of XXXX, it has not been a rewarding experience on any level. Some of Ocwen 's correspondence reads ; " At Ocwen, we strive to provide service that will exceed your expectations. We are here to build a mutually beneficial relationship, rectify any problems, resolve and issues, and assist you with your needs '' Unfortunately, Ocwen has not made good on those stated promises.
Ocwen 's negligence in handling my loan has had a profound effect on our well-being and pursuit of happiness. We have been constantly denied for credit due to a low credit score mostly attributed the derogatory information erroneously placed by Ocwen in our credit report. We are currently paying astronomical interest fees on our accounts and are struggling to keep up with payments that have fallen behind. We had to lower our food budget to {$50.00} a week for a family of XXXX. We have taken drastic measures to keep our mortgage current, including delaying payments to other creditors.
We have written and called several times with no resolution from Ocwen. Please note that around the time the modification, in XXXX, we experienced a major job loss. We also experienced a traumatic event with the premature birth of our daughter who spent over XXXX months in the XXXX. To add insult to injury we were hit with a hefty medical bill that we were forced to pay by Hospital lawyers. In spite of all these major challenges, we kept up our side of the agreement and made on time payments.
During the time of the modification process, we called in to let Ocwen know of my challenges without any care or concern from them. I even asked Ocwen in good faith to credit the late fees and Ocwen declined. A request for escrow suspension was attempted several times to no avail. Even after the modification process was completed, I kept up constant communication with Ocwen asking for resolution to no avail. Ocwen took as much time as they wanted to process the modification while reporting our payments delinquent. There were over a year 's worth of delinquency unfairly reported. I was also informed that many of our payments during the modification process were miss-applied although we were faithful with our payments.
We are having a hard time comprehending how a company entrusted with so much wealth could in conscience rob the very people they claim to " help ''. If anything, Ocwen has helped us into debt, stress, and overall lack of quality of life. If our perils were n't enough, we experienced yet another major reduction in our income as of XXXX XXXX and yet we still struggled to pay the mortgage to date until the most recent increase caused us to fall behind.
Prior, Ocwen notified us of the opportunity to file for recast as provisioned in the HAMP program. We sent the recast to Ocwen on XXXX XXXX, XXXX. Ocwen sat on the paperwork for months and the recast was not processed till XXXX XXXX. The recast was short lived as of XXXX XXXX, the payments were increased. In addition, a letter was sent by Ocwen notifying us of an escrow shortage and yet another increase would commence in XXXX XXXX.
We are therefore seeking to understand what is Ocwen 's underlying intention. Are they seeking make conditions favorable to them in order to usurp our property after 10 years of hard work and labor to maintain payments?
There is no way Ocwen could repay us for all the years of sleep deprivation, anxiety, burdens and financial duress. We are however, asking you in good faith to discharge the loan. We are giving Ocwen an opportunity to prove to us that they exit " to build a mutually beneficial relationship, rectify any problems, resolve and issues, and assist you with your needs ''
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| 02/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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LETTER OF COMPLAINT OCWEN HOME LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ocwen Loan Servicing , LLC Loan Number : XXXX This letter serves as a formal complaint, which is also being filed with the CFPB and the State of Ohio Attorney General 's Office.
My home is built on XXXX lots. The parcel numbers are : XXXX and XXXX in XXXX County, Ohio.
When XXXX XXXX assigned my loan to Ocwen Loan Servicing, I experienced problems that were beyond my control.
1. Working with Ocwen has been an upsetting and frustrating process, as firstly, I was told by Ocwen Representatives not to work with a third party entity such as a HUD approved organization, as they would be able and would help me. So given that I was told this information and they were in control of my loan, I did exactly what they told me to do.
2. Ocwen through the improper servicing of my loan, caused another hardship for me that could have been avoided.
My property taxes and homeowner 's insurance were escrowed in my mortgage payments, however, Ocwen did not pay the full tax bill. My home is located on XXXX parcels and Ocwen only paid taxes on XXXX parcel and not XXXX parcels, causing me to become delinquent in my taxes and also my tax lien was sold to XXXX XXXX, XXXX. I had to enter into a payment arrangement, sign a contract with XXXX XXXX, XXXX, and a direct debit payments form to pay them {$410.00} each month to avoid foreclosure for property taxes.
XXXX, XXXX 's address is XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio, XXXX.
3. Every time I called Ocwen there was a language barrier with their representatives and I requested numerous times to speak with a representative from the United States to address my file. Never was I given any phone number to call to speak with someone in the United States or transferred to someone that could speak clearly, the English language.
4. I asked for an mortgage statement from Ocwen for my review and see what was going on with my loan and they said they could no longer send me any account statements due to my filing bankruptcy. I had to file a complaint with the CFPB to get Ocwen to send me a mortgage statement for review. I then saw that my payments increased due to the amount needed to pay the escrow and I they had notified me and then refused my payment via XXXX XXXX and via mail.
5. When I talked to Ocwen, I was told to work on a loan modification through Ocwen. When I spoke to a friend they told me to contact a HUD approved organization right away to help me with my foreclosure. Now, I am facing a Sheriff Sale on XXXX XXXX, 2016.
6. Ocwen told me not to work with a third party, as they would directly with me to provide me with mortgage assistance, so I listened to them and did not work the HUD approved agency, as I thought they would help me to keep my home.
7. I feel that I was lied to, tricked and under minded by Ocwen and by telling me to work directly with them and not seek outside assistance.
8. I am now working with a XXXX, a HUD approved organization, which has provided me with the foreclosure counseling and explained all the options I could have asked for with Ocwen and did not because Ocwen told me to work directly with them and no other third party entity. I was obedient as they controlled my mortgage and I did what they said to do.
I am seeking a resolution by asking that Ocwen stop the Sheriff Sale and also to review my file for a positive outcome so I can keep my home.
I do not want nor deserve to become homeless, as Ocwen messed up on the servicing of my loan, by not paying the taxes due, and I had to pay the property taxes each month in the amount of {$410.00}, which did not help me as they caused the problem.
I want Ocwen to take responsibility for the hardship caused by them and to STOP THE FORECLOSURE AND SHERIFF SALE
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| 02/12/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
OCWEN has unilaterally and in clear violation of the loan modification agreement I signed in XXXX as a result of a very real financial hardship, increased the monthly mortgage ( PITI ) payment to the tune of an additional {$400.00} dollars, a 14.3 % increase within the first six ( 6 ) months since I signed the loan modification in XXXX of XXXX. I have repeatedly questioned this with OCWEN representatives and through correspondence which has not been answered and even though they can not negate my argument based on the agreement, they dance around the issue and state that, from their perspective, it is justified and allowable as part of the agreement.
I agreed to a payment of {$2800.00}, one that the loan modification agreement states will remain the same for at least the first year of the agreement. Please be mindful that I was clearly told when I inquired, that the delay during the trial modification plan in offering a permanent loan modification was due to the need for their financial department to look at and analyze every detail of my hardship situation, including pending payments, escrow amounts, real estate taxes, insurance costs, etc. to ensure that the proposed monthly payment would be one I could pay within the income analysis guidelines. Not only did I submit the requested application information, I was also contacted on two occasions by OCWEN representatives to discuss the details. Based on the latter, how can there be such an increase within such a short period and in violation of the first year, as stated in the agreement, when in fact, their financial experts looked and analyzed every detail in the situation. The payment is now up to {$3200.00}.
In addition, attempting to speak with their claimed relationship manager for the loan is an impossible task, as he/she is never available, and when one speaks with an alternate one, they suggest I speak with the assigned one, not to mention the delays, sometimes weeks, before an appointment can be scheduled with the person. OCWEN is not acting in good faith.
Yes, I am trying to get back on my feet as a result of a new job started in XXXX, however, there is no justification for the unilateral jump in the monthly payment. Mixed signals are common within OCWEN as one representative will tell you something and the next one will interpret and advice differently.
A perfect example of this is a recent conversation with XXXX representatives reference my mailing of a recent payment, wherein one of the representative tells me I need to pay an amount over {$12000.00} for what they claimed was reinstatement, another tells me only half of that amount is due and a XXXX one tells me to send the regular payment via US Mail to the above address, as I planned originally planned and have done in the past and did.
Prior to filing this complaint, I sent a detailed email to OCWEN 's ombudsman 's e-mail on the XXXX of XXXX and as of this date, received no response. In addition, the earliest date my relationship manager is available is XX/XX/XXXX at XXXX, thus no option but to wait until then to speak, assuming he/she calls me. I am receiving contradicting misinformation from OCWEN and it warrants immediate clarification and discussion as to what information is correct and options available to me based on the circumstances due to the sensitive nature and time of the matter. I have repeatedly requested a responsible and competent response from OCWEN, to no avail.
I am requesting your office 's assistance in ensuring OCWEN acts responsibly and ethically in their servicing of my loan. Based on my experience with them and the unanswered letters, copies of which I have, and their lack of response, their actions warrant action from CFPB. I look forward to a positive resolution. Thank you for your assistance. XXXX XXXX XXXX.
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| 09/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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To Whom It May Concern : I was granted a permanent loan modification in XX/XX/XXXX. I was advised that an escrow adjustment will be mailed out to me by OCWEN after a year. It was a big surprise that OCWEN is increasing my escrow payment by {$1100.00}, in addition to the {$990.00} escrow payment that I have already been paying, due to non-collection of escrow cushion after approval in XX/XX/XXXX, that OCWEN did not initially disclose and collect. This is going to cause another financial hardship. My payments will go from roughly {$2600.00} to roughly {$3800.00} per month for the next year, starting XX/XX/XXXX.
I have spoken with a Customer Service Representative ( CSR ) XXXX, Code XXXX, on XX/XX/XXXX, regarding the Annual Account Disclosure Statement that I have received in the mail, dated XX/XX/XXXX. ( Attachment XXXX ) CSR XXXX meticulously reviewed the escrow activities with me since my loan modification was officially approved on XX/XX/XXXX. During the escrow activities review, CSR XXXX informed me that mortgage payments for XX/XX/XXXX and XX/XX/XXXX have not been posted. CSR XXXX sent a message to the proper channel to research these payments pending posting. On XX/XX/XXXX, I also contacted my home 's last fire insurance company, XXXX, to refund unused premiums. The refund process will take 15-20 working days. I will forward to OCWEN once received. Once the XX/XX/XXXX and XX/XX/XXXX payments are posted by OCWEN and insurance premium forwarded to OCWEN, the escrow impound will be up-to-date for the XX/XX/XXXX property tax payment.
In regards to the escrow impound anticipated payments of {$13000.00} which is broken down to {$1100.00}, in addition to the already {$990.00} escrow payment that I have been making since the permanent loan modification approval in XX/XX/XXXX, will cause financial hardship and is not according to RESPA regulations and State and Federal laws. I was advised by Code XXXX that one year of escrow impound, per RESPA regulations, is mandatory for collections.
When I researched online, according to RESPA, the cushion to be maintained is equal to XXXX ( XXXX ) of the total amount of impounds ( property taxes and fire insurance ), yet OCWEN is mandating one-year cushion. In addition, I researched the mandated impounds when closing a real estate deal according to the chart ( Attachment XXXX ) in XXXX XXXX County, where the property is. If OCWEN would have followed this required impounds according to " close of escrow '', in my case XX/XX/XXXX, then OCWEN should have only collected 4 months worth ( maximum allowed by State and Federal laws ), which equated to {$4300.00} ; not {$13000.00} spread out in one year, according to property taxes and fire insurance paid in XX/XX/XXXX. Since this was a disclosure not made by OCWEN in the initial contract prior to the permanent loan modification, collecting XXXX year worth of impounds broken down to {$1100.00} escrow in addition to the {$990.00} escrow payments for the next 12 months, considering the facts in my opinion and according to the California State and Federal laws, is breaking the law.
My hired loan modification help contacted OCWEN continuously in XX/XX/XXXX regarding the additional escrow cushion and was advised by the OCWEN Representative that OCWEN made a mistake not disclosing the escrow cushion, which again, is going to cause financial hardship if OCWEN insists on collecting the $ XXXX ( equivalent to one year of escrow ).
On XX/XX/XXXX, I have contacted a real estate attorney with XXXX XXXX XXXX and was advised to send a note to Office of the Controller of Currency ( consumerfinance.gov ) and XXXX.
I am asking for resolution in this matter before the XX/XX/XXXX mortgage payment with the additional escrow cushion. Your time in reviewing this matter is greatly appreciated.
|
| 01/25/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My Husband purchased a home in XXXX of XXXX and used XXXX XXXX Home Mortgage as his lender. They have since gone out of business. At the time he got his loan, he disclosed his salary of {$63000.00} per year and the fact he was paying {$670.00} per month in child support. The mortgage broker talked my Husband into taking something called a XXXX payment option loan. The only option my Husband could afford was the less than interest option, which caused his loan to go severely upside down. We were not married at the time. I have been a XXXX, since XXXX and since we were married in XXXX of XXXX, I have tried to get this very unethical and in my opinion, possibly illegal loan modified to terms that would make sure my Husband would not continue to go upside down on this property. Finally, I was able to get the loan modified into a fixed rate loan, which started at 2 % for 6 years with a CAP of 4+ %. They would not reduce the principal balance on the loan back to what he originally had borrowed, so the modification was not ideal but at least it was something he could afford, by renting out the property. We prayed that the real estate market would eventually go back up and he could end up okay on the loan. Prior to my getting this modification, we spent a lot of our money doing repairs and improvements on the home and saving the home from foreclosure. My Brother passed away and I even had to use an inheritance he had left me to help my Husband out. My Husband has always been an upstanding man and this situation was practically giving him a XXXX, so of course because I love him so much, I stepped in to help. The way things have turned out, we have lost my entire inheritance and all the money we would have potentially had for our retirement. In other words, this mortgage has ruined our lives. What happened that finally pushed us over the top was the tenants we had in the home called the City where the home is located at ( XXXX, VA ) XXXX because they saw standing water in the yard and smelled a bad odor. XXXX had XXXX inches of rain in a short period of time, so the septic tank needed to be pumped, as it could not handle all the water. Had they called us, we could have had it pumped but once the City XXXX XXXX got involved, they insisted the house needed a " brand new '' septic system. In addition to that the dishwasher had a leak that the tenants said they were not aware of and it caused an additional {$13000.00} in repairs. Between the XXXX things, we were looking at necessary repairs of {$33000.00}. When we called Ocwen Loan Servicing, who handles the loan for the XXXX Bank who ended up buying my Husbands loan when First XXXX went out of business, we were told that they were not offering principal reduction and they did not help homeowners with repairs. Obviously, we could not do a home equity loan to do the repairs because it was upside down. I do n't have enough room to explain everything that 's happened but they told us we needed to apply for a deed in lieu of foreclosure because it was our only option. They told us we would get {$10000.00} in " fresh start '' money from the Government. They told us the process would take XXXX90 days and that they would forgive any deficiency & that it would only effect my Husbands credit for a few months and we 'd be able to move on with our lives. We are now at close to two years, have had at least XXXX different relationship managers & were just informed a few weeks ago that they were denying out deed in lieu of foreclosure and that as of XXXX XXXX the Government was no longer offering " fresh start '' money. It has been the most stressful experience of our lives. It 's even effected our health. I 've complained to both the Better Business Bureau and the Consumer Protection on XXXX occasions to no avail. Please help us.
|
| 07/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Hello : Consumer Financial Protection Bureau.
I wrote to you on XXXX XXXX, XXXX about my Mortgage with Ocwen . I am updating you with my case. I went to Court on XXXX XXXX XXXX. Hoping that this is the last time. It habeen nine times that I went to Court this Ocwen. I have been in court since XXXX of XXXX with them and nothing has change for me. I have been paying my mortgage on time. I have not miss a payment at all. every time I go to court it is something else they come up with and it is just not fear to me.I myself went to XXXX XXXX XXXX three times and took the bus in this hot weather to make sure that my Mortgage satisfaction was done done correctly ocwen put the mortgage satisfaction in wrong for nine months until I went to court and spoke to a manager at XXXX my self and they said the spelling was wrong. and they have to fix it. every time I called ocwen they said someone will call me back and that never happen. This is very stress full. Also they said on XXXX XXXX XXXX that they found that I own federal taxes that is what they came up with. I did not own taxes from XX/XX/XXXX.I get back money every from my taxes. If i own taxes I would never get a return at all. I fill that ocwen did not put my modification in before the deadline. and they do not want to say that to the court. because it nothing else wrong. Ocwen lawyers was laughing in court at me like it was a joke. That was very disrespectful why did they do that. I felt so bad. I know who she is and I am going to find out her name and send it to you. I never was sent any letter from the IRS about anything owning any taxes from XXXX. It is XXXX I field my taxes and i received a refund from the Federal and the State every year. I never received a letter nothing. Every year I get back money because i file my taxes. My credit is not good because they keep reporting me late when I pay my bills on time. I am a homeowner and my life has to go on. I need things in my house that needs to be done and i have bad credit because of ocwen. I am XXXX years and I need to get this done correctly. Ocwen is showing prejudice against me. This has been going on for one year. and i have paid my trail period in XXXX. By law after I paid my trail they should have gave me my final modification but every time I go to court it is something else. Why is the court keep letting them go on and on. My case needs to appointed to a Judge and they will not let me do that. This is very up setting to me and my kids and very stress full on me. Can you please help me. I can see if i was not paying my mortgage at all but i am. It looks like when you are behind in your mortgage you get help. But when you are current you ca n't get help.
Ocwen is being sued by XXXX of homeowners because they can not get it together and homeowners are suffering. Ocwen is showing prejudice. Consumer Financial needs to look into them as fast as you can. Ocwen servicing do not know what they doing and you can not get any answers fro them. Also I called XXXX on XXXX XXXX at this number XXXX XXXX and told me that I can not called them about my mortgage and to call Ocwen that is showing prejudice. they said I can not get any information from them go figure that. I want my case to be put in the new papers. I want my case to go to a Judge. I am sending a letter to Governor XXXX XXXX XXXX and President Barack Obama.
Today. My kids see me very stress out over this matter my health is not good this needs to be take care of. Why is Ocwen doing this to homeowners like my self. do any body care from Consumers Financial Protection Bureau this not the first time I have contracted you nothing has been done to help me. Please sign someone to my case and call me at XXXX please leave a message if I do not answer and I will call you right back.
Thank you XXXX XXXX.
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I finally completed a mortgage modification with my quite predatorial mortgage servicer OCWEN last year. It took close to 1.5 years to complete and 4 tries because they insisted there was always something slightly wrong with my documentation. In fact, the only thing that made it actually be accepted was the last complaint I filed against them with CFPB, after which it was accepted quite rapidly. Once accepted, I made all the trial payments as specified by them and the modification was granted. I then continued to make my new modified mortgage payments on time, very rarely a a day or two late, if at all. However, while OCWEN would receive my mortgage payments in a timely fashion, they would not accept the payments immediately upon receipt. Rather they would hold them for at least a month and at times it appeared indefinitely, unless I interceded. What emerged so that this situation would be avoided, was a need for me as the consumer to call them every single month to get the monies I 'd already paid them, accepted by them as the mortgage payment for that month. Every single time this was burdensome to me, with their agents repeatedly telling me I was wrong, mistaken, they did n't know anything about it etc. Typically these calls would take an hour or more until they read the notes on the account in sufficient depth that they slowly acknowledged I was right and they would almost begrudgingly accept the mortgage payment -- a month or more late in terms of their records. The most standard explanation, though I heard various versions, was that the payments were accidentally still being held by the old mortgage account, basically getting stuck there due to OCWEN 's technical errors, and then needed to be manually credited to the modified mortgage account, causing the delay and my need to forcibly insure it happened at all. Of course, all the while my credit score has been artificially lowered due to their erroneous reporting, and I believe they could try to make the claim that I have not actually been paying on time, in a way, keeping 'two sets of books '. Repeatedly, on these calls I had with them every month for 8+ months, I would then -- after the painful 45 minutes of trying yet again to prove I was right and knew what I was talking about -- attempt to get them to take the next step, i.e. to prevent it from happening again the next month. This part of the process with them would happen in a variety of ways, but invariably in the end I would receive all sorts of assurances from OCWEN representatives at various levels that it would in fact be fixed, only to have it repeat again the next month. Finally, I resolved to stay on the call as long as it took to be certain that the situation would get fully researched by their research department, taking a day off work to do so, as I had carefully looked back over every payment I was asked to make and everything seemed to check out that I did not owe them any money I had not already paid them, and was indeed current on my mortgage. This call took 3+ hours, but I thought I was finally out of the woods and they would confirm that the accounting was indeed their error, as every person I spoke to along the way was eventually convinced was true after reading through the case notes. However, this turned out not to be the case at all -- when their internal verdict came back, it was in fact that I was indeed behind a month on my payments and on top of that I owed them an additional sum of around {$900.00}. The explanations provided were too convoluted for me to follow. Of course, all along the way they have been sending me pending foreclosure type notices because of my theoretically not being current, something they have only accelerated since this " resolution '', escalating the language around " mortgage default '' etc.
|
| 02/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Good morning, I really need your help! I did a Loan Modification three years ago, in XXXX XXXX, with Homeward Residential after going through years of hardship due to my loss of income ( real estate ), my husband had XXXX at the same time and I was his caregiver for several years. Within 30 days of signing the loan modification paperwork with Homeward Residential, this loan was acquired by OCWEN. OCWEN informed me via regular mail that they had acquired my loan from Homeward Residential. I phoned Homeward Residential and they would not speak to me about this matter, only said the loan was acquired but could not confirm with whom. I then began calling OCWEN since the mortgage statements they were sending me were not reflective of the Loan Modification I had just signed with Homeward Residential. Ocwen reps kept apologizing to me, telling me that it could take months for the loan mod paperwork to be transferred from one lender to another. Also, I was told a different story by their reps each time I phoned Ocwen. I am a XXXX and I took notes of every phone call. Finally, after many months, I asked Ocwen if they wanted my executed copy of the Loan Modification with Homeward Residential. They said yes and I did sent it to them. I believe this is their only copy. Since then, I have been trying to resolve this matter. Telephone calls between me and their Relationship Mgrs took place every 2 weeks for 3 YEARS where I was told numerous stories by their reps in XXXX. ( Again, I took notes on each call ) At some point I was told since they never got the proper paperwork from previous lender that I needed to start a new loan mod application with OCWEN. I did so. Twice, in fact, over the past 2 years. The first time the application sat in the wrong dept ( short sale dept ) and then it floated over to the Bankruptcy Dept. This went on for 8 months or so. I kept telling them that the original loan modification with Homeward Residential took only 30 days for approval and I asked numerous times what was the problem causing the delay. No rep could explain why. During this time the documents became outdated and I would have to sent in numerous updated documents, and I complied with their requests each time. And I have copies of all. Finally, I was told to start a second application for a Loan Modification with Ocwen. This was painfully slow again, and with documents becoming outdated again, and I would have to resend in numerous documents to keep the application process updated. And I was speaking to Relationship Mgrs in XXXX every 2 weeks. It was also a year ago that I was advised by another lender that Ocwen had to honor the original Loan modification that I had with Homeward Residential. ( which Ocwen had acquired ) Since that time, I have been asking Ocwen to honor the original loan modification dated and signed in XXXX XXXX. On XXXX XXXX, XXXX, I contacted Ocwen 's Ombudmans Office and told XXXX XXXX XXXX my story. I also mentioned to XXXX that the loan I had with Homeward Residential in XXXX XXXX was never recorded properly. I had learned that the title company had recorded it in error on another home I owned. That home was sold and the mortgage was dismissed in XXXX. The Loan Mod that I had was from this mortgage note that I was unable to make during the mortgage crisis that took place in XXXX. ( As a XXXX of {$1.00} XXXX on the XXXX contracts I lost for new homes to be built in XXXX XXXX, Florida ). XXXX XXXX said he would do his research on this matter to see if even a mortgage existed. Last night, I received a SUMMONS from Clerk of the Court in XXXX XXXX Florida with intentions of foreclosing on my home! I have 3 years of documents & notes so will be hard to send these as they are not scanned into my computer. But I could copy & send via XXXX. Please advise me!
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Case number : XXXX ( now XXXX ) : XXXXSenator XXXX, It 's been about 18 months of filing complaints with the CFPB XXXX still we are no closer to a resolution than when we started.
Our first CFPB complaint was with XXXX XXXX XXXX who legally IAW RESPA transferred our mortgage to Homeward/Ocwen XXXX.
In the first CFPB complaint it appears that XXXX XXXX XXXX told CFPB that they may have made an error in the mortgage company that they named in the RESPA Notice but they corrected any alleged error by phone call to us. Their claims clearly were not true and not IAW RESPA the CFPB did absolutely nothing. RESPA requires corrections in writing within specified time limits and since none have been received we continue to make payments to Homeward/Ocwen XXXX who continues to accept and process the payments.
After the Ocwen Loan Servicing LLC letter which was n't and is n't IAW RESPA we contacted Homeward/Ocwen XXXX by phone and they said that we did n't have a loan with them based on the loan number but they had cashed XXXX processed our preceding payment.
There are claims that Ocwen Loan Servicing LLC XXXX told the XXXX government that they were affiliates of Homeward/Ocwen XXXX and that they could direct us to make payments to another place based on that affiliation.
Even if an affiliation exists, under RESPA whenever the mortgage payment name or address or amount is changed a proper legal RESPA notice is required to be sent to us and none has been received changing Homeward/Ocwen XXXX.
So, because one affiliate does n't have any legal authority to direct payment changes of another affiliate, we filed a complaint against Ocwen Loan Servicing LLC XXXX.
Ocwen Loan Servicing LLC XXXX appears to contend that they can say and do anything they want relative to mortgages and they are n't afraid of the federal government and their piddly fines. I guess this is why the CFPB does nothing, it is n't worth it.
The XX/XX/XXXX XXXX XXXX Notice says make payments to Homeward Residential Inc in XXXX XXXX not Ocwen Loan Servicing LLC . Everyone wants our mortgage payment. Seems everyone can send a Notice telling us to change our payment location anytime they want and it apparently is not illegal because nothing appears to ever happen to them. If our mortgage payments are made to the wrong place, it appears the state and federal government does n't care.
Below is the last we sent to the CFPB.
XXXX and XXXX XXXX number : XXXX ( now XXXX ) As previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transferor Notice.
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in TX.
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again.
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the XXXX Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims.
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My Mortgage Service Company ( PHH ) failed multiple times to appropriately pay my XXXX real estate taxes via escrow account. I subsequently received a federal lien on my property that required me to pay the taxes, plus fees, directly to avoid any further action. PHH is now refusing to reimburse me for their mistake despite numerous attempts to resolve the issue. I have documentation for everything and provided PHH all the same documentation, but highlights are the following : XXXX through XX/XX/XXXX : My real estate taxes were due. If paid by XX/XX/XXXX it's {$570.00} to received 2 % discount, by XX/XX/XXXX {$590.00} full amount, after XX/XX/XXXX it's {$650.00} includes late penalty.
XX/XX/XXXX : I received a letter from local tax collector for unpaid taxes.
XX/XX/XXXX : Spoke with PHH about issue XX/XX/XXXX : Faxed PHH a notice of error letter. Included the specifics from tax collector letter that if paid after XX/XX/XXXX, only a bank cashier check or money order would be accepted.
XX/XX/XXXX : Called for update. Was told to wait until XXXX XX/XX/XXXX : Called again for update after no response. No update provided XX/XX/XXXX : Called again for update. No update provided. Transferred to escalation department.
XX/XX/XXXX : Provided another notice of error letter, this time via email. Similar to original, it detailed the specific payment requirements needed by local tax collector.
XX/XX/XXXX : Left message for escalation team about update since none provided XX/XX/XXXX : Voicemail from escalation team that they are still working on it.
XX/XX/XXXX : Email received from escalation team that taxes were paid appropriately. They said a payment of {$650.00} was sent on XX/XX/XXXX XX/XX/XXXX : Received notice of delinquent taxes letter from Country Govt informing me a lien was placed on my property and now total due with additional fees was {$740.00} and more fees would be added if non-payment continues.
XX/XX/XXXX : I paid my taxes online per instructions from the county website to avoid any further action on my property. Total amount due was now {$760.00} which included a service fee for payment of {$19.00}. I paid {$760.00} via my credit card.
XX/XX/XXXX : I sent an email to the escalation department requesting full reimbursement for {$760.00} and included all documentation to this point.
XX/XX/XXXX : Received response from escalation team. Was told that my local tax collector rejected their payment of {$570.00} on XX/XX/XXXX ( which is a different amount than previously indicated was sent by PHH ), that a refund for {$570.00} was applied to my escrow balance on XX/XX/XXXX ( which there was no record of actually occurring per my escrow account balance statements ) and they can't take any action until XX/XX/XXXX when an escrow analysis is performed.
XX/XX/XXXX : I sent an email to escalation team highlighting my prior and new concerns, in addition to again asking for reimbursement. They included 1 ) Concern over XXXX communication from them after realizing on XX/XX/XXXX that they failed to pay my taxes which would result in an eventual lien. 2 ) Concern over reference to a rejected tax payment of {$570.00} when they previously informed me that {$650.00} was sent to my tax collector. 3 ) Concern over their reference of {$570.00} being refunded to my escrow balance on XX/XX/XXXX since there was no record of any such action in my escrow balance to date. I reminded them of the multiple legal responsibilities they have failed to adhere to so far, requested reimbursement again, along with asking for documentation that provided evidence of the escrow refund claim.
XX/XX/XXXX : Received a response from escalation team indicating they can't fulfill any of my requests and that I would need to reach out, via mailed letter only, to their research department.
|
| 03/24/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submit this complaint due to the unfairness, misrepresentation and confusion surrounding loan modification requests and the ability to keep my property. Specifically, I was served with a MORTGAGE FORECLOSURE SUMMONS from Ocwen Loan Servicing on XXXX after completing XXXX Trial Period Payments : 3 months in XXXX and 4 months in XXXX.
History : I applied for a mortgage modification on my own in XXXX, was granted Temporary Trial payments for 3 months after being TOLD to skip the month of XXXX XXXX and to wait for PERMANENT MODIFICATION DOCUMENTS to come in the mail. After waiting more than the required 3 months, I finally received a SUBORDINATE MORTGAGE AND SUBORDINATE NOTE in XXXX XXXX which had to be notarized. On XXXX XXXX, XXXX, I learned the documents from XXXX were subsequently filed with the RECORDER OF DEEDS FOR XXXX XXXX. I was notified via email sent to my inbox from the XXXX.
In, XXXX XXXX, while still waiting for PERMANENT MODIFICATION documents to come in the mail and finally learning from a Relationship Manager that I was never approved for a PERMANENT MODIFICATION, only a PARTIAL CLAIM, I decided to enlist the aid of XXXX, the Neighborhood Assistance XXXX XXXX XXXX XXXX certified HUD XXXX XXXX and advocacy organization ). I needed someone more knowledgeable about my needs to try to get a more permanent solution in order to keep my home. With the assistance of XXXX, on XXXX XXXX, XXXX, I was finally approved for a HAMP Modification Restructure. An approval letter was submitted to the representatives at XXXX. My case file on XXXX 's website listed a total restructuring of my mortgage : lower interest and monthly payments for 360 months. XXXX representatives told me to wait on the receipt of permanent modification documents to come in the mail. On the same day, I spoke with an Ocwen Advocacy Team Member, XXXX XXXX, ID # XXXX. I was told I was approved for a GOVERNMENT HAMP MODIFICATION governed by XXXX XXXX but not an Ocwen type Modification. I was given the exact same terms presented to XXXX and was told to wait on the PERMANENT MODIFICATION documents to come in the mail. In the meantime, I received papers approving a XXXX Trial Period Payment Plan for 4 months. I made those payments.
On XXXX, I received a letter from Ocwen stating a review of my loss mitigation application and financial information was performed and unfortunately I am denied a HAMP Modicfication. A notification was sent to XXXX from Ocwen stating, " We are unable to offer you a Home Affordable Modification because : The owner and/or insurer of your loan allows only XXXX modification every 24 months. Please note, not all eligibility factors were evaluated. XXXX had a partial claim completed in XXXX, unable to offer another Modification /partial claim as loan was modified/partial claim within last 24 months ''. I had been approved in XXXX XXXX, told to wait for documents in the mail, patiently waited, and 4 months later, on XXXX XXXX, XXXX was told I never should have gotten the modification. ( HUH? ) XXXX XXXX, Ocwen stopped accepting XXXX payments and demanded over {$6000.00} to reinstate my mortgage, closed case # XXXX with the XXXX gave me a Short-Sale option. In addition, Ocwen mortgage website indicated {$0.00} due and next payment due XXXX. My mortgage ESCALATED over night XXXX XXXX? ) XXXX, I 'm served a foreclosure notice.
XXXX, I visited another certified Housing Counselor, the XXXX XXXX XXXX who initiated yet a XXXX Modification request but on XXXX, was denied for ANY type of modification assistance.
After being served, I filed an Appearance and Answer to the foreclosure notice. I 'm due in court XXXX. How do I proceed? Ocwen and its representatives only confuse me when they say one thing but I receive another in the mail. It 's unfair. Please advise.
|
| 05/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ocwen has provided numerous responses to your office each of which made false statements that XXXX XXXX is the current holder of the note and that servicing was transferred to Ocwen in XXXX XXXX. However, my limited access to loan documents recently turned up a trailing document that shows that the loan was repurchased from XXXX ( XXXX XXXX XXXX , XXXX ).
Portions of Owens responses to your office regarding my complaints include : 1. The entity that currently owns the loan and holds the note is XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Asset Backed Certificates, Series XXXX ( XXXX XXXX ). 2. According to Ocwen 's records, the servicing responsibilities of the loan transferred from Homeward Residential , Inc. ( Homeward ) to Ocwen effective XXXX, XXXX, XXXX. As an alleged borrower, I have access to a limited portion of Ocwen 's records pertaining to the alleged debt. Inside my document files with Ocwen there are Trailing Documents sent from Homeward on behalf of XXXX XXXX wherein a box is checked stating that the Original Notes are not present. Homeward Residential , Inc. is stating in the trailing documents that the files ( which contains the promissory note and XXXX conflicting allonges ) are not in our custody and we are forwarding on these documents so that they can be merged with the files that have been released to your custody. The Trailing Documents have a customer name of XXXX ( XXXX XXXX XXXX , XXXX, now known as XXXX. XXXX was likely forced to repurchase this loan from the loan pool because of all the defective and or missing documents related to this loan. After XXXX repurchased the loan from XXXX XXXX, they never notified me of the repurchase and XXXX did not provide any of their contact information as required by RESPA, giving me an opportunity to rescind the loan. According to an account reconciliation that Ocwen provided to me, the repurchase must have taken place on XXXX XXXX, XXXX. The amount paid for the repurchase was XXXX. XXXX attached payment reconciliation history from Ocwen.
To the contrary Ocwen has provided in it 's response that : According to Ocwen 's records, the servicing responsibilities of the loan transferred from Homeward Residential ( Homeward ) to Ocwen effective XXXX XXXX, XXXX, contractually due for the XXXX XXXX, XXXX installment in the amount of {$1900.00} with {$1600.00} for principal and interest, and {$300.00} towards escrow. Furthermore, the account transferred with a negative escrow balance of {$8500.00}.
If XXXX XXXX is not in possession of the note, it is impossible for them to be the holder of the note. Furthermore, as shown on the attached payment reconciliation XXXX XXXX received a disbursement from XXXX XXXX XXXX , XXXX paying off any amounts owed to XXXX XXXX. Once Homeward applied the payment to the account, they later reported to the credit bureaus that the account balance was XXXX. Ocwen later came back and changed the information reported on my credit report after I questioned why they were attempting to collect on an account that had a XXXX balance.It is apparent based on Ocwen 's records containing the Trailing Documents to its customer XXXX that the loan was sold and XXXX XXXX is not the current holder of the note. Ocwen is trying to receive double payment on the balance that was owed. Ocwen sold the property on XXXX XXXX, XXXX even after it failed to provide a response to a notice to correct an error that was sent to Ocwen. This file is wrought with fraud and Ocwen has no right to attempt to collect a loan that was satisfied by XXXX. The XXXX alleged allonges each have defects the first allonge is made by Option One Mortgage, but signed by XXXX XXXX XXXX. The second one has incorrect loan number. Option One Mortgage was not known as XXXX XXXX on XXXX/XXXX/XXXX.
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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My husband and I began the Loan Modification process with the XXXX XXXX XXXX XXXX - located at XXXX XXXX XXXX.
XXXX XXXX XXXX, MD XXXX XXXX ; Housing Counselor in XXXX. Since then, we have provided tremendous amounts of duplicated information via XXXX for submission to OCWEN, refilled multiple times. OCWEN made XXXX offer for a loan modification via e-mail to XXXX XXXX and gave us 72 hours to respond in XXXX and not once did we receive anything in writing. At one point our case was referred to MD XXXX XXXX XXXX, XXXX, which the organization subsequently dissolved without resolving our case and did not notify us. During the period of time that they were involved, they kept requesting the same information over and over again. As a result, our case was sent back to XXXX XXXX XXXX XXXX and in XXXX XXXX - we receive a trial modification, which we signed and returned to OCWEN and began making payments to them. We also filed Chapter XXXX bankruptcy in XXXX XXXX through Attorney XXXX XXXX because of some other financial issues with the IRS. XXXX, XXXX, OCWEN had not notified us, so as a result, I called them to find out why we received no statements and was told that the paperwork sent in XXXX was not complete and therefore the trial was not accepted - we were still making payments, so, the gentleman I spoke too sent me the paperwork again in an e-mailed dated XXXX/XXXX/XXXX, which we download, had the same papers notarized again and sent via postal mail to XXXX. We also were told that we needed a letter faxed into OCWEN from our lawyers office for them to talk with us since we are in bankruptcy, which was done pronto, and when I called, I was told it was not there and I said, not that is not correct - here is the date and time it was faxed. She took time to go through the file and discovered it was misfiled as many of our documents have been by OCWEN and the need On XXXX/XXXX/XXXX - We received notification that OCWEN was unable to offer us the Home Affordable Modification because - we had filed bankruptcy and the modification was not approved by the court. Now - I called on XXXX/XXXX/XXXX - spoke to XXXX # XXXX, who told me that OCWEN had sent paperwork to my attorney on XXXX/XXXX/XXXX and never received a response. I asked " XXXX '' why were n't we notified if our attorney had not responded since we have working on this sine XXXX and it was a must need to be resolved and his response was that I had to talk to my relationship manager - who in my correspondences have been a XXXX XXXX. He tells me that " Oh, that has changed '' and asked to whom ; his response was XXXX XXXX ; I asked when did that change ; His response was that sometime recently - and I asked why, he said that I would need to make an appointment to speak to the new person - so I when and he " XXXX '' said XXXX/XXXX/XXXX at XXXX - XXXX XXXX was to contact me, and I did not receive a telephone call from him. At XXXX today, XXXX/XXXX/XXXX, I called OCWEN to ascertain why the call was not made to me as scheduled and was told that a call was placed to my lawyer - that was not the agreement. I called my lawyer and she told me that she was told, I sent to the documents to the final documents to OCWEN and she did not file a motion in court for it to be accepted and that we needed to begin all over again. I am sorry but this is very disconcerting and unacceptable. OCWEN is still accepting payments and told me on XXXX/XXXX/XXXX that we are making partial payments and are in danger of foreclosure - again unacceptable We provide a home for ourselves, our grandchildren, son and daughter-in-law and we are being pushed around like we are of no value.
XXXX. We want OCWEN to honor and accept the trial modification which we signed and have been following to the letter. We want to see all documentation.
|
| 09/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I have been mistreated by Ocwen Loan Servicing , LLC ( Ocwen ) consistently since XXXX 2015 with regard to payment of the outstanding loan balance to reinstate a mortgage that is in default. On XXXX/XXXX/15 I spoke to a Customer Service Representative ( CSR ) who provided me a total amount due of {$8900.00} that was required to reinstate the loan. This figure was the total due through XXXX/XXXX/15. I was instructed to overnight the certified payment to an address the CSR provided to me. I followed these instructions and have the emailed proof of delivery from the USPS that clearly shows the signature date of acceptance by Ocwen as XXXX/XXXX/15. I subsequently called about a week later to make the XXXX loan payment via their telephonic system. The system did not have the {$8900.00} payment posted to the account so I was not able to make the XXXX payment. I therefore spoke to another CSR to inquire why my payment was not posted. He indicated to me that my account was flagged for a modification so the payment could not be posted. He said to give it another few days and that everything should be fine. I ended up having to call back several times and escalate the issue to a Supervisor who listened to the previous recorded calls and reviewed the notes on the account. The Supervisor told me the receipt date of the payment was XXXX in their system even though he verified via the USPS tracking that it was received on XXXX. All attempts to correct were to no avail. After nearly XXXX days of holding my {$8900.00} without posting to the account, it was returned to me with a letter stating the funds were insufficient to reinstate the loan. I spoke to XXXX XXXX, my relationship manager in the home retention department and she also did not understand why this happened. She ultimately instructed me to make payment of {$10000.00} to reinstate the loan. This amount is valid through XXXX/XXXX/15. We agreed I would return the original cashier 's check of {$8900.00} with a XXXX cashier 's check in the amount of {$1400.00}, both of which total the {$10000.00} required to reinstate the loan. She provided a different address for me to overnight the payment which I did on XXXX/XXXX/15. I also have the USPS proof of this delivery which verifies Ocwen signed for these payments on XXXX/XXXX/15. I scheduled a follow up call with XXXX at her first available appointment which is XXXX/XXXX/15. In the meantime, on XXXX/XXXX/15 Ocwen returned the original cashier 's check in the amount of {$8900.00} to me with a letter stating the funds were insufficient to reinstate the loan. I received this letter on XXXX/XXXX/15. The {$1400.00} check was not returned with this letter. XXXX indicated to me in a call after I sent the XXXX checks in that she received a call from the cashier 's office asking if she approved the {$1400.00} to be applied to the loan. She approved it. When I received the {$8900.00} back, I called Ocwen and again had to speak with another CSR because XXXX was not available. This CSR explained on XXXX/XXXX/15 that the {$1400.00} was also going to be returned to me. We discussed the agreement made with XXXX that I would send in XXXX checks. The CSR stated to me " they '' wanted it in XXXX check. I explained this is not possible. These are cashier 's checks. No where and at no time was it stated to me in writing or otherwise, that I needed to send in XXXX check. I have NEVER experienced a company not honoring not just XXXX agreement made ( on XXXX ), but XXXX I have been through this lack of honoring agreement/instruction provided to me. I have done exactly what I was asked both times. I am now reluctant to send the checks back as I fear they will simply return them again. Please help. Thank you.
XXXX XXXX XXXX ( Successor Trustee to XXXX XXXX XXXX Declaration of Trust
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| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I received yet another XXXX page pile of papers from Ocwen, designed to confuse and baffle customers to the point of insanity. In XX/XX/XXXX I was cancelled by my insurance company for simply putting in a claim for damages caused by a XXXX tornado in XXXX, NY. That is such a strange occurrence that it was on the national news, featuring my very street and house. After taking six months to repair minimal damages, the insurance company cancelled my policy ; before I could make other arrangements Ocwen placed XXXX on the home. Okay, fair enough. In XX/XX/XXXX, I took my retirement from XXXX XXXX XXXX in a " lump sum '', in order to get out of debt with EVERYONE I owed anything to. In XXXX, I called Ocwen XXXX at this point I had no idea how convoluted this corporation is ), and asked this simple question ( to a person located in XXXX reading from a script ) HOW MUCH DO I OWE YOU? I knew I was XXXX payment behind, from XX/XX/XXXX. The mortgage is supposed to be {$740.00}, and I was given a figure of {$1800.00}. That was supposed to be the mortgage for the missing month, XXXX XX/XX/XXXX XXXX, the mortgage for XXXX PLUS {$370.00} in " fees ''. Okay, I paid it, and the check cleared. The bill I received in XXXX was still highly inflated, so I called AGAIN, and talked to yet another person in XXXX who I could barely understand. They were adding in the LPI, so I asked HOW MUCH to pay that off entirely. I was given the figure XXXX, which was supposed to be {$760.00} to pay for the insurance for THE YEAR, plus the mortgage payment for XXXX. AGAIN, I was told to send this to the payment center in XXXX XXXX, IL. XXXX I did not know at that time that Ocwen has different " departments '' all over the country and all over the globe. The home office is in XXXX, research department in XXXX XXXX XXXX, Insurance Department in XXXX XXXX, call centers in XXXX XXXX primarily ), XXXX So obviously, as Ocwen is so famous for doing, the {$760.00} for insurance was " lost '', and to this day they are trying to collect it, along with thousands of dollars in " fees ''. Since calling Ocwen XXXX, once in XX/XX/XXXX, and once in XX/XX/XXXX and asking for a TOTAL of monies owed, and I have proof of them clearing and have not missed a payment since, why oh why are they still harassing me? The latest was attempting to raise the mortgage by {$150.00} a month for insurance which we supposedly did not buy in XX/XX/XXXX even though our insurance agent has provided proof XXXX times, to the point whereas I am embarrassed to ask him to do it YET again. Copies have also been mailed to your organization and to XXXX as well. As inept as this company is, I REFUSE to attempt to communicate with anyone associated with them any longer. I have lost two years of my life attempting to do so. They have an " ombudsman '' who works for them whom I am supposed to contact. Yeah, right. They lose checks, misappropriate funds, I have received over half a dozen letters stating that they have not received payment for the month when the check has cleared. The letters are all dated AFTER the check has cleared, so it 's not a mail issue. Speaking of mail, up until I learned what kind of company Ocwen was, I used to send my payments regular mail, and no matter when they were mailed, XXXX weeks would inevitably elapse before the check cleared. They sat in a box until the late fee could be added. I used to say they used XXXX XXXX. Then I began sending them certified, same time as always, and a miracle happened. Since I could PROVE when I had mailed them, they could no longer attach the late fee! There is a " grace period '' until the XXXX. I WISH I could provide " proof of insurance '' for XX/XX/XXXX-XX/XX/XXXX, but I paid it to OCWEN, and it is obviously lost in outer space or in some employees or CEOs pocket.
|
| 09/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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RECENTLY MY HUSBAND GOT A CALL AND WAS TOLD THAT WE WERE XXXX PAYMENTS BEHIND ON OUR MORTGAGE PAYMENT. TO BE EXACTLY IT WAS XXXX XXXX, 2016 THE DAY BEFORE OUR DAUGHTER WAS TO BE GRADUATING FROM COLLEGE. WE WERE IN A FRANTIC. I CALLED THE XXXX NUMBER AND SPOKE WITH SOMEONE THAT TOLD ME THE SAME THING. I TOLD THAT PERSON THAT WE HAD NEVER MISSED A PAYMENT BECAUSE WE WERE IN BANKRUPTCY AND KNEW THAT WE COULD N'T MISS A SINGLE PAYMENT AND THAT I HAD BANK STATEMENTS AND PERSONAL CHECKS THAT HAD BEEN CLEARED TO PROVE IT. I EXPRESSED TO THEM THAT SOME OF THE PAYMENTS MAY HAVE BEEN LATE BUT WERE ALWAYS PAID WITHIN THE MONTH THAT THEY WERE DUE.SOMEWHERE IN THE HEATED DISCUSSION I WAS TOLD THAT OUR MORTGAGE PAYMENT WAS DUE ON THE XXXX OF EACH MONTH, I THEN SAID HOW IS THAT? WE NEVER KNEW, WE NEVER GET STATEMENTS FROM YA 'LL AND THAT WE WERE TOLD WHEN WE FILED BANKRUPTCY THAT OUR PAYMENTS WERE DUE ON THE XXXX OF EACH MONTH. AS WE GOT FURTHER INTO THE CONVERSATION I ASKED TO SPEAK WITH THE MANAGER OUT OF FEAR OF LOOSING OUR HOME BECAUSE THE PERSON THAT I WAS TALKING TO WAS N'T LISTENING TO ME NOR UNDERSTANDING THE SERIOUSNESS OF MY FEAR AND CONFUSION. I ALSO EXPRESS TO HIM THAT WE HAD FULFILLED OUR AGREEMENT WITH THE BANKRUPTCY COURT AND HOW SOMETIMES THINGS HAPPEN IN LIFE THAT ARE BEYOND OUR CONTROL MY HUSBAND HAD LOST HIS JOB AND WE HAVE FOUGHT HARD TO MAINTAIN AND HAD NOT DONE SO ONLY TO LOSE OUR HOME IN THE END.I WAS THEN TRANSFERRED TO A ESCALATING MANAGER WHO FINALLY SAID THE REASON FOR THE LARGE PAST DUE AMOUNT WAS THAT OCWEN HAD TAKEN OUT INSURANCE ON THE HOUSE. I TOLD HIM THAT WE COULD NOT AFFORD TO PAY THAT AMOUNT AT ONE TIME HE ASKED IF WE COULD AFFORD {$700.00} A MONTH I SAID EXTRA? HE SAID NO THE TOTAL INCLUDED OUR MORTGAGE PAYMENT I SAID YES. HE THEN ASKED IF WE WERE HAVING HARDSHIP I SAID NO WE HAVE BEEN ABLE TO MAKE THE PAYMENT SO FAR. HE SAID IF YOU LIKE I CAN MAIL YOU OUT A LOAN RE-MODIFICATION PACKET. I SAID WE CAN MAKE THE {$680.00} PAYMENT ITS NOT A PROBLEM. HE THEN SAID IT COULD POSSIBLY LOWER YOUR HOUSE PAYMENT I SAID OK. AFTER I SAID OK HE THEN QUICKLY SAYS YOU MAY OR MAY NOT QUALIFY FOR LOWER PAYMENTS IT COULD POSSIBLY GO UP I THOUGHT TO MYSELF WE CA N'T AFFORD TO GO UP SO WE WILL JUST LEAVE WELL ENOUGH ALONE. SINCE THEN MY HUSBAND HAS BEEN BACK AND FORTH ON THE PHONE WITH DIFFERENT OCWEN EMPLOYEES SAYING DIFFERENT THINGS ALL OF THEM HAVE TOLD HIM CONFLICTING STORIES. WE TRIED TO PURCHASE HOMEOWNERS INSURANCE SEVERAL TIMES BUT WERE DENIED BECAUSE OF BANKRUPTCY. XXXX XXXX FINALLY GAVE US HOMEOWNERS INSURANCE BUT CANCELLED IT BECAUSE OUR YARD WAS NOT FENCED IN AND WE HAD A TRAMPOLINE IN THE BACK YARD AND HUGE TREE THAT ABOUT COVERED THE WHOLE BACKYARD. WE KEPT TRYING BUT WAS DENIED. WE FINALLY WAS ABLE TO HAVE THE TREE CUT DOWN USING TAX REFUND MONEY. WE GAVE THE TRAMPOLINE AWAY. WE TRIED AGAIN AND XXXX XXXX WROTE US HOMEOWNERS INSURANCE ON THE CONDITION THAT WE REPLACE THE ROOF WITHIN 60 DAYS. LUCKILY WE WERE DISCHARGED FROM BANKRUPTCY IN GOOD STANDING AND I WAS ABLE TO GET A LOAN THROUGH MY BANK TO PAY FOR IT. MY HUSBAND 'S ARGUMENT WITH OCWEN IS THAT THEY HAD THE HOUSE INSURED AND SHOULD BE LIABLE FOR THE ROOF. THE AMOUNT THAT THEY SAY WE ARE BEHIND IS WHAT WE PAID FOR THE ROOF. SINCE XXXX XXXX, 2016 WE HAVE BEEN BOMBARDED WITH MAIL. IT LOOKS LIKE THEY ARE TRYING TO FORECLOSE ON OUR HOME. CAN YOU PLEASE HELP US? THIS HAS BEEN A NIGHTMARE. I HAVE HAD MANY RESTLESS NIGHTS AND ANXIOUS DAYS WONDERING IF SOMEONE COULD HELP US. PLEASE HELP US WE SEEM TO BE FIGHTING LOOSING BATTLE UNLESS THE MONEY IS PAID UP FRONT AND SOON! WHO EVER IS READING THIS I ASK THAT YOU BE CONSIDERATE AND UNDERSTANDING IN THAT WE ARE TRYING TO HOLD ON TO OUR HOME AND THAT WE DO LACK SOME UNDERSTANDING IN THIS WHOLE MATTER. AGAIN I ASK THAT YOU PLEASE HELP US.
|
| 12/09/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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I 've been in short sale negotiations with OCWEN for over XXXX months. They have been an absolute nightmare. They will often request the same material multiple times and provide misleading information. Below are the detailed notes.
Summary : XX/XX/XXXX Appraiser completed the appraisal at the property. The reason for another appraisal is because the Appraisal that was completed before already expired. So we need to wait for the new appraisal result before they will decide for the {$150000.00} counter offer.
XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. He confirmed that there is no foreclosure sale date as of the moment. He said that the Appraisal might receive within this week. Also, he said that I need to send the short sale documents again because it was already expired. The following documents are : Sale contract HUD Listing Agreement Buyers Proof of Funds ( XXXX or XXXX days ) Borrower income documents ( Paystubs XX/XX/2016 ) MLS RMA Non Owner occupancy certificate ( N/A opted for XXXX XXXX I will collect the Documents and send it to XXXX or XXXX it at XXXX.
XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. She confirmed that they received the documents that I sent yesterday. It will be rev iewed now. Tomorrow is the schedule of the Negotiator to call us to update about the status of the file. I will keep you posted.
XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. He confirmed that there is no foreclosure sale date as of the moment. He said that the file is already on the final review and just waiting for the decision. I will keep you posted.
XX/XX/XXXX : XXXX. and spoke to XXXX via XXXX. I told him that I am returning a call because someone called me from their office. He said that is to inform me that the file was already forwarded for the final review. He said to callback by Tuesday to get an update. I will keep you posted.
XX/XX/XXXX : Called OCWEN and spoke to XXXX from Short Sale Department via XXXX. He confirmed that there is no foreclosure sale date as of the moment. Also, the XXXX result after the Appraisal is {$180000.00}. The lender is countering the offer at {$180000.00}.
XX/XX/XXXX : Called OCWEN and spoke to XXXX via XXXX. She confirmed that there is no foreclosure sale date as of the moment. She said that we need to respond for the counter offer as soon as possible.
XX/XX/XXXX : Called back OCWEN via XXXX and spoke to XXXX. She said the reason of the call is to inform us that OCWEN will only accept an offer price of at least {$160000.00} and XXXX lien pay off of {$3600.00}. I will follow up with the Buyers agent if what will be the decision of the Buyer. I will keep you posted.
XX/XX/XXXX : Received email from the Buyer 's agent. She said the Buyer will not counter the offer and wo n't pursue a Price Dispute.
XX/XX/XXXX : Received call from the Relationship Manager of OCWEN named XXXX. He said that the file is still under review and still has no decision yet. I told him how come the other agents I spoke to said that the lender will counter the offer for {$180000.00} and the minimum amount that you will accept is {$160000.00}. He insisted that he is providing an update for me and that there is no decision yet. So I took his word since he is the Relationship Manager assigned to this file. Also, he said that the new Relationship Manager is XXXX.
Around XXXX PM, we received anothe r call from a different representative and his name is XXXX or XXXX. He said that they will close the file for the short sale by Friday if we ca n't counter the offer. I told her that the Buyer wont counter the offer for {$160000.00}.
XX/XX/XXXX : I decided to call OCWEN and talk to the manager to know why their company not providing the same information. They lack coordination in their loop. We are doing our
|
| 05/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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The Bank ( PHH ) is not honoring the terms of my Note.
I recently made principal payments to my loan totaling {$100000.00}. Eleven payments, totaling {$80000.00} were made on XX/XX/XXXX and four payments totaling {$27000.00} were made on XX/XX/XXXX. According to the terms of my loan, the loan payment for the coming year, beginning XX/XX/XXXX is calculated on the balance owed as of the previous XX/XX/XXXX.
I received a notice dated XX/XX/XXXX stating that my new monthly payment, due on XX/XX/XXXX would be {$4300.00} based on the loan balance at the time of XXXX. However the Loan Note clearly states that the calculation period ends on XX/XX/XXXX.
I subsequently made the extra principal payments totaling {$100000.00} on XX/XX/XXXX and XX/XX/XXXX reducing my loan balance to {$670000.00} as of XX/XX/XXXX.
As per the terms of my loan the new monthly payment for XXXX should be based on the loan balance as of XX/XX/XXXX. The payment that The Bank was requesting is based on the incorrect loan balance as of XX/XX/XXXX and should be based on the balance on XX/XX/XXXX of {$670000.00}, lowering my monthly payment to approximately {$3700.00}. There is a difference in monthly payments of {$580.00}, which for the 12 month period until they honor the new Principal comes to {$6900.00} for excessive interest payments.
The Adjustable Rate Note clearly states in Section 3C : The Payment Change Date occurs on XX/XX/XXXX of each year.
The Calculation of New Monthly Payment Changes is clearly stated in Section 3D : Before each Payment Change Date, the Note Holder ( PHH ) will calculate the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Payment Change Date in full on the maturity date in substantially equal installments at the interest rate effective during the month preceding the Payment Change Date. The result of this calculation is called the " Full Payment ''.
Section 3D clearly states the calculation for the New Monthly Payment Changes is taken effective during THE MONTH PRECEDING THE PAYMENT CHANGE DATE.
The Payment Change Date is XX/XX/XXXX. The month preceding XX/XX/XXXX is XX/XX/XXXX. Per their response letter, the Bank ( PHH ) calculated the payments based on the XXXX balance of XX/XX/XXXX, not on the correct balance as of XX/XX/XXXX of {$670000.00}.
I had called Customer Service three times before I made the principal payments. The first two times I called customer service, the service person told me that XX/XX/XXXX was the cutoff date to calculate the new payment. The third time I called, the service person told me that XX/XX/XXXX was the cutoff date.
Since then I wrote a letter to PHH stating my claim to have the payments lowered and the extra amount of the payments credited to me. I have received three letters from PHH denying my claim and have responded with three letters of my own. Each time PHH has denied my claim, stating different reasons including a fantasy Run Review Date that doesn't exist.
I have also made several subsequent calls to PHH : XX/XX/XXXX - Unable to connect - Unable to leave a message XX/XX/XXXX - Unable to connect - Unable to leave a message XX/XX/XXXX - I spoke with a supervisor named XXXX who said she was forwarding the complaint to the ARM department. I heard today that they once again denied the claim, this time stating that the cutoff date was on XX/XX/XXXX. Their story changes every time and is not based on the terms of the Note but on their convenience of choosing the date that suits them.
XX/XX/XXXX - Called XXXX back - No answer. Box full, Unable to leave a message XX/XX/XXXX - They say that the new payments will be effective as of XX/XX/XXXX hence causing me to pay an additional {$6900.00} in unwarranted interest for the year.
|
| 10/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
THIS IS THE THIRD COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ ~~~ou have not AGAIN addressed EVERYTHING in my complaint. The mortgage company came back to XXXX after Bankruptcy was SETTLED ( FORCED BANKRUPTCY BECAUSE THEY REFUSED TO TAKE TWO LATE PAYMENTS ) and said " oops, we just found XXXX MORE that you owe. I have since done more digging and this in not allowed. Ocwen should have done ALL their work prior to, and not added debt they just didn't 'find ' soon enough. That was one issue I brought up TWICE now, that is always ignored. Then the other issue that is ignored, is that just a few months ago the payment amount PHH is asking for monthly went up. It is Not supposed to have gone up more with you. We are at the end of our arm interest rate. Nor did PHH send any information to the attorney explaining anything ( I checked with them ). My payment will remain XXXX ( which is what is on my last attorney letter ). There has been no explaination and PHH is not following bankruptcy rules by going through attorney.
As far as the 'inconvenience ' of not getting information on OUR OWN account, it has been BEYOND unreasonable. First, we have been communicating with Ocwen for all these years Since it happened, and Suddenly this summer, no one can give us info. THEN when lawyers DO send " required '' signed documents, PHH, Never can find them. So they have been resent multiple times ( delaying communication for months ... .very convenient for PHH ) ~~~ Nothing is settled until all issues are addressed and I see in writing HERE, where there is a record, How TO GET FEES REIMBURSED, AGREEMENT THAT PMT IS NOT RISING, ADJUSTMENT TO LOWER, because I got the property taxes lowered. AND ADDRESS THE ADDITIONAL XXXX added to bankruptcy AFTER THE FACT The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and BBB to make PHH adhere. PHH can not arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH
|
| 04/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Ocwen essentially, by their systematic practices of giving customers the runaround, ignored my complaint and their own mistakes from the start of my journey back in XXXX XXXX , which started with my request for my Tax history information for the period XXXX - XXXX . This information was supposed by be drawn from Ocwen 's Tax history ( its own proprietary management systems ), and not " third party 's '' source or an amalgam of sources for the period in quest ion. Ocwen 's has ab jectly failed on this point, and it has orally and in writing given false information to me by stating that it only possessed tax history from XXXX XXXX , XXXX ; however, have I received tax information from XXXX XXXX , XXXX to XXXX ( un verified ). Significant harm has been done here, as I have made multiple complain ts Ocwen 's deficiencies. Ocwen 's policy handbook seems devoid of the definition of " escalation ''., " Escalation Rel ationship Manager '' are policy only , not proactive procedures to adequately resolve the complaint or escalate the call for investigation. I have no way to duel check, balance or assess the vetting processing with a third party 's details, because I did not received any XXXX or statements of my Property Tax Disbursement ( when due and paid ). There is a total lack of transparency here, which is compounded by Ocwen 's continual attempts to confuse and convince me that it is not responsible for the apparently lost details and history it has failed to provided . Ocwen has als o failed to send us any accurate periodic statements detailing how Tax charges were applied, leaving me in the proverbial dark. This kind of treatment is belligerent. This i s the 21st century and regulatory practices demand that the money trail b e followed. Besides all the abo ve, Ocwens an d its attorney, XXXX , XXXX XXXX XXXX , XXXX , have taken shortcuts and preemptively initiated a foreclosure proceeding without first forwarding the Notice Of Collection subject to the Fair Debt Collection Practices Act ( FDCPA ). There is also a bright line prohibition against servicers engaging in unfair, deceptive, and abusive acts and practices related to mortgage debt collection activities. Furthermore, it warrants mentioning that, in my case, Ocwen engaging in the same behavior for which it was fined hundreds of millions of dollars in XXXX of XXXX , along with other institutions such XXXX , XXXX XXXX XXXX , XXXX and other governing entities by the Independent Foreclos ure Review ( IFR ) i.e ., Ocwen is preemptively, under false pretenses, and without regards to the regulatory and compliance procedures initiating and pursuing a foreclosure action. I also received a settlement from a class action suit in XXXX for this same extremely deceptive conduct, which is a flagrant violation of proper practices, procedures and regulations. The same gave us ( the consum ers ) thirty ( 30 ) days t o answer with a dispute to the Notice. XXXX ( Ocwen ) ignored this step and filed before that deadline a Summon in New York State XXXX Supreme Court before that deadline. Ocwen has been a repeat offender with this illegal practice and violation of regulatory standards. This ultimately is costly and also violates mortgage servicing processes. ***I am requesting a copy of the Notice Of Collection, whi ch was never received. **** I have attached proof and corroborative details that Ocwen has engaged in significant, culturally pervasive, and systemic misconduct as I engaged with four of their departments on my mortgage servicing process. I believe the evidence will show that Ocwen 's behavior toward me is nothing less than unfair, deceptive, and abusive. Ocwens deficient foreclosure policies and procedures violate basic protocol.
|
| 01/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
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Ocwen Loan Servicing is foreclosing on my home again on XXXX XXXX XXXX. I have summited applications for mortgage assistance since they finally gave me a loan manager on XXXX XXXX XXXX which was 6 months after they acquired my loan and answered my constant calls & letters. After sending information said to have not received, incorrect over and over and new case managers over & over. I receive a notice for foreclosure. I have been forced to file bankruptcy XXXX times this last year to stop sale.
My mother & I have been in the house since XXXX, my daughter & husband with XXXX girls since XXXX XXXX. XXXX XXXX after my XXXX year old son had a sudden XXXX XXXX in XXXX XXXX while visiting I filed bankruptcy XXXX because I could n't pay full {$6000.00}. in arrears. In chapter XXXX my payments went from {$1200.00} to {$1900.00} by XXXX. Total paid to load servicer ( Homeward ) at the time of dismissal due to server not providing courts with documents for continual increases, was {$40000.00} + but I was now {$20000.00} + in arrears.
I then went to hearings fore sale with substitute trustees off loan XXXX and XXXX and they did n't even know Ocwen had taken over loan. I was given time to get them to intake my application and as I said that was 6 months in XXXX XXXX. Constant speaking to people in XXXX and sent this, that etc. Boom sale date I filed chapter XXXX XXXX with payments now $ XXXX mo. I did 6 months then filed application with Ocwen again over & over. Again no trial no denial boom sale date. I filed again. XXXX XXXX, XXXX and with payments {$2700.00}. I then tried to obtain reverse mortgate but i need to be paying mortgae for a year. So I fixed my home and put on market. With my credit destroyed I was advised this would be best.
3 weeks ago my other daughter moved in with her husband because in XXXX they had to leave their home from XXXX and she was diagnosed with XXXX that has put her hopefully temporary, in a XXXX.
So I am sending my HAMP package again as advised by NC LEGAL AID and XXXX XXXX XXXX XXXX.
I just do n't understand how with XXXX incomes and such efforts we have gone to to keep this home that there is not some government assistance program we have not qualified for. This is an interest only 5 % mortgage that was {$140000.00} that is now {$210000.00}? Payments were $ XXXX now {$1400.00}.?? I never have received any statements.. There is no reason Ocwen could not help find a program that even on trial bases would be to their advantage.
Something is really strange here.
I need to make normal payments and pay on principal as well.. I have tried everything and now again I 'm desperately wasting money to keep my home..because I want to stay in my home and pay Ocwen off in 18 months in full with a reverse mortgage. I have never been offered any trial payment plan or denial.
This is a serious matter to take someone 's home that is trying and able to make normal payments and put XXXX familys out.
I 've been running around trying to do what lawyers & advisers say.
I believe that Ocwen along with XXXX XXXX XXXX think we are trying to get out of this. why else would they not make arrangements.
Ocwen has lost their lisencing in several states and the internet I have researched NOW has hundreds of complaints.
Please take this complaint under serious considerations. I 'm an intelligent person and ca n't get through this XXXX checks only wanting full amount that was monstrous now hurindous, but we would pay to stay with a payment plan. Talking to people in XXXX. Please.. This not right!!
I 've put {$120000.00} + in down payment and payments and over {$21000.00} in new heat pump etc.etc prior to XXXX and $ XXXX through bankruptcy since XXXX. And I deserve a chance to make payments the right to pay you back in full? This is wrong!
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| 06/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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We purchased a home with a GMAC interest only loan ( {$3500.00} ) in XXXX of XXXX for {$760000.00} with a {$160000.00} down payment. Property taxes and insurance were not part of an escrow account for this loan. The California " XXXX XXXX '' burned through our property in XXXX of XXXX wiping out our XXXX XXXX. In XX/XX/XXXX we did not pay our property taxes as the XX/XX/XXXX financial collapse, reduction in my work bonus and the income from our XXXX XXXX was reduced to a loss due the XX/XX/XXXX wildfire substantially decreased our income. GMAC notified us that an increase of more than {$2000.00} per month would be required to meet escrow requirements. We had never missed a payment between XX/XX/XXXX and XX/XX/XXXX until we stopped making payments due to the increase in the monthly payment. I requested GMAC to supply me with the clause in our contract with GMAC that gives them the right to require this and they were not able to supply me with that clause. I informed them that if they could not come up with a more affordable solution we would have to stop paying all expenses related to this property other than general maintenance. Their response was " do what you have to do, there are no alternatives ''. We stopped making the payments when the higher payment was posted on the GMAC website.
During the no payment period GMAC and I talked about HARP/HAMP modifications, short sale and deed in lieu options. After a while they agreed to a XXXX month trial period and on the phone they told me that we would be qualified to modify the loan in the price range of the new payments ( {$2400.00} ) if we made the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX payments on time. Only paperwork that we received stated that we could still be denied. During this time Ocwen took over servicing the loan. For a long time there was no communication other than mail telling us of the change. It is my opinion that GMAC started the " trial period '' to generate income knowing that the transfer to Ocwen was coming. At one point with GMAC the paperwork was errantly processed and a foreclosure sale occurred which GMAC had rescinded.
When I finally was able to get someone that could help I explained where we left off with GMAC. They said they had no information about these conversations or the trial modification and that we would have to start over. So we did. We filled out another modification package and we started over. The response was that we were denied the trial modification took several months to obtain and it was never done in writing.
Now we are on a month by month foreclosure. It seems this benefits Ocwen and the investors as they can and they do deny short sale offers due to the date is too close to the foreclosure sale date as required by Ocwen ( XXXX days ). This has been a nightmare for us living XXXX on the edge of knowing whether we are going to be forced to move or not. Now it seems they want to really push for a foreclosure. I researched Ocwen and they have a terrible track record with consumers in our situation. The current settlements with the CFPB and XXXX state Attorney Generals seems to make getting us through as a foreclosure as being their most low cost alternative. We feel that we were really never treated properly. Our only goal was to get a loan modification. GMAC and Ocwen did everything in their power to convince us that we did not qualify even though our income had increased during this process. And they did a good job of this as we thought our only option was a short sale. Which they made impossible by overpricing the property to the point that all offers looked like low ball offers when they were actually at or near market value. We would like to be reprocessed as if we were back in XX/XX/XXXX when all our payments were made on time.
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| 12/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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This is the XXXX complaint I filed against Ocwen ( first is Case number : XXXX which their response is in dispute ]. On XXXX/XXXX/15 @ XXXX, rec 'd a call from XXXX XXXX XXXX, Relationship Mgr.He stated docs were rec 'd but they were missing the confirmation for my food stamps.Expl that I just rec 'd a new XXXX & would be happy to send it to him & he said ok.He asked if I could fax it but I told him the prob I had last week trying to fax them & constantly got busy signals.He then asked me if I had a smart phone to which I told him no.Told him that I could email it to him but could n't do it until Wed the XXXX to which he said ok.He then asked me to hold on while he reviewed the docs and when he came back it was with a very hostile attitude ( which can be attested to by both my wife and daughter since he was on speaker phone ) .At that point he stated the I did n't have to send the document in due to the property being foreclosed on already on that date XXXX.Asked him numerous times what he meant and got the same response " it was foreclosed on today and that I did n't have to bother sending in the document '' .He gave me a phone number stating it was a real estate something or other ( could n't understand him due to language barrier ) .Upon Researching the # it comes up being attached to Real Estate Places, XXXX cust serv, not valid area code, invalid #, debt collector, loans, getting cc int rate lower, calls & hangs up etc.That was the end of the convo. They violated every PA Foreclosure Law i.e. not supplying us with an XXXX Notice giving us 30 days to pay arrearages, get consumer credit help ( they ca n't foreclose on property until supplying that notice per the attornies we spoke to ), They never went through the court system in PA to file foreclosure papers, and that had to be done in order to be served by the Sheriff 's Dept ( which they would have it on file and they do n't ), giving us a min of 30 days before ruling and 30 days prior to sale, they never sent anything registered or certified mail which they 're suppose to. We checked with the Sheriff 's Dept today XXXX XXXX this matter and they have absolutely nothing on record about the property being foreclosed on yesterday XXXX nor do they even have on record the supposed foreclosure date of XXXX that was stopped due to submitting loan mod papers and nor do they have anything on record of any foreclosure dates for the last 6 months, Foreclosures are also to be advertised in the newspaper after filing with the courts/Sheriff 's Dept and that was n't done either ( 30 days - XXXX consecutive Fridays ) .The attornies we spoke to all said that in order for Ocwen to foreclose, THEY MUST supply us with an XXXX notice ( giving us 30 days to either pay arrearages or get consumer credit help ) and they can not foreclose unless that is done and we also have to supply the attorney with it so the attorney can proceed.Ocwen does things the way they want to even if it means not doing it the legal way. Another note, yesterday XXXX, their website state that my prop was " real estate owned '' and today XXXX it states that my acct is delinquent and I should contact the Home Retention Dept for Help and ckg my Loan Mod status, both days stated that I need to " send in your documents '', Also stated that I would be receiving a letter telling which docs were missing ( still waiting ) .And the reason mortgage payments were missed was due to the fact that when we filed for loan modifications ( total of XXXX times ) over a period of 4 years, they REFUSE to take your regular monthly pmts while the docs are being reviewed. XXXX time it took 2 mths to get a response, another was 6 mths. It 's unfortunate that you ca n't speak to anybody in the United States because their customer service is based in XXXX.
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| 06/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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A Notice of Intention to Foreclose was mailed on XX/XX/XXXX , however, a Complaint of Foreclosure was n't filed until XX/XX/XXXX which is a violation of the Fair Foreclosure Act as the Notice of Intent t o Foreclose is only valid for 180 days. However, I answered the complaint on XX/XX/XXXX . I was unaware dual tracking was taking place.I was working on a loan modification with GMAC, when my home was completely destroyed on XX/XX/XXXX by Superstorm XXXX . The insurance claim for the house was started immediately. On XX/XX/XXXX , I was notified that Ocwen Loan Servicing wo uld be taking over as the loan servicer on my loan. Since that time, I have spent countless hours dealing w ith numerous Ocwen customer service representatives, relationship managers, and multiple departments of Ocwen, trying to do a loan modification. Ocwen experienced computer programming errors which resulted in misidentifying the debt holder, deactivated my account to transfer to a new system, declared my home as vacant when it was actually demolished, poor response time, mail delays, and continuously showed their incompetence in other ways. Ocwen was well aware of my hardships and the desire to work out a loan modification in order to keep my family home of over 40 years. From losing my company, myself becoming XXXX , my wife being diagnosed with XXXX in XXXX and passing away in XX/XX/XXXX , and my home being destroyed during XXXX . I spoke with a representative fr om Ocwen at least 4-5 times a week for the past 5 years. Ocwen records all conversations so this should be documented. I would explain my situation, they would send me a modification package to fill o ut and submit to them. Another representative would tell me that I could n't submit the paperwork until I received a Certificate of Occupancy for th e rebuilt home. This became a very frustrating routine and went on until XX/XX/XXXX , when a representative told me that was n't the case and to submit the application. I submitted applications on XX/XX/XXXX XX/XX/XXXX , and XX/XX/XXXX . Each time there was " missing paperwork '', additional paperwork needed, need an appraisal, being assigned to an " expert '', a tactic used to delay and cause further hardship to me. On XX/XX/XXXX , I had received a call from a representative of Ocwen who would n't give me his name. The caller proceeded to yell at me, " How long are you going to keep dragging this out, why do n't you stop playing games ''. This was upsetting, abusive, and unprofessional. My application of XX/XX/XXXX was denied again on XX/XX/XXXX , I appealed the decision. The appeal was denied on XX/XX/XXXX , however, I found an error in the income calculations and was advised to resubmit income docu ments ( which I did ). Two departments within Ocwen failed to include additional income I reported. I am currently awaiting a new decision once they recalculate and include the additional income.
I was led to believe that the sooner the home was completed, the sooner a loan modification could be worked out. The failure by Ocwen to expedite insurance payments during the rebuilding process prolonged the completion of my home. They lost documents which involved me having to fax documents multiple times to them. They issued checks to the wrong party, I had to return the checks and wait for a new one. Ocwen has shown to be careless and disorganized. As a result of all this, I missed out on programs that might have helped me, but ended in XXXX XXXX . I believe they deliberately failed to respond to my XXXX XXXX , XXXX application until XX/XX/XXXX , and then claimed an appraisal was needed in order to properly review the applica tion. Ocwen has done no thing to help me, in fact, they are doing just the opposite.
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| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I previously filed a complaint ( Complaint # XXXX ) but I do not know how to respond to Ocwen 's response. They have not addressed the issue as to why the account balance was so irreconcilable with the amortization schedule for the loan. It has also come to my attention that the Mortgage loan by Mellon Bank, N.A. to me was illegal because it charged an interest rate in excess of what was allowable under the law. The maximum interest rate allowed under federal law for a XXXX is based on the maximum interest rate allowed by the State where that bank is located. ( 12 U.S. Code 85 ) Mellon Bank, N.A. was located in XXXX at the time of the loan as evidenced by the Plaintiff 's promissory note wherein Mellon Bank 's business address is shown to be in XXXX, Pennsylvania. The recorded Mortgage document definitively establishes in legally binding fashion that the location of Mellon Bank, N.A. is officially in Pennsylvania, as Mellon Bank, N.A. itself declares in the Certificate of Residence of Mortgagee : " Mellon Bank, N.A., Mortgagee within named, hereby certifies that its principal place of business is at Mellon Bank XXXX XXXX, Pennsylvania XXXX ''. The maximum rate of interest under Pennsylvania law at the time of the loan was 8.5 % ( XXXX ), and illegal rate of interest established by the promissory note is therein declared to be 8.99 %, although the Note 's monthly payment amount of {$450.00} over 180 months was inexplicably charging the Plaintiff an actual interest rate of 9.0107 %.
I got a mortgage loan with Mellon Bank in XXXX XXXX for {$44.00}, XXXX. The servicing of that loan was transferred to Litton Loan Servicing in XXXX XXXX. Ocwen Loan Servicing then acquired Litton Loan Servicing and according assumed the servicing of my mortgage. My loan was current and never delinquent or in default until I was diagnosed with XXXX and required immediate XXXX in XXXX XXXX. Our first missed payment was for XXXX XXXX. We pursued loan modification with Ocwen and they played games in the processing of the modification saying several times that they were missing documents, etc. They finally came back with a Modification Agreement which included a balloon disclosure of an undetermined amount. My original loan never included a balloon payment, so the presence of a large balloon payment made me first question Ocwen 's accounting of the loan. After reviewing my payments and how the loan should have amortized according to a loan amortization schedule, I discovered that there was a serious principal balance discrepancy of {$2400.00} dating back to when Litton Loan took over the servicing of the loan from Mellon Bank. Unbeknownst to me at the time, that discrepant amount of {$2400.00} was accruing interest charges and grew to be {$3800.00} by XXXX XXXX before my mortgage delinquency began in XXXX XXXX.
After confronting Ocwen regarding the inexplicably inflated principal balance and challenging them to provide a legitimate accounting of the loan that would justify the inflated principal balance, they maintained that because I did not contest the principal balance amount reflected on the servicing transfer notice sent to me when Ocwen took over Litton Loan Servicing that I became liable for that then-uncontested amount. They said that I must sign the Modification Agreement with the illegitimately inflated principal balance or I would face foreclosure. I was denied a loan modification because I could not accept their unjustifiably inflated principal balance amount. I did subsequently bring the mortgage current and the loan was reinstated and foreclosure proceedings halted. I paid the final payment required by my Promissory Note in XXXX XXXX. After making 180 payments totaling well in excess of what I agreed to, I maintain that the loan has been paid off.
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| 01/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage in bad faith locked my account to make online payment, after they already approved me to do so in XX/XX/2021. They also alleged that my Prior mortgage company, XXXX Mortgage contacted them to extend my deferment, in which XXXX did not.
PHH Mortgage marked my account Delinquent, the Deferment Agreement with XXXX stated this would not happen as long as I make my payment in full for the 90 day deferment. PHH Mortgage did not honor this and marked my account Delinquent in Bad Faith.
After Locking my account they requested me to sign a Mortgage Amendment which is open ended to allow them to charge fees for any payment type, and does not state in the amendment a fee waiver for online payments, their website mentions this, but is not in the contract to be Legally Binding. The Amendment also has one that signs it agreeing to any document execution or making now or in the future, in which how can one agree to an unknown document to be binding to all parties in the future without out a review and consideration what the unknown document. This type of Amendment is Illegal and violates State of Texas Laws and Regulations under the Texas Finance Code Section 392, and goes further in Section 392.303 ( a ) ( 2 ) A ) PHH alleged my account was Delinquent, in which it was not ; they purchased My Mortgage from XXXX and they accepted payment of {$2000.00} on XX/XX/XXXX. 2021 in which that was PHH 's 1ST Payment after purchasing the Mortgage.
B ) PHH without my consent Extended my Original SIGNED 90 DEFERMENT REQUST WITH XXXX, for another 90 days, with out My Written or Verbal Agreement. EVEN After PHH called me TWO to THREE TIMES a WEEK FOR XXXX WEEKS asking if I will make my payments starting in XXXX ( These calls were in XXXX Mornings and Afternoons Week Days and Weekends ) ; I informed them I did not need an Extension on every call ; after my 1st online payment they stopped calling me, PHH STILL MARKED MY ACCOUNT AS DELIQUINT in BAD FAITH.
C ) They sent an open ended Mortgage Amendment and Informed me I have to sign this in order for them to accept online payment, after I already was approved for this prior to XX/XX/2021, in BAD FAITH they Locked me Out of MY Account ; ( 1 ) Section 2 of the amendment just has a maximum fee they can charge as stated for any type of payment ( 2 ) Section 3 of the amendment sates that there may be additional fees for any type of payment ( 3 ) Section ( 7 ) states that the signee agree to any additional document now or in the future after signing this Amendment ( 8 ) Nowhere in this amendment does it state that fee would be waived if the amendment is signed and online payments are made. This Amendment is In BAD FAITH and Only BENEFITS PHH MORTGAGE, in which this is Amendment is void and illegal in the State of Texas.
D ) The State of Texas Views this Amendment as a Violation to States Laws and Regulations : TEXAS FINANCE CODE Section392.303 ( a ) ( 2 ) PHH Mortgage is well aware of this due to the many complaints and Class Action Lawsuit against them ; yet the forced me into an unwanted deferment, marked my account as delinquent when it was not, the XXXX Deferment Agreement states my account would not be marked Delinquent, and then PHH in Bad Faith Locked my account after receiving 2 on time payment for no reason other that trying to charge a fee, and Strong Arm me into Modifying my Mortgage with PHH in BAD FAITH ( E ) Phone calls two to three times a week for 3 weeks Violates TEXAS FINANCE CODE : Sec . 392.302. ( 4 ) HARASSMENT ; ABUSE : ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. This Occurred immediately after they purchased my mortgage Throughout the month of XXXX, 2021.
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| 05/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX XXXX Consent Order targeting XXXX females in the XXXX XXXX ( XXXX, New York ) area. Since XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX XXXX XXXX and every time my husband and I call, l we are always getting the run around about the account. There are major concerns ; in essence 1 ) From our calculations, the escrow account has a surplus and need to be refunded and canceled. I want an audit and review of the escrow from XXXX XXXX through XXXX XXXX ( 82 Months ). Please discontinue the escrow, we will pay the insurance and taxes for our property. 2 ) .The alleged loan was terminated by way of Satisfaction of Mortgage was filed by XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and was PAID IN FULL. This is the only and latest document filed against the property. A Federal lawsuit was filed and a Settlement Agreement and Consent Order was filed in XXXX XXXX by XXXX outlining the issues regarding the Satisfaction of Mortgage that was filed on my property. Both Documents are attached. 3 ). Any and all payments you received from us should be refunded from XXXX XXXX, XXXX through XXXX XXXX. A total of 82 months ( 15 years ) Principal and interest.4 ) Going forward, no payments should be required for the allege loan. A new mortgage lien release need to be excecuted and filed for the property.because of the XXXX Order there 's no contractual agreement after XXXX XXXX XXXX. I 'm in receipt of The Annual Account Disclosure Statement dated XXXX XXXX, XXXX. There are a numerous discrepancies with this Statement. The XXXX XXXX XXXX XXXX XXXX and insurance was projected and charged in error through the Escrow Account from XXXX XXXX XXXX XXXX XXXX, XXXX from OCWEN in ERROR. I 'm sending you copies of the XXXX XXXX Quarterly tax bills for XXXX XXXX through XXXX XXXX, XXXX. My account has a surplus and I 'm requesting a refund..
Pursuant XXXX ( f ) ( XXXX XXXX of TILA, please provide the full name, address and telephone number of the current owner of the original mortgage note. This request is also a Request for Information Pursuant to XXXX of Regulation XXXX Pursuant to this section XXXX ( d ) ( XXXX ) ( i ) ( A ) you must respond no later than 10 business days after you receive the REQUEST for INFORMATION.
As of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the XXXX Consent Order filed on XXXX XXXX, XXXX. I 've enclosed XXXX documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York XXXX XXXX and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the service r and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX thru XXXX XXXX and all items need to be omitted from our credit report because they are not Factual
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| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My mortgage servicer PHH Mortgage has failed to review or consider me for the government CARES forbearance program or any type of modification or restructuring of my mortgage even though I had been impacted by XXXX and multiple XXXX and XXXX situations. When I realized they were refusing to offer any type of help and scheduling my house for foreclosure sale I found a private lender that told me they could pay off PHH so I could save my home and I completed all of the paperwork and everything was in motion, but PHH still tried to sell my home. I was finally able to get someone at PHH to listen to me at the last minute ( day before foreclosure sale ) and they verified that there was an active review for payoff of PHH through this new private loan and they temporarily postponed the sale. I have now found out that there are several different programs that I should have been given access to so I could get caught up on my delinquent payments and PHH never gave me the chance. I actually attended a webinar they sponsored in XX/XX/XXXX for homeowners who were behind on payments, and I followed the instructions and attempted to apply for assistance. I never received assistance, I never was assigned a single point of contact or relationship manager, I was never given any information. When I tried to follow up on my application I was told that the wrong information was on the application so it had been cancelled. I tried to restart the process but no one would work with me or talk with me. I tried to resume making mortgage payments but I was told that since I was behind I would have to reinstate all missed payments and fees with a lump sum payment which I could not afford.
PHH Mortgage denied me access to the government CARES program designed to help homeowners who were negatively impacted by XXXX. PHH Mortgage has never given me an opportunity to be reviewed for any type of restructured or modified loan, they have never reviewed my financial circumstances to determine what options are available. Instead they started the foreclosure process, which led me to panic and try and find someone to help with a loan to pay them off and save my home.
I have worked in the field of XXXX XXXX XXXX as an XXXX XXXX XXXX for XXXX years. I have worked for the XXXX for the last XXXX years. I had XXXX XXXX in XX/XX/XXXX and was out of work for a couple of months, but had sufficient sick pay built up so that I could keep up with my bills. However, my health problems continued and I was forced to have XXXX XXXX XXXX in XXXX and then a second XXXX XXXX XXXX in XXXX. I was unable to work this entire period and had exhausted all sick and vacation pay. I was unable to walk for several months after the XXXX, so I had to hire a driver to take me to appointments, had to pay for XXXX XXXX, had to pay for XXXX XXXX XXXX to help with meals etc. as well as very expensive medications. As a result I could not keep up with my mortgage payment and fell behind. Once I was ready to go back to work I found that our schedule and hours had been impacted due to XXXX and I was making less money. I was underwater on all of my bills and it was a very difficult time. I began moonlighting working at an XXXX warehouse to make some extra money so I could get caught up. I was VERY excited when I learned of the PHH XXXX to help homeowners who were in trouble and behind on payments and thought that I would get help from your company. I am not sure why PHH would not conduct a review of my loan and situation, or advise me on what was wrong with the application so that I could correct the information to be reviewed, but instead they just kicked me to the curb. When I tried to resume making payments their agents refused to accept it unless I paid the full past due amount including fees.
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| 04/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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I disagree with the Ocwen Loan Servicing , LLC conclusion the denial of modification due to the " Home Affordable Modification " because I had reached the culmination or zenith of allowable modification ( s ) which was only one. Initially, and prior to my mortgage transfer from Litton Loan Servicing to Ocwen Loan Servicing , LLC ; I had never previously requested a modification on my mortgage but Litton Loan Servicing, on XXXX/XXXX/2007 arbitrarily and unsolicited extended to me a " loan modification offer and expressed '' their ( Litton Loan Servicing ) " hope that '' I " take advantage of '' their " generous offer today '' ( XXXX/XXXX/2007 ) However, Litton Loan Servicing did not release full disclosure on all components regarding the unsolicited modification such as the plaintiff XXXX XXXX XXXX XXXX XXXX only permitted XXXX loan modification.
When the transfer of the mortgage loan from Litton Loan Servicing to Ocwen Loan Servicing , LLC without our knowledge, as completed, I applied for several loan modifications with Ocwen Servicing LLC. Interestingly, in the last several years, I always received modification applications but never a substantial answer of unambiguous acceptance of denial. I was never made clear to me about the number of available loan modification and I was never informed about the number of loan modifications despite XXXX that I received on XXXX/XXXX/2007. If, in fact, I was completely informed about the number of obtainable loan modification, then I could make a more educated and informative decision about the sustainability of my home.
Due to the recent information regarding Ocwen Loan Servicing , LLC involvement in predatory loans " the Consumer Financial Protection Bureau ( CFPB ), authorities in XXXX states, and the XXXX filed a proposed court order requiring the country 's largest nonbank mortgage loan servicer, Ocwen Financial Corporation, and its subsidiary, Ocwen Loan Servicing, to provide XXXX in principal reduction to underwater borrowers. The consent order addresses Ocwen 's systemic misconduct at every stage of the mortgage servicing process. Ocwen must also refund XXXX to the nearly XXXX borrowers who have already been foreclosed upon and it must adhere to significant new homeowner protections ... '' Deceptions and shortcuts in mortgage servicing will not be tolerated, '' said CFPB Director XXXX XXXX. " Ocwen took advantage of borrowers at every stage of the process. Today 's action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect, dignity, and fairness they deserve. " ... Ocwen specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years, it has acquired competitors - including Homeward Residential Holdings LLC ( formerly American Home Mortgage Servicing Inc. ) and Litton Loan Servicing LP ... The CFPB and its partner states believe that Ocwen was engaged in significant and systemic misconduct that occurred at every stage of the mortgage servicing process. According to the complaint filed in the federal district court in the XXXX, Ocwen 's violations of consumer financial protections put thousands of people across the country at risk of losing their homes. Specifically, the complaint says that Ocwen ...
1. Took advantage of homeowners with servicing shortcuts and unauthorized fees : Customers relied on Ocwen to, among other things, treat them fairly, give them accurate information, and appropriately charge for services. According to the complaint, Ocwen violated the law in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging borr
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| 04/19/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American, Servicemember |
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Dear Sir/Madam : My name is XXXX XXXX. I am a XXXX year old XXXX national ( green card holder ) who has lived in the U.S. for more than 30 years. By way of background, my husband, a French-born U.S. citizen, who passed away in XX/XX/XXXX, was a highly decorated XXXX XXXX and combat-experienced war hero. In addition, he is an XXXX employee with a high security clearance for XXXX operations ( XXXX ). I have been in XXXX XXXX all of my adult life ( including being a XXXX XXXX for XXXX XXXX XXXX XXXX ). I have a son and daughter-in-law who currently reside with me. Shortly after my husband 's passing in XX/XX/XXXX, I had been introduced by a mutual acquaintance to a gentleman 20 years my junior, What follows are just a few of the issues I am facing and thought that you may wish to feature my story on your highly-acclaimed television program. As I will outline in much greater detail in the very near future ( and as I am now in possession of the relevant papaerwork which corroborates my claims, please note that the man I met is a con man who stole my identity for over 14 years ( the " long-con '' ). Through manipulated documentation, he made me believe that my mortgage was upside down, and he managed to steal all the equity in my {>= $1,000,000} home, as well as the life insurance my husband had left me in the amount of {>= $1,000,000}, took out over 15 cerdit cards in my name ( which he maxed out ), stole my social security benefits, and my husband 's social security benefits, two automobiles, my 401K, my life savings, my husband 's hand guns and ammunition, and managed to file fraudulent tax returns. Law enforcement/government agencies have done little to help me, presumably because of the complexity of these fraudulent activities. Recently, it has come to my attention that this man has life insurance as well as death and dismemberment insurance on my head. I was also involved in a very suspicious car accident that resulted in a broken clavicle.My phone lines are bugged and I am followed everywhere I by rough-looking gangster types. The above, is just the tip of the iceberg of a money laundering, life insurance for murder. The man I speak of is a convicted ex-felon ( extortion, credit card fraud, assault, grand theft auto, ... with a violent nature, who has threatened my life, my son 's life and my daufghter-in-law fears that she may also come to harm. Again, the individual I am talking about is part of a ring that specializes in elder financial abuse, mortgage fraud, money laundering and, I believe, life insurance murder, as well as international money laudering ( I have a bank account in XXXX that I believe, he has involvement in ). Please let me know if you are interested in touching base with me to discuss the possibility of exposing these conmen who stole my American Dream and make me afraid for my life. My home is in foreclosure ( he has bribed the mortgage servicer Ocwen ) to create fraudulent foreclosure documents. At the end of my life, I am facing homelessness, and I need your input, should the above be of interest to you.
With respect to dates and monies stolen, below please see a few ( certainly not all ) fraudulent activities.
XX/XX/XXXX : {>= $1,000,000} life insurance stolen ; XX/XX/XXXX : {$300000.00} loan - mortgage fraud.
XX/XX/XXXX : {$640000.00} loan Ocwen/XXXX XXXX mortgage fraud ; no payments made to servicer since XX/XX/XXXX.
2008 : {$220000.00} loan ( XXXX XXXX ) ; no payments made to servicer.
Since XX/XX/XXXX : grand theft auto ( twice ), social security fraud, IRS fraud, New York State Comptroller Fraud ... - none of the above could have taken place without having bribed Ocwen personnel. Many settlement conferences have taken place since XX/XX/XXXX without my knowledge/authorization.
All of the above
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| 01/17/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Ocwen is not adhering to the new servicing standards for servicing loans found in the National Mortgage Settlement. Ocwen is using a robo-signed document that was filed on XXXX XXXX, XXXX to foreclose on our home. This document was first filed by an employee of Homeward Residential f/k/a American Home Mortgage Servicing Inc. Ocwen began servicing our loan XXXX/XXXX/XXXX. When Ocwen took over the servicing of our loan, our attorney sent Ocwen a letter on XXXX XXXX, XXXX stating that we dispute the validity and recoverability of the note. We had a lawsuit with American Home Mortgage Servicing Inc., in XXXX County. Discovery with the defendant American Mortgage Home Mortgage Servicing Inc revealed troubling discrepancies, including but not limited to the authenticity of the loan documents, the transfer of ownership of the loan, the alleged inclusion of the loan into the Option One Mortgage Loan Trust XXXX, the limitations imposed by Option One Mortgage Loan XXXX, and robo-signed document filed in the land records office on XXXX XXXX, XXXX. Our attorney asked Ocwen to provide the name and address of the original creditor, as well as the document evidencing transfers that would give Ocwen the authority to service the loan. Ocwen finally responded to this request on XXXX XXXX, XXXX. Ocwen informed us that they would not be able to provide us with the original wet ink signature loan documents. They informed us that we could contact their customer care department to remit the applicable fee and request the required loan documents.
Ocwen is in violation of Texas State Laws and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which protects consumers from unfair, deceptive or abusive acts or practices by mortgage servicers. Ocwen is in violation of the proposed consent order with the Consumer Financial Protection Bureau, XXXX States, and the XXXX that is dated XXXX/XXXX/XXXX.
XXXX XXXX XXXX, XXXX, Tx XXXX is our homestead and primary residence. Ocwen has listed our home for foreclosure sale on XXXX/XXXX/XXXX. Ocwen has not provided accurate, reliable, or competent evidence. Ocwen has violated XXXX XXXX, Texas Government Code, Section 51.904. XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company filed a fraudulent assignment of Deed of Trust in XXXX XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Ocwen is relying on this fraudulent instrument to foreclose on our home. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages.
Affidavit from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed in XXXX XXXX in the XXXX County Land Records office void. Ocwen has not produced copies of assignments of mortgage or deed of trust to demonstrate the right to foreclose on note under state law. Ocwen is still engaging in illegal behavior that has put us in danger of losing our home.
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| 11/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I XXXX 2011 I was granted a hamp by ocwen because I was in bankruptsy andmy attorney helped by writing if I did not get one would not be able to keep the hohouse. In XXXX 2011 I had a flood in the house and was so consumed with waterer I was 2 days late and the second trial payment and they canceled it. I tried tomake the payment and they would not take it. I had not advocate but myself ottry to deal with them. the bankruptsy attorney was done and past. I was givenan in house mortgage of XXXX I could not pay. I got sick, had XXXX now. I can not work at all. I only havesoc andpension which is net of XXXX. Ocwen insists on the gross of XXXX XXXX as income.my other bills take up all that incoe without a mortgage.
I maybe could cut some if my mortgage wasXXXX or XXXX as the hamp but cannotpay the XXXX inhouse mortgage they gave me. They argue since I was late onthe second trial hamp by 2days that I can never have another. Another personat Ocwen told me in three years I could It has been over 3 yaras and I reappliedand theysendt me an in inhouse more than the XXXX icould not pay. It includedthe unpaid mortgage for a year at 2 percent but no principle reduction. my housis not worth the tax value of it. it is taxed with othr houses in my areanot in floodzones. mine and the XXXX next door are in a flood zone and not one would XXXX for it. plus it need any repairs I can not make. I have made many repairsome not paid for yet. I need another hamp with principle reduction and recastof up to XXXX past due.
I was told today if I had contracted a houseig counselor about the2 day late hamppaymennt they might could have helped. I did not know.
I reapplied in 4 years as theysaid and they turned me down again contrary towhat I had been told that I could reapply in 3 years.
The hamp tier two they say my income is too much. they gross it. the actual incomecome is not too much. I never see the taxes.
There is nothing I can cut from my budget but food which I have done. I havebeen in bed for a year not abletowork andhave XXXX less a month and will neverwork again.
I ca n't cut out any of my monthly payments. I need the principle reduction and thethe hamp.to stay here. without me this house would be condemned. it is fallingapeart andnot worth the tax value on it. XXXX just taxes all houses of the sizealike no atter the condition of if they are in a flood zone.
The tax value is XXXX but no one in their right mined would pay that for this househouse not more than XXXX in mint condition which it isnot.
The deck is falling apart from the house due to water and termites, and stepschipped and unsafe and garage doors need replacing and the cemet in the garageis all torn up. the condition of th house isnot worth the tax value.
I need help getting the hamp back. I could maybe pay XXXX or XXXX but not more andand with esceo and insurance included.
my bill add up to XXXX and my income is XXXX net which is all I get.
I do n't get the gross.
I was just paying my bills barely without a mortgage for a year.
I will have to find work after the sergeries somehow but I am XXXX and there isnothing I can do. I am fired from my part time job due to inability to work.
I have not job. I have not earned income.
I need help getting the hamp reoffered to me with esceo and flood and homeowI want to keep the house and use flood ins to keep restoring it forme and for thewithout my flood ins the house would be condemned. My bill information is availableif I am given an email address to send it to. ocwen has lied to me telling me Icould reapply for the hamp in 4 years. it has been that. and now they say not atall nor a tier 2 for I make too much. I am not in a high income bracket.
they have my taxes and all my pension and soc information and ihave no emplo
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| 04/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I attempted to have my mortgage that is currently serviced by OCWEN. When initially starting the modification request, I asked if I decided to not do the modification once approved, that it would not effect my credit and I was assured it would not. I proceeded with the process, and was approved for the trial modification period. I asked what the terms of the modification were, and I was told that I had to make all XXXX trial payments prior to the actual terms of the modification being sent to me. I once again asked " if I decide to not accept the modification will it effect my credit? ", once again I was assured it would not. I completed the XXXX trial payments and received the terms of the modification as there was {$5000.00} added to my current mortgage balance that could not be explained, and when I asked for documentation showing what was comprised of the {$5000.00}, I was told that I would have to submit a request to the research department and they would mail me the documentation in 30 days, which was beyond the date the modification needed to be accepted. I declined the modification as I felt the slightly lower payment and interest rate, but undocumented {$5000.00} addittion in principal balance and balloon payment, were not in my best interest. I received a statement for XXXX stating the balance due was {$4500.00} to bring the mortgage current, which I expected as the modification payments were smaller than the original payments. I made a payment of {$3600.00} on XXXX XXXX, and attempted to pay the remaining {$1000.00} on the OCWEN website on the evening of XXXX XXXX. The website would not allow me to make a payment on my loan. I called OCWEN on XXXX XXXX, to make the payment and I was told that my payment from XXXX was due in the amount of {$800.00} ( Approxament amount as I did not right it down ). I asked what had happen to my payment of {$3600.00}, and after the representative did some researching, I was told that, the payment had been returned as it was not for the full amount of {$4500.00}, and that I was over 90 days late, and because now it was XXXX XXXX, I was 120 Days late on my mortgage and {$5600.00} was due. I was dumbfounded as to why a customer who had just completed a trial modification, and rejected a horrible modification, receives a bill for XXXX XXXX, and attempts to make the payment as required with 30 days, has his payment rejected and is being reported as 120 days late to the credit bureaus. I asked for the issue to be escalated, and it was. The next person I spoke with stated they would take a certified payment that I would incurr more fees in providing it to them and then she would send a request up to the credit reporting department to see if they would provide me a one-time courtesy, but no guarantee that this would be corrected. I stated that I was willing to make the payment but not until I was guaranteed to have the credit reporting corrected to not show any late payments as everything was being paid as billed and within the proper time. I threatened to contact the CFPB and/or an attorney. They really did n't care, and told me to call them back to let them know what I was going to do.
All I ask is that I be able to continue to make my payments with no negative credit reporting. I was told twice in this process, that my credit would not suffer if I opted to not do the modification. I made the payments that were required of me, when the statements were sent, and I am asking that you help facilitate the common sense that has not been shown by OCWEN, in reporting that payments were on time and have not been late. If this is not resolved, if the CFPB can recommend some attorney 's that have an expertise in this feild I would greatly appreciate it. Any other recomendations are also appreciated.
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| 10/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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As an additional matter, we have performed a review of the current loan activities with your company. Needless to say, we are alarmed with the manner in which we have been treated by your company 's representatives. Your representatives have made blatant misrepresentations causing us serious damages, including the potential foreclosure of our home. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. Following is a summary of our Procedural findings : There are many legal issues here ; LACK OF CLARITY AS TO REAL PARTY IN INTEREST WITH STANDING TO FORECLOSE The Deed Must Follow the Note : Physical Separation of the Promissory Note From the Deed of Trust, Necessarily Results in the Permanent Severance of the Relationship between the XXXX Instruments, and Any Previous Ability of XXXX to Produce Any Causal Effect upon the Other is Extinguished We believe and allege in good faith the all foreclosure actions being presently carried out against us and our property is invalid. Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " G '' XXXX and the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " H '' ), that purportedly assigned all beneficial interests under the original Deed of Trust ( Exhibit " A '' ) to the purported foreclosing beneficiary, the XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates Series XXXX, was invalid by the very contractual rules that govern deposits of XXXX XXXX XXXX and Notes into this Securitization Trust. Also, this assignment would have resulted in the permanent separation of the Promissory Note from the Deed of Trust, and thereby converted the debt on the XXXX into unsecured debt. Chain of title in this case is unclear to say the least. The right to foreclose appears to sit with more than XXXX party but in actuality belongs to no part involved with this case. ( XXXX ) The first possibility is that only the Deed of Trust was assigned via either the Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " G '' ) or the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " H '' ), and not the note. The pooling and servicing agreement ( Exhibit " P '' ), which created the trust, does not allow ANY individual transfers into the trust after 720 days after the closing date ( Exhibit " P '', pp. XXXX ). The closing date on this XXXX XXXX was XXXX/XXXX/XXXX ( Exhibit " G '', pp. XXXX ). This would extend the maximum allowable time for the deposit of both the Deed of Trust and the Note, together, into this trust to about XXXX/XXXX/XXXX. This Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " G '' XXXX and the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits " H '' ) were not executed until XXXX and XXXX respectively. These dates are XXXX and XXXX years after the outermost deadline allowed under the contractual terms of the pooling and servicing agreement. A proper, timely, and lawful transfer of this property into this securitization trust is a contractual and factual impossibility. Therefore, only the Deed of Trust was transferred and thus the XXXX only has possession and ownership of the Deed of Trust, not the note. The Deed of Trust alone is a nullity and has no authority to foreclose. In this case XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates Series XXXX did not possess the Deed of Trust in a timely manner it has no claim against this property.
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| 08/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH started servicing my mortgage on XX/XX/2019. At the same time my mortgage interest would increased resulting in an increase from about {$1800.00} to {$3000.00} a month. Prior to this date, I received letters from my previous service provider indicating the changes and I started the process to refinance my loan, bringing my mortgage down to about $ XXXX {$2400.00} a month and we were set to close in XXXX. I also made the necessary changes in my online banking to make sure the payments were made to the correct back starting in XX/XX/2019. However ; I forgot to change the amount to be paid. On XX/XX/2019 PHH received a payment of {$2000.00} which is what I use to pay my pervious provider and they would apply the additional funds to principal. On XX/XX/2019 I realized I had not change the amount to the new total amount due of {$3000.00} and made an additional payment of {$2000.00}. On XX/XX/2019 I was contacted by the loan officer working on my refinance and was told that a pay-off statement showed I was late on my mortgage and that if I did not get the issue resolved by the end of the month the refinance would not go through and I would have to start the process all over again. I immediately contacted PHH and spoke to a representative who stated they had received that {$2000.00} payment on XX/XX/2019 but since it was not the total amount due, it could not be applied towards my monthly payment and the funds where placed in a suspense account. The representative also confirmed they had received the additional {$2000.00} on XX/XX/2019 and that they did not know where to apply the funds so again they were placed in the suspense account. The representative said he had to put in a work order to have the funds moved from the suspense account and post as a payment towards my mortgage but it would take up to 72 hours. I explained to the representative the issue would effect my refinance and he assured me it would be corrected in the time specified.
I continuously checked my online statements for changes and seeing no change on XX/XX/2019 I called PHH again only to be told the work order had been placed and they were still waiting on the funds to be moved from the suspense account. I demanded to speak with a supervisor and after a long wait I was connected and had to explained my self all over again. The supervisor said she would look into the issue and that she would get back to me. Again, I explained this had to be correctly immediately or it would effect my refinance and possibly my credit.
On XX/XX/2019 I received an email stating " There is a technical issue that is preventing us from posting the funds intended for the XX/XX/2019 payment? At this time, sufficient funds have been received for the payment, and it will be applied and the payoff sent as soon as the situation is resolved.?? '' Since then I have made an additional payment of {$3100.00} for the XXXX mortgage but the online portal and the pay-off statement still show a XX/XX/2019 due date and there is {$7100.00} in the suspense account. I have contacted PHH via email and phone multiple times only to be given the same answer. " Please be advised that we are still working to determine the fix to the technical issue that is affecting the account. We have not yet completed the process.
This issue has delayed my refinance process costing me and additional $ XXXX {$700.00} a month. If the issue effects my credit my loan officer said I would have to wait a minimum of 12 months before applying again and pay again for the appraisal. The refinance process can take up to 3 months so the inability of PHH to quickly resolve their " technical issue '' could potential cost me $ XXXX {$10000.00} not to mention the mental stress and impact this could have on other living expenses.
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I 'm filing a complaint against Ocwen Loan Servicing ( OLS ) and XXXX XXXX XXXX. regarding a matter of dual tracking, illegal foreclosure and deceptive practices as well as non-transparency while servicing lien rights. My wife was and still is currently caring for her mother which is suffering from XXXX, which involves weekly XXXX as well as our son which was XXXX at the age of XXXX. My wife was in the middle of negotiations with OLS, before, during and after the sale of my home occurred. The timeline leading to the sale of my home on XXXX XXXX, 2015 are as follows : My wife received a call from OLS, agent on Tuesday, XXXX XXXX, 2015 demanding payment on the mortgage loan in question. She emphatically advised the agent that we desired to keep the property and save our home, particularly due to the medical conditions of our family members as well as positive equity in the home at that time. She attempted to offer a payment over the phone and was advised that certified funds is required and was given XXXX XXXX ( XXXX ) money wire information. My wife promptly made payment via XXXX, the very next day on XXXX XXXX, 2015. ( See Exhibit A-Western Union Payment Receipt ) Apparently, OLS rejected the payment without notifying me of any such action. This is XXXX of many deceptive actions that were perpetrated against my family before and during the execution of sale of our home. Misleading my wife 's efforts to make amends in catching up on our loan modification payments. We were made to believe that OLS, was in fact on outside and working with us to overcome our delinquency.We did not find out about our payment being rejected until my wife received a letter via regular mail from XXXX at XX/XX/XXXX, which was dated XXXX XXXX, 2015. ( See Exhibit B- XXXX XXXX notice of rejected payment ) My wife immediately contacted OLS on XXXX XXXX, 2015 about the rejected payment and was advised she needed to apply for a loan modification. At no point did the agent advise my wife of any action such as referral to the law office of XXXX XXXX. After completing a financial interview with her over the phone, the agent allegedly generated a modification package to be sent and an appointment was set to speak with a relationship XXXX named ( XXXX XXXX ) for XXXX XXXX, 2015. The day of the conference call was received by XXXX, my wife expressed that the package had just been received the day before on XXXX XXXX, 2015. XXXX apologized for the delay and again for the rejected XXXX payment from XX/XX/XXXX and assured my wife that there would be no sale attempts made to the property and all activity was on hold due to the initiated review and the fact that there was an assigned single point of contact ( SPOC ). In fact, XXXX went as far as completing another over the phone interview with my wife as done by the previous agent on XXXX XXXX, 2015. She asked when she could gather and fax the required documents to support the information given over the phone. She advised the agent that she would have the documents faxed no later than XXXX XXXX, 2015. XXXX again assured my wife that all was well and that she need not worry of any threats to the subject property and set up a new conference call for XXXX XXXX, 2015, making no mention of potential sale date pending for XXXX XXXX, 2015, further desensitizing my wife to any threat of foreclosure, which is deceptive and misleading, fraud to strip away all positive equity in our home. ( See Exhibit C- XXXX XXXX Electronically Completed RMA Dated XXXX XXXX, 2015 created by OLS internal System ) After our home was sold on XX/XX/XXXX and XXXX called as planned on XXXX XXXX, 2015, to say the home was sold and nothing could be done any longer. Also that we would have to deal with the Real Estate owned department from now on.
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| 11/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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We wrote Ocwen to advise that we are very dissatisfied with how our account is being handled. Since the time of our new agreement, which was handled by an attorney in XXXX, we have been paying our monthly mortgage payment of {$770.00} - {$780.00} regularly. After making our XXXX XXXX mortgage payment, we received notice that it had been returned. We contacted Ocwen inquiring as to the reason said payment had been returned. We were advised by a representative that they were unsure, possibly a mistake in the system. We also inquired as to whether any penalties, fees or interest would be imposed due to the mistake & were advised that nothing would be imposed. We were further advised that it would be researched & someone would get back to us. We had resubmitted the XXXX payment with a letter stating that we have not received any explanation & that we have been making the {$780.00} payments regularly. Further confirmed in the letter that we were advised that no penalties, interest or fees would be imposed. We made our XXXX payment as scheduled ; again that payment was returned along with the XXXX payment with no explanation other than " Demand/Demand Expired ''. We once again submitted XXXX, XXXX and XXXX payments with a letter requesting an explanation as to why they were being returned as well as confirming that no penalties, fees or interest would be imposed since payments were made on time, but refused. We also advised that should they continue to return payments with no explanation that we would be contacting our attorney. Once again ; payments were returned with no explanation. We made our XXXX payment & resubmitted XXXX, XXXX & XXXX XXXX XXXX XXXX we received a certified letter enclosing a modification packet. We contacted Ocwen who advised the reason our payments were being rejected was due to the fact that the payment was not in an amount enough to satisfy the monthly payment. We were further advised that in XXXX XXXX our monthly mortgage payment had increased due to the " Escrow Analysis ''. We were advised that said analysis was sent to us. We never received said analysis. We were also advised by the rep that they supposedly sent out notices every 30 days advising that our account was delinquent ; that due to our bankruptcy they are prohibited from notifying us via telephone. We have never received any such notices. The rep further advised that beginning in XXXX XXXX our monthly payment once again increased due to the " Escrow Analysis '' that was supposedly sent to us in XXXX. We advised that we never received said analysis & had we received same that we would be making the necessary payments. For the time period of XXXX XXXX through XXXX XXXX all payments of {$780.00} were made and accepted w/ no notification that said payments were insufficient. The rep advised that the reason the payment had been increased was due to taxes and/or insurance increases. We contacted our insurance agent as well as the tax collector. We were advised that the increase from XXXX to XXXX was less than $ XXXX/year combined. We can not understand the reason why our escrow would now suddenly be in the negative after all this time. We also can not understand why they would accept payments for a year w/o notification that said payments were insufficient, yet beginning in XXXX XXXX they begin to return/ refuse said payments. When contacting them again rep advised that due to the " Escrow Anaylsis '' and the " cushion '' that our account had gone into the negative. Payments were not being accepted as they were not enough to cover the amount due & that since the account was over 90 days behind that partial payments would not be accepted. We have never received any Escrow Analysis. Now they want to demand over {$6000.00} to avoid foreclosure.
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| 03/29/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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I purchased my house in XXXX XXXX through XXXX XXXX that was eventually taken over by XXXX XXXX XXXX. My interest rate was 7.5 % & I was approached by a company that offered to refinance my home & lower my interest by 2 % in XXXX XXXX. During that process I asked the loan officer if going through with this refi would effect my eligibility for the mortgage programs that were being offered by the Government at the time. His response was absolutely not, anything you are eligible for right now will still be offered for you after the close of escrow with the new mortgage. I had asked this same question several times & I was given the same answer each time. Additionally I had just left my employment & was not working so saving money was even more important at the time. Upon review of the loan documents a few years later I discovered that the loan officer illegally changed the loan documents to manipulate the underwriters for the new mortgage company by claiming I worked for a company that I did not work for and he added his own figures that were untrue. I specifically asked him how I would be able to qualify for a new mortgage if my income was comprised at that time & he told me that it was completely fine and it was a special program being offered by the government called a streamline refi & there was no income requirement because your already in a mortgage your just saving money by getting a cheaper interest rate. By the time escrow closed it was XX/XX/XXXX and when I attempted to sign up for the federal mortgage programs that were out due to the housing crisis I was denied & the reason given was that my mortgage needed to be dated XXXX XXXX and prior. So my worst fears of the refi making me ineligible were realized & that company who processed my refi had completely lied to me and XXXX me out of the very programs I needed to ultimately save my home. That meant that all of my neighbors received principal reductions & many of them purchased their homes for XXXX % of the cost of my house. As an example both of my neighbors have mortgages now of $ XXXX and mine is stuck at the original purchase price of $ XXXX. This translates into a difference in mortgage payment of {$900.00} per month which clearly puts me a financial disadvantage & I am not eligible for any assistance or relief. The reason my employment was comprised is due to XXXX. This lead me to file for Social Security XXXX in XXXX XXXX. I have been fighting for XXXX ever since & I only recently on XXXX XXXX XXXX had my hearing in which I am now waiting for a decision on that my attorney says could be another 120 days. Meanwhile my house is in foreclosure and is scheduled to be auctioned off on XXXX XXXX XXXX & I am completely distraught at the thought of being homeless with no where to go while dealing with such serious health problems in which I take more than XXXX different medications for. During the past few years I emptied my XXXX and maxed out XXXX credit cards and accounts & I have taken personal loans all in an effort to stay afloat while I wait for my XXXX case to be finalized. Had the loan officer and company not lied to me I would be completely secure because I would have been allowed to get a mortgage principal reduction & an interest reduction of up to XXXX additional % points which would have saved $ XXXX per month which would have allowed me to be able to afford my payments like everyone else around me effectively saving my home from foreclosure. What can I do about the lies that caused me to be ineligible for the federal programs that I would have otherwise been able to get & what can be done about the fraudulent paperwork they submitted to get the new loan? The Co. Name was XXXX in Ca. My current Mortgage Co is Ocwen who bought out GMAC which I had.
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| 08/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My loan originated with IndyMac Mortgage who then became XXXX west with XXXX XXXX and now Ocwen who claims to be a division of XXXX XXXX XXXX. XX/XX/XXXX or XX/XX/XXXX I contacted XXXX to discuss a loan modification due to the fact I was already severely underwater after just two years of ownership and as a result of an obvious rouse performed by the banks to steal the average home owners home and savings. I was told in no uncertain terms that the only way to qualify was to be at least XXXX months late on my payments, which at that time and never before in my life was I. After several months of phone calls and heavy heart, I conceded and stopped making the payments as directed. I was also told that my reason for default hard to be due to " hardship '' and not simply that I was fleeced and trying to make the best out of a bad situation. Due to the fact that my profession was XXXX in XXXX Florida { my entire life } that was n't too hard because their simply was n't a market for construction due to the banks and wall streets collusion and misdeeds. I was served a default letter and soon thereafter received my foreclosure papers. Soon thereafter, I applied for my loan modification, as I was coerced to do, along with all the required paperwork and cashiers check for the amount agreed to with the banks scam artist servicer. After the three month review period expired, I was informed I did not qualify. The money was not credited to my account { kept by servicer } and never returned. Due to my desperation to keep my home, I applied again but this time did a better job of documenting my conversations with the servicer and included with each payment the terms agreed to with them. My letters explicitly said " If you accept and cash these payments then you agree to these terms as you proposed and are described in this letter as represented to me by the servicer, on the banks behalf.
Of course they took the money, denied my loan modification again and did not and would not give me an account as to where the funds went, even to this day! Subsequently I hired an attorney to defend myself. It has been 7 years since the foreclosure started and XXXX or XXXX law firms for the banks later and my case may finally becoming to trial. Herein lies the biggest rub of them all, even though their is evidence In my case of a confessed Robo Signer, XXXX acting as the owner, a lost note and mortgage filing from the bank, thus an admitted lack of standing by the banks at time of filing the lawsuit, etc. I was advised by my law firm two years ago that the case was too unpredictable and filing for Bankruptcy was my best course of action to protect myself and postponed an impending trial. I was told that I needed to shed the debt so when the time came to deal with the banks, I would be in a much better position. Although heavily in debt due to the losses incurred in my business which I personally was liable for, I had made payment plans with my creditors, on my own, and was admittedly struggling but keeping up with them. None the less, I reluctantly filed as my attorneys stated that they were not ready to take my case to trial because the environment in the court room was too ambiguous to give me a fair trial. I deliberately did not submit to a loan mod or allow the house to become part of my payment plan, as I was expecting to have my day in court after the bankruptcy. Fast Forward to the present, I am now being told that due to my filing, I surrendered my house, and have very little recourse or defense in court even though it is not part of my payment plan! I am told that the banks are now using this tool to steal back the homes that they most likely have already been paid for or will be reimbursed for if they do n't get them back! Please Help!
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| 04/30/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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Mortgage Company : Ocwen We filed for bankruptcy in XX/XX/XXXX, discharging the mortgage debt. We attempted to short sale the property with approval from the bank. The property did not short sale after six months, so we entered into the deed in lieu process on XX/XX/XXXX. We signed the final paperwork on XX/XX/XXXX. After that, we did not hear from the bank so we called them back in XX/XX/XXXX, the bank stated that the deed-in-lieu process was completed and finalized. Before signing the final paperwork, we left the property in broom swept livable conditions and turned the keys over.We removed the insurance on the property because we were paying the dwelling policy out of pocket and we did not own it anymore according to Ocwen.
Ocwen generated a letter onXX/XX/XXXX stating that the Deed-in-lieu was cancelled. We had not heard from Ocwen since we talked to them regarding the deed-n-lieu finalization in XX/XX/XXXX. When we checked with the county, we discovered that the deed was never recorded and Ocwen took too long to record the deed. After this, we found out that there were squatters living in the property. The squatters had been there since XX/XX/XXXXand Ocwen Representatives had visited the property on several occasions attempting to get them out. Ocwen never notified us during this time that they failed to record the deed or that there were unauthorized occupants living there. We found out after receiving calls from the neighbor.
On XX/XX/XXXX we spoke to Ocwen 's Escalation Management Team Reps Name : XXXX ID # XXXX who questioned why I needed the names and ID 's of representatives that we have spoken to.
To get the below information we spoke to Relationship Manager, XXXX XXXX on XX/XX/XXXX @ XXXX XXXX while we were in the prosecutors office about the squatters. Here are the questions we asked Ocwen and these are the answers.
Date we initiated the deed in lieu request : Ocwen said they received the paperwork on XX/XX/XXXX Date we signed the final paperwork :XX/XX/XXXX We also asked them if we still own the property and they responded, Yes We asked what took so log to record the deed? We couldnt get them to answer that question We asked how come they never informed us that we still owned the property and that their were squatters there? They said they couldnt answer that We also called Monday --XX/XX/XXXXafter the neighbors called us frantic because the squatters damaging the home.
Representatives Name : XXXX XXXX
After we couldnt get resolution on the call with XXXX, about the cancellation of the deed in lieu, why they didnt we record the deed in time, He Called us back and asked us to remove the squatters.
OnXX/XX/XXXX, The XXXX County Prosecutors Office proceeded to get the squatters removed. After Detectives raided the home and instructed us to change the locks and put their items on the curb. The squatters came back after detectives left became violent and broke every window out in the property, the house is deplorable and we put a lot of time, money, and resources into trying to get these people out and the exterior clean up. The property is not in livable condition on the inside and had to be completely boarded because the city mandated that we not leave the property in that condition.
We were threatened by these people and were put in a situation where are lives were put at risk. This is all due to the banks negligence in their failure to properly take possession of the property. Their negligence also allowed our identity to be stolen as the squatters researched the county and land records and drew up a fictitious lease in our names. Our attorney sent a letter to Ocwen and we have been calling them. They are unresponsive to this horrible situation that they put myself and my husband through.
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| 05/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I filed Chapter XXXX Bankruptcy in XXXX. At the time my loan was current. My Mortgage company filed Bankruptcy and the loan was sold, then after I filed I was told to do a loan modification. The Modification was done in XXXX with OCWEN. We filled out all the paperwork and were told that to qualify for the loan the payment needed to be in default and to stop making the payment while the modification was being processed, reluctantly we did. After months of waiting the modification was done and they ended up adding XXXX to the balance of our loan. At that time as far as all the paperwork the loan was current and the escrow was current. The remainder of XXXX, XXXX and up until XXXX XXXX all the payments were made and the escrow was fine. In XXXX XXXX OCWEN removed over XXXX from my escrow account calling it a POC ( proof of claim ), which they claim was a pre-petition shortage in our escrow, this is impossible 1. the account was current when the Chapter XXXX was filed 2. they did not even have the loan in XXXX when the Chapter XXXX was filed 3. if they filed a proof of claim the court would have it and 4. if this was an accurate claim payments would have been to them by the Trustee as part of the proceedings. Their action have put my escrow in a negative balance and then they upped the payment over XXXX per month, which could not be afforded because we filed Bankruptcy. We immediately contacted them explained if they had a Proof of Claim they should contact the Trustee handling our Chapter XXXX and they had no right to remove this money from our escrow account, I am still waiting for them to give an explanation. Meanwhile they have been applying my payments to this shortage and now my payments are behind. I just contacted them again today requesting a line by line accounting of the XXXX added to my loan, and a copy of their proof of claim for our attorney. I was met with condescending, argumentative and a rude response. They told me I should have my attorney contact their attorney when I asked for the name and contact information, they were unable to provide that. When I asked for a copy of the proof of claim the response was " well its not a proof of claim it was a transfer of claim '', they did n't have a copy to send me. I was asked if the line by line accounting was for my attorney I responded yes, and I was told that he should call for it. I told them this is my account I have the right to ask for copies of any documentation related to my account, I was told it would take 10 days. Now I have been getting nowhere with OCWEN for 11 months regarding this escrow discrepancy and our Bankruptcy is nearing the end of its period, ( XXXX XXXX ). We were told if we did n't bring the account current in XXXX XXXX they would file for foreclosure, we have quite a bit of equity in our home and we will not lose it. The Escrow account is not for OCWEN to remove money from whenever they feel like it. IF they had a claim it should have been dealt with by the Trustee of our Chapter XXXX. Due to their actions my account is behind. They refuse to send me the documentation I have request and refuse to explain themselves for over 11 months now. We believe that they are purposely dragging this out so they can file for foreclosure in XXXX and make even more money because we have XXXX in equity in the home. If something is not done we stand to lose our XXXX in equity along with our home, time is of the essence in this situation and I am getting nowhere with OCWEN. I have contacted our Bankruptcy Attorney for guidance and OCWEN needs to be stopped. I have read over XXXX complaints against OCWEN regarding the same type of deceptive acts, and after reading the complaints realize that this senario is being played out over and over every day.
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| 06/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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Below is part of letter that I sent to Ocwen Loan Servicing ; they replied back with saying they would modify the loan under HAMP, but the conditions were a 3 % rate and they would add a balloon payment of {$170000.00} at the end of the mortgage.
Premise -Since the inception of this mortgage loan, it has literally taken a toll on my family and I. My family consists of my wife and I and XXXX children ; all who currently live in our home. Back in XX/XX/XXXX. I started a construction project on my house. Having only a XXXX bedroom house at that time, we needed more space for my family. I did most of the construction myself and my goal was to do it over time. As long as I had the roof and siding on, I was n't concerned on how long the inside would take for me to finish. I knew we had limited income and could only do pieces at a time. As you will see from my tax return of XX/XX/XXXX, we made {$50000.00} in income before taxes. Not a lot of money considering the cost of living in New Jersey and our surrounding area and although it was tight, we managed. My credit was also towards the lower end. So, the probability or possibility of getting another loan was not high.
I responded to an ad and I talked to a mortgage broker who told us he could not only help to finance the construction, but also to get a new mortgage approved once the construction was complete. Although, I could not believe that this was possible, we said ok. This is where they roped us into a short loan of {$30000.00} at 24 % interest into a larger mortgage. But the mortgage broker was so slick, even coming to my work and having me sign papers on top of my car. Although, I thought it was different, I guess I trusted the guy. But somehow thru the whole process, I started with a {$150000.00} mortgage and ended with a {$260000.00} mortgage and got very little value of it.
Predatory Items -1 ) Asset Based Mortgage instead of ability to pay - Debt to Income - Exhibits E & F - Total household GROSS income in 2004 was {$50.00}, XXXX ; Total of yearly mortgage payment = {$30000.00} ( {$2500.00} per month as represented in the papers ) 60 % of my gross income to pay the mortgage, which is absolutely unsustainable.
2 ) Appraisals - Exhibits A, B, C, D - Appraisal used by mortgage broker/mortgage company was inflated because of the lack of income and credit report ; they needed the inflated value of the home to be high ( Their appraisal came in at {$540000.00} ). Our town had independent appraisals also done that year and their appraisal came in at {$200000.00}. That leaves a difference of {$230000.00}, which any reasonable person would conclude that the brokers/banks appraisal was flawed, either intentionally or ineptitude. Given our documented income and credit, what would a reasonable person conclude?
3 ) Multiple, Duplicate Fees and Varying Truth in Lending Documents - Exhibits G, H, HXXXX, I, J - The broker came to my work at least XXXX times that I remember to sign documents ; and I literally remember signing them on the top of my car.
4 ) Given copies of documents prior to signed copies - Exhibit K, L - Some of the documents I signed, I never received a copy of the signed copy ; I was just given a copy in advance of what I signed. So, in reality, I could have signed something completely different.
5 ) Value received nominal compared to the cost - Exhibits M, N - I started in XX/XX/XXXX with a {$150000.00} mortgage and ended with an unaffordable {$260000.00} mortgage. Only value that I received was a {$30000.00} construction loan, payoff of {$5700.00} car loan and a payoff of {$2900.00} credit card. Total Value Received plus original mortgage = {$190000.00}.
As I go thru paperwork today, I am still struggling to find out how it got up to {$260000.00}.
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| 06/10/2022 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
Older American |
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My mother died on XX/XX/XXXX with XXXX XXXX of XXXX. She was buried on XX/XX/XXXX. After going through her papers. I found the house was in Reverse Mortgage with XXXX who gave a first Covid-19 6 months extension in XX/XX/XXXX. I was quoted by all three mortgage companies of the Covid-19 extension available to me. ( two 6 months, one ( 1 ) 3 months. The loan was sold to Reverse Mortgage Solutions XX/XX/XXXX. While under the Covid extension Foreclosure procedures were started in XX/XX/XXXX on the property. When asked why I was told it was the normal procedure & I needed not to worry I was protected on the extension, But yet they proceeded with foreclosure procedure. I feel I was not protected under the extension. I was sold to PHH Mortgage Company. I requesting second six months extension. I was quoted I had three more months if I needed it. I asked for the three months with the six months and was told to wait until I received the letter of administrationXXXX XXXX, XXXX I called PHH informing received the letter of administration and requested the 3 month Covid-19 extension. I have corresponded diligent with all three companies & have a detail time log to stay inline with document deadlines and request. Calling weekly to check on my request, each time I was told its under review. On XX/XX/XXXX the end of my extension I was told that I was denied the three months extension. I began to meet with a supervisor XXXX every Thursday to discuss what our options were to buy the house. I met all the requirements of PHH stated for postponement of XX/XX/XXXX auction sale date. 1.Pre approval Leander letter for the over full amount of PHH Heir payoff quote. 2. Realtor purchase Contract which PHH later started was no longer needed. 3. All signed heir Documents in order to purchase the property. Final updated documents sent in XX/XX/XXXX for for sale date postponement giving us time to buy the property. My mother was caring for my XXXX sister. I had to relocated from XXXX XXXX XXXX XXXX for XXXX years on a semester leave of absence to come and take care my mother. Since my mother has passed away I am now the caretaker of my sister. I am her payee and her in-home support servicer I took over my mothers care of my sister. I later had to take early retirement from my XXXX job in XXXX to stay and care for my sister. Her doctors recommendation was not to move her from her living arrangements. I have followed every guideline to be able to purchase the house to keep her in her environment. After doing everything PHH requested for postponement time allowing me time to go through the procedure to buy the property. When calling PHH mortgage to check the postponement on XX/XX/XXXX. I was informed that I was denied postponement in order for me to buy the property. The PHH mortgage rep informed me to get a lawyer for a restraining order on the house a restraining order on the house. You can imagine my devastation. I feel like have been misled lead. I was not even giving opportunity to do an appeal I feel that PHH mortgage company is not allowing me my right to buy my parents property that has been in the family since the early XXXX. I feel between the three companies they have been confusing and contradicting in their information to me. I have work in good faith and listening and follow their demands and guidelines. When asked today again for an appeal. I was told it needed to be requested in writing and it was a 30 day turnaround which is not the time that I have.
I feel that PHH mortgage has not been fair with in the heirs to purchase to keep our family home. I feel they took illegal actions on the families rights to buy the property while under a Covid extension of protection. Why would a lender deny funds to pay off the property.
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| 04/24/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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Immediately after receiving OCWEN 's HAFA short sale denial letter, I called OCWEN and spoke with XXXX ( Agent ID XXXX ) to determine why my HAFA short sale application was denied. I am also awaiting a phone call from OCWEN 's HAFA short sale customer relations specialist, XXXX XXXX XXXX. I tried numerous times to get either a phone number or an email for XXXX XXXX so I could better explain this situation, but I was told that the " system '' was down and she ( XXXX ) could not help me. She explained to me that the application was denied because I am current on my payments. This is true ; however, as the below details, we will soon enter foreclosure. In addition, this logic is severely flawed as the primary mortgage holder has already approved the HAFA short sale and if OCWEN does not approve the HAFA short sale, then the house will enter foreclosure and OCWEN will get nothing. OCWEN holds the second mortgage on this townhouse. The first mortgage is held by XXXX XXXX XXXX. The remaining principal with XXXX XXXX XXXX is {$380000.00}. The remaining principal with OCWEN is {$62000.00}. Therefore, the total outstanding principal owed on the townhouse is {$440000.00} - of which, XXXX XXXX XXXX holds 86 % of the balance XXXX {$380000.00} XXXX and OCWEN holds 14 % of the balance XXXX {$62000.00} XXXX.
As shown in the attached, the primary mortgage holder ( XXXX XXXX XXXX ) has already approved the XXXX short Sale. Further, we have already received an offer on the house.
In XXXX of 2015, the interest only period on the XXXX XXXX XXXX mortgage will expire ( at the 10 year mark ) and the remaining principal of {$380000.00} will amortize over 20 years at a current rate of 3 % ( rate is variable and will fluctuate every six months ). My current XXXX XXXX XXXX mortgage payment is {$1300.00} per month ( includes insurance and taxes ). When the interest only period expires, my monthly payment will increase by {$1300.00} per month to {$2600.00} per month ( includes insurance and taxes ). When the XXXX mortgage adjusts, I will no longer be able to afford my monthly payments. At this point, my mortgage to gross income ratio will increase to 34 %. We also have excessive debt and monthly payments to care for our XXXX son. At this point, we will enter foreclosure as we will not be able to make our payments. I have explored all possible options. I do not qualify for any other Making Home Affordable ( MHA ) mortgage program, other than HAFA, because neither loan on the townhouse is owned by Freddie Mac or Fannie Mae. Further, the outstanding balance owed on the house XXXX total of {$440000.00} XXXX exceeds the fair market value ( appraised in XXXX of 2015 for {$410000.00} XXXX. Therefore, the loan to home value ratio exceeds 100 %. We have XXXX options ; a HAFA short sale or foreclosure.We have owned this townhouse for 10 years. We have never missed a payment. After 10 years, we still owe more on the townhouse than it is worth. A HAFA short sale is our only option. The XXXX lender, XXXX XXXX XXXX, has approved the HAFA short sale. We have an offer. If OCWEN does not approve this HAFA short sale request, my only recourse is foreclosure. At that point, OCWEN and it 's investor will receive nothing. If OCWEN approved the HAFA short sale, OCWEN will receive {$12000.00} ( minimum ) in proceeds from the XXXX mortgage holder. I do not understand how the XXXX can approve the HAFA short sale and the XXXX mortgage holder can be so unresponsive and unable to discuss this situation. OCWEN does not listen to the details or the circumstances and their agents simply have no competence to have a meaningful discussion. No one at OCWEN has a direct phone line, they seem shrouded in secrecy. I am convinced that OCWEN wants to see my home foreclose.
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| 06/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Please be aware that I filed a similar report with the XXXX Department of Consumer Affairs, my contact person is : XXXX XXXX State of XXXX-Department of Financial InstitutionsXXXX XXXX My complaint is as follows My wife and I filed Chapter XXXX bankruptcy in XXXX of XXXX which included back mortgage payments due Property Mortgage Services. In XXXX of XXXX we relocated to XXXX and left the house in charge of our daughter who was supposed to make and keep the mortgage current ; however, she came upon hard times and fell behind. In XXXX of XXXX my daughter was informed by a processor that she would have to vacate the premises or be sat out on the street. Soon after that we received a court document informing us that we had 60 days to appear in court to try and save our property from foreclosure. I had a fairly good job at that time in XXXX and had no intentions of returning to XXXX so I ignored the summons and figured that they would just take the house. Because of extreme XXXX I had to return to XXXX and moved in with family never bothering or having any concern pertaining to the house because in our mind we did not own it. In fact, at that time the house had been boarded up by the city. In XXXX we relocated to XXXX and moved with family and as usual whenever we moved we filed change of address with the Postal service so we could always receive our mail. In XXXX we were still living in XXXX and we received a letter from XXXX city or county informing us that we still owned the property and that the county had a tax lien on the property. We immediately contacted the County and made arrangements to pay XXXX dollars a month in order to keep the house from going back into foreclosure. Also in XXXX we received a one-time payment from Litton Loan Services stating they were paying part of a civil suit, this confused me because we had never signed on with this company in the past and had no knowledge of them. In the XX/XX/XXXX we started cleaning out the property and getting ready to renovate, the house had very bad XXXX infection and had to be completely gutted top to bottom. All walls, ceilings, doors baseboards, etc., had to be removed and thrown away and the remaining structure had to be scrubbed from the basement to the roof. All eletical had to be redone as well as a new roof put on plus instillation. In XXXX my wife and a friend started putting up drywall, I could not help much because of my age ( XXXX ) and illness. Finally, in XXXX of this year we moved in although the house is far from being completed. We live on about XXXX dollars a month and were paying a {$1000.00} rent per-month in XXXX so we just decided to move in no matter what the conditions. Soon after moving in we received a letter from Ocwen Loan Servicing , LLC stating that they had acquired the loan in XXXX XXXX, XXXX and wanted payment in full or else the property. I told them that if I indeed owed them I was willing to resume payments on the mortgage ; however, I question why they never sold the property in the last 5 years that they had it. I also asked that they modify the loan to a fixed mortgage because of my finical situation but to no avail. As I stated from the top the state has intervened but they have no power. Ocwen continues to try and confuse me by insisting and threating me from some of their agents while at the same time offering to talk about different alternatives but when I engage conversation with them it always end up with them saying payment in full or property. If indeed we owe these people we are willing to make arrangement to make monthly mortgage payment ; however, I feel they never they never contacted us in five years for payment and they can not say we received their mail because we receive everyone else 's commun
|
| 04/14/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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RIGHT OF RESCISSION 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Code Part A - General Provisions 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
15 U.S. Code Part B - Credit Transactions 15 U.S. Code 1635 - Right of rescission as to certain transactions ( f ) Time limit for exercise of right An obligor 's right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor, except that if ( 1 ) any agency empowered to enforce the provisions of this subchapter institutes a proceeding to enforce the provisions of this section within three years after the date of consummation of the transaction, ( 2 ) such agency finds a violation of this section, and ( 3 ) the obligor 's right to rescind is based in whole or in part on any matter involved in such proceeding, then the obligor 's right of rescission shall expire three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later.
( g ) Additional relief In any action in which it is determined that a creditor has violated this section, in addition to rescission the court may award relief under section 1640 of this title for violations of this subchapter not relating to the right to rescind.
15 U.S. Code 1639c - Minimum standards for residential mortgage loans ( e ) Arbitration ( 3 ) No waiver of statutory cause of action No provision of any residential mortgage loan or of any extension of credit under an open end consumer credit plan secured by the principal dwelling of the consumer, and no other agreement between the consumer and the creditor relating to the residential mortgage loan or extension of credit referred to in paragraph ( 1 ), shall be applied or interpreted so as to bar a consumer from bringing an action in an appropriate district court of the United States, or any other court of competent jurisdiction, pursuant to section 1640 of this title or any other provision of law, for damages or other relief in connection with any alleged violation of this section, any other provision of this subchapter, or any other Federal law.
15 U.S. Code 1640 - Civil liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( k ) Defense to foreclosure ( 1 ) ( 2 ) ( A )
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| 07/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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I am sending this complaint update in because I was originally told that Ocwen was going to work with us to save our home after we complained to your organization, the PA Attorney General 's Office and Congressman XXXX XXXX. My original complaint included that we were asked to waive our rights in a federally sanctioned program- something that was not allowed in the Ocwen National Mortgage Settlement. Apparently the CFPB did inform Ocwen/XXXX legal counsel and the waiving of our rights was illegal and they were removed from the agreement so thank you for enforcing those XXXX guidelines. The problem is that for over a year I tried to get Ocwen/XXXX to drop the foreclosure suit against us so that we could work directly with the Making Home Affordable Escalations Team and get our questions clarified so that we understood exactly what we were signing. The HAMP language had been altered and left questions about the numbers. We signed the HAMP agreement and had it notarized. We also requested valid clarifications and an amortization schedule of our loan. We continued paying our HAMP payments- I scheduled my total hip reconstruction that I had put off for four years because I did not want to go under anesthesia until I knew that we had a legal loan modification. The day of my XXXX- my husband share with me the letter that we had been denied the HAMP modification- even while we were current with our HAMP payments. Two weeks later our XXXX year old daughter died in a tragic accident. Ocwen could care less about XXXX that AHM, AHMSI, XXXX and Homeward Residential has put us through the last 7 years. We are the poster children of the Ocwen National Mortgage Settlement and the abuse is continuing. The Monitoring of the National Mortgage Settlement knows that these problems are continuing and someone needs to stand up and make it stop. None of our questions were clarified and based on Ocwen/XXXX lack of cooperation- our valid concerns that Ocwen has no intention of helping us and that they want to take our home away no matter what we do.We have been forced now to use our HAMP mortgage payments to pay new legal fees. We desperately want our to save our home and my physical and mental health has continued to deteriorate from the abuse. Ocwen/XXXX both know that we lost everything in a bankruptcy XX/XX/XXXX and then lost our XXXX year old daughter. Just a few weeks ago during the time that our daughter should have been graduating high school and turning XXXX years old- Ocwen/XXXX deposed my husband and myself. My deposition was for an entire day. During that deposition it was obvious that XXXX XXXX had no intention of addressing the modification. I was questioned almost all day only about the original mortgage XX/XX/XXXX- something we never denied signing. We still believe that we are investors in our own loan and we want to settle it with a modification that follows the Ocwen National Mortgage Settlement and the new CFPB guidelines. We should have never been asked to waive our federal rights or been forced to hire legal council. During the deposition I was made to feel stupid, incompetent and worthless because we signed a contract that we were told we qualified for not knowing our tax returns were not reviewed by the underwriters. The federal government now says that these types of predatory and deceptive loans are illegal. We have been recently by told by Ocwen 's counsel that we can pay the loan off now with a new and/or private loan- but the bankruptcy that we were forced into- has ruined our credit and we can not get a new loan. The only thing the bankruptcy did not harm was my husbands 401k- Now we have been forced into using the only savings the bankruptcy could not take from us to save our home from foreclosure
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| 12/17/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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In XXXX XXXX, we started getting behind on our mortgage payment due to a change in job status. We contacted Ocwen via mail to let them know we would be getting caught up as soon as possible. We also contacted them via phone. In XXXX, my husband contacted them by phone to discuss how to make the payments to bring the loan up to date because they were n't cashing the checks we had mailed to get everything caught up. Ocwen instructed us to make a payment of XXXX through XXXX as they would not accept regular checks until our account was current. However, when we logged into XXXX, XXXX only allows for XXXX per day to be sent. As a result, we sent XXXX through XXXX and mailed a money order of XXXX to Ocwen. The XXXX payment cleared our checking account and XXXX showed the payment as received by Ocwen. As far as we knew, our mortgage was caught up and we did n't need to make payments again until XXXX. Since it was believed to be caught up, we mailed a regular check payment into Ocwen for XXXX.
On XXXX XXXX, we received a delinquency notice from Ocwen stating that we should pay XXXX in order to bring our loan " current ''. It had one sentence in the notice that said the first filing of foreclosure had been completed. After receiving the notice, I sat down and went through our checking account to find where the payment sent by XXXX had cleared our account as well as any other check payments made to Ocwen in XXXX. Believing there was a mistake in posting the payments to our account, I contacted Ocwen within 3 business days of receiving the delinquency notice to discuss getting the payments posted to our account. After spending most of the day on the phone being bounced around, I was told there was no mistake and Ocwen had declined our payments because the payments were n't sent in a single payment through XXXX. Keep in mind, they instructed us to use XXXX and we have no control over the daily send limit, we simply mailed the remainder of XXXX to Ocwen via money order. While I was on the phone, I told Ocwen that we had the money in our account to pay in full and get everything taken care of. After several hours, I got an attorney 's name out of Ocwen and contacted the attorney to get things straightened out. The attorney representing Ocwen told me that the house went to auction the day before and went back to Ocwen. When I called the listing agent Ocwen said had the house listed, they told me there was no listing or pending listing for the house. BOTH the lawyer and the listing agent instructed me to contact Ocwen to get things straightened out, which I did, but Ocwen would not take payment in full or work things out. They told me it was too late.
The only " notice '' of foreclosure that we received was one sentence in a delinquency notice that came in the mail less than 5 days before our house went to auction. No legal documentation or certified mail was delivered either to our current address or the address of the property on this loan. We 've had this loan for years and never been behind before. My husband is a XXXX Vet who has taken a job XXXX in order to get our loans caught up and get us back on track. However, Ocwen has done everything they can to reject payments and be misleading even though they knew we wanted to keep the house. They 've even went as far as to say they have n't received documents that we expressed mailed/ delivery confirmation on.
We also have another mortgage through XXXX on a separate property. We got behind on that loan as well. However, the difference was that XXXX was clear in communicating and offered repayment options, open communication, and willingness to help us get our loan current. IT IS NOW CURRENT. Our loan with Ocwen would be as well if they had communicated with us.
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| 07/02/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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The loan was an 80/20 loan used to purchase the property XXXX with the same company, Option One Mortgage, sold to AHMS, sold to Homeward Residential, acquired by OCWEN.
The Original Date of First Delinquency on the loans for the property was in XXXX XXXX.
The property was later foreclosed upon, of the date of that I am unsureCountless times of requesting modifications with the servicer of the loan beginning in XXXX, we were refused at the initial point of contact with a customer representative every time. We were never allowed to speak with management for review or consideration or recommended to fill out an application to submit a request. We encountered such things as " You must live in your house for at least five years for us to even consider a modification '' " You owe too much on the balance to even be considered for a modification '' or " We do n't really do that for people '' " Im sorry but there is nothing that we can do for you. " In XXXX after we fell way behind, Homeward Residential began foreclosure process on the property. My husband received a sum of money from an inheritance and he offered a sum to bring the delinquent balance current and do a modification. Homeward Residential agreed to temporarily suspend the foreclosure and do a modification. While in the modification process, they directed us to stop paying on the smaller 20 % portion of the mortgage and just bring the 80 % portion of the mortgage current. There was no forgiveness of any debt. They reduced the interest rate very little. The payments were barely reduced. At the end of the process, as a complete surprise, they tacked all of that delinquent mortgage that they told us not to pay, onto the loan, extending the debt even further.
we requested if there was any way to rework another modification, and they refused and we had to eventually let them foreclose on the property.
I do not have details of the foreclosure, and our understanding of the process was very limited. But I do know that there is no public court judgment against for a deficiency balance after the foreclosure was complete.
A balance of {$31000.00} is on our credit reports being serviced by XXXX XXXX XXXX Debt collectors for Homeward Residential ( a subsidiary of Ocwen ). The trade line reports as a current mortgage due with a past due balance and has been reporting late every month for the last XXXX years, since first defaulting in XXXX.
In XXXX We received small payments as part of the agreement for the XXXX settlement with Ocwen who owns Homeward Residential whom was servicer of our loans.
After being informed we would be included in the National Mortgage Settlement with Ocwen, I wrote to the Credit and requested that the foreclosure status listing from Homeward Residential be removed and delinquent balances be removed from the reports. The foreclosure listings were removed, but the balance of {$31000.00} listed with XXXX XXXX XXXX ( who is servicing the collecting of the debt on behalf of Homeward Residential XXXX remained and the credit bureaus would not remove the listing.
I have recently been trying to negotiate with XXXX XXXX XXXX to settle the balance, even though I do not believe we owe this debt after the abusive practices suffered from the servicer before and during the foreclosure. XXXX XXXX has informed me that they do not own the debt but that Homeward Residential owns the debt and they are servicing it on their behalf and are only the collectors. XXXX XXXX agent XXXX who is assigned to our case, has given me counter offers but told me they can not remove the trade line and or remove the late payment postings with no real explanation as to why, and I believe they are trying to strong arm us into just paying with no real benefit to us.
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| 02/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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|
Web |
Older American |
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The following is an appeal letter to Ocwen Loan Servicing regarding denial of a loan modification they offered to me. The appeal reviews the issues culminating in my complaint, though I can provide more specific documentation on request : This appeal is in regard to a requested loan modification offered to me by Ocwen Loan Servicing, who currently services a mortgage of mine, and which I initiated on XX/XX/XXXX, and faxed Ocwen all of the requested paperwork and verification on XX/XX/XXXX. After many delays and miscommunication on the part of Ocwen, which resulted in their requests for updated information that I had already provided, I was informed on XX/XX/XXXX, by XXXX in a telephone conversation appointment, that I was denied for the loan modification, though he could not tell me why.
XXXX told me a denial letter explaining the details had been sent to me on XX/XX/XXXX, with the details of the decision, however, I had not yet received it. I was XXXX that I had not been informed of this decision earlier if the decision had been made over 7 days previously, however, it is typical to receive notices from Ocwen at least 8 days after the date of the notice. XXXX said he was not allowed to call me earlier about the decision without a prior appointment being set up. That is a totally unacceptable policy for a financial institution dealing with critical financial matters such as this.
Since XXXX could not answer why I was denied, because he was not provided with the documentation that related to this decision, I asked to speak to a supervisor. Eventually the supervisor, XXXX # XXXX, came on the line and said she could access the documentation. She stated that my gross income did not meet the minimum income requirements to qualify. I asked her why, and she stated that {$3100.00} was not enough. I went through the application that I sent her, and directed her to the gross monthly income report as {$8600.00} ( see page XXXX, Section XXXX, Monthly income form ). XXXX looked through my docs and verified the figure, but could not give a reason of how the underwriters arrived at the bogus, lower figure. She promised to find out the mistake, and get back to me within two days. I have not heard from her or the underwriters as promised.
I have no idea how this bogus fiqure was derived, because the documentation I sent Ocwen clearly indicates that my gross income is actually {$8600.00}. This figure is supported by the bank account statements which I provided that indicate my monthly pension income as {$3600.00}, and deposits of rental and other income totaling {$5300.00}. You have all of this information. You need to look at it and do the math correctly.
It appears to me that Ocwen is deliberately stalling and finding means of denying a loan modification to place me in a precarious financial position that will ultimately benefit XXXX by shoving me into foreclosure, a short sale, or a refinanced loan with additional refinance charges. It also appears that Ocwen is still using the tactics that had them reprimanded and fined by the XXXX Consumer Oversight Commission. I already have a documented series of events in a letter of complaint to them.
Please quit stalling and correct your figures immediately, not in 30 or 60 days, so that I can qualify as I should for a real loan modification. If I had been able to pay my previous mortgage on time and in full up to this time on my current gross income, then it is foolish for Ocwen to determine that I could not pay a lesser monthly mortgage than the current amount required. - ergo, Ocwen 's perceived plot to put me into a delinquency situation with the current monthly charge. I expect to hear from you immediately regarding an explanation and correction.
Regards,
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| 07/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
|
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I have been trying to get my mortgage company Ocwen to work with me to resolve late payments on my home loan for the last few years. This has proved next to impossible as they are constantly losing my paperwork, transferring me from one department to the next, and often assigning me to agents from a foreign country who speak little to no English. We have owned our home for 18 years and my wife and I both work full time and have the means to fix this mess but we continue to get the runaround from Ocwen. Late last year we were FINALLY approved for a trial program. We made the first two payments as agreed, but Ocwen received the third payment ONE DAY LATE. As a result, our modification was terminated and we were kicked back to the curb and back into foreclosure. We have tried repeatedly since then to fix this problem with Ocwen and to get them to conduct a new review. We have been assigned a contact person at Ocwen, but despite numerous attempts to speak with them have never been able to reach them and never gotten a call back. Our financial circumstances have changed and we deserve the chance to fix this problem. There are significant issues with this loan based on misrepresentations and improprieties at the time of origination by the agents from XXXX ( bad actor from subprime crisis ) who put us into a loan we did not understand and manipulated the application so that we would qualify. We were not aware of how quickly and how high the rate and payment would go on this adjustable loan and this ended up being a big problem for us.
When we entered into this loan the rate was low and affordable. However, in a matter of a couple of years the rate and payment began to drastically increase and this coincided with the great recession. At that time I had a used car sales lot and repair shop and was making a solid living. The recession hit my business hard and over the next two years I struggled financially until the business was eventually shut down. At that time we immediately began reaching out to our lender to try and fix this problem ( XXXX was out of business ) and began a slow and excruciating dance. Paperwork would be submitted, three, four or five times, often the exact same documents. Paperwork would get lost or misplaced or we would need to continue to supply more documents, oftentimes documents we had already supplied. We made hundreds of phone calls to the Ocwen loss mitigation department trying to lock down some type of review and get a modification offer so we could try and resolve our delinquent payments. In many instances we dealt with agents from a foreign country who were difficult to understand. Other times we would be told we had a dedicated contact who would work with us but it was impossible to get this person on the phone.
After years of fighting and going back and forth we were in a very solid place financially -- -I work as a XXXX at my XXXX XXXX XXXX and my wife works as a XXXX XXXX. Although our homes value has dropped significantly it is still our home and we want to keep it. We were very encouraged when we were offered a modification last year, and then crushed when our payment got to Ocwen one day late and our entire process was shut down. Ocwen needs to realize that this is a predatory adjustable rate loan that was originated under questionable circumstances and that if a further review was conducted of the paperwork it would indicate significant improprieties on the part of XXXX. There are major issues with this loan that is tied to our home and that makes it difficult for Ocwen and the investor to rightfully foreclose or insure title. For those reasons, as well as the fact that our financial circumstances have changed, Ocwen needs to work with us to resolve this matter.
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| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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The PHH case manager did not call me as promised this morning for our XXXX AM appointment, another representative called me. The representative informed me she was calling to go over my foreclosure. I got over 300 hundred thousand equity, why would I want to foreclose I asked her, no answer. That substitute representative did not know her job and did not know how to count months the same as others of PHH. The unskilled representative had to put me on hold to seek guidance. Unskilled persons should never be put into such positions of responsibility that so greatly affects peoples lives. The call was not to go over any foreclosure, it was to go over my forbearance plan and put all amounts at the end of the loan.
The statement about calling me to go over my foreclosure that was made today by the PHH Mortgage representative proved to me the unlawful plan to steal my home without regards to my rights under the forbearance plan.
That representative this morning formally refused my entitlement of the remaining 6 months forbearance to be placed at the end of the loan. The representative was not able to explain the XXXX and XXXX month extra forbearance. The representative also told me the first 7 months of my forbearance was placed at the end of the loan, I corrected her telling her it was the first 12 months that was placed at the end of the loan. The representative refused to explain why my remaining forbearance is not being placed at the end of the Fannie Mae loan. The representative couldnt explain why Im being required to complete a packet for housing assistance when the PHH website, Fannie Mae and the feds say I am not required to complete any such application for housing assistance. I dont want any housing assistance, all I want is all the forbearance amounts to be placed at the end of the loan.
Todays PHH representative informed me a mortgage assistance application must be completed for any requests of the forbearance amounts to be placed at the end of the loan. I asked her ; then why does the PHH website says the housing assistance application is not required to put the forbearance amounts at the end of the loan. And, why was the first 12 months already placed at the end of the loan with only a simple phone call, I didnt receive any answers.
I believe a major issue is PHH approving an extra two months forbearance because they do not know how to count months as they have demonstrated many times. The extra two months is whats causing the problem. Nobody of PHH has been able to explain its math to me.
The other major issue is XXXX elderly abuse. I was not expected to survive XXXX with my XXXX XXXX XXXX XXXX, I unexpectedly lost XXXX pounds. My speaking ability was greatly diminished, PHH knew how ill I was. Did PHH take advantage of me believing I wouldnt survive?
Again, PHH is refusing to accept my monthly mortgage payment insisting I must first pay 7 months forbearance that was due XX/XX/2022. Why 7 months? Why not 6 or 8 months?
During another phone call with a PHH representative, I was told the investors disapproved my forbearance to be placed at the end of the loan.
WHO ARE THE INVESTORS PHH representatives speak of?
Who of the investors disapproved me and why?
Under what authority was my last 6 months of the forbearance amount disapproved to be placed at the end of the loan?
Why am I being required to complete a mortgage assistance application when Im not required to complete any such application and I dont want any such assistance?
Why is PHH requiring me to now wait 30 days before I will know what you are doing with my mortgage?
Did PHH close out my forbearance plan to early and now its a problem for PHH?
All I want is what Im entitled to, why wont PHH make that happen?
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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Dear CFPB Representaive ( s ) ; First, thank you for making the platform for delivery of complaints accessible via the internet, and for making it so user-friendly.
My drama began approximately seven years ago when Ocwen Loan Servicing began servicing my home loan. Still recovering from the impact of XXXX XXXX and a direct strike from a XXXX born out of the storm, the Mortgage Crisis was beginning. Michigan XXXX, XXXX XXXX, XXXX and finally Ocwen, each, took over my home loan.
Somewhere in the process my loan was put into a 30-year fixed loan. That was the good news.
But, despite my pleas to handle my property tax and hazard premium payment myself, Ocwen demanded escrowing the funds. My town - XXXX XXXX, LA - requires property tax payments at the beginning of the year instead of year-end, like most municipalities. Despite repeated letters to Ocwen, my property taxes began accruing interest and penalties, and finally, after many years of letter writing warning Ocwen about the potential problem, I discovered Ocwen had n't even been paying my property taxes at all. And, my home and property were sold at a Tax Sale. ( attachment ) Only last month, in XX/XX/XXXX, did I finally find a change to my escrow account on Ocwen 's webpage. The glaring and abrupt increase in my escrow account and the increase in my monthly mortgage payment were tell-tale signs something had changed for the worse.
And, to make matters worse, my home suffered a total loss from a fire on XX/XX/XXXX. A plug-in fragrance and night light device was the cause.
But, already losing my home and most of my possessions to this fire, I was forced to continue arguing with Ocwen Loan Servicing about the Delinquent Tax Bills they had not paid, but they had escrowed my payments for over the years. In other words, they took my payments for XXXX XXXX, but Ocwen did n't pay the taxes.
Then, the last straw was laid upon my already stressed existence. Ocwen withheld proceeds from my Hazard Premium for over thirty days from receipt of my funds. Ocwen played game after game slowing the release of even one dollar to help me rebuild my home. Had it not been for an XXXX, we would have suffered nearly 90-days with nothing. Still today, I have to argue constantly with Ocwen to release funds for reconstruction. And with 92 % of the work complete, only 66 % of the funds have been released. Today is XX/XX/XXXX. The XXXX was XX/XX/XXXX. Nearly seven months and still Ocwen withholds funds. About three weeks ago, Ocwen Loss Department called me to inquire about my percentage of completion of construction from the fire. We agreed they should send an inspector right away. The inspector showed up last week, but she forgot to bring the paperwork. Three days later she emailed me requesting I print he email, sign the form, scan the document and email it back. Perhaps, not having experienced a total loss from fire, she did n't realize fires do n't leave one 's computers and printers functional.
Looking at the number of documents Ocwen required before release of XXXX penny of the Insurance proceeds, some docs requiring notorization then discarded by Ocwen as unimportant, one ca n't imagine the burdeon placed on victims by their mortgage companies. But, I 've never heard of a mortgage company being as heartless as Ocwen. I know the documents were useless because despite everything I returned, Ocwen asked for other documents which were n't even in the original packet of docs that needed to be completed. Ocwen just wanted to hold the funds, Recently, it was newsworthy that Ocwen 's CEO stepped down from his lofty perch. I used to think my problems with Ocwen were somewhat unique, but once the news broke I learned that Ocwen had been hurting many, many others. More
|
| 10/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
|
COMPLAINT XXXX. ROBOSIGNING. My problem is OCWEN. They have a foreclosure scheduled for Tuesday, XXXX XXXX, XXXX which I wish cancelled because I have an outstanding offer of settlement to OCWEN with no response re in over 90 days, and the title is clouded with a XXXX ( Exhibit A ) filed during litigation, and because of prior discussed Pretender Lender, American Mortgage Exchange XXXX XXXX XXXX " XXXX '' XXXX who set up the loan closing illegally but was not a registered corporation nor a licensed Lender XXXX. There are XXXX assignments which cloud the title bec of robosigning, including XXXX, XXXX, XXXX, XXXX, & XXXX, XXXX. Since the original purpose of the XXXX was to stop robosigning, and CFPB has responsibility to enforce the XXXX, I will show that robosigning and fraud is at work at OCWEN despite prohibitions.
The first assignment was recorded XXXX XXXX, XXXX by attorney XXXX XXXX signing for XXXX as nominee for AME listed as " lender. '' ( Exhibit B ) .It was not the lender because it was unqualified and unauthorized to operate as a corporation or licensed lender. This assignment is VOID since XXXX had no security interest to transfer. In a normal case there would be nothing wrong with the form and substance of this assignment. It was executed by attorney XXXX and there is no robosigning. ( Exhibit B ). The first page of Ex B is the assignment on my property from XXXX to the trust, XXXX XXXX XXXX ( " Trust '' ). The rest are other assignments by the same firm where witnesses and signatures are consistent and the notary and corporate stamp are affixed.
The second assignment ( Exhibit C ), was filed XXXX XXXX, XXXX from XXXX for XXXX. The signatories are suspicious and several of these individuals are robosigners with their activities identified. This doc is from XXXX to the Trust, signed by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX are listed as robosigners on lists circulated to attorneys and parties. The signature of XXXX XXXX raises serious questions of authenticity. XXXX XXXX is listed on the XXXX XXXX XXXX Approved ( recognized ) Robo-signer List. XXXX XXXX, an expert on this fraud for years has her list used by numerous XXXX property clerks around the country who will not accept documents from people on this list absent verification. See Exhibit F for lists of robosigners ).
Exhibit D is an assignment re my XXXX mortgage dated XXXX XXXX, XXXX. It is not involved in this case but is useful for comparison. My assignment created by XXXX robosigning factory in XXXX, XXXX has robosigners XXXX XXXX, ( signature stamp ) that could be used by anyone, XXXX XXXX who signs for XXXX to another Trust, XXXX XXXX XXXX XXXX XXXX, and signature varies wildly in assignments, XXXX whose signature varies. Viewing these same signatures in the other assignments shows XXXX is a stamp, XXXX is a mass of differing circles, and some of notary XXXX XXXX signatures vary. XXXX is the primarily cited robosigner.
Exhibit XXXX is the third assignment in my case and each of the XXXX signatures is a robosigner. This doc was prepared for OCWEN and filed XXXX XXXX, XXXX, well after OCWEN had signed many consent orders not to allow robosigning. The XXXX robosigners here are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX 's signature is the most fraudulently signed as here and in the other assignments for OCWEN. The last assignment example, XXXX, shows the absurdity of uncontrolled robosigning for OCWEN.
Exhibit F identifies the robosigners discussed in my assignments from the XXXX list & other lists. Some are ranked depending on what has been reported by litigants through affidavits, depositions, recognition & prevalence.
OCWEN persists in condoning robosigning which is fraud.
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| 09/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
From : XXXX, XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX Subject : PHH Mortgage Corporation Good Afternoon XXXX XXXX XXXX I hope all is well. Thank you for forwarding PHH Mortgage Corporations response to my inquiry/complaint. I submit to you and will be submitting to Consumer Financial Protection Bureau as well, that I select to continue my challenge as it pertains to the Private Mortgage Insurance Premium that I continue to be assessed.
The Application that PHH produced clearly states that when the Mortgage was refinanced in XXXX it was based on a Market Value of {$200000.00}. At no time, from purchase ( in XXXX ) to refinance ( XXXX ) has the value of our property been at or near an Appraised Value of {$150000.00}? that they have indicated in their correspondence of XX/XX/XXXX. In fact, the neither of the transactions could have occurred if the market value had been even in the vicinity of the numbers that are being asserted ( $ XXXX {$150000.00} ( Original Appraisal ) =94.05 % LTV? ) The Original Appraised value of the home in XXXX was {$210000.00}.
I assert again that PHH is well aware that the value of our home has far exceeded {$150000.00} since assuming ownership ( i.e. value of {$150000.00} is not relevant or accurate as it pertains to this conversation ).
I have attached samples of solicitation that PHH has sent to us to Refinance, Home Equity Loans and Reverse Mortgage Option ( i.e. I have attached some of these solicitations ) which indicate their awareness of Equity in our property and a value that far exceeds value mentioned in their correspondence.
I assert that submitting {$150000.00} as a value that would have been and is completely erroneous in seeking to substantiate the reason PMI has continued.
I assert that all parties ( i.e. PHH and myself ) are aware of the guidelines under which PMI is to be ceased and the correspondence that has been forwarded to substantiate the reason that removal of PMI was denied, even at this juncture, indicates an intent to misrepresent the facts as to why PMI should have been removed even before I sent my correspondence or a lack of knowledge of the guidelines ; neither of which I find acceptable.
I am requesting an additional investigation into this matter be expedited. I appreciate your assistance and response.
Sincerely, From : XXXX, XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : RE : PHH Mortgage Corporation XXXX XXXX, Attached is the response we received from the referenced institution regarding your complaint, along with our letter closing the file.
Thank you for contacting the Pennsylvania Department of Banking and Securities. We hope you find this information helpful.
XXXX XXXX Consumer Services Specialist PA Department of Banking and Securities | Consumer Services Office XXXX XXXX XXXX XXXX, Suite XXXX | XXXX PA XXXX Phone XXXX | Fax XXXX dobs.pa.gov | XXXX | XXXX | XXXX From : XXXX, XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : PHH Mortgage XXXX XXXX XXXX, Attached is the letter we sent to the referenced institution regarding your complaint.
I will be your contact for your complaint ; my contact information is below. You will receive a formal response to your complaint after I receive an answer from the institution, but if you have any questions or concerns in the meantime, please let me know. We have asked that they respond on or before XX/XX/XXXX.
Thank you for contacting the Pennsylvania Department of Banking and Securities.
XXXX XXXX Consumer Services Specialist PA Department of Banking and Securities XXXX Consumer Services Office XXXX XXXX XXXX XXXX, XXXX Floor | Hbg PA XXXX Phone XXXX | Fax XXXX dobs.pa.gov | XXXX | XXXX | XXXX
|
| 11/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In my original complaint on this account, OCWEN waved {$110.00} of the {$140.00} fees that I challenged as illegal. But OCWEN refused to remove the remaining {$25.00} on the basis that a check was stopped and returned unpaid. Please see the letter from OCWEN dated XXXX XXXX, XXXX, marked as EXHIBIT 1, and OCWEN 's attachment to the letter marked as EXHIBIT 2.
The problem is that OCWEN mislead CFPB investigators with its assertions on the remaining {$25.00} fees by submitting selective and incomplete documents to CFPB in contravention of OCWEN 's pledge in the XXXX National Mortgage Settlement agreement between several federal agencies and state attorneys general to be forthright with consumers and government oversight agencies.
First, OCWEN failed to inform CFPB that it had in its possession, a letter ( EXHIBIT 3 ) from my husband - my designated agent, because I had to attend to my mother who was on hospice care, informing OCWEN that check # XXXX ( EXHIBIT 4 ) was declared lost by post office and that a replacement cashier 's check # XXXX was enclosed with the letter. The letter which was XXXX ( EXHIBIT 5 ), additionally informed OCWEN to return the lost check to me if subsequently found by post office and delivered.
Check # XXXX, as designated on its memo section was for the XXXX and last installment to be made to qualify for modification ( EXHIBIT 6 A ). The priority mail bearing Check # XXXX was scheduled to be delivered on XXXX/XXXX/XXXX but for unexplained reason was recycled within XXXX XXXX, FL XXXX facility for many days ( EXHIBIT 6B ). My local postmaster was unable to trace the letter, prompting him to provide a printout with a hand written remark on the last scan ( EXHIBIT 7A ) and advising that the mail might have been lost and that a replacement check be sent given the importance and urgency of the matter involved, hence the remittance of the cashier 's check # XXXX.
Miraculously, the 2-day priority mail bearing check # XXXX arrived in XXXX XXXX on XXXX/XXXX/XXXX but subsequently delivered in XXXX XXXX on XXXX/XXXX/XXXX almost 20 days later ( EXHIBITS : 6B and 7B ).
But this was 10 days after my XXXX replacement cashier 's check was received by OCWEN. Fortunately, the replacement check assured my compliance with the XXXX payment of the XXXX trial payments. However, when OCWEN received check # XXXX, OCWEN deliberately failed to return it to me as instructed, and instead recorded it as Forbearance payment # XXXX contrary to modification agreement. Please see Exhibit 6A above. And when I challenged OCWEN, the company contradicted its record by falsely claiming that it was applied to XXXX XXXX payment ( EXHIBIT 1 ) to justify their illegal fee of {$35.00} ( EXHIBIT 8 ).
Second, OCWEN failed to provide to CFPB the complete record showing its transactional recordings. The company submitted to CFPB a document marked as ( EXHIBIT 2 ) instead of a complete document marked as ( EXHIBIT 9A & 9B ) showing that OCWEN recorded check # XXXX as the XXXX forbearance payment. This omission was simply to mislead CFPB into believing that the company earned the {$25.00} fee.
The veracity of OCWEN 's statements and responses are also challenged by its other documentation. In OCWEN 's letter dated XXXX XXXX, XXXX ( EXHIBIT 1 ) and submitted to CFPB, OCWEN claimed that the return check fee was {$25.00} contrary to {$35.00} recorded on EXHIBIT 8.
Furthermore, OCWEN 's asserted in EXHIBIT 1 paragraph XXXX that " Records indicate that on XXXX XXXX, XXXX, a payment was received in the amount of {$2300.00}, which satisfied the XXXX XXXX, XXXX payment. But OCWEN 's record, EXHIBIT 9B, withheld from CFPB by OCWEN, shows an accounting entry for check # XXXX as having been received on XXXX/XXXX/XXXX.
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| 11/27/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Settlement process and costs
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Web |
Older American |
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I attempted a modification of my loan on the property located at XXXX XXXX XXXX, in XXXX Oregon with OCWEN. The almost $ 3200-monthly mortgageXXXXXXXX modification request was denied after several attempts since XXXX.
I continued paying with the hope that a modification would be a certain remedy. In XXXX, I received a phone call with documents ( attached ) that I 'm eligible for a streamline modification. Good News, right? After fulfilling the first two months of payments, OCWEN created another document with balloon payment for approximately {$230000.00} ( attached ). It reads : THIS IS A BALOON MORTGAGE AND THE FINAL PRINCIPAL PAYMENT OR THE PRINCIPAL BALANCE DUE UPON MATURITY IS {$230.00}, XXXX, TOGETHER WITH ACCRUED INTEREST, IF ANY, AN ALLL ADVANCEMENTS MADE BY THE MORTGAGEE UNDER THE TERMS OF THIS MORTGAGE ... THIS WRITTEN LOAN AGREEEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND XXXX NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.
I had a recent conversation with an Ocwen Loan Modification Officer regarding the above language and whether I need to submit the final XXXX documents before the scheduled meeting for XXXX XXXX. He indicated that the documents were formality and that the due date was generated based on time it was mailed out. The due date is before our meeting with XXXX for XXXX/XXXX/XXXX. Ocwen did n't initially share the balloon information or the increasing escrow payments. The new 'balloon ' modification suggests that after interest is calculated, I will have paid more in interest and no principal reduction for an underwater property over the ( shortened ) 20 year term.
The recent settlement agreement reached by the Consumer Financial Protection Bureau against Ocwen Financial Corporation show that they have engaged in " significant and systemic '' misconduct in the mortgage servicing process. Under the terms of the agreement, Ocwen must provide {$2.00} XXXX in principal reduction to underwater borrowers. Ocwen must also refund {$120.00} XXXX to the nearly XXXX borrowers serviced by Ocwen or its subsidiaries whose homes have already been foreclosed. Finally, Ocwen will be subject to greater regulatory scrutiny going forward.
In light of their continued fraudulent actions, it does not appear that OCWEN faces any scrutiny. After fours years of attempting to modifying our loan, we were approved for a modification back in XXXX and it was supposed to drop interest rate down to 3.6 % after I made their 3 trial payments - two trial payments successfully until receiving new loan document relating to a balloon payment.
In addition, we owe the " balloon payment '' even if we sell the property. So the house is n't even worth $ XXXX, the balloon payment amount + the current mortgage of $ 360XXXX plus amount already paid for the last 10 years. And yes, we owe this " balloon '' on sale or refinance or end of term, whatever comes first. Plus, the fine print indicates that we probably have to keep this loan for 20 years or it will be void ( at their discretion, not yours ). Doubtful the mortgagee can sell without interference, so it seems to me, OCWEN has created no-option option for homeowners.
I am XXXX XXXX XXXX and have nothing except for my wife and home. OCWEN did n't initially tell me the balloon or the increasing escrow payments. OCWEN retains their right to rescind " if '' I miss a payment. However, if the interest remains, the predatory accounting continues. So it appears that after numerous federal investigation for fraud and state regulatory scheme established to help homeowners remain in their home, Ocwen continues its predatory scheme.
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| 01/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am following up on my complaint filed to you regarding Ocwen Loan Servicing. It is my understanding that regardless of any outcome, they are simply regarding the matter ''closed. '' I strongly disagree ; the matter is far from closed.
While we have been negotiating for more than six months, I believe Ocwen has failed to negotiate with me in a truthful manner.
Through mediation on XXXX XXXX, XXXX, we reached an agreement that called for a principle reduction of some {$170000.00}, for a loan of XXXX, at 2 % interest, for 40 years. Those terms were to take effect in XXXX of XXXX, after I had made XXXX trial payments of {$2500.00}. I made those XXXX payments.
However, the contract I received from Ocwen differed greatly from the agreement I was led to believe we had reached in mediation. Not only that, Ocwen had taken it upon themselves to change definitions. The contract I received called for principle deferment, with a balloon payment of some {$170000.00} at the end of the contract. That term, principle deferment, was never mentioned in any previous discussions with Ocwen and was not mentioned in our mediation session.
At our second mediation session, on XXXX XXXX, XXXX, I objected to this switch. Also, the mediator agreed that principle reduction and principle deferment are XXXX different terms and should not be used interchangeably. In fact, the mediator said she had never seen any bank or loan service company try to use them interchangeably. Principle reduction is what it mean, XXXX principle reduction, she said.
When questioned, Ocwen 's legal representative replied that principle reduction and principle deferment were XXXX and the same.
In addition, I presented a letter - dated XXXX XXXX, XXXX - from yet another Ocwen employee, an account analyst who signed his name as XXXX XXXX, stating that he would not be able to reply to my principle reduction/principle deferment complaint until XXXX XXXX, XXXX. Of course, that letter led me to believe I had until then, at least, to respond to Ocwen 's surprising offer. I asked for another month from that to consider, thinking perhaps the terms would change. Ocwen 's legal representative spoke on the phone with someone from the company, who said I had to accept or reject the offer by Friday, XXXX XXXX.
I then asked how could the deadline be XXXX XXXX, when your own employee said he could n't answer until the XXXX? I was told, again, that my deadline was the end of the week.
A third mediation session was scheduled for XXXX XXXX. I have since received another letter - dated XXXX XXXX, XXXX - from another Ocwen employee, an account analyst who signed her name XXXX XXXX, stating that she could not answer my complaint until XXXX XXXX, XXXX. I have to ask, what 's the point, if Ocwen has already ignored the work done by XXXX XXXX?
I left that XXXX XXXX meeting with the firm belief that Ocwen has never negotiated in good faith, and that, although Ocwen may well consider the matter closed, it is anything but.
I strongly believe that Ocwen has been unfair, deceitful, and abusive in its dealings with me. I believe Ocwen has violated the protections afforded to consumers as provided by Dodd-Frank. I believe that Ocwen wants to brush this aside. I believe that Ocwen anticipates that I will buckle under the pressure of the XXXX high stack of paperwork they have sent me. I will not.
I would like, with the help of your office and the office of your ombudsman, to reach the legally correct outcome to this dispute and have Ocwen honor its original offer - a principle reduction of some {$170000.00}, a loan of {$400000.00} at 2 % for 40 years, with no balloon payment and no hidden/disguised principle deferment.
Thank you for your attention to this matter.
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| 07/30/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
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PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX Subject : URGENT Notice of Error - Dual Tracking and Request for Immediate Sale Cancellation Dear PHH, I am writing to you with profound concern and urgency as an heir to my late parent 's reverse mortgaged property, which is currently serviced by PHH. This notice of error pertains to the impending foreclosure sale scheduled for Tuesday, XX/XX/2023, and the distressing dual tracking practices pursued by your institution.
Despite receiving a conditional approval for the reverse mortgage short sale, you have claimed that a final approval can not be provided within seven days or less of the current scheduled sale date. As you are aware, I have diligently adhered to the conditions of the conditional approval, which in turn enabled me to secure a buyer who has already taken significant steps towards completing the short sale transaction. This committed buyer has promptly deposited funds in escrow with the title agent, demonstrating their genuine intent and readiness to proceed with the closing.
However, to my deep concern, the foreclosure sale has not been canceled indefinitely, despite your ability under 12 CFR 1024.35 ( i ) to do so to rectify any errors and comply with the law. This has caused severe damages and injuries as a confirmed successor in interest. As a direct result of the impending foreclosure sale that has not been canceled, I am facing the inability to complete the loss mitigation short sale transaction. This puts immense strain on both my financial stability and emotional well-being.
The continuation of the foreclosure sale while the short sale process is ongoing points to concerning dual tracking practices employed by PHH. I must stress that this behavior is strictly prohibited under the applicable regulations ( 12 CFR 1024.41 ). Dual tracking during the entire loss mitigation process exacerbates the already dire situation and raises serious concerns about PHH 's compliance with the law.
The potential fallout from PHH 's actions is deeply concerning, as they may lead to significant financial liability on the part of your institution. I must emphasize that the regulations under 12 CFR 1024.35 ( i ) explicitly afford you the ability to cancel the sale indefinitely to resolve these errors and comply with the law.
I implore you, with the utmost seriousness and urgency, to immediately cancel the foreclosure sale scheduled for Tuesday, XX/XX/2023, and cease any further dual tracking activities. Failure to take immediate action will not only exacerbate the already dire situation but also highlight the severe liability PHH is facing for non-compliance with the applicable regulations under 12 CFR 1024.35 ( h ) and 12 CFR 1024.41 ( f ).
As an heir and confirmed successor in interest, I am fully aware of my private right of action under these regulations. I expect PHH to take immediate corrective measures to rectify these violations and protect my rights.
I demand a written response within the timeframe set by the regulations, confirming the indefinite cancellation of the foreclosure sale and providing clear details of the remedial actions undertaken to address these errors and cease dual tracking practices.
Please be advised that this Notice of Error serves as a formal record of the egregious dual tracking practices employed by PHH and the urgency for resolution. The potential consequences of non-compliance are severe, and I hope this letter promotes swift and decisive action from any human involved in reading it.
Time is of the essence, and I look forward to your immediate response, displaying a genuine commitment to resolve these issues promptly and responsibly.
Sincerely, XXXX XXXX ( Heir and Confirmed XXXX in Interest )
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| 03/31/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear CFPB, Here we go again. I 'm here to report that Ocwen Loan Servicing , LLC ( OCWEN ), XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Trustee ( XXXX ) continue to defy your Regulatory Authority and continue to violate my Private Rights of Action and consumer protection rights under CFPB, FDCPA, FCRA, FTC, CA XXXX-FDCPA and California Homeowners Bill of Rights. In addition, Ocwen continues to violate the Consent Order entered with CFPB.
Despite the ongoing Identity Theft Claim I filed with the Federal Trade Commission against Ocwen ( Read Below ) On XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Foreclosure Trustee for Ocwen, illegally and unlawfully recorded a Notice of Trustee Sale on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX County Recorders Office. The Trustee sale date is schedule for XXXX XXXX, XXXX.
On XXXX XXXX, XXXX I filed an Identity Theft Claim with the Federal Trade Commission against Ocwen since Ocwen has repeatedly ignored my Notice of Dispute and Demands to Verify and Validate the # XXXX Account they created without my permission, authorization and intruding through Identity Theft into my private life. There is no valid and lawful contract, no offer, no acceptance and no consideration between me and Ocwen, XXXX, Or XXXX.
As of today, XXXX XXXX, XXXX OCWEN has NOT responded to my Identity Theft Claim.
These Corporate Entities, are only corrupt Debt Collectors. Ocwen, XXXX, and XXXX do not have beneficial interest to my property. They have no legal and lawful standing to initiate a foreclosure, as all the instruments ', assignments and documents recorded on my property are fraudulent since they were obtained through identity theft in clear violation of FDCPA 1692j. I never gave them consent to use my name, social security, personal and private information.
Please review the following XXXX Exhibits ( Attached Documents ) as Proof that Ocwen, XXXX and XXXX continue with their unlawful, fraudulent and corrupt conduct and behavior.
Exhibit A- Notice of Trustee Sale recorded on my property in the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX.
Exhibit B- Notice of Default recorded on my property in the XXXX XXXX County Recorders Office on XXXX XXXX, XXXX.
Exhibit C- Identity Theft Claim filed on XXXX XXXX, XXXX against Ocwen . Ocwen has refused and ignored over the last two years and a half, to respond to my Notice of Dispute under FDCPA 1692g and Affidavit to Verify and Validate the Account # # XXXX, Beneficiary Statement under CA Civil Code XXXX.
Exhibit D- Affidavit of XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX , Trustee for XXXX XXXX. To date XXXX, has not responded to my Affidavit.
As of today, I have filed XXXX ( XXXX ) CFPB Dispute Claims against Ocwen : 1 ) XXXX Filed on XXXX/XXXX/XXXX 2 ) XXXX Filed on XXXX/XXXX/XXXX 3 ) XXXX Filed on XXXX/XXXX/XXXX XXXX ( XXXX ) CFPB Dispute Claims against XXXX : 1 ) XXXX Filed on XXXX/XXXX/XXXX 2 ) XXXX Filed on XXXX/XXXX/XXXX 3 ) XXXX Filed on XXXX/XXXX/XXXX and XXXX Dispute Claim against XXXX : 1 ) XXXX Filed on XXXX/XXXX/XXXX Your CFPB Portal and my above XXXX CFPB Disputed Claims is proof that Ocwen, XXXX and XXXX continue to violate the CFPB, FDCPA, FCRA, FTC, CA XXXX-FDCPA and California Homeowners Bill of Rights for their refusal to repeatedly ignore and refuse to respond to my disputes and demands.
Moreover, Ocwen continues to violate your CFPB Consent Order.
In your CFPB Consent Order against OCWEN Under the Settlement Term Sheet provision on Page XXXX Section XXXX FORECLOSURE AND BANKRUPTCY INFORMATION AND DOCUMENTATION ( A ) XXXX.
" Servicer shall ensure that affidavits, sworn statements, and Declarations are based on personal knowledge, which may
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| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have been discriminated against and taken advantage of and am being forced to leave my home of 18 years because of my XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX and I'm a XXXX XXXX Veteran VA rated XXXX XXXX XXXX XXXX XXXX and in XXXX I spent a lot of time in XXXX XXXX and my finances were damaged so in that same year I filed XXXX XXXX XXXX and was led to believe that a 2nd home loan included was discharged. Never heard anything for 10 years and on XX/XX/XXXX I received a letter from a law firm named XXXX and XXXX saying that my home would be foreclosed and sold on XX/XX/XXXX. I am XXXX XXXX and have some XXXX XXXX so I called my mortgage company PHH/XXXX and informed them of the letter and they said no worries, I was in good standing and my home would not be foreclosed on the XXXX. I called XXXX XXXX XXXX and told them what my mortgage company PHH/XXXX said and also explained to them in great detail my hardships from my combat injuries, my many XXXX XXXX stays and how I damaged my finances from my injuries, how I made extra payments to PHHXXXX to ensure no foreclosure and that PHH said I was in good standing and current and that no foreclosure will happen on XX/XX/XXXX and they said they would have to hear it from PHH. So I talked to my mortgage company PHH again and a different person said the same thing, that I was in good standing and there would be no foreclosure and that it was a scam. I explained that the Lawyers said they needed to hear it from them, a 3rd PHH employee once again said no, it is a scam there will be no foreclosure and that I was safe. I tried calling the lawyers back but was unable to reach them till the XXXX and they told me my house sold 5 minutes ago and there was nothing I could do about it. They told me a company called XXXXXXXX XXXX XXXX foreclosed on my 2nd mortgage loan I thought was discharged in XXXX in my XXXX XXXX XXXX 10 years ago, and I never, ever heard of XXXX XXXX XXXX till that very second. I asked the lawyer why did they let me keep thinking it was my regular mortgage company after speaking with them on the phone and explaining my situation and that I was searching for a solution and if I knew of XXXX XXXX XXXX I would have called them and worked something out. I told the lawyer I received my first letter from them XX/XX/XXXX and nowhere on the letter says XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX said I should have known and that they posted it in the paper and not their responsibility what I thought. I then called XXXX XXXX XXXX whom I just found out about and they said my home already sold to a company called XXXX and so I called them and they said they will give me some time to get a VA Loan and then give them {$110000.00} and I can have my home back, I have until XX/XX/XXXX, and then I am a Homeless Veteran. In 23 days of my first letter they take my home, I am beside myself and under extreme stress of being a Homeless Veteran and not being able to take care of my family, everyone will be scattered and they all helped me deal with my XXXX. I am having a very difficult time finding a bank to help with a VA Loan because of my damaged low credit score. I have lived here in my home for 18 years with my wife of 34 years and my XXXX XXXX XXXX XXXX XXXX ( I found a cat and turned out she was XXXX ) and so I have my cats who are my best friends and have helped me cope with my XXXX and there is no way I can abandon any of them. If I can't find help I will have no choice but to do my best living out of my car because I have to have heat for the winter. I'm pretty XXXX and really don't know what to do. I deal with a lot of XXXX XXXX XXXX XXXX XXXX in XXXX and suffer from severe XXXX and I am really scared. I hope someone can help me.
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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PHH Mortgage Services ( formerly Ocwen Loan Servicing ) and investor XXXXXXXX XXXX have denied my affordable home loan modification application a number of times. I am applying for an affordable home loan modification because of financial hardship. However, I have the monthly income to cover an affordable home loan modification.
PHH denials to my application occurred in XXXX, XXXX, XXXX, XXXX, and the most recent one in XXXX of XXXX. They assert that I do not qualify for this affordable home loan modification due to my debt-to-income ( D-to-I ) ratio.
My current D-to-I is 1 %. If I had an affordable home loan modification monthly payment and included my two existing monthly credit card payments, my D-to-I would be 33 %.
When I finish paying off my credit cards and pay only an affordable home loan modified monthly mortgage payment, my D-to-I would be 29 %.
According to published accounts, the D-to-I ratios I cite above are highly acceptable to mortgage lenders since they are smaller than 36 %.
Several weeks ago, PHH emailed me offering to explain their calculations for arriving at an unacceptable D-to-I ratio for me. I immediately responded asking PHH to send me those calculations. As of this writing, I have not received them.
My Ocwen Mortgage monthly payment in XX/XX/XXXX was {$3400.00} a month. Due to my financial hardship, I wanted to extend that affordable home loan. I made my first affordable home loan modification application in XX/XX/XXXX. The original home affordable modified loan was to terminate in XX/XX/XXXX.
However, Ocwen declined my application. I kept on applying but was continually rejected/declined. And then, Ocwen started invoicing me for a {$10000.00} a month mortgage payment, which I could not make due to my financial difficulties.
As Ive continued to apply for an affordable home loan modification and been turned down, Ocwen/PHH has continued to invoice me to the point the back payments PHH alleges a total of over {$380000.00}. This amount includes past monthly payments, penalties and escrow.
This {$380000.00} that PHH alleges I owe is ridiculous and they are only playing a game with me because they are to blame for not helping me to obtain an affordable home loan modification.
In truth, I feel I owe only for back payments of {$3400.00} per month mortgage ( see attachment ) and escrow at {$890.00} a month. Total amount I feel is back owed is : {$82000.00} for mortgage back payments and {$21000.00} for escrow for a total of {$100000.00}.
My original principal balance on my mortgage is {>= $1,000,000}.
Based on PHHs home loan modification promotions, I feel PHH can provide me an affordable home loan modification based on the existing principal balance of {>= $1,000,000} with the addition of {$100000.00} for a total principal balance of {>= $1,000,000}.
I strongly believe, and sense PHH Mortgage Servicing and Deutsche Bank are either using predatory lending practices or imposing housing/racial discrimination and have used the increased mortgage payments as a tool to intimidate me and to deny me an affordable home loan modification.
To support my allegations, please XXXX has PHH Mortgage and XXXX XXXX been accused of racial discrimination. See following links : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These instances involving XXXXXXXX XXXX, Ocwen , and PHH deal with generic XXXX discrimination and people of color. I fall into this category since XXXX Americans are people of color and definitely not white. Therefore, these published accounts add strength to my belief that PHH Mortgage and XXXX XXXX are applying either predatory lending practices or racial discrimination to discourage my request for an affordable home loan modification application.
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| 10/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX-XX/XX/XXXX we 've experienced a {$47000.00} decrease in my husband 's pay.. For months my mom was making our mortgage payment for us .I believe XX/XX/XXXX or XX/XX/XXXX is when we began to backslide and we were no longer able to make our mortgage payments. I was in constant contact with Ocwen. I went online after missing two to three mortgage payments to see if I could qualify for any assistance. I was told I could apply for a modification. So, I did. About a month went by and we found out that we were accepted and our mortgage payments were going from {$2100.00} to about {$1600.00}. I. We made every single payment on time. A few months went by and we received the packet in the mail congratulating us that our modification was now accepted. We had to fill out and mail in the paperwork accepting the new program.My husband and I both filled out what we needed and submitted it in the envelope provided. Another month or so passed and I called when I got a letter from Ocwen saying we were in default, we were no longer on the modification program and saying something about foreclosure proceedings. I called that day and was told by a customer service rep that they did not receive my paperwork in time. I said, " I mailed it out three weeks ago, how was is not received. '' She said that she was " sorry for the inconvenience '' but without the paperwork, I was in default. I mentioned many different correspondence had been sent from my home to Ocwen, how did this one very crucial item fail to make it to the mail room? I asked to have the paperwork faxed or scanned over to me and I would fill everything out and resubmit everything directly to her. She said, no. I asked if I had any recourse. Her response was " nope. ''. I asked what my options were and she said I 'd have to come up with over {$14000.00} and them my monthly payments would double and go to a whopping {$3200.00} she continued to ask me if I could afford this, I broke down and said no.She asked if I had {$14000.00}. I said no, She asked if I could afford the {$3200.00}, I said no. I could n't handle the {$2100.00} mortgage payment prior to the modification.
I was assigned a new relationship manager by the name of XXXX XXXX. On Monday XXXX, XXXX I spoke to him and the only thing XXXX was able to do was to cut down the {$14000.00} to {$9600.00} and then from XX/XX/XXXX-XX/XX/XXXX my payment would be over {$3200.00}. He asked if I could afford this and I said no. He said this was my last and final option before foreclosure. He also told me the grace period to pay the mortgage was taken away and when my XX/XX/XXXX payment comes due it will be roughly {$2200.00}. Even more than my original amount prior to the modification.
How am I supposed to come up with not only the down payment but five months of doubled mortgage payments and then they take away my grace period? By my last mortgage payment, on XX/XX/XXXX, we will have had to come up with {$26000.00}. I can not believe this is happening. I want to have the opportunity to save my family from eviction and my home. We have nowhere to go, and I feel as if no one is giving me the opportunity to rectify an easy fix. Let me submit my paperwork. I never defaulted on any of my payments. I did was I was told and constantly followed up. My family and I should not be threatened with foreclosure due to the negligence of the USPS or Ocwens handling of the mail. I went online to the Consumer Affairs web site and there are were over XXXX consumer complaints. And since XX/XX/XXXX, XXXX complaints have been filed with the Consumer Financial Protection Bureau. So, obviously my complaint and lack of resolution is typical. And they also have been the subject of XXXX class action lawsuits.
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| 08/29/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have been trying to resolve the issue, I spoke with XXXX on XX/XX/XXXX, XXXX with then Ocwen Mortgage Company and now PHH Mortgage Company . I have been constantly lied to and deceived by Ocwen Mortgage Company and PHH Mortgage Company. I inquired about a Loan Modification, I was told that I did not qualify for a Loan Modification. I was told that I did not qualify for a Loan Modification, over the phone, this was my first time inquiry about a Loan Modification. I happen to attend a free legal Clinic, I Told them what Ocwen Mortgage Company and PHH Mortgage Company had told me. I was told that, they were not telling me the truth. The Attorney for the Legal Clinic contacted Ocwen, it was then, that they sent the Loan Modification Packet, it was faxed, the Attorney helped me fill out the Packet, the same day that they faxed the packet. However, about three weeks later, my neighbor saw that our house was being Foreclosed on. I immediately called Ocwen Mortgage Company, and XXXX told me that I had filled out the Packet wrong and that the Foreclosure Process could not and would not be stopped.
I was devastated, I asked if I could file for Bankruptcy Protection, I was told that once again I was not eligible to file for Bankruptcy Protection. I was constantly lied to and deceived by Ocwen Mortgage Company and PHH Mortgage Company.
I was deceived and deliberately lied to because I am a woman not just a woman but a minority. I was backed in a corner and I had no idea what I was doing all I knew was that I had to stop the Foreclosure Process. I could not afford an attorney, so I filled for bankruptcy protection on my own. I was having panic attacks and anxiety about losing our home. Ocwen Mortgage Company nor did PHH Mortgage Company ever offer any assistance for my catastrophic work related injuries that I sustained to my face and my back. I was constantly lied and deceived by a company that claims to keep homeowners in their homes. However, my ex husband was only XXXX years old, when he enlisted in the XXXX, he was so young that his parents had to sign a consent. Our home flooded in XX/XX/2016, we, I made the mortgage payments for two years after The Great Flood of XXXX XXXX Louisiana. I even asked about what disaster relief resources were available, I was never told about any services, I was always the one whom had to call and inquire. I have a great aunt that I take care of, she just made XXXXyrs. old on XX/XX/XXXX. I am keeping my circumstances from her, she has been on this earth for XXXXyrs. and I want her last days to be enjoyable. I have contacted Housing and Urban Development. I have contacted The XXXX XXXX OF LOUISIANA. I am contacting The Civil Rights Attorney. I have submitted a Letter to the Attorney General Office Of Louisiana. I know without a shadow of a doubt that our Civil Rights have been Violated. I have submitted several letters to PHH Mortgage Company. I did a review on The Consumer Affairs website, I later discovered that The Consumer Affairs website does not make reviews public, they are private reviews. I have spoken to XXXX, I was so disgusted with XXXX, I submitted a Letter several Letters, Telling PHH Mortgage Company that I did not want to talk to XXXX again, they totally ignored me, they assigned my case to XXXX again. However, once my review was on The Consumer Affairs website, PHH Mortgage Company, lied, and said that they were going to contact me, I am still waiting to be contacted by PHH Mortgage Company. LIARS, FRAUDSTERS, HUSTLERS, CON ARTIST, DECEITFUL, MANIPULATORS, ARM TWISTERS, NON COMPASSIONATE. Unwilling to help us to keep our home. I was told about RESPA, I sent RESPA Letters to our dismay all of them were ignored by PHH Mortgage Company.
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| 06/20/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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What is happening on my account regarding a loan modification? I have had an extremely long and difficult time getting a loan modification with Ocwen as it was with GMAC ( XXXX ). Is Ocwen practicing ethically under the housing regulations? I will submit additional formal complaints with FHA ( and etc. ) if this is n't resolved through this correspondence. As it stands I have yet to obtain a loan modification. In XXXX, I fell behind on my mortgage because I was laid-off from my job shortly after I moved into my new townhome. In XXXX, I filed bankruptcy since I had not been able to find a job of comparable income as what I had been making prior to being laid-off. I would have given the home back to GMAC, however, I did not have a place to go and I did not want to be homeless ; so I continued begging for a loan modification each time getting lied to and denied. By XXXX, I was behind $ XXXX on my home. GMAC eventually got bought by Ocwen. Thank XXXX, I was able to finally get approved XXXX in XXXX ; and I was immediately caught up with my mortgage. Due to confusion on my XXXX end, they stopped accepting my association dues in XXXX and demanded payment from what had been discharged in my XXXX bankruptcy. I do not have that type of money ; nonetheless they began to aggressively collect from me. They placed a $ XXXX lien on my home XXXX XXXX XXXX XXXX, a $ XXXX judgment on my credit XXXX XXXX. XXXX ), attempted to liquidate my bank account XXXX XXXX ) and attempted to garnish my wages XXXX XXXX ). They are demanding payment of $ XXXX and now they are threatening to sell my home. Because of the XXXX, I previously experienced with my mortgage, I decided to give the home back to Ocwen before the XXXX decided when to foreclose. Ocwen instead decided to review my account for a loan modification in XXXX XXXX. I paid ALL of my trial payments and each time I call to check the status, I keep getting told they are still reviewing my account. Meanwhile, I receive delinquency letters in the mail from Ocwen saying I am past due and that I am behind 2 months and could face foreclosure. Now I go online and it appears as if the " modification '' has disappeared. And, I am now being required to make my normal payments. However, when I call Ocwen the representatives state " Oh no, ma'am, you are good until XXXX. Just ignore what you see online. We are still reviewing you account for a loan modification '' Bottomline : I owe my XXXX. Now I have no place to go because they destroyed my credit. Can you go ahead and resolve this problem? It appears I am being lied to by Ocwen and I will be foreclosed on by Ocwen waiting on a loan modification so I can work out a payment plan with my XXXX and my XXXX wo n't foreclose on me. That is cold-blooded! In all actuality, you CAN add the amount of $ XXXX to the back of my loan with Ocwen. The home is worth XXXX. If you would add the XXXX amount to the back of my loan with Ocwen, my principle balance would be max $ XXXX and it would NOT negatively impact Ocwen 's interest in the property. I could then sell my home in XXXX upon fully satisfying my contractual agreement with XXXX ; pay off Ocwen IN FULL and have money to move into another home-finally ENDING this NIGHTMARE on XXXX XXXX XXXX. However, if my XXXX proceeds with foreclosure Ocwen will NOT have any interest in the property. The XXXX can sell the property for whatever they want and please remember I do not have money to pay Ocwen back for whatever amount is deficient from an XXXX foreclosure. Additionally, I will not have a home. Ocwen 's motto is helping homeowners. I have yet to be helped by Ocwen as a homeowner. So far all Ocwen has done for me is cause more problems. I need help. Where are you Ocwen?
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| 02/20/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Complaint to Consumer Protection against OCWEN LOAN SERVICE Ocwen needs to provide all payments made to Ocwen by XXXX XXXX XXXX XXXX.
Ocwen needs to explain why they sent a letter dated XX/XX/XXXX that they will schedule a sale of my property XXXX XXXX XXXX XXXX, Hawaii without legal standing.
( See Exhibit A. ) Ocwen needs to explain why they sent me correspondence on XX/XX/XXXX of an unrecorded assignment dated XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX.
When they already claim they sold the servicing rights in XXXX to XXXX/XXXX XXXX.
XXXX Exhibit B ) Ocwen needs to explain why they sent me correspondence on XX/XX/XXXX of assignment dated XX/XX/XXXX from XXXX XXXX to XXXX XXXX XXXX, when they already claim to have sold servicing rights to XXXX/XXXX XXXX.
( see exhibit C. ) Ocwen needs to explain why they sent correspondence dated XX/XX/XXXX, subject matter XX/XX/XXXX letter from GMAC, stating entire balance immediately needs to be paid after 35 days of date of letter dated XX/XX/XXXX.
( See attached Exhibit D ) Ocwen needs to explain their letter dated XX/XX/XXXX signed by Mr. XXXX XXXX of their executive offices stating that Ocwen enclosed in their letter the corrected assignments. Ocwen executed assignment documents dated XX/XX/XXXX and another dated XX/XX/XXXX and one more dated XX/XX/XXXX.
Ocwen executed assignment documents in XXXX as they stated in their letter. Now Ocwen claims they dont have any executed assignments in XXXX and XXXX.. Why did Ocwen state XXXX In their letter XX/XX/XXXX that they had corrected assignments in XX/XX/XXXX.
Ocwen states the mortgage and note was secured in a trust with XXXX XXXX in XX/XX/XXXX.
See letter dated XX/XX/XXXX. Ocwen needs to provide a true recorded assignment that they claim took place in XX/XX/XXXX With XXXX XXXX..
Ocwen lied to me. I have a recorded conversation with Mr. XXXX XXXX of XXXX XXXX XXXX XXXX recorded in XXXX Mr. XXXX stated the XXXX XXXX XXXX had no interest in XXXX XXXX XXXX property.
He stated there was no recorded assignment to XXXX XXXX XXXX or there was no assignment recorded to MERS system as nominee.
Mr. XXXX stated if XXXX XXXX XXXX had an interest, a recorded assignment had to be recorded in XXXX to the trust or to the MERS system.
Ocwen claims to have transferred servicing rights and ownership of mortgage in XX/XX/XXXX without any legal standings and rights.
Ocwen executed assignments XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XXXX even after they claim the servicing rights were sold to XXXX/XXXX. XXXX in XX/XX/XXXX.
See attached letter : dated XX/XX/XXXX from XXXX XXXX of XXXX XXXX XXXX XXXX XXXX to Ocwen private investor relations.
Also see attached letter dated XX/XX/XXXX from Ocwen Mr. XXXX XXXX office of the consumer ombudsman.
In letter from Mr. XXXX he states he believes XXXX XXXX is currently servicing. He states that PHH/Ocwen is not currently the server. Ocwen can not take this action on your behalf. So why did Ocwen executed a fraudulent assignment again in XXXX, if Ocwen already sold the servicing in XXXX?
Its now over seven years GMAC Ocwen XXXX/XXXX. XXXX continuously execute fraudulent assignments in attempts to show legal standings and execute endorsement of the note. The original wet copy note endorsed in blank and wet copy mortgage docs do not exist.
GMAC in XX/XX/XXXX, stated they only had copies. Ocwen and XXXX /XXXX. XXXX executed fraudulent endorsements on copies of the note.
On XX/XX/XXXX I received copies of original mortgage documents from XXXX national title prior to recording and executed by XXXX XXXX XXXX. The notary page signed by a notary, venue page State of Hawaii was left in blank.
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| 08/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom It May Concern : This is not a duplicate complaint, but an ongoing problem that I have been having with Ocwen Loan Servicing in a foreclosure case in XXXX XXXX Court case # XXXX. The following complaint stems from their unwillingness to work with me and the possible mortgage modification process. Today XX/XX/XXXX I spent extensive time on the phone with the representatives and supervisors concerning this matter, but to no avail. I felt as though they were getting back at me for wanting to find out what the details were of what I had previously asked and was not satisfied with.
On XX/XX/XXXX Ocwen responded to my request for information that was filed with your organization complaint number XXXX. I requested additional time to review and respond to their findings and was not given that opportunity, WHY? I was told that in XX/XX/XXXX, paper work was sent to me regarding modification, but I never received it, and wanted to have another opportunity to possibly process those paper work, but was told that it could not be done and would not be done. I was told by one of the representatives to contact the attorney of record to ask for a stay on the sale dated for XX/XX/XXXX at XXXX XXXX, but that was an impossible approach because the attorney of record would need to hear from Ocwen and they were unwilling to help us WHY? We wanted an opportunity to review the information they said that they sent me, but I never received it.
The supervisor would not give me the executive information to speak with them.I was not told whether this was a company policy or not it was not something they were going to do. They further would not tell me who was actually selling trying to sell the house whether it was Ocwen or XXXX XXXX. The cold heart response from this company was not call for and they further stated that they had the original note of which in an earlier response to my request for information, they stated that they did not have it. So, the mix messages and the unclear opinions, and the blatant disregard for our request has led to yet again file this complaint.
We are aware of the limitations that faces CFPB, but yet their unwillingness to help restart this process was uncalled for. I am aware that Ocwen told the court that they had the note, but did not show me a copy. The third party that they were working with never informed me about these proceedings and now with limited time left they will proceed to sell this property without regards to letting the home owner get another opportunity to do a loan modification.
Questions : 1. We never asked to get the original note back, we simply just wanted to see under their determined protection of the note method, to see it. Why could they not do this if they say they have it. We believe they lied.
2. Is Ocwen in the business of helping family keep their homes, or are they in the business of making sure the bank takes away what people have worked for?
3. Why was it so out of the ball park to ask for another opportunity to possibly do a modification on the alleged loan amount which had inflated cost added to it?
4. Where are the assignment agreement and documentation of these events placed, because we never received any such consent to have the mortgage reassigned?
5. Since I was told that XXXX XXXX are the investers, were they the ones who are still collecting on the securities?
6. Why were they insufficient evidence to go forward on this said case back in XX/XX/XXXX. Case number : XXXX?
7. I am still at this eleventh hour requesting that this sale be discontinued and that another opportunity be given to rectify the situation. If not why?
Thank you for the opportunity to file this and your response is greatly appreciated.
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| 12/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I lost my job in XXXX of XXXX with a last day worked of XXXX/XXXX/XXXX. I notified my mortgage company ( Ocwen Loan Servicing Inc ) of this occurrence and was told that they would modify my loan to help me out. I provided all requested information in XXXX XXXX. Upon responding via notified application, I was told that it was a forbearance vs a modification. At this point, my assigned Relationship manager stopped being available to meet with me. I was told by another agent that the forbearance would be in effect for 1 year ( ending XXXX XXXX, XXXX ) and that the interest would be put on the end of my mortgage and be re-evaluated at that time. Nothing has gone as they stated with this company since I was unable to make the original mortgage payment. I made each specified payment including a full payment which was gifted to me in XXXX of XXXX. Ocwen began calling & harassing me before the Forbearance ended AND they returned my XXXX payment of {$280.00}. In XXXX of XXXX, I had to undergo XXXX XXXX for the removal of XXXX and was unable to work, therefore unable to collect unemployment. When I began further discussions with Ocwen, they informed me that I had defaulted on my loan. I had an attorney appointed to me through the support of the XXXX ( XXXX XXXX XXXX for XXXX ) organization who provided them with letters as well as my physician of my inability to work. I completed a modification application with them in XXXX of XXXX. Still no sign of my assigned Relationship Manager. At this point, Ocwen began schedule meetings with me every 2-4 weeks to discuss the progress of my application. There was ALWAYS something missing or more information was needed. I have only spoken with my assigned Relationship Manager XXXX time in XXXX XXXX which I was accompanied by a mortgage counselor. I have provided every request on my income as well as physical status to them. I speak with a different Relationship Manager each time. I have met with Ocwen via scheduled conference calls XXXX times since XXXX. They requested an updated application after telling me several times that they had everything they needed. I complied even after telling me on XXXX that the latest documents had been received, my applicaiton was under review and that an answer would be provided during the next meeting on XXXX. In spite of undergoing medical treatments every 6 weeks, I have met every request and only missed XXXX meeting due to a medical ER. Ocwen came back on XXXX and told me that my application was missing parts and that I had to re-submit. We requested to speak with a manager. The manager informed us that the application had expired & I sent in updated dates to them along with a 'Profit/Loss ' statement of income which had already been sent to them on XXXX, XXXX, XXXX & XXXX. Ocwen then came back and requested a copy of my XXXX income tax. I explained that I had not filed for XXXX as XXXX had not yet ended and they asked for the latest on XXXX. I complied. Ocwen has still not completed my modification application and on XXXX requested a 'Statement of Wage Income ' letter. Ocwen continues to send me letters of default & call me along with other attorneys & collection agencies even though they KNOW I am working to modify. They are constantly requesting the same information but in a different format. I do not believe they are genuine about helping me keep my home. Their is a tremendous language barrier as I have only spoken with XXXX representatives who speaks clear XXXX. Each time I request my assigned relationship manager, they state to me that I am refusing the call and requesting a new call. NOTHING I have done has been good enough and I truly fear that I may lose my home because of they way they do business.
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| 09/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Closing Date : XX/XX/XXXX Loan Amount : {$290000.00} Summary of actions taken : In XXXX of XXXX, I sought affordable financing options for my property through mortgage refinance with originator XXXX XXXX XXXX. Please note the following changes as it pertains to XXXX XXXX XXXX : On XX/XX/XXXX Ocwen acquired and became successor in interest to XXXX XXXX, the successor of Mortgage originator XXXX XXXX XXXX. As a result of this acquisition Ocwen Financial Corporation is a successor Corporation and is liable for the illegal practices alleged in this complaint.
My application for mortgage refinance was approved under the advertising and representation of what was understood as a typical Adjustable Rate Mortgage ( ARM ) product. This emphasis of an ARM was conveyed through a summary document presented.
During the loan closing procedure, details were revealed that the ARM product being offered contains features that would base the interest rate on the London Market Interbank Offered Rates ( LIBOR ) with the primary focus placed on this particular disclosure in addition to a XXXX, fixed rate, Interest Only period with pre-payment penalties up to XXXX years after origination. These product features were not discussed nor mentioned prior to the actual closing appointment.
With the understanding of key terms as presented by representatives at closing, I concurrently performed a best case review attempt of ALL documentation prior to placing signatures on any items considering the expeditious fashion in which the closing was conducted and the wealth of information contained in the loan package.
Beyond the XXXX, fixed rate, Interest Only period and in the years following the start of the current amortization period, I became extremely concerned that although a tremendous downturn was experienced in the LIBOR index due to mortgage market adversity, the interest rate on the ARM was never adjusted to reflect those changes in any way when this should have been the case based on market performance as indicated in various rates tables. The Product disclosure document specifically states that the interest rate will be based on the aforementioned index. A copy of the Adjustable Rate Mortgage Loan Disclosure is attached.
I was able to contend through careful and independent examination of loan documents, specifically the ARM product disclosure, that deceptive practices were evident by the mortgage lender providing misleading information and through inadequate disclosure of the actual loan terms and conditions as well as leveraging contradictory language contained in several loan documents. Due to the complex nature of the misleading documents presented and the length of time transpired which the LIBOR index data was made clear, the harm resulting from these deceptive practices of the mortgage company was fully recognized by me in recents year.
I further concluded that the Mortgage company violated FTC section 5 by leveraging the persistent use of misleading loan documents through inaccurate titles or labels for most notably the Adjustable Rate Mortgage Loan Disclosure, Adjustable Rate Rider, and the Addendum to the Adjustable Rate Note, each of the aforementioned documents in Title specifically referenced the 5 year, Interest only period, yet there were elements that referred to the amoritization period which is clearly deceptive.
To resolve this I sought redress through a personal lawsuit filed in Federal Court charging the mortgage company with FTC Act section 5 violation but the case was dismissed due to no private right of action. As the government agency that is equipped with enforcement to address such violations I am submitting this complaint to the CFPB to investigate further.
|
| 05/04/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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There are no notice of assignments recorded at county sh owing loans Deed of Trust has been service transferred to Ocwen. Recording of th e deed of Trust is required especially under Missouri power of sale provisions. The servicer must possess servicing rights to the Deed of trust in order to foreclose . Ocwen has failed to demonstrate proper assignments of custodial servicing rights to the loan at the county l and recorders office of XXXX XXXX . Hence the reasons why there are very stringent notice requirements and the legal documents are required to contain the power of sale language in order to use the non-judicial foreclosure method. Due to Ocwen failed proof of loan assignments its highly logical to determine that the acting substitute trustee which is XXXX XXXX XXXX at phone number XXXX ; is attempting to, execute a power sf sale under invalidated circumstance s. Ocwen in dicates that they are executing sale based on a previously recorded Substitute deed of Trust from XXXX , which may be in error due to Ocwen faults and failed proof in loan assignments.
Furthermore, Ocwen, provided no written notice of foreclosure sale date of XXXX XXXX , XXXX . Used illegal foreclosure attempts and tactics ignored, due process under Missour i State non-judicial foreclosure laws. XXXX XXXX XXXX alleges to have mailed certified letter indicating the scheduled XXXX XXXX , XXXX , sale date back on XXXX XXXX , XXXX . No letter has ever been received to date, as it was to be addressed to me property address. The entire process has been a game of smoke and mirrors with Ocwen. They are belittling the mortgage crisis and the system for their own companies gains. Both Ocwen and their sister company Alti-source XXXX XXXX , ( f oreclosure mill ) is nothing more than a roulette system of confusion, foreclosure and profits. Both have seen devastating losses from a recent law suit brought by the Consumer Financial Protection Bureau ( CFPB ). * *Attempted to commit Fraud an d misrepresentation to foreclose by executing illegal foreclosure action with notification nor publications. Violation of Notice requirements are referenced in Missouri Revised Statutes Chap ter 443.320. A notice of foreclosure sale must be published at lease twenty ( 20 ) times and c ontinued to the day of sale in the event the property is located in a city of XXXX inhabitants or more. In other geographical areas publication must occur four at least four successive weeks the last advertisement no more than a week from the date of the sale. Within 20 days of the date of the sale the trustee must provide notice by registered or certified mail to the borrower and other parties in interest of the sale date and time, the terms of the sale and a description of the property to be sold. Foreclosure sales are to be held between XXXX and XXXX to be deemed commercially reasonable. Ocwen has violated all, Sale requirements which are referenced in Missouri Revised Statutes, Chapter 443.327. It is also my belief that there is no power of sale language within the Deed of Trust, however Ocwen has refu sed to respond to qualified written request ( QWR ), nor have they identify a power of sale addendum/clause within. All sale attempts should be cancelled immediately and followed with investigation accordingly. That being the cas e Ocwen shoul d be forced to complete a foreclosure via judicial process with a 1 year right for redemption period in which I have to pay the balance of the loan or not. Im demanding that these illegal acts be addressed and that my foreclosure be remained cancelled . Ocwen is currently being sued by the CFPB for these very same acts of treachery
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| 01/28/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I sent an email to the Executive Vice President, General Counsel and Secretary at Ocwen Financial Corporation, XXXX XXXX XXXX, to let him know of the servicing wrongs committed by Ocwen Loan Servicing , LLC regarding the servicing of our loan. He is the representative for Ocwen that signed the Consent Judgment with the Consumer Financial Protection Bureau ( CFPB ), together with attorneys general and state banking regulators in XXXX states, and the XXXX requiring the largest nonbank mortgage loan servicer in the country, Ocwen Financial Corporation, and its subsidiary, Ocwen Loan Servicing, to provide XXXX in XXXX lien principal reduction to underwater borrowers. We do have a pending lawsuit with Ocwen Loan Servicing , LLC, f/k/a Homeward Residential f/k/a American Home Mortgage Servicing Inc, but I did not think that should prevent me from communicating with XXXX XXXX regarding our case, since he is the representative that signed the Consent Judgment. I thought he would get involved and figure out a solution to our concerns. Instead of XXXX XXXX addressing our concerns, he forwarded my emails to their attorney working on our case and their attorney issued us a cease and desist letter. I am now unable to follow up with XXXX XXXX to see what he is doing to address the servicing wrongs committed by Ocwen.
Our home was initially listed for foreclosure sale on XXXX/XXXX/XXXX. I filed a complaint with the CFPB and the foreclosure sale was placed on hold. I requested that Ocwen provide the collateral documents that show that Ocwen has the authority to foreclose on our home. None of the documents provided names the mortgage-backed security trust.
According to XXXX XXXX XXXX, XXXX XXXX XXXX, as trustee, has a very limited role and does not have discretionary authority to monitor or direct the servicer in the servicing of the loan. The bank informed the Office of the Comptroller of the Currency, that it is the trustee to the mortgage-backed security that holds an assignment of the mortgage loan. Ocwen has failed to provide that assignment. The XXXX assignments in our loan file did not include any assignment of the deed of trust to XXXX XXXX XXXX, XXXX as trustee or to the mortgage-backed security trust. Ocwen provided us XXXX copies of an allonge. XXXX blank and XXXX stamped. Both allonges have a property address that does not match our property address. Our property address is XXXX XXXX XXXX, XXXX, XXXX XXXX and the property address provided on both allonges is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
We did a property search in XXXX XXXX and discovered that our loan had not been transferred to the trust in the land records office in XXXX XXXX. Our original lender, Option One Mortgage XXXX, a California XXXX, was in first lien position.
XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Company filed a fraudulent assignment of Deed of Trust in XXXX XXXX. XXXX XXXX retroactively attached our mortgage to a mortgage-backed securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. The person who signed the assignment, XXXX XXXX, is believed to be an employee for AHMSI.
Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Company from XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages.
Affidavit from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is a listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted.
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| 05/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Approximately XX/XX/XXXX I wife and I we 're having trouble paying for our mortgage. The The mortgage company 's name XXXX XXXX / Ocwen we were XXXX payments behind and the XXXX XXXX went XXXX days and XXXX days I called to make a payment and they would not take payment unless it was in full XXXX and that 's why we were late you were also in the middle of a modification I told them if I could pay in full I would but that 's why I needed the modification so we filled out the application after numerous phone calls and many times of giving them paycheck stubs of my wife and letters of hardship and profit and loss they were scheduling phone appointments approximately XXXX weeks apart they as in Ocwen and the modification team missed quite a few appointments on the phone when I spoke to a supervisor she assured me that this matter will be taken care of then they called me and said that my application was XXXX days old and I had to start from the beginning. At that point I called the attorney general of Ohio they referred me to HUD which my contact there was XXXX XXXX she referred me to XXXX in my contact there was to be XXXX XXXX when I called they sent me out an application I made an appointment and spoke with a XXXX XXXX after filling out a complete application and getting paperwork that I was lacking I hand-delivered it to her she sent all the paperwork into Ocwen after approximately six weeks I called back she still had no answers then around XXXX she called me and needed an explanation of my wife 's pay I sent over the explanation in writing to her and also told her of my concern of the XXXX day deadline she said not to worry that that did not apply to them I continue to call XXXX every XXXX weeks update she said we are waiting on a decision periodically she would need an updated paycheck stubs bank statements she kept on assure me that all the paperwork was in and we are just waiting on underwriting and then I found out that Owen outsources all their underwriting and material for the modifications as time went on I started getting nervous so I continue to call every two weeks XXXX said there was no updates I even had a conversation with XXXX boss XXXX XXXX I told her my concern of foreclosure she told me that in the state of Ohio they could not foreclose on the property if you were in the middle of a modification or waiting on a decision and that was a law at that point I started getting letters of foreclosure and kept calling them and they assured me that it was nothing to worry about and on XX/XX/XXXX I was served papers up foreclosure on my property I then called XXXX XXXX said she would look into it I also called XXXX XXXX at HUD XXXX said she would do some investigation XXXX called me back and said that I was to file a complaint with you and send a letter to them a letter of error that she had spoke with an attorney and he said that they could not foreclose on the property why would n't a decision on the modification XXXX then told me to call Ocwen myself and check it out I spoke to XXXX and the modification team she told me that she knew of no such law XXXX thing I was missing was an updated paycheck stubs of my white from her job XXXX I call back in two days and they said they received them and we were waiting for underwriting I called back XXXX at XXXX and told her I was running out of time she told me to go ahead with the complaint against Ocwen this is been going on for over a year and they told me it 's because of the outsourcing and now they want to foreclose on my property. I do know that HUD and XXXX have tried to contact Ocwen and the gentleman that handles the foreclosure and he has never gotten back to them I have no where to turn I have run out of time
|
| 05/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
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I get nowhere when trying to contact Ocwen. I have XXXX issues with them.
The first issue deals with extra payment that I had mailed in the beginning of a mortgage modification. I had mailed in the check and then was told not to mail it.
On XXXX XXXX XXXX Mortgage Services sent me a letter stating they received {$3000.00} on XXXX / XXXX / XXXX.
On XXXX XXXX XXXX XXXX me a letter stating they have n't received the payment for XXXX and applies a late charge of {$130.00}.
On XXXX XXXX XXXX XXXX sent me a letter stating they have n't received payment for XXXX and applies a late charge of {$130.00}.
On XXXX XXXX XXXX I sent a fax to XXXX regarding the extra payment of {$3000.00} plus the late charges. The response I received from XXXX was that the loan was sold to Ocwen and yeah I need to contact them. I had contacted Ocwen many times in between but in the effort of saving time and space the most recent contact begins on XXXX XXXX XXXX. I sent a fax to Ocwen and ask them to please explain certain transactions found in my payment history and what happened to the {$3000.00}.
On XXXX XXXX XXXX the response I received from Ocwen was a payment history and the statement that they trust the information provided fully addressed my concerns. Which it did not. They sent me a payment history because I had questions on my payment history.
On XXXX XXXX XXXX I sent a fax to Ocwen do please explain my account history and separately identified XXXX areas of concern and what about that {$3000.00}.
On XXXX XXXX XXXX I received a response from Ocwen stating they needed 20 more days to research.
On XXXX XXXX XXXX I received a response from Ocwen stating they need 15 more days to research.
On XXXX XXXX XXXX I received a response from Ocwen summing my XXXX concerns down to just XXXX : the amounts reflected on the billing statement and explained the payment history. The response was XXXX pages long. The first XXXX and a half pages had nothing to do with my request. Such as when they acquired servicing rights comma when the loan was modified comma the principal balance comma the balloon payment comma the maturity date, the different principal balance, stating they waive the Deferred principal balance, send me another copy of the modification agreement, XXXX payment history, explain how the loan is escrowed, and how escrow functions. They stated that on XXXX XXXX XXXX they processed necessary adjustment. On XXXX XXXX XXXX they receive payment which was incorrectly applied. On XXXX XXXX XXXX they process necessary adjustment. Please note that we have process necessary adjustments and reapplied all the payments correctly. We sincerely apologize for the inconvenience.
XXXX the XXXX payment is due.
Now if they would have replied all the payments correctly they would see the XXXX payment was paid.
On XXXX XXXX XXXX I sent a fax to the research department at Ocwen and provided a transaction history that I received from them showing a single item receipt of {$3000.00} on XXXX XXXX XXXX placed in suspended funds. Please explain what happened to these funds.
On XXXX XXXX XXXX I received a response from Ocwen stating they will need 20 more days to research.
On XXXX XXXX XXXX I received a response from Ocwen that the funds of {$3000.00} we 're used to roll a due date. They sending a transaction history. PS XXXX payment is due.
On XXXX XXXX XXXX I sent a fax to the research Department asking to identify specifically which date was rolled.
On XXXX XXXX XXXX I received a response from Ocwen stating they will need 20 more days to research.
On XXXX XXXX XXXX I received a response from Ocwen stating they will need 15 more days to research.
It was the last I had heard from Ocwen on this subject.
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| 09/22/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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Document fraud from indecomme, under the control debt collector 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, XXXX, XXXX XXXX, OCWEN LOAN SERVICING, XXXX under the control & ocwen ARE indicative of similar behavior of XXXX.assignment as evidence of debt collector XXXX, ocwen FALSE ascribe statements haresign, XXXX and representations, assignment fraud, misrepresentations.communication tactics assignments as evidence of fraud.MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD XXXXThis article was originally published in XXXX XXXX 's previous publication, XXXX XXXX, ' and is republished here as a resource for those interested in foreclosures and document fraud. XXXX XXXX, XXXXIn the past ten years, hundreds of thousands of residential mortgages were bundled together ( often in groups of about XXXX mortgages ), and investors were offered the opportunity to buy shares of each bundle. This process is called securitization. Each such bundle of residential mortgages was given a name, such as " XXXX XXXX XXXX XXXX XXXX XXXX. '' The name indicates information about the particular trust such as the year it was created ( XX/XX/XXXX ) and its contents ( with OPT indicating that the loans in that particular trust were originally made by Option One Mortgage ) .Each such bundle/trust has a Cut Off Date identified in the trust documents ( specifically, in the Pooling and Servicing Agreement ). The Cut Off Date is the date on which all mortgage loans in the trust must be identified. In short, a final list of all of the mortgages in the bundle is set out. Each trust also has a Closing Date which is the date that the individual mortgages are transferred to the Trust Custodian, who must certify that for each mortgage, the custodian has a mortgage note endorsed in blank and proof that the ownership of the note has been transferred. This proof is most often an Assignment of Mortgage. Most trusts included the following or equivalent language regarding the Assignments : " Assignments of the Mortgage Loans to the Trustee ( or its nominee ) will not be recorded in any jurisdiction, but will be delivered to the Trustee in recordable form, so that they can be recorded in the event recordation is necessary in connection with the servicing of a Mortgage Loan. " Title insurance companies issued policies guaranteeing that the trust had clear title to the mortgages.When widespread defaults occurred, Trustees discovered that the laws regarding Mortgage Assignments varied significantly from state to state. Many issues regarding such Assignments were simply unresolved. One of the most significant issues was whether Mortgage Assignments could be back-dated or have retroactive effective dates. This issue arose because Trustees and their lawyers discovered in the foreclosure process that the Assignments could not actually be located, or that certain states did not allow blank Assignments.To solve the problem of the missing Assignments, new Assignments were made and recorded. Because the question of retroactive Assignments had not been resolved, most of these Assignments did not set forth the actual date that the Assignment took place. The Assignments were signed and notarized as if the transfer took place many years after the actual transfer date.The Assignments were prepared by specially selected law firms and companies that specialized in providing " mortgage default services '' to banks and mortgage companies. In jurisdictions with a high rate of mortgage defaults, over XXXX % of the filed Mortgage Assignments in the last three years were prepared and filed by the same XXXX or XXXX law firms.ATG
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| 03/28/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My name is XXXX XXXX I live in XXXX, Ohio. I am a XXXX XXXX XXXX XXXX man. I am on Social Security. I do the best I can to exist I guess you would say. I had ran up credit card debt XXXX 7 years ago that I could not pay back. My wife and I split up and divorced. Total house hold income went down. I went to an attorney to ask about bankruptcy years ago and he told me that since I was poor he said I would not bother, ca n't get blood out of a turnip he said. So I let it go. As the years past I would get notices from collection agency 's from time to time. I just ignored them like the attorney said. No one ever really pressured me, but felt guilty for not paying, but did not know what to do so I thought since I was probably never going to be able to pay off the debts maybe I should think about bankruptcy again. I was afraid someone might try to put a lien on the house I own. It is all I have to my name mostly. Have lived here 10 years never missed or late on the house payments. I decided to contact XXXX Law out of XXXX. I was first told the same thing by them let it go you are poor. So I let it go. A few weeks later I was called back by another guy from XXXX Law who said they could arrange payments for me so if I still wanted to file they said I could do so. So I said yes lets do it and would be out of debt the legal way once and for all. After 15 months of payments I have now filed. I guess I did not understand bankruptcy laws very well. I thought I could just totally the leave house out of bankruptcy and a person just choose what debts to have dismissed. I found out all debts are included and you choose to continue paying on some like car or house. I was hoping to keep my house. Would not have filed at all had known what I know now. Now is where the problem starts. I use to have GMAC for my mortgage. Mortgage was taken over by Ocwen now for a few years. Since I have filed bankruptcy Ocwen cut off my auto pay on my mortgage. I called and said I would still like to continue with my mortgage and could they just restart the auto withdrawl from checking. Ocwen said I would have to make monthly payments on my own and said they can not do that since I am filing bankruptcy. They said that I would need a reaffirmation agreement with them before they would do that and that my attorney would have to apply to their bankruptcy division and they may or may not approve it. They do not submit XXXX. My attorney said that it is not usally done the way they are stating. Not that I know of course. Now I thought I would go on Ocwens website and check to see if I will be able to pay next months mortgage payment that way. I see I have been cut off of that also. What they are going to do apparently is make it as hard as they can for me to make the payments in hopes I will default on my loan so they do not have to deal with me at all. My guess is that they can collect on an FHA loan if I default and they forclose, then turn around and sell the property since it is worth more then I owe and make out even better??? Maybe I am way off base on this. I have never trusted this company after I saw all the complains on the Internet about them and I tried to get a mortgage adjustment a couple of years ago. I went to a place XXXX and they filled out the paperwork and sent it in to Ocwen and Ocwen said they never got the paperwork and I know they did. I just gave up, was afraid they would try to foreclose on me if I riled them up. So I gave up. My question is, why does this company get to exsist? XXXX website has over XXXX complaints alone. XXXX attorney on XXXX website said California was wanting to not allow them in the state. I guess XXXX State had some kind of problem with this company in the past.
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| 05/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Ocwen Loan Services handles my mortgage. I fell behind in monthly payments ( about XXXX months ). The last payment I sent in was returned to my bank. When I inquired about it I was informed that I had to apply for a loan modification. I asked if there was any other way I could get back in good standing. They refused to allow me to pay the amount I was behind. I did not want to apply for a loan modification with Ocwen because I had tried in the past and it is impossible to get all the documentation they ask for. On both occasions they notify me of remaining documents the underwriters need. It starts with about XXXX pages that are missing. I fax the pages and a week or XXXX later they send a letter stating they need the same pages. This goes on until enough time has passed that some of the documents they have are too old so I have to acquire those documents and submit them over and over again. The list eventually gets down to XXXX or XXXX pages and I submit them everytime they ask. The XXXX time this happened I was n't behind in payments, I wanted to lower my interest but I quit trying. XXXX months later I get a letter saying they could not process my request due to noncompliance on my part. This time I am behind in payments and I am about to lose my house. The same thing happens asking for documents that I have sent, via fax or email. When I requested a reinstatement quote they refused but months later I requested a reinstatement quote and they mailed the quote. If they had quoted a reinstatement amount when I first requested I could have paid the amount before the month ended. Now the quote has grown too large to pay off in one lump sum and they will not allow me to pay an additional amount each month until I am even. I even offered to pay XXXX the monthly payment to catch up. My original monthly payment is so small I could afford to do that but they refuse any offer of payment except lump sum. Right now the missing documents are lease agreement because I rent a bedroom to someone. There is no official agreement for this because the renter is a friend. I wrote an agreement stating how much rent I receive from him and the due date both of us signed the agreement. I have submitted this agreement along with monthly receipts when I collect the rent. Each time they request the same documents it takes longer for them to get the letter to me. Once the letter arrived the day after the due date. This has gone on for almost a year and I fall further behind. I do not qualify for any of the programs like HAMP my income is too large and the amount owed is too small. I have sent the same documents XXXX in one month in the meantime the other documents become too old so we start again from the top. I have sent a completed application XXXX times my income does not change, the pensions I receive are for life yet the XXXX months of bank statements they ask for have to be less than XXXX days old and they at first but they are stalling long enough and maintain the missing documents game so that I can never get all the documents in with the right dates. Communicating with the representative they assign is impossible his accent is so heavy I do not know what he is saying and he does not listen I have repeatedly written letters explaining the status of the rental. I am not renting my house I am just renting XXXX bedroom. I just know that one day soon my house will be in a foreclosure sale. I believe they are doing this on purpose because I owe less than {$80000.00} but the house is worth {$110000.00} without any improvements made. It is like playing the old shells con and Ocwen is the XXXX. They shuffle the documents and remove them from the shell so no matter what I can not get it right.
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| 06/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Please be advised that this letter is a " Qualified Written Request '', DEMAND, AFFIDAVIT, and AMENDMENT in compliance with RESPA and under the DEED OF TRUST/SECURITY AGREEMENT/NOTE created namely the LOAN # : XXXX : OCWEN LOAN SERVICING LLC ; XXXX ; XXXX This letter is to inquire about the accounting and servicing of this agreement and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, inception of my loan to the present date.
To this date, the information, documents I have, that you have sent, and the many conversations with your customer representatives/agents, have been unproductive and have not answered many or any questions.
It has come to my attention that your company may have been accused of engaging in one or more predatory servicing or lending and servicing schemes. As a consumer, I am extremely troubled to know about such practices by anyone ; let alone. OCWEN LOAN SERVICING LLC ; XXXX ; XXXX financing company or anyone who has any interest in this matter. I am concerned that such abuses are targeting the uneducated and uninformed/unaware consumer and disadvantaged, poor, elderly and minority Americans.
Regardless, I am most concerned. This situation worries me that potential fraudulent and deceptive practices by unscrupulous brokers ; sales and transfers of credit and or servicing rights ; deceptive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, loan account and/or the debt or payments that I am currently, or may be legally obligated to.
At this time, I hereby demand absolute first hand evidence from you of the original blue ink signature of the note to verify holder in due course of this alleged debt and or security regarding account # XXXX In the case, that you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned my note. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent of the actual evidence of the security I have no choice, but to dispute the validity of your lawful ownership, funding, entitlement right, and the current debt you allege I owe. By debt I am referring to the principle balance you claim I owe ; the calculated monthly payment and any fees claimed to be owed by you or any trust or entity you may service or sub-service for.
To independently validate this debt, I need you to conduct a complete exam, audit, review and accounting of this account from its inception through the present date. Upon receipt of this letter, please refrain from reporting any negative credit information to any credit reporting agency until you respond to each of the above mentioned requests.
I also request that you kindly conduct this investigation and audit of this account by a certified public neutral party, since its origination to validate the debt you currently claim I owe. I would like you to validate this debt so that it is accurate to the XXXX.
Please do not rely on previous servicers or originator records, assurances or indemnity agreements and refuse to conduct a full audit and investigation of this account. I understand that potential abuses by you or previous services could have deceptively, wrongfully, unlawfully, and/ or illegally : 1 ) Increased the principal balance I owe ; 2 ) decreased the proper amount applied and attributed toward principle on this account ; and/ or 3 ) assessed, charged and/ or collected fees, expenses and miscellaneous charges I am not legally obligated to pay under this DEED OF
|
| 04/15/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
I have had a line of credit with Ocwen for several years in the amount of {$44000.00}, which is secured by my home. I carry my own homeowners policy, but because I need flood insurance also, I have let Ocwen supply a force based flood insurance policy which was around {$420.00} a year, which covered the line of credit. Other insurance companies had to insure the whole value of the property, which is about {$87000.00}, so the policies were more money, and the whole amount had to be paid upfront. Ocwen set up an escrow account and raised my payment around {$35.00} a month to pay the flood insurance policy. As you can see from the paperwork that I have sent you, as far back as XXXX the escrow payment remained constant because the force placed flood insurance was always around {$420.00}. Then in XXXX XXXX I was informed that my payment was being raised from around {$160.00} a month to {$380.00} to cover the shortfall in my escrow account. I went online and saw that on XXXX/XXXX/XXXX Ocwen put a force placed flood insurance on my property for {$2200.00}, on top of the force placed flood insurance policy that they had already placed on my property on XXXX/XXXX/XXXX for {$420.00}. I immediately called Ocwen to find out what was going on, and I was told to call back in 3 days so that they had a chance to look into the problem. This was after being on the phone with then for 45 minutes, and being put on hold 6 times while they were supposedly checking with the insurance company. I have since called back 3 times, and each time it is almost an identical scenario. The only thing that I was told was that in the XXXX XXXX raise in my flood insurance they had revalued my property for {$250000.00}. They gave me no explanation why that would be necessary, and considering that my property is only worth around {$87000.00} and the loan with them is only {$44000.00}, how can they justify raising my property value to such an exorbitant amount I have never made an insurance claim on my property, either flood or homeowners, since I have lived here, which has been almost XXXX years..Also, how can they put a force placed insurance policy on a property that is already covered by a force placed policy that they put on the property 3 months prior? It is very curious that my yearly policy amount has always remained around the {$420.00} mark as far back as XXXX, which is shown in the paperwork that I have sent you. Then for this XXXX window of time, XXXX XXXX to XXXX XXXX, I have to have this expensive flood insurance policy, and then for the renewal of my flood insurance policy for XXXX XXXX, my policy goes back down to {$420.00}. None of this makes any sense, and I personally feel that this is illegal I have done some research on Ocwen and I have discovered that they have been involved in at least XXXX class action lawsuits pertaining to this same issue, which they have lost, and have been court ordered to pay millions back to homeowners who have been defrauded. On my last call to Ocwen 3 days ago they told me that they would call me back today at XXXX to explain more about what was going on. I told the lady that I did n't want an explanation, I wanted a resolution, which would be to remove the escrow shortfall for that {$2200.00} flood policy, and change my payment back to normal. I told her that I would not be paying for that escrow shortfall, and that when I sent my XXXX payment in it would only include my regular payment and the extra for the normal flood insurance policy, like it has always been. She assured me that she would call me at XXXX today to give me more information, but it is now XXXX, and I have not received a phone call from them, nor do I anticipate that there will be XXXX.
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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PHH Mortgage ( PHH ) acquired my loan from AmeriHome Mortgage ( AmeriHome ) on XX/XX/2021.
AmeriHome, the prior servicer, failed to notify me of the transfer of the loan until XXXX days after my habitual payment date of the XXXX of each month.
Upon receipt of introductory communications from PHH, I contacted the company to inform them of the late notice and ensure that PHH was aware that it would need to obtain the XXXX payment from AemriHome.
PHH did not receive the XXXX payment from AmeriHome due to errors in AmeriHomes accounting and began attempting to charge me for an additional payment, above and beyond the payments agreed to in the amortization schedule when I took out the loan. PHH has also attempted to change late fees to me for the failure of their business partner, AmeriHome, to transfer the XX/XX/2021 payment as presumably required by the agreement between the two companies.
I communicated with PHHs escalation department regarding these payment issues. However, the PHH escalation department abruptly ceased responding to my calls or messages without ever communicating to me any determination of the source of PHHs issues with receiving the XXXX payment.
As I informed the company by letter on XX/XX/2021 : In addition, I have received multiple letters ( three of which are dated XX/XX/2021 ; XX/XX/2021 ; and XX/XX/2021 ) indicating that Our escalation department is trying to contact you. However, I have not received any recent phone calls, nor does my mobile account indicate any recent missed calls from PHH. I have responded more than once by calling the phone number indicated ( XXXX extension XXXX ), but no one has been available to receive my call. I have left detailed messages on each attempt to call the number provided. I have not yet received a reply to my attempts to respond to those letters beyond the receipt of additional nearly identical letters.
PHH Mortgage requested proof of payment, so I asked my bank to send directly to PHH a letter indicating the date and received status of every payment due and payable on my loan. That letter clearly indicated that no payments were late, nor had any payments been returned.
PHH responded with a request that I Please provide a copy of the cashed check front and back in order for PHH to initiate an investigation. Perhaps this was boilerplate language, but the company had already been clearly informed on multiple occasions that all of my payments had been made via ACH transfer. Thus, no copy of a cashed check could be provided. However, they were in receipt of the letter from my bank showing the status of all payments.
The latest substantive response by letter from PHH states that We have applied all the payments received on the account in accordance with all applicable federal and state laws and as outlined in the original Note, consolidated modification agreement and any agreed upon amendments thereto.
It appears as though PHH Mortgage, although clearly aware that all payments have been made in accordance with the latest information communicated to the borrower, is intent upon forcing me, the borrower, to correct issues that are clearly the fault of AmeriHome, the company with which PHH decided to do business.
I was not a party to PHH Mortgages negotiations with AmeriHome Mortgage. It is not within my power to correct issues between those two companies. PHH will need to sort out those issues with their chosen business partner, as any ethically run company would do. PHHs attempt to force a mortgage holder to make an additional payment, effectively unilaterally altering the terms of the mortgage agreement, is unconscionable and should be met with harsh penalties by the regulatory authorities.
|
| 06/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
|
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I was told by Ocwen, I did not qualify for modification, please see attached decline letter from Ocwennd previous Complaint filed XXXX. Throughout this process, I 've had XXXX and have not worked for the past XXXX months my husband is on XXXX, and we have decided to sell the property. We 've been in escrow for the past XXXX months and granted a short sale approval several months ago. The buyer had problem financing the property because it was next to an oil pump, so they had to go with a new lender and was able to get financing. Our realtor asked Ocwen for new extension and was declining due to the Hud one not reflect the original payoff amount going to Ocwen, which was an error on escrows part. We made the corrections and still have not received it after XXXX months, and I 'm being told now that I do not qualify for a short sale because I 'd make too much, and they want to review my financial documents again but are asking me to resubmit everything again which I have already done and I was denied a modification. The buyer has spent money already on appraisals and have been very patient with us for the past XXXX months ; it appears Owen is just trying to foreclose and is not working in good faith. My Realtor has ask Ocwen, to send him in writing what they want at this point but they have n't, and keep tell him they have submitted a request ... .that 's been for the XXXX weeks. I resubmitted everything Ocwen requested and still as of today my agent was told by Assigned Negotiator ( Agent ID XXXX ) what was requested by ( Agent ID XXXX ) on XXXX/XXXX/2015 was n't correct and more was needed. He told my realtor, after my realtor explained to him he sent over exactly what was requested he would call him back tomorrow to double check. Also my realtor asked Ocwen, to send him in writing what was needed by fax or email and has not got anything sent. I was asked by my realtor to call on XXXX/XXXX/2015 to call and see if anything was still needed and I was told by ( Agent XXXX XXXX ID XXXX ) NOTHING was needed. My realtor called back XXXX minutes later and was told by Agent ID XXXX ) some documents were needed and that ( Agent XXXX XXXX ID XXXX ) tell me XXXX prior that these documents were needed, which is n't true. They wanted me to explain the new financial statement because I should my husbands XXXX so they wanted an award letter showing it was his not mine and an explanation about my son he gives me {$700.00} a month cash for bills and food, everything was send by email to Ocwen on XXXX/XXXX/2015. My realtor got a call today by Assigned Negotiator ( Agent ID XXXX ) that Ocwen still need an award letter for Me and blank financial statement since I had no income? My realtor explained to him what was requested and there was no award letter for me because my husband not I that received XXXX, he also ask why are they asking for something different today then from last XXXX and all we needed was and extension because short sale was already approved. He put my realtor on hold and told him he 'll call him tomorrow, my realtor again ask to send all request in writing by fax or email, and why have n't he received it yet after XXXX months. His response was he is the Assigned Negotiator but can only communicate by phone and had to request it be sent by other department, and would take XXXX to XXXX hour. But that 's what he 's been told when he request they send what they need in writing. Please see attach Short sale approval letter, Request for extension, Denial of short sale extension due to income being to high and payoff to low, copy of letter from Ocwen that I did n't qualify for modification and short sale was my only option.
Thank you for your time and consideration.
|
| 05/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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Ocwen Illegally imposing forced placed insurance coverage for building and structures which is already covered by my condo association master policy.
Back-dating a Notice requiring hazard insurance coverage on my condominium unit within 45 days. Only really giving me 15 days.
Illegal Insurance Binder on Ocwen 's letter head, with XXXX XXXX XXXX XXXX. Also at the bottom of the alleged insurance binder it says " This communication is from a debt collector attempting to collect a debt ... '' How can a real insurance binder be a debt collector and be on Ocwen 's letterhead?
I purchased my condo unit and obtained a conventional mortgage on XXXX XXXX, XXXX which did not require interior improvement insurance coverage. My mortgage is not FHA, XXXX or XXXX XXXX loan. All that had to be furnished in terms of insurance coverage was the condo master policy which has always been in force and in place. For the last 10 years, XXXX XXXX XXXX has never been a requirement or an issue. Now after 10 years, Ocwen is force placing lender insurance retroactively to XXXX/XXXX/XXXX for an unknown reason, alleging the insurance coverage is for the fixtures, equipment and replacement of improvements and betterments in the unit. XXXX XXXX XXXX XXXX is the name of the alleged insurance company ; however the insurance binder does not cover any of the items Ocwen is requiring insurance coverage for. The Certificate on Ocwen 's letterhead states " the certificate only covers buildings and structures. It does not cover the contents or personal property, nor does it provide the property liability coverage. '' This alleged coverage is already covered by my condominium master policy and Ocwen has the master policies which have never lapsed. This makes no sense whatsoever and they are trying to charge me an extra {$2400.00} for this nonsense. There is something terribly wrong here, which shocks the conscience and does not sit well with me as a consumer and mortgage customer for over 10 years.
Ocwen can not retroactively require insurance coverage on my loan dated XXXX/XXXX/XXXX for the fixtures, equipment and replacement of improvements and betterments within the unit. Yesterday- XXXX XXXX, XXXX, I received a letter from Ocwen dated XXXX XXXX, XXXX stating it 's the second and final notice requiring internal insurance coverage for the inside contents of my condo unit within 45 days, which is improper. The back-dated letter only provides me 15 days. It 's dated XXXX XXXX, XXXX and I received it XXXX XXXX, XXXX. I check my mail timely and it does not take 30 days to get a letter to XXXX from XXXX. When I mentioned this to Ocwen this morning, they said the letter was sent on XXXX XXXX, XXXX, I said this is impossible to send a letter dated XXXX XXXX, XXXX on a future date, 2 days before, I said perhaps it was sent on XXXX XXXX, XXXX and that is why I just got it on XXXX XXXX, XXXX that makes more sense. They denied this and stuck to the story that it was mailed on XXXX XXXX, XXXX.
I just called Ocwen to resolve this issue and was told this is a requirement and I need to provide coverage from XXXX/XXXX/XXXX, although my loan was originated prior in XXXX XXXX and this was never required. I do n't know where they are getting this requirement but the property is already underwater, and this will be a financial hardship to force place lender insurance coverage for coverage I already have. The forced place insurance does not even cover what they are illegally asking me to provide for inside my unit. This is unfair, unaffordable and will cause me to fall behind on my mortgage payments and fall into foreclosure which I do not want to happen. Please help me get this resolved with Ocwen immediately.
|
| 05/11/2018 |
Yes |
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- Trouble during payment process
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Web |
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Ocwen services my grandparents mortgage. My grandparents are deceased. My grandfather died on XX/XX/XXXX and my grandmother died on XX/XX/XXXX. I am the executor of my grandmother 's estate ( she was the executor of my grandfather 's estate and when she died through Probate I was granted executorship over her estate ). I was granted ownership of the home through probate, which can be confirmed on the county records. I am also an authorized party on the account and I am in the process of assuming the mortgage from Ocwen.
I was impacted by Hurricane roof. I obtained roof and fence damage. A condition of assuming the mortgage was to obtain homeowner 's insurance in my name. I did and as a result was able to file a claim to cover the damages received. My homewoners insurance company disbursed two checks totaling {$6400.00} ( {$4100.00} roof ; {$2200.00} fence ). The checks were made out to me ( not my grandparents ) and Ocwen. I mailed the checks to Ocwen, which they received on XX/XX/XXXX and deposited on XX/XX/XXXX. Ocwen mailed a check to me and the Estate of my grandparents on XX/XX/XXXX. To no avail, I have been unsuccessful in cashing the checks because the checks are made out to my grandparents, whom are deceased and I do not have an estate account for both of them. As mentioned above, I am the executor of my grandmother 's account, but I am not my grandfathers because she was and I would have to go through the lengthy probate process again to become the executor of his estate.
I asked Ocwen to reissue the check in my name and they stated they could not because their is a lien on the property and I am not listed on the mortgage. This is disheartening because they should not have cashed my check considering I am not on the account. They stated they were able to deposit the check because I am authorized, which is even more disheartening that you would take my funds that were not made out to my grandparents, but will not distribute them solely to me when records indicate that I have made payments on the account, am an authorized party and am in the process of assuming the loan.
I was told my issue was escalated to Legal and my only recourse was to obtain a contractor to perform the work and Ocwen would issue funds directly to them. Again that's disheartening because Ocwen will issue funds to a 3rd party based off my permission, but will not issue the check to me. Not to mention, I have had more damage occur because of extensive rain, which means I have to get another quote and pay more money out of pocket because the contractor information I previously provided Ocwen is no longer valid because an updated quote is needed per the contractor.
The representative I have been working with at Ocwen is very understanding and helpful, but can only do so much within her control. I explained on numerous times that I was assuming the loan and was told to ask for the Assumption to be escalated, which again is disheartening considering both departments are with the same company. Why should an outsider have to ask for the assumption to be escalated when I'm working with two internal departments of the company. Clear example of lack of communication and effort between departments within the same company.
I am very disappointed. Ocwen should not have cashed my check if there was an issue with me not being on the mortgage. Even if they were on the check, the check was not made out to my grandparents and since I'm not on the lien they should not have cashed the check if they were not going to disburse funds to me. I don't know how long the process will take to assume the property. I have provided all documentation and it's in Ocwen 's court. This is poor servicing.
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| 03/08/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Chain 1 : Purported Note endorsement by the original lender, now bankrupted XXXX XXXX XXXX, to XXXX for further securitization into Structured Asset Mortgage Investment II Trust XX/XX/XXXX XXXX, where XXXX XXXX XXXX XXXX XXXX is Trustee.
Chain 2 : Purported Note assignment from XXXX to XXXX via XXXX signed by XXXX XXXX, who in XX/XX/XXXX ( seven months after servicing the Notice of Default to Homeowner ) assumed position with XXXX as Vice President of XXXX XXXX XXXX, which is a separate entity for the above Trust.
Chain 3 : Purported assignment of Deed of Trust from XXXX to XXXX on XX/XX/XXXX. The Assignment signed by Ocwen 's employee XXXX XXXX acting as " Assistant Secretary '' to XXXX.
Chain 4 : Assignment of Substitute Trustee executed on XX/XX/XXXX by Ocwen 's employee XXXX XXXX acting as " attorney-in-fact '' for XXXX and as Vice President for XXXX XXXX which was officially dissolved nine month prior to that day according to TX State Corporation Commission.
Chain 5 : Assignment of Substitute Trustee and removal of previously assigned substitute trustee executed on XX/XX/XXXX by XXXX XXXX, an employee of Ocwen, acting as " attorney-in-fact '' for XXXX.
Please note, that all transfers have been executed by Ocwen " on behalf '' of XXXX or XXXX.
However, XXXX never claimed to be the lender or owner of the mortgage loan. Furthermore, on XX/XX/XXXX I sent a written inquiry to XXXX ' Mortgage Back Securities ( XXXX ) Department via corporate website regarding status of my property. XXXX responded two days later informing that XXXX XXXX XXXX XXXX is the only servicer for all property belongs to XXXX 's trusts and that " XXXX XXXX is not an investor but a Trustee and therefore, does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc.
Deed of Trust as a contract between the Lender and Homeowner, indicates that, other than the original lender, the Lender is the entity that has purchased the Note, as the " Lender '' would be the same entity entitled to recovery from " Mortgage Insurance. '' Therefore, a true Lender must have an insurance policy written on Plaintiff 's property.
Therefore, I politely request CFPB to assist in my communication with the alleged Lender the XXXX XXXX XXXX XXXX XXXX in order to take clouds out of my title.
If XXXX claims to be a Lender or otherwise have standing in this matter, I request the following proof of ownership : 1. When and under what circumstances XXXX decided to acquire the Note of already defaulted loan.
2. Proof of valuable consideration paid to the XXXX in exchange for the Note if such payment has taken place.
3, Power of attorney or agency agreement appointing XXXX XXXX, Ocwen 's contract manager, as attorney-in-fact and duties delegeted.
4. Power of attorney or agency agreement appointing XXXX XXXX, Ocwen 's contract manager, as attorney-in-fact and duties delegated.
While there is no objection to an agent acting on behalf of its principal, basic agency law requires that the principal as the proper party be identified and that the agent be authorized to act pursuant to some type of power of attorney or agency agreement. Further, as the document appointing the substitute trustee is put to record, the recitations therein must be truthful and complete to ensure an unbroken and accurate chain of title. Clearly, if the representation is not true, then the document has no legal effect.
It is not now, nor has it ever been, the Homeowner 's intention to avoid paying any obligation that is lawfully owed. The same time, it is an obligation of the Homeowner to protect the title on his property from thieves and infringements.
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| 03/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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After a lengthy process to obtain a loan modification and completing trial payments by XX/XX/2017, I received correspondence from Ocwen saying I was delinquent and foreclosure was being initiated. I contacted Ocwen and through conversation determined that my loan modification was cancelled because I did not return the original signed document. It turned out that Ocwen had mailed my loan modification to an old address and not to the property where I reside. That package was sent in a way that did not trigger non-receipt or return the abandoned envelope which laid on the doorstep of a vacant home several states away for two months.
Agreement was gained to have Ocwen reship the document to the property for my signature. I received, signed and returned the packaged within two business days. I continued to make my monthly payment however they began getting returned to my account and no accepted.
I contacted Ocwen and learned that the booking of my signed document had to be tasked as an exception and that was not done my the last service representative. After much back and forth I requested my issue be escalated and was advised that Ocwen does not have an escalation process and the service representative was it. We agreed that they would enter the task for my modification to be booked and I would follow up in two weeks.
Payments still not being accepted, I called for my follow up and learned that I would need to follow up in three more weeks. I suddenly received the permanent modification countersigned by Ocwen in my mail. Thrilled, I followed up again and asked if I could tender all of the payments that had been returned and the past due amount was higher due to default fees.
I argued that I was never in default and that based on the circumstances notated in their servicing system the default fees should be reversed. The service representative agreed and entered a task for that to occur.
Again, my monthly payment was returned and again I received correspondence suggesting I was in foreclosure. I contacted Ocwen and it turned out my permanent modification, though counter signed and returned to me, had never been booked.
Feeling frustrated and helpless after 9 months of back and forth, I contacted the law firm listed on the foreclosure notices and was escalated to XXXX XXXX XXXX, XXXX. I shared the background as cited above and provided her accounting of my bank account with a building balance for all of the returned payments along with a copy of the fully countersigned permanent modification. My follow up with XXXX XXXX continued for several months with no outcome, only responses that she has escalated and is waiting to hear back.
In XX/XX/XXXX, I sent all of the returned payments in one check to Ocwen and notified the law firm that I was doing so. Ocwen returned the funds again.
XXXX XXXX, 2017 I received a notice of foreclosure again with a XX/XX/XXXX sale date. Mind you I have made payment each month that are all being returned and accumulating in my accounts still. I contacted XXXX XXXX asking for payment instructions so I could send the funds directly to the law firm. She responded with one line advising that XXXX XXXX would now be my contact. I reached out to XXXX XXXX requesting payment instructions and continue to wait even after several follow up attempts.
I have all payments.
I have the ability to pay.
I have a family in a family home.
Ocwen and their vendors are disorganized and disrespectful and have caused a great deal of pain and anguish that is unnecessary. Please help me to get this foreclosure date cancelled, my monies accepted and applied and full resolution brought to this matter so I can return to being a normal paying customer.
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| 05/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan Servicing LLC:1. Applied payments that we made to our mortgage balance. They have conducted an audit and all the payments made the payments still have not been applied. Arrearage payments are to be applied to the mortgage as well.
2. We have been charged interest on an incorrect mortgage balance due to payments not being applied.
3. We have been paying on an escrow agreement in XXXX XXXX - made by the previous loan servicer which is due to complete in XXXX XXXX. Ocwen is not honoring the agreement even though they have been accepting the payments since XXXX. I have personally discussed this with Ocwen in XXXX. I was told they saw the additional escrow, knew what it was for. I asked them if they were responsible for the entire loan including the history form Litton Loan Servicing and was told be the representative that they were and assured me everything was in order. From time to time Ocwen charges a late fee, in error, for a payment we sent on time. Maybe they 're attempting to add that - which would be wrong.
4. Ocwen was told that the balance was incorrect and asked them to investigate whether all payments had been applied. I was told all payments made to the mortgage were applied to the mortgage balance. All payments have been accepted, but not applied to the mortgage balance.
5 From the audit Ocwen performed per their XXXX XXXX Letter to us, it was discovered that all arrearage payments I made by the ch XXXX bankruptcy court were not applied to the mortgage balance. It was shown received, but not applied. It looks like they stole the money. Not applying it now is still a huge problem. It also made and is making us pay interest on an incorrect balance costing us to pay more money than we should. Is n't this against the law?
6. Payments in arrears were made to the account that were not applied to the mortgage and submitted to the chapter XXXX court in XXXX ( falsely ) as proof of a past due arrearage total. I have discovered proof after the XXXX XXXX letter. Ocwen audited the account in XXXX XXXX and should have applied the payments to the mortgage but did not.
7. Ocwen has claimed in the XXXX XXXX letter that we have a short fall of the agreement made in XXXX and needed to increase the mortgage balance or pay off the shortfall separately. Ocwen has provided no proof of missed payments ( month and year of each missed payment that resulted in the shortfall ). We would have had to miss XXXX payments in order for the amount they were requesting to be true. We wanted them to show what payments were missed, but they have not.
8.I was turned down for a business loan in XXXX because Ocwen reported to the credit bureau that I filed a chapter XXXX bankruptcy in XXXX. I disputed it and it was investigated. Ocwen responded to the credit bureau that their information was correct and it remained on my credit report. I called Ocwen and was told they did not report a bankruptcy so I reapplied for the business loan again in XXXX and was turned down because Ocwen reported a ch XXXX bankruptcy to the credit bureau. Ocwen denied it. Then approximately a month ago, Ocwen sent a letter stating that they have removed all notes regarding the bankruptcy. So they did n't tell the truth about not reporting false information to the credit bureau.
9.Other agencies need to know what happened, including the Chapter XXXX Bankruptcy Court XXXX As there are other violations, such as paying their bankruptcy attorney fees with money that should have been applied to the arrearage, late fee charges, increased the mortgage .... Ocwen audited the loan in XXXX. They saw it and did nothing to correct it. You ca n't just keep the money and make us pay for it all over again.
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| 10/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Complaint Office : CFPB-Mortgage Complaint This letter is my written response to the foreclosure documents received on XX/XX/XXXX. With my husband death I was unable to continue the mortgage on our home. I had fell behind but was able to catch up but soon feel again due to lack of income. In XX/XX/XXXX I contacted OCWEN to start Deed In-Liue process. I received a letter stating what information I would need to submit. I proceeded with the information to them. I respectively sent the following information per their request. Husbands death certificate, income verification and bills I was responsible for. After several months of contacting them, I was informed that my case would need to go to a review. I received another letter on XX/XX/XXXX informing me that OCWEN had sold my account to yet another firm. I then received yet another letter stating that PHH is my mortgage company now. After receiving my monthly statement from PHH I called them to inform them that I had started the Deed In-Lieu process with OCWEN. PHH informed me that they had no information passed on to them from OCWEN and that I would have to start the process all over again. I asked PHH to send me the forms that they needed completed for this process to start. I received yet another statement stating that my account has been put into Deed in Lieu. Thinking that all process was being taken, I received a letter from an attorney stating that my account is going to foreclosure. On the same date I received a certificated letter form the XXXX County courts that I was being sued. During the same week I received another statement from yet another firm. At this point there 3 to 4 firms involved with my account. There are so many different addresses and phone numbers I am not sure who to contact now.
In the court papers there was a letter stating that I could request a conference with the lender. As this date I am not sure who I am actually dealing with. My whole experience with this has been overwhelming. The following companies are under OCWEN.
OCWEN-XXXX XXXX XXXX XXXX, CA XXXX net address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX ( XXXX XXXX ) PHH-XXXX XXXX XXXX XXXX, IL XXXX / XXXX XXXX XXXX XXXX. XXXX, NJ XXXX- XXXX XXXX-C/O-PHH Mortgage Service- XXXX XXXX XXXX XXXX. XXXX, NJ XXXX-XXXX ( PHH Mortgage Services-XXXX XXXX XXXX Mail Stop : XXXX-XXXX. XXXX, NJ XXXX XXXX I have several documents but are unable to scan them in. If I could get an address, contact person I will glad to make copies of all and send it registered mail immediately. Thank you for your time and I appreciate any assistance you could help me with.
*XX/XX/XXXX-sent letter to PHH about Deed in Lieu after I found out that they had no prior info from OCWEN . ( Which they are a part of as well ) *XX/XX/XXXX-PHH-Statement- $ XXXX- ( Statement reads : You have agreed to the following loss mitigation program ; Deed IN Lieu *XX/XX/XXXX- PHH letter to inform us that my account has been forwarded to the Research Department *XX/XX/XXXX-Phh letter informing me that the research has been completed and that additional info is needed.
* XX/XX/XXXX- XXXX letter informing me that account has been turned over to an attorney.
* XX/XX/XXXX-Notice from Law firm.
*XX/XX/XXXX-XXXX-Statement- {$4900.00} ( statement reads : The first notice or filing required by applicable law for the foreclosure process has not been made *Dated XX/XX/XXXX-Summons from XXXX County Courts *XX/XX/XXXX-Statement- $ XXXX-statement reads-The first notice or filing required by applicable law for the foreclosure process has been made *XX/XX/XXXX- XXXX-Offering Deed in Lieu * XX/XX/XXXX-received letter from XXXX to obtain written requests.
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| 07/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I 've received a Mortgage modification in XXXX XXXX from Ocwen. The previous Mortgage Modification I had in XX/XX/XXXX was rescinded after paying on it for over a year. The XX/XX/XXXX Modification was canceled due to and error Ocwen made which put me into hellacious 3 year foreclosure process. After receiving the help of your organization ( CFPB ), the TN State Attorney General and my attorney, Ocwen resentfully gave me a new Modification in XX/XX/XXXX. After making several payments on my new XX/XX/XXXX Mortgage Mod, Ocwen rescinded it again. The reason Ocwen stated this time for rescinding the XX/XX/XXXX Mortgage Mod is a little complex. Let me explain. In XX/XX/XXXX me and my girlfriend bought our home. In XX/XX/XXXX the payments ballooned on us causing our payments to doubled which lead to a lot of financial stress and we split up. My Ex. moved out leaving me the home and she filed bankruptcy the same year. ( XXXX ) Since she was a co-owner of the home, Ocwen told me that she should have signed a quick-claim deed to take her name off as co-owner after filing for bankruptcy. Ocwen then told the TN Attorney General ( our mediator during this process ) that if they did n't rescind the Modification they could potentially face legal actions because they should n't have included her name on my new contract without a signed quick-claim deed. Now this was n't told to me in in XXXX but in XXXX. XXXX contracts and 7 years later! Since my ex-girlfriend was now marriage and lived out of town, Ocwen assured me that I would be giving ample time to find her and have her sign the QC-deed. The Attorney General also told me that once she signed the QC-deed that a new Modification would be giving to me with the same if not better rates and payments as the last Modification. The Attorney General himself fustated aswell with this second rescintion, asked one of his own staff member to find and call my ex and ask her to sign the deed to resolve this matter. She finally signed the QC-deed and it was sent to Ocwen. Ocwen then had me fill out another hardship approval form to see if I quality again for another Modification. This I did n't understand since I already had a Mortgage Modification for about a year before they canceled it due to their own admited error. On XXXX XXXX, Ocwen tried to gave me an Adjustable Rate Trial Period Plan with my ex name STILL was on the contract. After all the hassle Ocwen put me through by canceling my contract ; putting me in foreclosure and having me hunt down a now marriage women who lived out of town to sign a " supposedly necessary legal document, '' just to put her name right back of my new contract. This made no sense to me until I read previous illegal schemes on forums from past people whom fall prey to Ocwen tatics. The Trail Period Plan that Ocwen offered me would have changed my payment from XXXX a month to XXXX a month. My interest would go from 4.46 % fixed rate to 6.7 % adjustable rate with a cap off at 12.7 % and on the contract was a clause that states " This Trial Period Plan does n't guarantee you a Modification once completed. '' Needless to say I did n't sign it. Now Ocwen is restarting their foreclosure process. This rescinding of contracts only to force me into foreclosures and or raise rates on the next mod has become a pattern with Ocwen. I told the new Attorney General who took over my case for the prior one about Ocwen attempt to give me this bogus Trail Period Plan instead of a legitimate modification. The impression I got from my last conversation with this new Attorney General was that, although I 'm drowning in my mortgage dilemma and Ocwen throw a rope without pulling me ashore, A rope is better than a rock!
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| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX, 2021, I received a notice that my mortgage loan was being transferred to PHH Mortgage ( Ocwen Financial Corporation ), effective XXXX XXXX, 2021.
On XXXX XXXX, 2021, I received a letter from PHH Mortgage, the " Welcome to PHH Mortgage Services. '' Within this letter, which will be attached, PHH Mortgage states, As the new servicer of your mortgage account, we'll : Provide monthly statements Manager your escrow account for paying taxes and insurance, if applicable Send updated regarding the mortgage account Send year-end tax statement.
I've never been late with my Mortgage.
On XX/XX/, 2021, I received a notice from XXXX insurance that PHH Mortgage didn't pay my Hazard Insurance. I immediately went online and made the payment of {$1700.00}. I was notified that the payment would not be processed until the following day.
When I made the payment, and after speaking to the customer service representative at XXXX XXXX, I discovered that we had a lapse in insurance coverage. The XXXX XXXX customer service representative said they made several attempts to collect the premium from PHH Mortgage but were unsuccessful. The lapse in of coverage was from XXXX XXXX, 2021 to XXXX XXXX, 2021.
On XX/XX/2021, I reached out to PHH Mortgage to see : 1. Why they failed to make the insurance payment on time ; 2. Get reimbursed since I paid for the insurance out of my pocket ; 3. I also informed them that they were lucky that nothing happened to our home during this lapse.
After an hour or more of back and forth transfers between departments, PHH said they had to get approval to reimburse the insurance premium and said they would look into the issue.
On XX/XX/ 2021, I received a letter dated XXXX XXXX, 2021 ; In this letter, PHH Mortgage stated that due to a lapse in coverage, PHH was going to charge my account {$81.00}. I immediately reached out to PHH Mortgage, and after another hour or so, I spoke to the customer service rep, XXXXX who's id was XXXX. XXXX said he talked to my insurance company, and there was no lapse of coverage. XXXX advised that I would not be charged {$81.00} for PHH Morgage error.
On XXXX XXXX, 2021, I received a call from XXXX XXXX ; XXXX said that PHH Mortgage sent XXXX a {$1700.00} check, and since I had already made that payment, I would receive a refund check from XXXX.
On XX/XX/2021, I reached out to PHH Mortgage again ; this was because I received another letter stating that I would be charged {$81.00} for a lapse in coverage.
I once again spent hours on the phone with PHH Mortgage and was transferred back and forth. I spoke to another XXXXXX, ID XXXXXX, and XXXX ID XXXX, they both said they would look into this issue with the {$81.00} charge for the lapse in coverage because PHH Mortgage failed to make the payment on time.
On XX/XX/ 2021, I received an email from PHH Mortgage ( ERM Department ).
Dear, XXX Please be advised that the policy renewal was sent to you by the agent and the prior lender. The payment was received late, and there was a lapse of coverage from XXXX XXXX, 2021, to XX/XX/2021. PHH will not be able to waive the insurance premium in the amount of {$81.00}.
I called the number listed in the email and spent time on the phone with PHH Mortgage ; the supervisor said again that they would look into the matter and get back to me. Each time I spoke to the representatives at PHH Mortgage, I informed them that because they failed to make the insurance payment timely, they should eat the {$81.00} cost and call it a day.
On XX/XX/ 2021, I received a letter stating that PHH Mortage had charged my escrow account {$81.00} to cover the lapse in hazard insurance, and my monthly payment would increase.
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| 02/05/2017 |
Yes |
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- Settlement process and costs
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Web |
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Posted on XX/XX/XXXX by XXXX XXXX Does XXXX know that fabricating securities is a federal crime?
By the XXXX Those of us the foreclosure defense industry do n't experience much laughter. For hours each day we try to provide guidance to people who have been victimized by their servicer, attorney and/or the courts. Often, by the time they come to us, the homeowner is in emergency-mode.
Yesterday, we did have a good laugh. While doing some preliminary research on a " corrective '' Assignment of Deed of Trust, we did a little background on an employee at Ocwen who had signed the assignment. We discovered a profile for the document signer XXXX on the Linked-in website.
It appears that XXXX has been a Servicing Operations Specialist at Ocwen since XX/XX/XXXX. Located in XXXX, XXXX was looking for an, " entry level position that offers internal growth potential '' and requires that she, " be able to be a leader as well as follow instructions. '' It looks like she may have landed her dream job as a XXXX at Ocwen Loan Servicing. There is no doubt that she has job security in the burgeoning field of document fabrication, or that she can follow instructions by signing deceptive documents by the thousands.
According to her profile on Linked-in, XXXX says her current duties include, " Researching Mortgage Documents to verify a full Chain of Title is present. If it is not create the needed Documents ( sic ). Work from Excel Spread Sheet daily as well as several internal data programs. '' Is XXXX admitting on a public website that Ocwen Loan Servicing creates documents to create a " proper Chain of Title '' if there are errors?
It is fraudulent to recreate a chain of assignment with fabricated documents to create the appearance the current servicer has standing. As XXXX has repeatedly pointed out- copies of the note and assignment do n't document an actual transaction ( sale, transfer ) - they are nothing but window dressing to create the illusion an event occurred. Homeowners and their attorneys MUST obtain proof that a transaction actually occurred- not simply rely on documents that paint a story the service hopes to tell.
XXXX began her job at Ocwen during XXXX XXXX as a XXXX where she " helped '' homeowners with service issues. She is likely well versed in Ocwen 's documented practice of providing disinformation to ensure a default. Ocwen was recently forced to pony up {$30.00} million to resolve lawsuits that claimed it did n't properly include disclosures for loans it was servicing.
XXXX operates a side business called XXXX XXXX XXXX so she may have an eye for detail. Her background at XXXX XXXX through XXXX XXXX, opening boxes at a Target distribution warehouse and assembling bathroom cabinetry likely provided excellent preparation for her current duties analyzing complex securitizations, real estate documentation and verifying they are accurate.
In this case, the Deed of Trust XXXX XXXX XXXX signed is a complete sham and is referred to as a " corrective assignment '' in an attempt to perfect two incorrect assignments filed 3 and 5 years before. The document in question lists a bankrupt XXXX assigning the Note to XXXX. XXXX notarized signature witnesses a complete fictitious transaction.
Unfortunately for the homeowner who is a XXXX and the victim of these sham documents filed in the county records by Ocwen, he may become homeless unless he is able to find an attorney to stop this fraudulent foreclosure from proceeding. He served his country, is in poor health due to a dousing of Agent Orange, and his country does nothing to stop predatory servicers from taking advantage of our nation 's most vulnerable- our veterans, the elderly, and fami
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| 07/16/2015 |
Yes |
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- Credit decision / Underwriting
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Web |
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Please accept this as a formal complaint against Ocwen Loan Servicing , LLC for failure to abide by RESPA guidelines. It is unfair and deceptive practice of OCWEN to request all necessary the information for their investigation and to still have our compliant as an unresolved matter. The original submission of our complaint to Ocwen was on XXXX/XXXX/XXXX and Ocwen made the first day of the investigation, effective XX/XX/XXXX once it was taken over by a different department, Office of Consumer Ombudsman at Ocwen. It has now taken XXXX days and the issue is still unresolved. Under RESPA, an institution may be granted a XXXX day extension following the expiration of the first XXXX days after receiving the request. Please note my written request, per their instruction, was submitted XXXX/XXXX/XXXX ; as of today, XXXX/XXXX/XXXX, I have yet to receive a resolution from Ocwen. For your reference, please note the following : On XXXX XXXX, XXXX, I purchased a single family property located at : XXXX XXXX XXXX XXXX, CA XXXX, XXXX # XXXX with a first loan in the amount of {$430000.00} through XXXX XXXX XXXX Mortgage and a second loan with XXXX XXXX XXXX in the amount of {$100000.00}. Approximately XXXX month later after funding the loan, XXXX XXXX sold the servicing rights to XXXX Mortgage which was subsequently sold to GMAC in or around XX/XX/XXXX-XX/XX/XXXX. GMAC filed for bankruptcy and the remaining assets were acquired by Ocwen in or around XX/XX/XXXX-XX/XX/XXXX including my loan, account number # XXXX. On XXXX XXXX, XXXX, I short sold the property located at XXXX XXXX XXXX XXXX, CA XXXX ( Ocwen 's records show XXXX XXXX XXXX XXXX XXXX, CA XXXX, and should say " XXXX '' ) ; however, this did not report accurately on my credit report and it was found that as of XXXX XXXX, XXXX, the balance of the second loan is still reflected on my credit report. My wife and I are currently in the process of obtaining a full conditional approval for a mortgage loan through XXXX XXXX XXXX XXXX. Due to the fact that Ocwen is still on my credit report, we have not received the approval and this is negatively impacting my FICO score as the balance shows unpaid. I escalated the matter to Ocwen 's Office of the Consumer Ombudsman on XXXX/XXXX/XXXX and have provided all legal and recorded documentation indicating that as of XXXX/XXXX/XXXX I am no longer responsible for this property. A copy of The Substitute of Trustee & Deed of Full Reconveyance filed XXXX XXXX, XXXX with the County of XXXX XXXX by XXXX XXXX XXXX followed by the Full Reconveyance filed XXXX XXXX, XXXX with XXXX XXXX of XXXX XXXX by XXXX XXXX XXXX Mortgage have all been provided and are in possession of Ocwen. To help speed the resolution process, I also provided copies of the outgoing wire sent by the Title Company to GMAC, the escrow settlement statement and the short sale approval letters. I am respectfully requesting Ocwen to provide proof that the loan is no longer in my name, have their records updated accordingly and also this matter be reflected on my credit report, having it backdated to the respective XX/XX/XXXX timeframe. I have provided all the necessary documentation and more than complied with all their request. It is unfair to me and my family that this matter has not been resolved and that we continue to miss out on good opportunities to purchase a home. I kindly ask that you please hold Ocwen and its executive office accountable for their actions. This is clearly a violation of RESPA and TILA and unfortunately now find myself with no choice but to escalate this complaint through your regulatory agency, who has jurisdiction over RESPA matters. Thank you for your time and attention to this matter.
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| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 03/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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To Whom It May Concern, We have been fighting to save our homes for the past four years. It seems like it is a never-ending fight. The way it appears to us is the law is on our side, but the courts and the banks are not and continue to do what they want to do with no regard to the laws. We feel we must take every avenue we can and by doing so we must file this complaint against Ocwen Loan Servicing , LLC, herein referred to as Ocwen. Ocwen has refused to take the mandatory steps required under the Federal Truth in Lending Act, herein referred to as TILA. After a few of years of going back and forth with our servicers ( our loan has been switched quite a few times ) regarding the ownership of our loan, we decided to do some research on our own. During our research, our servicer had switched from another servicer to Ocwen. After sending the previous servicer numerous letters, we had to send Ocwen the same letters and we received just about the same result ... nothing. Ocwen to date has not addressed the Qualified Written Request, herein QWR, that we sent in its entirety. It pretty much ignored some requests and failed to provide other documentation requested. After more research and more frustration, on XXXX XXXX, 2015 we mailed to Ocwen a Notice to Rescind. The Notice of Rescission was mailed on XXXX XXXX, 2015 and received by Ocwen on XXXX XXXX, 2015. Ocwen has failed to take the necessary steps mandated by TILA. Pursuant to TILA, Ocwen should have taken the steps to unwind the transaction and provide us with a reconveyance or file a declaratory action against us within XXXX XXXX XXXX XXXX days after receiving the Notice of Rescission. Ocwen chose not to take any of those mandatory steps. Because Ocwen has failed to comply with the mandatory provisions under XXXX, they have waived any and all defenses to our Notice to Rescind. Once the twenty ( 20 ) day period has passed, the Notice of Rescission is no longer subject to attack. The facts are clear and undisputed. Our loan was rescinded and extinguished by operation of law on XXXX XXXX, 2015. Under TILA and Reg. Z, delivering notification to the person or address to which I have been directed to send payments constitutes delivery to the creditor or assignee. The Office Staff Commentary clearly indicates that a notice to an agent can suffice as notice to the principal. Rescission rights are equally enforceable against original creditors and assignees. As noted by the Official Staff Commentary, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded on perfected ''. The security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response of the notice. Also, strict construction of Reg. Z would indicate that the voiding be considered absolute and not subject to judicial modification. Operation of law is a way in which someone acquires certain rights automatically under the law, without taking individual action or being the subject of a court order. We have filed this complaint because of Ocwen 's clear and blatant disregard for the law. Because the rescission is suppose to be self-enforcing and because the deed of trust and loan are canceled and void by operation of law the date the rescission is mailed, Ocwen has no legal right to attempt to enforce a foreclosure and demand payment. Pursuant to XXXX, once the rescission has been mailed, we are no longer responsible for the debt or any finance charges. By filing this complaint, we are hoping that the CFPB will review this Complaint and take the necessary actions towards Ocwen for their violation of Federal Law and other State Laws.
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| 07/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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PHH MORTGAGE REPORTED ME LATE WHEN IT WAS NOT SUPPOSED TO. WHEN I CALLED THEM THEY STATED THEY DID NOT REPORT ME LATE BUT ON MY CREDIT REPORT ALL THREE AGENCY IT SHOWS LATE FOR THE MONTH OF XXXX. I INFORMED THEM THE GOVERNOR OF Maryland stated Gov. XXXX XXXX announced substantial economic relief on Friday for residents hurt financially by the challenges of the COVID-19 pandemic.
An executive order from the governor temporarily prohibits mortgage lenders from initiating the foreclosure process. Nearly 70 of the states banks and financial institutions have agreed to a program to provide a 90-day forbearance and deferral period on mortgages, he said.
During this period, no late fees will be charged, and there will be no negative reporting to credit bureaus. Residents must contact their lender to take advantage of this relief.
To avoid the serious health, welfare, and safety consequences that may result if Marylanders lose their housing as a result of COVID-19, it is necessary and reasonable to impose a moratorium on certain evictions and prevent the initiation of residential foreclosures, XXXX executive order reads in part.
The order expands to include industrial and commercial evictions and also prohibits the repossession of cars, trucks and mobile homes, XXXX said during Fridays news briefing.
XXXX office is also directing the Maryland commissioner of financial regulation to suspend certain lending limits for Maryland banks in some cases in an effort to make more credit available to struggling small businesses.
In addition, during this state of emergency, all executive state agencies will suspend debt collection activities.
Were going to continue to do everything that we possibly can to help get Marylanders through this, XXXX said.
He announced and signed an executive order last month that also protects renters from eviction, if they can demonstrate theyve lost income due to the coronavirus outbreak.
Gov. XXXX XXXX announced substantial economic relief on Friday for residents hurt financially by the challenges of the COVID-19 pandemic.
An executive order from the governor temporarily prohibits mortgage lenders from initiating the foreclosure process. Nearly 70 of the states banks and financial institutions have agreed to a program to provide a 90-day forbearance and deferral period on mortgages, he said.
During this period, no late fees will be charged, and there will be no negative reporting to credit bureaus. Residents must contact their lender to take advantage of this relief.
To avoid the serious health, welfare, and safety consequences that may result if Marylanders lose their housing as a result of COVID-19, it is necessary and reasonable to impose a moratorium on certain evictions and prevent the initiation of residential foreclosures, XXXX executive order reads in part.
The order expands to include industrial and commercial evictions and also prohibits the repossession of cars, trucks and mobile homes, XXXX said during Fridays news briefing.
XXXX office is also directing the Maryland commissioner of financial regulation to suspend certain lending limits for Maryland banks in some cases in an effort to make more credit available to struggling small businesses.
In addition, during this state of emergency, all executive state agencies will suspend debt collection activities.
Were going to continue to do everything that we possibly can to help get Marylanders through this, XXXX said.
He announced and signed an executive order last month that also protects renters from eviction, if they can demonstrate theyve lost income due to the coronavirus outbreak.
PHH claims they did not report me late and they did
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| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
Older American |
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my address is -- XXXX have filled out the form XXXX XXXX hope I do not loose it ....
I really need help ... Please do n't dismiss this ....
I am also trying to send the e-mails that I sent to XXXX and gmac for help they never a Previous messageNext messageBack to messages XXXX : XXXX XXXX XXXX XXXX CEOXXXX : PLEASE REVIEW CONTRACT : XXXX : XXXX XXXX XXXX XXXX CEO.XXXX : PLEASE REVIEW CONTRACT : XXXX XXXX XXXX/XXXX/XXXX send Bcc : XXXXXXXXXXXX XXXX XXXX, I have been trying to resolve this matter without fanfare, with no response from XXXX XXXX. I am forwarding the e-mail I sent to him months ago. I am not looking to cause any trouble, with so few job 's in the country. I just want to get to the bottom of this matter because I feel I paid nearly {$3000.00} more than I should have. I have an insurance paper that was left in my glove compartment which will state that. The sales man took my original paper 's that was the reason he ask me to leave them in the car.
Thanking you in advance for taking the time, XXXX XXXX From : XXXXXXXXXXXX Subject : FW : PLEASE REVIEW CONTRACT : Date : XXXX, XXXX XXXX XXXX XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : PLEASE REVIEW CONTRACT : Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX ; XXXX XXXX XXXX XXXX vin # XXXX My name is XXXX XXXX, I purchased a car from you XXXX XXXX A XXXX XXXX and I have been very pleased with the car, until I finally notice that I was paying {$20000.00} for the car which was a DEMO.
Before I moved to XXXX XXXX XXXX, Florida in XXXX I asked GMAC for a copy of the contract, in case you are wondering why I have not contacted you before now I had a XXXX XXXX, then XXXX XXXX then other problems that I wo n't bore you with.
A year ago I open the contract and could not believe what I was reading. Let me jump back for a minute when I purchase the car there was a dent on the door and was told that they would repair it. I was told by XXXX of your people a little fellow, to drop the car off the next day leave the papers in the glove compartment and the key under the mat, which I did. Three days later I called to see if car was ready the same person told me over the phone that it was. My niece drove me to pick up the car notice it was in the same spot I left it in and that the scrape on door was still there and the papers were no longer in the glove department.
When I took the car in to have the oil changed and when it was finish I asked how much did I owe and was told by I think his name was XXXX that I did not have a bill, I thought that it was a service you had awarded me for buying the car, and I thought this is really good for I am a person that has to pay for everything.
In XXXX XXXX after hurricane XXXX the company down sized and I was laid off, had to pay the payments with my unemployment benefit 's never knowing I had insurance for this. After my XXXX XXXX in XXXX and had no Idea how I would make payments, when a collector told me I had insurance. To make a long story short it took me what seem like forever to locate the contract I had asked for because I never unpacked my papers.
When I found the papers and saw a different name on the contract than the XXXX XXXX who sold me the demo at {$13.00}, and on the top of the papers the date was XXXX XXXX and a Global Protection Plan dated XXXX XXXX, XXXX I never agreed to any of the things except XXXX Insurance when I made the purchase.
We live in a Country where so many are going through hard times, people need their job 's, I want you to stay in business to accommodate your workers, and I wish you the very best, but I also wish myself the same, and at some time we must all stop people from dishonest agreements.
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : Ocwen Loan Servicing, LLCComplaint Description : Company declined to accept my mortgage payment. LOAN : XXXX I called OCWEN customer service and spoke with Agent XXXX. Since I always make sure payments are cleared from my account, I called OCWEN to confirm they received my monthly mortgage payment. Since I have had issues of this matter in the past with this company. Agent said, the company received payment from my bank on XXXX in the amount of {$4000.00}, but Company declined to accept my payment. I asked why, they said that the update shows there were XXXX declined payments for the last six months, so now they want me to send cashier check or make payments through XXXX XXXX.
I made a complaint about six months ago that the system they have is having issues in accepting payments online, but they replied that it was me that was inputting the information incorrectly ; I totally disagreed because I have XXXX accounts, and my other account I have no issues ; however, I decided to make this payment directly from my own personal bank account without using OCWEN online payment system needless to say I do n't trust. Even in those circumstances that we were back and forth trying to solve the issue of non-acceptance of payment by this company online service, I paid my full amount without being late within the 15 day grace period. Once I decided not to continue using their account online payment service, they were receiving the payments through my personal bank account online payment service and everything was fine. But my XXXX payment in the amount of {$4000.00} was not accepted by OCWEN ; agent said that payment has to be in the form of cashier check or XXXX XXXX or any type of certified funds. I explained the agent that I never received a letter of change of policy. Agent said that they mailed the letter with the explanation of the above mentioned changes on XXXX XXXX, 2015. They received the payment in the amount of {$4000.00} on XXXX XXXX, 2015 ; they agent said, and they have a change of policy on XXXX then XXXX is sent to me on XXXX. I questioned the agent, why did n't OCWEN notified me in advance of this change? At the writing of this complaint I still have n't received such letter which supposedly went out on XXXX XXXX, 2015. Does this company make changes and enforce them first then later on notifies clients?
Even though I strongly believe there 's something wrong with their online payment system, and I feel more comfortable making the payments from my bank account, why this company did n't accept my payment? Furthermore Online Banks do n't issue a check if funds are not there to substantiate a payment. It 's not like I am writing the check myself. It 's unfair that I was not notified at least a month in advance of policy changes here, now I am stuck with making payments and incurring extra costs to satisfy their choice of last minute policy change ; I tried at all costs to explain to the company that there 's something wrong with the online payment system. Even in those circumstances XXXX way or another I got my payments on time. I have a perfect credit, but I have been treated here like I am delinquent on my loan.
It 's very unfair OCWEN make chances and you does n't notify clients of changes in advance. Now I have to wait till the payment the OCWEN declined due to last minute change of policy is credited back to my account. It 's {$4000.00} dollars.
Your Desired Resolution : Why I have been penalized for six months to make payments only through certified checks or XXXX XXXX? I want to use my personal bank account online system to continue making payments.
|
| 08/15/2017 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I have been dealing with Ocwen since XX/XX/XXXX trying to get a deed in lieu. I found your information online about the lawsuit. I am currently going through a divorce and my ex-husband and I decided its best to go through the deed in lieu. We started the process in XX/XX/XXXX signed the documents and it was approved. In XX/XX/XXXX Ocwen did a home appraisal. We followed up with Ocwen monthly and the only answer we would get was that there was a delay. in XX/XX/XXXX we got paperwork stating that it was approved and that the house was to be vacant by XX/XX/XXXX. At that time the house was already vacant and our home owners insurance was canceled due to it being vacant. Ocwen said that would be fine that they covered the house through their own insurance. We did get our own hazardous insurance XX/XX/XXXX and Ocwen was not putting it in their system and I kept getting notices that the house was not covered and that is why there was another delay. Ocwen did not call in regards to this and when I called they said that they had all the paperwork they needed but I kept getting letters saying the house was not covered. In XX/XX/XXXX I called and fought with the insurance department of Ocwen and finally got the insurance information entered into their system. I call between every week to every 2 weeks to check on the status of the deed in lieu and I always get that there was a delay with the paperwork and that the attorneys are working on it. I never get a reason as to what the delay is. XX/XX/XXXX I get a call from Ocwen that they will have a notary contact me in regards to signing the paperwork. Later that day I get another phone call the appraisal ran out and that a new appraisal will need to be conducted prior to signing any documents. I called Ocwen on XX/XX/XXXX because I got another letter in the mail stating that we did not have significant hazardous insurance on the house and that it needed to cover the total cost of what is owned on the property. None of this was listed in any of the letters I received nor during the phone called. I also talked to the deed in lieu department and that stated that they would expedite the appraisal as nothing had been ordered at that time. I called again on XX/XX/XXXX and got same answer but this time they gave me an order number for requesting the appraisal. Order number XXXX. I called again on XX/XX/XXXX and still no appraisal had been order and they said that I would hear from the appraiser by the XX/XX/XXXX. I called Ocwen back on XX/XX/XXXX and they still had not ordered the appraisal. I then asked to speak to the supervisor ID # XXXX. By the afternoon of XX/XX/XXXX the contractor for the appraisal contacted me and we met that day and had the appraisal done. I have contacted the BBB in complaint as this has been 8 months that Ocwen has been delaying to complete the deed in Lieu assistance program when it should have only taken 90 days at the most. I am beyond frustrated and at my whits end as what to do to get this completed. I cant afford an attorney as I am already going through a lawyer for custody and child support and then for my divorce once the house is out of our name. if you have any advice as what we can do or should do. I just want this taken care of and no more delaying. I did call Ocwen back today and let them know that they appraisal was done on Friday XX/XX/XXXX they said it will take XX/XX/XXXX business days for them to get the documents and then it needs to be accepted and uploaded in their system. At that point their attorneys will begin preparing the mortgage documents to sign off on the house. i am still fighting with Ocwen to try and complete the deed in Lieu assistance program
|
| 12/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We have additional questions regarding Ocwen Loan Servicing response on CFPB complaint # XXXX. Please answer the following questions below honestly and under penalty of perjury! These questions are completely different!
1st, Ocwen attorney XXXX XXXX stated in the CFPB complaint mentioned above, that " as a starting point, there is no investigation and the fact that borrower submitted another frivolous complaint the CFPB under the auspices of the identified issue as trouble during payment process does not create convert this to a CFPB investigation ''. Now, is Ocwen and there attorney aware that the CFPB excepts complaints from consumers, reviews all the complaints ( investigates ) for any and all violations prior to initiating a criminal complaint as the CFPB and the S.E.C just to name a couple, has done against Ocwen in the past? Is Ocwen and there counsel aware that if the CFPB does not find any violations, the CFPB closes the complaint? Is Ocwen and their counsel aware that the CFPB has an obligation to except, investigate all complaints that may violate federal laws such as the Fair Credit reporting Act, 12 CFR along with mortgage servicing rules just to name a few prior to initiating a criminal complaint in federal court? Now, the CFPB notified us in the past that page 2 of the complaint section reflects underneath the trouble during payment process, that this section is for loan servicers, payment processing and escrow accounts and that we needed to check this section, is Ocwen and their counsel aware of this?
Is Ocwen and there counsel aware that there is NOT another section that deals with servicing issues and servicing requests? Now, Ocwen counsel also stated, " related to borrowers loan and it appears borrower simply wishes to harass Ocwen based on a personal dissatisfaction with a single credit reporting dispute that Ocwen resolved in a timely manner and consistent with applicable laws ''. Now, we are NOT harassing Ocwen, we want the truth and if Ocwen violated ANY laws, Ocwen must be held accountable for their actions! Furthermore ; Ocwen counsel said that there was a single credit dispute which means ( 1 ) dispute! Is Ocwen and their counsel aware that there has been multiple credit reporting disputes? Here are a couple of the CFPB disputes for your records, CFPB case # XXXX submitted on XX/XX/XXXX, CFPB case # XXXX which was submitted on XX/XX/XXXX and CFPB case # XXXX which was submitted on XX/XX/XXXX! Is Ocwen and their counsel aware that these complaints that we have filed for years do in fact fall under the CFPB jurisdiction??? As I stated in the previous complaint, response section, willfully knowing and providing a false statement to a federal agency is against the law and is un-ethical! Is Ocwen and their counsel aware that you just violated our laws by providing a false statement??? I also stated that the previous complaint needs to be sent to the FBI for investigation regarding willfully lying to a federal agency? I also feel that the Nevada State Bar needs to be informed of Ocwens counsel, providing a false statement to a federal agency! Now, why does Ocwen fail to report or report accurately when a dispute is going on? Does Ocwen feel that there policies are more important that consumer rights, our laws or what your company was required to do by being our mortgage servicer???
Now, is Ocwen and there counsel aware that Ocwen and the trustee ( XXXX XXXX XXXX ) must follow all the guidelines, rules, regulations regarding mortgage securitization, unlawful foreclosures ETC?
Lastly, I warned Ocwen to respond to my inquiries and not there counsel. With this being said, more complaints against Ocwen will occur!
|
| 10/31/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I already paid back all of the money he used to purchase my house and have proof of each payment by XXXX XXXX and other methods of payment but Ocwen Loan Servicing does not have record of any payment and they are trying to foreclose on my house.
This company is posing as a Loan Servicing company of an inexistent lender and they affirm now I owe money to them even when I have paid back all the money I used to purchase my house and the original company who signed on my note is no longer in business and filed for bankruptcy for more than a decade!
This company is trying to take advantage of this situation and wants me to continue making payments to them indefinitely. But they do not have legal standing on my property, and they have admitted this by letter, but they blatantly want me to continue giving them money and they are extorting me with taking my house away from me.
I have been trying to get an answer by letter from this company but they only respond with vague messages and do not admit I have sent all these payments from me. Instead, they make bigger their invoice every time with new fees. They are demanding more money from me but never provided me with the records of my payments and how they supposedly applied these payments to their so called debt. Also, they are extorting me because they have manufactured two different illegal and FRAUDULENT Transfers of Lien on my real estate property, my own house.
I have such documents in my possession and such fraudulent fabrications were made by this company for their benefit and against my interests in an attempt to claim benefits on the property in question. By making these assignments fraudulently, this company incurred in violations of local and state laws, clearly demonstrating the elements of a Texas slander of title claim : Publication or Utterance Falsity Malice These two fraudulent assignments include : A. Forged signatures of the individuals signing on behalf of the grantors, and forged signatures of the witnesses and the notaries ; B. Signatures of individuals signing as corporate officers for corporations that never employed them in any capacity even when original lender was defunct, dissolved by bankruptcy years prior to the assignments ; C. Purported effective dates years. I have evidence of this.
D. Assignments prepared on behalf of a grantor who had never himself acquired ownership of the mortgage and notes by a valid transfer, notarized by notaries who never witnessed the signatures that they notarized. These two assignments showed a transfer of interest from a company that is in one state but signed by an officer from a company in another state.
F. And the blatant and scandalous thing : This company manufactured the same Transfer of Lean twice. They fabricated two fraudulent documents. Not one but two! With total impudence and illegality, they registered with the government and stamped those documents with official seals from the states of Texas and Florida!
So, I need help to stop them because I have all the evidence in my possession but this company lies and nobody is making them responsible for racketeering activity according to RICO law and I do not know where to report this. Maybe the FBI and other agency but I am not sure about it. Also, their so called debt is officially in dispute under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ). But, they are breaking the law and enforcing collection activities before this matter is resolved without any respect to this law. Also they are sharing my personal information, such as address, social security number, etc. to third parties such as credit bureaus, collection agencies, etc.
PLEASE HELP ME!
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| 03/21/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We have been fighting with Ocwen for years. In 2017, Ocwen filed a suit to quiet title to our home in an effort to foreclose on our home. They did this at a time when I was debilitated by illness the entirety of 2017.
We were fighting them Pro Se. Because I was in and out of the hospital, I contacted Ocwen 's counsel, XXXX XXXX of XXXX XXXX. I informed her that my dad passed away and that I was unable to reply. She used this as an opportunity to file a motion for summary judgment without informing the Judge of why we could not reply.
We got a letter of notice to sell under power from Ocwen 's Counsel and a foreclosure letter. The foreclosure letter said we had 30 days to dispute it. We did and Ocwen foreclosed on our home anyway.
This is after the harassed us time and time again. The truth in lending disclosure was not the truth. We got an FHA Short refinance loan. To qualify for this loan we had to owe more on our home than it was worth. Unbeknownst to us, we did not qualify for this loan but they gave it to us anyway.
They performed 5 appraisals and only gave is a copy of one that stated our home was worth {$310000.00}.
The statements from XXXX prior to the refi showed our principal balance as {$250.00}, XXXX. So why did XXXX have the payoff amount for our loan as {$320.00}, XXXX?
Why did XXXX say that they paid XXXX {$320.00}, XXXX?
Because the Truth in lending disclosure gave us a loan that actually increased our payment and principal balance instead decreasing it as this was the reason we did the refinance, we should not be beholden to this.
What they did was strip our equity and left us in a worse position than what we were in, to begin with.
We requested a rescission and the accurate TIL disclosure had not been given to us prior to our request and therefore, we are not beholden to a loan that actually stole our equity and set us up to default so Ocwen could file an FHA claim in spite of us not being qualified for the loan.
Our loan is a violation of the False Claims Act and we want to file a Qui Tam action regarding this matter and we want the loan dissolved.
We have the GA Department of Banking and Finance working on Ocwen 's escrow violations and the FDIC are working on the fraudulent origination disclosures.
We were offered and accepted a loan with a principal reduction. Instead, they stole our many and increased the principal by {$32000.00}.
We did not qualify for an FHA short refinance. Our principal, as aforementioned was not more than our home was worth. However, XXXX and XXXX worked together to make it appears as if it was. They used our market price of appraisals as the loan amount instead of the principal.
The {$310000.00} which is a sum total made up of the original loan amount and the loans they paid off during the refi origination. It is also the amount they claimed our home was worth. While claiming our loan principal was {$320000.00}. These entities used fraud to make our loan fit into the FHA short refinance for people with negative equity. We were not but they wrote it us as such so they could take as much money as they could before forcing us into default, As a result, they would get our money, file a hud claim for a defaulted loan, then foreclose and take all the proceeds.
They did this in an effort to qualify us for a loan we did not qualify for to steal at least {$60000.00} of our equity. Then tacked on an extra {$32000.00} dollars onto our principal when they told us that we were having our principal reduced. Who would take out a loan to increase their debt with no gain? We were having financial problems, why would we set up a loan that would add to that problem not fix it?
|
| 10/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
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Web |
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I filed a rescission to my mortgage lender years ago, along with the XXXX screen shots that showed that my signature released the credit to the bank, the BANK WAS NOT THE LENDER I was! Henceforth they breached TILA, Truth in Lending Act. When the bank foreclosed, I supplied all internal documents and also showed that the banks never responded to any of my actions or my mortgage documents. Then in their eye 's, upon 90 day 's after I defaulted, the bank was paid 60x times the value by the insurance company! Yes, for each XXXX the bank got {>= $1,000,000}.
Rescission enforcement TILA and Reg Z Its effect is to immediately unencumber the property from any claims of lien or mortgage and any claim on the note which is void and must be returned marked " cancelled ''.
XXXX XXXX If the parties collecting or enforcing the loans really have a right to do so they may demonstrate that in court by filing a lawsuit to set aside the rescission based upon any factual grounds they wish to raise, applying the rules of the TILA statutory scheme for rescission. But if they do n't do that within 20 days they waive their defenses. AND if they do n't comply with TILA by returning the canceled note, filing a satisfaction of mortgage and returning all money paid by borrower, then they are barred from making even an unsecured claim for " damages. '' The action to enforce rescission would essentially consist of an allegation that the notice was sent, it has been more than 20 days since the notice was sent, and therefore the parties claiming to be creditors owe ( 1 ) return of canceled note, ( 2 ) filing a satisfaction of mortgage and ( 3 ) return of all money paid by borrower since the inception of the allegedLOANDescription XXXX XXXX contract. We will refuse to get into an argument about whether the rescission should have been sent. THAT is something that the parties would have had to allege in a lawsuit against the borrower ( s ) to set the rescission aside.
According to TILA, Reg Z and the XXXX Court ( XXXX decision ) the rescission IS effective ( by operation of law ) the moment it is put in XXXX Mail. The borrower does not have to be right to send it. THAT issue is left to theBANKSDescription : XXXX : XXXX and servicers to allege in a lawsuit to vacate the rescission. And they must do so within 20 days. All issues that are confusing everyone -- statute of limitations, purchase money first mortgage, etc. are questions of fact that need to be raised by the other side. They can not do so after 20 days. We would move to strike those defenses when raised in our lawsuit to enforce rescission.
There are dozens of lawyers across the country that agree with my interpretation of the TILA rescission statutes and who are filing these rescission enforcement actions. In some cases, XXXX has agreed that the rescission is effective and even agreed that the original payee was not the lender. That is an interesting juxtaposition of theories. Because if there was no funding by the payee on the note ( " lender '' ) then there is no loan contract. If there is no contract, there is nothing to rescind. But the rescission under TILA might still apply as to the note and mortgage and the right to obtain disgorgement of money paid by borrower might be partially blocked by the standard statute of limitations governing contract disputes or the statute regarding tort actions.
It sounds weird, I know. But the fact is that XXXX specifically decided that the act of the borrower in sending a notice of rescission cancels theLOANDescription : XXXX XXXX and Reg Z ( Federal Reserve ) says that by operation of law that means the note and mortgage become void as of the date of mailing.
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| 05/29/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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1 ). Applied/Approved for Traditional Mortgage in XXXX ( NEVER LATE ) XXXX XXXX Bank.
2 ). Convinced by Salesperson 10 years ago to re-finance to a 30 Year Interest Only ( Initial 10 Years Fixed Interest ) through IndyMac Bank3 ). Very Soon After, Market/Economy Crashed4 ). Attempted SEVERAL TIMES to re-finance BACK to a 30 Year Traditional Loan. Although my Credit Score was CONSISTENTLY over XXXX, IndyMac always seemed to have an excuse as to why they could n't refinance back to Traditional 30 Year Fixed Loan.
5 ). Without Initial Notice, Indymac Bank sold Mortgage to OCWEN.
6 ). Soon After Ocwen Purchase, I was Laid off from job & forced to change to new company with less income.
7 ). Worked with Not for Profit Federal Agencies to Submit Loan Modification Paperwork.
8 ). Although Federal Not for Profit Agencies INCLUDING Ocwen ( Mortgage Servicer for XXXX XXXX XXXX Mortgage ) Stated that according to information submitted, I would QUALIFY for Modification. After repeatedly having to re-submit the same paperwork OVER XXXX times to Ocwen, Ocwen later stated that Investor, XXXX XXXX XXXX, DECLINED Loan Modification because I was NOT OVER 90 Days Due. Ocwen stated that this was a XXXX XXXX XXXX Policy. XXXX XXXX XXXX also CAREFULLY verbally stated that they only consider Modification on Loans that are OVER 90 Days Due. Confused by their Oxymoron response, I submitted a Verbal & Written Request for them to put their ( 90 Day ) Explanation on paper. XXXX XXXX XXXX REFUSED to put their explanation statement on paper as I had requested.
9 ). In the same breath, XXXX XXXX XXXX stated that if I am over 90 days overdue, they can start Foreclosure Process. ( Oxymoron Statement at best ) XXXX ). On XXXX hand they will ONLY consider even looking at Modification paperwork to those who are OVER 90 Days Due on their Mortgage At the same time saying that if you are OVER 90Days due, they can start the foreclosure process unless I pay up to date all of the Months due??????
10 ). I am currently back at work STRUGGLING to catch up with ALL of my Bills. Continuing to try to AVOID going over 90 days.
11 ). Main Concern : In ADDITION to AVOID going over 90 days on the mortgage : Current XXXX XXXX XXXX XXXX CHANGES on XXXX, XXXX to an even more UNAFFORDABLE increasing interest loan.
PLEASE NOTE : It is now XXXX XXXX, XXXX I have owned this house since XXXX & HAVE NEVER BEEN late until recently. XXXX XXXX XXXX 's REFUSAL to Consider Modifying my Mortgage Loan to a Traditional AFFORDABLE 30 Year Fixed loan has put me & my Family in an Adverse Financial Position where I am now forced to struggle BEYOND My means, defaulting on certain credit cards & forced to becoming late with XXXX, Car Payments & other Obligations. Now more recently Also decaying my credit rating from a 25 Year Consistent EXCELLENT Score ( Over XXXX ) to a Current POOR XXXX Rating.
Throughout this entire ordeal, My Monthly Mortgage with escrow has JUMPED from {$1900.00} to {$3900.00}. ( Over 7 % Monthly Interest Loan ) I was told by an Ocwen Representative that when the loan changes in XXXX XXXX expect Increasing Interest with Principal & Escrow Due. My Loan can Increase ADDING an additional {$1800.00} Per Month over & above my Current Monthly due payment of {$3900.00}.
I had always considered myself a law abiding Tax Paying model citizen always paying bills & obligations on time & living within my means. This experience has left me feeling disenfranchised with a common sense solution being dangled in front of me as a carrot. I would embrace any assistance which would shed light of this challenge to a decision maker at XXXX XXXX XXXX XXXX help resolve it toward amicable solution.
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| 06/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Dear Sir/Madam, I have concluded an extensive investigation and analysis of various documents associated with my Loan and the purported transfers and assignments thereof. These documents include : the Trust Deed, Note, and relevant foreclosure documents.
I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of our Client 's property rights in relation to Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX.
As an additional matter, I am alarmed with the manner in which I have been treated by Ocwen Loan Servicing, LLP 'S representatives. OCWEN 's representatives have made blatant misrepresentations causing me serious damages, including the potential foreclosure of my home. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks.
There are many legal issues here ; ( 1 ) Here, there is a lack of clarity as to the identity of the real party in interest with the power to foreclose. I contend that through their own actions, none of the parties involved actually continued to hold valid standing to foreclose when the foreclosure occurred.
From the recorded documents I have retrieved it appears that XXXX XXXX XXXX , XXXX was the original Lender as of XXXX/XXXX/XXXX ( Exhibit " A '' ). However, the Notice of Default and Election to Sell Under Deed Of Trust recorded date XXXX/XXXX/XXXX ( Exhibit " B '' ) states that contact : C/O XXXX XXXX.
Then on XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX , XXXX Mortgage Loan Trust, Mortgage Pass-Through Certificates SEries XXXX was apparently assigned the Deed of Trust by XXXX ( Exhibit " C '' ).
Then a Substitution of Trustee was file on XXXX/XXXX/XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX , XXXX as a trustee under said Deed of Trust. sign by Ocwen Loan Servicing , LLC as Attorney in Fact.
Then a Notice of Trustee Sale, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibit " E '' ) was filed under the name of either XXXX XXXX XXXX , XXXX, as the only reference to the investor listed was the details of the original Deed of Trust 's recording information, or the apparently newly assigned investor, XXXX ''. Finally, the Assignment of Deed of Trust, dated XXXX/XXXX/XXXX cross out and and have another dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibit " F '' ) shows XXXX XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX , XXXX Mortgage Loan Trust, Mortgage Pass-Through Certificates SEries XXXX, as the new assignee of the Deed of Trust, Dated XXXX/XXXX/XXXX & recorded XXXX/XXXX/XXXX.
I did email their trustee fax to OCWEN and their trustee NOTICE OF INVALID INSTRUMENT ( S ) AND NOTICE TO CEASE AND DESIST and they continue to ignor my request. ( Exhibit " G '' ) Based on the above analysis, I contend that OCWEN has violated several recording laws and has fraudulently obtained loan documents and are attempting to foreclose on my property.
Moreover, I demand that OCWEN bring the Original Note to the undersigned so that I can analyze the Note for proper transferring signatures, dates, allonges, etc. As it stands now, it is clear that OCWEN does not have standing to bring this foreclosure action and OCWEN must promptly halt the foreclosure process.
Very Truly Yours, XXXX XXXX
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| 04/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I do NOT accept this response from OCWEN!
The issue is that the Relationship Manager acting as an official representative of OCWEN mislead and directly caused this situation and OCWEN designed their systems for XXXX Accountability.
The complaint is that misleading information and back dating the beginning date of a loan modification process has caused the loan to become over 90 days past due and therefore subject to not only foreclosure proceedings but also the refusal of OCWEN to accept monthly payments. Also, as a direct result of the actions of OCWEN employees there is now a lump sum due or acceptance into a high premium repayment schedule before monthly payments can resume. Both of these actions are a direct result of actions by OCWEN employees and the remedy should be to put the loan back to the original state before the loan modification process was started. This especially since I directly ask XXXX XXXX about breaching the 90 days deadline, I was assured to proceed that the documents were approved and the modification would be successful. At that point I also, inquired about the letter from OCWEN asking for letter of administration, power of attorney, or last will and testament, again was advised to proceed.
I informed XXXX XXXX over a year ago EXACTLY what documentation I possessed or could obtain and who I was in reference to the account holder. These statements from OCWEN saying I am now " not authorized on the account '' should have been clear at the very beginning when I first initiated communication with OCWEN ; further more OCWEN should never advised me to proceed due to my authorization or ability to obtain the required documentation to complete any modification. XXXX XXXX & the Underwriting Department reviewed the documents and ADVISED me to proceed with the modification. They reviewed and assured at least twice that my documents would suffice throughout the entirety of the modification. Every single time I was requested to supply a letter of administration, power of attorney, or last will and testament I questioned XXXX XXXX and several times was instructed to proceed! Even after XXXX XXXX & I received notice of ineligibility to assume the loan. XXXX XXXX advise that we would still be successful in the modification process, I asked for another review by his department and underwriting before initiating any process.
There is XXXX accountability for OCWEN 's representative misleading a consumer. The Ombudsman 's department directed me back to the same department/system I was calling to complain about! They say their relationship manager 's consultations may be recorded, so OCWEN provide all recordings for review!
OCWEN states so clearly and easily now the rules for authorization and documentation required for modification. Why was this information not so clearly defined and available in the very beginning when I ask XXXX XXXX to review the my documentation and distribute to all necessary departments for review prior to initiating any actions? XXXX XXXX & the underwriting department advised me to proceed! Its a very convenient mistake that only benefits OCWEN!
The only relief is to, as I stated in the beginning, is to put the loan back to it 's original XXXX 2014 status and let the monthly payments begin again. The lump sum is a direct result of actions by employees of OCWEN therefore the consumer should not be held liable for charges created by changing a date. I was told when to stop making payments to allow the loan modification to proceed and when I should start the new monthly payments. As a result of this information given directly to me by OCWEN employees the loan is in it 's current situation.
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| 09/27/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American |
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( Note : most of the actions below were taken through my attorney who is representing me in the foreclosure case ).
I have filed two previous CFPB complaints which pertained to my status on the loan. I signed the note as a borrower, however, PHH is refusing to grant me borrower status. While I have not yet been provided borrower status on the loan, PHH has agreed to provide me with non-borrowing spouse status. I have not conceded that this is my proper status and continue to assert that I am a borrower.
This CFPB Complaint is in reference to new servicing errors. On XX/XX/2022 I entered into a repayment plan with PHH Mortgage. The plan called for me to maintain my taxes and insurance and to make monthly payments in the amount of {$740.00} beginning on XX/XX/2022. The repayment plan agreement indicated that my payment should be sent to : PHH Mortgage Services Attention : Cash Department XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2022 I mailed check # XXXX to the address above in accordance with the terms of the repayment plan. On XX/XX/2022 I was told I needed to stop payment on that check and send a new check to a different address which was not included in the repayment plan agreement. Counsel for PHH advised me to send the check to : PHH Mortgage Services XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX I sent the new check to this address on XX/XX/XXXX. The check eventually cleared my account.
On XX/XX/2022 I was advised by the attorney for PHH that all checks must be sent to : PHH Mortgage XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Later that same date, the attorney for PHH advised me to send my payments to : PHH Mortgage Services AND Overnight to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Despite the confusion regarding the payment address, I did submit a payment for XXXXXXXX XXXX and for XX/XX/2022. Thereafter on XX/XX/2022, counsel for PHH filed a Notice of Readiness for Trial in the foreclosure case, asserting that the repayment plan had been breached. I reached out to counsel for Plaintiff and was advised that I had failed to maintain my flood insurance and, therefore, had breached the terms of the agreement. That same day, I provided evidence of flood insurance which indicated that my plan was current through XX/XX/2022 and that the plan had been paid in full. On XX/XX/2022 my attorney received an email asking me to coordinate a trial date, which she refused to do as we contend the repayment plan was never breached.
on XX/XX/2022 I received an email stating the the repayment plan had been reinstated, but providing no other explanation for why I was accused of breaching the plan.
On XX/XX/2022 counsel for Plaintiff filed an " Amended Answer '' and an additional " XXXX to XXXX '' which stated that the parties were engaged in loss mitigation and that there had been a prior " miscommunication between the parties '' which has been resolved. In fact, there was no miscommunication. I have at all times fully complied with the terms of the repayment plan, even when PHH has provided instructions for payment which were outside of the original agreement. The motions further sought to have the Notice of Readiness for Trial withdrawn.
On XX/XX/2022, a foreclosure trial was scheduled ( purportedly by the court ) for XX/XX/2022. I have since demanded that counsel for Plaintiff move to cancel the trial and am awaiting a response.
I also reached out to counsel for Plaintiff today to advise them that the check I issued for XXXX has not yet cleared my account. I'm concerned that the check may not be cashed, or may be returned to me, since Plaintiff erroneously breached the terms of the repayment plan earlier this month.
|
| 12/10/2015 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
I entered into a SAM with Ocwen in XXXX XXXX. In early XXXX I received a XXXX stating that Ocwen had cancelled the SAM Waiver amount of my loan. On XXXX XXXX, XXXX I had a call with my Customer Relationship Manager from Ocwen, which is noted in my file. I asked her XXXX - XXXX times to confirm that the XXXX was correct, and that the only principal that I am responsible to payoff is the interest bearing portion of principal of my loan. She confirmed this each time I asked her. So, based on this I borrowed funds and took our personal funds to fix up our home so that we could sell it for as much as possible. The house went on the market in XXXX, XXXX. By the end of XXXX we had a buyer. We went to close on the sale of our home at the Title company where the seller and his broker, my broker and the title company personnel moved forward to execute the closing. We had requested a payoff from Ocwen on the XXXX of XXXX. On the XXXX of XXXX at the Closing, we finally received the payoff quote from Ocwen. The payoff amount included the amount that the XXXX had reported as being cancelled! Obviously we could not close because this immediately put us underwater again by {$65000.00} plus the money we borrowed and invested to get to a sale. Ocwen continued to run us around their merry go round of departments - XXXX, Escalation, Payoff, and Research until the XXXX of XXXX. Their research department came back and stated that we were 3 days late on a payment in early XXXX and that this nullified the cancellation of the SAM principal. Out of XXXX payments made to Ocwen from the start of this SAM, there was XXXX payment made per month. The payment that they claim was 3 days late was mailed to them on the XXXX of XXXX, XXXX. It did not get processed by Ocwen until the XXXX of XXXX, XXXX - 36 days after it had been mailed to them. I was never notified that my SAM was cancelled. I was never given a new payment reflecting that the SAM was cancelled. My XXXX never advised me that the SAM was cancelled.
I have had to further reduce the price on my home with the XXXX buyer that we have been able to secure in order to keep him interested. My date that he walks away is XXXX XXXX, XXXX. We reviewed the CFPB suit filed in late XXXX against Ocwen and noticed immediately that the number one item that they were found guilty of was the POOR performance of their payment processing and all of the additional fees that this enabled them to collect. In our case it is over {$200000.00} for a 3 day delay. We are extremely underwater in this transaction and will probably be forced into a foreclosure basis if Ocwen is allowed to add the SAM waived principal back into the payoff. We have serious financial damages that have occurred and are continuing to occur because of our failure to close the sale of this home. Ocwen 's slogan of " Helping Homeowners Is What We Do '' is wrong! They do their Best to frustrate the homeowner in the hope that they will just go away and drop any further questioning on their behalf. I am confident that Ocwen took full tax advantage of the Cancellation of Debt in XXXX that they reported to me on the XXXX. There are probably other benefits that they have received by doing this also. Ocwen has Gained and We have been damaged severly by their actions to date, and stand to be further damaged financially if we have to let our home go into foreclosure. XXXX actions are NOT right and WE NEED YOUR HELP to help us with this mess! The XXXX suit against Ocwen clearly stated that they were Not to do this kind of action any longer, but they continue to be the Winner and the Consumer Continues to be the Damaged Loser when dealing with them. PLEASE HELP!!
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| 08/31/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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SENT OUT RESCISSION LETTER, CERTIFIED RECEIPT, SIGNATURE, TO ALL PARTY TO FRAUD TRANSACTION, LETTER WAS MAIL XXXX XXXX XXXX, NO RESPONSE OTHER THAN EMAIL FROM ATTORNEY 'S OFFICE. BELOW IS A COPY OF THE EMAIL. THESE ARE FRAUDULENT MERS/MERSCORP/MERS ANYTHING, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC, IS A COMPUTER. COMPUTER CANT HOLD REAL PROPERTY. BY LAW.
AS OF XXXX, XXXX XXXX. THEY HAVE NOT COMPLIED WITH THE LETTER OF LAW. THAT ALL MONEY COLLECTED, MADE IN CONFECTION BY THEM TO BE RETURNED XXXX US, ALONG WITH THE CANCELLATION NOTICE OF MORTGAGE AND NOTE. AT REGISTRY OF DEEDS OFFICE.
From : XXXXXXXXXXXX : XXXXXXXXXXXX : save important news ocwenDate : Mon, XXXX XXXX XXXX XXXX XXXX -- -- -- -- Original Message -- -- -- -- Subject : RE : URGENT!!! XXXX Files # : XXXX : Information & lt ; XXXXXXXXXXXX & gt ; Date : Mon, XXXX XXXX, XXXX XXXX -XXXXTo : XXXX XXXXXXXXXXXX XXXX File Number : XXXX is currently no sale scheduled for this property, the foreclosure sale that was schedule for XXXX XXXX, XXXX at XXXX, has beenCanceled by our office, we were told by OCWEN to stop any further and future actions on this property. That XXXX a XXXX XXXX, XXXX XXXX, had as of the XXXX XXXX XXXX, rescinded the mortgage contract and mortgage note. and that OCWEN LOAN SERVING, LLCHas accepted the rescission, along with XXXX XXXX XXXX, XXXX. AS TRUSTEE FOR GMACXXXX MORTGAGE LOAN TRUST XXXX. There will noFurther actions taken, NOW and in the FUTURE will be taken by either party on this property, because of the acceptances of both parties to theRescission of the loan contract, mortgage, and note, dated XXXX XXXX, XXXX. It has come to our attention that the loan contract, and mortgage, and mortgage note, has not been CONSUMMATED by the TRUE LENDER, THAT THE TRUE LENDER OF ANY AND ALL MONEY PAID TO ALL PARTY 'S TO THE MORTGAGE TRANSACTION, THAT WAS GIVEN TO CLOSING ATTORNEY, WAS NOT GMAC MORTGAGE CORP, GMAC MORTGAGE CORP did not fund the loan contract or mortgage, and the mortgage note. The Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq, enacted on XXXX XXXX, XXXX, as title I of the Consumer Credit Protection Act ( pub. L. 90-321 ). The TILA, implemented by Regulation Z ( 12 CFR 1026 ), became effective XXXX XXXX, XXXX it has come to our attention that the required DISCLOSUREWere never given to XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX , prior to and during or afterwards the closing date of XXXX XXXX, XXXX. By the properParties, and true lender or creditor of the mortgage contract, and note, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX. XXXX XXXX, MA XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXXXXXXXXXX job includes exceptional customer service. If you would like to comment on the service you have received, please email your feedback to XXXXXXXXXXXXFederal law requires us to advise you that communication with our office could be interpreted as an attempt to collect a debt and that any information obtained will be used for that purpose.
XXXX CONFIDENTIALITY NOTICE : This e-mail and the documents accompanying this transmission contain confidential information belonging to the sender which is legally privileged. The information is intended only for the use of the individuals or entities named above. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or the taking of any action in reliance on the contents of this e-mailed information is strictly prohibited. If you have received this e-mail in error, please immediately notify the sender by e-mail at the address above. The transmission is to be deleted and any items that may have been printed are to be destroyed. Thank you for your compliance.
|
| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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We had a mortgage loan with XXXX XXXX, fought for nearly 4 years ( serious stress! scandalous ways of this bank are too many to mention! ) Finally received the loan modification and made our trial payments and were accepted with final documentation. First loan payment at the new rate was to be XX/XX/XXXX. Than they did what they do best! They sold our loan to a new servicer XX/XX/XXXX. Meaning the first payment of our new loan modification was XX/XX/XXXX at the new rate. My husband not wanting this payment late sent the first payment to the prior Servicer of XXXX via XXXX to ensure it arrived asap that day. I was not happy, but thought no big deal that will be shown on our account and transferred with all our docs to the New Servicer, Ocwen Loan Servicing. I called within hours of that payment being made only to be told that XXXX received and accepted the payment, nothing more XXXX XXXX could do at this point. I called XXXX, they refused to speak to me as the loan is now in Ocwen 's hands. I called Ocwen, since this is a new loan in can take 20-30 business days for all documents to be transferred to the new servicer. They said, no problem it should post soon and we 'd be fine. They also confirmed that we 'd be fine with the loan modification docs. Come the middle of XX/XX/XXXX after many calls to check in they still did n't have our loan mod docs and we were getting calls asking for our monthly payment and foreclosure notices. I have over the last 4 years and 8 months spoke with well over 100 people, alot of them from XXXX that did nothing for me but get me so angry I could n't speak by the time I got off the phone. Hundreds of WASTED hours of talking to people, faxing documents, emailing and asking for my payment status, finally only until this year told I can talk to a supervisor after asking for years for my calls to be escalated to no avail! Then run around and around with so called 'research requests ' only to be told no payment here we sent it to you. Many confirmations via phone and documentation from XXXX XXXX that the $ was cashed and they have nothing to do with this until Ocwen initiates the transfer of money back to us. Ocwen says they sent it but never has provided any details, was it a check, what check #, was it cashed? when was it sent, was it XXXX XXXX? When was it sent, etc. NOTHING. Finally in XX/XX/XXXX got an escalation mgr to finally get our money they claimed they never had to be sent to XXXX XXXX back to us in XX/XX/XXXX. BUT, they refuse to admit ( and said so in writing ) that XXXX had it the whole time and they will not reverse the negative reporting, or give back the fees/costs or do anything more. If XXXX had it the whole time why did they give it back??? Got ahold of the Ombudsmen and it 's again being worked on someone who says they will get to the bottom of this and get back to me by XX/XX/XXXX. I WILL file suit, to get some recourse - if this sounds familiar and you want to contact me in regards to a class action I 'd be interesting in chatting, II know we are not the only ones dealing with this. They also have kept my unapplied funds over the last 4+ years when they were to return after 90 days and then decided once we paid the money they sent back to us that they would take all my unapplied funds and conveniently pay off all the illegal and invalid fees and costs they 've been charging to our account for years! I 'm over giving them chances and should have sued years ago! DO NOT GET YOUR MORTGAGE WITH OCWEN!!! They are horrible and the worst to deal with - very uneducated in the industry and unable to answer a question without having to read from their scripts that give you nothing!!!
|
| 02/10/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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I was approved for a HAMP Trial Period Plan on XXXX/XXXX/XXXX after appealing an earlier denial. The initial trial period payment of {$2100.00} was due by XXXX/XXXX/XXXX but was based on incorrect income information. I emailed Ocwen on XXXX/XXXX/XXXX regarding the payment amount and the calculation used. I contacted Ocwen on XXXX/XXXX/XXXX to check the status of my request and was told I needed to talk to my Relationship Manager. I scheduled an appointment with XXXX XXXX for XXXX/XXXX/XXXX and was told to email my information to XXXXXXXXXXXX for review. I emailed Ocwen my information and my questions but did not hear back from them. I called XXXX on XXXX/XXXX/XXXX for an update and he told me there was no update yet. He scheduled an appointment for XXXX/XXXX/XXXX and confirmed that I would not lose my HAMP eligibility while under review. I spoke with XXXX again on XXXX/XXXX/XXXX and he told me to send another email to XXXXXXXXXXXX and to contact him once I received a response from the underwriter. He confirmed that the HAMP plan was still active at that time as well. On XXXX/XXXX/XXXX I sent another email to XXXXXXXXXXXX and waited for a response. I received a letter in the mail dated XXXX/XXXX/XXXX indicating that I had been assigned a Relationship Manager, XXXX XXXX, who I had already spoken too. I then received a letter dated XXXX/XXXX/XXXX stating that Ocwen was unable to modify my loan under the HAMP program because I did not make all of my trial period payments in a timely manner and, as a result, defaulted on the trial period plan. The letter also stated that the XXXX evaluation was not the reason that I was not accepted for the HAMP and that the XXXX inputs were not subject to a dispute process. I contacted Ocwen on XXXX/XXXX/XXXX and spoke with someone named XXXX. I was told there was no update at this time and no follow up appointment was needed.
In XXXX XXXX I received a letter from Ocwen stating that I may still be able to avoid foreclosure. I contacted Ocwen and was told that I needed to submit a new application for a loan modification. I reluctantly submitted a new application and was offered a Shared Appreciation Modification ( SAM ) in XXXX XXXX. I appealed the decision to revoke the HAMP modification on XXXX/XXXX/XXXX and was informed by Ocwen in a letter dated on XXXX/XXXX/XXXX that they were unable to create a post-modification monthly mortgage payment of principal, interest, and taxes that was between 10 % and 55 % of my monthly gross income. The letter also stated that I was eligible for the SAM and must remit an initial payment of {$2100.00}, slightly higher than the HAMP payment of {$2100.00} that was the cause of my HAMP denial. I contacted Ocwen on XXXX/XXXX/XXXX and told them I would accept the SAM. I was afraid of losing the SAM, like I lost the HAMP.
I contacted Ocwen a couple of more times in XXXX XXXX requesting a review of my HAMP denial prior to executing the SAM, but did not receive a response. I reluctantly modified my loan in XXXX XXXX and have regretted it ever since. I requested a review again on XXXX/XXXX/XXXX and received a response the same day stating that I was ineligible for HAMP due to excessive forbearance and an inability to create an affordable payment equal to 31 % of my monthly gross income of {$5200.00}. With the forbearance cleared up and an increased income, I reapplied for the HAMP in XXXX XXXX but was denied in XXXX XXXX because I was not at risk of default. I contacted Ocwen in XXXX XXXX in a final attempt to have my file reviewed in its ' entirety and was told nothing more could be done. I decided to look for help outside of Ocwen and found the CFPB website.
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| 07/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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I have been working with Ocwen for over a year trying to get a short sale approved. My husband and I have separated and are divorcing so we are unable to keep the house. We also have a buyer for the house who has been hanging in there with us for the entire time. There are XXXX people on the loan, me, my husband, my husband 's son and my husband 's friend ; however, my husband and I were the only ones paying the mortgage. The other XXXX have been unemployed for several years. We have worked with Ocwen in good faith providing all of the documentation they have requested. We 've provided financial documents, a separation agreement, pay stubs, Social Security documentation, etc. Ocwen keeps telling us that FHA is denying our short sale requests. According to Ocwen, FHA has denied our request three times. Ocwen has given bogus reasons for the denials such as FHA wants the entire amount owed on the home which is ridiculous since we are underwater ; we 're not maintaining the home ( we are maintaining the home and we can provide proof of our utility payments, and we cut the grass ) ; since there are XXXX people on the loan why ca n't the other XXXX pay, ( XXXX of the XXXX is XXXX and the other just started working and does n't make enough money ) ; we 're not living in the home, etc. All of the excuses we 've received have come from Ocwen. We do n't have anything in writing from FHA, so Ocwen can and has been telling us what they want. I have previously contacted the XXXX but that did n't accomplish anything and last week, I contacted the XXXX XXXX XXXX XXXX XXXX. I have a ticket number and a representative that was assigned to my case. When I spoke to her, she was puzzled as to why we 're being denied and stated that she would send a message to Ocwen asking them why they are denying our short sale request. I informed her that all along Ocwen has been telling us that FHA is denying the short sale. She explained that FHA is the insurer and the short sale has to go through XXXX but Ocwen makes the decision. She also indicated that she only saw where the short sale request was submitted once. I do n't know whether or not Ocwen has responded to her inquiry. She indicated that she would call me when she received a response. I will call her tomorrow to check.
XXXX has been working with us to get this approved and and we have a point of contact. She has become increasingly frustrated with Ocwen. When she calls she has been unable to talk to a manager, she gets transferred all around, there is a language barrier that makes communication difficult, messages are n't returned, etc. She had a teleconference scheduled with Ocwen last week with our relationship manager, however, when Ocwen called her, it was a regular customer service representative who had no knowledge of anything. Ocwen keeps giving us the run around.
We just found out last week that Ocwen has scheduled our foreclosure for XXXX XXXX, 2016. I do n't think Ocwen has sent us anything in writing informing us of the foreclosure date. I think we found out from our XXXX XXXX.
Again, we have been trying to get a short sale approved for over a year. Our buyer even raised her offer price to match the appraisal amount. After their appraisal, Ocwen told me that FHA said that the home needed {$30000.00} worth of work. I challenged that and asked for a copy of the appraisal and Ocwen told me that I could n't get a copy. They said that FHA had paid for it and I could n't get a copy and if I wanted to challenge the appraisal, I had to pay for XXXX. Ocwen provides poor service and misleads them with false information. They do not work in good faith with consumers. Please help us.
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| 07/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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To Whom It May Concern, I am filing this Complaint against my alleged servicer Ocwen Loan Servicing , LLC, herein referred to as Ocwen, because it appears they believe they do not have to follow the laws and guidelines that have been put into place to protect homeowners against questionable practices that could lead to a wrongful foreclosure. For the past four years I have been fighting to save my home. I have had no luck with modifications after several attempts. They say one thing and then do another. After learning more about the unscrupulous practices by servicers over the past years, I decided to look into who owns my debt obligation. I have sent Ocwen numerous letters including a Qualified Written Request ( QWR ). In their responses to me, they have stated that XXXX as Trustee for XXXX-Through Certificates, Series XXXX, herein referred to as XXXX, owns my note. However, based on the California Supreme Court ruling XXXX. this past XXXX, there is no way XXXX can own my debt obligation or have standing to foreclose on my property. The Supreme Court stated that an assignment is void if the assignment that is used is dated outside the closing date of the Trust. In my case, the XXXX, Series XXXX, herein referred to as the XXXX Trust, had a closing date of on or about XXXX/XXXX/XXXX. The Assignment of Deed of Trust that XXXX claims an interest was executed on XXXX XXXX, XXXX, over 6 years after the XXXX Trust had closed. This is clearly fraud and a violation of the law. The Assignment is clearly void. As stated in XXXX, if a purported assignment necessary to the chain of title by which the foreclosing entity claims that power is absolutely void, meaning of no legal force or effect whatsoever, the foreclosing entity has acted without legal authority by pursing a trustee 's sale and such an unauthorized sale is a wrongful foreclosure. Unlike a voidable transaction, a void one can not be ratified or validated by the parties to it even if they so desire. It further states '' ... the borrower owes money not to the world at large but to a particular person or institution, and only the person or institution entitled to payment may enforce the debt by foreclosing on the security. It is no mere " procedural nicety '' from a contractual point of view, to insist that only those with authority to foreclose on a borrower be permitted to do so ''. Banks are neither private attorneys general nor bounty hunters, armed with a roving commission to seek out defaulting homeowners to take away their homes in satisfaction of some other bank 's deed of trust. Based on XXXX, I do not understand how XXXX can attempt to proceed with a foreclosure against my home when they lack the authority to do so. Furthermore, on XXXX XXXX, XXXX, I mailed to Ocwen a Notice to Rescind, cancelling my debt obligation. Ocwen received my Notice to Rescind on XXXX XXXX, XXXX. Ocwen failed to follow the mandatory steps required under the Federal Truth in Lending Act, herein referred to as TILA, within 20 days. In addition, Ocwen has violated the Fair Debt Collection Practice Act by attempting to collect on a debt on behalf of an entity that is not owed the debt. This is deemed a fraudulent act under FDCPA. Also in violation of the FDCPA, Ocwen acquired my loan after the loan was in default. Ocwen has clearing violated federal laws. I felt it necessary to file this complaint in regards to their blatant disregard for the law. I am looking to the CFPB for their assistance to make sure these violations do not go unnoticed and unpunished. I believe they should be ordered to cease and desist with any foreclosure activity currently pending on my property indefinitely.
|
| 01/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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I inquired XX/XX/XXXX about refinancing or obtaining a rate reduction on my current mortgage, which is serviced by Ocwen@9.75 % fixed rate. I was directed to file a mortgage assistance application and submit supporting documents. I did this, after which I was notified by the XXXX alerts that my mortgage terms had been changed and now being paid under a modified payment plan. I immediately contacted Ocwen, they stated that my account was approved for a trial modification. I stated at that time that I had not requested nor agreed to any changes to my mortgage terms. I asked that they immediately correct the credit reporting. I was told that this would be corrected. Since XXXX XXXX, I have been continuously contacting them to correct this reporting, it has now been reported as no payments have been made since XXXX. I have made every payment in full and on time. Ocwen has refused to apply my payments and remove the trial modification, which I never agreed to. Ocwen is stating that by filing a mortgage assistance application it automatically gives them authorization to make changes to my mortgage terms without my approval to such changes. Since I made my payment in full and on time, they are stating that means I have agreed. However, if I did n't make my payments I would be placed in default. I have spoken with XXXX XXXX XXXX, who has also spoken with Ocwen. Ocwen advised them that the corrections would be made and accurately reported. However, no changes have been made and Ocwen insists that they have the authority to modify the loan. They are stating that I have to send a written request asking them to cancel and remove the account from a modified payment plan. I disagree with this. Doing this allows them to keep the inaccurate information on my credit report which has cause severe damage to my credit score. It has impaired me from being able to refinance this loan with another institution. I have had this loan since XXXX XXXX and have never missed nor been late on a payment. I have tried every year since XX/XX/XXXX to refinance and have not been able to. I have never agreed to any changes, trial modification, nor permanent modification ; not verbally nor written. The only document I signed was the application for review. In which it states under the : BORROWER ACKNOWLEDGEMENT AND AGREEMENT Section XXXX XXXX XXXX. If I am eligible for assistance under MHA or any other mortgage relief program, and I accept and agree to all terms of any notice, plan, or agreement, I also agree that : a. The terms of this Acknowledgment and Agreement are incorporated into such notice, plan, or agreement by reference as if set forth therein in full.
b. My first timely payment, if required, following my Servicer 's determination and notification of my eligibility or prequalification for assistance will serve as my acceptance of the terms set forth in the notice, plan, or agreement sent to me.
c. The Servicer 's acceptance of any payments under the plan will not be a waiver of any acceleration of my loan or foreclosure action that has occurred and will not cure my default unless such payments are sufficient to completely cure my entire default under my loan.
d. Payments due under a trial period plan for a modification will contain escrow accounts. If I was not previously required to pay escrow amounts, and my trial period plan contains escrow amounts, I agree to the establishment of an escrow account and agree that any prior waiver is revoked. Payments due under a repayment plan or forbearance plan may or may not contain escrow amounts ; I agree to the establishment of an escrow account and agree that any prior escrow waiver is revoked.
|
| 03/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
The mortgage originated in XXXX with XXXX XXXX by XXXX XXXX. In XX/XX/XXXX the mortgage became quicken loans. From there they went through a multiple of mortgage companies ( 7 ) from countrywide, XXXX, and several others before becoming Ocwen. This caused multiple issues.
In XX/XX/XXXX the mortgage was modified Home Affordable Modification Program ( HAMP ) incentive during this time the mortgage company right to transfer/sell off to another mortgage was removed. The mortgage company can only transfer /sell off with court order or XXXX XXXX Approval which OCWEN approved. Then as PHH mortgage purchase/acquired OCWEN still responsible for following this agreement.
A letter was sent to OCWEN by certified mail in XX/XX/XXXX. This letter stated that any extra payment, funds, refunds and etc. would be applied to the principal for the entirety of the mortgage agreement.
At the end of XXXX over $ XXXX of extra payments were not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
In XX/XX/XXXX PHH mortgage purchase OCWEN mortgage and taking over all responsibilities, issues, and agreements.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
At the end of XXXX over $ XXXX of extra payment and $ XXXX escrow overpayment was not applied to the principal and not account for.
In XX/XX/XXXX PHH mortgage violated the agreement set forth during XX/XX/XXXX HAMP in which the mortgage company would have to XXXX XXXX approval or Courts approval to transfer or sell off. So, unless XXXX servicing purchased PHH mortgage then PHH mortgage violated the agreement and transfer/ Sale are null and void. Plus, PHH mortgage then committed identity theft by releasing XXXX XXXX personal information and Social Security without my approval. XXXX XXXX is also committed identity theft by not receiving preapproval to receive XXXX XXXX personal information and Social Security.
At this point PHH mortgage is missing $ XXXX in payments ( extra payments, escrow, interest ). This doesn't include the missing amount for lower payments should have occurred from XXXX to XXXX to XXXX to XXXX to XXXX to current which I am guessing is another couple {$1000.00}. Plus, I was never late on any payments.
As PHH mortgage purchase OCWEN they are responsible for everything all the way back to XXXX.
I have complained XXXX times about these issues by letter, e-mail, and phone with no response from either XXXX mortgage XXXX incentives of {$5000.00} on the sixth anniversary XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Payment was NEVER APPLIED.
Government Incentive for Customers in Good Standing of {$5000.00} was also never applied.
I contacted PHH mortgage both by phone and e-mail with no response. I also sent a letter which I waited 30 days with no response matter fact I have read your received response in 90 days from when the letter was sent. They only respond when consumer financial protection Bureau is involved.
At this point with the missing incentives and the missing payments we are now over {$30000.00}. At this point I am ready to contact prosecutors office and have PHH mortgage license revoked and embezzlement charges brought forth. Along with government fraud stealing government incentive.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
PHH mortgage services is a nightmare to deal with. I contacted PHH back in XXXX, regarding my loan. I was told at the time, and they have a recording of this, that my loan was ending, and the loan would roll into a 18 % interest rate and keep on going. I said fine.
I was sent a letter on XX/XX/XXXX, it stated that I would have to pay off the loan in total. I asked XXXX ( called PHH mortgage ), XXXX, and he said that not to worry, no more late notices would come to me and that they would not report anything bad on my credit. This phone call was recorded.
On XX/XX/XXXX, I started the refinance process with PHH mortgage and they were going to refinance the loan. I have my credit monitored and I noticed in XXXX, that PHH stated that my loan was 30 days late. I spoke with XXXX XXXX and he told me basically tough luck and that it was my fault, and he was going to do nothing and then hung up on me. I asked for his supervisor to call me and NEVER heard anything.
On XX/XX/XXXX, I sent a payment for {$150.00}, they returned the payment to me. On XX/XX/XXXX, they said that I owed XXXX, which are the payments for XXXX and XXXX. I called PHH again, and explained to the escalation desk that I tried to make a payment and PHH returned the money. They said they could not see anything on their system, and it was my problem.
My attorney sent a letter on XX/XX/XXXX addressing everything listed above and heard nothing back from PHH mortgage.
On XXXX XXXX, I received a letter from PHH mortgage stating that I owed XXXX, 3 months of payments of XXXX. I called the escalation desk and asked why are you sending me letters when I send payments in and they keep sending my payments back, they did not have an answer.
PHH was moving along in the process in the refinance process and thought everything was ok. I then received a certified letter from PHH saying that they would foreclose on the loan by XX/XX/XXXX if I did not pay the total amount. I then called PHH XXXX XXXX and wanted to know what was going on. I told him everything that happened and that I am confused, and he said, if I did not pay off the loan that they would foreclose on me. I have attached a document from PHH showing it is a 30-year mortgage which directly contradicts what they are saying. ( document PHH Payoff1 ). I then asked for a payoff statement. It took 1 week, and 7 phone calls and I spoke with the following people : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have spent 12 hours and 13 minutes on the phone with PHH. I paid the mortgage off on XX/XX/XXXX. I asked XXXX XXXX to call me because I have had so much trouble with PHH, I want to make sure they received the funds. My bank XXXX XXXX confirmed that they did receive it. I never heard from XXXX.
Since, I paid off the mortgage off I have received 2 phone calls from PHH demanding payment from me. I got extremely frustrated with them ( the 2 people, XXXX XXXX XXXX, and XXXX XXXX are the ones who called me ). I escalated this to their managers, and asked why I was being hassled by their people when I paid off the loan. They told me that they would continue to call till it was posted. I told them to take me off their list and they refused.
I want them to clear my credit, I was told in error, that my loan would roll over and that nothing would be reported to the credit bureau while I was refinancing the loan. There is also a document that shows the loan is 30 years, which contradicts their statement that is it only 15 years. I have been hung up on, they violated the debt collections act by calling me when I dont owe them anything, and they have refused to stop calling me.
|
| 03/25/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XX/XX/XXXX Qualified written request notice of error To : Ocwen Loan servicing From : XXXX, Ohio XXXX Confirm : Last S.S. XXXX Loan : XXXX Subject Property : XXXX, Ohio XXXX In XX/XX/XXXX into XX/XX/XXXX I ran into a financial burden as did the rest of the country. I filed for bankruptcy protection in the United States Bankruptcy Court XXXX Ohio XXXX see exhibit A.
1. On XX/XX/XXXX I entered into a reaffirmation agreement on the property located at XXXX, OH XXXX the current rate of 7.375 % was reduced to 5.25 % fixed rate with new payment of {$290.00} per month for 302 months see exhibit A.
2. Receiving bills from the original loan amount at the original interest rate original monthly payment from XXXX starting in XX/XX/XXXX through XX/XX/XXXX these monthly periodic bill statement were accurate to the original note not the reaffirmation agreement see exhibit XXXX to XXXX. This was a violation by XXXX according to 12 CFR 1026.41 12 CFR 1026.70 12 CFR 1024.35 also violation of the high-stakes bankruptcy code section 524 section 944 XXXX having not executed the reaffirmation agreement correctly and applying the lower interest rate XXXX prayed to collect discharged debt that XXXX was not entitled to see exhibits B see-through CXXXX.
3. On XX/XX/XXXX XXXX issued a transfer notice for my loan to be transferred to Ocwen loan servicing LLC see exhibit E.
4. On XX/XX/XXXX I received a transfer letter from a new loan servicer showing a principal balance of {$49000.00} with an interest rate of 7.375 % again this was the original note rate but now the statement also included an escrow balance for what was to be discovered force placed insurance by XXXX see exhibit E XXXX. I received a another statement on XX/XX/XXXX the statement again listed in correct interest rate of 7.375 % showing an escrow balance of {$1100.00} and now showing a post-petition past due amount of {$18000.00} see exhibit G. This is a violation of US bankruptcy code under section XXXX and XXXX the collection of any post-post-petition debt should be applied for confirmation of my plan with the execution of my degree rule XXXX. This closed my bankruptcy case XX/XX/XXXX at which any creditor that at the time questioned if owed any money had at a statute of 30 days to file a claim with the bankruptcy court for the amount the creditor thought was owed. Fact no creditor came forth the plan was confirmed and the decree and discharge was issued in XX/XX/XXXX.
6. On XX/XX/XXXX proximally a year and a half after the transfer letter I received a mortgage assistance letter referencing a relationship manager that had been assigned to my account contacted the relationship manager but never received a response and was ignored see exhibit H. By my point of contact not engaging in communications with me leaving me out in limbo on the status of my loan this was a violation of 12 CFR 1026.41, 1026.70, 1024.35, especially the rule 12 CFR 1024.40 which stipulates that a loan servicing company must they contact with the debtor and resolve any complaints.
7. On XX/XX/XXXX I received a letter from the loan servicing company informing me the placement of a forced place insurance policy on my property again this letter was dated XX/XX/XXXX see exhibit I. This letter was in violation of 12 CFR 10 2437 on the grounds that this was the only those that I received about the force placed insurance being placed on my property.
8. Shortly after I received a copy of the policy with an effective date XX/XX/XXXX through XX/XX/XXXX this policy was placed on my property approximately five months prior to the notification letter I received on XX/XX/XXXX see exhibit J. This is plainly a
|
| 08/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
For over two years Ocwen Loan Servicing has being trying to foreclose on my property pretending to be a servicer. Original lender XXXX become bankrupt in XXXX.The original servicer American Home Mortgage and XXXX affiliated companies filed for bankruptcy on XXXX XXXX, XXXX. The original Note was satisfied and destroyed during bankruptcy proceeding. The mortgage servicing division of American Home Mortgage was eventually sold to XXXX XXXX XXXX who kept the name of his acquiring company very similar : American Home Mortgage Servicing , Inc. and later changed to Homeward Residential in light of class A action lawsuit and numerous complaints and litigations.
On XXXX XXXX, XXXX, Homeward Residential was sold to Ocwen Loan Servicing LLC according to SEC report. Thus Ocwen acquired only a computer record of subject loan which was not deleted along with DOT and Note. When Ocwen sent me a loan servicing note, I requested proof of service, but the request was ignored. I never made a payment to Ocwen. Ocwen is trying to collect payments for paid off obligation as it has been done by previous servicer Homeward Residential. So, Ocwen fabricated phantom obligations by borrowing names of XXXX and MERS and Ocwen employees signed false assignments on behalf of those entities.
Two assignment recorded with Circuit Court were fraudulently prepared, signed, and notarized by Ocwen 's employee, which is subject to criminal investigation for conspiracy and mail fraud ( XXXX. ) Now, when their attempt to foreclose failed because of several lawsuits I have filed against Ocwen, they found another foreclosure mill XXXX XXXX XXXX XXXX VA Beach ( XXXX ) who sent a letter on XXXX XXXX, XXXX informing that my property was placed for foreclosure with their firm. I sent them two times Notice of Dispute and Demand for Validation and Proof of Claim. After the second request I received a letter saying that my creditor XXXX Company ( see attached ). No substitute trustee assignment is recorded as of today, giving XXXX XXXX XXXX right of substitute trustee, therefore they violate Fair Debt Collection Practice Act pretending to be a debt collector in my case. I know that Ocwen hired that company to foreclose on my property. Ocwen and XXXX XXXX XXXX are old time cronies. Both were mentioned in XXXX County, FL, Investigation Report. Examination of County records from XXXX XXXX, XXXX to XXXX XXXX, XXXX was conducted by XXXX XXXX XXXX, XXXX XXXX TX and issued on XXXX XXXX, XXXX.
Investigators have found and published XXXX legal instruments fabricated, signed, notarized, and recorded by Ocwen 's employee.
The report also indicated that XXXX XXXX XXXX XXXX have initiated XXXX sales in the County by presenting a fabricated Certificate of Title and Assignment. Investigators concluded that " It is highly likely that the promissory note offered in the case will reflect manufactured endorsement stamps or note allonges ( XXXX ).
Ocwen sent me a letter dated XXXX XXXX suggesting to modify my loan to avoid foreclosure. I know they ca n't modify the loan that has broken chain of title and no lender. I do not mind to modify my loan and pay to any legitimate lender who has legal right an interest in that property. Five days I called Ocwen to request a modification package and left a message. Nobody called me back. I suspect Ocwen sent that letter to obey the law, but has no intention to modify my loan as it has nothing to do with it. Please help me to get modification package and start the process ASAP.
I wonder why in our country white collar licensed attorneys-crooks have no worry of being caught and punished, habitually ignoring and knowingly violating law.
|
| 10/06/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Eight years ago my husband XXXX After his XXXX I called the mortgage company to let them know and to take over the house payments. The company said that they could not talk to me and proceeded to never discuss the home with me. I wrote them letters, and I called and never received a clear understanding of why they could/would not talk to me. I was legally married to my husband at the time of his XXXX and live in a state where this provides me a particular set of rights.
Now, after almost nine years, I have not been able to resolve the issue with the house, which has been difficult for me. I have maintained the house, paid utility bills, home owners insurance, and property taxes. I am writing this complaint in hopes that I can resolve this issue and bring some closure to my husbands untimely XXXX.
My issue is with Ocwen. Ocwen is a debt collector that is seeking to collect debt on the house. They have contacted me for several years attempting to foreclose the home, but they have not been successful. They constantly rotate between their predatory practices and authorize predatory practices with other companies ( probably companies they own ), XXXX and XXXX. After thwarting an illegal eviction by an XXXX vendor, who claims to have been authorized by Ocwen, I have been trying to work with Ocwen to complete a short sale of the property to settle the alleged debt.
The short sale process has been difficult for many reasons. They initiated this short sale proposal, but it is challenging to communicate with them. I have been talking to an Ocwen employee who says his name is XXXX. He contacted me sometime in early XXXX. He proposed that I do a short sale to resolve this situation. At the time, I felt that it was a good proposal. I followed his instructions, which were to fax an authorization letter to them that would allow a real estate agent to talk with them in order to sell the house. I found a realtor and faxed a letter of authorization on XXXX XXXX, 2017. The realtor called them to start the process, and Ocwen said that they had no record of an authorization letter and could not talk to the realtor. I called XXXX, but he did not call me back until a couple of weeks later. When he called, he said that he had not seen an authorization letter, but he would investigate and get back with me. He also said that I needed to also have an authorization letter that proves that I am who I say I am in order to sell the house to resolve this situation. However, that is a very late request considering they have sent me pounds of paper without confirming my identity.
This exchange of paperwork without a clear understanding of the process shows that Ocwen is continuing to privilege their predatory practices. If they want to complete the short sale ( with their offer of an 80/20 split on the sale to bring the alleged debt to a close ), I want to see the documentation and authorization from them that brings a legal closure to this long, grief-filled set of encounters with Ocwen, and presumably their subsidiaries or partners, XXXX and XXXX.
I processed a complaint on XXXX, whose dishonest response tries to paint themselves as preservationists. It is believed they have placed the home on a black-market type site that asks that no one disturbs me as they run a buy-at-your-own-risk operation. They all work together to create what seems to be a black market that preys on homes that they believe belong to less educated American citizens with lower socioeconomic statuses. They represent what is wrong with the housing market in our American culture that cultivates an illusion of equitable access and protection for homeowners.
.
|
| 10/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
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My complaint is about OCWEN Loan Servicing , LLC . I have a scheduled foreclosure for Tues XX/XX/XXXX and I have written OCWEN, the CFPB, and OCWEN 'S attorneys asking to have the foreclosure cancelled with no response.
I have an outstanding loan mod/offer to OCWEN to settle this case which has gone on nearly 10 years. It began with XXXX, then XXXX, then BAC, then XXXX, and now OCWEN. I have been to federal court twice. I have filed XXXX injunctions stopping foreclosures. I have had Servicers try to foreclose when they held my money in suspense acccouts and abused escrow accountI have had them lose {$120000.00}. Finally OCWEN had to recognie and pay back about {$32000.00}, leaving me {$90000.00} short of what I paid. I have had late fees placed on non late payments, I have not been reimbursed for tax payments, I have had XXXX liens placed on my property because OCWEN negligently forgot to pay property taxes so I had to pay to get rid of liens, extra costs and expenses. I have had natural and man made disasters occur on the property but received no help or FC mitigation from OCWEN. I have filed other CFPB complaints which I incorporate here but OCWEN will not answer questions about robosigning, dual tracking, mystery fees, environmental problems with the property, I have had them violate TILA, RESPA, FDCPA, the XXXX requirements and the XXXX consent orders. I have suffered all of the issues that OCWEN has been charged with repeatedly over and over.OCWEN 's only responses to me are to send my Note which is not indorsed to anyone after 10 tries, my Note and Deed which call XXXX the lender but XXXX was dissolved as a corporation in XX/XX/XXXX and did not have a broker or lender 's license when the mortgage was closed XX/XX/XXXX.
Now in Ga there are new cases that state that a homeowner has standing to challenge anything and anyone who clouds the title to the property. Since I have a lender who is a pretend ender, and assignments based off the void transaction from the pretender lender meaning no one has any secured interest but me through the warranty deed, I would think OCWEN would want to negotiate and deal with the robosigning, dual tracking and other violations in their awful record keeping and incorrect periodic statemenets.
Perhaps the CFPB can wake them up before I have to resort to a QT action and take the property free and clear.
Please stop the foreclosure scheduled for tomorrow XX/XX/XXXX.
In support of my summary of claims I have attached a letter and exhibits I sent OCWEN 'S attorneys XXXX XXXX XXXX in XXXX, the scheduled FC page as of today, the XXXX v. XXXX case I referneced, and a number of pages from the XXXX for XXXX pass through certificates XX/XX/XXXX-XXXX, noting the proper procedure, following the PSA, noting environental problems on property, restrictions on servicers, warnings about seervicer abuses of borrowers, how the tranches work, how payments work from servicer to primary servicer or the trustee, the serious penalties for violation of trust agreements, PSA, REMIC tax laws, improper handling of mortgages in REMIC pools of mortgages and so forth. Maybe the CFPB can investigate and talk some sense into a rogue servicer before they have to give up this property and allow me to exercise a right of redemption and get the property and all the money I paid already. Please see attachments re letter to attys and exhibits, some of which have been sent to CFPB, info on pretender lender, listing of numerous violations of CFPB enforced laws and regs, and operating without any common sense like we are all fools and despite what it has cost them they do not stop abusing homeowners. Thank you
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| 04/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom It May Concern, for years we have been trying to modify our loan. After years of being frustrated, we consulted with an attorney to find out if Ocwen Loan Ser vicing, LLC, herein after referred to as Ocwen, is ev en the entity we are suppose to be dealing with and/or if XXXX XXXX XXXX XXXX XXXX XXXX , hereinafter referred to as XXXX , and/or Ocwen is the act ual entity or entities that have the authority to negotiate our loan. Our main problem is that we have not been table to obtain information that we can trust as to who actually has the rights on our loan. The information provided to us by Ocwen does not demonst rate or evidence a clear chain of title to XXXX nor does it match up to the recorded chain of title in the XXXX XXXX XXXX 's XXXX . The servicing of our loan has not always been with Ocwen. Ocwen received the servicing of our loan after our loan was in default. We believe Ocwen is attempting to collect on a debt that they do not have the authority to collect on and they have falsely represented the character, amount, and legal status of the debt. We also believe that since XXXX recorded their alleged interest in our alleged debt obligation after the alleged debt obligation was already in default, they, too, are nothing more than a debt collector themselves. Based on information and belief, XXXX is not our creditor but a debt collector based on the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA. We are filing this complaint agains t Ocwen becau se we believe their continuous efforts to collect a debt and attempts to foreclosure on our property is in violation of the FDCP A, specifically 15 U.S.C. section 1692f ( 6 ) A which states that a debt collector may not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possessio n of the property claimed as collateral through an enforceable security interest. They are presently trying to take a nonjudicial action on XXXX XXXX , XXXX . Under the FDCPA a debt collec t may not use unfair or unconscionable means to collect or attempt to collect a debt. Although we presently have a federal lawsuit against Ocwen and have alleged FDCPA violations, Ocwen is still attempting to proceed with a nonjudicial foreclosure. As defined by the FDCPA, Ocwen is a debt collector. As defined by t he FDCPA, XXXX is a debt collector and not a creditor. XXXX can not be a debt collector and a creditor. Only a creditor has the right to enforce a debt. XXXX is not the beneficiary of the debt obligation as claimed. The real creditor is actually unknown to us at this time. We have been informed that a debt collector must prove that we owe the debt and Ocwen a nd XXXX have failed to do that. They can not supply us with copies of documents that are not admissible evidence and believe we are to take the information they give us without adequate suppo rt. Ocwen an d XXXX have failed to demonstrate the money trail to this alleged beneficiary. Furthermore, as a debt collector, Ocwen and XXXX have failed to prove their relationship to the lender. My Deed of Trust says that it is the lender who has the power to do whatever it is he has the power to do within t he four corners of the contract. There is no documentation that evidences that Ocwen is now acting on behalf of the lender. We are filing this complaint with the CFPB because Ocwen and XXXX are blatantly disregarding the law. If we do nothing they will wrongfully and fraudulently take our property and continue to disregard the law. Thank you, XXXX and XXXX XXXX
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| 05/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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THIS COMPLAINT IS ABOUT XXXX XXXX USING FORGED LOAN ASSIGNMENTS AS PROOF OF OWNING MY RENTAL HOME, TO TRY TO ILLEGALLY EVICT MY FAMILY -- COSTING ME ALMOST $ 100k 1 ) I am a renter with a long term lease. My family moved into the home XX/XX/XXXX 2 ) XXXX XXXX filed an eviction against me about XX/XX/XXXX, and XX/XX/XXXX. They claimed they foreclosed in XX/XX/XXXX.
3 ) XXXX XXXX dismissed their first eviction, after I replied with my lease.
4 ) XXXX XXXX filed their second eviction, after I wrote them a letter informing them they did not have the entire house in their name, and it has extensive geological issues rendering it a " danger to life and limb ''.
5 ) Throughout, XXXX XXXX persisted in trying to sell the home, despite being aware of the extensive Geological issues, dangerous mold, and a rat infestation, among other issues.
6 ) I had reason to believe the loan assignments to XXXX XXXX were forged, and as a result XXXX XXXX did not actually have any interest in the house at all ( so then neither does their agent OCWEN. ) 7 ) Namely, the first assignment to XXXX XXXX was 3 years too late, and was signed by " XXXX XXXX '' -- who the first National Mortgage Settlement acknowledges did not exist and is a forgery. All assignments with XXXX XXXX and from XXXX are forged, and not authentic.
8 ) If the assignment is fake, XXXX XXXX as the trustee of a trust ( not a direct lender ) can not possibly have an actual interest of any kind in my rental home.
9 ) Since XXXX XXXX 's assignment is fake, they do not actually have standing ( the right ) to evict my family.
10 ) My attorney asked to depose XXXX XXXX 's person most knowledgeable ( PMK ), to their attorneys XXXX XXXX XXXX XXXX XXXX, to get discovery on this issue.
11 ) XXXX XXXX continued to put off the PMK deposition. My attorney forced the issue.
12 ) A substitution of attorney was then signed, subbing in XXXX XXXX XXXX. The Substitution was signed by OCWEN, not XXXX XXXX.
13 ) XXXX XXXX via their attorneys XXXX XXXX XXXX, persisted in avoiding the deposition and hearing for more than three years!!
14 ) A deposition with XXXX XXXX 's PMK ( from OCWEN ) was held in Spring XX/XX/XXXX. OCWEN stated they were operating under the authority of XXXX XXXX.
15 ) OCWEN could not describe exactly how they ( supposedly ) got the loan.
16 ) OCWEN was unable to prove ownership of the loan or the house.
17 ) My attorneys requested additional discovery, for XXXX XXXX to prove my house was in the trust XXXX XXXX claimed to be the Trustee of. If it was not, XXXX XXXX had no standing in my house and therefore no client, no right to foreclose and no right to evict.
18 ) XXXX XXXX was unable to provide any proof my rental house is in the trust they claim an interest in the house in, or that they have any client. In other words -- XXXX XXXX is claiming to represent someone they do not represent, and to have interest in a house they have no interest in.
Therefore -- all of XXXX XXXX 's attempts to evict me as a renter were illegal, as they never had the right to foreclose and they never had the right to evict me.
In case XXXX XXXX claims they are the wrong party, I have attached a letter from their attorney stating they represent XXXX XXXX. They also claim I have submitted the same complaint. Not true. There is no complaint they've properly responded to which I submitted again.
XXXX XXXX keeps claiming I have no right to bring their illegal activity up. I have spent nearly $ 100K due to their fraud, trying to illegally evict my family. Of course I have a right to complain about this. I would appreciate it if you stop letting them get away with this!!!
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| 01/07/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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OCWEN is my current mortgage servicer. My property is XXXX XXXX, SC XXXX. I purchased my home in XXXX and my servicer previously was GMAC before they filed chapter XXXX bankruptcy. I have had ongoing problems for over 3 years now in the handling of my account. Currently, I am being told that I am behind by over a month on my payments. Over the course of my loan I have had my payments misapplied to principle only and various other issues which at times would make my account delinquent. On many occasions I have had to call and apply extra payments to ensure my account was current to avoid being reported as delinquent on my credit report due to these issues. At XXXX point less then a year ago I was even denied a loan point of contact saying I did not have XXXX but I believe that is a part of the XXXX. Their have also been several calls made in which I was told my account was up to date and or caught up over the last 3 years and now I am being told I have not been on time in over 2 years.
Communication has been poor at best with OCWEN. Miscommunication has been amplified due to my XXXX deployments as I am a service member, making communication challenging. My wife on more then XXXX occasion has told OCWEN and GMAC employees that I have been deployed in effort to make them aware of the SCRA and has been rebuffed. Even now I am provided pay histories and as I look at it it does n't show when my payments were misapplied and then reapplied which possess a major problem in itself. I am being told I began to fall behind when my ESCROW payments increased but the issues predate that action making it seem like all I am being handed is an excuse to get me to pay with no true effort to find the source of the issues. On top of that the increase in ESCROW would not be when it started as it can also be seen that additional payments were being made to my mortgage to cover that increase.
At this point the negative reporting on my account is potentially impacting my government clearance, which is need for my job. I am also experiencing a negative financial impact, as I can not refinance with negative reporting. We have requested ESCROW statements since XXXX and none have been provided or received and I am aware of the CFBP and XXXX requirements of service. In the end I have received only a partial history again. No real research has gone into the issue either. My account has been mismanaged for many years now and it appears true to the reputation of OCWEN it is continuing.
I do not want a handout, all I am looking for is that any delinquency that can not be clearly accounted for be credited to my account and the negative reporting to the credit reporting agencies be removed. I also wonder if my payments are behind why I was never offered a modification under the XXXX. I have asked multiple times about the XXXX and have never had a specialist answer my questions. I am always just told " no '' with no visible effort to verify. It almost seems as if they do not want to offer me anything under the provisions of the XXXX and are stalling until it expires so that they do not have to. I have educated my self on the settlement OCWEN has just had with the state of New York and it sounds like I am having the same issues. As I have said in this letter and many times over the phone, I would like the negative reporting to cease and past reporting removed since nothing has been proven and if in fact OCWEN after many years of trying can finally show me when my payments became late I will have no problem bringing my account current. OCWEN seems to operate in either secrecy or they just simply do n't seem to know what they are doing.
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| 06/26/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Respond to: XXXX
This is a formal complaint relating to a Homecoming XXXX \ GMAC\ Residential XXXX \ XXXX sale on XX/XX/XXXX foreclosure.
Documents indicates XXXX Morgan foreclosed on XX/XX/XXXX
Further noted, XX/XX/XXXX foreclosed on the property, by The Bank XXXX. Question prevails of which mortgage servers had LEGAL STANDING. How binding were the Substitute Trustee appointment. I hereby, request a official review of all past and current Register of Deeds with XXXX Register Of Deeds to validate for accuracy.
The NOTICE OF ASSIGNMENT , SALE OR TRANSFER OF SERVICING RIGHTS created XXXX . Currently XXXX is a company delisted since XX/XX/XXXX. Formally, know to grant a mortgage for XXXX. resident.
This foreclosure results requires immediate review and correction of any wrongful laws. I had been a home owner at the residence since XX/XX/XXXX with eviction from the property date XX/XX/XXXX
The foreclosure has created undue stress, family hardship , stress for my spouse and myself. Within, the month of XX/XX/XXXX, I was in the process of retiring . In the month's XX/XX/XXXX to XX/XX/XXXX I was not healthy for the type of work I was assigned. Nonetheless, a disaster for the family was created with the foreclosure, loss of income, court fees, moving expenses, attorney fees for XXXX different attorneys, misrepresentation with disbarment of the XXXX attorney, relocation at XXXX residents, deposits and rent fees, transfer of electric services, credit tarnished -- a lien on the property from Citi Financial that continues to show on my credit report and unable to secure Retirement Benefits until XX/XX/XXXX. Uncertain of how the foreclosure status on my credit report will be removed or discharged with balance of $XXXX GMAC MORTGAGE / HOMECOMING XXXX. ORIGINAL SERVICER XXXX. a delisted company.
Seeking review for a $XXXX bond that was placed on the property thru the Courts. With no DUE PROCESS this seems to be a cover up. XXXX loan modifications were requested with no results. No response was ever given for acquiring a loan modification with XXXX requests. In as much , XXXX loan modification paperwork was inclusive to record XXXX on a document and appears to fraud...DOCUMENT AVAILABLE FOR REVIEW... The XXXX was inclusive as if this was part of a down payment in the modification process. However, the modification was never approved and foreclosure procedures were mandated , with every piece of personal property placed on the curb side in front of the resident . for a public display and scavengers to steal possessions owned by my family.
In XX/XX/XXXX, I experienced issues with late payments and requested a loan modification.
DOCUMENTED XX/XX/XXXX XX/XX/XXXX. A workout /or repayment plan is documented with a notice from Homecoming XXXX.
Within the terms of the agreement it was determined that
Homecoming XXXX approved a REPAYMENT PLAN
DOCUMENTED XX/XX/XXXX - XX/XX/XXXX Payments are part of my immediate file on record. I request an audit of my payment for this mortgage. In addition, a forensic audit has to be reviewed and submitted for my account, with original late fees ,home insurance , private mortgage insurance county and city tax payments any work out repayment plans , all foreclosure sale dates for XX/XX/XXXX--XX/XX/XXXX--XX/XX/XXXX--XX/XX/XXXXXX/XX/XXXX. These are payments reviews I can account for as noted : Payments history with receipts XX/XX/XXXX -- XX/XX/XXXXXXXX
XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX
XX/XX/XXXXXXXX XX/XX/XXXXXXXX
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| 04/03/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Hello, I got a loan in 2005 from IndyMac when I purchased our home for {$570000.00} of course at the high of the market. I put down {$200000.00} approximately and took some bad advice and took interest only loan for {$370000.00} approximately with a 10-yr interest only period. That loan was eventually sold and sold again and is now owned by XXXX and serviced by OCWEN. The rate on the loan is 6.5 %. The value of my home is now approximately {$300000.00} to {$350000.00}.
I have been trying for years to refinance, but because XXXX or XXXX XXXX does NOT own my loan, I am NOT eligible for HARP, which would allow me to refinance above 100 % loan-to-value and NOT charge me mortgage insurance because of what happened in the real estate market with the financial crisis. XXXX participates with HAMP, which is the MODIFICATION program portion sponsored by the government. My income has also declined so that I can not qualify even with mortgage insurance.
I have applied XXXX to be modified, but OCWEN has denied me XXXX because I am not " delinquent '' according to the INVESTOR 's ( XXXX ) standards and each time they have offered to help me with a short sale. I have always paid my mortgage on time, even though according to qualifying standards I do n't really qualify! My wife and I are hard workers and we believe in paying for our obligations.
I want to keep my family in our house. I really just want to get a refinance to make the loan a 30-yr loan at the current rate because this loan will now amortize this XXXX for 20 YEARS when the interest only period runs out.
When they told me I was not delinquent on the XXXX modification request, I had a hard month and became late on the payment, so I re-applied and they denied me again ; I called OCWEN and persisted to speak with a relationship manager who still DID NOT KNOW the details of my file but who finally said you must be 89 days delinquent in order to qualify. This allows them to be one day away from putting a notice of default and a foreclosure notice on your property. That allows them to slow down their paperwork so that you can not have any control and be at their mercy for a foreclosure.
OCWEN is helping XXXX get rid of loans they do n't want. I have lost {$200000.00} in equity ( and CASH that I put ) in my home and I just want to have a reasonable payment with a regular loan. I have paid my loan consistently for ten years. I am not asking anyone really to forgive any of my principal ; I wrote that on my modification request. I just want a new 30-year loan. Because I do not have a XXXX or XXXX XXXX loan I can not get a refinance, EVEN WITH mortgage insurance.
OCWEN is being unfair by not offering me a modification without being late for 89 days -- that way they are able to get rid of my loan because they will have a notice of default and then I ca n't control the situation and they will not accept a payment to bring the loan current OCWEN is trying to get rid of certain loans for XXXX by denying me a modification even though I would qualify for a modification because my income is low BUT instead they keep offering me help in doing a short sale.
I can only guess that maybe they are doing this because I live in a certain area and have a certain surname ( XXXX )?
Why would I be denied a modification otherwise if I qualify for it? Under the GOVERNMENT rules for HAMP, you do NOT have to be delinquent.
ALL I WANT IS A NEW 30-YR FIXED RATE LOAN LIKE XXXX OF OTHERS IF NOT XXXX HAVE GOTTEN THROUGH THE HARP PROGRAM WITHOUT PMI.
XXXX XXXXXXXXXXXX XXXX XXXX, CA XXXX ( I am writing this with the assistance of a financially helpful friend, XXXX XXXX )
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| 09/11/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I would like to file a formal complaint with CFPBA with the hope of finding a legal remedy resolution with Owen loan servicing.
I applied for a modification in XX/XX/XXXX with XXXX XXXX XXXX, it took them 14 months and me paying an attorney {$2000.00} and a complaint being filed with the OTS. The OTS advised XXXX they had 30 days to modify my home and XXXX sold my loan to Owen loan servicing which took them an additional 8 months and me starting the process all over again. After they modified my home my payment was increased due to me losing my homeowners insurance due to the properly constantly flooding and claims filed with the insurance company, which they were aware of due to the fact I asked to walk away from the property due not receiving a federal truth in lending disclosure at settlement and the home flooding and I was not able to move into it. I WAS advised it had to be resolved thru Arbitration. I was not able to afford the premiums from a new insurance carrier, so Owen charged me an additional {$2100.00} a month which increased my mortgage payment to more than what I could afford and over the 33 1/3 % required for a modification. This caused me to have to file a chapter XXXX bankruptcy to save me from losing my home. I was required to pay {$750.00} month to the bankruptcy court as well as my mortgage payment of {$950.00} a month .Every time I called my payment into ocean bankruptcy department and asked them to process my payment of {$950.00} they would constantly argue with me and tell me that I have to pay {$1200.00} and they would attempt to collect arrearage that was included in the bankruptcy plan. In XXXX of last year my bankruptcy was dismissed because I had 2 XXXX and could not afford to pay both payments, my bankruptcy was modified and we had a court hearing on XX/XX/XXXX.Ocwen contacted me even though there was a cease and desist on file when I asked I was being called they refused to tell me I advised that I was retained for a bankruptcy and that there is an active cease and desist on my account they representative disconnected the call and I received a another call the same day reading me the attempt to collect a debt disclosure. I advised my attorney of this who seems to not be concerned of FDCPA, TPCA AND bankruptcy violations. I also requested for the mortgage payment and the bankruptcy payment to be garnished from my wages, my payroll department received 2 court orders and somehow stopped the bankruptcy payment and started garnishing my mortgage payment which the bankruptcy trustee never remitted to Owen, this has left me with the trustee awarding Owen a stay and foreclosure of my home. All I have done is comply and tried to do everything I could to save my home. My property was included in the OTS class action law suit and is now currently a part of the TCPA class action law suit. I am trying to understand how a bank can violate so many laws and get I am the one with the damaged credit file to the point I am not even able to fund a place to rent for myself and my XXXX year old daughter, how they can be a part of these class action law suits and pay fines and nothing to myself for their violations. I haven't even received a mortgage statement in 5 years, I need your assistance with making Owen compensate me for these violations I want all the back payments they XXXX me on taken off my mortgage balance and my home modified correctly. Please let me know if you are able to assist me, I am also currently looking for an attorney that can represent me in suing Owen for these violations if you are not able to assist me. Thank you for any assistance you can provide.
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| 08/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen has been sued by ( XXXX ) States Attorney General 's and CFPB for failure to modify its own customer 's loans, grant principal reductions and loan forgiveness. Instead, while in the middle of a loan modification still wrongfully sell homes at auctions, which my home is set for XXXX XXXX, 2016 at XXXX
Ocwen has refused to give me a loan modification. XXXX Housing counselor have sent RMA packages beginning in XXXX 2016 which is a waste of taxpayer dollars sending redundant paperwork over and over under HAMP for customer 's with predatory loans.
XXXX and XXXX have completed RMA 4 or 5 times for me solely as recently as XXXX 2016. Ocwen keeps requesting paperwork for estranged coborrower not on the Deed, as I am the sole owner of title of record for property.
I have spoke with several HOPE Housing counselors who said this is a normal occurrence that coborrower ca n't be found. The normal process is to go send a letter to the servicer explaining they do n't know where the person is and go henceforth with the modification.
On XXXX XXXX, 2016 Housing counselor sent to Ocwen, " AFFIDAVIT OF ESTRANGEMENT '' of XXXX XXXX stepfather for over ( 20 ) years.
Ocwen did not respond to the housing counselors or my written request and ignored the legal document. Ocwen said that they were going to conduct their own search for XXXX XXXX leading me on. Ocwen instead lied to me used bait & switch tactics reissuing another auction sale for XXXX XXXX, 2016 at XXXX
At this late junction after working with HOPE counselors, Ocwen has chose not to comply with the judges consent order in modifying it & apos ; s costumers loans and continues to violate the law, as follows : 1. Sends no letters to its customer 's denying loan modification and schedules foreclosure sales in midst of loan modification process.
2. Still engages in wrongful foreclosure sales in lieu of helping homeowners save property. XXXX 3. Hang up the phone on customers 4. Unlawful possession, i.e. burglary of homes and put lockboxes on doors, criminal trespass, breaking and entering.
5. Ignored Housing Counselors loan modification paperwork and legal documents regarding homeowner loan issues.
6. Sends out general form letters that do not inform the customer of status of loan modification.
7. Does not properly notify homeowners of foreclosure actions with the court.
8. Lies to the court that they have filed proper notices of foreclosure sale to the homeowner, i.e not providing, certified return receipt signed by homeowner as required by Maryland law.
I am requesting the foreclosure sale be stopped immediately. I am being discriminated against and treatly differently from other homeowner and by Ocwen who has refused to give me a Trial Modification or a denial letter. This is a pattern practice of denying me a loan modification that occurred with Litton who is also apart of the CPFB federal lawsuit.
Several emails have been sent to a XXXX XXXX, XXXXXXXXXXXX. Today, I spoke with customer Reps. XXXX and XXXX who did n't have any information to help me.
As this is an urgent matter due to foreclosure, PLEASE DO NOT GIVE THIS COMPLAINT TO THE XXXXXXXXXXXX who does nothing to resolve any problems and nothing but a Rubberstamp with Ocwen. AS THEIR IS A JUDGES FEDERAL CONSENT ORDER, I am requesting your intervention as you have brought legal action in federal court and have the enforcement authority to make Ocwen stop the foreclosure fraud, mortgage servicing abuses and unfair business practices.
Please find attached documents. Any questions, please contact me at XXXX or email address at XXXXXXXXXXXX.
Thank you, XXXX XXXX
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| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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The issue is that the Relationship Manager acting as an official representative of OCWEN mislead and directly caused this situation and OCWEN designed their systems for Zero Accountability.
The complaint is that misleading information and back dating the beginning date of a loan modification process has caused the loan to become over 90 days past due and therefore subject to not only foreclosure proceedings but also the refusal of OCWEN to accept monthly payments. Also, as a direct result of the actions of OCWEN employees there is now a lump sum due or acceptance into a high premium repayment schedule before monthly payments can resume. Both of these actions are a direct result of actions by OCWEN employees and the remedy should be to put the loan back to the original state before the loan modification process was started. This especially since I directly ask XXXX XXXX about breaching the 90 days deadline, I was assured to proceed that the documents were approved and the modification would be successful. At that point I also, inquired about the letter from OCWEN asking for letter of administration, power of attorney, or last will and testament, again was advised to proceed.
I informed XXXX XXXX over a year ago EXACTLY what documentation I possessed or could obtain and who I was in reference to the account holder. These statements from OCWEN saying I am now " not authorized on the account '' should have been clear at the very beginning when I first initiated communication with OCWEN ; further more OCWEN should never advised me to proceed due to my authorization or ability to obtain the required documentation to complete any modification. XXXX XXXX & the Underwriting Department reviewed the documents and ADVISED me to proceed with the modification. They reviewed and assured at least twice that my documents would suffice throughout the entirety of the modification. Every single time I was requested to supply a letter of administration, power of attorney, or last will and testament I questioned XXXX XXXX and several times was instructed to proceed! Even after XXXX XXXX & I received notice of ineligibility to assume the loan. XXXX XXXX advise that we would still be successful in the modification process, I asked for another review by his department and underwriting before initiating any process.
There is zero accountability for OCWEN 's representative misleading a consumer. The Ombudsman 's department directed me back to the same department/system I was calling to complain about! They say their relationship manager 's consultations may be recorded, so OCWEN provide all recordings for review!
OCWEN states so clearly and easily now the rules for authorization and documentation required for modification. Why was this information not so clearly defined and available in the very beginning when I ask XXXX XXXX to review the my documentation and distribute to all necessary departments for review prior to initiating any actions? XXXX XXXX & the underwriting department advised me to proceed! Its a very convenient mistake that only benefits OCWEN!
The only relief is to, as I stated in the beginning, is to put the loan back to it 's original XXXX 2014 status and let the monthly payments begin again. The lump sum is a direct result of actions by employees of OCWEN therefore the consumer should not be held liable for charges created by changing a date. I was told when to stop making payments to allow the loan modification to proceed and when I should start the new monthly payments. As a result of this information given directly to me by OCWEN employees the loan is in it 's current situation.
|
| 02/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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From the Desk of XXXX XXXX Private Attorney General XXXX XXXX XXXX XXXX ( XXXX ) and One of People in a Court of Record * XXXX, Ca XXXX XXXX Consumer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX PENDING CRIMINAL INVESTIGATION LAST UPDATE XXXX XXXX, XXXX ***VIOLATION OF CODE OF CIVIL PROCEDURE CCP 337 4 YEAR STATUE OF LIMITATIONS*** FEDERAL CONSUMER LAWS CIVIL CODE SECTION 1567. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. Mistake FEDERAL CONSUMER LAWS CIVIL CODE 1571. 1572. 1573. 1574. 1575. 1576. 1577. AND 1578 12 USC Sec. 503. Liability of directors and officers of member banks ; 12 USC Sec. 504. Civil money penalty ; 12 USC Sec. 541. Tax on circulating notes generally ; 12 USC Sec. 582. Receipt of United States or bank notes as collateral ; 12 USC Sec. 629. Conversion of banking corporation into Federal corporations ; procedure 12 USC Sec. 630. Offenses by officers of corporation ; punishment ; 12 USC Sec. 631. False representations as to liability of Unites States for acts of corporation ; punishment ; 12 USC Sec. 632. Jurisdiction of United States courts ; disposition by banks of foreign owned property ; 15 USC Sec. 1692. Congressional findings and declaration of purpose ; 15 USC Sec. 1692g. Validation of Debts ; 15 USC Sec. 1692j. Furnishing certain deceptive forms ; 15 USC Sec. 1693n Criminal liabilities ; 15 USC Sec. 1693o. Administrative enforcement ; 18 USC Sec. 479. Uttering counterfeit foreign obligation or securities ; 18 USC Sec. 480. Possessing counterfeit foreign obligations or securities ; 18 USC Sec. 1962. Prohibited activities ; 18 USC Sec. 986. Subpoenas for bank records ; 31 USC Sec. 5316. Reports on exporting and importing monetary instruments ; 42 USC Sec. 1986 Action for neglect to prevent ; FORGERY CALIFORNIA CODE OF CIVIL PROCEDURE 749 AND 749.5 RESCISSION OF SUBJECT PROPERTY UNDER CALIFORNIA CIVIL CODE 1688, 1689 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( 3 ) 1689.2 VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( d ) Failure to Discharge the Duties or Responsibilities of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( e ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure to Discharge Fully and Faithfully the Duties of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to Substantially Benefit the Notary Public or Another, or Substantially Injure Another VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( l ) Execution of any Certificate as a Notary Public Containing a Statement Known to the Notary Public to be False Execution of a certificate that the notary public knew contained false information.
VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( o ) Failure to Secure Journal or Official stamp PENAL CODE115.5 FALSE DOCUMENTS RECORED IN THE COUNTY RECORDERS OFFICE, PENAL CODE 182 CRIMINAL CONSPIRACIES PENAL CODE 470 ( a ) ( b ) ( c ) ( d ) INTENT TO COMMIT FORGERY NOTICE OF ERROR UNDER 12 C.F.R. 1024.35-1024.36 DOCUMENTS IN ORDER GRANT DEED XXXX DOCUMENT # XXXX XXXX XXXX XXXX, A SINGLE AND OTHER TENANTS IN COMMON HEREBY GRANT TO : XXXX XXXX XXXX ACKNOWLEDGED AND NOTARIZED XXXX DEED OF TRUST XXXX DOCUMENT # XXXX XXXX XXXX MIN # XXXX LOAN # XXXX BORROWER- XXXX XXXX XXXX LENDER- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
BENEFICIARY-XXXX ***XXXX WAS SUSPENDED IN XXXX XXXX, XXXX BY THE SECRETARY OF STATE OF CALIFORNIA AND FRANCHISE TAX BOARD IN XXXX. SEE ATTACHED INTER-AGENCY INQUIRY*** ***ON XXXX XXXX, XXXX MORTGAGE ELECT
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| 04/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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RE : Ocwen Loan Servicing ( As Sub-Servicer ), XXXX XXXX XXXX ( As XXXX XXXX ), XXXX XXXX ( As Trustee ), XXXX Mortgage Servicing ( previous Sub-Servicer ) I read with hope and interest about your recent multi-billion dollar settlements with the above named companies for their criminal and fraudulent actions involving foreclosures. My interest is personal, as I have been struggling for about XXXX years to settle a foreclosure action. When I learned of the settlements, my hope was that the fines and business practice requirements you imposed would encourage these companies to follow not only the spirit, but the letter of their settlement agreements.
Unfortunately, my experience is that they have not changed their practices. Therefore, I would like to lodge a formal complaint as they continue to pursue foreclosure and duplicitous modification programs based upon:1. False Assignments that are void as an operation of law2. Refusal to verify their " standing '' to bring foreclosure3. Refusal to assign XXXX point of contact, either an attorney or an investor representative and/or a sub-servicer representative, for settlement conferences with either the State Court Judge or NY Supreme Court Judge. In fact, in XXXX mandatory meetings with the State Court Judge, XXXX different attorneys appeared, and in XXXX settlement meetings with the Supreme Court Judge XXXX different attorneys have appeared and XXXX different Ocwen employees have appeared.
4. Ocwen employees refused to identify themselves with a business card for future follow-up during these meetings.
5. Refusal to produce discovery items as demanded by our motions and a State Court Judge and a NY Supreme Court Judge6. Failure to comply with a NY Supreme Court Justice 's demands for evidence of standing by either producing the blue ink note or the trust documents that lists my property as party of the above stated trust7. Failure to acknowledge that the publicly available Trust Documents filed with the SEC do not list my loan characteristics under the section " Assumed Loan Characteristics '' 8. They have generated " offers '' of settlement and then withdrew them9. XXXX asked in writing for me to agree that GMAC is the " Lender '' as part of a settlement offer10. Declaring in writing to me that " no assignments were made of the loan '', while filing with the XXXX County Clerk an " assignment '' signed by notorious robo-signer, XXXX XXXX11. Declaring in writing that XXXX XXXX currently " holds an interest in the loan '' XXXX. Declaring in writing that XXXX, XXXX XXXX XXXX ( a law firm ) have been substituted as Trustee13. Insisting in our settlement conferences with a NY Supreme Court Justice that our " default '' interest rate is 8.25 % despite the terms set out in my note and while sending statements stating my interest rate is 2.625 % 14. Claiming during settlement conferences that the " lender '' or " investor '' would not allow certain modifications, and then refusing to name the party ( ies ) to whom they are referring15. Asking us to pay " out of pocket '' expenses/fees/finesa. before any settlement or agreement is achieved, b. while claiming the right to collect on a Note for which they have not shown standing andc. to Ocwen for " out of pocket '' expenses/fees/fines of the previous sub-servicers ( XXXX ), while refusing to substantiate these expenses or prove that they have not been reimbursedd. that include thousands of dollars in legal and 'default fees ', title searches, broker price opinions, 'property inspections ', and 'late charges ' to the 'account balance '.
Please see the attached letter describing my complaint
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| 07/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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XXXX XXXX I XXXX XXXX, via Postal Mail received a Modification Statement from Ocwen Loan Servicing , LLC . XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The statement is date XXXX XXXX XXXX, Ocwen has always sent statements on or about the XXXX of each month with added late fees. I have complainant Ocwen of this Matter since XXXX. In this complaint this is not about mortgage statements late with added late fees as such. This complaint is focused on I XXXX XXXX have never applied for a modification with Ocwen Loan Servicing , LLC . XXXX, FL XXXX, or any government or servicer or bank, and I would never apply for a modification, as I have come to see from all the many settlements and law suits including the suit with Ocwen Loan Servicing , LLC . XXXX, FL, these Modifications are a scam, and do not help the homeowner. These modifications take alot of paper work and time, and the Homeowner has to quilfiy for this Modification and many time the trial fees are not applied to the debt and the money is forever lost in the pocket of the investors or the servicer or who can say where the money has gone.
The statement dated XXXX XXXX XXXX say I oow XXXX modification payment and XXXX is due. I do not owe any payment to Ocwen, I have never send any documents to Ocwen nor where my place of employment or how long I have worked at my current job. I have never given Ocwen my personal information such a Driver License or Social Security Number, I have never given XXXX any information.
Ocwen is aware I have filed Id THEFT in XXXX XXXX, and XXXX was The origianal Lender who was sued by all Attorney G, and shut down in XXXX. I continued to pay XXXX so I was lead to think.. yet how XXXX is gone. and how can i send money to XXXX when they are gone. My signature has been forged on a Hud-1.
Ocwen is aware of this complaint and if you, look in your records, I Have filed complaints on all the serviers including Ahmsi-Homeward, who merged with Ocwen, prof can be found in the security Exchange.
I have many many many issues in the matter, but here and now this complaint is against Ocwen whom has put me in a modification I never agreed to. Ocwen would have had to forged my information on documents, and forged my personal signature and address and id information. I have called FTC and filed Id theft against Ocwen, FTC case # XXXX. XXXX XXXX XXXX, I have file ID Thelft report with my state and County Police Department # case XXXX XXXX XXXX Police Department, State of Texas.
I have filed a complaint and talk with Texas XXXX lending, this department is the Ocwen Loan Servicing , LLC . is registered\license ( s ). In my complaint on phone and in writing with Texas XXXX lending, I requested to see the modification documents Ocwen has, which show I did apply for this Modification in which they say I am now late XXXX, and XXXX payment. I also requested all phone conversations as I have called Ocwen and asked to get this issues corrected. Ocwen never returened my calls, I record all my phone converstaions its legal in the STATE OF TEXAS and I also tell the person on the other end I am recording for my protection. I have many phone calls recorded of Ocwen including a conversation of an employee saying there internal computer system is set on auto to add late fees and they the call center can not change the internal systems.
My phone records and emails.
Ocwen Loan Servicing , LLC . XXXX, FL XXXX, should be charged with Id Theift and criminal charges for taking money from me of a XXXX I do not owe, when they knew I have filed ID Theft in XXXX and now again in XXXX. Ocwen Loan Servicing , LLC . XXXX, FL XXXX, said
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| 03/31/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XXXX/XXXX/2015 I tried to schedule my XXXX 2015 loan payment for XXXX/XXXX/2015. The latest date the Ocwen Financial website would allow me to schedule it was XXXX/XXXX/2015. After scheduling the payment, I called Ocwen customer service and was told that their computer system would only allow payments to be scheduled a maximum of 15 days in advance, and that I could change the payment date to XXXX/XXXX/2015 after XXXX/XXXX/2015. When I tried, after XXXX/XXXX/2015, to reschedule the payment I could n't, so I called Ocwen customer service again. The customer service representative said he would have the payment date changed to the XXXX/XXXX/2015. He also instructed me to check the website on XXXX/XXXX/2015 to make sure that the change had been made, which I did, and the payment date had been changed to XXXX/XXXX/2015. By XXXX/XXXX/2015, the payment still had n't been debited from my checking account so I called Ocwen customer service and explained everything about the payment rescheduling. The customer service rep. named XXXX said that maybe the payment had n't processed because XXXX/XXXX/2015 was on a Sunday. He instructed me to wait until XXXX/XXXX/2015 and if the payment still had n't been debited from my checking account to call Ocwen again. I checked on XXXX/XXXX/2015 and the payment still had n't cleared my checking account so I called Ocwen customer service, but I could n't get through. I called everyday from XXXX/XXXX/2015 through XXXX/XXXX/2015, but kept getting rerouted in a telephone loop.
I sent an e-mail to customer relations explaining that I could n't reach customer service by telephone. Finally, on XXXX/XXXX/2015 I got through to a customer service rep name XXXX who said they had received some information about telephone trouble. I was then given the telephone number to the Research Team because XXXX could see the payment on my account scheduled for XXXX/XXXX/2015, but it had n't processed He also gave me the confirmation number of my payment, XXXX. I called the Research Team and explained that I had sent an e-mail to customer relations because I could n't get through. I was told that they could n't see any payment, but they would research it.
On XXXX/XXXX/2015, I called the Research Team again and spoke with XXXX who told me that they could n't see a XXXX time payment, but that my attempt to set up automatic payments had n't gone through. I explained that I had never tried to set up automatic reoccurring payments just a XXXX time payment for XXXX 2015. After asking to speak with a supervisor and being told by XXXX that she was capable of handling this situation, she agreed to have some additional research done. As soon as I finished my conversation with her, I called Ocwen customer service and spoke to XXXX. He told me that he could see the payment and that he would have his supervisor take care of it and that any late fees assessed would be reversed. Then I received a letter from the Research Team dated XXXX/XXXX/2015 stating that a payment date had not been selected when the XXXX time payment was scheduled and that they had no responsibility for customer inputs entered.
They went in and changed the payment date not me. If there was an input error, it was committed by Ocwen, and that 's not my responsibility! I want my payment posted to my mortgage account, I want it posted as of XXXX/XXXX/2015, and I want any and all fees related to Ocwen 's not posting my payment reversed. I have done more than my due diligence in trying to resolve this matter. Now let Ocwen figure out how to process my XXXX XXXX, 2015 payment, in the meantime I wanted my payment posted!
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| 01/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/2013, pursuant to VT statute 12 V.S.A. 4631, which ... assure ( s ) the availability of mediation and application of government loss mitigation program requirements in actions of foreclosure, we entered a mediation with XXXX XXXX XXXX to avoid foreclosure. In the end, the mediator determined that we were eligible for the Federal HAMP program.
At the time, we had a 1st and a 2nd lien with Ocwen. The 1st is the loan that was modified.
Had we proceeded with HAMP, we would have addressed the 2nd lien with the adjacent 2MP program, but at that point Ocwen countered with an offer of an in-house Shared Appreciation Modification ( SAM ).
We were offered a Deferred Principal Balance reduction of {$86000.00} in equal installments over 3 years provided that we did not have consecutive late payments, which we achieved.
When we asked about the 2nd lien, we were told that it would go away since we were upside down on the 1st alone. Adding the 2nd back to the equation would have put us back underwater.
After we agreed to the modification, we looked on line, and saw that the balance on second showed XXXX with no payments due ( screenshot attached. The XXXX balance 2nd is above the modified 1st lien balance, taken in XX/XX/2013 ).
Now, 6 years later, in the course of appllying for an FHA loan to refi our house, we found that one of my credit reports showed an odd {$7700.00} past due amount on that 2nd XXXX out loan, with a balance of {$50000.00}. The lender advised me contact Ocwen and get that removed.
Instead of removing it, Ocwen informed me that the 2nd lien has been referred to a collection agency and updated their credit reporting on the loan, which knocked 100 points off my credit score and made me ineligible for the FHA loan. Now, we are getting almost daily harassing phone calls from their collection agency.
In effect, Ocwen is holding my access to credit hostage in an attempt to extort payment for a loan that they said they wrote off in our modification process and using their collection agency to exert pressure. Ocwen said nothing to us about this loan for 6 years, and now, after we met the terms of our modification agreement, they are attempting to claw back the Deferred Principal we negotiated because now they know we are trying to access credit. Given Ocwens history of abusive behavior, it would not surprise me at all to learn that this is a deliberate strategy and a pattern of behavior.
Had Ocwen disclosed that it planned to retain the 2nd lien, we obviously would have taken advantage of the Federal HAMP/2MP program and none of this would be an issue today. This is particularly egregious considering that we agreed to Shared Appreciation as part of the SAM agreement on the 1st lien.
If we sold the property for {$300000.00} today ( a realistic FMV for our property ), according to the terms of the modification on the 1st lien we would net ~ {$54000.00} after satisfying the Shared Appreciation terms of the SAM, which would include an {$18000.00} payment to Ocwen ( 25 % of the appreciation ). If the 2nd lien were enforceable, after paying the ~ {$50000.00} we would be left with ~ {$4000.00} which would be more than wiped out by closing costs.
We did not agree to a SAM with Ocwen over HAMP/2MP in XX/XX/2013 so that we could find ourselves underwater again and so that they could hold our credit hostage after 6 years of meeting our obligations under our agreement.
Given the $ XXXX settlement Ocwen reached with the CFPB, I doubt that this behavior comes as a surprise. Apparently, even that massive fine was not sufficient to prompt them to change their behavior.
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| 11/30/2016 |
Yes |
- Mortgage
- Reverse mortgage
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- Application, originator, mortgage broker
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Web |
Older American |
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OCWEN LOAN, XXXX & XXXX XXXX CREDIT? ..PLEASE DO SOMETHING to fix the on going problems with OCWEN SINCE XXXX. SINCE XXXX XXXX MODIFICATION WAS TO BE DONE BY XXXX MODIFICATION KEEP MAILING ME PACKAGE TO SIGN..I HAVE FAX AND MAIL OUT XXXX PAGES FOR AFFORDABLE HOME ACT. A HARP LOAN. THERE STILL NO MODIFICATION, THERE WAS NO NOTICE GIVEN IN XXXX JUST LETTER SAYING PAST DUE. NOW TRYING TO TAKE MY HOME SINCE XXXX. THIS IS SUCH A SCAM. NEW APPOINTMENT ON XXXX XXXX MONDAY XXXX, OCWEN OR MY REP MGR. OR CUSTOMER SERVICE MGR. NEVER CALL ME TO GO OVER A NEW PACKAGE.I CALL OCWEN AT XXXX REQUESTING TO SPEAK TO MY OCWEN REP.
ALWAYS SAY REP. IS NOT AVAILABLE WE CAN RESET UP APPT. THIS IS 3RD TIME THE OCWEN RELATION MGR.HAS NOT CALL SINCE XXXX. SEE EMAIL BELOW ALWAYS SENDING BUT NEVER CONTACT ME. SEE OTHER COMPLAINT.
XXXX XXXX XXXX COMPLAINTS SINCE XXXX CONSUMER PLAINT DATA submission, [ Case number : XXXX ] Re : OCWEN EMAIL : Important Account Information Monday, XXXX XXXX, XXXX XXXX From : " Relationship Manager '' XXXX " XXXXXXXXXXXX '' XXXX In addition, if you are referring to the unpaid principal balance, the current unpaid principal balance on the account is {$89000.00}. Please note that the unpaid principal balance is not the amount required to pay off the loan.
Furthermore, please be advised that the terms of any approved loan modification is not negotiable. The modified terms are based on the income information we receive and the current status of the account at the time of review, following the guidelines set by the United States Department of Treasury and the investor. If you disagree with the reason ( s ) for non-approval, you have the right to appeal. To appeal, you have 30 days from the date of the notice to send a written explanation and supporting documentation to substantiate your findings. Please email a copy of your explanation letter along with any supporting documents to XXXXXXXXXXXX or mail to the following address : Ocwen Loan Servicing , LLC Escalations Department XXXX XXXX XXXX XXXX, FL XXXX Important Account Information Wednesday, XXXX XXXX, XXXX XXXX Mark as Unread From : " Relationship Manager '' XXXX : " XXXXXXXXXXXX '' XXXX ; Dear XXXX, We apologize for any inconvenience this matter may have caused. Exceptional customer service is our primary goal and we regret your experience with us has been less than favorable. Please note that to ensure our customers will be assisted accordingly, we schedule them to the earliest available date and time when they preferences are no longer available. Nevertheless, customers may always reply or call us to decline the appointment and reschedule. XXXX XXXX comment : OCWEN NEVER CALL.
In response to your other concern, we are unable to sell this loan to any other financial institution. However, you have an option to refinance this account.
In addition, our bank account information for wire transfer has always been the following information : Ocwen Loan Servicing , LLC in Trust for Various Investors and Mortgagors Account number : XXXX XXXX XXXX Bank, NA XXXX routing number : XXXX Reference : ( your name, loan number, and the property address ) You may also send any details of the wire by email to XXXXXXXXXXXX. Be sure to enter the total wire amount on the subject line of the email.
MY POINT IS THEY WONT MODIFIY MY LOAN BUT WANT MONEY WHICH THEY DO NOT REPORT TO CREDIT AGENCY..THIS IS SUCH A SCAM. I AM XXXX YRS OLD. IN XXXX THIS WAS MY FIRST HOME AT AGE OF XXXX SINGLE MOM WITH CHILD XXXX LOAN BY XXXX XXXX CLOSED THE DAY OF SIGNING, CLAIMING BANK ONLY GAVE ME XXXX. BUT LATER ANOTHER XXXX DOING SIGNING OF LOAN. MY EQUITY LOST.
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| 10/08/2019 |
Yes |
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- Trouble during payment process
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Web |
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The XXXX XXXX XXXX XXXX XXXX ( `` XXXX '' ) assisted me in getting a mortgage modification after years of unsuccessful attempts with Ocwen Loan Servicing.
I was able to pay my monthly mortgage amount and meet the basic needs of my household.
Last year, XXXX, Ocwen claimed that the XXXX, XXXX payments was not received ; I notified Ocwen that it made an error because I had proof of the money order and a copy of the stamped receipt showing that I hand delivered the payment, as I customary d. I also receive a letter from PHH advising me that I was to mail my check to them as being the new servicer After verifying the information, I sent in preceding monthly payments which where all returned to me, siting that Ocwen reported that the XXXX 's payment was not received.
I then sent proof to PHH that the payment was indeed received and the money order was cashed.
I did not received information from PHH mortgaging verifying or correcting the incorrect information ; instead PHH continues to refuse to accept the mortgage payments.
Further, PHH Mortgage did not revealed to me that It the same company as Ocwen Loan servicing PHH asked that I apply for a mortgage modification which I did.
PHH Mortgage denied the request for the modification and offer me the option to surrender my home or do a short sale I have appealed the decision and posted the copy below.
Thanks for assisting me save my home Emailed sent to PHH mortgage XX/XX/XXXX Hi XXXX, I am writing to appeal the decision of PHH to nullify the mortgage modification. As stated before, I never had an issue making my mortgage payments. It was PHH decision to refuse to accept the preceding monthly payments when Ocwen reported the previous month 's payment ( XX/XX/XXXX ) was not received ; and though I sent information and proof to PHH that the money order for the XXXX 's payment had been cashed by Ocwen, yet still no investigation and communication was sent concerning the information and proof ' but PHH continues the return of all preceding payments I made on the mortgage.
The mortgage modification granted me the opportunity to meet the monthly mortgage obligations and other basic needs.
In spite of the various life challenges, I am constantly seeking opportunities to improve my financial situation. Currently, I have applied for a scholarship that will enable me to increase my income capacity ( see below email correspondence ) I am hoping that PHH will reconsider its decision to force my home into foreclosure, allow me to improve my financial situation and pay off the mortgage.
Thanks for responding XXXX XXXX XXXX XXXX Thu XX/XX/XXXX XXXX XXXX XXXX CAUTION : This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
Thank you for your interest in applying for the Workforce Innovation and Opportunity Act ( WIOA ) Training Scholarship. We have received your application and will begin its review.
This is the first step in determining your eligibility and suitability and is no guarantee that you will acquire this scholarship.
You will receive further information by email from one of our Career Consultants within the next three to four business days.
If you do not, please be sure to check your email spam folder.
Regards, The Career Development Unit Please Note and read carefully : Florida has a very broad public records law. Most written communications to or from XXXX XXXX XXXX County are public records available to the public and media upon request. Your email communications may therefore be subject to public disclosure
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| 09/13/2018 |
Yes |
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- Trouble during payment process
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Web |
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Since early XX/XX/XXXX, the Save our Home AZ program ( part of HAMP ) was assisting me with paying my mortgage payment to Ocwen. I received a payment history two days ago. I reviewed it and Ocwen has been charging so many fees during the last three years. They even charged me for five property inspections ( drive by appraisals ) in less than four weeks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX @ {$20.00} each inspection.
They charged late fees for every month of {$53.00}. On XX/XX/XXXX, even though payments were being made every month, they ran a title search and charged it to me in the amount of {$870.00}. The had ignored the fact that the other person on this mortgage had declared bankruptcy 3 years ago, yet they kept him on the mortgage and continued to harass him. He had filed a quit claim deed which I had told them about at the time. On XX/XX/XXXX, even though payments were being made every month by the Save our home AZ program and myself, they filed for a Trustee fee of {$810.00}, another property inspection fee of XXXX, a notice of sale of {$30.00} and another property inspection fee of {$20.00} and charged this all to me. As I stated, this was while payments were made regularly for months. During every month while payments were being made, they continued to charge {$20.00} property inspection fees starting with XX/XX/XXXX, all payments were made every month until XX/XX/XXXX, but they continued to charge late charges, property inspection fees ( XX/XX/XXXX and XX/XX/XXXX two inspection fees ), title search, trustees sale, Statutory mailing fee, they have even charged for what appears to be a full appraisal fee in XXXX, however no one has come on the property for which I am aware.
Three weeks ago, I discovered that Ocwen had reported to all credit bureaus that I had declared bankruptcy. This is not true. I contacted them and insisted they correct this information with all three credit bureaus. They then reported to the credit bureaus that I had declared foreclosure. This is also untrue. I tried to get them to delay the foreclosure for next week XX/XX/XXXX so I could get my credit reports straightened out and get a loan modification but they will not. As soon as the Save our Home AZ stopped assisting me with the payments, Ocwen filed for a foreclosure. I called them in XXXX to find out what the payment would be and they told me it would be XXXX. They wanted the six months of delinquent payments from two years ago. When we signed on with the Save our Home AZ, there were two options. You could elect to bring the mortgage current and get one additional year of assistance or you could elect to not bring the mortgage current and get two years of assistance. Someone at closing suggested we may want to choose the two years of assistance. Not knowing much about it, we selected the two years of assistance. I asked someone at closing, would the mortgage company do something about the six months of delinquency and she said she didn't have any information. I know now that I should have been better informed. I have lived in my home for 20 years. I bought it brand new. Also, I'm fighting a critical illness, was hospitalized in XXXX and XXXX. I'm just now able to walk around and be out of bed for any length of time. My husband is XXXX with a complicated XXXX XXXX. This is a real hardship for us. Our original mortgage was not with Ocwen but when these loans are transferred, you have no choice. I hope you can help us, but I'm probably going to have to file bankruptcy now just to get a little more time and will still have to go through foreclosure. Thank you.
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| 01/15/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Let me start off by saying I submitted a Quit Claim Deed to have my mother removed off of my mortgage in XX/XX/XXXX or XX/XX/XXXX possibly before then and never received confirmation that the process was completed and my mothers name is no longer on the paper work and signature no longer required for documents. I was called by I requested a modification in XX/XX/XXXX and it was finally approved to begin trial payments XX/XX/XXXX. I completed all trial period payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Starting in XX/XX/XXXX I called PHH to follow up on the approval of the modification and was advised it could take 30 days to get a final decision. I called in several times and each time I asked if I should be making a payment and was told not during the review period. After months of not hearing from my Account Relationship manager XXXX XXXX ID # XXXX, I get a call last week to tell me the modification was denied because of a missing signature from my mother. I have called in and requested to speak to this man and never got a call back. He then proceeds to tell me that the modification can be reversed if I can make a payment for over {$3000.00} by the end of XX/XX/XXXX. I advised him of the Quit Claim Deed and there should never have been a second signature requirement and he was not able to assist me. The first time I called him was last week after he called me I asked for a call back and was told he would call the next day and a whole week went by without a return call after it was emailed to him by the rep I spoke with. I called him back on XX/XX/XXXX and he was not able to assist and after several requests for a supervisor he transferred the call to XXXX XXXX ID # XXXX, who reviews my chart after I had to yet again explain the reason for the call. She tells me she can see that the quit Claim Deed has been received, but does not know why it was not processed and the name removed from the account. XXXX tells me she will call me back tomorrow after reviewing and following up on the Quit Claim Deed. I did not receive a call back by XXXX CST on XX/XX/XXXX so I called back to PHH, XXXX XXXX ID # XXXX answered the call, transferred me to XXXX XXXX ID XXXX XXXX, who transferred me to XXXX XXXX ID # XXXX who told me his manager was not available and she would call me back as promised by the end of the day. At this point I am irritated to say the least and I refused to get off the call without speaking to a manager. XXXX about 10-12 mins I finally get transferred to XXXX who again proceeds to tell me she is still reviewing the issue with the Quit Claim Deed and I can overturn the modification by paying over {$3000.00}. First of all the modification should have never been denied and I was advised by your company not to make any payments. XXXX told me that the company will not accept payments while a modification is in review they would have rejected them if you had tried to pay so the rep was correct to tell you not to pay. I asked for her manager and the call dropped. She called back about 5 mins later and the call ended up dropping again. I will be filing a formal complaint with the mortgage department for the State of Texas. This is a nightmare to deal with. Then on top of all of that I get a letter in the mail on yesterday that my home is being moved into foreclosure, but you want to call me back 24-48 hours after an issue is found like there is no urgency to the issue. I was alos told I could request another modification ad it would take 2-6 days for it to be received via email. The treatment I have received from PHH is just as bad as when I was with Ocwen!! XXXX
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| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XX/XX/XXXX PHH Mortgage/Ocwen # XXXX XXXX XXXX | Sales Manager, Direct Lending Sales PHH Mortgage Corporation NMLS # XXXX XXXX XXXX XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX Toll Free : XXXX ext. XXXX Fax : XXXX XXXX XXXX Good Morning XXXX, I am seeking relief and I want this email to go on record as a formal compliant against XXXX XXXX ( Sales Manager ) and PHH/OCWEN Mortgage Company, and their Direct Lending Sales Department. XXXX XXXX has failed to process my application XXXX in a timely manner. I applied for refinance loan in early XX/XX/XXXX and as of today my loan has not been approved and move to the next step in the closing process. I have provided and submitted all legal and requested documents to XXXX XXXX, my Loan Officer, who was very proactive in assisting me in processing my application and assuring me all necessary documents were submitted. As of XX/XX/XXXX I have not been scheduled for closing. On XX/XX/XXXX I received a call from another processor, XXXX XXXX, stating XXXX XXXX is no longer with the company and she has been assigned to my application. I was informed that XXXX XXXX was not aware of of XXXX XXXX departure.
Ms. XXXX requested my last paystub and a letter verifying I no longer lived at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. I told her XXXX XXXX XXXX XXXX is a rental unit that I moved out of 20 years ago. Never the less, on XX/XX/XXXX I submitted to XXXX XXXX my last paystub and a document stating I no longer live at the XXXX XXXX XXXX address. I have no idea what significance this has to the process and approval of my application. I have applied for refinance before and worked as a loan officer/processor during my career but have never asked an applicant to verify in writing a 20 year old address from their credit report. Is this a discrimination tactic used to eliminate applicants?
I am at a breaking point with the " I'm sorry about the delay in processing '' from the Direct Sales Department, but sorry does not justify the three months delay or why I have not been scheduled for closing after I have submitted all requested legal documents. The sales manager was not aware her employee who was working on my application departed the company. I strongly believe this department should be reviewed for production errors as well as corporate codes of ethical conduct. I experienced similar unfair treatment with this lender back in XXXX when XXXX, along with XXXX XXXX XXXX, failed to process and denied my loan modification request which resulted in a class action suit. The courts, along with the Department of Justice, ruled in my favor to have the loan forgiven. I do not want to experience another nightmare with this company.
During this COVID-19 pandemic it is important for organizations who are in position to work closely with the public by providing financial assistance and/or emotional assistance to be considerate and mindful of the decisions they make when it comes to others lives. I have gone over and beyond reasonable requirements by submitting all requested and legal documents to the loan officer, loan processor and the underwriter but I'm being asked to submit the same documents I submitted two weeks or two months ago all over again.
On XX/XX/XXXX, I was told by my Loan Officer XXXX XXXX, there was no more additional information needed at this point. I would really appreciate if someone other than the Sales Department of PHH /OCWEN would assist me in addressing my concerns. I can be reached via email or by cell XXXX.
Cc.
Consumer Financial Protection Bureau Congresswoman XXXX XXXX XXXX Department of Housing Investigative Unit
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| 07/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Please accept this as a formal complaint against Ocwen Loan Servicing , LLC for failure to abide by reasonable credit reporting standards to fix the credit errors. It is unfair and deceptive practice of OCWEN to request all necessary information for their investigation, and to still have our compliant as an unresolved matter. The original submission of our complaint to Ocwen was on XXXX/XXXX/XXXX and Ocwen made the first day of the investigation, effective XXXX once it was taken over by a different department, Office of Consumer Ombudsman at Ocwen. It has now taken 57 days and the issue is still unresolved. Please note my written request, per their instruction, was submitted XXXX/XXXX/XXXX ; as of today, XXXX/XXXX/XXXX, I have yet to receive a resolution from Ocwen. For your reference, please note the following : On XXXX XXXX, XXXX, I purchased a single family property located at : XXXX XXXX XXXX XXXX, CA XXXX, XXXX # XXXX with a first loan in the amount of {$430000.00} through XXXX XXXX XXXX Mortgage and a second loan with XXXX XXXX XXXX in the amount of {$100000.00}. Approximately one month later after funding the loan, XXXX XXXX sold the servicing rights to XXXX Mortgage which was subsequently sold to GMAC in or around XXXX. GMAC filed for bankruptcy and the remaining assets were acquired by Ocwen in or around XXXX including my loan, account number # XXXX. On XXXX XXXX, XXXX, I short sold the property located at XXXX XXXX XXXX XXXX, CA XXXX ( Ocwen 's records show XXXX XXXX XXXX XXXX XXXX, CA XXXX, and should say " XXXX '' ) ; however, this did not report accurately on my credit report and it was found that as of XXXX XXXX, XXXX, the balance of the second loan is still reflected on my credit report. My wife and I are currently in the process of obtaining a full conditional approval for a mortgage loan through XXXX XXXX XXXX Mortgage. Due to the fact that Ocwen is still on my credit report, we have not received the approval and this is negatively impacting my XXXX score as the balance shows unpaid. I escalated the matter to Ocwen 's Office of the Consumer Ombudsman on XXXX/XXXX/XXXX and have provided all legal and recorded documentation indicating that as of XXXX/XXXX/XXXX I am no longer responsible for this property. A copy of The Substitute of Trustee & Deed of Full Reconveyance filed XXXX XXXX, XXXX with the County of XXXX XXXX by XXXX XXXX XXXX followed by the Full Reconveyance filed XXXX XXXX, XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage have all been provided and are in possession of Ocwen. To help speed the resolution process, I also provided copies of the outgoing wire sent by the Title Company to GMAC, the escrow settlement statement and the short sale approval letters. The loan that i had with GMAC and loan records should not have been sent to Ocwen for credit reporting. I am respectfully requesting Ocwen to provide proof that the loan is no longer in my name, have their records updated accordingly and also this matter be reflected on my credit report, having it backdated to the respective XXXX timeframe. I have provided all the necessary documentation and more than complied with all their request. It is unfair to me and my family that this matter has not been resolved and that we continue to miss out on good opportunities to purchase a home. I kindly ask that you please hold Ocwen and its executive office accountable for their actions. I have no choice but to escalate this complaint through your regulatory agency, who has jurisdiction over credit reporting matters. Thank you for your time and attention to this matter. See all attachments.
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| 06/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My loan is not delinquent and yet on XXXX XXXX, I received the following letter from Ocwen Loan Servicing , LLC, dated XXXX/XXXX/2015. My payments are always made online and the servicing company always provides receipts of such payments, which are made within the month in which they are due but not beyond.
PAST DUE NOTICEDear Customer ( s ), XXXX ( What does this mean??? ).
At Ocwen, we strive to provide service that will exceed your expectations. Having complete and accurate information is the first step in ensuring you receive this service. We are here to build a mutually beneficial relationship, rectify any problems, resolve any issues, and assist you with your needs. Therefore, we are sending you this letter to inform you that our records indicate that your mortgage loan payment due on XXXX/XXXX/2015 has not yet been received, and unfortunately, your payment is past due.
A late charge has been assessed on your account, which will reflect in the CURRENT AMOUNT DUE as of XXXX/XXXX/2015. You are required to pay this late charge, unless you can document that the payment was made in full and on time.
ITEMIZATION OF CURRENT AMOUNT DUE ( Table listed with amounts ).
It is very important that you pay the CURRENT AMOUNT DUE immediately as this delinquency (? ) may result in adverse credit reporting and/or a formal demand for all amounts due on your loan (? ). Payments must be made by Money Gram, Check or Money Order and made payable to Ocwen Loan Servicing , LLC . Please send all payments through XXXX of the methods below : PAYMENT REMITTANCE INFORMATION ( addresses for XXXX, Overnight Address and Via Regular Mail provided ).
Failure to bring your account current may result in our election to excercise our right to foreclose on your property. Upon acceleration, your total obligation will be immediately due and payable without further demand. ( This paragraph is an actual threat when there is no actual delinquency existing! ).
If you are unable to make your payments, please contact our Customer Care Center immediately at ( XXXX ) XXXX to request a meeting with an associate to discuss mortgage assistance options and explore options to avoid foreclosure (? ). We have enclosed a list of documentation you may want to have available before you call ( Which documentations??? ). Associates are available to assist you XXXX to XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX to XXXX XXXX and Sunday XXXX XXXX to XXXX XXXX ET. ( I saught assistance numerous times to attain a reduction in the current excessive rate of 7.938 % to no avail and therefore why this statement? ).
Additionally, a HUD counseling agency mat be able to provide you with assistance. To locate the HUD approved counseling agency in your area, call the HUD Housing Counseling at ( XXXX ) XXXX or consult HUD 's XXXX at XXXX.
Ocwen will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized representatives of our customers. However, we will release information once your written authorization has been obtained, as required by law.
If you have the desire to remedy this situation, we want to assist you in trying to reach that goal. OCWEN would like to present you with some of the alternatives that might be available regarding your delinquent mortgage loan ( is it actually delinquent? ). While our primary objective is the collection of past due amounts on your loan, we want to work with you to find the best available alternative for you to bring your morthgae loan obligation current.
Please visit our wbesite at ... .where you can review your account and enter you fina
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| 10/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
|
WE REQUEST THAT OCWEN LOAN SERVICING RESPOND TO THIS COMPLAINT ONLY!
Documents reflect, on XXXX XXXX XXXX, Ocwen Loan Servicing created an assignment of Deed of Trust for XXXX. This document reflects that XXXX assigned this Deed of Trust to XXXX Per Ocwen in another CFPB complaint ( XXXX ), they stated ; " the owner of the loan is XXXX XXXX, as trustee for XXXX Mortgage Loan trust XXXX ''. Now, on XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) stated in an email ; " in addition to the positive findings in the XXXX XXXX trust, the signer of assignment of the Deed of Trust is an assignee agent employee, XXXX XXXX, who states his position as a XXXX assigning officer without disclosure of his true role. The document was also recorded on XXXX/XXXX/XXXX, approximately eight years after the closing date XXXX/XXXX/XXXX and was not signed by the required Depositor XXXX in violation of S.E.C governing documents ''. Per the XXXX website, they stated that from the point of view of XXXX XXXX there can be no foreclosure of a mortgage without the party claiming rights under the mortgage showing that they purchased the mortgage for value. Then, I contacted the State of Florida notary division and requested documents on XXXX XXXX who sign the Assignment of Deed of Trust along with XXXX XXXX, the notary that notarized this document! On XXXX XXXX XXXX, we received a letter from the Florida Department of State dated XXXX XXXX XXXX. Per the application that XXXX XXXX filed with the State of Florida reflects that XXXX XXXX works for Ocwen Loan Servicing LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX date of birth is XXXX/XXXX/XXXX, Florida drivers license XXXX. XXXX XXXX also filed a State of Florida XXXX XXXX XXXX XXXX form which reflects the surety company that has the bond with is XXXX XXXX XXXX XXXX XXXX of XXXX. Per the State of Florida website, it reflects that XXXX XXXX has a notary, ID # XXXX, issued on XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX and the bonding agent is XXXX XXXX Bonding. Per the State of Florida documents, XXXX XXXX who notarized this document works for Ocwen Loan Servicing at the same address as mentioned above. XXXX XXXX date of birth is XXXX/XXXX/XXXX and his Florida driver 's license number is XXXX. XXXX XXXX also filed a State of Florida XXXX XXXX XXXX XXXX form which reflects the surety company that has the bond is also with XXXX XXXX XXXX XXXX XXXX of XXXX. Per the State of Florida website, it reflects that XXXX XXXX has a notary, ID # XXXX, issued on XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX and the bonding agent is XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX both work together at Ocwen, got there notaries at the same time for Ocwen Loan Servicing benefit! This is a clear violation of the use of State notary stamps which is against the law when used unlawfully! On XXXX XXXX XXXX, I filed a complaint with the Office of the Governor Notary section in Florida against XXXX XXXX and XXXX XXXX who work for Ocwen loan Servicing! Per a federal judge, XXXX. a private company known as XXXX and owned by large banks and mortgage processors, can not act as an agent of the banks that own mortgages, wrote XXXX XXXX XXXX. This statement means that XXXX can not transfer mortgages! The only company that can transfer a mortgage is the current investor only! Per XXXX states in item " XXXX '', poorly drafted mortgages, " here is an example of an absurdly drafted mortgage from the public records of Florida. Item C states ; XXXX is XXXX. XXXX is a separate corporation that is acting solely as a nominee for lender and lenders suc
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| 03/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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PLEASE NOTE THAT I ONLY HAD THE CHOICE OF XXXX COMPANY BUT THIS COMPLAINT IS AGAINST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reasons to believe that the documentation used to file a foreclosure action against me are fraudulent. The Assignment of Mortgage that supposedly assigns the mortgage to the Plaintiff in the case, XXXX XXXX XXXX XXXX, is fraudulent for the following reasons : 1. Assignment assigns the mortgage on XXXX XXXX, XXXX to XXXX XXXX trust. This is not possible because this trust closed in XXXX XXXX. Two years prior to the assignment of mortgage.
2. The assignment assigns the mortgage to the trust approximately 20 days AFTER the filing of the XXXX XXXX to Foreclosure and the Foreclosure Complaint. This would make it impossible for the current plaintiff, XXXX.
Bank XXXX XXXX, to file the complaint because they would not have had standing at the time they filed the complaint.
3. The assignment has a clause backdating the date it was filed in order to serve their purpose. This is considered fraud specially when the Note bears no date to show that in fact that note was assigned on the backdated date. Backdating an assignment is a fraud and would make it null and void.
4. The assignment of mortgage was signed by XXXX XXXX and notarized by XXXX XXXX XXXX, known robosigners.
5. The assignment of mortgage was prepared and filed by XXXX XXXX XXXX, foreclosure mill attorney who was disbarred for using fraudulent documents to file foreclosure complaints.
6. In searching the XXXX records for XXXX XXXX, the mortgage loan in question does not appear anywhere in the mortgage loan tape of the loans that were part of the XXXX XXXX trust.
7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the foreclosure process in XXXX they provided a note which was endorsed and it stated : Pay to the order of XXXX Bank XXXX XXXX as trustee for XXXX XXXX without recourse and signed by XXXX XXXX. 5 YEARS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided to bankruptcy court during my bankruptcy a note with a blank endorsement. This is after an original with an endorsement had been provided to the court. Honestly they must have magical powers to be able to remove and endorsement that is endorsed to XXXX Bank XXXX XXXX as trustee for XXXX XXXX and then 5 years later the note that is provided in Federal court has a blank endorsement and not endorsed to anyone. Again, this is fraud. I sent letters to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Bank XXXX XXXX, the judges presiding over my case, the Chief Judge and the Foreclosure Administrative Judge and to the clerk of XXXX XXXX XXXX Courts requesting a full investigation of these allegations and requesting proof that they in fact own said mortgage but have never received complete and concrete answers to any of my suspicions nor has an investigation been done on my land records or court records. Although I have requested answers and clear and definite proof with documentation as to their ownership of said mortgage and note to date, my questions have not been answered and no documentation showing clear and definite proof of their ownership of said mortgage loan has ever been provided. I keep on getting the runaround from everyone and all they do is response with things like, it is legal to backdate an assignment of mortgage or there is no fraud. I am attaching a letter that I sent to XXXX XXXX XXXX Mortgage Fraud Department with all my concerns. None of my concerns have been addressed nor have they provided any documentation proving that they are in fact the owners of said mortgage and note.
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| 04/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We are writing to dispute the decision Ocwen/XXXX has made repeatedly denying us a modification on our loan and we are challenging the decision as to the reason of our modification being denied as well as our appeal to the reasoning of their decision on the reason for Ocwen 's denial of the modification. It was determined by Ocwen/XXXX denying us a modification because Ocwen/XXXX does not allow more than one modification per loan within a 2 year period. We contacted Ocwen and spoke with XXXX XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ) on XXXX XXXX and XXXX XXXX as well as several other representatives and asked them to provide us with documentation showing that we were officially modified within the 2 year period. After researching our claim, Ocwen representatives confirmed that we were never officially modified on this loan. After researching the history of our loan, they did identify, which we confirm, that back in XXXX 2014 we were accepted into a pre-modification trial period in which we made three monthly payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). After the three pre-modification payments, we received a letter ( see attached document ) stating that we were accepted into a permanent modification as long as these terms were met : sign and notarize these forms and return with the XX/XX/XXXX monthly payment. This is where the misrepresentation of Ocwen occured. Our relationship manager XXXX XXXX conveyed to us that Ocwen was upgrading their computer system and they were unable accept any payments on our account and/or verify that the modification was officially accepted. He told us that when the computer system upgrade was completed, he would be able to tell us if/when our modification was approved and when we can begin making payments. In the interim, we mailed in payments that we lost and never posted to our account and Ocwen opened up a research to find those payments. We continued to request to make payments over the phone and online ( or any possible means ) while they researched our missing mailed payments and they told us that the system was still down and they could not take a payment from us in either XX/XX/XXXX or XX/XX/XXXX and could not even confirm that our modification was approved. In that time we received this letter ( see attached XXXX XXXX stating that we were over 500 days past due/delinquent. Ocwen 's records confirmed that we were not modified. See attached monthly statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If we had been modified the past due would have reflected XXXX. Our representative XXXX XXXX said " i do n't know what 's going on with this account but he assured us that when the system upgrades we would be due for one payment. More times than one on the phone with Ocwen representatives they kept saying their computers were down. We insisted on making a payment and following Ocwen 's instructions and payment amount, wired our payment and it accepted and then was reversed 10 days later ( see bank statement attached ). Ocwen could not even tell us why our payment was reversed ; they did not know why accept that their computers were down. Given all the documentation we are providing, and Ocwen representatives telling us we were not permanently modified, we feel were denied our modification unjustly and we request that we should be accepted into a pre-modification period and move forward. We look forward to you researching our claim and hearing back from you and a resolution with Ocwen. Ocwen says that their conversations are recorded, please request to listen to the tapes of these conversations with Ocwen representatives.
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| 03/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
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I obtained a second mortgage on my house ( which I have owned for 26 years ) through my then brokerage firm, XXXX XXXX ( XXXX ). The loan was sold in approximately XXXX and Owen Loan Servicing was the servicer of the new loan. I called Owen when the loan was sold, and they assured me that all I needed to do was to keep making payments as I had been doing. The process with XXXX was easy and automatic. My broker never went into the real details of the loan. I was required to make interest only payments. What was not made clear, was the loan had a set term and would be called due in full at a certain date. I understood that seconds have a draw and then a pay down period. The second was called for full payment on XXXX/XXXX/XXXX. I called Owen to determine if there was a next step. The customer service representative at Owen suggested I apply for a " loan modification. '' I had every confidence that this was the right course of action. I thought I would keep paying on the loan and eventually pay the loan off, of course. I sent a payment in after my loan was called and Owen sent it back. I was stunned. I called Owen and they said that I could no longer make payments because I did n't have a payment agreement. I continued in good faith with the loan modification process, which I was wrongly put into in XXXX XXXX. After numerous requests for additional documentation, which stretched from XXXX to XXXX, XXXX, I was DENIED. I could n't believe it. In fact, the last letter from Owen dated XXXX/XXXX/XXXX asked for information regarding the Profit Loss Statement from my small consulting practice. I had already given them XXXX Profit Loss statements. I called and ALL the needed was a signature on the last Profit Loss statement. Then I received a letter on XXXX/XXXX/XXXX saying I was Denied because " the owner of your loan does not allow loan modifications. '' I was told, in writing, the owner of the loan was XXXX Bank. I called XXXX Bank and they told me that they DO allow loan modifications. However, they had no record of my loan. I called Owen back and Owen could find no record of my XXXX loan no. i became quite upset, my call was escalated and they said my loan holder was XXXX XXXX Bank. I found that XXXX XXXX Bank no longer exists. Up until XXXX XXXX, I fully believed that my " loan " modification process '' with Owen was conducted in good faith and would be successful. After all, all they needed was a SIGNATURE on the last document request. This has been a very frustrating and demoralizing experience, as you can imagine. I just want to make my mortgage payments and go on with my life. Unknown to me during this time, and MOST problematic, was that Owen had been reporting late payments to credit bureaus. Which I now understand is called a " rolling late. '' This rolling late has caused my credit scores to plummet and make it nearly impossible to obtain refinancing. Also, because Owen would not allow me to keep making payments during this period, I have now accrued interest on interest. I am trying to refinance this second with another lender, however, lenders will not accept refinancing with even XXXX late mortgage payment within a 12 month period. I feel like a " pawn '' stuck in the XXXX XXXX. My entire problem started with the first customer service representative that wrongly put me in a " loan modification process. '' I ask that you help me with this situation so that I can obtain a loan with a different lender. At this point Owen has hamstrung me! I have read many horror stories online about Owen putting other decent people in the exact same situation. Thank You.
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| 05/25/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
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Please see word document : Fraud of securitization with the intent to defraud the government and consumer. Ocwen purchased a loan with the knowledge of defrauding the consumer they stop taking payment as in Unemployment Forbearance in XXXX. Ocwen did not submit the transfer until XXXX Ocwen sent the modification XXXX and there were problems with the modification it was not the modification I requested. I requested the Hamp II modification. Ocwen sent a letter in the middle of an escalation stating I miss my first payment for the XXXX modification that was never approved by Ocwen or myself. I was told XXXX they cancel the modification and was resubmitting it for the HAMP II modification. I requested for them to resend the inhouse modification sent in XXXX just in case the HAMP II did not go through, I did not receive the in-house modification until XX/XX/XXXX. Ocwen sent the modification after the due date of XX/XX/XXXX and sent me a letter in XXXX stating I miss the first payment. I did not even have the modification. Predatory lending-not fixing the loan amount and bankruptcy attorney had to file several motion to obtain the correct mortgage amount. Capitalization- of the loan by refusing to offer HAMP II allowing the loan to accruing fees and high interest rate.To increase the amount of the loan and the worth of the property. Fraud of transfers of promissory note no one know who holds the note Ocwen can not prove they hold the promissory note and states a group of investors who do not hole mortgages. They stated XXXX XXXX who never notified me they were the new holder of my property.Not sure it seems the took over from MortgageIT. Who they states is my mortgage company now in the present this can not be if they sold to XXXX XXXX. Mortgage it has not been my mortgage company since XXXX. They are trying to sale the house quickly in a non Judicial foreclosure sale with out the correct notification and documentation. They violated the Texas foreclosure laws by posting the home for sale before notifying the consumer. I found out only by consumers who wanted to purchase the house. I was not certified until after I called Ocwen and they stated they did not know a foreclosure sale was on the home. They contacted the substitute trustee who does not hold the promissory note who informed the company Yes there is a Foreclosure sale date on the house and Ocwen does not know about the sales date. Ocwen continue denial of the HAMP II modification who kept asking for payroll documentation. When supplied with the payroll they would come back and asked for YTD information that was on the pay-stub. Complaint is about USC 2605 Transfer a ) Disclosure to applicant relating to assignment, sale, or transfer of loan servicing Each person who makes a federally related mortgage loan shall disclose to each person who applies for the loan, at the time of application for the loan, whether the servicing of the loan may be assigned, sold, or transferred to any other person at any time while the loan is outstanding. ( b ) Notice by transferor of loan servicing at time of transfer ( 1 ) Notice requirement Each servicer of any federally related mortgage loan shall notify the borrower in writing of any assignment, sale, or transfer of the servicing of the loan to any other person. ( 2 ) Time of notice ( A ) In general Except as provided under subparagraphs ( B ) and ( C ), the notice required under paragraph ( 1 ) shall be made to the borrower not less than 15 days before the effective date of transfer of the servicing of the mortgage loan ( with respect to which such notice is made ).
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| 04/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
|
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On Tuesday, XXXX, 2014 XXXX, Complaints Office XXXX & lt ; XXXX XXXX ; wrote : Dear Ms. XXXX : In your correspondence below, you asserted that Indymac and Ocwen failed to grant you an affordable loan modification. You feel the lenders discriminated based on your age and XXXX.
The Consumer Financial Protection Bureau ( CFPB ) is the federal agency which accepts complaints about consumer financial products and services. The CFPB accepts complaints regarding problems with the mortgage process : applying for a loan, receiving a credit offer, signing the agreement ( including the settlement process and costs ), making payments, and problems when you are unable to pay for your loan ( loan modification, collection, and foreclosure ). You can reach the CFPB at the following address : Consumer Financial Protection Bureau XXXX, Iowa XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Online complaints : http : //www.consumerfinance.gov/complaint/ http : //www.consumerfinance.gov/ We also recommend that you contact a HUD-approved housing counselor for assistance with your loan modification. This is a free or low-cost service. A recently released U.S. Department of Housing and Urban Development study said that with a counselor 's help, nearly 70 percent of those who sought housing counseling obtained a mortgage remedy to retain their home and 56 percent cured their defaults and became current on their mortgages. You can find a HUD-approved housing counseling agency in your area at the following link : XXXX XXXX We acknowledge your assertion that the lenders discriminated based on age and XXXX. Please be advised that housing decisions based upon age are subject to federal fair housing laws only if the respondent you are complaining about is a recipient of federal funding. The respondents you identified in your correspondence are not federally funded. Although you identified yourself as a person with XXXX, you did not describe any connection between your XXXX status and the lenders ' actions. The sole fact that you have XXXX is not sufficient to bring this matter within the scope of the Fair Housing Act. We do not have jurisdiction over the issues you have described.
Please contact the offices listed above for assistance. We can take no further action regarding your correspondence.
From : XXXX [ mailto : XXXX ] Sent : Monday, XXXX, 2014 XXXX To : Complaints Office XXXX Subject : HUD Fair Housing Complaint - XXXX Personal Information : First Name : XXXX Last Name : XXXX E-Mail : XXXX Address : XXXX XXXX : XXXX State : GA Zip : XXXX Day Time Phone : XXXX Evening Phone : XXXX Best Time To Call : XXXX Who do you believe discriminated against you? : First Name : XXXX???
Last Name : Ocwen Organization : Indymac/Ocwen Address : florida Where did the alleged act of discrimination occur? : Address : XXXX City : XXXX State : GA Zip : XXXX First Contact Information : 1. First Name : XXXX Last Name : XXXX Organization : Day Time Phone : XXXX Evening Phone : Best Time To Call : XXXX Second Contact Information : 2. First Name : Last Name : Organization : Day Time Phone : Evening Phone : Best Time To Call : Day What happened? : This concerns two mortgage companies the first Indymac, I had advised I had recently been diagnosed with an XXXX and had lost out on work. The mortgage got behind and I had sent in paperwork showing my income had declined and so had the co-borrower XXXX. Indymac stated that even though I had submitted the paperwork that did not mean that our home was safe from foreclosuer. This stressed me out so much but I did n't know what to do. XXXX than went to his emp
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| 10/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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Despite the CFPB ruling against Ocwen Loan Servicing LLC, in XXXX XXXX, this company is still illegally foreclosing on consumers. I am now XXXX their most recent victims.
Ocwen Loan Servicing , LLC filed for foreclosure on my house and was awarded summary judgment with fraudulent paperwork. The property has been under foreclosure since XXXX. A different loan servicer sued for foreclosure and the case was dropped due to lack of prosecution. The house has been under XXXX different loan servicers, since the life of the mortgage loan. Ocwen Loan Servicing , LLC claims to be the new servicer of the loan and filed for foreclosure on the home and on XXXX XXXX, XXXX the Ocwen was granted a foreclosure summary judgment by a lower court in New Jersey. They won the summary judgment by submitting an affidavit of someone named " XXXX XXXX '' who is allegedly a " contract management coordinator '' for Ocwen Loan Servicing LLC . The company did not provide a certified copy of the original note on the home. Instead, they provided an assignment of the mortgage along with the XXXX XXXX Affidavit. The assignment of mortgage provided in the XXXX XXXX Affidavit does not even contain the name " Ocwen Loan Servicing LLC '' and it does not state on what date Ocwen Loan Servicing LLC was given servicing rights by the note holder. I defended myself as pro-se. I filed motions against their lawyer 's motion for summary judgment and I brought up these issues of material facts with the affidavit and the assignment of the loan. The judge, in New Jersey, dismissed my arguments and granted summary judgment to Ocwen Loan Servicing LLC .
On XXXX XXXX, XXXX, I paid {$250.00} for the court transcripts of the case and proceeded to file a notice of appeal with the New Jersey XXXX Division along with a deposit of {$300.00} to file my case. The Judge that ruled on this case remanded the case to the office of foreclosure in New Jersey, so I was advised by the New Jersey XXXX that case has not been finalized and so I need to file a motion to leave for appeal. I am in the process of filing my motion to leave for appeal.
I am aware that I owe the money on this home and I am aware that the house is under foreclosure. Those are facts. The reason I went under foreclosure is because XXXX the previous servicers, American Home Mortgage Servicing , Inc. ( AHMSI ) trippled my mortgage by raising my interest rates and opening a escrow for my taxes.
I am aware that CFPB recently ordered Ocwen Loan Servicing LLC to reduce mortgages on consumers by {$2.00} XXXX and ordered them to pay {$120.00} XXXX to about XXXX home owners that have been foreclosed upon illegally. This agency also specifically accused Ocwen Loan servicing , LLC of " Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information. '' The " XXXX XXXX affidavit '' that has been used in my case seems to be another " robo-signed '' affidavit and they won their foreclosure case with this affidavit.
This is property was an investment property for my retirement. I am a XXXX, retired, XXXX woman. I do n't want to lose what 's left of my savings as a result of an illegal foreclosure. I am afraid that Ocwen will win and the real note holder or real loan servicer will sue me again. I will do whatever I can to appeal this decision, but it is costing me a lot of time and a lot of money to defend myself against this company.
Ocwen Loan Servicing , LLC has not ceased their predatory practices against consumers.
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| 06/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have been working feverishly on a short sale for my client. His servicer is Ocwen. They cancelled us out back in XXXX / XXXX XXXX when we needed an extension. When reviewing for the extension they said he no longer qualified for HAFA because it was too close to the foreclosure sale date. And in order to qualify the sale date would have to be 90 days out. In XXXX XXXX, XXXX, Ocwen postponed the foreclosure sale date to XXXX/XXXX/XXXX which allowed us enough time to process for HAFA. I submitted the same package but with updated financials on XXXX/XXXX/XXXX. They began processing. I supplied all the required items. Then in XXXX XXXX they ordered a new appraisal. Appraisal came in at the same value as it was previously. In XXXX, Ocwen also made a change to the address within their system changng it from legal description of XXXX. This required us to resubmit paperwork with a new address. They ended up allowing it to remain on my paperwork as XXXX. But still required me to resubmit the entire packag again. They mademe do this multiple times. With different reason given as to why. In XXXX Ocwen requested an update Unpaid Principal Balance statement from the second mortgage company. I finally was able to obtain the UPB and sent to Ocwen as soon as I received it. This is when they finally reviewed the file in its entirety, even though prior to this point they had everything they needed to review and approve. Also, in XXXX XXXX Ocwen told me that it was against the HAFA guidelines that a buyer/real estate broker to contribute funds towards the 2nd lien. We were able to get past that and moved forward with that issue. Then on XXXX XXXX, I called to get an update on the file. The guy ( XXXX ) I spoke to said it looked like the quality team is going to deny the current offer price because the current offer price was n't going to net them as much as a foreclosure sale would net them ( Ocwen ). But that, that note was not official yet. On XXXX XXXX, I received an email with a letter attached stating that our price was in fact not acceptable but that we could submit a higher offer. On XX/XX/XXXX, I spoke to XXXX @ Ocwen and rquested what amont I needed to counter the buyer at. Hetold me thata purchase closer to {$98000.00} or a minimum acceptable net proceeds of {$63000.00}. I worked with the buyer 's agent and the buyer 's agreed to pay a higher price so that Ocwen would approve. I sent the paperwork over to Ocwen on XXXX/XXXX/XXXX. Knowing it takes them 24-48 hours to process paperwork I called on XXXX/XXXX/XXXX to follow up with if they received the paperwork and if there were any updated notes. I was told the documents were still in review. I called again on XXXX/XXXX/XXXX - 10 days from our sale date because I am trying to get an approval to close this file - This is when I was told by XXXX @ Ocwen that management is requesting the removal of the {$10000.00} relocation incentive to the seller because we were to close to the foreclosure sale date for the seller to get a relocation incentive. I sent over a revised settlement statement minutes after getting off the phone with XXXX. I called this morning XXXX/XXXX/XXXX to verify if the revised settlement statement was received. I spoke with XXXX @ Ocwen whom told it was received and that she expedited the file to the team and hopes that it will be reviewed within 24 - 48 hours. Mind you we have 9 days, including weekends until the sale date and only 5 business days to close this file. I feel Ocwen intentional dragged their feet in this matter so that they could instead foreclose on this homeowner, whom is XXXX.
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| 04/07/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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ocwen have continue to sent false information and Representative. most recently on XXXX XXXX i received affidavit of lost note ... ... .. on a recorded phone conversation i was told by XXXX XXXX XXXX XXXX ( Ocwen Ombudsman Team of office of WE DO NOT HAVE THE original NOTE YOUR NOTE IS LOST SEE attached affidavit of lost note date XXXX/XXXX/XXXX your original note is still missing.. the affidavit does not have the first name of the notary ( Minnesota require notary name to appear as the would on drivers licence, the signer XXXX XXXX, no first name ..the allege check of the first box, personally known not the second box, XXXX XXXX, XXXX XXXX both signature are missing first name ... i did not sign my loan with first national bank of Nevada ... .but with first national bank of Arizona, two separate entities.
i said why is these law firm XXXX XXXX XXXX Are co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting legal papers to obtain judgments against homeowners? XXXX XXXX XXXX co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting proper legal papers to obtain judgments against homeowners ... .. created fraud original note when they have admitted from ocwen ombudsman team XXXX XXXX on a record conversation we do not have the note ... your original note is missing that why I sent you this lost note affidavit of lost note, what we have in the recorded conversation he said .. is just scanned image copy we do not have the original note .. so the original ( the law firm of XXXX. XXXX was not in fact original but colored copy of created to show it was the original XXXX XXXX XXXX co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting proper legal papers to obtain judgments against homeowners ) he said we do not have the original note, is still missing I sent you a letter dated XXXX XXXX XXXX ... your original note is still missing ..your original note is missing see lost note affidavit ... lost note affidavit signer are missing first name of all signer, the notary does have a first name, the signer does not have the first name, the bank is wrong WHEN COMPARE TO DIGITAL IMAGE OF scanned NOTE XXXX XXXX SENT DATE XXXX XXXX he said. Your note is lost we do not have the original, all we have is what I sent to digital image scanned attached to the letter and lost note to confirm your note is missing fraud created document backdated to show standing by XXXX XXXX XXXX $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Pattern of fraud with XXXX ( the law firm of XXXX. XXXX was not in fact original but colored copy created to show it was the original BY XXXX XXXX XXXX co conspiracy filing fraudulent foreclosure complaints with the courts of the State of Maryland and the County Clerks to deceive the Courts and clerks into believing they are accepting proper legal papers to obtain judgments against homeowners ) Is the conduct of Defendants illegal, unlawful and criminal to which they are engaging in a racket against the public and the judiciary that causes homeowners to unlawfully lose their homes, money to CO CONSPIRACY XXXX or XXXX and/or engage in litigation to defend themsleves against false filings by CO CONSPIRACY XXXX or XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 12/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I recently received a letter in my inbox, dated XX/XX/2019 from the new mortgage servicing company XXXX XXXX regarding the hazard insurance on my property. I previously had lender placed insurance that was disbursed and paid in XX/XX/XXXX of every year. Last year {$1700.00} was disbursed and paid for the hazard insurance. This year {$1900.00} was disbursed in XX/XX/XXXX for the hazard insurance and then recently refunded back on XX/XX/2019. The {$1900.00} was refunded back to the escrow account, but I was informed that there was a shortage of insurance on my account and that my new assessed requirement for hazard insurance would be {$2100.00} monthly for XX/XX/XXXX which subsequently increased my mortgage payment to {$2500.00}. I believe that the insurance assessment was done incorrectly. The new {$2100.00} required amount is being billed monthly instead of annually and I have tried to explain this to the different customer service agents but to no avail. Also I dont know why I was being billed the {$2100.00} when I clearly had {$2300.00} sitting in my escrow account.
I obtained my own insurance with XXXX XXXX and submitted the documents to the website for review. My new premium amount is {$1100.00} which has been deducted recently from the escrow balance and there is an overage of {$1200.00} sitting in the escrow account. I also have called several times to inform the customer service agents that I do have hazard insurance on the property so they can remove the hazard insurance requirement they placed on my account. I paid the XXXX payment with the {$2100.00} insurance requirement overage. My XXXX payment also includes a {$2100.00} insurance requirement which makes my XXXX payment {$2500.00}. I went from paying {$600.00} including hazard insurance to {$2500.00}. I am currently late on my XXXX mortgage and additional late fees are being assessed but I can not make that high mortgage payment.
The new assessed hazard insurance requirement calculation is not my mistake but a miscalculation on the part of the new mortgage servicing company and I do not feel I should have to pay for that. It was reasonable to expect an increase to the hazard insurance requirement until I provided the required hazard insurance on my property, but not an increase of 1160 %. I was paying {$170.00} in hazard insurance on top of my regular Principal & Interest of {$430.00} until now. I have never had this happen before and XXXX XXXX refusal to acknowledge the mistake is causing me undue hardship and making me fall behind. I have also spoken to the insurance department of XXXX XXXX and they also agreed that the incorrect hazard insurance requirement should be removed. The only relief the collection department has given me is to tell me that I need to pay the {$2500.00} payments for XXXX, XXXX and XXXX, then they can reimburse me later for those amounts, but I can not afford to pay those amounts when it is clearly not my mistake. XXXX from C/S and XXXX ( XXXX ) from the Insurance department informed me that they would be contacting the escrow department to see if they could make the corrections, but I have not received a call back yet.
I have respectfully requested that the incorrect hazard insurance requirement be removed from the remaining XXXX and XXXX payments but the mortgage company refuses to comply and I have called several times and checked online and sent a certified letter to their address for errors and complaints.
I spoke to customer service agents on XX/XX/19, and again on XX/XX/19 and sent a certified letter on XX/XX/19. I have yet to hear back from them.
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| 11/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen Loan # XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXXThe BPO done on this property is lacking evidence and likely fraudulent. Ocwen hired their own company to do the BPO. Please see below, and items attached.
NUMBER OF ROOMS : The Owner/Seller made changes to the home while running an orphanage out of the home. They enclosed the loft to make another bedroom. They also made another bedroom out of the laundry room. The washer and dryer are currently hooked up in the garage. This is a neighborhood of XXXX bedroom/XXXX bath homes.
OFFERS ON THE PROPERTY : The only other offers that have been made are for $ XXXX, and $ XXXX. The first page of the offer for $ XXXX is attached. Please note that this offer was made Three Months ago and the market has declined since then, as stated by Ocwen 's own appraiser.
MARKET COMPS SHOWING THE OFFER IS IN LINE WITH RECENTLY SOLD HOMES : This home has deferred maintenance. Every home that sold over XXXX has been upgraded and is in livable condition. This home needs in excess of XXXX of repair and rehab work - see attached Contractor 's Bid This home backs to a Busy Main Road - lots of traffic and noise This home only has a XXXX garage This home does NOT have a private pool This home has a no backyard This home does not have any upgrades This home does not have a hot tub In addition to the attached Sold comparables, the home next door ( XXXX XXXX XXXX ) has been listed at XXXX for about 30 days. It is a XXXX bedroom/XXXX bathroom home with XXXX square foot. There have been No Offers.
Market Comp - XXXX XXXX XXXX XXXX sold at $ XXXX. it is presently being rehabbed also.
BPO DONE BY XXXX : The BPO compares the property to a XXXX bedroom/XXXX bathroom. Due to the additional rooms being unpermitted, you can not make a valid comparison of a XXXX bedroom/XXXX bathroom home to a XXXX bedroom/XXXX bathroom home.
NO market comps are listed in the BPO - there is no factual evidence of the numbers used by the BPO agent NO REO comps were taken into account - even though the appraiser said the REO comps affected the pricing in this area The BPO agent states there was an offer at $ XXXX on XXXX/XXXX/2015. There are several issues with this:1. " Offer Prices '' are NOT public knowledge. Only " Listed '' and " Sold '' prices are available to the public.
2. To divulge this " Private '' knowledge of an offer price would be a violation of fiduciary laws governing the words and actions of licensed real estate agents - in the ENTIRE STATE OF CALIFORNIA ... XXXX HOW does the appraiser not know this?
3. It is IMPOSSIBLE to put " Offer Prices '' into the XXXX XXXX system - Since the BPO agent is a member of the XXXX XXXX, how does not not know this? ( please see copy of the BPO valuation for the BPO agents exact statement regarding the Offer Price being public knowledgeXXXXXXXX is Owned by Ocwen ... ... This is NOT a neutral 3rd party appraisalIt is somewhat suspicious that while the BPO agent cites that REOs are diving the market in this neighborhood, none were used in his value. Nor was much factual data. This has become a disturbing trend with XXXX values ( the company owned by Ocwen ). Are attempts at mis-valuing properties being orchestrated in order to drag out short sales and loan modifications so that Ocwen can continue to collect monthly servicing fees and also bill their investor for associated services through their wholly owned subsidiary, XXXX? Ocwen has already been admonished by the federal and state governments for shenanigans involving vendors that they own and use .... it is apparent that this is the case here.
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| 05/20/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I am a XXXX XXXX XXXX XXXX citizen. My wife and I signed a Home Equity Conversion Note and Mortgage in 2008. We are both signatories on each document. My wife, XXXX XXXX, was listed as a married woman, on the deed. My wife later passed away in XXXX. For several years I struggled to make payments on the taxes and insurance, although I entered into a repayment plan with my insurance company in XXXX. My understanding was that the plan would bring me current.
In XXXX, XXXX a foreclosure action was initiated against me. I immediately sought assistance from XXXXXXXX XXXX XXXXXXXX XXXX XXXX of XXXX Florida who assisted me with preparing and submitting an application for a repayment plan. The documents were emailed to PHH ( my servicer ) on XX/XX/XXXX. I never received a response. I sent follow up emails to either PHH or their attorney on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I finally received a response from PHH ( through their attorney ) that the application had never been received. I immediately submitted the application again ( the same day ), this time directly to the attorney for PHH.
I followed up to ensure it was received again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the attorney for PHH advised me that they could not review my application for a repayment plan until I submitted a Certificate of Occupancy. However, the document they provided me to fill out was in my deceased wife 's name only ( XXXX XXXX ). I advised that the document was not in my name and so I was unable to sign it. On XX/XX/XXXX I received the below email from the attorney from PHH : XXXX : XXXX XXXX XXXXXXXX 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 XXXXXXXX ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Good Day, PHH Mtg reverse informed the spouse XXXX XXXX XXXX not shown as a coborrower on this account and so a Repayment Plan would not be an option, so the occupancy certificate is not needed.
In order for the spouse to go ahead they would have to apply for the Non Borrower Spouse ( NBS ) program, however there would need to be no default balance at time of death, if there is a balance due it needs to be cleared before this can be completed.
The default balance on this account is {$44000.00}. ** This was the first time since my wife had passed that I was ever advised that I was not able to enter into any agreement on this account. I am a borrower on the loan and am entitled to all of the rights and obligations of any other borrower. Under Florida Law, I am provided by operation of law, at a minimum, a life estate interest in the property, as surviving spouse of the property owner, XXXX XXXX. Florida Statute XXXX ( 1 ) states If not devised as authorized by law and the constitution, the homestead shall descend in the same manner as other intestate property, but if the decedent is survived by a spouse and one or more descendants, the surviving spouse shall take a life estate in the homestead, with a vested remainder to the descendants in being at the time of the decedents death per stripes.
Accordingly, a surviving spouse is not required to do probate to obtain a life estate in their homestead property in Florida. Nevertheless, PHH told me that I need to apply for a non-borrowing spouse program.
Given the above, I am requesting that action be taken against PHH to ensure that I am permitted to apply for a repayment plan so I can save my home.
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| 07/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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- My year to date escrow balance on my mortgage statements dated XX/XX/XXXX through XX/XX/XXXX show a different balance than I have made so far for the year. This is alarming because Ocwen can not account for the additional balance reflecting in my ytd escrow account.
-I am forced every time to purchase a tracking number when mailing in my monthly payment because Ocwen will hold my payment and apply it or misapply it to my account whenever they feel like it, and try to get you to pay a late fee and inspection fee. Ocwen continues to fail to provide adequate servicing to my account and it has caused far too many concerns with the accuracy of the information on my account.
-Ocwen keeps changing my contractual payment back and forth due to their negligence with the servicing of my payments and escrow account balance. I have brought my concerns to Ocwen 's attention over and over only to receive the run around. I do not trust the employees in Ocwen 's Ombudsman office or escalation department because they are corrupt and not transparent with their response.
-Ocwen keeps sending me a manual calculated escrow analysis after I asked them to stop because the amounts stated under the escrow cushion and potential escrow shortage section of the analysis does not add up to the total amount Ocwen claims I owe for a shortage. Ocwen refuse to send me a computer generated escrow analysis report.
-I have made an ongoing effort to voice my concerns to Ocwen regarding the processing of my loan modification offer. During my modification process I had to fight to get the discrepancies with the wrong income amount, wrong principal balance, and property value updated and corrected. However, I have been going in circles with them from XXXX to current about the inflated XXXX BPO report used to determine if my loan modification offer was eligible for a principal forgiveness. I requested to have an independent BPO or appraisal done, but Ocwen will not accept a XXXX party report. I provided them with several different online BPO reports showing the difference in my home value, but they refuse to use the full report. Ultimately I had to deny the modification offer because of the large balloon payment attached.
- Upon withdrawing my modification application I requested that Ocwen reverse all my payments that were applied as forbearance payments and apply them as contractual payments. From XXXX to current Ocwen has performed several escrow analysis on my mortgage, and they keep coming up with different escrow shortages that do not add up, and it is affecting my fixed monthly contractual payments.
-My current loan modification agreement from XX/XX/XXXX disclosed that it is a XXXX agreement. I asked Ocwen to confirm if this is accurate information so I could try and get assistance through XXXX with my modification, but they will not provide me with any documentation from the note holder that supports what type of agreement I have.
-I received an incomplete payment history that is missing documentation of my payments made when Ocwen began servicing my loan in XXXX, and the history is full of XXXX payments that makes it hard to read and get a correct understanding of how my payments were applied.
-I have statements dated from XXXX that are missing from the statement section of my online account. I asked for this to be researched and corrected, but to date Ocwen has provided me with no response.
-Ocwens Ombudsman and escalation/research department is full of representatives that are unprofessional people who provide a whole bunch of untimely run around answers.
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| 01/29/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I have been trying to negotiate with OCWEN mortgage since XXXX 2015. I sent my paper work several times via email and via fax. The company kept giving me the run around ; arranging telephone appointments with my RELATIONSHIP MANAGER, in order to be able to discuss my situation and the possibility to QUALIFY FOR A PRINCIPAL REDUCTION AS WELL AS TO AVOID MY MORTGAGE PAYMENT TO INCREASE FROM {$1.00} TO {$2.00} XX/XX/XXXX.
I STATED " I AM BEING PROACTIVE HERE ; I 'M TRYING TO PREVENT DEFAULTING AND I NEED YOUR HELP BEFORE XXXX 2015 ; YOU ARE TAKING TOO LONG TO WORK ON THIS AND COMES XX/XX/XXXX IT WOULD BE TOO LATE FOR ME. I WANT TO PREVENT GETTING TO THAT POINT '' 1- They kept telling me that my payment did not arrive, though I sent it 4 times via fax and via email. First they did n't receive it, then they only got my Tax papers, the following time they did not have it again, next they needed a signature on my taxes, which they received in XX/XX/XXXX but did not realized that the signature was on the wrong place. They used every excuse on the book so the process took forever.
2- There was a phone appointment arranged about every 10 to 15 days, " ACCORDING TO THEIR SCHEDULE '', but every time the call took place I was never able to speak with my Relationship Mgr ... .. '' she was never available ''.
3- I spoke with different people each time, " none of them new a thing about my case and would put me on hold in order to review my case '' ; obviously no one was working on my case.
4- I got the same response each time, either we do n't have this or that, and we will schedule a call with your RS MGr.
5- Finally I was given a definite answer on XX/XX/2015. IT HAD BEEN DECIDED THAT I DO NOT QUALIFY FOR A MODIFICATION OF ANY KIND ; NOR FOR A PRINCIPLE REDUCTION EITHER.
PLEASE KEEP IN MIND : 1- When I got the house it was {$370.00}, after making big payments for a few years, the prices dropped. My interest rate was going to be higher, so I did a modification at that time my mortgage had been sold a few times to different banks, and I was making my payments to XXXX XXXX. After the modification negotiated with XXXX my monthly payment went down to about {$1.00} a month because the interest rate was re-negotiated to 2.5 % or so ... ... .However, I did not realized at the time that with the MODIFICATION THE TOTAL HOUSE BILL JUMPED FROM {$370.00} TO {$440.00}. The I WAS SET UP FOR IMMEDIATE FAILURE ; THOUGH, I DID NOT KNOW IT. I WAS JUST HAPPY THAT THE INTEREST AND THE PAYMENT WENT DOWN.
THE WAY I SEE IT I ALREADY PAID MORE THAN {$250.00} FOR THIS HOUSE.
I HAVE BEEN MAKING MY PAYMENTS RELIGIOUSLY BUT THE BILL DOES NOT GO DOWN EVER ... .IT CONTINUOUS BEING THE SAME {$440.00} ; STILL THE BANK WANTS ME TO PAY {$440.00} MORE ....
HOW IS THAT POSSIBLE I ASK.
PLEASE HELP.
I want to file a formal complaint to the ATTORNEY GENERAL OFFICE, I want to report Ocwen for : 1- not following the rules, and for neglecting to help me avoid defaulting 2- Sending False Default letters, though I have not defaulted 3- Failing to allocate my payments accordingly for the last 4 months, ad finding excuses to say that my payment is late. " OCWEN TAKES THE MONEY DIRECTLY OUT OF MY BANK EVERY MONTH.
4-FAILING TO HELP ME PREVENT DEFAULTING ON MY PAYMENTS, WHEN I HAVE VEEN PROACTIVE AND HAVE TRIED TO SPEAK WITH THE BANK AND RE-NEGOCIATE MY LOAN 5- FAILING TO ACKNOWLEDGE THE FACT THAT I HAVE BEEN MAKING FOR THIS HOUSE FOR OVER 10 YEARS, AND THAT I STATED OVER AND OVER THAT " I WANT TO KEEP MY HOUSE ' 6- SENDING FORCLOSURE NOTICES WITHOUT WAITING THE 120 DAYS.
PLEASE HELP ME.
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| 10/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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My Mortgage Company ( OCWEN ) violated The Terms And Agreement In The Consent Order On The Settlement Funds '' and Sections 17 ( a ) ( 2 ) and 17 ( a ) ( 3 ) of the Securities Act of XX/XX/XXXX and Section 21C of the Exchange Act of XX/XX/XXXX and Sections 13 ( a ), 13 ( b ) ( 2 ) ( A ) and 13 ( b ) ( 2 ) ( B ) of the Exchange Act and Rules 12b-20, 13a-1, 13a-11, 13a-13.
In Addition To The Above They Violated The Dodd Frank Law-Act '' and Never Offered Me An Loan Modification '' After They Purchasing The Servicing Rights Of ( AHMSI-American Home Mortgage-Homeward ) and ( Residential Capital LLC-GMAC Mortgage LLC ) In A Bankruptcy Liquidation Under Judge XXXX XXXX In The United States Bankruptcy Courts For The XXXX Division Of New Under There Bankruptcy Case ( XX/XX/XXXX ) and ( XX/XX/XXXX ). Instead They Used Deceptive Practices '' To Go Around The Consent and Enforcement Orders They Signed With ( CFPB ).
How They Did It Was They ( Re-Assigned ) The Mortgages Back To The Prior Banks & Servicers '' After Purchasing The Pools Of Mortgages '' To Avoid Paying Victims To The Terms And Conditions Of The CFPB Consent Orders '' and Loan Modifications '' Carrying Out Wrongful ( Evictions and Ejectments ) For Big Illegal Profits and More '' With and Through Their Affiliate Company 's ( Altisourse ) and ( HLSS ) Home Loan Serving Solutions. This Was Done After CFPB Issued Enforcement Orders and After The Dodd Frank Law Went Into Effect ( XXXX XXXX, XXXX ). In My Particular Case In Alabama The Crime They Committed In Trial Under An Ejectment Was Done On ( XXXX XXXX, XXXX ) '' This Is Recorded In XXXX County Circuit Court '' XXXX County Alabama. NO : XXXX.
They Initially Lost The Case On The Eviction On ( XXXX XXXX, XXXX ). That ORDER was issued under case ( XXXX ) on ( XXXX XXXX, XXXX ). After They Loss That Case '' They Continued To Rob Me Without Lack Of Standing Filing An ( Ejectment ) Which is Listed Above '' Under Case NO : XXXX. The Case Went To Trial And This Is Where Ocwen Was A Witness Stating They Assigned The Mortgage Back To ( GMAC Mortgage LLC ) To Avoid The Terms And Conditions Of CFPB Consent and Enforcement Orders. Residential Capital Corporation-Residential Capital LLC and GMAC Mortgage Corporation-GMAC Mortgage LLC Is Still In An Active Bankruptcy Case In New York '' Under Cases ( XX/XX/XXXX ) and ( XX/XX/XXXX ) '' and They Went Around The Bankruptcy Courts Trustees On This Issue Without an Relief Of Automatic Stay To Proceed To Trial '' and Neither Were The Trustees Aware That ( OCWEN ) Was Illegally Assigning Mortgages Back To Servicers and Banks To Avoid The Terms And Agreement Of CFPB ) Consent Orders '' Where Crimes Were Carried Out Between Their Law Firms And Affiliate Company 's ( XXXX and XXXX ) For Big Illegal Profits Without Lack Of Standing On My Property Period.
The SEC and CFPB did n't Know How They Continued Robbing Victims Nationwide '' Well They Robbed Them The Way They Robbed Me '' Using Deceptive Practices So No One Could Figure Out How They Continued Robbing Victims '' XXXX XXXX Investors '' Mortgage Pools Of Trust '' XXXX '' XXXX XXXX '' The Federal Reserve And Me '' Going Around The SEC and CFPB Consent Orders Using Deceptive Practices Based Upon Fraud '' Which Has Corrupted The U.S.A Judicial System Linked To Massive Stolen Mortgages Being Stolen Daily. That Caused Harm To Others As Well As Me '' Which Can not Be Denied Or Ignored This Is Recorded Facts ... ..
I Know Of Several Victims They Have Done This To '' In Which I Will Gladly Inform You Of Who They Are When You Request Their Information ...
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| 09/19/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I have been battling Ocwen for my home since XX/XX/XXXX. I have been scammed by XXXX attorney for {$2000.00}, and spent the last 2 years trying to negotiate a modification with another law firm for a total cost of {$16000.00}.
The year before I hired them, I had tried to deal with Ocwen directly on my own, and had no results. I have had numerous encounters with Ocwen and have been passed between a total of XXXX 'relationship managers ' all promising if I comply with their particular required documentation I would receive a modification on my home. During this time I offered to make payment until modification was complete, they refused. At that time I was in a position to start paying monthly payment and any arrearage on a modified loan. Now there is no hope for me catching up.
In XXXX of this year Ocwen filed a 'Notice of Default ' and started the foreclosure process while the property was still being considered for modification. There by engaging in 'dual tracking '. This came at a time whe the real estate market in my area had dramatically increase in value. Once they became aware of that they filed. By then, foreclosing would gain back the {$100000.00} in arrearage accumulated over the time they stalled and would not have to offer me a reduction of loan principal. At one point the house was {$200000.00} underwater ( documented ) and now it 's not.
During this time I have actively increased the value of my home that was in total disrepair after my now ex-husband left and have documentation to that effect. They are also aware of this because they have sent a property inspector by each month to check on the condition of the property and have charged me for that also.
I have been terrified of losing my home of 30 years and income I derive from it. I will become homeless and so will my daughter, a single mother, and my granddaughter. There is no possible way we can afford living in XXXX XXXX if we loose our home. This is where she and my other daughter grew up. I 've always worked here and now we both work here and I also volenteer. If forced to move we will also loose the income of our small local business.
I asked my attorneys to file a law suit to stop this process and have spent many months biting my nails waiting for them to file. I am now in possession of the Final Draft of the lawsuit that is waiting for my approval. If I agree with this lawsuit, I will be bound to new costs and new billings which I do n't believe I can afford.The Complaint is for the following:1. Constructive Fraud2. Statutory Violations3. Promissory Estoppel4. Negligence5. Negligent Misrepresentation6. Intentional Misrepresentation7. Violation of business and professions code section XXXX, etseqI will forward a copy upon request.
I believe the loan that my husband and I received in XX/XX/XXXX refinancing our home was illegal from the beginning. It was with brokered by XXXX XXXX in XXXX, now under Federal investigation for fraud ; never had an appraisal ; never had full disclosure of the now illegal negative amortization loan payments ; had no direct lending institution to speak too and was processed and owned by XXXX until they sold it to someone else ( now illegal in some states ) ; and considered a XXXX loan also of questionably legal ; Title Company negected to have me sign the note even though I was on Title and th Deed of Trust.
This has been a living nightmare and one that my ex husband could not live with.
I am asking for help to unravel this mess and allow my daughter, my granddaughter and myself to live in peace in our home.Thank you. XXXX XXXX
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| 08/16/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I have a XXXX mortgage being serviced by Ocwen and XXXX/XXXX/15 we lost our home to a tornado. XXXX XXXX paid out for the exterior on XX/XX/XXXX for a total of $ XXXX. On XX/XX/XXXX I contacted Ocwen and told them what had happened and requested to get a payoff for the loan since insurance was going to be giving me a payout. I was transferred to XXXX who was our account manager. He told us at the time to stop the autodraft payment from our checking and no need to make the mtg payments and that they were negotiating the account. I was n't sure what was to be negotiated at the time, I just assumed that the insurance company had also contacted Ocwen. He also said they needed to get " boots on the ground '' to review the damage. XXXX said that someone would be out to the home to view it on XX/XX/XXXX but nobody showed up and I had received very little calls or updates prior to this and nothing telling me the inspection was getting pushed off. I was getting irritated and aggravated and kept getting the run around every time I called. On XX/XX/XXXX Ocwen wanted to know how much we received from insurance payout and at that point they said they were going to see about taking a lesser amount since insurance did n't cover both outstanding loans. Not something we requested but they decided to do on their own. We originally just wanted a payoff back in XX/XX/XXXX so we could pay the loan off and the difference that was n't covered. On XX/XX/XXXX we finally got a call back from XXXX and he was going to send us a payoff code. It was going to be another XXXX weeks before someone was going to be out there to inspect what was left of the home. It was also going to be another 20 days before the next call from XXXX b/c he was so busy. We were getting fed up with the runaround from Ocwen b/c all we wanted to was to payoff the loan so we could proceed with re-building and moving on with our lives. I called them on XX/XX/XXXX and spoke with XXXX different people ( XXXX, XXXX XXXX and XXXX ) then I was transferred to a manager XXXX XXXX. He said he was going to send me the docs and stuff to payoff the loan. During the calls nobody could understand what a tornado was and that it leveled our home. They kept asking me what part of the house we were living in and when we were going to move back into the home. On XX/XX/XXXX I still did n't have the payoff information and I spoke with a XXXX who was the manager above XXXX and XXXX. He said he was going to get this handled and did get someone to finally come out to the home to inspect it by XX/XX/XXXX. I have had several calls with different people each time and nobody seem to know what was said or done from the prior calls and felt like I had to explain the process all over again each time I spoke with someone new. I would ask for phone numbers for the people that were supposed to call me but they said they could n't give me their direct numbers. I constantly got the run around like the left hand did n't know what the right hand was doing. We could n't get a call back from XXXX or an update b/c he was too busy. We did hear from a XXXX ( pronounced XXXX ) and her ID was XXXX and her number was XXXX and she said it was a miscommunication and that the derogatory items reported were going to be removed from our credit report. To this day they are still being reported to the credit report as a XXXX and 60 day late despite Ocwen telling us not to pay the mtg. It has been a mess from day 1 and all we wanted to do from the beginning was pay off the loan and they have made this much much harder than it should have been.
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| 03/26/2018 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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Despite over four years of on-time payments, on XX/XX/XXXX my credit monitoring service alerted me that Ocwen Loan Servicing, LLC had reported my 2nd mortgage as " Charged-off/Closed '', despite it being current and in good-standing for over four years.
The Issue : In their investigation of XX/XX/XXXX, Ocwen claims that : " The account records available from [ the previous mortgage holder ] XXXX indicate the loan was placed in a charge off status on XX/XX/XXXX ''.
Thus, Ocwen 'retroactively ' marked my 2nd mortgage as " charged-off/closed ''. However, their records are incomplete.
Written Proof That XXXX Removed Charge-Off Status in XX/XX/XXXX: I have in my possession a signed letter from XXXX datedXX/XX/XXXX ( over 1 year after Ocwen 's claim that my loan was in 'charge-off ' status ), declaring that the loan was 'REMOVED FROM CHARGED OFF STATUS ' as of XX/XX/XXXX.
I also kept a log of telephone conversations with XXXX customer service from XXXX, XXXX, where they explained that this was an unfortunate internal clerical error ( which is why XXXX never reported my loan to the credit bureaus as 'charged-off ' in XXXX : it was an internal error ). When they discovered this clerical error in XX/XX/XXXX, they removed it from charged-off status and sent me verification in-writing that my loan was not charged-off ( see attached PDF of the original hand-signed letter and post-marked XXXX envelope ).
Impact from Ocwen 's Improper Actions : - On XX/XX/XXXX my credit score of aprox. XXXX initially fell by -81 points.
- On XX/XX/XXXX, Ocwen ordered the retroactive removal of 4 years of on-time payment history from my credit report from XXXX XXXX, causing another 50 point decline.
-Ocwen ceased reporting my continued, timely monthly payments.
... as a direct result of Ocwen 's actions : -XXXX XXXX immediately sold my first mortgage to a tertiary loan servicing company on XX/XX/XXXX.
XXXX with XXXX 's Mistaken 'Charge-Off Status ' : Attached is a signed letter from IndyMac/OneWest dated XX/XX/XXXX, clarifying that " the above referenced loan has been removed from charge-off status as of XX/XX/XXXX. '' According to XXXX customer service, my 2nd mortgage had been mistakenly listed on internal records only as " C '' ( charged-off ) instead of " M '' ( modified ) during a 3-month trial payment schedule during a XXXX loan modification application ( ... which was approved ). Due to XXXX 's clerical error, the loan was marked - internally - as 'charged off ' even though I was making payments as-instructed to participate in the loan modification program. Because it was only recorded that way 'internally ', XXXX never reported it to the credit bureaus as charged off ( ... because it was NOT, in-fact, charged-off ).
After alerting XXXX that I received a letter from a collection agency on XX/XX/XXXX ( for a loan that was clearly current, and for which they had just happily approved a loan modification ), XXXX immediately identified the situation as having been a clerical error. On XX/XX/XXXX XXXX issued the attached letter negating the mistaken charge-off status of the previous year. This letter from XXXX rescinding any previous action - combined with the fact that it was never reported to the credit bureaus because it was a mistake - nullifies Ocwen 's claim that my loan was ever charged off.
Aside from the 'abbreviated ' trial payments I was instructed and obliged to make during the three month trial period for the loan modification applications, the attached records show that I have a perfect payment history dating back to XXXX of XXXX.
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| 04/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Homeowners servicer has held homeowner in extended processing, not evaluating documents properly. Homeowner submitted 3 three RMA applications requesting modification for RMA request for mortgage modification assistance. Homeowner filed all required documents required with the RMA applications. Homeowner has provided all required documents to the servicer.
Upon the third denial for RMA, the servicer disclosed that the homeowners SS number did not match. The servicer knew all the time that on the request for modification three previous times, only to be denied. Servicer has commenced double tracking while homeowner was acting in good faith, qualified for modification and eligible. According to NPV Report from the Treasury Department ; under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.
Servicer is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified.
This homeowner, feels that their case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. How can we work with our SPOC, when we can even talk to them, do n't return calls.
2. A Single point of contact was assigned ; calls were made to the point of contact : no calls were never returned.
3. Servicer has held the homeowner in extended process in bad faith.
4. On the most recent RMA third application : all requested documents were provided and denied again on XXXX. Homeowner has confirmation via fax that documents were received by Servicer. Homeowner has filed an appeal within this solutions on XXXX.
5. Homeowner has found errors in data used to calculate the NPV Result created by Servicer. The errors used would cause a false result in the NPV Results in the following : A ) wrongfully data input for property value. Input used is a 1 year forecast of {$320000.00} ; current value is {$200000.00} as per recent sales in XXXX, and B ) Imminent default flag wrongful input : was selected " XXXX '' for not being over 2 months late, when NPV Results clicked was 28 months late at time of data collection date of XXXX/XXXX/2016.
C ) Homeowner has an excess of income of {$500.00} after all expenses paid.
D ) the INVESTOR HAS INITIATED FORECLOUSURE PROCEEDINGS. THE BASIS OF DENIAL IS BASED ON WRONGFUL DATA INPUT : these XXXX points are causing a state of confusion and terror to the homeowner.
6. Homeowner is in a state of fear created by the " fear '' collection tactics by SERVICER and the Loss Mitigation Department harsh collection tactics.
7.The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure.
Alleged violations, included, but are not limited to, the following : a ) failing to inform homeowner of the identity questions in the 1st application, ask for proof of identity.
b ) failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.
C ) Homeowner is officially filing an appeal on the denied RMA application dated XXXX/XXXX/2016 based on wrongful data errors on the NPV Results dated XXXX/XXXX/2016.
D ) ask for a copy of the NPV Report E ) Ask for the name of the investor group that holds the note.
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| 04/28/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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On XXXX XXXX, XXXX, I submitted the first of XXXX requests to OCWEN for a loan modification with details explaining the financial hardship that I was under due to XXXX 10 % pay cuts due to downsizing within the company I am still employed. I was pleading for assistant by way of reducing the 10.37 % Interest Rate so that I could afford the monthly payments on a property that I was assisting a homeless family member with a place to live. When the application was denied, I realized shortly after the several conversations with the Representative assigned to my case, I had listed my 'take home pay ' in XXXX separate areas of the Making Home Affordable Program Request for Mortgage Assistance application. I requested to reapply although OCWEN had complete application which included the Form XXXX ( Short Form Request for Individual Tax Return Transcript ), Pay Stubs before and after XXXX 10 % pay cuts they validated my gross and net income. Then shortly after XXXX XXXX, XXXX I received notification from OCWEN that the loan that I thought was for 30 years was due to mature on XXXX XXXX, XXXX. I honestly thought the loan was for 30 years. However, right away I contacted OWEN by telephone to request assistance in repaying the loan. They sent another Making Home Affordable Program Request for Mortgage Assistance application, which was completed and submitted with my most current pay stubs verifying financial hardship still in place. The Representative requested financial information from the family member. The family member is not a co-borrower and did not consent to giving their information since they worked odd and in jobs when they could and they gave me what money they could when they could. I spoke XXXX with the Representative regarding the situation and stated repeatedly that there was no way I could come up with the full payment on XXXX XXXX, XXXX. At no time during any of the many telephone conversations did either Representative disclose to me any other options to obtain a loan modification with OCWEN. My pleas for assistance was to no avail and subsequently the application was denied a XXXX time. In the meanwhile, OCWEN sent out an XXXX during XXXX XXXX and issued documentation of the estimated value of the property as compared to other properties in and around the area. It was determined that the XXXX old property did not comparably have a value equal to the amount owed due to a 15 % depreciation rate. Once again I reached out to OCWEN by telephone for a home modification. The Representation referred back to the notes in my file that I had not provided the family member 's income information and stated that they could not reopen my application without that information. He scheduled a XXXX XXXX, XXXX ( XXXX ) telephone appointment we. On XXXX XXXX, XXXX I received a Certified Letter from OCWEN requesting full payment on or before XXXX XXXX, XXXX. I called OCWEN again and talked to a difference Representative giving her my three-year story. She agreed that the other Representative should not have requested the family member 's information since they we not a co-borrow and then asked if I have made a 'Settlement Offer ', which she explained could be as low as 10 % of the amount owed. This was the first time this option was ever mentioned to me. During the XXXX XXXX, XXXX appointment I asked to make the 10 % Settlement Offer and was told that that option was only available prior to the maturity date and therefore I would not qualify. This my compliant against OCWEN for not disclosing the Settlement Offer between XXXX XXXX and XXXX XXXX.
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| 09/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Loan Number : XXXX I filed for a modification with Ocwen because my fiance XXXX XXXX XXXX passed away unexpectedly. Yes, thing have been tough for me since he died. I keep pushing to keep my home.
I was approved for a trial modification. I understood I could not be late or the modification would be cancelled. I have two bank accounts listed on my Ocwen account. Im in the middle of my modification and I send a payment and I accidently select the wrong bank account on XX/XX/XXXX. Immediately I called Owen on the 29th and explained what I did and ask how to correct the issue. The representative stated they would re-run the payments. Nothing happen so I called on XX/XX/XXXX which was a Monday and was told they are going to re-run the payment. I called again on the XX/XX/XXXX and was told they might re-run the payment. I tried everything to save this modification and was constantly given wrong information. They finally ran the payment on XX/XX/XXXX and cancelled the modification. Now Im calling to save the modification and was told to dispute what happen and Ill be fine. I disputed the cancellation and they still denied. They outcome of their investigation was on XX/XX/XXXX the rep advised you Ocwen might re-run the payment. Ocwen never reviewed the calls on XX/XX/XXXX and XX/XX/XXXX. If Ocwen dispute department would have reviewed the calls they would understand and know that the representative gave me incorrect information. My modification would still be active. Then they told me to just reapply and Ill be fine and the modification was still declined. Im losing my home to an error that I tried to correct before it came to that but just didnt have represenative that understood the serverity of my case.
Im having to hire an attorney to resolve my issue or file bankruptcy, which is not fair. I CAN afford my home and I had the money on point and they still declined and would not reinstate my modification when I called the day of and called repeatedly until the payment was applied and attempted to make the next payment. THEY LEAD ME WRONG!!!!!!!
When I call Ocwen, they repeatedly provides conflicting and incorrect information. Training is very much needed at Ocwen. Its impossible to do anything when you dont know whats real.
- They tell me Im still being reviewed for modification on one day and the next day they tell me I was declined last week and when I call back again they will say they are reviewing for the mod and they dont see that I was declined.
- Know one knows if a demand letter was sent or even understand what it is.
- Know one knows when the foreclosure will start or provide other alternatives.
- Every time I request a call back from the modification respresenative someone else calls and cant answer any of my questions.
- They say they are mailing letters, half of the time I dont receive anything so I have to communicate over the phone.
IM TRYING TO SAVE MY HOME AND I WILL FIGHT TIL THE END! And I need help. I need my modification reinstated, I need management to contact me and maybe I will receive correct information. I want Ocwen to correct my issue and acknowledge the people that work there was not capable of providing care and serverity of my calls that was being made to save my modification! I need CRPB to help make me!!!!!!!!!!!!!!!!!!!!! As a customer I was failed by Ocwen!
- Customer Servicer failed to provide correct information - Modification department failed to review my case fully and reinstate my modification - Dispute department failed to review my case fully
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| 11/09/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Letter addressed to Ocwen Loan Servicing : I am requesting my current modification application be re-open and approved ; due to Ocwen miscommunication or lack thereof.
I was informed by Ocwen on XXXX XXXX, 2016, my modification could not be approved unless the lien was removed. I immediately, contacted the HOA and their attorney concerning this matter and included Ocwen tax department in my email.
The HOA placed a lien on our account in error ; I was informed our payment may have been applied to another account. Please view email below dated XXXX XXXX at XXXX HOA and Attorney 's office. After I emailed parties involved Ocwen, HOA and HOA 's Attorney ; I called Ocwen the same day, to confirm they would accept the release lien for modification approval.
I was informed yes ; and that would correct the problem.
I received the following email from Ocwen : On Tue, XXXX XXXX, 2016 at XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : Please be advise that the above mentioned loan # is the state of TX, its Non-Super lien State Moreover its NON-RE, NON XXXX, even if there is foreclosure takes place it will never jeopardize our mortgage, our lien will be intact hence we do not remit HOA payments towards the issue.
Ocwen received a copy of the lien release. However ; I was informed on today, my modification was denied sometime XX/XX/2016, due to property lien.
Per the email mentioned above, having a lien in the State of Texas does not affect the loan. My question is why would you deny my modification for this reason?
I have phone records indicating I have called Ocwen at minimum, every other day for the past three weeks requesting an update. And the only information provided was there was no update from the underwriting department. Not once, after the email correspondence did customer service or my relationship manager say a recorded lien release copy was pending.
Which makes it appear, by customer service or the underwriter not updating me, time would elapse to purposely deny the modification. On XXXX XXXX, 2016, I called Ocwen and XXXX XXXX XXXX ( my relationship manager ) answered the phone. He stated there had not been an update and he would send an email to the underwriter requesting they provide one.
I called Ocwen on today XXXX XXXX, 2016 requesting status ; I was informed a request was submitted to underwriting on yesterday. I did received a from XXXX XXXX on today ; he informed me the loan was denied ; due to Ocwen not receiving a recorded lien release copy. I requested to speak with a manager ; I spoke with XXXX XXXX XXXX.
XXXX XXXX and XXXX XXXX stated there was nothing they could do and suggested I contact Ocwen ' XXXX Escalation Team. I personally went to the courthouse on today and retrieved a " Recorded Lien Release Copy '' ( attached ). We have paid our monthly payments as required during this lengthy process.
Ocwen ' s Tax department confirmed in the State of Texas you do not remit HOA payments towards the issue. After all the email correspondence between Ocwen, HOA and I, it is unacceptable and a travesty, that not one customer service person mentioned what document was pending. Today XXXX XXXX stated, records indicate customer service staff attempted to contact me by phone, if this is true, they did not leave a voicemail message and I do check my messages. There is no way I would not have returned there call as often as I contact your office.
As I did today ; I would have immediately retrieved " Recorded Lien Release Copy. '' Our request is to have our current final modification processed and approved.
|
| 03/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I feel I am at a loss and have exhausted all resources at this point in, the process seemingly stalled for an unknown reason, I ( WE ) run the risk of losing the interest of the buyers that are currently contracted to purchase the property. Needless to say, if our perspective buyers decline to purchase the property for the reasons of time and inconvenience, I will experience an even greater hardship attempting to pursue alternatives to your " Help for Homeowners '' program ( s ). This has been very stressful and me as a XXXX XXXX who served my country for 21 years feels as if I am being victimized. According the the RMA application XXXX XXXX is my relationship manager. I expected a call from him today to discuss my Short Sale status. Instead, I received a call from another relationship manager. What prompts my email today is that the call contained no new information with the exception of the same information that I received during my last call. Because I have been involved in the process for over a month, which understandably has its own parameters, I feel as if there is not enough information shared across departments that is beneficial to be and the listed buyers of the property listed at XXXX XXXX XXXX XXXX, XXXX 'XXXX XXXX.
I have formally requested a call from my Relationship Manager prior to my next scheduled call for an update. I do not feel that other RMs have possessed enough correct information pursuant to the Short Sale process that I have in progress to assure me or reassure me that they are invested in my well-being or the well-being of those who stand behind me and/or involved in the actual transaction leading to a sale. I do thank you for allowing me to share this information with you. I hope that it helps to elevate the level of concern, knowing that I am only trying to get this property into the hands of a well-deserving and patient family. I have submitted the purchase price offer, sales contract, and approval letter from the buyers and provided my Realtors contact with the completed application for short sale on XXXX/XXXX/2016 as Ocwen requested. The appraisal and inspection were completed as well. I have gracefully followed all Short Procedures with much patience. I have provided all documentation requested. On XXXX/XXXX/2016 I contacted Ocwen regarding the status of my Short Sale and they said they had all completed documents and the Short Sale was in review. I was told to call them on the following Thursday, XXXX/XXXX/2016 at Noon to discuss the status and if I will be able to close on the property and to my dismay I was told by my Relationship Manager they needed additional documents completed. I completed all documents the day I received them and submitted them the next day. I have contacted Ocwen every Thursday at XXXX as they requested. I have not received a response on the Short Sale approval and now I feel like I will be placed in a position to lose the buyers who are now looking for other homes. I will be pressed to file bankruptcy or foreclose after all the effort I have placed in to working with Ocwen.
According to the Short Sale application to avoid delays - To avoid delays, please make sure all pages are complete, accurate, and signed or initialed where indicated.
Send all forms & documents at XXXX time within 15 days of the date of this letter and send ALL pages of requested documents. KEEP YOUR ORIGINALS! Send copies for your application. Be sure to SIGN and DATE forms.
The faster you apply, the faster we reply.
I have met all requirements to avoid delays I am not sure what else to do!
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| 02/01/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I bought my house in XX/XX/XXXX for approximately XXXX dollars. I missed 4 or 5 payments in the first few months of the loan due to losing my job. The mortgage company that I got the loan through contacted HUD for assistance. I met with HUD and was entered into a forbearance agreement with HUD. HUD stated that with the forbearance agreement I would continue paying monthly payments to them and that over time I would see a slight increase in the monthly payments. On my original payment plan sheet it showed that I would be paying about XXXX dollars a month near the end of the loan but I ended up paying about XXXX dollars a month. I was told that they would pay the real estate taxes and I would be responsible for paying my home owners insurance. HUD also told me that as long as I made my monthly payments my house would end up being paid off at the end of 30 year loan in XX/XX/XXXX. Somewhere during the thirty years HUD transferred the loan and it ended up with a company called Litton Loan Servicing LLC to whom I continued making my monthly payments. When Litton had the loan they paid the taxes and insurance. Around XXXX or XX/XX/XXXX I was contacted my Litton and was told I had to pay them about the full amount of the loan in order for it to be paid off. I checked with a small mortgage company and we called Litton to see what they were talking about and when we asked for copies of the paperwork they said I had signed we were told they would not going to send me anything. I was advised to contact a lawyer but could not find one that knew had to handle this type of case. In the meantime Litton kept sending me billing statements and I continued to my the monthly payment. Then around XX/XX/XXXX Litton transferred my loan to Ocwen Loan Servicing LLC and they contacted me saying I needed to pay about XXXX dollars for the loan to be paid off. I asked them to send me the billing statements and I would continue making payments until I found a lawyer. They refused to send any statements and they never contacted me again. Then in XX/XX/XXXX on a Wednesday I received a letter from them saying my house would be sold at a foreclosure sell 4 days later. I called a friend and she contacted a lawyer that knew what to do and I went to see him. He was able to stop the sell. I took him all the paperwork I could find, but a lot of it was missing, because I had a house fire in XX/XX/XXXX and some of it was destroyed. Since then my attorney has tried to see if this is a fraud case by going to federal court and tried to reach a settlement with Ocwen, but he did n't get anywhere. Then again in XX/XX/XXXX Ocwen had my house going to a foreclosure sell again and the only way I found out is when a lady came to our house and told my wife she wanted to see the house, because there was a notice in the news paper about the sell. I contacted my lawyer and he quickly stopped the sell by filing a bankruptcy notice. My attorney contacted Ocwen and found out the pay off is now close to 60,000 dollars. The bankruptcy did not get approved at this time and Ocwen has started calling every few days. I have thought of selling the house in order to pay them off but found out the value of my house is not enough to paid off XXXX dollars and start over again especially since Ocwen has my credit all messed up. I am also going to check into getting a reverse mortgage to see if I can keep my house. I have tried to contact HUD about the original forbearance agreement but was told that only my mortgage company could request that information. I THINK MY ORIGINAL MORTGAGE IS FHA
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| 05/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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0cwen Loan Servicing, is my loan company , this company rejected to make home affordable,XX/XX/XXXX,I received XXXX certify letter from Ocwen through power default servicing; showing $XXXX, and sent letter to my separated wife she was never co -borrow to my loan Ocwen Loan Servicing no she did not/' for Ocwen to give her name to debt collection power default ' she have no knowledge of power default it's deceptive and false pretending to harassment her 'because she call on my behalf,I tried some years ago /Ocwen office stated no because she wasn't on sign borrow loan origination' the only way she was allow to speak to Ocwen doing my work XXXX or out town' there was a power attorney I had get wrote up' for her call about I purchase a home XX/XX/XXXX for $XXXX paid $XXXX my balance $XXXX Monthly payments $XXXX began XX/XX/XXXX until XX/XX/XXXX &XX/XX/XXXX there fees and charges for title search each month adding Insurance' fees certify letter charges letter I never received 'got call from Ocwen,stated got put you forbearance'$XXXX never heard of it, ocwen always send a statement calling payment suspend payment; I'ld call every day some time hang phone up,I taken fight to XXXX office XXXX. IT it taken me day to location building security stated this is debt collection office only bill come here.I reply I send my payment here I need speak to a person; after standing out side for hour, finely some XXXX came down, let me in and stated since you airplane here I guess I can talk to you we don't allow customer in hear; I ask about fee charge and how can I get charges late fees payment on draft.she could not answer;I ask what can I do to stop this deceptive practice, ocwen staff went up stairs came back with a printed paper;show me if you pay $XXXX this would get you out forbearance,it have not stop any thing to this date,I have paid total $XXXX on my property, doing my bankruptcy in XX/XX/XXXX Ocwen loan servicing send in a fraudulent foreclosure to trustee , I had never had a foreclosure paper issues to me back in XX/XX/XXXX, sent it to trustee bankruptcy for$XX/XX/XXXX & got paid money was going under XXXX. , this company Ocwen has taken my money trying put me out of my home;it;s unfair, ocwen refuse my application for modification; the modification the court approve XX/XX/XXXX brought my payment down from $XXXX to $XXXX Ocwen continue to send letter they brought my payment down from $XXXX to $XXXX the $XXXX was the down payment I never got credit for.XX/XX/XXXX I requested help XX/XX/XXXX as for help. the XXXX certify letters from power default servicing;have no sign name. the letter stated i owing from XX/XX/XXXX, nothing about payment they taken in bankruptcy, or did Ocwen add my name to sue brought against them by attorney General office, I call Ocwen ;about why my name wasn't on list; or why I haven't received a form from suite' I was told send a letter requesting my name be add, to get paid to fax XXXX give them XXXX-day waited, call back I was told you type it ,you have to hand write it, send copy of your ID, this that have not received anything but letters and statement, showing amount due $XXXX and principal balance due $XXXX have escrow balance -due $XXXX.,this have been fraud business since day one.I have take my life saving and have lot it ,with Ocwen;for many years they need be put out business. when I call they want give me there name having you waiting for long time. Ocwen and payment how they have defaulted my loan payment, cheated the bankruptcy trustee take money under false names.
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| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On the XXXX of XX/XX/XXXX, I engaged XXXX XXXX XXXX ( XXXX ) to act on my behalf to get my mortgage payments caught up and potentially seek financial assistance to help pay for the amount owed which was just under {$5200.00}. A third-party authorization form was submitted to PHH mortgage and we were advised that it took approximately 5 days to upload. After this time passed, XXXX followed up and they were advised to submit an authorization form provided by PHH. Once the five days concluded, XXXX tried for weeks to reach XXXX and they were not able to speak to a representative who could discuss the account or the agent did not have access to verify who was listed on the authorization form. On the days that they were able to verify that the XXXX agent was authorized to speak to someone they would have them call back the next day to speak to a relationship manager the PHH agent was unable to verify that the XXXX agent was authorized. This pattern continued for a few weeks until someone suggested that we resubmit the authorization letter on the XXXX of XX/XX/XXXX. After submitting an authorization letter for the third time, no one from XXXX was able break this cycle until XXXX of XXXX.
On the XXXX of XX/XX/XXXX, a meeting with a PHH agent, two representatives of XXXX and myself conducted a conference call to move things forward. We discussed the difficulty in trying to reach them. We asked that they check the authorization letter ; initially, the agent did not state that she did not see the names of the representatives present during the meeting and was hesitant to mention who was on the letter. When we continued to speak to the PHH agent, she mentioned the lawyer that worked with XXXX. I believe that she looked at the authorization letter more thoroughly and found all the names of the agents assigned to my account. ( My belief was that she just scrolled down the page, but I did not see or have access to her monitor ). We were able to set an appointment with a relationship manager for the XXXX of XX/XX/XXXX.
By the time of the meeting more than {$13000.00} was owed due to fees which included the {$5200.00}. At the meeting we discussed entering a trial loan modification for three months. The amount of {$670.00} was to be paid monthly from the XXXX of XX/XX/XXXX until the XXXX of XX/XX/XXXX. I asked again to make sure that my sister was added as successor in interest as she was having difficulty being recognized as such, receiving paperwork or email notification nor could access the account online. The account was paid on time successfully through XXXX XXXX
At the conclusion of the three month period, I called to find out the next steps they told us to continue making the same payment that they would reach out to us.We eventually heard back from them, they wanted us to assume the loan ; however, we still were having difficulty getting my sister listed as a successor in interest at this time. My job was starting to pick up after the pandemic and I was not available during the day so she needed to be able to communicate with them. ( At this time XXXX who was a non-profit organization in XXXX XXXX helping homeowners get back on track was no longer available ) We were making payments until XX/XX/XXXX when they stopped accepting our payments. They eventually recognized my sister as a successor in interest and we submitted paperwork by XXXX XXXX. I called to verify that our paperwork had been received and sent additional information requested and scheduled a meeting with a relationship manager on the XXXX of XX/XX/XXXX.
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| 03/26/2020 |
Yes |
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Web |
Older American |
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Date : XX/XX/XXXX From : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX Email : XXXX FHA Case # XXXX Attention : CFPB Regarding : OCWEN/PHH MORTGAGE Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX To Whom It May Concern : I am the homeowner of the above address property, which is scheduled to be sold on XX/XX/XXXX. I am requesting that PHH Mortgage be investigated for a lack of communication regarding a subordinate mortgage amount of {$130000.00}. I am a XXXXyear old widow and recently lost my XXXX job due to the Covid-19 pandemic.
In XXXX, my husband succumbed to XXXX. I had retired to become his XXXX. When he passed, I was left with a home mortgage with OCWEN that I couldnt afford to pay and was behind in the monthly payments.
In XXXX, I was granted a loan modification by OCWEN now PHH and I was able to hold onto the property, although like many homeowners, the value of the property was underwater after the housing crash in XXXX.
In XX/XX/XXXX, I placed the home up for sale after investing considerable funds to update the home.
In XX/XX/XXXX, I received an offer to purchase the home and I accepted the offer, with an agreement to close on the sale on XX/XX/XXXX.
As part of the title research, XXXX XXXX discovered a Subordinate Mortgage to HUD recorded in XXXX County of which I was not aware of its existence. I have been informed by PHH that, as part of my loan modification, a Subordinate Mortgage was created because the original loan was an FHA loan.
On XX/XX/XXXX XXXX XXXX provided me with a copy of the recorded Subordinate Mortgage and I was stunned and dismayed. The document appears to have my signature and yet I have no memory of this lien nor any record/ correspondence from HUD/XXXX regarding this lien. I have never received any notification of this debt from my mortgage company, PPH ( formerly OCWEN ). There is no reference to a Subordinate Mortgage on my monthly statements. I have been informed by PHH that their company was not responsible for transmitting any information regarding the Subordinate Mortgage.
On XX/XX/XXXX I received correspondence from XXXX confirming the Partial Claim due is : {$130000.00}.
The scheduled sale of my home will not provide the funds to cover this newly discovered Subordinate Mortgage. In fact, I have been informed that I will be expected to BRING funds to the closing of the sale. As a XXXX-year old widow, I am relying on the sale of the family home to keep me stable.
Having lost my XXXX job last week due to the COVID-19 pandemic, I can not pay the monthly mortgage, and it seems, I can not afford the cost of selling the property either. I realize there are many Americans who are facing this current financial crisis. I feel I am getting crushed again, by the loss of home equity in XXXX ; by the loss of my husband in XXXX ; and now with this previously undisclosed Subordinate Mortgage.
I desperately sought HUD forgiveness of this Subordinate Mortgage in order to proceed with the sale of my home on the rescheduled date of XX/XX/XXXX and received a response that HUD does not forgive the debt under any circumstances.
I would greatly appreciate the assistance of CFPB at the earliest opportunity, as my time is running out. I have spent every day since I became informed of this issue, trying to get information from PHH and from HUD/XXXX. I feel OCWEN/PHH did not comply with responsible mortgage practice by not informing me of the Subordinate Mortgage until the imminent sale of the property. This is not right.
Thank you, XXXX XXXX XXXX XXXX XXXX
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| 06/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I went online in XX/XX/XXXX to make my payment for XX/XX/XXXX and noticed that my information had been changed including the amount due, the due date online reflected next payment due of XX/XX/XXXX and the due date should have been XX/XX/XXXX ) as a result of someone changing my due date I could not make my payment for XX/XX/XXXX on line as a result of my due date being altered. Up to this point I have not had any problems making my payments on line. My assumption is that when my Chapter XXXX Trustee sent a request to the Ocwen on XX/XX/XXXX for Final Cure Payment the cashier did an assessment of my account to respond to the request and he/she changed/altered the due date. They completely re-applied my funds which resulted in them listing my account as past due as a result this locked me of my account on line preventing me from making a payment. Initially, on XX/XX/XXXX Ocwen 's response to the Trustee 's request was that my next payment due was XX/XX/XXXX which was correct information, the very next day they sent an amended respond the next payment due was XX/XX/XXXX which was incorrect. At this point was when I noticed my funds were being REVERSED resulting in the cashier listing my account as past due. In addition, the amount due was incorrect ; it reflected an amount due of {$660.00 } ( m y monthly payments are {$1100.00}. ) My account reflected {$660.00} due actually prior to the assessment of my account. I had not received any letters of explanation as to why the payment amount changed for XX/XX/XXXX . As of the date of this complaint I have not received an explanation as to why the payment due for XX/XX/XXXX decreased to {$660.00} and they now have it the same for amount due for XX/XX/XXXX is {$660.00}. Again, the information online is stating amount due for XX/XX/XXXX is {$660.00} and my payment for XX/XX/XXXX is paid and was paid for the amou nt of {$1100.00}. Also, under the Recent Payment History : on XX/XX/XXXX , it was listed twice as {$1100.00} payment Rev. Which indicated to me that once again someone has re-applyed my funds incorrectly which always results in and error with regard to my due date. I tried to resolve this issue with Ocwen I spoke to a representative on XX/XX/XXXX agent # XXXX and learned that the funds had been reapplied by the Cashier Department with no notation as to why on XX/XX/XXXX this had been done. I also learned that an amount of {$490.00} was placed in suspension but no explanation as to why. The agent had me speak to an Escalation Manager in the BK department Agent ID # XXXX who stated he would have my concerns researched and send me an email of the findings which usually takes 10 business days. In short what I received was what looks to be an Excel document of payments with : date due, due amount, date paid and paid amounts columns dating back to XX/XX/XXXX and the date due and date paid columns totally do not make any sense what so ever and the amounts and date column are have been absolutely inaccurately entered. And the end result is that they still have my account as past due when my account is current. I went through a similar situation that occurred in XX/XX/XXXX with Ocwen where my funds were not being applied correctly now once again I am faced with this issue where once again my funds have been altered and reapplied and now resulting in my account being listed as past. Ocwen acquired my loan in XX/XX/XXXX my account was current and to date I have never missed a payment.
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| 02/07/2017 |
Yes |
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- Settlement process and costs
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Web |
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Deposition attached evidence of XXXX attorney " XXXX XXXX '' spoon feeding questions to his robo-whitness during my deposition attached. Ocwen is scum of the earth committing fraud against me and all its corrupt signals all over our country.
Ocwen Robo-Witnesses Have No First-Hand Knowledge Of Homeowner 's Mortgage The law firm representing XXXX Bank XXXX XXXX XXXX in a Florida foreclosure action are demanding that the homeowner 's attorney, XXXX XXXX be removed from the case because XXXX accused XXXX Bank of using Ocwen Robo-Witnesses in foreclosure cases.
XXXX alleges the expert witnesses from Ocwen Financial, who is servicing the loan for XXXX Bank XXXX XXXX XXXX, have no first hand knowledge of the homeowners mortgage and are told what to say in court by Ocwen executives.
Three days later, XXXX allegations of Ocwen Robo-Witnesses being used by XXXX Bank and Ocwen appeared in the XXXX XXXX XXXX XXXX. Attorneys from XXXX XXXX XXXX XXXX XXXX who are representing the former XXXX, are fuming mad about the article that detailed how XXXX Bank 's servicer on the loan, Ocwen provides scripts to its unqualified witnesses to crush homeowner defenses and allegations of improper conduct by financial services sector employees.
XXXX provided the Daily business Review with XXXX questions and answers prepared by XXXX XXXX, a former XXXX XXXX attorney who represented Ocwen in the case against his clients, XXXX and XXXX XXXX, in 2013, as proof the lender coached " robo-witnesses '' with no first-hand knowledge of mortgage details.
XXXX XXXX XXXX XXXX XXXX allege XXXX sought to influence the outcome of the trial by publicly disclosing privileged information inadvertently provided to him. They also accused XXXX of releasing the information in a ploy to discredit XXXX XXXX XXXX XXXX XXXX, the XXXX law firm that handled the litigation in 2013 before XXXX XXXX XXXX XXXX XXXX took over the case.
In his XXXX XXXX motion, XXXX XXXX XXXX XXXX XXXX attorney XXXX XXXX requested the judge block XXXX and the XXXX from introducing the documents in court and filed a motion to disqualify XXXX Legal from the case.
The dispute apparently started when XXXX accused XXXX XXXX, a former attorney for Ocwen of improperly spoon-feeding questions and answers to unqualified records custodians testifying in foreclosure cases against Florida homeowners.
Ice provided the media with XXXX questions and answers prepared by XXXX XXXX, a former XXXX XXXX XXXX XXXX XXXX attorney who represented Ocwen in 2013, as proof the lender coached the so-called Ocwen Robo-Witnesses who had no first-hand knowledge of mortgage details.
The cheat sheet detailing an in-house witness preparation strategy was accidentally emailed to XXXX during a discovery disclosure in 2013 when the XXXX XXXX XXXX XXXX XXXX was still involved.
XXXX told the XXXX XXXX XXXX that he discussed the documents detailing the use of Ocwen Robo-Witnesses with the previous attorneys and later and later with the attorneys from XXXX XXXX XXXX XXXX XXXX to ensure the email contained no privileged client information. In his defense, XXXX claims that opposing counsel did n't assert privilege as required by Florida XXXX XXXX XXXX Procedure until after the article was published.
XXXX told the Daily Business Review, " We 're taking the position that it was n't privileged. The act of trying to disqualify XXXX Legal is pointless. It 's just trying to get even with us for letting the world know what they 're doing. You ca n't protect future fraud on the court by way of attorney-client privilege. ''
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| 08/16/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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To : PHH Mortgage Services XXXX XXXX XXXX XXXX NJ XXXX Subject : Notice of Error From : XXXX XXXX Account Number XXXX XXXX To Whom It May Concern, I am a XXXX XXXX veteran. I have tried unsuccessfully to get a hold of a mortgage service. Customer relations manager and home retention department state, I can only submit a complaint to notice of error. My mortgage was in a COVID Forbearance period. Following this, the loan modification presented to me by representative XXXX, agent ID ( XXXX ) did not follow the current VA law and guidelines. PHH raised my interest rate 0.5 % and forced me to pay back all the forbearance money owed immediately.
This does not follow the current law which states : The VA partial claim program involves the mortgage servicer making a claim on the VA for a portion of the outstanding mortgage balancein this case the portion equal to the forborne payments.
The borrower then owes the partial claim amount to the VA at 0 % interest and only due at the end of the mortgage loan.
There are no monthly payments required from the borrower to the VA for repayment of the partial claim. After the VA pays the partial claim, borrowers restart their pre-hardship mortgage payments to the mortgage servicer with the same monthly payment as before the forbearance.
The partial claim program is available for VA-guaranteed borrowers who are exiting COVID-19 forbearance plans and who were current or less than thirty days past due as of XX/XX/XXXX. Borrowers must indicate to the mortgage servicer that they can resume their former monthly payment. The partial claim loan can not exceed 30 % of the loans unpaid principal balance.
The VA issued a final rule setting out a partial claim program that, effective XX/XX/XXXX, allows homeowners to resume their new regular monthly mortgage payments without first having to pay the past mortgage payments that were forborne under the COVID-19 program. See 86 Fed. Reg. 28,692 ( XX/XX/XXXX ).
In addition, the best option according to federal law is the VA Disaster extended modification. According to the VA servicer handbook XXXX, XXXX XXXX XXXX XXXX ( Disaster Extend Modification ) and in accordance with 38 C.F.R. 36.4315. This state, The rate must not exceed the borrowers current interest rate. The loan can be extended by the equal number of months the loan is delinquent due to the disaster. The limit of the term extension is 12-months without prior approval from VA. Servicer waives the delinquent interest.
In addition to this an exception is granted for the following requirements in 38 C.F.R. 36.4315. ( a ). 38 C.F.R. 36.4315 ( a ) ( 4 ) : At least 12 monthly payments have been paid since the closing date of the loan.
Taking all of these factors into consideration. I tried to reject the current offer and need a mortgage servicer to contact me directly. It appears, based on fact, following the current law with my mortgage loan, my loan shall go in accordance with federal law and the VA Disaster Extended Modification. The loan shall be extended 12 months, interest shall be forgiven, interest rate must not exceed current borrowers interest rate ( 2.75 % ).
In conclusion, I was told, no mortgage servicer will call me or provide any contact information. XXXX ( PHH ) is not following the current law ; they should be held accountable for their actions.
I request my loan be modified in accordance with the current law. I also request a full audit for PHH. If the company is doing this to me, there must be doing this to countless other XXXX veterans.
Sincerely, XXXX XXXX
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| 12/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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In XXXX my wife became XXXX and was unable to work. The only income coming in was my XXXX check. On XX/XX/XXXX I filled out a hardship application so I could see if I could get help with the mortgage. On XX/XX/XXXX I called the mortgage company which is PHH and asked what the status of my application was. I got that they apparently received it the day before this call. That was mailed on XX/XX/XXXX. It took them that long to get the application into their system. I was told it was a 15 day turn around and I should hear something. XXXX days went by and there was no call. On XX/XX/XXXX I called and they said there was missing documentation. On XX/XX/XXXX the person I spoke with at PHH said my application was complete. He did say whoever downloaded the application downloaded in a way that was not in order. I told them that I was told the application was complete. They looked at the file and said yes it was complete. I had to remind them of my XXXX letter that shows what I make a month. I was told that this would be escalated to the underwriters department. On XX/XX/XXXX I called back to make sure that it was escalated and they said that it was and it would take XXXX business days to hear something. I called on XX/XX/XXXX and I was then told again that the application was not complete. I once again told them to look at the file because I was told last time it was complete and that it was being escalated to the underwriters department and a supervisor. Throughout this process I had asked to speak to a supervisor on many occasions and I was told that there was not XXXX available and they had XXXX to XXXX hours to call back. I called back again XX/XX/XXXX and no one again could tell me what was going on. I was then told they had XXXX days to make a decision. I told them that the reason I am doing this is because we only have XXXX income coming in and hear we are almost XXXX months since I mailed in the application. My wife also spoke to PHH as well and was told the same info. They were called by me on XX/XX/1924, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. We received an email on XX/XX/XXXX that the application was complete because they had requested another document which my wife immediately sent to them via email. On XX/XX/XXXX they said again the application was not complete. They stated that there was a missing amount in a box on the application that we could not write see attached letter. So XXXX months later they are finding this out!! Here we are with XXXX income and nothing has been done by this company. We received a complete run around every call. We even spoke to a relationship manager several times with no resolution. Then on XX/XX/XXXX my wife filled out the application for a XXXX time after we were told multiple times that is was complete. I called again on XX/XX/XXXX and they said the application is complete for the XXXX time and that again they have XXXX days to return an answer. I asked to speak wit an underwriter and was told that I could not do that. I asked for someone above a supervisor and was told that I wasn't able to do that either. I then had to contact them to get a payoff amount due to trying to sell the house and I was told that I would have that in XXXX hours. That also was a lie because I did not have it. I called the next day and I was told it takes XXXX business days. PHH does nothing but lie and keep extending the application process and does not communicate well. XXXX months later and still no answer. This is wrong. I have XXXX children to care for and they are dragging their feet.
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| 12/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am a victim of an unethical and predatory loan servicer, Ocwen. After years of battling with them it ended up in a court room and an agreement was reached that would allow me to save my home. The agreement required me to make a onetime lump sum payment of {$5200.00} in order to close the deal and I would then resume making regular monthly mortgage payments on my loan. However, after providing Ocwen with the funds they have changed the rules of the game and state that I owe them an ADDITIONAL {$8000.00} in order to pay some other past due fees that were not disclosed ( or clean up bad and shady accounting on their part ). They are holding my modification hostage and I am beyond flabbergasted. I also just became aware that I am being charged an additional $ XXXX in deferred interest. This is not what I agreed to. Although I am grateful that we were finally able to find common ground and reach an agreement that would allow me to have my loan modified, I do not appreciate Ocwen changing the terms after we already have reached agreement and then setting a sale date for XXXX XXXX.
The servicing of this loan has been a comedy of errors. The problem began in 2009 -- the financial markets were failing, XXXX had crashed and been bought out by XXXX XXXX XXXX and I received a notice that I had missed my XXXX 2009 payment. I provided proof of the payment and continued making payments, but instead of fixing the problem XXXX escalated the matter, refused to give me credit and filed a lis pendens and put me into foreclosure. I tried to resolve the matter but found it impossible to deal with XXXX or the infamous Law Office of XXXX XXXX ( shut down by Florida XXXX ) and could make no progress towards resolving this matter. The loan was transferred to Ocwen, and they tried to move forward with the foreclosure I began requesting documentation and discovered significant irregularities relating to the backdating of documents, altered ledgers, documents that are cut and paste, figures that do n't match, homeowner 's insurance that is paid by XXXX different entities in the same month etc. etc.
My Attorney and I were able to raise these issues and prove that XXXX and Ocwen had engaged in unethical and deceptive servicing practices. That is how we were able to finally come to settlement, because Ocwen did not want their business practices publicized through a legal precedent, and because I wanted to save my home. I never thought that they would renege on the terms of the agreement and demand a larger down payment in order to close on the modification. I also do not agree with or consent to the addition of $ XXXX in deferred interest. This figure is not accurate, this was proven in the documents filed with the court.
Again, I appreciate the fact that Ocwen is willing to work with me and that a resolution was provided. However, after the fact Ocwen has changed the rules of the game. This is a XXXX XXXX owned loan, and there are specific assistance programs available for me through XXXX XXXX as well as XXXX or in house Ocwen programs. I am not happy, nor do I agree to a down payment of more than {$5200.00} in order to enter into the modification. I am not happy about, nor do I agree to a deferred balance of $ XXXX that is due as a balloon at the end of the loan term. I am not happy about, nor do I agree that 3.875 % should be the rate for this modification. I am not happy nor do I agree to an escrow account. I do n't want to go back into litigation, I want Ocwen to honor the original initial contribution figure that was agreed to.
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| 02/04/2023 |
Yes |
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- Trouble during payment process
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Web |
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Hello, I refinanced my property on XX/XX/XXXX with XXXX XXXX. XXXX informed me that they were an in-house lender and that it would not sell the mortgage.
On XX/XX/XXXX, Wells Fargo filed a Petition to Enforce Promissory Note with Recognition of Mortgage seeking to Enforce the Promissory Note.
On XX/XX/XXXX I disputed the authenticity of the mortgage and the amount owed.
XXXXXXXX XXXX was claiming to be the servicer of the mortgage at this time and claiming Wells Fargo as the as the owner of the mortgage.
On XX/XX/XXXX, during litigation, XXXXXXXX XXXX informed me that they were transferring servicing of the mortgage to XXXX XXXX
Shortly thereafter, XXXX XXXX informed me that XXXX XXXX had transferred servicing rights to them.
I immediately contacted XXXXXXXX XXXX and informed them that the case was in litigation, and that I was disputing Wells Fargo 's claim of ownership, and Wells Fargo'sXXXX 's presentation of a fraudulent assignment of Mortgage from an XXXX employee acting on behalf of XXXX, falsified Affidavits of Amount Owed and a forced place Insurance against my property and an erred and substantially inflated Affidavits of amount owed.
These Affidavits of Amounts Owed are the identical Affidavits XXXX was prohibit from ever using again in a suit filed by the CFPB. XXXX followed with the same identical Affidavit with a substantially increase in amount owed.
After informing XXXXXXXX XXXX of this and notifying them that I was going to file a complaint with the CFPB, they notified me of a " Notice of Ownership Change '' on XX/XX/XXXX, and a " Notice of Servicing Transfer on XX/XX/XXXX informing me they were transferring the subject mortgage to XXXX XXXX
XXXXXXXX XXXX followed up with me informing me that they were now servicing the mortgage. I informed XXXX XXXX that I was disputing the authenticity of the mortgage and the amount owed. XXXXXXXX XXXX failed to respond to my phone calls and are sending me monthly statements with a {$50000.00} increase in amount owed.
On XX/XX/XXXX, the trial court Granted Wells Fargo Summary Judgement against me.
On XX/XX/XXXX I filed a " Notice of Intent to Appeal '' On XX/XX/XXXX, the Appellate Court reversed the Trial Court 's decision finding Wells Fargo failed to meet its burden to establish that it is the proper party to enforce the promissory note at issue.
As mentioned above, on XX/XX/XXXX, I received a " Notice of Ownership Change '' verifying the subject mortgage was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX not in its individual capacity but solely as Trustee of XXXX XXXX XXXX XXXX.
Wells Fargo claims to be Trustee in its Petition against me on XX/XX/XXXX.
Wells Fargo is not the holder of the promissory note and has never acquired it as claimed.
Wells Fargo and XXXX XXXX have presented Falsified Affidavits of Amount Due, a Fraudulent Corrective Assignment of Mortgage from an XXXX employee XXXX on behalf of XXXX, and a forced place Insurance policy on my property that refused to pay for damages storm damage.
XXXX XXXX, claiming to be the new servicer has sent me notice of another forced place insurance with the same company that refused to pay for damages in XXXX.
I litigated the matter back in XXXX, but the judge could not conclude the actual amount owed on the property so the case was dismissed.
I have over {$100000.00} of repairs that yet remain to be repaired due to the forced place insurers refusal to cover damages incurred my home.
My Mortgage amount owed back in XXXX was {$37000.00}.
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| 02/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH automatically enrolled me into a COVID Forbearance plan in XXXX even though i made all of my payments from my savings. I called and let PHH know that even though COVID was impacting my ability to earn income that i had enough savings to continue to make my payments.
PHH incorrectly applied some payments in XXXX and then decided to defer {$3900.00} to a non-interest bearing balance on XX/XX/XXXX. I scheduled a call for XX/XX/XXXX with my PHH Relationship Manager, XXXX XXXX, so i could understand the adjustments they made to my account. The relationship manager never called. I called the next day to find out why i didn't receive a call.
I was told that in the mortgage servicer 's system the relationship manager noted that he had made a phone call even though they didn't. I verified that they had my correct phone number.
In XXXX I made all of my payments from my savings. In XXXX i started to experience a prolonged hardship due to COVID. I contacted PHH and asked for a forbearance. They granted me a forbearance for XX/XX/XXXX- XX/XX/XXXX. In XXXX i also applied for the California Mortgage Relief and they were able to pay PHH {$17000.00} for the months of XX/XX/XXXX- XX/XX/XXXX.
I scheduled a call for XX/XX/XXXX with my PHH Relationship Manager, XXXX XXXX, so i verify that PHH had received funds from the California Mortgage Relief and they were applied to my account. The relationship manager never called. I called the next day to find out why i didn't receive a call. I was told that in the mortgage servicer 's system the relationship manager noted that he had made a phone call even though they didn't. I verified that they had my correct phone number.
I was able to make the payments in XX/XX/XXXX- XX/XX/XXXX. In XX/XX/XXXX i continued to experience a hardship and contacted PHH to request another Forbearance. On XX/XX/XXXX i spoke with XXXX XXXX and was told that i am under a modification plan that is under review. I was told that there would be no negative impact to my credit or credit score. On XX/XX/XXXX i spoke with XXXX XXXX and i was told that i was on a Forbearance plan from XX/XX/XXXX- XX/XX/XXXX.
I recently checked my credit score from XXXX, XXXX XXXX XXXX and PHH is negatively reporting that i am in default and it is effecting my credit score which is impacting my ability to gain employment since employers routinely check credit scores of job applicants. Additionally, PHH reported that i was in a Forbearance for the years of XXXX, XXXX and XXXX. I was told that under the CARES act that there wouldn't be any negative credit reporting. Reporting a Forbearance is a negative statement to my credit report.
My loan in a XXXX XXXX loan and their guidelines allow a 12 month forbearance that can be extended to 18 months if there was a Forbearance on the account before XX/XX/XXXX. I qualify under PHH investor XXXX XXXX guidelines to have a Forbearance for up to 18 months. XXXX XXXX Bulletin XXXX, issued XX/XX/XXXX, provided notice to mortgage servicers that they are to comply with forbearance requests.
Also, i was recently contacted by the California Mortgage Relief and was told that they have additional funding for accounts that have missed 2 payments before XX/XX/XXXX. I meet these qualifications and have applied for additional funding based on these new guidelines.
I have told you the complete history of what has happened to let you understand that i don't have confidence that PHH will communicate with me using their Relationship Manager as they are required to under federal lending laws.
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| 06/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Good morning. During the last year I was experiencing financial hardship due to a divorce. I reached out to my loan service Ocwen, about the possibility of an in house loan modification. Ocwen had helped me once in the past with a modification when I lost my job. They advised me that they would be happy to help me again in any way they could and sent me a loan modification package, which i promptly filled out and sent back to them. In the meantime, they advised me not to make any payments, as they would not accept any amount less than the sum of my past due payments, and that when my modification was complete, that i would be " back on track ''. I had no reason not to trust in them, as I mentioned earlier they had done this for me in the past, so I took what they told me to heart and simply waited for someone to contact me about the final terms of my modification. Meanwhile, unbeknownst to me, Ocwen was in full force foreclosure of my property. During my previous modification, I was advised by an Ocwen representative that I may still receive delinquency notices, but to simply " disregard '', as they are automatically generated, and that everything would be alright, I trusted them then, and it all came together as they promised. However, NOT this time. Instead of receiving a modification package from Ocwen, i receive a letter from the local Sheriff stating that they would be here to " seize my home '', the same home that has been in my family for almost 50 years. I was absolutely FLOORED to find that Ocwen had not only initiated foreclosure, but also completed it, so they say, conveniently " bought my house '' at sale, and was having me evicted with NO CORRESPONDENCE WHATSOEVER informing me of the situation at hand. I collected myself as best I could, sought legal counsel, contacted Ocwen, to no avail, wrote the Circuit Judge a letter asking for a stay in my case until I could try to strike some sort of agreement with Ocwen, and ever since I have been tossed from one desk to the next at Ocwen, like they are playing some kind of sick game, and always seem to land right back at their customer service center.. '' helping homeowners is what we do '' they boast ... On Friday XX/XX/XXXX, 2017, I received a telephone call from a man stating he was a relationship manager from Ocwen. His name Is XXXX, employee id # XXXX. XXXX advised me that he was contacting me to finish my modification, and that I needed to contact THEIR attorney at once, requesting a stay on my writ of posession, whilst he worked on said modification. I was suspicious at this statement, as I immediately thought that THEY should be the party contacting their attorney, NOT me?? I expressed my concern to XXXX, and was promptly halted, and instructed to do as he said, that he had a lot of work to do in order to complete this modification and not a lot of time in order to do so, and if they were to give me any rebuttal, to call him on his " direct line '' at XXXX and he would handle it. I reluctantly obliged and was promptly halted by his attorney. In the days since, I have been unsuccessful in reaching XXXX or Ocwens attorney, and now am back to playing a game of musical desks with ocwen to no avail.. On the bright side, I have yet to be ejected from my home, as the local court is graciously giving me time to exhaust every possible resource, however, my time is limited ... PLEASE HELP ME .... This is taking a toll on my nerves ... This home belonged to my Great Grandmother and I would like to keep it and pass it along to my only son ... PLEASE HELP
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| 07/24/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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Step 1 : What is this complaint about?
After 40 years of living in my home and XXXX years old, I was forced to vacate my home by XX/XX/XXXX, due to Ocwen Loan Servicing, LLC/PHH Mortgage Corporation refusing to take payment during a prolonged one-year Loan modification, hardship requests and number of denials to save my home. I received empty promises from several relationship managers that informed my house would be saved by stating that, Not to worry because were not trying to take your home, which lead my home into placed into foreclosure proceedings. They refused to remove my mother from the deed of trust, as well as her income from my household income while she was living in a XXXXXXXX XXXXthey refused to remove my mother after she had deceased on XX/XX/XXXX. I went through several modification packages and notary publics to prove to them that my mothers income was not included in my household. Therefore, there was a change in the household income, which caused hardship for a single senior citizen woman on a fixed monthly income.
Step 2 : What type of problem are you having?
I spoke to several relationship managers but not my assigned RS Manager because he/she was never at my disposal. There were a few relationship managers who had substantial language barriers that were difficult to understand what they were trying to inform me. One relationship manager told me from Ocwen Loan Serving, LLC/ PHH Mortgage XXXX that my modification was denied twice after they had recommended me to fill out the paperwork several times, including submitting my financial records several times, my mothers financial information, and going to a notary public. I had visited the XXXX XXXX business office to obtain my mothers financial information during the time of the modification. My mother had XXXX ; I was required to submit my and my mothers financial information numerous times, I was later informed that the information was all lost. Before sending the financial information, I wrote a letter informing Ocwen/PHH Mortgage that my mother no longer resides with me. Ocwen/PHH Mortgage refused to accept my mortgage payments unless I include the delinquent amount in full after being reassured by several relationship managers that I would not lose my home and not to worry during our monthly relationship management calls and not send payments right now while applying for modification or hardship requests. Also, I received several notification posts hanging from my doorknob for me to call them in between the other monthly calls. After several months of stress and anguish dealing with this mortgage company, I received a letter and a phone call that my home was going into foreclosure, and I could contact the mortgage lawyer in charge of the process. When I contacted PHH Mortgage lawyer ( XXXX XXXX XXXX ), they informed me that they had not received any modification or foreclosure paperwork and reassured me that I had nothing to worry about.
Step 3 : What happened?
My home was forced into foreclosure. I had no choice but to move out by XX/XX/XXXX, to live with my daughter, because my house was being auctioned after owning home for 40 years. I had to move a houseful ( 5 rooms ) of furniture into storage or be thrown out before the auction.
Step 4 : What company is this complaint about?
Ocwen Loan Servicing LLC/PHH Mortgage Corporation Step 5 : Who are the people involved?
I never spoke to the same relationship manager or my assigned relationship manager. I was always informed that my Relationship Manager was not there.
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| 01/23/2016 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
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To Whom It May Concern : I am writing this letter in acknowledgement of the past late payments on my Ocwen mortgage ( XX/XX/XXXX/XX/XX/2015 ), as it appears on my recent credit report. Currently I 'm an XXXX XXXX XXXX in the process of purchasing a home with a VA lender. Due to the consecutive missed payments, the VA lender who is providing the approval of my loan has recently come to a halt. Therefore, I would like to see if there 's a possibility and request from Ocwen, an Amendment letter in order to have one of the missed payments removed from my credit report? I 'm also asking Ocwen to consider my excellent payment history in the previous years before the months mentioned. Below is a detailed explanation regarding this situation.
Explanations : Ocwen has been servicing my loan for the past few years for the residence mentioned above in the state of Tennessee. Upon my relocation to XXXX from XXXX, I was informed by Ocwen that my loan would be transferring to XXXX XXXX in or around XXXX XXXX 2015. During XXXX I cancelled my auto draft payments to avoid confusion with loan payments. This action caused my XXXX payment to be returned from my bank. When I did submit my payment manually to Ocwen it did n't withdraw payment immediately, instead the payment took several days to go through and therefore went past the 30 day period.
During XX/XX/XXXX when I called to submit our payment for the month, I spoke with a representative from Ocwen and they informed me that they could no longer see my information in there system due to preparation of loan transfer. After several attempts to make a payment for XX/XX/XXXX, they suggested to me to wait until XXXX XXXX had taken over the entire loan. It is unfortunate now, but I wish we could have annotated my attempts with Ocwen during this time. As I stated before I 'm on XXXX XXXX and XX/XX/XXXX as the transfer date had approached, I received noticed that I would be XXXX XXXX.
XX/XX/XXXX and prior to my XXXX, I informed XXXX XXXX that I had attempted to submit payment thru Ocwen for XX/XX/XXXX. I also informed XXXX that Ocwen reps had suggested that once the loan was under XXXX 's system they would have record of my payments and would be up to date. I would like to clarify that I did inform both companies that despite my cancellation of the Auto drafts from my bank, I was concerned in the long run of something negative being reported to credit bureau 's due to delay in payments! XXXX XXXX did assure me that No reporting would be submitted for 60 days from day of transaction. Once the loan had been transferred all payments were completed and have been up to date to my knowledge. This is the end of my explanation from XX/XX/XXXX through XX/XX/XXXX while the transfer was taken place.
Upon my return from military XXXX, I was researching the idea of a renovation loan thru a local mortgage company XX/XX/XXXX. The local agent inquired about my credit report and discovered that Ocwen had posted two late payments for XX/XX/XXXX and XX/XX/XXXX with the credit bureaus. I have contacted Ocwen and explained the situation, and have done several follow up calls during XXXX. Today, I was informed to submit this letter to the Research Department with Ocwen to hopefully see if their staff can assist me with this matter. I understand that during the time period mentioned, several actions could have been handled differently. We are only human and mistakes happen. I would like to once again ask Ocwen to consider my previous payment history regarding this loan, and wish for an amendme
|
| 11/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Older American, Servicemember |
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We had our XX/XX/XXXX 30 yr fixed mortgage sold to Ocwen about XX/XX/XXXX. In XX/XX/XXXX we called Ocwen & got a lower rate on our mortgage but only one name now was on the mortgage. My husbands not mine. Ocwen said we did n't sign the new paperwork correctly. We did. I am the payee of all bills but when I would call Ocwen to have this issue addressed they said it could n't be fixed & the person whose name on the mortgage could only speak to them unless a letter was written giving me permission to speak. Both our names husband & wife were on the original mortgage they held. In XX/XX/XXXX my husband had XXXX. We struggled to pay Ocwen, we made monthly payments in full & did occasionally make partial payments. We collected Social Security & held a partial mortgage on a business we sold but that monthly payment was not made till the XXXX of the month. We contacted Ocwen repeatedly to get help in lowering our payments, or helping us in any way making the due date later in the month not the XXXX. In the beginning Ocwen allowed us to call in and make mortgage payments adding a handling fee {$15.00}. It was a convince over the phone so they charged. We always used a Debit card not a charge card. When they started threatening letters we were unable to call in monthly payment so we had to mail them a check. Payment was due the XXXX of the month & Ocwen was sent a check before the XXXX of the month but many, many times they applied or converted the check after the late date of the XXXX of the month always resulting in a late fee due. Our pleas we were n't late fell on deaf ears. Letters for foreclosure came. Threatening letters. We contacted a bankruptcy lawyer and filed for chapter XXXX. Our son came to our assistance and took out a loan so our lawyer could give Ocwen the partial money they needed. We went through bankruptcy, made our payments & got out of bankruptcy with our credit ruined. Ocwen still held the mortgage. They still sent letters saying money was still owed for different months, different years. We had to take our lawyer bank statements, cancelled checks etc & Ocwen still said we owed money. Our lawyer had to fight them for a very long & frustrating time. No matter how many calls from him or us could get Ocwen to acknowledge money was n't owed. Finally after many frustrating times they said that no money was owed. We were forced to buy insurance through there companies to be included in our monthly payments as we did n't have money for this. So they charged exorbitant fees & our mortgage payments went up. Our taxes were also incorporated in monthly mortgage fees. We rarely received checks at the end of the year for any surplus money. When we got the original mortgage we had recently sold our business in XX/XX/XXXX & were considered unemployed. Ocwen split our mortgage the XXXX mortgage had one rate and was for the bulk of the money & the 2nd mortgage ( with both our names on it ) a different rate. Recently Ocwen sold the XXXX mortgage ( with only my husbands name on it ) to XXXX XXXX XXXX XXXX We were never informed till after the transaction occurred. We still have the 2nd mortgage with Ocwen. We have called Ocwen multiple times trying to get the last 2yrs payment history so we can get a VA mortgage & Ocwen promises to mail or fax the history and never come through with that information. So we are unable to take any advantage of the lower rates available. We will at our expense have to go to our lawyer & try to resolve this issue. Ocwen is a horrible company & we are being held hostage by them.
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| 04/23/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX To Whom It May Concern : We are assuming you can access all our submitted documents in the courts and banking systems in support of our complaint for your review and response, if not, please dont hesitate to let us know.
Name, address and telephone number XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX 's Phone : ( XXXX ) XXXX XXXX Phone : ( XXXX ) XXXX Name and address of the bank involved in your complaint XXXX XXXX & its representative Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Mortgage Loan # XXXX Names of those you dealt with at the bank, including dates XXXX XXXX Other Details Attached A detailed description of your complaint.
Attached are legal briefs and summaries describing how XXXX XXXX and, its representative, Ocwen Loan Servicing has illegally foreclosed on our income producing property when we were current on our loan and without any notice. To date, we have NOT received any reprieve through the legal system because of what we deem as corruption.
SUMMARY OF ISSUES : 1. How can XXXX XXXX, Ocwen, et al. and their representative, XXXX XXXX accept our late payment of XX/XX/XXXX online and keep that XX/XX/XXXX payment and then Foreclose on our Property without notice?
a. When we paid with a manual check for the XX/XX/XXXX because the online system was blocked, XXXX XXXX, Ocwen et.al ONLY returned the XX/XX/XXXX payment. XXXX XXXX Ocwen, et al. suspense account shows the SAME SUSPENSE BALANCE after the appliedXX/XX/XXXX payment. XXXX XXXX, Ocwen, et al. claimed they were supposedly reviewing newly submitted loan documents for a reinstatement of the loan, or another forbearance modification which never occurred.
b. The crux of XXXX XXXX, Ocwen, et al. case was they returned the XX/XX/XXXX payment and that we were late but they NEVER returned our paymentdoing simple math, the Suspense Account Balance NEVER changed after the XX/XX/XXXX. XXXX XXXX, Ocwen, et al. ONLY retuned the XX/XX/XXXX payment, as the Suspense Balance illustrates.
c. There are laws and cases where banks are prohibited from foreclosure when new loan applications and documents are being evaluated to modify or reinstate loans. However, apparently, it is acceptable for XXXX XXXX and their representatives do as they wish with absolutely no recourse.
2. How can XXXX XXXX, Ocwen, et al. enter into a forbearance agreement with us and our company, while simultaneously maintaining a Notice of Default, when its against the law?
a. Learned that XXXX XXXX, Ocwen, et al. were simultaneously doing the evaluation for another modification while keeping the Notice of Default alive.
3. How can XXXX XXXX, Ocwen, et al. collect our payments over the course of eight ( 8 ) months, though sometimes late but ACCEPTED, during the worse economic downturn since the XX/XX/XXXX, then foreclose on our property?
4. How can XXXX XXXX, Ocwen, et al. foreclose on our property without ANY notice, legal or otherwise?
a. Without due process.
b. XXXX XXXX, Ocwen, et al. ACCEPTED payments over the course of eight ( 8 ) months, though some payments were made late, they were ALWAYS ACCEPTED.
c. XXXX XXXX, Ocwen, et al. did NOT return the XX/XX/XXXX payment.
d. XXXX XXXX, Ocwen, et al. simultaneously maintained the NOTICE OF DEFAULT though we had entered into a forbearance agreement.
If we have contacted the wrong department for our complaint please let us know in your response. Or kindly forward our letter to the correct department.
Yours sincerely, XXXX XXXX and XXXX XXXX
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| 01/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
The issue is faulty data and scheming on payments.
I had recently filed a complaint against PHH Mortgage about not speaking to me on behalf of an estate by not giving me access to the online account, not wanting to refinance this extremely high-interest rate and not speaking with me over the phone. The CFPB contacted the company and resolved the issue. I recently got access to the online account and found the mortgage company says that I am in a negative on the escrow. I'm looking at the monthly statements and according to those statements, I should have had well enough funds to cover the escrow. Upon further review, looking at the account, I find they have been charging me a late fee since XX/XX/XXXXwhich should not have been. 1st, I only had access to the statements starting statement date XX/XX/XXXX in which my escrow YTD balance was {$430.00} YTD. If you look through to the XX/XX/XXXXstatement ( XX/XX/XXXX ), the escrow YTD is XXXX. Looking at it from the escrow balance, the statement date of XX/XX/XXXX, there is an escrow balance of XXXX. Escrow taken from payment is {$73.00}, the balance as of XX/XX/XXXXshould be {$430.00}. Which further proves there were enough monies there for escrow. I called on XX/XX/XXXX to state my case and XXXX agent number XXXX told me that escrow was paid in XXXX that's why I have an XXXX balance. He kept repeating the script and therefore I could not get an understanding. I thanked him kindly and started to research the matter myself. I found the escrow was paid on XX/XX/XXXX, which meant I did have enough for escrow. 2nd, In the month of XX/XX/XXXX, my bank inadvertently paid PHH mortgage twice. When I asked them about this they asked me to contact PHH Mortgage to ask if they would refund me my money. I declined and told the bank this was their error and they should fix it, in which they did. I'm looking at my statement and PHH mortgage charged me late charges for the return of monies that were never due to them and they have been charging me late charges every since. This claim can be found on the statement date on XX/XX/XXXX. I called them and asked them why was I being charged a late payment when I pay extra every month and they said the payments are late after the XX/XX/XXXX. Mind you I didn't have access to any online documents and the address they had was invalid because they wouldn't talk to me. Once I got access I see on the statements, late charges are not charged until after the XX/XX/XXXX. 3rd, none of the documents make sense. The year-end documents are different and the annual escrow statement is a mess. I have been going through this with them for over 15 years. In XX/XX/XXXX I paid them almost {$6000.00}, because I didn't know about filing complaints with the CFPB, to get this account straight and up to date. I have been overpaying my bill to make sure this would never happen again, but when you are dealing with snakes they always find a way to slick you. When my mom first passed away I asked them for a signed copy of the mortgage agreement because she had XXXX XXXX and that money was nowhere to be found. I am seriously questioning whether she actually took this loan in the first place. I would like to see the original documents for a signature and if this is truly her loan, please stop taking advantage of the situation. I had to delimit pages from my attachment to comply with the upload requirements. I hope you have enough of what you need for proof. If not, I will be more than glad to provide you with the entire file through another portal.
|
| 12/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Thanks for your response to claim # XXXX.
Your response states that ( 1 ) there was only XXXX investor and since the loan is now paid in full there is no investor.
You also included a XXXX indicating that such XXXX cleared the original pending XXXX assignment, XXXX obtained upon The XXXX XXXX Bank bankruptcy back in XXXX.
However, you failed to notice that such XXXX is a XXXX XXXX XXXX filed in XXXX for a loan that existed under a different apartment - XXXX. The loan Ocwen serviced was for apartment XXXX. Apartment XXXX was sold in XXXX and due to a hold up at closing for a pending lien on such apartment, is that I learned about another lien pending under XXXX which I was also completely unaware of.
XXXX XXXX Bank was acquired by XXXX Bank. Therefore, the XXXX Ocwen is enclosing indicating as lien release on apartment XXXX is false. XXXX XXXX needs to issue a clearance of such assignment. Specially when as you are stating there is no longer any investor affiliated with the shares of apartment XXXX as the same is now paid in full.
XXXX XXXX never notified me nor any shareholder that they were going to obtain a loan under which they were going to pledge all the shares of the Co-Op 's apartments. Such master loan was for the Co-op to obtain the deed to the land where the Co-op sits and which loan was paid in full XXXX. We ( shareholders ) are still waiting for such deed.
Your investor not only misrepresented himself, abused its power by utilizing certain board members to its own benefit and has caused me and family great disruptions. As mentioned before, limiting my ability to rent. Sponsor always manipulated boards thru the use of insider 'shareholders '.
I even think that they are responsible for the missing of XXXX of my brothers in an effort to prevent a family member to stay on my apartment. ( while this is all pure speculation, I want Ocwen and the world to know the extent of greed involved in these undercover arrangements - i.e. loan assignments which no XXXX other than parties directly involved know. They heavily impact the borrowers - specially those of Co-Ops who do not know what dealings the investors are involved in that could negatively impact the investments shareholders pay for while investors only collect profits even when none may exist. ) ( 2 ) I received a copy of the proprietary lease from XXXX XXXX for my signature which I returned requesting that they send back the same duly executed along with the stock certificate. XXXX XXXX had sent me XXXX proprietary leases. I returned only XXXX since per multiple attorneys I consulted with, there should only be XXXX proprietary lease as I am the only owner of the shares. I 've been paying for the loan on this apartment since XXXX.
XXXX XXXX is unwilling to process the proprietary lease claiming that they need both proprietary leases they sent to me. I sent XXXX back, will not sent XXXX proprietary leases. XXXX is null and void.
I request that you instruct XXXX XXXX to forward you the corresponding executed proprietary lease together with the stock certificate and submit the same to me immediately in completion of the pay off documents Ocwen owes me.
You also stated that I have failed to proof to you that there were multiple assignments. I had sent you copies of the XXXX and XXXX from XXXX Liquidating Trust filed in XXXX while XXXX XXXX maintained the original assignment since XXXX which they obtained upon The XXXX XXXX Bank bankrupcty.
XXXX XXXX needs to issue remedy to me for the assignments they entered into illegally.
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| 11/30/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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I recently called my mortgage company the end of XXXX sometime in XXXX to let them know that I lost my job and I had sent me behind. I lost my job XX/XX/XXXX of this year and Ive been playing catch-up ever since so I initially applied for the mortgage assistance and they said that they were gon na give me a financial relationship manager, or somebody I can speak to in regards to my application, but there was nobody I could speak to. I had to wait a month to speak to somebody so in the meantime, I submitted my documents in the beginning I have all copies fax copies stating that I sent it then I spoke to somebody on XX/XX/XXXX or XXXX stating that my documents I faxed over we werent clear so they were going to request for the documents to be rescan so when I spoke to the guy, he said to me that if I dont hear back from him by the end of the following week, that means no news is good news and I should be all set but if I heard from him or any kind of letter in the mail stating I was missing documents, then I would need to submit whatever I needed to submit now I didnt get nothing in the mail, I didnt get a phone call from the guy so I figured I was good but I finally got a letter in the mail saying that I was delinquent on my loan on my house so I recently called back and the person I spoke to told me that my application was denied in regards to missing documents, and I said that I dont understand I said I was waiting to find out if I was missing anything if my documents were rescan, I said this person was supposed to call me or send me something in the mail and I didnt get nothing. I got one letter in the beginning when I first applied for mortgage assistance stating the documents I needed and the next letter in the mail I got was the delinquency then Ive reached out again on several occasions and they were telling me that they would call me back within a couple days and this was the week of XXXX so I shouldve heard from somebody on Friday. I didnt hear anybody from Friday I called twice. The last person I talk to that day told me that there was no no of a manager supposed to call me he put me on hold I was on hold for like 20 or so minutes and then all of a sudden the phone went dead and then the hours they closed so I reach back out to them, I spoke to a XXXX her agent ID is XXXX is what she told me and told me that she couldnt get a hold of a supervisor that there was nobody available and that she was gon na have somebody contact me within 24 hours now its been over 24 hours. I still havent had a phone call theres Ive submitted documents again through email through fax and still nothing on their end on the XXXX I dont see anything im just trying to have my situation resolved whether I pay half whether I pay something or whatever now Im talking to a mortgage counselor I am gon na be talking to an attorney as of tomorrow but there is some kind of communication that theyre lacking something like I Ive been told theyre gon na call me that theyre gon na give me the runaround I mean I pay my I pay my bills. I said this is the only time that Ive I lost my job and it put me behind. I said were all human but they but every time I call there theres nobody I can speak to theres nobody I can speak to so, all Im asking is to do something because this is crazy I the company I have is PHH mortgage and I was told that there have been an issue for other people as well. When I spoke to the housing person thats out of XXXX XXXX and another person thats out this way. They both said not good things about them.
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| 08/24/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I am a victim of mortgage foreclosure fraud since XXXX XXXX, XXXX. My previous CFPB complaint # XXXX is unresolved. My previous Office of the Comptroller of Currency XXXX is unresolved. Although I had an Independent Foreclosure Reveiw and received payments as a result of the federal banking regulators enforcement action against Litton Loan Servicing for deficient mortgage servicing and foreclosure processes, recently as XXXX XXXX, XXXX, ( XXXX XXXX XXXX. # XXXX ) I am still the Defendant in foreclosure XXXX CH XXXX before the XXXX XXXX XXXX XXXX, XXXX IL. XXXX XXXX XXXX apparently processed me as part of the process as revealed in XXXX U.S. ex rel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al., case number XXXX, in the U.S. District Court for XXXX XXXX XXXX of New York . I have been repeatedly denied my right to participate in AG settlements with XXXX ( IL ), XXXX XXXX XXXX XXXX, the CFPB settlement with Ocwen Loan Servicing, and other enforcement actions. I have received compensation from the Federal Reserve, for the deficient mortgage servicing practices of Litton Loan Servicing, only to be replaced with the mortgage fraud of Ocwen Loan Servicing. Ocwen Loan Servicing has committed perjury in XXXX trials in XXXX CH XXXX, and Ocwen XXXX, who reported to the SEC that it debanked in XXXX and is no longer an entity regulated by the Office of Thrift Supervision, is currently an ongoing concern committed to pay property taxes for my property in XXXX XXXX, Illinois from XXXX. Multiple instances of " evidence of business records '' have been manufactured to mislead the Court, and create the illusion that a fictitious Plaintiff has the capacity and standing to foreclose. I have challenged standing, capacity, and alleged fraud since XXXX XXXX, XXXX. I have been prosecuted in foreclosure for almost 8 years, by a Plaintiff Trust that does not exist. These national entities are working in conspiracy with corrupt local officials. The scheme is complex and ongoing. I would appreciate a declaration if XXXX, as Successor Trustee to XXXX XXXX XXXX, as Successor Trustee to XXXX as Trustee to the XXXX XXXX Mortgage pass Through Certificates dated as of XXXX XXXX, XXXX exists, ( it does not ) and since it does not, demand the accountable party XXXX, as successor to the XXXX XXXX XXXX XXXX, to implement and execute my participation in any homeowner relief based upon my appraised property value of ( $ XXXX ) and the return of the {$52000.00} surplus in my escrow account as stated by Ocwen Loan Servcing, and all payments $ XXXX made to the fictitious plaintiff and XXXX, plus attorney fees. Further, I want Ocwen Financial Corp., a public company, to explain how Ocwen XXXX, ( Ocwen XXXX ), which was regulated by the Office of Thrift Supervision, and which also debanked in XXXX of XXXX, can continue to exist as a going concern and can " commit to pay '' my property tax bills, beginning in XXXX and continuing through at least XXXX. My understanding is that Ocwen Loan Servicing is now regulated by entities other than the Office of Thrift Supervision ( Office of the Comptroller of Currency ). Ocwen has sworn under oath that my loan was not sold to XXXX or XXXX XXXX, which is proven perjury, according to the settlement in XXXX, XXXX of New York. If the CFPB is an efffective consumer protection agency, it can demand that the mortgage fraud committed by Ocwen Loan Servicing Cease and Desist, and compel them to compensate all homeowners who have been adversely affected by the continuing practice of mortgage foreclosure fraud.
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| 01/19/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Dear Consumer Financial Bureau, Re : Complaint against Ocwen modification Dept.
I am providing you with a summary of my complaint with relevant documents.
s a victim of the XXXX Mortgage crash and suffering financially since then, never regaining my previous income or my joy of life, I will attach the information for you to decide if I was given the appropriate help agreed by the mortgage servicer 's and the government. I wanted to get an affordable 2.00 % fixed mortgage instead of once yearly adjustment. That rate was still available at that time. I believe that because I have a home with equity that they just want me to short sell and pay them off and that I am not allowed a modification.
After Homecomings sold me loan to GMAC my loan did go in default and at that time could never get a loan modification approved by GMAC then either. They also wanted me to short sell ( This in itself is a huge amount of documents ) The only help I received was from " Keep your Home CA '' without a problem they paid my loan current to get me out of foreclosure and for this I am grateful. At the same time I applied for numerous loan modifications and asked for a fixed loan ; which I was turned down. GMAC sold loan to Ocwen which is my current servicer.
In XXXX XXXX I received a Ocwen notice stating that in XXXX XXXX my 5 year interest only loan was to recast to interest and principle, increasing my interest only payment ( all I could maintain due to decrease in my income ) went from {$1000.00} which I paid on time for 6 years to {$2100.00} which I could not afford.I was proactive and applied for a modification in XXXX XXXX but they denied me and verbally told me to miss payments and then apply. I immediately applied for a Principle reduction with keep you home California in hope to get an affordable payment because I knew from past experience I would not get a loan mod from Ocwen, It took almost five months to get the KYHC principle reduction and I had to work XXXX hrs ( at age XXXX ) hour a day to be able to keep from going into default. I still kept applying for a mod with Ocwen and got denied.
I kept getting a different relationship manager because the one that gave me was never available, so they would give me another one.
guess if you have a home with equity they almost force you to short sell or take it back thru foreclosure, Never help for me with Ocwen nor GMAC, Bottom line they want my home, If this Hamp or Harp was only for people upside down then the media and government should have said to us " you are out of luck '' Here are the issues that I would like to express regarding this : 1.To be late on my payments before I could receive help ( they deny stating that but they did 2, Telling me that they ca n't change my note?
3. Telling me I ca n't get a Harp loan or Hamp 4. Trying to cajole me into a short sale ( My house has equity ) 5. Turning me down for a modification even though I had a hardship and proved that 6. Changing my relationship managers repeatedly In closing my hopes are that you are truly an organization that can do something about this Ocwen loan modification situation because I know from several people in the mortgage industry That Ocwen rarely provides loan modifications to those who apply.
I paid my mortgage on time for over 5 years.
In closing my hopes are that you are truly an organization that can do something about this Ocwen loan modification situation because I know from several people in the mortgage industry, That Ocwen rarely provides loan mods to those who app
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| 02/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I, XXXX XXXX, the sole mortgage holder of loan # XXXX for property XXXX XXXX XXXX, XXXX, Ca XXXX that was recently being serviced under PHH Mortgage service but now been paid off by an unauthorized 3rd party without the consent or use from me of my personal usage of my information. PHH mortgage has not addressed nor resolved my prior complaints filed against them under FTC.
My complaint against PHH Mortgage is they have continually given out my person information regarding my loan info. to a 3rd party unauthorized party. I was told by thier own representative on the customer service line in XX/XX/XXXX that an attorney XXXX XXXX that is not any attorney of mines contacted PHH Mortgage in XX/XX/XXXX requesting my payoff amount on my loan and I was told by Phh Mortgage representative that they did indeed give my payoff info to this unauthorized person that has no court order or consent of mines to get my payoff information.
My question is why did phh mortgage give out my personal info once again to an unauthorized party? They continue to violate my rights of privacy and my own chapter XXXX bankruptcy of the debt that has been discharged back in XX/XX/XXXX under XXXX # XXXX and no one should be doing any service under my debt at this point without my consent.
However, it came to my attention my debt was now paid off in full in XX/XX/XXXX by an unauthorized 3rd party without my consent or knowledge which was told to me by a phh representative in XX/XX/XXXX. So I spoke with an escalation manager in XXXX XXXX regarding this situation to return the {$200000.00} back to whom ever paid off my debt. I did not want my loan paid off due to tax purpose. Phh Mortgage stated they do not know who paid off the loan, it was wired to them but they would look into the matter and request all monies be returned. However it is a whole month later and no money has been returned. I keep getting the run around it has to go through different departments for approval and once this is done they will return the money to the sender.
I have never gave consent for anyone to assume my loan and I did not refinance my loan or consent for anyone to use my personal info to refinance my debt that has already been discharged. If phh mortgage was not giving my personal info out to others in the first place this illegal transaction could not have been carried out.
At this point, I do not feel phh mortgage has any intention to return money to unauthorized persons. I dont feel they wouldnt care if someone robbed a bank to pay off the debt, as long as they got their money. They certainly don't care about giving out my personal information and I am filing this complaint once again for FTC to look into their practice.
What I want answer and resolved by phh mortgage which still has not been responded to is : 1. Have phh mortgage address why did they give out my payoff info to attorney XXXX XXXX without my authorization which they now trying to cover up happened and play XXXX? Although they rep told my by phone back in XX/XX/XXXX.
and 2. When are they going to return the {$200000.00} back to the unauthorized 3rd party sender as they have stated to me?
Once again, I did not give my consent for anyone to do anything with my loan. Not assume it nor refinance it. Imy debt had already been discharged and no one had a right to do anything under my loan without my consent or court order.
3. I'm requesting ftc take necessary steps to penalize this mortgage company for violating my rights to privacy and my own bankruptcy discharge.
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| 01/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We have a loan serviced through Ocwen. We did a temporary modification in XXXX and they advised if we paid on time every month, in XXXX of XXXX they would do a permanent modification. In XXXX or XXXX XXXX they requested updated documents for modification and we provided them. They came back and refused an additional modification and advised a balloon clause was on the temporary modification and payment was due in full XXXX/XXXX/XXXX. This was obviously surprise. They refused a modification initially. We tried to get them to allow a possible short sale or deed in lieu. They refused all attempts to resolve it and demanded payment in full. They also would not allow us to make any further payments on the loan. Their only option was to accept another modification that would have extended it 4 months, but added XXXX ( {$9000.00} + ) of dollars to the payoff which be due in full XXXX/XXXX/XXXX. If we accepted that we would have pay {$500.00} by XXXX but a balloon payment was still due XXXX/XXXX/XXXX. A few months ago we listed the property to try and sell it and cover the loan. We finally ratified a contract and let them know we were selling around XXXX XXXX XXXX with a settlement in XXXX XXXX. We requested a payoff and they advised they could only offer a payoff for 30 days ( as they have been each month ). They also let us know that the loan would be going 120 days late XXXX and foreclosure could start, but said they could put a hold on the foreclosure proceedings since we signed contract to sell. They sent us a payoff but it was only good till XXXX XXXX. Fast forward to XXXX and we called to let them know that with money from family we were actually paying the loan in full with the applicable per diem interest and would be sending it overnight. Unfortunately we got a letter from an Attorney the same day, but oddly that later was dated XXXX XXXX, 1 day before the payoff expired. That letter demanded a payoff amount with over {$9000.00} in attorney fees now added. They then claimed that they could not put a hold on the foreclosure and multiple people advised they never even heard of that process. We contacted the obudsmen 's office and they advised they would investigate and did. He said the individual that told us the foreclosure could be put on hold was never promised. Ocwen advised they now need to do another appraisal on the property to even release a payoff quote. Which of course we will be charged for. They said they are now temporary holding the foreclosure but have not provided an updated payoff. We have been trying for a week now to pay this in full and they continue to say the attorney fees are due in addition to the loan payoff, but we can not get an actual payoff until we agree to that other appraisal. And that payoff will only be good for 30 days, but for some reason the last payoff was only good 17 days. Its our opinion they short changed the payoff in order to have the attorney produce the letter and collect additional money. The request is for approximately {$9000.00} in attorney fees from the letter on XXXX/XXXX/XXXX, yet the earliest the attorney could have been advised of the foreclosure was XXXX/XXXX/XXXX due to the new year holiday. How does that happen when we an outstanding payoff good till XXXX and how can they claim {$9000.00} in attorney fees after only having it referred 1 day previously and producing 1 letter.
We want this resolved by honoring the payoff that was produced prior to the attorney fees being added and we will gladly include the per diem interest.
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| 06/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I obtained a mortgage loan on XXXX/XXXX/XXXX. The property securing the loan was a condo in XXXX XXXX XXXX, Utah, appraised on the loan date at {$370000.00}. The original loan amount was {$330000.00}. The XXXX payment on the loan, {$2100.00}, was made on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I made an additional payment in the amount of {$310000.00}, reducing the loan balance to less than {$24000.00}, or slightly less than 7.5 % of the original loan amount. I telephoned Ocwen Loan Servicing and asked to have the PMI cancelled, since the loan to value percentage was now well under the minimum percentage for mandatory PMI. Ocwen sent me a form letter dated XXXX/XXXX/XXXX which ignored the current loan balance. The letter stated I would be required to show a satisfactory payment history of at least XXXX months and provide a new appraisal or BPO prepared by Ocwen 's designated vendor before termination of PMI would be considered. I called Ocwen again ( XXXX/XXXX/XXXX ) and was told by a representative that Ocwen 's internal policy required that I follow the procedures outlined in the XX/XX/XXXX letter - no other options were available. I asked to speak to the supervisor. I was told the supervisor was unavailable. I asked how to get alternative consideration since the loan balance was now so small. She said she would submit a dispute/request on my behalf asking for retroactive termination of PMI to XXXX/XXXX/XXXX, but her system did not permit her to provide me with any copy. I then received a letter ( XXXX/XXXX/XXXX ) stating that PMI would be terminated only when the loan amortization schedule ( XXXX years ) reached an LTV of 78 %. The date could not be altered by payment of additional principal. I called Ocwen again ( XXXX/XXXX/XXXX ) and spoke with a representative about both letters, pointing out that both ignored the fact the original loan balance had been reduced by over 92 % with the XXXX loan payment. The representative told me for the first time I could have PMI terminated by providing an appraisal that was issued no earlier than XXXX days prior to requesting PMI termination. I told her I had requested termination of PMI in XX/XX/XXXX, when the original loan appraisal was only XXXX days old, but that in neither prior phone call or in the XXXX Ocwen letters was there any mention about the option to deliver the original appraisal, which with the reduced LTV percentage ( now less than 7.5 % ) would have satisfied the PMI termination requirements. The rep told me to send a letter requesting special consideration and enclose a copy of the appraisal. I did that on XXXX/XXXX/XXXX. The response from Ocwen was yet another form letter, reciting the same requirements I had been told on the phone. I paid off the loan in full on XXXX/XXXX/XXXX. When I requested a payoff quote, the letter from Ocwen told me I could contact Ocwen 's Consumer Ombusdsman, an office created as a resource to assist with unresolved concerns and issues. In no prior phone conversation with any Ocwen, rep nor in any prior letter from Ocwen had I been informed that such an office existed. I called that office and explained the entire story and history of the PMI issue. I was promised a quick response. On XXXX/XXXX/XXXX I received an email from the Ocwen Ombudsman reciting that I had not submitted a current appraisal dated within XXXX months of the PMI suspension request, so PMI would not be refunded. Yet again, the loan payment circumstances were simply ignored. I have never received any refund of the PMI payments.
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| 09/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of this year our family was displaced from our home due to a fire that started in the basement. We have been displaced since then and did reach a settlement with our insurance company of {$340000.00} to reconstruct the dwelling. On XXXX XXXX Ocwen, as the mortgage company was sent {$200.00}, XXXX, the actual cash value of the settlement, along with our construction contract, request to alter their standard draw schedule and other required documents. I was told that Ocwen approved our altered draw schedule and the initial $ XXXX draw was issued.
On XXXX XXXX, XXXX my contractor, XXXX XXXX Construction ( DPCC ) contacted Ocwen Loan Servicing, per my request, to submit the required information for the second draw per our previously submitted contract and to request an inspection. This is what was explained to me by Ocwen would be the standard process since our draw schedule did not align with theirs. DPCC spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX 's instructions were as follows : No inspections were required until we reached 50 % and 90 % - so there would only be two inspections during the process. When the inspections were required we had to call one week prior and the draw request could take up to five days just to approve.
Draws were sent via fax to them and takes up to fifteen days for processing they were to be faxed to XXXX XXXX : Loss Draft with a claim track number of XXXX and they would take up to fifteen days to process. Within two days you would be notified of our draw request and then it would go to processing Our draw request must be broken down for the amount requested labor, material, subs, etc.
This information contradicts what we the home owners were told, since we submitted a request for a different draw schedule.
On XXXX XXXX, XXXX DPCC compiled and submitted the draw request with the information that Ocwen explained needed to be included. On XXXX XXXX XXXX XXXX XXXX, the home owner and my husband, received an email stating that Ocwen received the documents that we sent and they were being processed. On XXXX XXXX I, XXXX XXXX XXXX, contacted Ocwen to check on the draw and was told that Ocwen had n't received anything nor had they processed anything and if we needed more money an inspection would need to completed.
This information contradicts the instruction that DPCC was provided.
During the XXXX XXXX phone call I ordered the inspection and requested to have this entire draw rushed since Ocwen clearly could n't follow their own process. The representative conceded.
During the two weeks that followed ( 1 ) DPCC had to stop work on our home because Ocwen was unable to follow their own instructions and pay according to our contract, which now also makes a delay in the completion date, ( 2 ) the inspector came out and told us that he had never seen a house our size gutted and that he could understand why were frustrated, there was a lot that needed to be done, and ( 3 ) Ocwen finally acknowledge our contractors draw submission and issued two $ XXXX checks ( our request for the second draw was $ XXXX ).
Ocwen has been unprofessional and in my opinion uncaring which is unethical when we were directly contacting their " Loss Draft '' department which handles insurance claims. Our family lost upwards of 85 % of everything that we owned, our home 's interior was completely totaled and our XXXX small children ( XXXX, XXXX and XXXX ) lost everything except for the clothes that were on their backs. Having to cope that type of tragedy is not easy.
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| 06/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After 6 phone conversations and over 6 weeks of asking what was going on with my mortgage payments with XXXX XXXX I finally found out during a conversation that there seems to be an issue with payments made in XXXX and XX/XX/XXXX . The agents just kept telling me I was delinquent and refused to say anything else until I yelled at one that I had cashed checks in front of me.
At no time has XXXX XXXX notify me in writing of the shortage from XXXX and XX/XX/XXXX on my loan. According to California Law they are not allowed to go back on a chapter XXXX once it has been discharged.
They continue to hold my current mortgage payments in escrow ( XX/XX/XXXX thru XX/XX/XXXX ) and notify me that I am delinquent. I had no way of knowing what this was about since all my mortgage payments were cashed by XXXX XXXX on a timely manner ( attached checks ) They choice to hold my money and not credit my account for up to 90 days.I have attached letter from XXXX showing how they credit my payment incorrectly after 90 days. The amount that is in question is {$1000.00} and XXXX XXXX has sent me a delinquent notice for over {$7800.00} see attached.
According to agent # XXXX they sent me a letter in " XX/XX/XXXX '' notifying me that my mortgage payment would be increasing and he insist that this constitutes a notice of delinquency. I can not be notified of a delinquent or deficiency in XX/XX/XXXX on a payment due in XXXX and XX/XX/XXXX .
At no time has XXXX XXXX notified me of a deficiency in writing. When I call their XXXX number their standard comment is it has to be sent to research and it will take 10 to 14 days. Not until I called research directly have I been able to get any information and then I find out they do n't even know when my bankruptcy was discharged. They have done nothing to address the issue, or to resolve the problem. They insist that I am 2 full payment behind in my mortgage account.
Their practice is to take the current mortgage payment hostage. I have attached several of their delinquent notices, you can see that there is no reference to the XXXX and XXXX shortage. I have tried to reason with XXXX XXXX and all I get is a run around.
I filed a chapter XXXX in XXXX which was discharged on XXXX XXXX XXXX with XXXX XXXX XXXX agreement to the discharge. Now I am 6 months later and they have turned my non-delinquent account over to all XXXX credit bureaus as delinquent. I have not been late or short on any payment since XXXX XXXX XXXX .
I called XXXX XXXX /Ocwen to renegotiate my interest on my loan in XXXX XXXX with no success. During this discussion XXXX XXXX did not mention that I had a shortage on the XXXX and XXXX payments.
They have ruined my credit that I have worked so hard to reestablish. This action is criminal and against regulations and XXXX XXXX should not be allowed to do such a thing. It should be noted that not once in writing or during a phone conversation has XXXX XXXX offered for me to pay the shortage created in XXXX and XX/XX/XXXX and clear up the mess they created. According the RESPA this is what they should have done.
This is an act of discrimination as ; I am a female senior, and I have done nothing but tried to solve this problem.
I have attached page 19 Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) Please help me with this situation ASAP
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| 10/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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I contacted my Mortgage Servicing Company when I became XXXX behind and the lender recommended that I try Loan Modification and I stated that I was in a loan mod a year and a half before this date the lender said try and apply. So I apply on XXXX XXXX, 2016 and its a Saturday and submit all required docs by fax, email, to lenders contact. On Monday Morning XXXX XXXX, 2016 before XXXX XXXX XXXX XXXX XXXX I get a phone call from lender stating that I was Denied. I ask how they could even preview my docs that fast and decide to deny me? The relationship manager then informed me that I did not send in all required docs and that my lender suggested a re-payment plan. If I did not want plan my house would be foreclosed on. I received a notice of default when I was just XXXX behind and before I was denied loan mod.
My home is under water and I owe a balance of {$230000.00} Our property is valued at the present time to be {$140000.00} My payment is {$1000.00} a month with tax and insurance My rate is 2.119 % which I have no problem with and its a 30 year fixed conventional Repayment Plan offer by lender After 2 months of run a round by lender on agreement on plan by then I was 3 months behind. So the lender offers me a re-payment plan that consist of Total payments behind 3 months at {$1000.00} x XXXX = {$3000.00} Required a down payment of {$1.00}, XXXX to be paid as agreed on XXXX XXXX, 2016 by XXXX XXXX which was paid as agreed to lender reference enclosed.
Lender requested XXXX payments for months of XXXX, XXXX, XXXX, XXXX, XXXX of {$1600.00} Totals {$1600.00} x XXXX = {$8000.00} dollars plus the {$1300.00} down payment which would total {$9300.00} minus my past due of {$3000.00} = {$6200.00} Why are they charging me this amount for what?
I made the down payment like I mentioned before as agreed and my next first payment of {$1600.00} is due XXXX XXXX, 2016. I can make my regular payment and a little more on top of regular payment but like I explained to the Relationship Manager it would be very difficult to make this payment. I 'm XXXX XXXX XXXX and my wife and I ca n't retire due to all the stress on our mortgage issues with lender. My lender never once told us about programs that were available to loans under water, We get collection calls all hours of days and weekend to. My lender did work with me on repayment plan to a certain point then I got contacted by different relationship Managers regarding plan half could not even speak very good XXXX hard to understand. We have been promised, lied to, mislead, had to sign incomplete documents, Our last loan modification was a backed up in the corner kind of signing we had no choice at the time. And on top of all this the stress it has caused my family and myself. And I recently was contacted by a company who said they work with my lender and offered me a Mortgage Restructuring & Streamline Program that was fully approved by my lenders Negotiator name is included to and the making home affordable program which I had to sign within 24 hours would drop my payment to {$860.00} and 2 % rate for XXXX payments of {$1200.00} total {$3800.00} which my lender is requesting. Now I know this is a scam and I have contacted my lender with no response at all. I have had to file chapter XXXX and XXXX bankruptcy 2 times over the years in order to keep my home. Been charged all sorts of fees and late charges, down payments by my lender I think they are scamming me again with all the charges listed above for the repayment plan where does it stop!
|
| 08/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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I was transferred to Ocwen from XXXX XXXX a few months after I lost my job. I had completed a loan modification and there was not enough time to review it before the transfer to Ocwen. A month later, I asked Ocwen about the paperwork and they denied getting it. Told me to give it another month. In XX/XX/XXXX I submitted the loan modification to Ocwen. They put me off, ask for papers that had previously been filed. Wasted 8 weeks and told me I had been denied because I was on unemployment and that did not count as income. We argued back and forth, the President made the announcement that unemployment was income, so Ocwen had me repeat the entire document. This went on with excuses such as, various papers never arriving again and again and again until time had run out and they told me to start the entire process over again. I was unemployed, my unemployment benefits ran out XXXX, I applied for XXXX but kept getting turned down. I was trying to pay a {$1400.00} mortgage, credit cards, and utilities. I had sold all stocks, bonds, XXXX, cashed in pensions, sold my jewelry and my inherited jewelry and silver to pay the bills.By XX/XX/XXXX I did not have a penny ; Ocwen could have cared less since they had a Foreclosure date of XXXX XXXX. The credit card companies kept saying I did not qualify as a hardship. I had my XXXX hearing date around XXXX XXXX. I had previously applied to the Foreclosure Prevention Fund, but I had not heard anything. I had the XXXX hearing and won XXXX benefits, but the hearing judge denied my {$30000.00} in back pay. Something he does inconsistently, so says my attorney. I caught the judge on the day he denied back pay if the applicant got unemployment six months earlier. Discrimination? On XXXX I was approved for the FPF program who paid Ocwen {$34000.00} in penalties and past due mortgages. I called Ocwen for the five days before the sell date of my home and got sarcasm and a heavy hint that I was lying. On the XXXX, Ocwen sold my home. I called the attorney practice representing Ocwen and told them of the stay since the XXXX and I heard the attorney scream loudly as she dropped the phone and ran out of the room. I was told XXXX XXXX intervened and returned my home to me. OCwen, acting like the bunch of fools they are, called me falling over themselves with the FPF offer and said I now would get my loan modification. Towards the XX/XX/XXXX when the FPF were through with their work, I received a call from Ocwen saying my loan modification was denied. I cried for four hours straight and decided the last thing I could do, the last person on this earth that would help me was the President of the United States, XXXX Obama. I phoned the White House, the gentleman who answered asked what I needed and I burst into tears speaking with him about it. He obviously could tell I was not lying and gave me the President 's personal email address, told me to be brief and to the point and to never use that email address again. Within a few days, a woman from the Treasury Department called saying because of my letter to the White House, she had a team on their way to visit with Ocwen and XXXX XXXX on why almost 2 years had gone by without a modification. Cross my heart, within a month I was modified and now had a mortgage of {$700.00}. Anyone care to criticize the President? Call him names and disrespect him? He saved my life and from the bottom of my heart, I thank him and wish him all XXXX grace on him and his family. Our most Honorable President we have had in years.
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| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2020 I refinanced my mortgage.
The existing mortgage lender at the time was PHH Morgage and I refinanced with XXXX XXXXXXXX XXXX. XXXX XXXX XXXX has been great with no complaints. Part of the Closing escrow was for county property tax for {$1600.00}, which was paid through closing escrow on XX/XX/2020.
XXXX XXXX paid the same property tax payment on XX/XX/XXXX for the same amt {$1600.00} from my escrow acct with them. This brought my escrow balance with PHH to - ( XXXX ).
On XX/XX/2020 XXXX County refunded PHH {$1600.00} for the overpayment. Which should have brought my Escrow balance with PHH back to {$0.00} On XX/XX/2020 I spoke with agent XXXX ( Farhut I believe ) at PHH and told they would not close my loan or release the lien until the negative balance in my escrow account was brought to {$0.00}. I explained the situation and that the escrow account should not be negative and provided details from the County on the refund. They informed me it could take up to 15 days to post the refund. They told me the only way they could close the account and pay off my loan was to wire or ACH the amount of {$1600.00} that day. I made an ACH payment to them on XX/XX/2020 in the amount of {$1600.00}. They said as soon as the refund from the County posted to my account they would refund me my overpayment of {$1600.00}.
On XX/XX/2020 a check was sent from PHH in the amount of {$330.00}. This was for overpayment of funds sent from the closing not the property tax refund.
The property tax should have posted to my account by the XXXX of XXXX.
On XX/XX/2020 I contacted PHH and spoke with agent XXXX ( the name was not understood due to poor connection ). I asked about the property tax refund they said it posted and they would send me a check on XX/XX/2020 and since it was more than 10 days past they would send it overnight and send me a tracking number.
On XX/XX/2020 I contacted PHH again asking where my check was. I spoke to agent XXXX ( again name not understood due to bad connection ) was transferred to agent XXXX ( XXXX ) which told me they check was still not processed and they would send it overnight since it was over 10 days late. Again told I would get a tracking number.
On XX/XX/2020 contacted PHH again asking where my check was. I spoke to an escalation manager Named XXXX He informed me the check was sent out on XX/XX/2020 and not overnighted because they only send them regular mail. He said to expect my check within 5 to 10 business days.
On XX/XX/2020 I received an account statement dated XX/XX/2020 showing the activity in my PHH escrow account. The statement was correct showing a refund form the Country was received in XXXX and an escrow refund to me in the amount of {$1600.00} was sent in XXXX ( statement only has months and not days. ) On XXXX XXXX I contacted PHH again asking where my check was. I spoke to agent XXXX who informed me the check was sent regular mail on XX/XX/2020. It is now XX/XX/2020 more than 53 days since the county refunded PHH the overpayment of Property tax. Its Been over 46 days since I made an ACH overpayment that I should have never had to make, and after being assured by more than 5 separate agents the check would be expedited. I still do not have my refund of the overpayment.
I am completely at a loss for the lack of consistency and being lied to on multiple occasions. PHH would have charged me 2 months worth of late payment fees if I failed to make a payment in 56 days I think I should be allowed the same courtesies.
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| 08/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have had a mortgage since XXXX. When I originated my mortgage, I asked to not have an escrow account and I successfully paid for my insurance and taxes. Ocwen acquired my loan in XXXX. I had hazard insurance and paid my taxes in full each year. In XXXX XXXX, Ocwen called me and informed me that while my payment on my mortgage payment to them included an amount to cover a sufficient windstorm policy, they discontinued it and I needed a new policy. They told me I had until XXXX XXXX, XXXX. I secured a policy before the due date and faxed it to them. They said a few times that they had not received it. They went on ahead and put forced place insurance coverage in place. After finally receiving my insurance, they credited me back SOME OF the {$1600.00} in forced place insurances, but there was a balance remaining. Apparently, since XXXX XXXX once they acquired the insurance, they took every mortgage payment I had and suspended it, choosing to apply my mortgage payment first to my escrow balance they created and then to my mortgage. I called in and found out about them saying I was late, but never knew they would actually report this on my credit as we were in dispute. In all the years I have had my mortgages, no one had asked me to have windstorm. Once told to get it and by which date, I obtained it. I did not know they needed to me to have to itany earlier. They refuse to recognize that this was not something I was ever told was a must until XXXX and when they gave me a date, I performed. They have not applied my mortgage, reported me late, threatened foreclosure because of the lates. All the while, I continue to pay my mortgage. Now they say I only owe {$120.00} in that escrow account. Because I had my own policy and was within compliance, I refused to still pay theirs without verifying information. I asked to speak with their legal department and their insurance department to get dates. I have been told several times that they do not have a legal department and despite me asking for arbitration or mediation in writing, they have never granted me this request. The amount I owe is less at this point as they keep decreasing it, but still over what I am supposed to pay on my loan note so they are continuously reporting me late, charging me late fees and ruining my credit which has impacted my business. They call me at odd hours day and night telling me to just pay, threatening me with foreclosure and more bad credit ratings. Today, I called in tears to ask for help and stayed on the phone for an hour. The guy names XXXX tried to get me to confess that I knew I needed the insurance, which I did not, he said he would submit something to remove the negative credit, he referenced a phone call with XXXX on XXXX/XXXX/XXXX that said I knew my credit was ruined so they would not fix it, and then the insurance agent we conferenced in at Ocwen stated they received my policy, and refunded me only the portion that was not used. But I did not know I insurance, windstorm insurance specifically, was a requirement in XXXX XXXX, the month they claim to have the forced place policy. I heard from them in XXXX XXXX that I had until XXXX XXXX so how was I ever supposed to know I had been dropped with them, or that I needed it? Now they misappropriate my mortgage payments causing me to be late on my mortgage and blame all of this on me. How can I get the help I needed going in circles like this? Please help me save my credit and avoid losing my home. I have never been late on my mortgage EVER!
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| 04/26/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XXXX of XXXX I retired from XXXX XXXX military after 20 years of service. Though my income had decreased, I was pursuing other careers, meeting all my appointments with the VA, and was able to keep up with my mortgage payments on the property I currently rent. I began having difficulties throughout the year and decided to apply for a hardship program in XXXX XXXX wi th Ocwen Loan Servicing. After acquiring all the necessary paper work ( proof of retirement income, XXXX awa rd letter, banking statements, renter 's agreement, renter receipts ) I successfully submitted my first hardship request on XXXX XXXX , XXXX and was denied modification in XXXX XXXX for " insufficient income to qualify for a hardship '' by 20 %. Needless to say I thought that was the definition of a hardship. After my XXXX was approved and my award increased I submitted my paperwork again. It was held up and required that I resubmit the paperwork with current signatures. By this point I had all the information readily available and was use to uploading the documents they regularly requested. On XXXX XXXX , XXXX I logged on t o Ocwen 's website to see that my application for a loan modification had been approved and received a phone call from my " Relationship Manager '' on XXXX XXXX , inquiring if I had received the documents to proceed, which he double checked and conformed that they were just mailed off that day. Surely I could n't have received them yet, bu t Ocwen is pr imarily a debt collector as is stated at the beginning of every phone call shortly after their slogan " where helping homeowners is what we do, '' so I was not surprised that he really did n't know much about its progress. When I asked why the interest rate increased he told me that it might change based on the current market. When I asked if he deals directly with the loan modification department he informed me he did not. When I asked to speak with the loan modification department he informed me that they do not discuss changes in the loan modification process over the phone. He also informed me that when I receive the modification documents, that I will have the option to appeal their decision. On XXXX XXXX , I called a Relationsh ip Manager ag ain to see if I could talk to a supervisor. I wanted an explanation to this modification decision and to see if there was anything else I might qualify for, seeing how the mortgage was going to remain higher than I was paying ( though it would be at a fixed rate and not a variable rate any longer ). The Relationsh ip Manager ( the information or rhetoric they give is the same regardless who you speak to ) informed me that the Modification is handled by the Underwriter in a different department, that they do not speak with customers directly, that I was welcomed to speak to his supervisor but there was really nothing else they could do. I am at an impasse, do I accept the new modification which will move my next payment due date b y two months and proceed to paying a higher mortgage rate of 4.2 percent which is n't really bad, or do I stick with my 2.6 variable rate which will increase in XXXX to an unknown rate at this time. What I was seeking throughout this entire process was a lower, fixed mortgage rate that my current income could manage while in between jobs. I am on my way to catching up with my mortgage payments but I am still behind. This modification that they finally approved does not seem to help those undergoing hardships.
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| 10/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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A little les than 2 years ago, I was able to get a Shared Appreciation Mortgage modification from Ocwen Loan Servicing ( they had taken over my existing mortgage ). Under that modification our balance was {$390000.00} but they were going to forgive {$110000.00} over a 3 year period ( XXXX each year ) and during that time we would make payments on {$270000.00} @ 2 %. All in all a fabulous deal and since our home now would sell for around {$400000.00} we are depending on it for our retirement in the next 2 years. I am XXXX and my wife is XXXX
A few months after we got the modification, I was diagnosed with XXXX and right after that, XXXX XXXX and then a XXXX. Fortunately, after XXXX, XXXX, I am now XXXX ( for now ) and still have most of XXXX XXXX. However, during the time I was being treated I got behind two payments on my mortgage and have been two payments behind for a year although I have made a full payment each month on time for the past twelve months.
Here is the problem. My modification says that if I am past due three months and are still past due on the last day of the third month, I would be in default. I have attached a page from the modification and the part I am referring to is in paragraph XXXX. In the past year, I have made the monthly payment several times on the last day of the third month by XXXX XXXX and there has never been a problem. Last XXXX ( XX/XX/XXXX ) I sent through XXXX XXXX a full payment to Ocwen which they admit they received but they refused to accept it and sent it back. They said I was XXXX days past due and they ca n't accept any payments after XXXX days. Apparently the problem was caused by XXXX days in XX/XX/XXXX and XX/XX/XXXX so that plus XXXX days in XX/XX/XXXX made XXXX days past due. It is interesting though that I made the XX/XX/XXXX payment the last day of the month as well and they accepted it even though that one was also XXXX days past due just like the XX/XX/XXXX one which they rejected..
I told them what the Agreement says and that nowhere does it say 90 days. Their answer was that when they say 90 days, they assume the end of any third month would be 90 days. YES ... ... they actually said that! I have talked to several people at Ocwen and they all recite the speech about 90 days.They refused to accept my payment based on what they admit is an internal policy of 90 days and it is contrary to the terms of the modification. Also, by accepting a payment that was XXXX days past due in XX/XX/XXXX and then refusing a payment 92 days past due in XX/XX/XXXX, they have contradicted their own policy.
Of course they are now threatening foreclosure if I do n't reinstate the modification with {$7500.00} which I do n't have, or they want me to apply for a new modification. I have several problems with that. First, the original modification was based on the appraised value of our home two years ago. It has gone up since then so with a new modification would be based on a current appraisal and we would probably lose the equity we have. Also, while going through all of the medical problems, we got behind on most of our bills ; not for big amounts but spread over XXXX or XXXX creditors. It probably does n't add up to more than $ 5k total but it looks bad on a credit report so we might not get approved for a new modification.
Our plan was to sell our home this in the next XXXX years and retire with our equity and now we do n't know what to do and all because Ocwen says I was XXXX days late and the document says I was n't.
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| 09/06/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Ocwen mishandling my acct.
1. Class action suit XXXX XXXX/XXXX/14 XXXX sent them a check to be credited to loan balance. They never did.Atty asked where money was-they mailed a check to me? Never got & no posting of check. Settlement wo n't reissue a check-its passed the deadline.
2. Ocwen took double payments out of my bank ( XXXX & XXXX ). Received refunds 3 WEEKS LATER & " no reimbursement '' for bounced checks, bank fees, other creditors & ruined my credit. Ocwen said not their fault?
3. Tried to make mortgage in XX/XX/2014 & Ocwen refused my check saying my account was zero & I owe nothing?? No statement online & I checked & zero balance. No notice, no explanation & several calls to try to pay-I was transferred over & over & disconnected. Insurance co sent letter to notify them when I know new lender.
XX/XX/2014 same thing, Ocwen wo n't accept payment. Ca n't afford lawyer so do n't know what to do? Then I got letter - I missed XXXX payments & Ocwen is starting foreclosure.
Just before the letter, my well & septic went out & I used my XXXX payments to make repairs so I could live I my home.
XX/XX/2014 I made a normal payment, & have been current ever since.
Received a letter from Ocwen I owe 2 months & I owe extra for escrow shortage. I need to pay $ XXXX within 30 days or foreclosure will start.
I applied for FHA HAMP - denied. Have to wait till XXXX to apply. Applied in XXXX - turned down again. I can pay $ XXXX in 6 months - I do not qualify for any help & they will start foreclosure. Found out my income was n't enough-so forced to rent to a stranger.
I have now reapplied & its not looking good again. They want to foreclose or let me short sale.
I am XXXX senior on SS income only. I am not able to move XXXX no where to go XXXX & can not afford anything else, & health issues. I live in a manufactured home & not too many companies finance this type of home. My home is appraised at {$170000.00} & I owe {$110000.00} XXXX with all their fees & late charges ). I ca n't refinance - Ocwen ruined my credit, I do n't qualify for other programs because I 'm late XXXX payments, & Ocwen is not helping me in anyway. I asked if the amount owed could be added to the final balance because I ca n't afford their repayment plan ( which is my only option-besides foreclosure ). I asked for a longer repayment plan-no. Everything I hoped for is turned down.
I am currently paying {$100.00} more a month ( they bill me & I think its for the escrow shortgage ) yet they keep asking for all money up front I 'm threatened daily between calls & letters of foreclosureI talked to XXXX lawyer who said I had a good case for a " quiet title '' because of Ocwens mishandling ( I have all papers verifying this ) but it would cost me {$2000.00} upfront & {$700.00} a month afterwards. If I could afford that I would pay off Ocwen. I 've tried to locate another attorney pro bono, but am unsuccessful. Maybe they heard about Ocwen?
All-in-all, I 've paid every month since XX/XX/2014 on time.. missed 2 months because Ocwen refused my payments, and am unable to catch up on payments because they will not work with me. I can not move & am able to make my normal payments & all of this would not have happened if " Ocwen never made their servicing errors & forced me into this situation.
I would love to leave them in a heartbeat, but no one will even talk to me because my credit has been ruined so badly.
Please help me!
Ocwen forced me into this situation because they mishandled my account
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| 12/05/2022 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
Older American, Servicemember |
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Our home suffered water damage on XX/XX/2022, so we filed a claim with our insurance company, which paid out XXXX. Since we had a reverse mortgage with XXXX Mortgage, ( shortly after it was sold to PHH Mortgage ), the checks were required by law to be sent to PHH Mortgage, the lien holder. As work would get completed and inspected, PHH would dole out small amounts to us to pay the contractor. Trying to get paid would require phone calls constantly and weeks would go by without any payment. We spent hours trying to get paid out which should have been a clear cut process. On XXXX XXXX, 2022, the final work was completed by the contractor and inspected by the County. PHH would not send anyone out for their final inspection until XX/XX/XXXX. After PHH deemed all work was completed and passed their inspection the final disbursement check should have been sent out. It is now XX/XX/2022, and we still have not received the rest of our money, {$36000.00}. After countless phone calls, all we receive are stall tactics. ( Such as " We've been told they are just waiting on billing to send out the check, they can't help us because they are going through a computer migration '', ( it was a 2-week migration ) and upon finishing it up most of our documents were lost. ) Their response to my complaint with the XXXX was they sent us a check for {$22000.00} and that they have resolved the situation with the customer.
I am attaching canceled checks of the funds PHH Mortgage has been holding and the ledger from our contractor. You will find two checks that are for {$6400.00} and {$66000.00} which total {$72000.00}. This is the amount XXXX XXXX XXXX paid us to rebuild back from the water damage claim. This is the amount that the construction company is due for their work.
PHH Mortgage release funds twice after their inspections. XX/XX/2022, check # XXXX for {$22000.00} and XX/XX/2022, check # XXXX for {$14000.00}, leaving a balance of {$36000.00}. The final disbursement of {$36000.00} was to be paid out after they completed the final inspection, which they did Thursday, XX/XX/2022. The inspector they used was XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX.
As weeks passed and we never received the final check we continually called. They never seemed to have an answer. Then they told us they were going through a computer migration over the weekend and would get back to us in a few days. The migration turned into XXXX weeks of PHH Mortgage not giving us any information about our account nor could we access the portal.
On XX/XX/2022, I was able to access the portal and pull up my account. According to my account, they were missing documents that would prevent them from processing the check. But after working with several people at PHH it was concluded that during their migration they failed to correctly move over the documents and that they would waive this step and proceed with the check processing. Again, this never happened.
We are approaching 3 months now of their delay tactics and stonewalling to send us out our money. My contractor is demanding payment. PHH Mortgage 's response is always the same, " We are looking into it. '' In all my 90 years I have never dealt with a company that seems so underhanded and disorganized.
We have recently received a form letter advising us that they are looking into it, but nothing more than that. We do not want a response in 60 days, we've already given them 90 days.
Any urgent help you can give us will be greatly appreciated.
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| 01/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX To whomever oversees, Banks Mortgagers and their Servicers, listen to my plight. I have lived in my home, address above since XXXX. I have maintained and made substantial improvements to my property during this time. A foreclosure sale against the previous owner XXXX XXXX was completed in XXXX. The new owner becoming XXXX XXXX Bank XXXX. As trustee.
I have since XXXX made numerous offers to settle The lien at 80 % of the foreclosed amount on my property, to no avail. About 3 years ago, I stumbled onto a XXXX XXXX Bank phone number that had records on my property. I was informed by personal, that XXXX XXXX Bank XXXX. Had sold a block of interest which included my property, to Ocwen, the company that had been the servicer of the property perviously.
After extensive research. I learned that Ocwen, has failed to complete the necessary and/or any of the documents that would transfer title from XXXX XXXX Bank XXXX to Owen. I have made numerous calls to XXXX XXXX Bank XXXX. Executive branch recovery Department, informing them of Ocwens failure to transfer title, needed maintenance of my property which requires permits, and, my foundation which is in major disrepair following the damages from hurricane IDA. By law they are required to fix this issues. But, refuse.
I have included copies from CFPB in which XXXX XXXX Bank, replied they have nothing to do with my property. County land records showing XXXX XXXX Bank is the recorded owner. I have letters from same law firm, with 3 different attorneys stating, they have been retained by XXXX XXXX Bank. However, 2 years later, same law firm now stating they are attorney in fact for PHH Mortgage Corporation, for XXXX XXXX Bank, XXXX, As Trustee for XXXX Mortgage Loan Trust XXXX, Mortgage -pass Though Certificates, Series XXXX. Copies included. I also, have a pending appellate action.
I am reaching out to Government agencys In hopes of opening their eyes, and realizing the fraudulent activities of Ocwen, PHH Mortgage Corporation, and prey they be held accountable for their lackadaisical record keeping, and loopholing ways, that have the Banks continuing to pay the property insurance, and property taxes on homes they no longer own.
XXXX XXXX XXXX, Asset-Backed Certificates, Structured Asset Securities , Amortizing Residential Collateral Trust. Are, but a few entities that have been used to secure interest in my property and many others. I am a vested stock holder. And, have carefully scrutinized my portfolio, to make sure my investments are safe from these predators. These are publicly traded stocks, and laws are being ignored. So not only am I being taken advantage of, there are hundreds of investors that have no idea their losing monies daily. Which begs the question, how many are facing the same obstacles as I? And, whos paying the attorneys fees? And, why is the property insurance inaccessible to fix my homes issues. Where is the accountability? and over-site?
In XXXX we, the tax payers bailed out big banks with millions of dollars to prevent them from going under. So, not only are the tax payers not being repaid. Companies like Ocwen and PHH Cooperation are double dipping, making millions. Whilst, I continue to defend myself against being unlawfully evicted from my home. These companies continuing to refuse monies being offered to settle these matters. I prey my language is plain enough for those that can help, understand the nightmare Ive been enduring.
Respectfully yours, XXXX XXXX
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| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Ocwen, XXXX XXXX XXXX, XXXX. and XXXX violated Fair Debt Collection Practices Act, '4th Amendment rights and right to privacy. I have listed the acts that pertain to my situation and the rules that were violated. They also failed to follow the guidelines of XXXX XXXX.
The following is taken from XXXX XXXX website A Servicer is expected to comply with all applicable federal, state and local laws, regulations and orders. ... borrower privacy, ... fair debt collection practices ...
Taken from the " Fair Debt Collection Practices Act ' 804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( Communicated with XXXX a 3rd party more than once ( XXXX XXXX of XXXX XXXX wrote, " spoke with woman, said we 've been here before looking for defendant.. '' ) listed her name address, and my personal relationship information on a " foreclosure '' which is a public record that anyone can view. See Exhibit E.
Page XXXX came to my home at XXXX on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX came to my home at XXXX, on XXXX/XXXX/XXXX came to my home at XXXX on XXXX came to my home at XXXX ) 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ( XXXX XXXX XXXX, XXXX. and its agent XXXX, XXXX both work in the field of law and should know that such contact with my former employer would be prohibited. ).
I ( b ) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( The debt collector communicated with XXXX without my consent. ) Usual place of adobe-In general means.
Underlying consideration in determining " usual place of abode '' for purpose of service of summons, is whether substituted service at chosen dwelling place is reasonably likely to provide defendant with actual notice of proceedings. XXXX, XXXX " XXXX, within this paragraph, providing for substitute or constructive service of process, means the place where a person dwells. XXXX, XXXX Substituted service by learning a copy of the process at the dwelling house of another person is not sufficient, but such service must be by leaving at the usually place of adobe of defendant. XXXX. I have cited some case laws to help show that the XXXX should not have tried and served me at the some of the above locations.
( Foreclosures and Mortgage Serving, Fifth Addition )
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| 02/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX XXXXXXXXXXXX, ( XXXX ) XXXX XXXX/XXXX/XXXX Ocwen, Dispute and Research Department XXXX, XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX SUBJ : REQUEST FOR CONSUMER RELIEF FROM OCWEN CONSENT JUDGMENT Dear Consumer Finance Protection Bureau : I bought a house in XXXX, XXXX XXXX XXXX, XXXX Ga XXXX from Litton Loan. Account # XXXX - XXXX.
I got behind in my payments in XXXX. I sent in loan modification requests like the TV said I could do under the law put in place by President Obama. Ocwen and or Litton Loan denied my modification requests, and foreclosed on my property on XXXX XXXX, XXXX. The home was bought by a different buyer on XXXX XXXX, XXXX for {$91000.00}.
The foreclosure went on my credit report, but was deleted on or about XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was qualified to buy a house, because the foreclosure information was not on my credit with the XXXX credit bereaus. The derogatory credit was placed back on my credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I applied for a new home loan, but was denied credit because the foreclosure was back on my credit, and it erroneously stated that the foreclosure happened on XXXX XXXX, XXXX.
Currently XXXX is reporting that the foreclosure happened in XXXX XXXX. XXXX is reporting the foreclosure happened on XXXX XXXX, XXXX, and they are also reporting that I have XXXX delinquent accounts, XXXX from Litton and the other from Ocwen, but they are from the same transaction and or occurrence. XXXX is reporting the foreclosure happened on XXXX XXXX, XXXX and they are also reporting that I have XXXX delinquent accounts both from Ocwen, for the same transaction and or occurrence. Since the new reporting, my FICO score dropped about XXXX points from all three credit bereaus. Currently, I can not qualify to buy a house.
I called Ocwen on XXXX XXXX, XXXX and requested that they take off the duplicative accounts on XXXX and XXXX. They said they would, and they stated they were going to delete all the accounts on my credit reports. I called back today XXXX XXXX, XXXX, and they said they would write me back after they complete their research on or about XXXX XXXX, XXXX.
In the meantime I did some research on Ocwen on the internet, and I ran across a Consent Judgment. It stated that Ocwen, and or Litton Loan violated the law when they : ( 1 ) failed to provide me with foreclosure avoidance, ( 2 ) failed to account for loan documents, ( 3 ) failing to expedite the approval or denying loss mitigation, ( 4 ) providing false reasons for loan modifications, and ( 5 ) failing to control and provide oversight over the foreclosure attorney.
Ocwen did not act on or consider a modification of my loan. The Consent Judgment said that there is XXXX XXXX dollars and a XXXX XXXX amount set aside for consumers of theirs like me, if they qualify for relief.
Please inform me if I qualify for relief, and send me the necessary documents to claim money and actions from Ocwen in accordance with the Consent Judgment. The parameters of the Consent Judgment was from XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Since my foreclosure was from OCWEN/Litton Loan and on XXXX XXXX, XXXX, it appears I meet that criteria.
Thank you for your attention to this matter. Should you have any questions, comments or concerns, please contact me by calling or texting me at ( XXXX ) XXXX, or email me at XXXXXXXXXXXX, or write me at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX
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| 10/25/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The following parties have each acted in the capacity of a debt collector for a refinance mortgage loan that my late husband ( XXXX XXXX ) and I executed on XX/XX/XXXX in favor of XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) as lender : ( 1 ) XXXX XXXX ( " XXXX XXXX '' ) ; ( 2 ) PHH Mortgage Corporation ( " PHH '' ) ; ( 3 ) Ocwen Loan Servicing LLC ( " Ocwen '' ) ; ( 4 ) XXXX XXXX XXXX ( " XXXX XXXX '' ) ; and ( 5 ) XXXX XXXX XXXX ( " XXXX '' ).
By debt collection communication dated XX/XX/XXXX, a copy of which is enclosed hereto as Exhibit " A '', XXXX c/o PHH, declared that my mortgage loan has been in default since XX/XX/XXXX and the last full payment applied to my mortgage loan was for the installment due XX/XX/XXXX. By debt collection communication dated XX/XX/XXXX, a copy of which is enclosed hereto as Exhibit " B '', XXXX XXXX on behalf of PHH as the successor to Ocwen, declared that my mortgage loan has been in default since XX/XX/XXXX. By complaint filed in the Superior Court of New Jersey on XX/XX/XXXX by Ocwen, prosecuted by XXXX XXXX, and maintained to present date by PHH through XXXX, the foregoing debt collectors declared and continue to declare under penalty of perjury that I defaulted on my mortgage loan as of XX/XX/XXXX. A true and correct copy of the XX/XX/XXXX foreclosure complaint commenced, prosecuted and / or maintained in the Superior Court of New Jersey under Docket No. : XXXX is annexed hereto as Exhibit " C ''.
The foregoing statements of default made by the aforementioned debt collectors are false and deceptive upon omitting and concealing : ( 1 ) ten checks, copies of which are enclosed here as Exhibit " D '', totaling {$15000.00} that were paid to and cashed by Ocwen 's predecessor and affiliate, Litton Loan Servicing LP ( " Litton ), for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX without any credit to the subject account ; and ( 2 ) three checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Litton without any legitimate reason and / or explanation, as displayed within the correspondences enclosed hereto as Exhibit " E ''.
Furthermore, the statements and implications made within the XX/XX/XXXX and XX/XX/XXXX debt collection communications by Debt XXXX XXXX, PHH and XXXX that the last payment made towards and / or applied to the subject account was for XX/XX/XXXX, are false because I did not make any payments for the months starting XX/XX/XXXX through XX/XX/XXXX upon following the instructions given to my late husband and I by Debt Collector Litton ( for whom Debt Collector Ocwen is the successor ) in order to qualify for a modification, and Debt Collector Litton declared under penalty of perjury within its complaint filed on XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX ( the same day my husband died ) that a default under the subject account number occurred as of XX/XX/XXXX upon my failure to pay on XX/XX/XXXX. A true and correct copy of the XX/XX/XXXX foreclosure debt collection complaint filed by Ocwen 's predecessor / affiliate Litton in the Superior Court of New Jersey under Docket No. : XXXX, and voluntary dismissal by Ocwen on XX/XX/XXXX is enclosed hereto as Exhibit " F ''.
Lastly, despite and in violation of 12 CFR 1026.41 et seq., PHH and XXXX XXXX refuse to provide me a monthly mortgage statement for the payment declared due as of XX/XX/XXXX.
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| 03/27/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/XXXX, I contacted Owen Loan Servicing , LLC to ask why they discontinued accepting my mortgage payments through its Automated Clearing House ( ACH ) payment program. The ACH payment program was established in XX/XX/XXXX. Subsequently, Owen successfully received payments on-time without fail. I was advised that the ACH system was discontinued because Owen learned that such a payment process was against bankruptcy rules because the agreement appears as if Owen is requiring payments even though my husband 's debt was discharged as a result of a bankruptcy filed in XXXX. As a result of the bankruptcy court ruling, Owen mortgage payments are perceived to be made voluntarily. The loan related to this property was associated with a bankruptcy filed approximately five years ago. At that time, my husband filed for bankruptcy. All of his debt was discharged by the bankruptcy court, except our home. Despite the bankruptcy, my husband and I voluntarily continued to make our mortgage payments. Initially, we had difficulties making payments on time. Consequently, in XXXX I took over making the payments through the ACH payment system, allowing the payments to be deducted from my checking account on the day I received my monthly payroll check from work. By XXXX, much of my lost salary, ( due to the decline in California 's economy ), was restored. As a long-time XXXX, my salary-cut was restored, and we began to re-bound from the substantial decline in our household income. We were beginning to experience some economic stabilization. As such, I was happy to establish the ACH payment process with Owen. However, I was not notified by Owen that they decided to discontinue this payment process for property until after I was nearly three-months behind in payments. I learned of Owen 's decision to discontinue the ACH payment process on my account after two payments were past due ; XXXX XXXX and XXXX XXXX. To bring the account current, I immediately made needed payments on XX/XX/XXXX ( XXXX payment ) and XXXX XXXX, XXXX ( XXXX and XXXX past due payments ). Additionally, I notified my bank who indicated that based upon the balances in my account they did not see any reason why the payments were not requested from Ocwen. Further, the bank did not receive a request to make the ACH payment from Owen, as consistently received for nearly three years. On XXXX XXXX, XXXX, I received a letter from Ocwen dated XX/XX/XXXX, informing me of the delinquent payments. I agreed for Ocwen to research why the failed ACH payments occurred. Ocwen indicated I would receive the results of such research within tnext 60-days of my request ( XXXX XXXX, XXXX ). On XXXX XXXX, XXXX, I received an email correspondence ( attached ) from Ocwen, indicating that, " on XXXX XXXX, XXXX the Automated Clearing House ( ACH ) payment was cancelled, due to the delinquency status of the loan. '' Owen 's failure to notify me of its change in ACH business practices related to homes affected by a bankruptcy caused two delinquents payments, additional unfair mortgage fees, and, most importantly, potential harm to my credit. To receive a notice 60-days after the first payment was not processed by Owen through its ACH payment system is a set-up for delinquent payments. Owen was aware that the payments were past due beginning XXXX XXXX, XXXX. The explanation provided by Ocwen makes no sense. Owen 's 60-day delay in notifying me of their action to discontinue the ACH payment system appears as fraud and inducement.
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| 11/20/2017 |
Yes |
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- Trouble during payment process
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Web |
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in XX/XX/XXXX my mortgage company told me I was " approved '' for a loan modification and asked if I was interested in XX/XX/XXXX we entered into a three month trial period for the modification. I was told if I made all three trial payments, my modification would be final and permanent and included ( 1 ) my loan would be considered current ; ( 2 ) principal reduction ; ( 3 ) interest reduction and fixed rate ; ( 4 ) other incentives for keeping the loan current.
Relying on those promises I paid almost {$14000.00} to retrieve the property from foreclosure by the homeowner 's association ; pay all back taxes and HOA assessments, legal fees, etc., had the property cleaned and the debris that was there removed. I moved in during the first month of the trial period ( the day I received the key from the HOA, who had changed the locks when they foreclosed and took possession ).
I made all trial payments and on XX/XX/XXXX, according to the mortgage company, " the HAMP Streamline modification was completed ... ''. I continued to make monthly payments every month, on time.
In late XX/XX/XXXX the mortgage company wrote to me claiming that they had made an error and that because the property was vacant, it did not qualify for the modification. I objected and appealed. ( 1 ) the property was not vacant, it is my primary residence as proved by driver 's license, electric bill and voter registration card provided ; and ( 2 ) if the mortgage servicer made an error, that was not my error, it is their error, and I should not be penalized.
In XX/XX/XXXX with no warning or explanation, the mortgage servicer mailed a check to the property address, my residence, for almost {$6000.00}. No cover letter. No explanation. Just an check in an envelope.
In XX/XX/XXXX the mortgage servicer hired someone to unlawfully break into my home and change my locks, with my possessions ( and pets ) inside. The locksmith posted a sign on the door stating that the property was in foreclosure ( which it was not ). He did have the presence of mind to realize it was a mistake and left his phone number so I could retrieve a key. My door is damaged. XXXX knows who has a key to my home. My deadbolt has been drilled out and does not work. I am completely vulnerable and the locksmith refuses to repair the door or replace my lock. This was clear trespassing and a violation of my privacy.
In XX/XX/XXXX the loan was referred to an attorney for collection. Upon receipt of a demand letter I timely responded asking for all information relating to the debt, as is my right under the Fair Debt Collection Practices Act. I received no response from the attorney.
In XX/XX/XXXX the attorney filed a foreclosure action and had me served on XX/XX/XXXX.
I have continued to contest this action, object to the allegations, and they will not fix their mistake. The mortgage servicer acknowledged it was its error, and not mine, but refuses to reinstate the modification. By refunding my payments, and refusing to accept new payments, they threw me into default, it was not my fault.
I was promised a modification, and relied on that promise to my great detriment ( nearly {$14000.00} in back taxes, back HOA fees, attorney fees, etc. ). My credit has been irreparably damaged. My reputation has been damaged. I am about to lose my home and I have done nothing wrong. All fees associated with collection, changing the lock, etc. are being charged to me, throwing me deeper in debt for something that is not my fault.
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| 01/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am submitting a complaint against Ocwen loan servicing, XXXX XXXX XXXX XXXX. and XXXX and XXXX. Ocwen continues to deny any wrong doing each and every time my complaints are filed. I still maintain possible collusion with Ocwen, XXXX XXXX condo assoc. and XXXX and XXXX. By Ocwen 's own admission, they knew full well that I was in litigation with XXXX XXXX condo assoc. and that XXXX XXXX XXXX were their legal representatives. Still Ocwen paid XXXX XXXX XXXX XXXX. {$21000.00} even before my case went to court. As Ocwen claims they, were in touch with the law firm of XXXX XXXX XXXX well before this was set to go to trial and Ocwen did not even wait to see what the outcome of this trial would be and still they paid XXXX XXXX condo assoc. {$21000.00}. Nor did Ocwen at any time contact my attorney - XXXX XXXX of XXXX XXXX XXXX, or myself to find out if any of XXXX XXXX XXXX XXXX. 's frivolous allegations were even true or even had merit. Even though again, knowing full well I had legal representation. Yet throughout this process they were in constant contact with XXXX XXXX the attorney representing XXXX XXXX condo assoc. So again, I can not help but feel that Ocwen and XXXX XXXX and XXXX XXXX XXXX XXXX. were in on this together. XXXX & XXXX were paid twice - first by Ocwen then a few months latter by me after this issue was settled with me. Is this legal? Also, XXXX XXXX XXXX 's invoice which was submitted to Ocwen shows a line item for {$15000.00} for fines for violations which they were not even entitled to according to my settlement agreement. The attorney fees were {$2600.00}. According to my settlement agreement the attorney fees were {$2200.00}. How many times are attorneys allowed to collect for the same thing? Again, XXXX XXXX XXXX XXXX. also alleged that I ruined the looks of this condo and took away the beauty of this place. Be aware this is a small condo community with only XXXX units and if a person did n't know better, they would think it is in a third world country. No way was their over {$30000.00}. of damage done to this establishment. If anything, according to other residents who live here, I actually improved on the condo property appearance. Also, XXXX XXXX has a very bad habit of not notifying the condo residents where their money is going. For instance, never has the condo assoc. ever even acknowledged that they even received the money from Ocwen. I ask, where/who did the money go to? XXXX XXXX also has a bad habit of collecting other money for " special assessments '' and then not spending the money on which such money was collected for. For instance, a few yrs. ago a special assessment was collected for approx. {$5000.00} which all residents were required to pay for a new roof - XXXX residents x {$5000.00} = {$100000.00}. A new roof was never installed. When XXXX XXXX XXXX XXXX. were confronted about it, they claimed it was used for past water bills. Now XXXX XXXX XXXX XXXX. is pursuing a roof a claim with our homeowners insurance. This has got to be investigated. Ocwen is on the verge of bankruptcy. Their stock was approx. {$60.00} per share a couple of yrs. ago and as of today it closed at {$6.00} per share. Ocwen has ongoing lawsuits and if they loose even half of them, they ca n't afford to pay for them. My concern is, Ocwen will go bankrupt before this is settled and I am going to be out of luck. I have had XXXX XXXX and I am unable to work full time. I believe it is the stress caused by Ocwen, XXXX XXXX and XXXX XXXX XXXX.
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| 06/15/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Older American |
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XX/XX/XXXX PHH Mortgage which disguises themselves as a mortgage company but really, they are a debt collector. In XX/XX/XXXX I filed for XXXX XXXX bankruptcy and the bankruptcy was discharged XX/XX/XXXX, by Bankruptcy, Chief Judge XXXX XXXX. PHH Mortgage/debt collector obtained the discharged debt. Two previous debt collectors brought this debt ( 1 ) was the original debt collector and a second debt collector before PHH/debt collector. I sent them a copy of the discharge order and a letter explaining to the previous debt collectors stating that the debt was discharged in bankruptcy on XX/XX/XXXX. I attached a copy of the Judge 's debtor 's discharged order. And I never heard from them again. PHH Mortgage/debt collector has refused to stop sending mail to me stating that I owe them the discharged amount on the bankruptcy, and they have added money to the account from the pass 6 1/2 years totaling over 90K. I sent a letter to them stating that they are violating and ignoring my Debtor 's Discharge Order given by the U.S. Bankruptcy XXXX ordered by Chief Judge XXXX and my consumers rights. I can't handle the pressure any more I had given my neice the authority to talk to them. They refused to adhere to what I am telling them in my letter. They are still making contact with me to collect a debt that has been XXXX in bankruptcy that I do not owe and sending monthly statements, and they are even sent a woman from their company to physically come to my home on XX/XX/XXXX I had my niece call them on Monday, XX/XX/XXXX about the woman who came to my house leaving a piece of paper to have me call them. And so, my niece did contact customer service they refused to connect her to the bankruptcy dept. The customer service rep. had her on hold for over 20 minutes. When he came back to the phone, he told her they have no way to connect her to their Bankruptcy dept. But, the customer service rep. also stated that the house was taken out of their bankruptcy dept. and put back in to active files to collect or foreclose on the property. He told her to send an email to customer service to inform the bankruptcy dept that she needs to speak to someone and they would contact her in 48 hours well that never happened. My aunt is XXXX XXXX XXXX her health can not handle the aggressive pressure from the debt collector 's illegal practices at PHH Mortgage/debt collector. She has serious issues breathing if she can talk for a minute or two she immediately loses her breath and she has to get on her ventilator and at that point she can't talk anymore for awhile. She is on oxygen and other medications. She is a nervous wreck when she receives phone calls or mail from PHH XXXX XXXX. She has been hospitalized several times because of the abusive aggressive manner about a debt she does not owe to anyone. The statute of limitation is five years in the state of Florida it has been 6 1/2 years to date. Legally they can not sue her for the discharged debt in bankruptcy and because of the statute of limitation of 5 years in Florida has passed. But, most of all the debt was discharged and now they have continued violating the bankruptcy discharge order from XXXX XXXX XXXX XXXX.
I am asking that you make them stop all communication with my aunt ( XXXX XXXX ) her health is not good at all and my family and I are afraid what could happen to her if the aggressiveness of the debt collector does not stop. Because, PHH Mtg/debt collector is breaking the law and her consumer rights as well.
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| 03/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This has been the most frustrating attempt to rectify a simple to fix misunderstanding. PHH Mortgage bought my mortgage from XXXX XXXX in XX/XX/XXXX ( I am still uncertain of the exact date ). I was unaware of this situation and continued to pay my original mortgage company. XXXX transferred 1-3 payments automatically to PHH. They stopped this practice for XXXX. I continued to pay my old mortgage and was unaware they had sold it until XX/XX/XXXX, when I had one of my old checks returned to my account.
Since finding this out in XX/XX/XXXX, I have been trying to work with PHH to rectify. PHH has assessed me multiple late payments for the original 'late ' payments from XXXX and XXXX. They also reported these incidents to the credit bureaus which has caused damage to my credit. I can prove to them that I was unaware of this transfer of my mortgage as my bank statements show me paying the original loan through XX/XX/XXXX, and that I paid it on time for all two-and-a-half years. I have since started paying PHH with myXX/XX/XXXX-XX/XX/XXXX monthly mortgage payments. I only owe them for XX/XX/XXXX and XX/XX/XXXX.
The reason this has been so difficult is that this company is very decentralized and not setup to actually help their customers. I started calling them immediately to fix the problem. During the beginning of XX/XX/XXXX their phone lines were so busy that you would wait on hold for 35 minutes until, each time, the call automatically disconnects at this time frame ( I attempted to call nine times ). I sent two emails to their customer service email and never heard a response back ; one of the emails bounced back stating their incoming system was unable to receive emails. It wasn't until I left a complaint online that a person from an XXXX call center called me to fix the problem. All but one of my conversations have gone through the call center but none of the people here have the power to solve any problems. All they can do is ask for money. I was finally told to fax ( because they can not use emails ) my proof to a certain number. I faxed this on three days ( XX/XX/XXXX and XX/XX/XXXX ). The PHH call center still calls me weekly to ask for my money and each person I talk to can not help. PHH is also sending me letters stating that an agent has been assigned to my case and I can call them at a number to talk, but the number goes to the same call agency and they cant even connect me to the person in the letter. Finally, on XX/XX/XXXX, someone from their call center called me and, when going through the same conversation again, told me that they had accidentally given me the number to the wrong office and then gave me a new one. I faxed this new number the attached letter on XX/XX/XXXX.
I still owe PHH the original two mortgage statements, and I have the money to pay them. The reason I have not paid them is because I had hoped it would get them to work with me AND the fact that the only people I can talk to only have the power to ask for money, my fear in paying them is that I would no longer have anyone calling me which is the only connection I can get to speak to anyone at this company. The final piece that REALLY concerns me is that this company is still allowed to conduct business. If you read all of the complaints online, the company is littered with a myriad of negative comment all similar to the lack of customer service/help.. Their XXXX rating is ONE STAR with an F rating. How is that possible?
Please help me to fix this problem.
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| 09/13/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Thank you. My name is XXXX XXXX and i have recently reached out to your organization and explained in details of the unfortunate situation with regards to both mortgage lenders, Ocwen Loan Servicing and PHH Mortgage Services. The problem started out with Ocwen Loan Servicing, LLC. Back in XX/XX/XXXX a Third Party submitted an application of my behalf and assisted me with the filing of a Loss Mitigation/Loan Modification application. Ocwen intentionally misled me into thinking they were helping me when infact their true intentions were to get my home out from under me. My account had been transferred to PHH Mortgage Servicies on XX/XX/XXXX and they too played the same game. Repetitive request for same documents, sending application which on the service would appear as if they wanted to help when in reality they were out for monetary gain. I have recently discovered by reputible sources and due diligence and uncoverd the fraudulent tactics that both companies were practicing. In my reviews it also mentioned how CFPB submited findings as well. Please note that I have lost my home of my deceased dear mother. It feels as if i have lost her all over again. They had no real intentions of helping me. I started out only two months deliquent going into my third, paying {$480.00} and 5 Hud affilate originazations neglected to not only handle an FHA properly which is mandated by the Government, but by the thrid party submitting my application four months later which only furthered my deliquency causing it to spindal out of control, i know clearly understand that Ocwen was on a cease-and-desist mandated by the courts and they were sinking. PHH acquired the account and played the same game. I am truly aware of the millions of dollars that these two companies have had to pay not only New York State, but they have caused many homeownes to face significant loss.
. I have been served with a vacate notice and i will obey that just as i have everything else. Ocwen and PHH has to be stopped. What they don't realize is that i am a recent double major in the XXXX XXXX/XXXX XXXX and i will not stop until all resources and media outlets are made aware. The injusticies have happened to me, i have complete date/timelines of every spoken word to the minute. I have made a complete video of the duress state of my home. I am XXXX years old and my heatlh has drastically declined. I am a single mother with a XXXX year old who the pain is so severe that she has left home. I have no one to help me. I have been holding on to my dear mother and her memories because of that house and to depend on Ocwen not knowing that they were never going to help me and they knew the distress i was under omg! PLEASE! someone from your organization reach out to me, allow me to be that spokeperson to bring awareness. No one should ever have to go through this or be faced with such a loss. I played and obeyed by all parties rules. Imagine in essence of my own accord {$1600.00} i have lost my home are you kidding me! With the amount of Government Programs someone please tell me how could such a thing happen. I will be seeking legal representation, social media, news media and i will have no problems going all the way up to elected officials. I read the entire fraud cases and reviews on both companies and i am fully aware of the PHH and their bogus attorneys XXXX XXXX XXXX and now their newly appointed XXXX XXXX XXXX. Please reach out XXXX or XXXX. Thank you for your time and review.
Stop them!
|
| 10/25/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The following parties have each acted in the capacity of a debt collector for a refinance mortgage loan that my late husband ( XXXX XXXX ) and I executed on XX/XX/XXXX in favor of XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) as lender : ( 1 ) XXXX XXXX ( " XXXX XXXX '' ) ; ( 2 ) PHH Mortgage Corporation ( " PHH '' ) ; ( 3 ) Ocwen Loan Servicing LLC ( " Ocwen '' ) ; ( 4 ) XXXX XXXX XXXX ( " XXXX XXXX '' ) ; and ( 5 ) XXXX XXXX XXXX ( " XXXX '' ).
By debt collection communication dated XX/XX/XXXX, a copy of which is enclosed hereto as Exhibit " A '', XXXX c/o PHH, declared that my mortgage loan has been in default since XX/XX/XXXX and the last full payment applied to my mortgage loan was for the installment due XX/XX/XXXX. By debt collection communication dated XX/XX/XXXX, a copy of which is enclosed hereto as Exhibit " B '', XXXX XXXX on behalf of PHH as the successor to Ocwen, declared that my mortgage loan has been in default since XX/XX/XXXX. By complaint filed in the Superior Court of New Jersey on XX/XX/XXXX by XXXX, prosecuted by XXXX XXXX, and maintained to present date by XXXX through XXXX, the foregoing debt collectors declared and continue to declare under penalty of perjury that I defaulted on my mortgage loan as of XX/XX/XXXX. A true and correct copy of the XX/XX/XXXX foreclosure complaint commenced, prosecuted and / or maintained in the Superior Court of New Jersey under Docket No. : XXXX is annexed hereto as Exhibit " C ''.
The foregoing statements of default made by the aforementioned debt collectors are false and deceptive upon omitting and concealing : ( 1 ) ten checks, copies of which are enclosed here as Exhibit " D '', totaling {$15000.00} that were paid to and cashed by Ocwen 's predecessor and affiliate, XXXX XXXX XXXX XXXX ( " XXXX ), for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX without any credit to the subject account ; and ( 2 ) three checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by XXXX without any legitimate reason and / or explanation, as displayed within the correspondences enclosed hereto as Exhibit " E ''.
Furthermore, the statements and implications made within the XX/XX/XXXX and XX/XX/XXXX debt collection communications by Debt Collectors XXXX, PHH and XXXX that the last payment made towards and / or applied to the subject account was for XX/XX/XXXX, are false because I did not make any payments for the months starting XX/XX/XXXX through XX/XX/XXXX upon following the instructions given to my late husband and I by Debt Collector XXXX ( for whom Debt Collector Ocwen is the successor ) in order to qualify for a modification, and Debt Collector XXXX declared under penalty of perjury within its complaint filed on XX/XX/XXXX in the Superior Court of New Jersey under Docket No. : XXXX ( the same day my husband died ) that a default under the subject account number occurred as of XX/XX/XXXX upon my failure to pay on XX/XX/XXXX. A true and correct copy of the XX/XX/XXXX foreclosure debt collection complaint filed by Ocwen 's predecessor / affiliate XXXX in the Superior Court of New Jersey under Docket No. : XXXX, and voluntary dismissal by Ocwen on XX/XX/XXXX is enclosed hereto as Exhibit " F ''.
Lastly, despite and in violation of 12 CFR 1026.41 et seq., PHH and XXXX XXXX refuse to provide me a monthly mortgage statement for the payment declared due as of XX/XX/XXXX.
|
| 04/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX Hurricane Irma battered Florida as a category 4 storm and hit my property at XXXX XXXX XXXX XXXX XXXX, FL. We were left without power for over ten days. Tornado 's struck around my property damaging my pool, pool pump, pool heater, salt system, electronic controller, valves, and actuators. Leaving the pool inoperable. All of which had to be replaced due to Hurricane Irma. The sprinkler pump was also damaged and does not work. The air conditioner had to be replaced. My garage door does not work and the door was damaged. My XXXX grille does not work. The gutters flew off the house and into the pool leaving the water black and full of tree debris which had to be cleaned and acid washed. In the pool we also found a hydraulic leak in the jacuzzi due to the pressure from the storm surge from the lake. I have roof leaks through out all three non-master bedrooms rooms and bathroom on the south side of the home. I have leaking in my hall and hall closets that has ruined the wood floor in the closet and living room. The wood floors run throughout the house. I have wood damage in multiple rooms due to the roof leaks throughout the house caused by Hurricane Irma. The house sat for over a week with no air conditioning causing mold to develop in the drywall everywhere the roof leaked throughout the house and in the air conditioner vents due to the extremely hot summer weather. You can smell the mold when you walk into the house everyday for the past five months. I have a wife and XXXX kids and we have to breathe in these mold spores everyday.
Ocwen Loan Servicing LLC is my loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX is my insurance carrier.
On XX/XX/XXXX over three months after my claim of Hurricane Irma damage XXXX XXXX XXXX denied my claim # XXXX Stating that the claim # XXXX from a hurricane two years ago addressed the issue of this New Hurricane, Hurricane Irma which hit XX/XX/XXXX. Now my neighbor next door and three other neighbors on my street have all received checks from their insurance companies and have already replaced their roofs while my house continues leaking and growing mold. I have payed well over {$150000.00} for homeowners insurance on this house and if a Hurricane hits I would think that at a cost of over {$6000.00} a year for insurance, my insurance company would have to pay a claim in the event damage was caused to my house due to a hurricane. Ocwen claims that I pay insurance through my escrow account yet they call it lender placed insurance and claims it does not pay the homeowner in the event of damage to their house. Which makes absolutely no sense. XXXX XXXX XXXX has honored multiple claims for me on damage and payed tens of thousands of dollars in claims for this property over the years which is the norm when damage occurs on high end properties over time.
I have had professional licensed contractors and roofers estimates for the the damage which totals over {$100000.00}. My contractor has given me a quote of {$88000.00}. My roofer has quoted the new roof costing {$32000.00}. Air conditioner bill of over {$20000.00}. I have spent over {$10000.00} repairing the pool equipment and have another {$10000.00} to go to fix the damage to the diamond brite and lighting system of the pool. The sprinkler system is {$2000.00}. Gutters {$2000.00} and XXXX grill {$890.00}. I appreciate any and all help you can provide in resolving these issues in an appropriate and timely manner. Thank you.
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| 08/11/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Hello XXXX XXXX and staff, My name is XXXX XXXX formerly known as XXXX XXXX.
The reason that I 'm contacting your office is due to the mortgage that I had with Litton Loan ( Loan # XXXX ) and currently have with Ocwen Mortgage LLC. loan # XXXX. I purchased my house XX/XX/XXXX for {$110.00}, I made a down payment in the amount of {$9000.00} leaving a balance to be finance in the amount of {$100000.00}.
I received a letter from Ocwen indicating they are taking ownership of the loan from Litton Loan balance in the amount of {$160000.00}. I addressed the issue every since XX/XX/XXXX. I have never taken a loan out against my home since I have lived in it. I 'm currently behind in my mortgage due to medical issues.
Ocwen sent me an invoice indicating that I had a {$45000.00} forbearance. I requested over XXXX times ( no exaggeration ) requesting documentation to why a {$45000.00} forbearance would have been necessary to date it has not been provided to me. I have only received a receipt of my request and it is in the research department and they will contact me upon a time when a resolution has been made, an additional letter is sent indicating it will take longer than expected more time is required.
Ocwen states that when the loan was retrieved from Litton Loan it was at XXXX When I call Ocwen or someone call me they will say the loan amount at the time of receipt of my loan was {$160000.00}. I am not sure how this happened and no one seems to be able to provide any documents with this amount on it. Ocwen requested the original copy of the mortgage contract and still nothing has been done to resolve this issue.
I have been in my house for over 20 years and I have never been {$45000.00} behind where I required a forbearance. I have been contacting Litton loan and Ocwen for the past 15 years regarding this issue to no availIn addition to Litton having the loan my ex-husband obtained a loan solely, XXXX XXXX was ordered by the Judge to pay it back in the divorce decree. However ; XXXX was the originator of the loan, XXXX Bank was purchased by XXXX XXXX this loan was foreclosed on and it was brought to my attention that XXXX purchased the property for {$28000.00}.
I 'm unaware of how Litton loan was able to sell the loan to Ocwen when the Mortgage was purchased by XXXX for {$28000.00}. As well as how the {$28000.00} was applied to my mortgage when the payoff of the loan was to be conducted solely by XXXX XXXX it is ordered in the divorce decree, a copy of all of this information has been provided to Ocwen and I have no information to date.
Ocwen also was charging late fees, and other fees during my modification. Ocwen is by far one of the worst companies ever thecharges are exaggerated added without explanation. I have a charge on my invoice for {$25000.00} next to it is miscellaneous. How can you charge that amount of money without explanation for every dollar and dime, and address it as miscellaneous ( still no answer ) because it is bogus.
The other XXXX plus dollars indicate fees and late charges and more bogus charges.
I 'm not sure if this is the correct department if this is n't the correct department to submit this letter, will you please make sure the proper department and people receive this information. Please help me with this matter. I want the money that was added to my mortgage. I would like toreceive my money backXXXX XXXX, XXXX ( CFPB ) Hi. I am out of the office from XXXX XXXX and not regularly checking email. If you
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| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I can better explain what happened by sharing the email that I sent to their customer care email ( XXXX ) with the Subject topic ( Payment Method Change Complaint for call on XX/XX/2023 ). See email sent to them below : I was instructed by your escalation manager ( XXXX XXXX ) to report my complaint to be resolved to this email. The issues are numbered below : 1. I called on XX/XX/2023 to have my payment method changed but it was not changed. I called today to inform you that because the payment method was not changed I had an overdraft after the representative told me the payment method was changed.
2. The escalation manager, XXXX XXXX told me that the notes written by the rep I spoke with initially did not indicate that the representative changed the payment method after I called him yesterday at XXXX for a duration of 10 minutes at XXXX. Here 's an overview of the conversation that his notes indicate didn't happen according to XXXX XXXX : In the call made on XX/XX/2023 he asked for my account number I refused to give it to him and then he asked for my routing number. I gave this to him because it's public knowledge. He then confirmed my account number for the account number of the bank that I wanted him to change the payment method to. I asked him repeatedly if I could get a confirmation of the change he made and he told me I would receive a confirmation email within XXXX hours. I was suspicious of the call so I checked the next day and my suspicion was correct that he did not make the change causing me an overdraft.
3. Since the escalation manager was called and I had been on the phone with him and a previous tech for over an hour, I felt he could have done more, but insisted that I send this email. Had he done more I wouldn't be sending this email or make a report to the proper regulatory agency. I feel that your organization did not do more to hold the representatives accountable who told me he made the change. If he had told me he couldn't make the payment method change, I could have gone to the bank at that moment and transferred the necessary cash. This guy not only deceived me, but also your company by telling me he did something he didn't and couldn't do and documenting in your system that the call dropped to indicate that we did not have the conversation of him making my request of changing the payment method.
4. I indicated to the escalation manager that I would be reporting this encounter to the proper regulatory agency and I will do that so they can determine if the proper procedures were followed and to make sure the person I spoke with is held accountable for not making the change he said he would or giving me the correct info so I would take the proper action of depositing money before an overdraft action was taken. This may not help my situation, but it may help someone else and make higher, responsible management aware of how their policies are affecting customers. Who knows how much this happens and is not reported ; I know I really don't have the time to do this, but I've been compelled to do so because I'm still suspicious of the first individual that I spoke with may have my account information. Because his notes did not reflect what happened in our conversation according to escalation manager, XXXX XXXX I not at all confident that he did not record my account info making me susceptible to identity theft. Your investigation into this matter and holding this agent responsible is beyond greatly appreciated.
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| 08/24/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Applied for loan modification to try to lower my monthly amount because we were struggling.XX/XX/XXXX Was told I had a 3 month trial, then the loan would be permanently modified BUT, the modification offer was for {$100.00} more per month, ( {$1600.00} ) so I did not agree with this. Was told that there was no explanation at this time as to why it was higher and I had to set up a phone call with a relationship manager.
Took Months without explanations and every time I called they would give the runaround and could n't give me a straight answer.
XX/XX/XXXX Received another modification that seemed to be correct, the amount was acceptable to me. ( XXXX ) Signed it, had it witnessed by 2 people and notarized. Sent it back. Have copies. New Payments were to begin XX/XX/XXXX.
Tried to pay it online and the amounts were not right so when I called they told me that it would be correct in a few days and a few days turned into months of fighting because they then turned around and told me that that modification was a mistake and they cancelled it but did n't have any other explanation. So more phone calls and " investigations '' were taking place. XX/XX/XXXXI was told that my new payment is {$1500.00} with 2.75 fixed, I agreed that this was fine since I was sick of this by now and he told me to give it 24 hours and the online portion will be correct so I can make payment.
We set up phone call for XX/XX/XXXX. All the info that he told me was incorrect stll and he had no explanation and had to research, set up phone call forXX/XX/XXXX was told that the department was still not correcting the info and we need to set up phone call again forXX/XX/XXXX Was told that the payments should be XXXX at 2.75 % and it has been sinceXX/XX/XXXX. He also told me that the trial plan was not completed successfully and no wonder since I had no exact amount!
On XX/XX/XXXX they told me to file for a loan modification again and they sent me a pre-filled application and told me exactly which sections they need since they can use most of the info from the other one and I sent it back on XX/XX/XXXX. On XX/XX/XXXXwe had a follow up call to get a status of this mod and he had none, so onXX/XX/XXXX we spoke again and there was still nothing, he said it was still under review and it could be 10-15 days. XX/XX/XXXXstill nothing and had to schedule ANOTHER phone callXX/XX/XXXX was told I was denied for a modification because I can only have one modification in 24 months. I told him that I have n't had one yet! He told me write a letter to research department and i said no, I want to talk to them and he told me they do n't talk to people ( seriously ). I contacted Office of the Consumer Ombudsman and complained, they investigated and everything they told me that they got from OCWEN is a lie. ( Their letter is datedXX/XX/XXXX) They attached my signatures to an amount that I NEVER agreed to and said it was found that I did have a modification, but I did n't. I called them ( XX/XX/XXXX ) to explain and they have not returned my call.
Called OCWEN today and spoke to XXXX in the Home Retention department to see where this stood and to find out what my options are and she asked me what I wanted to do, I told her keep my home, but I do n't have the catch up amounts that I fell behind on while all this modification was going on and she said that there are not options other than to pay up the balance and then she scheduled me to talk to my relationship manager on XX/XX/XXXX
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| 08/02/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have in the past filed many complaints with several regulatory agencies and with the judges and clerks of XXXX County, FL regarding the verification and validation of the collection of my mortgage loan by the servicer, XXXX XXXX XXXX / XXXX XXXX and now new servicer, XXXX XXXX XXXX, XXXX and I have never received a full certificated response to my Debt Validation Letters, and my QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST lettrs. Neither one of these servicers ( debt collectors ) have complied with each request as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and by RESPA, Title 12 Section 2605 ( e ) of the United States Code as well as the Truth In Lending Act 15 USC Section 1601. Each of these debt collector have failed to follow the law. I have even sent them copies of my credit report showing someone else owning the debt and they still have not provided me with full, clear and certificated proof that they are the ones that have the right to collect the debt. There has even been documents such as Assignment of Mortgage that have been prepared which are suspected to be fraudulent. They continue to send me responses that do not provide enough information to verify the debt nor that they have the right to collect the debt. They provide documents stating that they are original but in court different documents are provided as original. They are not following the law and they are not providing what is required of them by the law. There is suspicion of fraud.
Entities involved are : 1. Originator : XXXX XXXX a subsidiary of American Home Mortgage ( they filed bankruptcy and went out of business XX/XX/2007 ). Bankruptcy Case XXXX : XXXX XXXX. Sponsor : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX 5. Servicers : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 6. Homeward Residential Holdings, Inc. : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was American Home Mortgage Servicing d/b/a XXXX XXXX.
7. Ocwen Financial Corporation : The company that acquired Homeward Residential Holdings, Inc.
8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent.
9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened.
10. Chief Judge XXXX XXXX : I sent a letter Judge XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened.
11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated.
12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened.
13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks.
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| 09/27/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, I was approved for a trial period modification with Ocwen loan servicing. Under this trial period term, I needed to sign and return the Acceptance for the trial period plan terms letter and my first trial period payment of {$1700.00} by no later than XX/XX/XXXX.
On XX/XX/XXXX, I received a letter stating my account was no longer eligible for the loan modification offer because I failed to return the signed trial plan agreement within the required timeframe.
I appealed this decision using the evidence I provided which supported my claim that Ocwen Loan Servicing received the executed Trial Period agreement and my 1st trial period plan payment on XX/XX/XXXX. One day before the XX/XX/XXXX deadline.
On XX/XX/XXXX, I learned my appeal had been denied because ( based on the original Deed of Trust ) my husband did not sign off on the Plan agreement. However, in XX/XX/XXXX, a recorded Quitclaim Deed was provided to Ocwen Loan Servicing for a loan modification for which I received and was awarded without my husbands signature. Furthermore, the modification appeal review that was conducted by Ms. XXXX XXXX details and contains an entire list of fraudulent details pertaining to the Trial Period Plan Payments and the dates it was received.
On XX/XX/XXXX, I reached out to Ms. XXXX XXXX to advise her of the errors made with her repeal review. After placing me on old for more that 15 minutes, Ms . XXXX returned on the phone to advise she was unaware of the Quitclaim deed on file, and after I informed her she reviewed my XXXX modification records and she did see where my husband 's signature was not needed with that modification but she would need to obtain clarification from another department. Ms . XXXX went on to state that she would be out of the office on Friday XX/XX/XXXX, but would return on Monday XX/XX/XXXX, and at that time she should have heard back from that department. She said she would contact me as soon as she has received word.
On Friday, XX/XX/XXXX after telephoning Ms . XXXX on countless occasions and receiving only voicemail and leaving message with no return response. My call was finally answered by the office assistant. The office assistant advised that Ms . XXXX was not available at this time and she would be happy to accept the message and have her return the call. I stated that I wished to speak with her Manager since she has not returned my calls since XX/XX/XXXX and I have been receiving foreclosure notices based on an error that she caused and I want it fixed today.
After being placed on hold forever, suddenly Ms. XXXX is now available to accept my call and the manager was in a meeting. Ms . XXXX joins that call to advise she is still waiting on this other department to reply to her ; that she is not the one that makes the decision. I stated that while you are playing games with people 's lives, I am receiving foreclosure notices in the mail. Ms . XXXX stated that she placed a red flag on my account, so my home would not be foreclosed on while it still being reviewed. But, it would not stop the foreclosure process. I informed her that my home should not be in the foreclosure stage because of the modification trial plan I was awarded was being followed as indicated before she failed to properly perform her job.
I further advised that if I lose my home over the error she has failed to correct, I plan to sue her and Ocwen Loan Servicing for intentionally rejecting claims based on fraudulent beliefs.
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| 09/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We had a mortgage with Homecomings Financial XX/XX/XXXX and in XX/XX/XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. We did not pay the mortgage XXXX XXXX, XXXX and XXXX XXXX. However we tried to work out loan modification with GMAC and were told that in order to achieve any type of modification we had to pay them something. Therefore we agreed to try and start paying something by XX/XX/XXXX or XX/XX/XXXX. We worked very hard to pay what we could while believing that they were working with us on loan modification or possible short sale. ( all documents and emails are attached ) In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. Then, unbeknownst to us, they moved forward with foreclosure proceedings even though we were working XXXX jobs to pay a lawyer to help us negotiate with them on loan modification and/or short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. The first delinquency that led to the foreclosure was XXXX XXXX. We are essentially being punished for doing what they asked and sending in money in order to have them agree to work with us on loan modification. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XX/XX/XXXX so we are not able to get any documentation from GMAC or Homecomings regarding anything that happened prior to the XX/XX/XXXX transfer. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC no longer seems to exist. In XX/XX/XXXX we were given the opportunity for government review of the mortgage with GMAC due to all the illegal dealings GMAC had been involved with. We declined. However, we now understand that was a mistake. I have reviewed the county records and discovered that GMAC used robosigning and other illegal tools in our foreclosure common to so many other foreclosures at the time. In addition, review of the records makes it clear that, at no time, did GMAC have intention to work out loan modification or short sale with us, but, in fact, intended only to take as much money as possible from us before foreclosing.
At this point, we can not buy a house. For many years our financial life has been severely restricted no matter how financially responsible we have been. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. XXXX XXXX. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.
We have been financially damaged by this situation and we have been XXXX. For the last several years we have been asking only that the foreclosure be removed from the record. At this point we are demanding that the foreclosure be removed immediately. Not in 15 days, or 30 days or 60 days. Immediately. If it is not removed within 48 hours, we will file suit in superior court. We will file suit for damages including financial and punitive.
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| 03/17/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My mortgage loan has transferred to Ocwen and I have run into nothing but problems dealing with them. I never received a formal notice that the loan was transferred and several months passed before I realized the change in servicers. I have struggled due to loss of job and have tried to engage the loss mitigation department at Ocwen but have dealt with customer agents who speak very poor XXXX who are hard to understand. I have dealt with people giving me conflicting information and receive conflicting letters regarding what options may be available for me to save my house. Now Ocwen is trying to sell my home at auction and I have had to take extraordinary measures to stop this from happening. I have owned my home for 18 years and feel that Ocwen is not being straight with me or giving me a chance to fix this problem.
I feel I was misled from the beginning when I took out this loan. I had refinanced in XX/XX/XXXX into a bad adjustable rate loan with an interest rate of 9.95 % and then just five months later the same people at XXXX steered me into a NEW adjustable rate loan. They made it seem like a good deal at the time but I did not realize they were slamming me with points and junk fees and a bad loan with a rate starting at 9.9 % that could go up to 13.9 %. I feel they steered me into these predatory loans so that they could keep me refinancing over and over as property values were going up in order to maximize their points and fees.
When the recession hit in XX/XX/XXXX I was in a tough spot. I worked in XXXX and lost my job, and then was in and out of work for a couple of years. At the same time my mortgage had adjusted and the payment went up and due to these two factors I began missing payments. Eventually the loan was transferred to Litton Loans and my job situation stabilized and I reached out in hopes that I could be reviewed for a loan modification. I went through the ringer with Litton, submitting and resubmitting my information on multiple occasions and never making any progress. It was beyond frustrating, because at that I time I was making good money and wanted to resolve my mortgage problem. Unfortunately I never was able to actually get reviewed.
I then found that the loan had been transferred to Ocwen ( several months after the transfer actually occurred! ). I call in and speak with agents who tell me that I am eligible for loan modification options and receive letters that say the same thing. But when I apply and send the paperwork in I receive a response letter that there are no options available except for short sale or deed in lieu of foreclosure. There is no explanation as to why these are the only options available, the letter just says that is the way it is. Then when I call in I am invited to apply for modification again and then I receive new letters that tell me to apply for modification. So it is like I am on a hamster wheel going round and round and making no progress and getting no answers.
At this time I am unemployed, but have an unemployment hearing coming up in a couple of weeks. I believe there are programs available that allow homeowners who are unemployed to defer payments or receive some type of forbearance plan while waiting for benefit approval. Why have I not been considered for any of these types of programs? Why has Ocwen been so difficult to deal with and not given any straight answers? Why is Ocwen trying to sell my home without at least giving me the option to fix this problem?
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| 01/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Ocwen my mortgage servicer has made it nearly impossible to get private mortgage insurance removed XX/XX/XXXX-I inquired to have PMI removed since the value of my home has gone up due to the market. I was told over the phone, that I would have to wait 2 years before I could take market appreciation into account on the house, unless I was able to provide receipts and documents of the $ XXXX of improvements i made in the house XX/XX/XXXX-I received a document that stated I had to wait 2 years ( 2 years after the loan origination date ) before I could take market appreciation into account on the house, unless I was able to provide receipts and documents of the $ XXXX of improvements i made in the house. The document laid out the process, and made absolutely no mention of using a single vendor.
XX/XX/XXXX- I received a document in the mail, stating my rights to cancel PMI, and the 3 stipulations that I had to meet verbatim The LTV ratio must be less than or equal to 80 percent as follows : For purchase transactions, original value is the lesser of the sales price or the appraised value from loan origination.
For refinance transactions, original value is based on the appraised value from loan origination.
The borrower must submit a written request to the address below.
The loan must be current with no payments received 30 or more days late in the preceding 12 months or 60 or more days late in the preceding 24 months. The account must remain current throughout the cancellation process.
Proof of a type satisfactory to the mortgage investor that the property has not declined in value since loan origination.
( Please note that any related fees will not be reimbursed by Ocwen Loan Servicing, LLC ).
XX/XX/XXXX- Since my loan origination date was XX/XX/XXXX, I waited to the 2 year mark to get an appraisal done on the house. I got an appraisal done, and register mailed to Ocwen with the written letter to cancel PMI.
XX/XX/XXXX- After no answer from ocwen or reply, I called customer service to ask what the status was. They said that a realtor estimate was not good enough, and that I would need to get an actual appraisal of the property.
XX/XX/XXXX-After getting the appraisal, and mailing it to Ocwen registered mail, they said that the appraisal was not done through their single vendor, and the {$460.00} spent on getting the appraisal would be worthless.
XX/XX/XXXX- After begging and pleading with Ocwen about the appraisal being from a NH State licensed appraisal, Ocwen still denied the appraisal to be used to cancel PMI. After being denied from using a state licensed NH appraiser, I asked which vendor we could use. Customer Service representatives, said " any vendor '', and then when I brought to an escalation manager none of them could name the actual vendor theyre required to use! Even in both denial letters, they do not state the actual reason that they are denying PMI cancellation.
This is even after I met all the stipulations to cancel PMI, since it was not done through their single vendor it would not be allowed. This requirement was not mentioned in the contract signed at closing as well as the documents sent to me numerous times after making the inquiry of canceling PMI. This is even after Ocwen was forced to pay XXXX in very similar class action lawsuit, and barred from doing business in both Maine, and Massachusetts.
Even after potential litigation. Ocwen refuses to honor my appraisal, for absolutely no reason.
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| 09/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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MY FIRST PROBLEM STARTED XX/XX/XXXX, WHEN I TRIED TO MAKE PAYMENTS TO OCWEN, I WAS TOLD TO MAKE PAYMENT TO A XXXX XXXX ACCOUNT THAT WAS FROZEN, THEN WAS TOLD TO SEND PAYMENT THROUGH XXXX XXXX THE ACCOUNT WAS RED FLAGGED AND FROZEN. THESE DELAYS CAUSE LATE FEES AND OTHER FEES. XX/XX/XXXX, FIRST MODIFICATION WAS DECLARED OVER. WAS NOT INFORMED THIS WAS HAPPENING, UNTIL IT WAS DONE. WAS BEHIND A FEW MONTHS DUE TO BEING ON XXXX LEAVE, SO XX/XX/XXXX, WAS LAID OFF FROM JOB. MAKING BEST I COULD. I HAD SENT A PAYMENT XX/XX/XXXX, OCWEN WAS HOLDING THE PAYMENT, AND CHARGING LATE FEES TO THAT PAYMENT. FOUND OUT THIS IN XX/XX/XXXX, AND THEN THEY WERE SENDING PEOPLE OUT TO APPRAISE MY HOME, AND THREATENING ME TO FORECLOSE ON HOME IF DID NOT COME WITH FULL PAYMENT AND LATE FEES AND OTHER FEES THEY HAD INCURRED. I DID NOT HAVE THE MONEY, SO I BORROWED THE AMOUNT NEEDED TO BRING ME CURRENT XX/XX/XXXX, THEN OCWEN WENT UP ON MY MORTGAGE RATES AND PAYMENTS FOR MY PAYMENT XX/XX/XXXX. TWO TIMES THE AMOUNT I WAS HAVING PROBLEMS WITH BEFORE.I HAD EXPLAINED, I JUST LOST MY JOB. I WENT TO THE WEB SITE AND I FOUND A SECTION THAT SAID YOU CAN ASK FOR HELP. SO I APPLIED FOR A HARD SHIP, AND A LOAN MODIFICATION. THIS WAS XX/XX/XXXX. I FAXED THIS INFORMATION TO OCWEN, THEY SAID THEY RECEIVED IT. A WEEK LATER, I RECEIVED A LETTER ASKING FOR THE SAME INFORMATION, AND ONE FORM THAT WAS MISSING THE FIRST TIME. I FAX THE INFORMATION AGAIN WITH FORM. TWO DAYS LATER ANOTHER LETTER CAME, I NEEDED VERIFICATION OF MY RESIDENCE. SO I GOT A LETTER FROM MY BANK AND FAX IT TO OCWEN. MEANWHILE I GETTING THREATENING CALLS, SEVEN DAYS A WEEK ALL TIMES OF THE DAY AND NIGHT. XXXX. WORRIED ABOUT LOSING MY HOME. I SPOKE TO SEVERAL AGENTS ABOUT MY SITUATION, THEY ALL KEPT REFERRING ME TO MY PERSONAL ACCOUNT MANAGER, WHO NEVER WAS AVAILABLE FOR ME, ALWAYS NOT THERE, NEVER CALL WHEN SCHEDULED CALL TIMES WERE MADE. I WOULD GET SOMEONE ELSE WHO, DID NOT HAVE FULL UNDERSTANDING OF MY CASE, WHEN I ASK FOR REAL HELP, I WAS DIRECTED TO APPOINTMENT WITH MY ACCOUNT MANAGER. LETTERS START TO COME ON REGULAR BASIS, BUT NOTHING ABOUT THE HARDSHIP AND LOAN MODIFICATION. NOW I AM THREE MONTH BEHIND ON MY MORTGAGE AND HAVE NOT RECEIVED A LETTER OF RESPONSE OR ANY INFORMATION ABOUT THE HARDSHIP OR LOAN MODIFICATION. I GOING INTO MY FOURTH MONTH NOTHING, NO LETTER, NO FAX, NO RESPONSE. I SENT MY APPLICATION XX/XX/XXXX, NOW IT IS XX/XX/XXXX AND NO RESPONSE. I 'M AFRAID OCWEN WAS NEVER TRYING TO HELP ME AND THEY ALOUD TIME TO ELAPSE, PUTTING ME FURTHER IN A NO WAY OUT SITUATION. I JUST FOUND FULL TIME WORK XX/XX/XXXX. I THOUGHT TO LET SOME IN OCWEN KNOW, I CAN START PAYING A MORTGAGE AGAIN, BUT I NEED SOME HELP WITH THE TERMS OF OLD MORTGAGE. NO ONE WILL ADDRESS THE ISSUES I HAVE ABOUT THE OTHER FEES, THEN ADDED USURY COMPOUNDED INTERESTS CHARGES, WHERE I CLEARLY, ASKED FOR HELP, BEFORE MY NEW ARRANGEMENT BEGAN XX/XX/XXXX. I HAVE CHANCE FOR A START TO CLEAN UP A LOT DEBT AND MY MORTGAGE SITUATION, I JUST NEED SOME TIME AND ASSISTANCE, TO GET BACK ON TRACK. OCWEN HAS BEEN A NIGHTMARE EVERY SINCE XXXX XXXX XXXX SOLD MY MORTGAGE TO THEM. I BELIEVE THEY DECEIVED ME INTO THINKING HELP WAS AVAILABLE, BUT INSTEAD MADE MY SITUATION WORSE. I WANT MY HOME. I WORKED HARD TO GET MY HOME AND THE ONE TIME, I FELL ON BAD TIMES, OWEN OFFERED TO HELP, AND THEY MADE THINGS WORSE, AND NOW WANT TO TAKE MY HOME. ALL I HAVE LEFT IS MY HOME. I HAVE LETTERS AND FAX DOCUMENTS TO SUPPORT MY CLAIM. THANKS FOR YOU TIME.
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| 08/02/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have in the past filed many complaints with several regulatory agencies and with the judges and clerks of XXXX County, FL regarding the verification and validation of the collection of my mortgage loan by the servicer, XXXX / XXXX XXXX and now new servicer, XXXX XXXX XXXX, XXXX and I have never received a full certificated response to my Debt Validation Letters, and my QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST lettrs. Neither one of these servicers ( debt collectors ) have complied with each request as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and by RESPA, Title 12 Section 2605 ( e ) of the United States Code as well as the Truth In Lending Act 15 USC Section 1601. Each of these debt collector have failed to follow the law. I have even sent them copies of my credit report showing someone else owning the debt and they still have not provided me with full, clear and certificated proof that they are the ones that have the right to collect the debt. There has even been documents such as Assignment of Mortgage that have been prepared which are suspected to be fraudulent. They continue to send me responses that do not provide enough information to verify the debt nor that they have the right to collect the debt. They provide documents stating that they are original but in court different documents are provided as original. They are not following the law and they are not providing what is required of them by the law. There is suspicion of fraud.
Entities involved are : 1. Originator : XXXX XXXX a subsidiary of American Home Mortgage ( they filed bankruptcy and went out of business XX/XX/2007 ). Bankruptcy Case Number : XXXX 2. Sponsor : XXXX XXXX XXXX XXXX XXXX 3. Depositor : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX 5. Servicers : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 6. Homeward Residential Holdings, Inc. : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was American Home Mortgage Servicing d/b/a XXXX XXXX
7. Ocwen Financial Corporation : The company that acquired Homeward Residential Holdings, Inc.
8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent.
9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened.
10. Chief Judge XXXX XXXX : I sent a letter Judge XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened.
11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated.
12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened.
13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks.
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| 05/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen had alerted us that we had missed a XXXX XXXX payment. We were adamant that we had sent the payment, but we had no bank records because we sent the payment in the form of a XXXX XXXX XXXX gram. We entered escalation at that point in an attempt to find the missing XXXX payment.
During the early escalation process we had several different representatives give us varying stories regarding which payment we were missing ( we were told it was XXXX XXXX, XXXX XXXX and XXXX XXXX ). We began to record the calls ( with the knowledge of the representatives ) because everybody was giving us different information. At first we were told we were missing XXXX payment and then we would be told that we were missing XXXX payments?
In XXXX of XXXX we requested and received an account ledger/audit that documented every payment since XXXX. It made NO sense. Not only were payments misapplied/missing, but our suspense account was missing money.
In XXXX of XXXX we decided to just make up the payment ( s ) that Ocwen said we were missing, which at the time we were told was XXXX XXXX and XXXX XXXX. We did so because it was not worth the damaging credit reporting. In XXXX we sent XXXX payments ; XXXX for {$1800.00} ( the missing two months, according to ocwen ) and another for {$900.00} ( the current month payment ). Those payments should have brought us current as of XXXX XXXX.
In XXXX XXXX, we were still being documented as 90 days delinquent? I called Ocwen and began another escalation process.
At that time Ocwen stated that we were also missing XXXX XXXX payment ( which had never been brought to our attention before ). We were also told that our {$1800.00} check was returned along with the {$900.00} check from XXXX XXXX? We were told that they were returned NSF?
We printed out 2 years worth of bank statements showing that ALL payments had been made, none were returned and NO FUNDS were ever credited to our bank account by ocwen.
I have sent our records to ocwen on XXXX occasions showing that the:1. XXXX XXXX payment was made and received by Ocwen2. Both XXXX XXXX payments were paid and received by ocwen. ( {$1800.00} & {$900.00} ) 3. Ocwen never credited the {$900.00} check from XXXX XXXX back into our bank account in XXXX.
Our account should not only be current, but we should have a heafty suspense account balance. Ocwen has taken several payments from our suspense account to " cover missing payments '' that were never actually missing. But even then, our monies are not being applied to the loan?
The short version of this story is that Ocwen lost a XXXX XXXX payment, we couldnt prove we paid it becasue we lost our money gram receipt. The we were told that we had mnissed XXXX XXXX payments ( XXXX and XXXX ), even though we knew that was no correct, we paid the XXXX missing payment plus the current mortgage payment in XXXX XXXX, and those payments were lost and/or not applied to the loan. Then after that they informed us that we were also missing a XXXX XXXX payment.
Attached are all the bank records showing that WE DID make those payments ( XXXX {$1800.00} and {$900.00} ; XXXX XXXX ) and Ocwen did receive the funds. If Ocwen missapplied or lost the money, that is not our problem. Our credit has been destroyed, we are being reported 90 days delinquent every month for the past 16 months. We have been in escalation 16 months, they have passed us around to XXXX different escalation managers and NOTHING has been fixed. Please help!
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| 04/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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The Trust you claim you are representing does not exist. Delaware has certified that XXXX XXXX has not complied with Title 12, and is therefore nor recognized as a valid trust. The Secretary of State in Delaware has no record of this Trust ever being registered, and therefore is not recognized by the State. This is a rogue Trust. You can not foreclose in either a non judicial or judicial foreclosure on behalf of a faulty, rogue trust.
2. AHMSI ( and by continuation you as their successor ) admitted in XX/XX/XXXX when I requested the funds transfer information on the alleged Mortgage originator All Fund mortgage that there was no record of them funding the load available starting at minute 12 in the recording when I asked to speak with a manager. When asked they admitted that that All Fund never funded the loan, and that in all probability it was Table funded with funds from the Investor Pool That invalidates the loan, as the legal definition of a Loan Agreement means a written agreement between a Borrower and an Eligible Lender for consideration. Since All Fund was not the true lender, there is no agreement, and no date of consummation. Further Table funded loans, according to Reg Z of the Federal Reserve, are predatory loans per se, and the loan is therefore invalid. I have made repeated requests for copies of the wire transfers involving the origination of this loan, and you have failed to respond.
3. Your unwillingness to provide proof of the consummation date and alleged wire transfers from All Fund demonstrated the loan was indeed predatory, and I sent a notice of rescission as the law allows. You received notice of my TILA rescission of the above alleged debt on XX/XX/XXXX by XXXX certified mail. By operation of law the underlying transaction/note are void at the moment I mailed the notice per TILA. See XXXX v XXXX XXXX Supreme Court. No party with standing filed action to challenge the rescission within 20 days as per the Statue, and are now time bared. Failure to challenge leaves the rescission now binding on all parties, and implies acceptance of the rescission by the party in standing. You are taking an Illegal action on a voided note/mortgage which was agreed to by whoever the party in standing is as evidenced by their taking no action and are in violation of federal law.
4. You have falsified your accounting to appear to be inside the Washington 6 year statute of limitations regarding the collection of alleged debt RCW XXXX. You claim a payment from me on XX/XX/XXXX for {$63.00}. This is a complete fabrication and falsehood. I deny ever sending you these funds. You are time bared from any action on this alleged debt due to being past the 6 year statute of limitations. This is in addition to the note/mortgage being void. You have attempted to falsify your records to avoid this fact.
5. AHMSI ( and by continuation you as their successor ) admitted in XX/XX/XXXX to using fraudulent documents in an attempt to foreclose on this property in a phone conversation with me. The representative then canceled the sale scheduled for the following day, and rescinded the Trustee Sale notice in the county records. You are using the exact same documents and are thereby committing fraud.
6. You received my notice to cease harassing phone calls and to only communicate by mail on XX/XX/XXXX by XXXX certified mail. You failed to cease and continued to call up to 4 times a day numbering the hundreds of occurrences.
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| 11/19/2015 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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Here recently we sued Ocwen and debt collector XXXX for their collection practices in Federal Court because there is a State Court XXXX order in the State Court that was ordered XX/XX/XXXX prohibiting the filing of any future actions against the substitute trustee and their agents and employees in the State court. When the Federal FDCPA suit was filed the defendants sought contempt of court orders in the state court imprisonment to comply if the federal suit was not dismissed. A request of XXXX in attorney fees to the substitute trustee was also made a part of the deal. Out of fear of imprisonment, we dismissed the Federal lawsuit and consented to pay the XXXX. We later sought to have the voluntary dismissal vacated but it was ordered that we did not show the court that we were entitled to the relief and we are likely stuck with the cost of refiling the suit and paying the additional cost to bring the action. While we were awaiting a ruling from the court, Ocwen mailed me a Delinquent Notice pursuant to XXXX CFR XXXX wherein Ocwen is informing us that the loan is delinquent and has been turned over to a foreclosure attorney. Ocwen further states that the initial filing has not been completed. At some point between the FDCPA lawsuit filed XXXX XXXX, XXXX and the XXXX XXXX XXXX Notice, Ocwen must have requested that its substitute trustee rescind the original foreclosure and start the process over. And while we believe this to be the case a substitute trustee currently has the property scheduled for a sale date of XXXX XXXX, XXXX. We contacted both Ocwen and the substitute trustee, and the Ocwen representative would not speak regarding the letter and was solely interested in questioning about the loan modification claiming that papers were needed, but we informed him that we had already received a denial letter based on the fact that the sale was 7 days out. When we reached out to the alleged substitute trustee regarding them rescinding the foreclosure based on the information contained in the delinquent notice, they have failed and refused to respond. The XXXX debt collector is in possession of an order from the state court that prohibits us from filing any complaints to your agency and any other Federal agencies, courts and commission. We have appealed this order. The original foreclosure in this case was upheld by the NC XXXX Court, however, an issue that was not before the court is the fact that the substitute trustees XXXX XXXX and or XXXX XXXX did not send a dunning letter to us as required by the FDCPA, although Ocwen and its attorneys do not believe that we have rights or protections under FDCPA, we strongly beg to differ and stand ready to file our FDCPA complaints with the Federal Court and we would hope that Ocwen and its attorneys would not threaten that we be imprisoned in the future for filing claims that are far removed from the foreclosure and unrelated to the underlying issues that were decided by the state court judge. I am attaching a copy of the Delinquency letter and a response from Ocwen filed in the Federal Court in response to our Motion to vacate the voluntary dismissal. It should be noted that Ocwen 's response to the motion was done prior to its claims that it still had an active right to sale the property based on XXXX XXXX, XXXX order permitting the foreclosure. These XXXX documents show that Ocwen is misrepresenting the status of the loan when it filed its answer in Federal Court.
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| 03/13/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This process has taken over 6 months. During that time were shuffled to 7 different loan officers. Each time a new person came on, we needed to resend, repeat information etc. On initial query with ocwen to refinance to get a better rate, we were never told homeward residental was a division of Ocwen. We found this information out because we were trying to reach some one regarding an issue. We though this was deceptive. Everytime a tentative closing date was given communication would be halted for weeks, we would leave message and they would send more document to be signed. These documents contained errors, we tried to correct them and were told it would be correct at closing. Now two weeks before closing we are told the company has changed names again, its now XXXX XXXX.Again another loan officer, takes over. During this period of over six months we had to produce IRS statements, tax returns, credit card bills which were minimal each time they needed something new. Charges relating to office charges they wanted XXXX balances. Now they want our business lease payments ( we do not have a lease and this payment info is on business tax statement but they want 12 cancelled checks as proof. This was just asked this week. We were told our debt ratio was good, we had assets to cover loan and closing was eminent by the last loan officer. We refused to give them the copy of rent checks,, we told them that info was on our tax info they have, so they denied the loan. Excuse now denied due to excessive obligations.It seemed they were looking for reason to deny the refinance. Each time we got close the underwriter needed something else. For a XXXX dollar refinance the amount of things need was excessive.I feel were we being bullied by this company. We were told we needed XXXX credit balances and this was during XXXX and half of the cards were used for business purposes and were paid off in full every month and the personal cards were paid off in full each month also. I felt like my credit cards were being held hostage.We felt harassed the whole time and were treated like children not adults 30 years in business. Everytime my credit was accessed, I had to file a need for my reports because I was getting info things were being opened in my name without my authorizing new cards, etc. I have the names of persons handling this process, if needed. We feel these practices are not standard in the industry and we were unjustly harassed. The last loan officer was surprised at the amount BS paperwork that was asked for and was taken back that the underwriter and supervisor refused to work with us and would not budge on the rent check for our office. We paid for an appraisal, that was useless and a second one was needed due to their screwing around ( no charge on second one ). We had two separate closing dates and told we were good to go. Because of the length of time involved we needed to fill out all forms again and got another rate. As a small business owner I feel we were put through unnecessary hoops for a XXXX dollar refinance. Our credit score are fabulous. Debt ratio was good, because I rectified this. We even gave info on our assets, mutual account to show we had additional income. It seemed that no one knew there job and what was needed to get this done. All we had were excuses and delays! Again over 6 months for this process, why? along with several duplications of already filled out paperwork. I have copies if needed.
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| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was having an issue with XXXX tenants in my XXXX family home and I was in fear that I might be late with my mortgage due to the tenant eviction process that was taking me several months before I can evict my tenant. I recently made a loam modification and did not want to fall behind on my mortgage. So I contacted Ocwen Loan servicing to see if I can make any adjustments to make sure I do not fall behind on any payment. I was told that I can set up a temporary repayment plan to avoid any late payments on my account. As per my initial modification plan states that if I am late I will not be able to get any forbearance that was agreed as part of my modification so this was very important. On the first week of XX/XX/XXXX I set up a repayment plan with Ocwen. I was told specifically NOT to pay my up coming monthly payment and to make a payment for the new amount the next month. XX/XX/XXXX came I tried to make a payment to Ocwen Loan. But I was told that there was some mistake and the repayment plan did not go through and it was the fault of Ocwen. After that point Ocwen Loan made me 2 months late on my mortgage because they told me not to pay my monthly amount so I can pay the new amount in the upcoming coming month. because this plan was not set up properly by the bank I was now 2 months late and I was advised my Ocwen to set up a new repayment plan to avoid any late fees and other even though this mistake was not my fault. I set up my 2nd repayment plan and was approved and told how much to pay and again I was not to pay the current month as the new repayment plan was set up with a new payment amount. So now In XX/XX/XXXX I was to pay the new amount and Again before making I called Ocwen to make sure I have the correct payment address and they told me on the phone call that my repayment plan was not properly put in by the Ocwen rep. and that my payment plan was not approved. I was NOT sent any type of verification or letter or phone telling me this. Now because of Ocwen was loan was way past 90 days late on payments totally because of Ocwen loan servicing. I again tried to make a repayment plan which again did not end well. I also tried to contact their research Dept to find out a response on why they made this mistake and why I was not contacted but their response which took weeks for them to get back to me and was not in the legal time limit for them to respond to my request but after finally receiving info on my request. Ocwen acknowledges that they error was on their part and all I received was an apology. I was having a difficult time because I was going to be 1 month late now because of ocwen I was going to be over 3 months late and my payment was going from {$2300.00} per month to a crazy amount of {$3800.00} per month and they basically told that I will be in foreclosure weather it was the fault of Ocwen or not and if I don't pay I will be in court proceeding. I feel Ocwen loan servicing has purposely tried to place my account into foreclosure and force me out. I have so much paper work and details of every account, which I might have not fully explained in this brief account of what happened. But I would like the opportunity to fully explain and provide documents to prove my description. I would also like to say that Ocwen Loan has also acknowledged their mistake in writing to me which I also have, please email back or contact me to further discuss and provide documents of my account, many thanks
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| 10/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I send the Demand Under FDCPA and request Immediate Stay of Sale to Ocwen Loan Servicing , LLC and their Trustee XXXX. They completely ignored to answer all my questions and continue foreclosure on my house.
I did submit the loan modification email and fax to OCWEN on XXXX XXXX, XXXX, XXXX business days before the scheduled foreclosure sale date : XXXX XXXX, XXXX. On Ocwen Loan Servicing , LLC Request for Mortgage Assistance / Hardship Affidavit : Dear Borrower, If you are facing financial difficulties, you are not alone. We are here to help you.
No matter what your situation, you may have options. We offer multiple solutions to help you through difficult times, including, but not limited to, the Home Affordable Modification Program ( HAMP ) and Home Affordable Foreclosure Alternative Program ( HAFA ).
We also offer our own modification options and foreclosure alternatives. Please note, the options available to you may vary due to the requirements of the owner of your loan.
The table below outlines the variety of solutions available. We encourage you to complete and return the enclosed Request for Mortgage Assistance ( RMA ) / Hardship Affidavit application.
The sooner you apply, the sooner we can help.
If Your Loan is in Foreclosure A Complete Application includes all required forms and ALL requested documentation.
NOTE TO BORROWERS WITH A FORECLOSURE SALE SCHEDULED IN THE NEXT 37 DAYS : If we receive your Complete Application for modification* at least 7 business days before a scheduled foreclosure sale date, we will not complete the foreclosure action until we review and decision your application.
But Ocwen continued foreclosure my house. The New Mortgage Foreclosure Laws that take effect XXXX XXXX, XXXX : 2. Review of Foreclosure Documents ( Civil Code XXXX ) Before commencing foreclosure, a mortgage servicer is required to review competent and reliable evidence to substantiate the borrower 's default and its right to foreclose. In addition, every recorded declaration, affidavit, NOD, NOS, assignment, and substitution of trustee must be accurate and complete, and supported by competent and reliable evidence. This provision does not sunset.
3. Prohibition on Dual Tracking ( Civil Code XXXX, XXXX ( Section XXXX ) and XXXX ( Section XXXX ) ) A mortgage servicer is prohibited from commencing or continuing the foreclosure process while a completed loan modification application submitted by a borrower is pending, until ( 1 ) the mortgage servicer makes a written determination that the borrower is not eligible for a loan modification and any appeal period has expired ; ( 2 ) the borrower does not accept a loan modification offer within 14 days of the offer ; or ( 3 ) the borrower accepts a loan modification offer, but defaults or breaches the terms.
Additionally, a mortgage servicer is prohibited from commencing or continuing the foreclosure process if a borrower is in compliance with the terms of an approved foreclosure prevention alternative, or if a foreclosure prevention alternative has been approved by all parties and proof of financing has been provided to the servicer.
4. Damages ( Civil XXXX XXXX ) Prior to a trustee 's sale, a borrower may bring an injunctive action against a mortgage servicer for a material violation of Civil Code Sections XXXX ( borrower outreach and declaration of contact or due diligence ), XXXX ( review of foreclosure documents ), or XXXX ( dual track prohibition ).
|
| 09/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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CFPB New Complaint with New Evidence against OCWEN Servicing LLC That on XXXX XXXX, XXXX XXXX XXXX XXXX received a letter from the Ombudsman 's Office of OCWEN stating they could not get the information requested 1st over 5 years ago and all requests ignored and now state they can not get information to XXXX till XXXX XXXX, XXXX yet have a illegal fraudulent foreclosure date on XXXX XXXX, XXXX, The Attorney General 's Office of Virginia requested till all information was received that the Foreclosure be put on hold. OCWEN has refused and hired XXXX XXXX to act as their lawyer and informed XXXX she is not allowed to talk to OCWEN.
XXXX XXXX in a taped conversation stated clearly they do not have a loan in the name XXXX XXXX XXXX, under her social security No. or under the loan No. used by OCWEN. XXXX XXXX Bank then told the CFPB the same, that they had nothing to do with this.
OCWEN refuses to disclose who their employer is by all appearance there is no employer.
That find attached the Deed of Appointment of Substitute Trustee assigning new Trustee - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The problem with this Document is XXXX XXXX Bank never gave XXXX XXXX a Power of Attorney to sign such document as they have no alleged loan. Further the XXXX XXXX XXXX XXXX has the same title as XXXX XXXX. Contact Management Coordinators, This job states all you need is a high school education and pays between {$30000.00} - {$37000.00}. These crimes have been reported to the FBI in XXXX XXXX XXXX.
That attached also find the DOJ {$25.00} XXXX Servicing Agreement Please also find attached the XXXX settlement agreement that has been violated The New Florida Law Suit The New CFPB Lawsuit The Amended Complaint and attachments filed by XXXX XXXX XXXX The Letter sent to XXXX XXXX in response to her The Letter that was first sent back in around XXXX to XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX al have ignored The attached show that OCWEN and their attorneys have dirty hands and must be stopped.
That the XXXX settlement that gave OCWEN and its employees immunity to criminal acts and actions has been violated and Criminal Complaints about employees are going to be filed.
That this SCHEME and ARTIFICE needs to be stopped.
The foreclosure needs to be put on hold indefinitely till XXXX has her day in court with a XXXX XXXX.
That all information should also be sent to : XXXX XXXX XXXX XXXX XXXX of the Attorney General XXXX North XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX Office XXXXXXXXXXXX XXXX : XXXX XXXX of the Attorney General The State of Florida Department XXXX XXXX XXXX XXXX XXXX XXXX Attorney General By : /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General XXXX Bar No. : XXXX Email : XXXXXXXXXXXX XXXX XXXX XXXX, Consumer Protection Division XXXX XXXX No. : XXXX Email : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General XXXX Bar No. : XXXX Email : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Office of Financial Regulations The State of Florida Division of Consumer Finance By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bar No. : XXXX Email : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX Chief Counsel XXXX XXXX No. : XXXX Email : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Bar No. : XXXX Email : XXXXXXXXXXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Telephone : XXXX
|
| 08/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Currently, my loan is being serviced by Ocwen Loan Servicing ( OLS ) it was transferred from Homecomings Financial Network in XX/XX/XXXX.At the time of the transfer the loan payment break downs were principle and interest payments of {$1600.00} and Taxes and insurance in the amounts of {$430.00}. I was able to make the payments of {$2000.00} with no problem, until after having lost income as a result of my wife and I going through a separation and I became very ill from health complications.I received a trial modification approval from OLS, for my home loan on XXXX XXXX, XXXX, starting XXXX XXXX, XXXX. I proceeded to pay all XXXX trial payments as the agreement had instructed. Shortly after receiving what was to be a permanent loan modification, I quickly identified a number of inconsistences within the recapitalized arrears. In particularly the escrow increases, and the adjusted outstanding principle balance as a result of these changes. My fourth payment was also denied during the grievance or 30 day appeal process. I felt bullied into signing and returning and agreement that was not completely transparent and did not make mathematical sense how my escrow increases could possibly be so severe over the years while my loan was with OLS.During the 30 day modification appeal process, I was refused the opportunity to receive a full explanation as to how my escrow balances were calculated as follows : *INS. IN XX/XX/XXXX THRU XX/XX/XXXX {$3600.00} AND STARTED TO SPIKE FROM THERE. MY INS. POLICY INCREASED IN XX/XX/XXXX TO XX/XX/XXXX TO {$5800.00} ( {$2200.00} INCREASE ) THE FOLLOWING DISBURSEMENTS ( DIS. ) WERE MADE BY OLS : XXXX INS. DIS. - XXXX XXXX, XXXX -- {$5800.00}, XXXX INS. DIS -XX/XX/XXXX -- {$1900.00}, XXXX INS. DIS. XXXX XXXX, XXXX -- {$2100.00} These erratic increases began shortly after my loan was transferred to OLS on XXXX XXXX, XXXX. Furthermore OLS has also failed to show me how my XXXX trial payments were applied to the loan balance after they sent me to foreclosure. A Letter dated XXXX XXXX, XXXX, was received at my residence, rescinding my loan modification offer after making the XXXX trial payments outlined within the agreement. I also received a pre-foreclosure referral letter dated XXXX XXXX, XXXX, which allowed me no time to respond to the cancellation to my loan modification.I called on XXXX XXXX, XXXX, which just so happens to also be the same day that OLS sent me a notice of default. I have also served OLS with a ( QWR ) on XXXX XXXX, XXXX and they have failed to respond within the allotted time per RESPA. I have reason to believe that there is unclear chain of title to my property, and my land records do not match the plot indicated on my Deed of Trust. The land records for my parcel indicates XXXX acres, which means that I would own my land which their home sits on, making it impossible for them to sell their home neighbors ' homes with clear title. My loan may potentially invalid based on the land parcels alone. OLS, has no desire to explain these issues and wish only to foreclose on my home to capitalize on what equity is there, as well as a XXXX grant they received from the hardest hit fund of Tennessee. I 'm seeking your help in the matters within this complaint, surrounding possible insurance fraud, misapplication of payments, dual tracking, and distorted chain of title and or land recordings for my loan. I do not want to lose my home, especially due to corruption with OLS.
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| 05/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Ocwen did not pay hazard insurance for my property when due and the policy was canceled. Ocwen received a request in XXXX 2014 to disburse the annualhazard insurance premium for the property located at XXXX, in XXXX in the amount of {$730.00} and failed to do so. I contacted them onseveral occasions and each time was told that the check would be sent, but it was not. On XXXX XXXX, 2014, I called Ocwen and discussed my escrow and hazardinsurance payment. I also conducted a conference call with Ocwen and XXXX representative XXXX XXXX. After over XXXX minutes on the phone, I wasassured that the check would be sent immediately. It was not. Three months later, on XXXX XXXX, 2014, I contacted Ocwen again regarding the disbursement of thehazard insurance. I hosted another conference call with XXXX XXXX at XXXX. XXXX at Ocwen informed XXXX and me that the check would beexpedited. I requested that my escrow be closed because it was evident that Ocwen was not reliable to pay the hazard insurance. I spent XXXX minutes discussingthe insurance and again Ocwen did not disburse the check. XXXX weeks later, the check still had not been disbursed. On XXXX XXXX, 2014, I called Ocwen again toresolve this issue. Finally, a check was disbursed and received by XXXX. However, the check was for {$730.00} and the new policy was {$930.00}. XXXX atXXXX informed me that her underwriter needed a letter from Ocwen stating that the hazard insurance was not paid due to their actions and not the fault of theborrower. I followed up with Ocwen and left messages for XXXX ( XXXX XXXX and XXXX XXXX ) and XXXX ( XXXX XXXX ) regarding the status of this letter. XXXXand the owner of that XXXX office, XXXX XXXX, both told me that they had not received the letter. I researched other insurance companies to get a moreeconomical rate. On XXXX XXXX, 2014, I decided to work with XXXX. I called Ocwen and communicated the change to XXXX. The price of thepolicy is {$800.00}. XXXX has confirmed receipt of the check, but Ocwen has not closed my escrow nor have they agreed to credit the account {$69.00} annuallyfor the hazard insurance. I had to secure a new policy because of Ocwen 's negligence. They admit receiving the request in XXXX 2014, but did not disburse thefunds until XXXX months later. During this time, I contacted them several times ( spending hours away from my job ) yet, they still did not disburse the funds for thehazard insurance. I also had to spend time researching and selecting a new insurance policy. Ocwen was fully aware of their liability to disburse the check for thehazard insurance and they acknowledge that they received the request. Their actions were deliberate and unacceptable. As a result, they are responsible forpaying {$69.00} towards the hazard insurance. This is the difference between my old policy with XXXX XXXX ( {$730.00} ) and the current policy with XXXX ( {$800.00} ). This is not a courtesy to me, but the cost to Ocwen for their error.
Considering the numerous of complaints and lawsuits against Ocwen for receiving kickbacks on force-placed insurance policies, my experience is another illustration that Ocwen 's practice of not paying hazards insurance is systemic. Ocwen deliberately holds on to the funds so that insurance companies will cancel the policies and Ocwen will be able to benefit from purchasing force-placed insurance. These policies are always much more expensive. Consumers pay more and Ocwen profits.
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| 04/26/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In the year 2000, I made the mistake of signing a predatory loan with XXXX. It had a 10.25 interest rate and although I thought it was a XXXX year mortgage it turned out to be XXXX year mortgage with a balloon payment at the end. The loan was immediately sold to XXXX Loans who eventually sold it to Ocwen. The underwriter is XXXX XXXX. The loan was due XXXX XXXX, 2015. This last year my wife and I tried to refinance the home before the loan matured. It took a long time due to a problem the mortgage company had with the appraiser they hired. By the time the XXXX appraisal happened, we were very close to the loan 's maturity date. Unfortunately that appraisal revealed that our house was worth {$15000.00} less than we owned. The mortgage company pulled out. Working through HUD, we found a program that would help right-size our home, but they needed us to be current on our loan, which had matured by that time. They suggested that I contact Ocwen and ask for an extension. Around the XXXX part of XXXX, I contacted Ocwen and asked for an extension of the balloon so we could apply to the program and then refinance. They sent us paperwork. We filled it out and returned it, and they applied the paperwork to a HAMP application and rejected us because we can afford to make our monthly payments. I asked once again for an extension, and even sent an email to their loss mitigation department. They told me to resubmit the paperwork. A couple of XXXX later, I received a letter showing that they had once again applied our paperwork for the HAMP and once again rejected us for the same reason as before. Feeling frustrated, my wife contacted XXXX. An agent helped me call Ocwen a XXXX time. This time the customer service person admitted that the underwriter did allow extensions. They said they could use the paperwork I had submitted previously to apply for the extension. By this time it was the end of XXXX, and the loan had officially become delinquent. On XXXX XXXX, they told me my application had once again been rejected, but they could not tell me why. Apparently, a letter had been sent out on the XXXX. To this date, I have not yet received the letter in question. However, on XXXX XXXX, I was told that in order to get an extension I needed to have applied before the loan matured. The representative encouraged me to do a short sale, which will still leave me with a financial obligation even though I no longer have the house. To add insult to injury, when I checked my credit rating, I discovered that Ocwen has reported me nine months delinquent instead of three, completely trashing my credit.
This is all very frustrating. We had a plan that would have gotten them all of their money, and allowed us to keep the home. All we needed was a three month extension. Also, if I needed to have applied for an extension before the loan matured, why could n't Ocwen have told me that in the XXXX place instead of stringing me along for three months applying me for programs I did n't ask for or qualify for? It looks as if they never intended to work with me, and were just creating an illusion of trying to help in order to comply with the government 's desire that mortgagers attempt to keep the buyers in the home. Now we are losing our home, and the reported delinquencies will make it very hard to find a good place to rent. In the meantime, Ocwen has sent us a notice that they are starting foreclosure proceedings on XXXX XXXX, 2015.
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| 06/29/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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The office of ocwen ombudsman team party XXXX making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth.
acts contrary to honesty and justice why these document was fabricated and doctored documents.
Representation was made with the intent to induce the recipient to act, or refrain from acting.
Recipient acted or did not act in justifiable reliance on the representation.
Recipient suffered damages as a result.XXXX OF THE OFFICE OF OMBUDSMAN TEAM WITH OCWEN LOAN SERVICING 1. Representation was made of a material fact.
2. Representation was untrue.
3. Party making the representation knew it was untrue.
4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it.
5. Recipient justifiably relied on the representation.
6. By relying on the untrue statement, the recipient suffered damages.
XXXX Misconduct in Other States XXXXXXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well.
Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX PA and at XXXX, XXXX XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to XXXX Several notaries had their licenses revoked and the XXXX XXXX XXXX XXXX adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities.
.Filing of shady assignments.
A false representation was made, usually XXXX of fact.
XXXX XXXX BANK XXXX IS NOT MY LENDER acts contrary to honesty and justice making false statements or AND present false statements BY under the control of ocwen loan serivcers ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. presenting lost note that has been fabricated or doctored documents, these need to be brought under the attention of Economic Crimes Division of the XXXX office FOR investigation.
" " XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well. DEBT COLLECTOR law firms in XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXXXXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to XXXX The firm took signature pages of bank or servicer employees from affidavits and attached them to other affidavits as needed irm being investigated by the XXXX an attorney at the Law Offices of XXXX XXXX XXXX said she handled between XXXX and XXXX XXXX files at any given time.XXXX Further, the attorney testified that it was common practice to sign documents without notaries present, and then to allow notaries to stamp those documents later as if they had been signed in front of a XXXX As with XXXX XXXX rumors circulated that XXXX attorneys signed documents without reviewing them.XXXX After XXXX XXXX stopped referring cases to the firm,XXXX the firm paid {$2.00} XXXX to settle the XXXX investigation, making it the only high volume foreclosure firm XXXX to settle.XXXX The foreclosure mill, Law Firm of XXXX XXXX, has been shut down after the owner, XXXX XXXX, pled guilty to unlawful and unethical practices at his firm.
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| 10/12/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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I have a FHA loan through Ocwen XXXX XXXX. Due to my husband 's poor health, we made a decision to to sell our home and move to XXXX, NM to be closer to health care. We made this decision in XXXX, XXXX. Our home is located in XXXX, NM in a very rural area about XXXX miles from XXXX. Because of the housing crisis in XXXX, the value of our home was less than the mortgage balance. I contacted Ocwen in XXXX, XXXX requesting approval for a short sale and was told that I qualify and to go ahead and list the property with a realtor which I did in XXXX, XXXX. We had XXXX offers between XXXX, XXXX and XXXX, XXXX. All but XXXX buyer ( the last offer ) pullled out because Ocwen took so long to process the offers. The last buyer waited from XXXX, XXXX to XXXX, XXXX, the short sale offer was approved in XXXX, but only approved for 15 days. The buyers lender needed 45 days to process their loan and could not meet the deadline. My realtor relisted our home and then in XXXX, XXXX. I received a letter from Ocwen informing me that FHA would not approve a short sale unless the buyer made an offer for the entire loan amount. During this period from XXXX, XXXX and XXXX, XXXX, I received multiple letters from Ocwen regarding the short sale and progress. After I was informed in XXXX XXXX that the short sale was denied, I applied for a deed in lieu of trust and was approved. It has now been 10 months and the deed in lieu has not been finalized. I signed papers on XXXX XXXX, XXXX to hand the property over to Ocwen. They secured the property the end lf XXXX, XXXX. I have been told they needed another title search, then again informed they needed another XXXX today, I have been told the inspection was done, then another inspection was needed to satisfy FHA. To top things off, the XXXX who was sent to the property to make repairs turned off the well On XXXX XXXX, XXXX. As I had informed Ocwen in the past, the well is located on our property and is a well share between our home and our XXXX neighbors. I offered to send Ocwen the well agreement and was informed they did not need it. When the well was turned off on XXXX XXXX, our neighbors did not have water and they turned it back on. The XXXX disconnected the water line to the hot water heater and my house flooded when the well was turned back on. I was informed by my neighbor today. I contacted Ocwen letting them know what happened and that they can not turn off the well because ot is a well share. This afternoon, my neighbor contacted me to inform me that the XXXX turned off the well again. The well has been turned back on. Ocwen can not turn off the well. My neighbors have legal rights to the well. Ocwen does not seem to understand this. I was mislead for over 2 years that I could sale my home as a short sale. My realtor wasted 2 years of his time. It has now been 10 months since the deed in lieu process for a total of 3 years. I have kept all my appointments with my relationship XXXX during the past 3 years. Ocwen has mis-reported missed payments to the credit departments, as of XXXX, XXXX, my credit report is showing XXXX missed payments and it is actually XXXX. We moved to XXXX in XXXX, XXXX. Ocwen was aware of this and not once was I informed that I should stay in the house which apparently was a problem with FHA. I am devastated about this whole process. I should have been informed in XXXX, XXXX that I did not qualify for a short sale, not 2 years later.
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| 08/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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This is an issue my mom and I are having with Ocwen Loan Servicing. The mortgage is in my mom 's name, but I sometimes made payments from my bank account. In XXXX 2016, Ocwen Loan Servicing reported to XXXX that they did n't receive payments for XXXX, XXXX, XXXX. Our loan was transferred from Ocwen to XXXX in XXXX. XXXX paid Ocwen, which made the account 3 months behind. A week after this, we were notified and advised XXXX that the info Ocwen provided was incorrect. We supplied bank statements, a letter from the bank, a detailed/revolving bank statement, and ACH Transaction statements. Our bank has said that this is all the information they have. Every time we provide Ocwen with the documents they request, they come back and ask for more. First they asked for bank statements for 3 months of the payments - we provided. Then they asked for bank statements until the current time to show the payments were n't reversed - we provided. They asked for a letter from the bank - we provided. They asked for the ACH detail - we provided. They asked for a revolving bank statement - we provided. We have been told by Ocwen several times that " this is the last document they need '' and that they expect to have a resolution soon. Every time I have to contact the bank, they say they have never heard of anything like this. This has been going on for 3 months now. We have provided everything they have asked for but they keep saying they are investigating it. It 's not our fault Ocwen ca n't find the payments. I made other payments to Ocwen through their website/payment system with no issue. It 's not our fault they ca n't find the payments and we should n't be punished by having the mortgage showing 3 months behind. We have asked that the money be given back to XXXX to make the account current. Twice our bank has suggested that we submit a complaint with CFPB. We were hoping to wait until we got the funds back, but since it does n't seem like that is going to happen any time soon, we decided that now we should submit a complaint. We made the payments and do n't feel that it 's fair, or legal, that Ocwen was able to go to XXXX XXXX9 months after the payments were made and claim they did n't receive them! We are getting calls and letters from XXXX almost daily because of this. Before this happened, we had set up a mortgage accelerator to try and get it paid off faster! Because of this mess up on Ocwen 's end, my mom has had to take out money from my dad 's life insurance policy. I wish he had taken out enough to cover the full cost of the mortgage, but unfortunately we do n't have enough to pay it off completely. I feel like we are just jumping through hoop after hoop for Ocwen and they are just playing games. {$2000.00} might not a lot to them, but it is a lot of money for us! There are also late fees on the current mortgage because of this. An Ocwen representative told my mom this has happened before and Ocwen or Ocwen 's bank had directed the money to an incorrect account. After speaking with a representative from our bank today, I feel like this is really our only option. I really do n't understand how it is legal to say payments were n't received over 6 months later and when the account is showing current on their website! I also do n't understand how keep playing these games! We have provided more than enough information! It 's not our fault that they ca n't find it on their end! Please help us!
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| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought a house in XXXX Florida, the closing date was XX/XX/2022, in the closing we established no escrows, therefore, I bought the homeowners insurance and the Flood Insurance for one year in advance as is required by the law, this way my responsibility with the ( bank/lender ) will be only the monthly payments for the principal and the interest. On XX/XX/XXXX, I received a welcome letter from PHH Mortgage stating The transfer of servicing does not affect any term or condition of the mortgage account other than terms directly related to the servicing of the mortgage account. I also received a letter from the original lender XXXX XXXX Mortgage stating they sold my loan but the terms and conditions will remain the same, nothing will change.
On XXXX XX/XX/2022 I received a letter from XXXX XXXX stating that my mortgage loan was sold to them on XX/XX/XXXX and specifying that the sale of my mortgage loan does not affect any term, payment, or condition of the mortgage, deed of trust, or note and that the servicer is PHH Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX. ( XXXX ) XXXX.
On XX/XX/XXXX I made my first payment, then I received an annual escrow statement explaining that the monthly payment will increase in XXXX due to a shortage of {$320.00} on my escrow, which will be split in 36 months and {$9.00} will be automatically added to my monthly payment plus an escrow deposit of {$82.00}. The same day I called customer service at XXXX, I requested an explanation about the escrows and I was transferred to the insurance department, I explained that I already paid my flood insurance and they have a copy of my policy, they confirmed the information and transferred me to the escrow department, they told me that the customer service department needed to submit a request for the escrow to be removed from my account, I was transferred to Customer service again and they told me will submit the request and that within ten days I will receive a letter by mail. Effectively on XXXX received another statement reflecting principal, interest, plus {$91.00} for escrow due on XX/XX/2022. At the end the total amount they want to collect is the exact amount I already paid for the Flood Insurance, {$980.00}. I called immediately, customer services transferred me to the escrow department, and I requested to speak to a supervisor or manager, I was transferred to the escalation department and I spoke with XXXX, he told me that they have an internal policy when the account is new they have to collect escrows until the account gets maturity, I said my loan was sold to you, I did not choose you, I did not sign any agreement with you, you can not charge me escrow for flood insurance when my policy is already paid for one year, I chose no escrows on the closing documents that I signed, the terms and conditions in my loan does not change from bank to bank, If you have that internal policy you should review the terms on the loan before to buy it, he told me if I dont pay the statement in full I will incur in late fees, and they will report me to the credit bureau XXXX he said they confirmed with the national flood insurance that they are entitled to collect escrow for flood insurance, I said, but I already paid for it, is not fair that you want to charge me for the flood insurance when is already paid and you have proof. He said that I can submit a dispute, but still, I have to pay the entire statement.
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| 09/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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My XXXX XXXX hours were recently reduced and in order to avoid being in default on our loan I reached out to XXXX Mortgage to get on a temporary forbearance plan. I let them know in my application that this was for the sole purpose of NOT becoming XXXX on our mortgage and/or becoming default.
We applied for the forbearance in XXXX. I sent several emails asking for updates with no response.
On XX/XX/XXXX we finally received a letter stating that we were approved. I had not made XXXX payment yet as I was expecting and answer this month. Once we received the letter, I logged into my account to see the changes. It reflected the reduce amount was due on XXXX but I had to call in any payments. Fine.
On XXXX I called in to make a payment and the automated system stated that I owed the reduced amount and I needed to pay by XXXX. It made no mention of XXXX 's mortgage being due or unpaid. I took this to mean it was rolled into the plan somehow. I paid the amount it asked for ( a week and half early ).
On XX/XX/XXXX I received a notification from XXXX that my credit score was XXXX XXXX XXXXXXXX points due to a " missed payment ''. I look into the alert, and it said the XXXX had marked my account as XXXXXXXX XXXX past due and delinquent.
I immediately went online and again, and there was the number again to call. I called and suddenly now the automated system said I had a past due amount of XXXX for XXXX. I was shocked that this was not ever mentioned before, as again the entire purpose of going on this plan was to avoid a delinquent account and the hit to my credit score. I made a plan to make up this payment and got some funds together to take care of it.
On XX/XX/XXXX I had the funds ready and called to clear up the XXXX payment. This time, the automated system said nothing about XXXX and said I only owe the following months payment at the reduced amount. What in world is going on here? I asked to be transferred to a person and I explained my situation. She said there was nothing I could do and wouldn't let me clear up my XXXX payment. I said I can not have a XXXX hit to my XXXX XXXX for the next XXXX months, that would catastrophic, please let me pay my XXXX payment. She said again, they are not able to take my money... what?! She said I could schedule a call my XXXX XXXXXXXX, but they will just say the same thing and their booked-out XXXX XXXX
I asked to have the situation escalated, she said she would put in a request for a supervisor to call me and they had XXXXXXXX XXXX to get back to me. Well, it's been over XXXX XXXX and no phone call, nothing. I have an appointment with my case XXXX in XXXX weeks, but in the meantime there's this looming missed payment from XXXX that I would love to give them money for, but they won't take it. Now I have to endure another hit to my credit that I don't feel is justified. I feel I was deceived by XXXX and at the minimum, their automated system was faulty. It clearly would've let me pay the XXXX amount AFTER the XXXX was in place because it said just that on XX/XX/XXXX.
I'm a consumer trying to do the right thing and because of errors on their part, I'm being punished specifically as it related to my credit that will stick with me for the next XXXX XXXX. My credit prior to this was mid XXXX 's and I pride myself on making ALL my payments with all my creditors on time. I have not missed a mortgage payment to date and now this.
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| 04/28/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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I still do n't understand what is going on with the payments I made to XXXX XXXX on my duplex at XXXX XXXX. The IRS form XXXX XXXX showed a balance of {$53000.00} and a market value of {$62000.00} when they foreclosed. I believe they were servicing a XXXX mortgage to which I had paid {$130000.00}. They sold my property for the XXXX remaining payments and their attorneys stated the value at the tax value of {$78000.00}. ( XXXX XXXX thought it was worth {$150000.00} ). The loan was current in XXXX when the returned 3 of my payments ( the last payment was accepted in XXXX and applied as the XXXX payment. We were offered at loan modification with a payment nearly double of the original amount. Our request for a modification extending the remaining months was denied 22 hours prior to the foreclosure. The application amount and three additional payments were also returned.
The taxes and insurance were paid to date with {$600.00} insurance refunded to them.
I HAD A CREDIT BALANCE.
With the sale I paid {$190000.00} to this property.
Furthermore the note required payments of {$360.00}.
Through the foreclosure date I paid to XXXX XXXX {$62000.00}.
{$32000.00} taxes and insurance paid over the life of the loan was added to the loan modification on my HOUSE. I want to know WHY!
This amount also happens to be the exact amount of the XXXX payoff less the beginning escrow balance on XXXX properties. I made separate payments on the other property to XXXX.
XXXX only acknowledges payments of {$15000.00} when in fact I paid them over {$130000.00} Between the XXXX properties on which XXXX XXXX was paying taxes and insurance I paid {$260000.00}.
PLUS {$62000.00} sale AND the buyers XXXX mortgage of {$91000.00} was paid off at the same time XXXX XXXX XXXX released XXXX mortgage XXXX of which was released TWO times. In fact of XXXX mortgages released in XXXX XXXX XXXX were released for the second time. And at which time we had paid {$92.00} to the loan modification - on our house Apparently we paid {$220000.00} and a duplex for what would be 30 years of taxes and insurance on these XXXX properties.
{$220000.00} + XXXX {$35000.00} XXXX release and {$14000.00} I paid to XXXX + {$15000.00} they say I paid and {$130000.00} I REALLY paid comes to {$360000.00}. with miscellaneous adjustments for payments to shortages it comes to {$350000.00}.
XXXX XXXX {$360.00} x 92 payments at foreclosure is {$33000.00}.
I paid {$62000.00} ( not counting {$69000.00} previously paid ).
Means {$29000.00} was paid to the escrow account {$12000.00} disbursed. With the {$61000.00} sale + {$16000.00} escrow - {$53000.00} balance WHERE IS THE OTHER {$23000.00}?
Foreclosure {$61000.00} pays off XXXX.+ {$30000.00}. + {$30000.00} to XXXX {$5700.00} to XXXX {$66000.00} + XXXX. + {$5400.00} ( paid to escrow in first trial ) WHAT IS GOING ON?
{$130000.00} to duplex {$140000.00} to VA {$510000.00} to house ( {$840000.00} my estimate of total payments ) + duplex value and lost income I do n't owe {$270000.00} statement balance.
They owe me more.
{$560000.00} from XXXX I believe they OWE me {$280000.00} They should pay the {$150000.00} extra I paid for the duplex They should refund at least {$30000.00} to the VA loan I did n't add or refinance.
I PAID IT OFF!
reinstate {$120000.00} prepaid credit.
Extinguish {$230000.00} escrow I do n't owe.
Release lien.
Release the lien on my house.
I deserve more.
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| 07/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as every time i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX XXXXike whose the holder of my mortgage notes. i have emails and documentations of all my dealings with Ocwen and will be happy to send it should you need all the details. it is quite long as alot of time has lapsed. i am prepared to send it should you need more info. Its unfair that these companies are allowed to get away with all this and its my hard earned work that i own my places.
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| 08/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I ca n't respond to a complaint we filed previously. I am updating on a response we were sent regarding the " property inspection '' fees. In a letter we received via email we were told that there was not a property inspection done sinceXX/XX/XXXX and only one since XX/XX/XXXX. However, in looking at our latest statement there had been a " property inspector '' at our home on the following dates. ( See statement ) XX/XX/XXXX charged twice.Another mention on the statement inXX/XX/XXXX. All submitting. That is 3. I do n't understand. Has there been 3 property inspections since XXXX? I make a payment every month, late or not. My bank check that is sent for this mortgage comes from my address where we live. It is already verified that we live here and I can verify more if needed. Why am I charged for 3 but yet told there was n't only one?
Also, when I went to pay myXX/XX/XXXX mortgage payment, it was current because VA had just helped us catch up due tot he fact of my mother in laws passing and us falling behind due to taking care of her debts. VA had paid on XX/XX/XXXX. Ocwen was aware they were going to pay this bill and the set payment by Ocwen at that time was {$1200.00}. Even though they had communicated with the VA and us regarding that there was going to be a payment made to bring us current in the following weeks, there was still extra charges put on without notifying the VA or us of an additional fee of property inspection/late fee. They were asked by us to remove the fee and they will not.
I contacted them afterXX/XX/XXXX and let them know I will make myXX/XX/XXXX payment after they adjust my fees of property inspection and late fees.
I also want it noted that I have asked continually to stop having property inspections without notifying me first, because of us notifying them at least once a month of our intentions. They also send letters to us at least once a week. I am unclear of why so many letters when they seem to think we do not live here. Why would we live somewhere else and keep paying on our home? Why are there continual letters and continual property inspections when I have asked for this to stop?
One letter a month, if we are late is enough. We received numerous letters every month and in respect for wasteful paper, and borderline harassment toward me, a XXXX veteran and my wife, my documented XXXX XXXX XXXX spouse, I would kindly ask them to either send me one letter or a simple email will due.
I am making a mortgage payment this week. I want it noted that nothing was adjusted and the misunderstanding of these fees. Why is my statement saying there have been 3 property inspections charged and fees yet an email saying there has not sinceXX/XX/XXXX. I would kindly ask that no more inspections be charged or done without notifying me first so I can send you proof that we still live here.I also have told Ocwen numerous times of the " property inspector '' dropping in on us and frightening my family. If they would find another means to see if we still live here, we would oblige instead of these unannounced times or in this case, statements saying they did 2 but their email stating they have not.
Also, when we submit monthly payments, you can verify through my bank of my property address. This is the update. I would like the fees removed or explain why I am being charged for 3 property inspections onXX/XX/XXXX and 2 onXX/XX/XXXX. Thank you.
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| 04/19/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American, Servicemember |
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I am writing to see if there would be anyway that you can help with my mortgage company. The mortgage company ( Ocwen ) that has our loan is trying to collect a little over {$57000.00}. The Principal is a little over {$39000.00}. But Ocwen has what they call a recapture clause of a little over {$17000.00}. I will tell you the best way that I can explain. In XX/XX/XXXX I bought a house in the amount of $ 55,000.The XXXX mortgage company wasXXXX and XXXX and XXXX housing development ( HUD ). We were in a program called a XXXX program In the year XXXX my husband got hurt on his job. This accident almost took his life. XXXXThe accident made it very hard to make ends meet. In the year XXXX we defaulted on our loan. This is when ( HUD ) took over our loan. Our mortgage note was lowered to only one hundred dollars a month. We were told by ( HUD ) that there was n't anything to worry about. In the year XXXX our payments went back to {$220.00} ( HUD ) kept our mortgage for a long time.We were making all our payments on time. Then ( HUD XXXX sold our mortgage to Litton Loan Servicing. At XXXX time or another we were told by Litton Loan Servicing that we owe {$130000.00} for a house that we bought for {$55000.00}. We are lock in a interest rate of 12.50 %. Litton Loan Servicing sold our loan to Ocwen Loan Servicing. This took place in the year of XXXX. Ocwen had our loan for a short time. I was told by Ocwen Loan Servicing that our mortgage was paid off. I had called Ocwen and asked all kinds of questions because Ocwen Loan Servicing was sending our mortgage note back to us. Ocwen had no idea of what had happened. I was told by Ocwen to call ( HUD ) to see if ( HUD ) had any answers. I was told by ( HUD ) that they did n't have any idea of what was going on. I was also told by ( HUD ) to send all copies of my papers of what I had to the ( HUD ) office in XXXX That is what I done. I made all kinds of copies and sent them to the office of ( HUD ) in XXXX.I tried to explain that I am a honest person, and I did not pay off our mortgage. I was trying to get help with that big amount. I wrote letters to XXXX XXXX. I even talk to XXXX XXXX on the telephone at his office and his house. So I thought that XXXX XXXX was reaching out to help me. He said that he would. I tried to call XXXX XXXX to see if he had done something to get this mortgage off of our back. I could never reach him .Next thing I got a letter saying that Litton loan servicing will be handling our mortgage. We started paying our mortgage note to Litton in the amount of {$560.00}. But decided to start paying {$6000.00} a month.In the year XXXX Ocwen got our mortgage again. We started paying Ocwen {$600.00} a month. We tried to see if there were any kind of programs that could help us. We were told about a modification loan or program. What ever it was called. But we did not qualify for that neither. Now our mortgage is thirty years old. We ca n't get any help. I was told by Ocwen that I needed to get the money before XXXX XXXX XXXX. This Recapture clause in the amount {$17.00} XXXX and something is the problem. Why ca n't they forgive the recapture clause. Was told that the recapture clause is unpaid interest. I have been paying interest on this mortgage since I got this mortgage 30 years now. I am lock in a interest rate of 12.50 % for 30 years. Ocwen Loan Servicing This is customer care number XXXX. WWW.OCWEN.COM.
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| 07/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes.
i have emails and documentations of all my dealings with Ocwen and will be happy to send it should you need all the details. it is quite long as alot of time has lapsed. i am prepared to send it should you need more info. Its unfair that these companies are allowed to get away with all this and its my hard earned work that i own my places.
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| 03/06/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
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In XXXX, Ocwen reported this acct as current, with no payments made in XXXX, XXXX, and XXXX, with a notation " Natural Disaster ''. I was notified of the change in my credit report by XXXX. I immediately filed an online dispute with XXXX that the information was incorrect and that I believed under the FCRA that they could not report derogatory or any account information after seven years and approximately 180 days from the date of default. The default date was XX/XX/XXXX, there have been no payments since that date and this did come off my credit report, I believe in XX/XX/XXXX. Ocwen disputed my claim and " verified their information to XXXX '', they then reported my account as delinquent 120 days since XXXX and that is what the credit report shows. I filed another dispute with XX/XX/XXXX, and I contacted Ocwen directly. I received multiple stories from Ocwen, first they said they got the account from the original servicer in XXXX so they could report no payments for seven years from that date. I told them that FCRA address 's subsequent service collections and it still goes back to the original date of default. Again XXXX believed Ocwen, declined my dispute, only now it was updated showing a payment in XX/XX/XXXX, now making the account stay on my credit till sometime in XXXX. There absolutely was no payment on this account. I called Ocwen to dispute the new information and was told a payment was made in XX/XX/XXXX, I asked what the amount was and for proof of that payment, they answered that the amount was {$0.00}, yes XXXX, and that the investor on the loan did it. I have filed another dispute in writing to Ocwen and XXXX. Ocwen did push it up to an Ombudsman, that conversation did not go well and they wanted me to send a copy of the FCRA because they never heard of it. I did include the exact Numbers for the FCRA, 15 U.S.C. 1681c, where they could see the entire act. As of XX/XX/XXXX now, XXXX, XXXX, and XXXX are all reporting this account and delinquency back to XXXX.
The Florida office of Financial Regulation, directed me to this site, and I am filing a complaint here, I have filed a written complaint with XXXX, Florida office of Financial Regulation, and with the Ocwen Ombudsman. I will upload copies of those complaints and the last letter I have received from Ocwen dated XX/XX/XXXX, and it showed the loan as delinquent XXXX, approximately 6.5 years which at least supports my claim that the default date was XX/XX/XXXX, I have updated my mailing address with Ocwen when I closed the XXXX XXXX , last year. I actually have another loan with Ocwen which is and has been current, they do not even and have never reported that to the Credit bureaus. Ocwen is a bully that specializes in giving people the run around. They have no intention of doing the right thing and they seem to enjoy causing harm and grief. This has devastated my credit which I have worked to correct and prior to this my credit was all on-time payments except for one 30 day past due back in XXXX, which I don't even remember why or what happened. We tried to work out a loan modification with Ocwen and they only offered trial periods, my Attorney could not get them to agree to a permanent loan mod, so he was concerned if I made trial payments it would start the clock again on this debt, for a temporary or trial period was to much risk for me. Thank you so much for your help and consideration.
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| 05/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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A Plea for Help This letter is being written as a plea for help. In XX/XX/XXXX I was laid off from my employment and was jobless for approximately 9 months. Subsequently bills fell behind. In addition, I was sued ( Case Number : XXXX ) by my Home Owners Association ( HOA ) XXXX XXXX XXXX XXXX XXXX XXXX , and, unbeknownst to me, and because I was confused about the process and missed the court date, the property fell into foreclosure and the HOA was able to win the case and foreclose on my home. I am now renting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Florida XXXX who now holds a Certificate of Title to the property. Upon possession of the property, this owner threatened to evict me and I had to come up with almost {$2000.00} just to stay in the property. This is an unprecedented process that is on the rise and people are losing their homes for pennies. I am unable to pay the mortgage payment, plus another $ XXXX per month to live in this home. I reached out to you in XX/XX/XXXX , b efore the foreclosure occurred, asking you to pay the HOA and add that amount to my mortgage and I received no response. History of the Foreclosure Process When I was served notice about the hearing regarding the past due HOA fees, the notification was served to my child and I was not home and my son was being harassed regarding his relationship to me. That was done in a very unprofessional manner. Regarding the property value has deteriorated and gone done tremendously since I purchased the home in XX/XX/XXXX . There had been break-ins and burglaries on the rise since I have lived here. There is no security. I had to increase my cost on my alarm system just to feel safe. The added expense is also another reason why I had fallen behind on my HOA fees. This development appears to have more renters than homeowners and it shows through-out the development. The properties are not maintained and kept well due to the renters not being responsible for the homes they are renting. Yards are not being properly cut in a timely manner, causing overgrown weeds, snakes and other dangerous predators, and the kids in the neighborhood throw trash as they are walking throughout the neighborhood. Due to the irresponsible renters, this has caused a significant change in the value of my home. It is impossible for me to sell the property, or put it on the market at a decent price. I did not think it was fair to pay an HOA fee when they were and still are not maintaining anything within the development that I have seen. The prior president left and had taken thousands of dollars and I, nor other homeowners should be penalized under those circumstances. The HOA never contacted me and asked why I was not paying the fees, nor did they appear to care, which is a concern. I had spoken to some of the neighbors within the development, and they were also past due on their fees and were not willing to pay, based on many of the facts listed in this letter. In a court document I requested to have the HOA please contact me directly on my cell phone in order to come to an agreement on what was owed, minus attorneys fees, interest, collection costs, costs incurred and any other additional cost. The claim of lien shows XXXX . The fees started back in XX/XX/XXXX , which I did not agree upon.
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| 03/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Ocwen refuses to help people still. My husband has repeatedly tried to switch our mortgage payment to the back of the month. Instead Ocwen has refused continuously and without fail to accrue over {$2700.00} of late payments. They are horrendous work with, all calls go to XXXX and in XX/XX/XXXX took money out of the wrong bank account, leaving us with a default, and our mortgage not paid that month. This was the one time my husband paid via a real human at Ocwen, instead of the automated phone pay. We were sent an intent to foreclose on XXXX/XXXX/16 certified mail after missing only one payment and the added {$2700.00} of late fees they assessed. This included the overdraft charges that Ocwen accrueddue to this, adding {$93.00} to a late payment of XXXX, costing me another {$160.00}. They have no scruples, ethics, or morals. I took a pension loan and was able to cure the default in XXXX payments before the XXXX XXXX deadline given in the Intent to Foreclose document, & for this they added another {$73.00} of late fees to my account. I called on XXXX/XXXX/16 and asked to be switched to the XXXX. I was switched to XXXX ID # XXXX. I explained to her how I cured the default as I did not want to lose my home, and was calling now about the late fees of {$2700.00} that had been levied against us. My husband is self employed and I myself only get paid twice a month on the XXXX and XXXX. We have been unable due to this to pay before the XXXX, being assessed a late fee each time. Our mortgage payment is larger than one of my bimonthly checks, so it has been a real struggle. The economic downturn has effected my husband 's business of construction. He recently got a job in XXXX XXXX with another company and is doing well now but it has been very difficult for us. We did not want to do a Loan Modification as we knew this would greatly effect our credit and our ability to refinance with another company.XXXX was very helpful and patient with me. It is not her, it is Ocwen that is the problem. She put me on hold several times to try and see if something could be done about the late fees assessed but was unable to do anything. I believe she did try on her own. I needed to even know where to send the late fees since the automated system does not tell you. XXXX tried to navigate that, and said she would put a flag on our account that notifies representatives that any additional money sent in goes towards the fees ( late ) not the principal. At the end of the call she gave me the address of the Research Dept that I could send a letter to explaining my situation and asking for late fees to be reduced.
I appreciate XXXX she was leaps and bounds above speaking to a rep in XXXX, however, my situation has not been remedied. Ocwen has a terrible track record, the CEO has been forced to step down, all kinds of illegal activity. They refuse to work with consumers really. They want to force you into Forceclosure..1 missed payment that they caused by taking the money out of the wrong account! They send me a letter to Foreclose for this? They add late fees over and over ... They refuse to help mankind. What has really changed at Ocwen? A new CEO? We need real help for consumers. Where was our Bail Out?
At the end of the day, I want Ocwen to work with me and to greatly reduce the late fees they assessed XXXX hard working adults, that are just trying to survive.
Hardworking in NJ
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| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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Ocwen Loan Servicing , LLC . ( OCWEN ) took over my loan from XXXX XXXX, XXXX. OCWEN told me that my last payment was make on XXXX XXXX, XXXX in the amount of {$1200.00} and my next payment is due on XXXX XXXX, XXXX and the amount is {$9500.00}. My last payment is made on XXXX XXXX, XXXX and more payment was made before the year XXXX. OCWEN gave me the incorrect amount the bank say that I own them, the total payment OCWEN did not add to my account is {$45000.00}. Base on this dispute and the servicer to prepare the loan modification for me said that they did submit the loan modification on XXXX XXXX, XXXX. The peoble help me did call in to check the status for my loan modification on XXXX XXXX, XXXX, she talked to XXXX XXXX ID XXXX, he said that they do not have my loan modification on their system. He request me to re mail or email or fax and I am at work righ now to try make money to save my house, I am so confuse the way OCWEN treated as their customer. She call in today to request the correction for my loan amount and talk to XXXX XXXX, OCWEN refuse to help and request to write them a letter with all evidence, I have to go back to the bank with an account made payments to XXXX XXXX XXXX back then to request these cancle checks back in XXXX, XXXX and XXXX, I do n't know how long does it take to get these evidence back to them.
Attached : Important Message about your loan from XXXX XXXX XXXX XXXX XXXX date XXXX/XXXX/XXXX Home loan payment due XXXX/XXXX/XXXX is {$8800.00} and the IMPORTANT MESSAGE ABOUT YOUR LOAN Enclosed is and escrow analysis for your loan. The purpose of this notification is to advise you that the escrow portion of your payment is changing to {$1200.00} effective XXXX XXXX, XXXX. ( Exhibit A ) The original payment is {$7500.00} how my next payment is due on XXXX XXXX, XXXX ( this information is incorrect ) with the amount {$9500.00}??
I submitted the loan modification and they do not have it in their system for over 10 days and their calculation is in correct for the amount that I own them. I am so sad and do not know what to do to keep my house because OCWEN does not want to help me.
" The subprime debacle, which I would define as loans that should n't have been made and packaged that originated between XXXX and XXXX, was probably the biggest Ponzi scheme in thehistory of mankind. '' XXXX XXXX XXXX, XXXX, opening speaker, " The Subprime Mortgage Fallout, '' XXXX XXXX of California XXXX Annual Real Property Law Section Retreat, XXXX XXXX, XXXX. XXXX the subprime meltdown, banks abandoned traditional underwriting practices and caused a frenzy of real estate speculation by issning predatory loans that ultimately lowered property values in the United States by 30-50 %. Banks reaped an unprecedented harvest. XXXX XXXX, XXXX of XXXX XXXX, took home more than {$100.00} XXXX during the seven years.Banks issued millions of predatory loans knowing that the borrowers would default and lose their homes, and then committed perjury and fraud to fabricate documents in the foreclosure process.
As a direct, foreseeable, proximate result, XXXX XXXX families are now in danger of foreclosure, and i am facing illegal foreclosure of my home at a Trustee 's Sale scheduled for XXXX XXXX, XXXX.
1n responding to the foreclosure crisis in California, the City and County of XXXX XXXX 's Office of The Assessor-Recorder of XXXX XXXX had retained XXXX
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| 12/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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In XX/XX/XXXX I took out a loan for a very small 1 bedroom home the loan was with XXXX XXXX. Everything was going great my loan was going down I paid on time every month. In this loan the insurance was already included as well as the taxes. In XXXX XXXX went bankrupt my loan was sold to XXXX and that when the nightmare began they was charges constantly added my account and the starting charging for flood insurance I repeated told them to remove these extra charges there also late fees extra and my payments were on time. There payments I made not applied extra. We called and called nothing was removed and no one spoke clear English. XXXX the loan was sold off to Ocwen the problem got worse they now said I owned {$13000.00} on 15 year loan I been paying on since XXXX. Property preservation charges they never came out there Did anything. Then XXXX they said my loan was done which should been and sent modification papers. I asked see all my documents that they had reguardinf payments. Attached to this was payment schedule OCWEN now had my home loan for XXXX draw out into 30 years in showed from day one in XXXX - XXXX. With homecoming my loan was going down in XXXX. But with this that they made up it had I been paying 15 years and I still owed XXXX as of XX/XX/XXXX. I tried everything get them to clear the problem. Then this summer they sent a court hearing to for close from a company named XXXX XXXX they now had my loan and attorney named XXXX XXXX XXXX. The papers were sent to my old address of XXXX XXXX XXXX I never got them to go to the hearing then in XX/XX/XXXX. A sheriff found my home by talking to my old neighbors and serviced them to me. There was two hearings that I never attended because I didnt know about them. I called the court house they told me call the attorney and company. I tried and tried and u call and they both say they are debt collectors. The amount now that they have there seeking including false charges of mowing the grass and taking care of them. Came too {$19000.00}. Yesterday we received yet another paper saying the foreclose date and another {$6000.00} added on for even more charges. I cant afford an attorney but clearing fraud and I have had these people and there getting away with. They have written in this foreclosure I never made any attempts to ever pay my mortgage. Are u kidding my total with taxes and insurance I have paid {$40000.00} in 15 years. This fraud what they done to me and ruined my credit ... please help me .Also if look at the documents I am going to upload on the paper that is not my signature its the person filling out the paper. Also and of course there is no name of XXXX, XXXX, Ocwen it looks as though I never made any payments ever. If that case they should foreclosure a long time ago. This isnt right that they are able do this to people. They send papers too that said your payment now {$230.00} and then go up again ... I dont know but I do know this there something that clearly happen to me that should have. If you look at documents I attached you will see how late fees on me when I paid on time sometimes two payments a month ... I included to show a print out I sent them at the time this was from XX/XX/XXXX through XX/XX/XXXX. Please help me if you need anymore papers please contact me. Also have what they charge us and send by certified mail things try and make me modify my mortgage with them ...
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| 08/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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Original loan date is XX/XX/XXXX, we have been with Ocwen since XX/XX/XXXX, prior to them we had XXXX. They are constantly charging fees of unknown origin, late fees, atty fees, foreclosure fees on foreclosures that never happened. At this time i'm not even sure how much we actually owe or even what our house payment really is. I will begin with the latest thing that has come up and we can go from there. In XX/XX/XXXX, i received and submitted a application for modification, in XX/XX/XXXX we began to pay XXXX the 3 month trial period. I received a modification agreement stating the amount of XXXX was our payment. I have attached that modification also showing a balance of {$94000.00} and a balloon payment of {$78000.00} after 30 years. We discussed this with our Bankruptcy attorney and i again contacted the Relationship manager asking that if they could submit another modification. After that the relationship manager scheduled several appointments and they were not kept, on the appointment date, i received a call stating that she was busy and we need to reschedule, this happened several times from XX/XX/XXXX to XX/XX/XXXX at which time a Motion to Lift Stay was filed with the Trustee. We were in Chapter XXXX bankruptcy since XX/XX/XXXX and on or about XX/XX/XXXX Ocwen filed a Motion to lift Stay stating that we had paid our mortgage since XX/XX/XXXX. We had continuously paid our mortgage and am attaching e-mails from them showing payment was received. i contacted Ocwen on XX/XX/XXXX to speak to a relationship manager about a modification, i was told there was a permission to speak letter on file, and set an appointment, on the appointment date of XX/XX/XXXX, i did not receive a call, but did call them and was told that a permission to speak letter was not on file, my attorney e-mailed it to them on XX/XX/XXXX, i reached out to them again around XX/XX/XXXX and was told that it would take 10 days for them to receive and i should check again in 10 days. i called again on XX/XX/XXXX they stated they had not received it. Again i contacted the attorney and asked that i give a little more time, so i contacted them on XX/XX/XXXX and they still stated they had not received it, he submitted it again on XX/XX/XXXX, they still stated they did not receive it, he again sent it on XX/XX/XXXX and they acknowledged receipt of it on XX/XX/XXXX. was also told that a modification packet was sent out on XX/XX/XXXX, which i later was told by another Relationship manager that it was not sent out. they finally sent it to me on or about XX/XX/XXXX. Two days later they filed the Foreclosure on XX/XX/XXXX and set it to auction on XX/XX/XXXX. I submitted the modification form on XX/XX/XXXX, via e-mail and confirmed via telephone that they had received it, they stated that it would take up to 30 days to review. I explained to her that we didn't have 30 days to wait as it was already on the foreclosure auction list. She stated that it was suspended at this time until the modification is approved.
At this point we feel that we do not owe the XXXX in arrearages they are claiming from XX/XX/XXXX to present. We requested a payment log from them, received it, but as a lay person, we can not make heads or tails out of it. Please help us with this as we do not want to lose our home of 17 years. This has been going on for Years with them and we just want to know what we REALLY owe.
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| 05/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX XXXX , and I am the rightful heir and owner of the property located at XXXX XXXX XXXX XXXX in XXXX , NY. My now deceased husband and I are victims of mortgage fraud, and I have been trying to fix this problem for several years with little progress made. I am led to believe that the current servicer of this loan is Ocwen a nd the investor is XXXX XXXX . It has been difficult to communicate w ith Ocwen to determine the nex t steps and we are trying to get some type of escalated response to get information and fix this problem. The current mortgage loan on the property is in the name of XXXX XXXX . She was duped into serving as a straw buyer a few years ago after a mortgage frauds ter ( now conv icted and in jail ) had tricked us into deeding our home to him. After the fraud was revealed XXXX XXXX contacted us and wanted to fix the situation and deeded the home back into our name. The ban k ( AHMSI at the time ) took us to court to try and foreclose, but the judge ruled that due to the mortgage fraud that this was not a legitimate loan and that the foreclosure would not be allowed to move forward. ( I have included this paperwork ). After that happened AHMSI ( loan # XXXX ) who was the lender at the time offered a loan modification to us in the name of XXXX XXXX . We began making the payments for the loan modification but then AHMSI was sold to Homeward Residential, and then it became a part of Ocwen. We got lost in the shuffle and did not know who to talk to, where to send the payments and the agreement ended up getting cancelled. Since that time we have been in limbo trying to resolve this matter but dont know where to turn. I am the rightful heir and owner of the property and occupy the home along with my XXXX children. I also rent out a portion of the property to a family in order to increase the household income. Between my salary as a XXXX XXXX and the rent I make a good living and can definitely afford a fair and reasonable mortgage payment. The issue is that I cant make any progress with Ocwen and cant ge t any information about this mortgage loan, even though I have enlisted the cooperation and blessing of XXXX XXXX who is listed as the borrower on this loan. My late husband and I have owned this home for 21 years. In XXXX , my husband, who was a pastor, was struggling financially and he was approached by a parishioner who told him they could help him. XXXX XXXX entered into a one year lo an agreement with this individual, but later found that he had deeded the property into the name of the fraudster. The property was then refinanced and/or sold a couple of more times in order to drain all of the equity. XXXX XXXX was asked to do a favor to complete purchase loan paperwork for a motivated borrower who could not qualify for the loan. She had no idea that there was bad intent, but realized after the fraudsters were arrested what happened. She deeded the house out of her name back to me. We ne ed Ocwen to acknowledge that they are the current holder of this loan, and provide the current loan number. At this time Ocwen is attempting to pursue past due balance amounts from me since I occupy the home, but currently I am not listed as the borrower on the loan at this time. I want to get to the bottom of this situation and try and get things fixed.
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| 08/25/2017 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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I, XXXX XXXX, received a Letter today from XXXX XXXX, Ocwen 's Ombudsman. The Letter is dated XX/XX/XXXX. I called the number on the letter, because I do not have an account with Ocwen ; and I am glad that I did, because I discovered that someone has been trying to impersonate me ; or XXXX XXXX is LYING ; Either way ; it is a Huge RED FLAG.
XXXX in tOcwen 's Ombudsman 's Office stated that XXXX XXXX sent the letter as a follow up on a conversation that she said that I had on XX/XX/XXXX. I NEVER HEARD OF XXXX XXXX until I received this letter on today ; XX/XX/XXXX. So what is this person really up to? She is up to FRAUD. I HAVE NEVER AN ACCOUNT WITH OCWEN ; and Ocwen 's Ombudsman Letter Validates this fact.
I received a Letter dated XX/XX/XXXX that Validates that I have NEVER HAD AN ACCOUNT WITH OCWEN ; and neither has my husband, XXXX. The Letter was from Ocwen 's Ombudsman, XXXX XXXX and it stated, " Our records indicate we have not received authorization from the Customer to provide account information to you. Therefore, we are unable to release any information regarding the account. '' ( Letter Attached ) Ocwen needed authorization from the Customer to provide account information to me. But this XXXX XXXX claims that she spoke to me ; I AM NOT THEIR CUSTOMER AS THEY VALIDATED, AND NEITHER IS MY HUSBAND.
So, why is this person lying? She is lying because of the Criminal Charges of Theft by Conversion-Felony Charges pending. They want to manufacture an Account to cover themselves.
We OWN OUR HOME ; and there are No Mortgages or Liens ; and we have NEVER had an account with Ocwen ; but according to XXXX Ombudsman, XXXX XXXX ; Ocwen 's attorney, XXXX XXXX of XXXX XXXX, instructed XXXX to break into our home ; making a false claim of foreclosure. It Was a LIE ; just like this XXXX XXXX is LYING.
Ocwen is known for Stealing Homes using Foreclosure as the front. The Consent Order investigation revealed that manufacturing and filing False, Deceptive, Documents and Affidavits ; flies Illegal Foreclosures and Violates Homeowner 's Rights.
Because they are still doing this ; they are being sued by the CFPB AGAIN along with 25 States ; that 's half of the country. The 25 States have also banned Ocwen. Massachusetts kicked them our completely.
I do n't know the depth of these LIES AND IMPERSONATIONS. Did they try and file false documents with the county, pretending to be XXXX XXXX. They better hope and pray that they did n't.
Either XXXX XXXX is Lying or Someone is pretending to be XXXX XXXX ; or BOTH. Impersonation is Identity Theft. I dont know how far these crooks will go.
Ocwen and XXXX broke into our home ; and attempted to transfer our utilities to their name. Since these crooks went that far ; they are No Limits to what they would do, including impersonate me at the county records signing my name in a Fraudulent Property Transfer.
I have already provided the CFPB with the Police Report with Charges of Theft by Conversion-Felony ; but this latest incident may include an additional charge of Identity Theft, a Federal Charge.
The Suspect listed on the Police Report is XXXX ; but XXXX Ombudsman, XXXX XXXX named Ocwen 's Attorney, XXXX XXXX of XXXX XXXX, as the person who gave them the instructions to break into our home ; maybe the search for this Impersonator should begin here. I will report it to the Authorities as such.
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| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Older American |
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I submitted a complaint in XXXX and XXXX and know in XXXX, I also wrote the attorney General in XXXX and Mississippi concerning XXXX an Ocwen concerning their wrong doing with me and my mortgage loan. I tried to get in on the Litigation but they stated it was to late. I have tons of thing that if I have to get copies and send to you about how XXXX did me and then turn Both house over to Ocwen and since XXXX up until the present I am still having problem. I need help real bad XXXX can verify that when I had to send information I sent it. Ocwen always said I did not send all information. another thing their foreclosure they might say they sent the information out to me but I did not receive it. Also with XXXX I made payment by wiring it they did not post it I still have where I sent it each month were they asked me to send it next time I found out that they were foreclosing on the address and the property of the other house. I have beaning having problem since XXXX from XXXX - Ocwen. Please let me know I have XXXX number where I file a complaint do not know if it for my home house or rent house. home house is XXXX Ms XXXX My daughter house which is in my name and I am handling it address is! XXXX MS XXXX. After my Daughter followed her job we rented the house with the obtion to buy we went through everything papers appraisal, the mortgage company keep sending in the information for the buyer and they keep sending paper work back they buyer got tired and moved. Had another person to come in to buy the same house XXXX XXXX XXXX XXXX XXXX, Ms XXXX. This buyer tried and tried that was XXXX then Ocwen got it and we have beaning trying with four people and three just got tiredOcwen had me to turn it over to a lawyer I did then they asked the Lawyer to turn it over to a reality state person where they put a signed in the yard after the other person found a house and bought a home because they were going through sending paper work back saying they were going to foreclosure me filing bankruptcy twice, So the lawyer got the reality state person and she been going through everything with them still have not gotten it done. Their buyer had given up after XXXX the XXXX and they did not close like they said they were I was in the hospital and my daughter had not brought me a foreclosure notice at all, we were looking for a signing for the people to get the house and we had a notice in the paper stating that they were foreclosure on the property so I had the nurse to send a copy of that to the Lawyer after received that he got with Ocwen and he stated they stopped the so we pick the person back up we feel they are not going to do this loan. We are just waiting the lawyer said. We have tried everything. The note is behind because we do not have any body in the house we have had people that want the house. I have another person who got her loan and want the house it is not us it is Ocwen.My number is XXXX XXXX my Address is XXXX MS XXXX My name is XXXX XXXX One number is XXXX Please help me I was trying to get on with the law suite or litigation withOcwen and XXXX When I when on the web sight CFPB like they asked me I was told I an to late I went to Ocwen could not get on there I am willing to write the Attorney General again In XXXX because I wrote the one who just left and the one that is there athe present and I also wrote the one Here In Mississippi.
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| 04/07/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My mortgage was bought by XXXX in early XXXX of 2020 from PHH Mortgage services. On the XXXX of XXXX I received a call from someone at XXXX explaining that I need to pay the remainder of my XXXX Mortgage bill. XXXX needed to call me to remind me to make this payment because I was on an automatic payment plan with PHH Mortgage Services. I promptly made this payment over the phone, and from that point I was under the impression that I was paid in full for my XXXX Mortgage obligation.
I then continued to receive calls requesting that I pay my the remainder of my XXXX bill. I questioned this request because : A. when I made the payment to XXXX on the XXXX of XXXX It was expressed that I need to pay the remainder of my XXXX bill and B. because I knew that my automatic payment with PHH had been made already earlier that month.
After multiple conversations with multiple people at XXXX, One individual told me that this situation is being put under investigation, and that I will hear back from XXXX once they have determined what the issue is. About a week had gone by, and I received a call stating that the automatic payment taken on XX/XX/XXXX was actually credited towards my XXXX payment. According to the XXXX person on the phone I was behind in my XXXX payment, therefore my payment on the XXXX of XXXX just fulfilled my XXXX mortgage obligations.
The reason for some of the confusion Im guessing, I had a check that I deposited into my account in XXXX that was refunded twice. during the time of the check balance was being put into my account, and then taken out, and then back in, and finally taken out again- PHH Mortgage services automatic payment system was trying to pull out my XXXX payment- which ultimately got denied. After I sorted out the bad check situation, I returned my account to a positive balance, and made my final payment. I am not sure as to why XXXX is not disclosing this payment being made, but I can confirm that- even though there were multiple failed attempts to make this payment, it was ultimately successfully made. The woman on the phone stated that the issue came down to me not paying enough in the month of XXXX I called XXXX today, and made this argument to a Mortgage XXXX over the phone. She continued to tell me that BSIs records show that I am missing the remainder of my XXXX payment. She also stated that I need to prove what I am saying is true. I asked her what can I do to prove what I am saying is in fact true. She claimed that screenshots of the transactions on my bank account website will suffice as proof. So, attached is just that- a break down including some of the details I think would be prudent in your investigation of this matter, along with screen shots of the transactions found on my bank accounts website.
I would request that my account be put in suspense before you take actions against me. I think I have done more than enough for you suspend any reporting to the credit bureau, or charging me any late fees. If for whatever reason you can prove I owe more money, then I will surly comply, but currently, I am confident that I do not owe any more money for the month of XXXX. Additionally, I would gladly pay my bill for XXXX, and XXXX XXXX I have made this statement to every XXXX employee I have talked to since, ) but I keep being told that any payment will just be put towards the debit I owe for XXXX.
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| 05/12/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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During my Chapter XXXX bankruptcy, XXXX failed to submit a Proof of Claim. Ocwen 's la wyer instead filed a motion to dismiss my case with a motion that contained entirely wrong information, such as the amount of my monthly payment and the amounts due and past due, which was central to my entire bankruptcy case 's monthly payments to the truste e. Ocwen 's lawyer a ppeared in court and lied to the judge. After that case was dismissed, I applied for a HAMP modification in XXXX XXXX . They told me it would take 30 days to see if I 'm approved , Ocwen re presentative instructed me on the telephone, to not make any payment until the decision is made. 5 months later, on XXXX XXXX XXXX , I was approved for the HAMP modification program. ( with taking 5 months repeatedly asking me for same docs which in turn increased my overall debt as Ocwen simply added the past due amount onto the balance, raised the rate and added a balloon payment ). On the evening of XXXX XXXX XXXX , a process server pounded on my door, serving me with a foreclosure lawsui t -- -5 days after I was approved for HAMP! On XXXX XXXX XXXX , I telephonically contacted the counsel who signed the foreclosure complaint, who informed me that it was human error, that the dept. a t Ocwen who is responsible for notifying of such, failed to contact their law firm and inform them that I was in HAMP and to stop the foreclosure action. The attorney told me that I was approved for modification on a Friday, then there was a weekend and then two days later, they filed the action with the court because Ocwen had forgotten to contact them about it. They advised me t hat they would not be prosecuting the foreclosure. However, the judge set hearings in that case, and Ocwen continues to bill me to date, for the filing fees for filing an illegal foreclosure, in violation of federal HAMP laws, simply because Ocwen failed to inform their outside counsel. I should not be billed for any fees related to Ocwen 's own federal crime. The erroneous foreclosure case remains on the XXXX XXXX XXXX public docket forever, has damaged my credit, and has caused me humiliation and continues to. Ocwen dual-tracked me by continuing to move forward with the initiation of a foreclosure action at a time when I was actively in HAMP. Ocwen continues to bill me for fees and costs for filing said illegal action. I was advised by an Ocwen representative to write to their " research department '' to ha ve those fees removed from my account, which I did, several months later, the research dept. responded by just telling me that the fees were incurred when they filed the foreclosure action. However, they did not remove said fees from my account, instead, just adding more unexplained fees each month. Ocwen 's filing of a foreclosure action, which are the filing fees added to my acct., was illegal in that it violated federal HAMP laws and laws against dual-tracking. It is useless to call Ocwen as their employees are overseas, do not speak fluent English and are just reading from a script. I entered into the HAMP program with Ocwen, only after I read and understood The Economic Stabilization Act in its entirety and with the hopes that the United State 's federal law would somewhat protect me from Ocwen 's abuses. Yet Ocwen flagrantly vio lates federal laws anyway.
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| 07/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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To save their home from foreclosure, our client applied and was approved for the HAMP modification on XX/XX/XXXX ( a copy of the modification is attached to this letter ). The client initiated the mandatory HAMP Temporary Payment Plan ( TPP ) on XX/XX/XXXX. The TPP payment was for the amount of {$2300.00}.
During the next three months the client continued to make his mortgage payments despite the modification not being finalized. On XX/XX/XXXX, the client signed the completed loan modification, which confirmed a modified principal, interest, taxes and insurance payment of {$2300.00}.
The first payment for the modification was due XX/XX/XXXX.
On or about XX/XX/XXXX, the client called OLS to make his modified mortgage payment. The OLS representative advised him that his mortgage payment was {$2500.00}. The client then advised the representative that the modification contract that was just signed was set at {$2300.00}. The OLS representative advised the client that the increase in the mortgage payment was due to a shortage in his escrow account. I note here that per HAMP guidelines any escrow shortage should have been calculated into the loan modification calculations.
The client objected at the mortgage payment and request that OLS correct this error. During this conversation, the OLS representative advised that the client could either accept the payment as set or his loan or he could chose to not make the payment and become delinquent. The representative refused to initiate a correction to the payments as was required.
Feeling that he had no choice but to make the mortgage payment, the client made the mortgage payment as he was advised by OLS. The client continued to attempt to resolve this issue with OLS without success.
On XX/XX/XXXX, the client received a billing statement from OLS which confirmed that his mortgage payment would increase from {$2500.00} to {$2700.00}. This increase was again due to the continued escrow shortage caused by the modification error of XX/XX/XXXX. As previously stated the client has attempted to resolve this issue with OLS on numerous occasions without success.
As detailed in the Making Home Affordable Handbook Home Affordable ( HAMP ) for servicers section 9.3.7.2 Escrow Advances : Servicers should capitalize any escrow advance that has been or will be paid to a third party before the modification effective date. If capitalization is prohibited by applicable law, the servicer should direct the borrower to repay the advance in accordance with investor guidelines, the underlying security instrument and all applicable laws, rules and regulations. Servicers may not have the borrower execute a note for any escrow advance.
Further, section 9.3.7.3 Escrow Shortages states that, in the event the initial escrow analysis identifies an escrow shortage a deficiency in the escrow deposits needed to pay all future tax and insurance payments the servicer must take steps to eliminate the shortage. Any existing escrow shortage currently being paid by the borrower should be included in the borrowers monthly mortgage payment.
In closing, it is clear that OLS acted incompetently in the servicing of my clients loan. Further, once OLS became aware of the servicing issue, and acknowledged its error, OLS again failed to fulfill their legal obligation as the servicer of the clients loan to correct this issue.
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This is not a duplicate, As we continue, this Hostal Transaction with with costly issues, enorrious data collections and no proof of service?
XX/XX/XXXX XXXX XXXX, As you are aware, my signed contract originated with XXXX XXXX ( XXXX ), Later sold to PHH/ XXXX XXXX Account # XXXX. See attached payment coupon with monthly Mortgage Calculation including contractual late fees etc. ( XX/XX/XXXX ) Signature on file transferred many times.
1. The following is a request to review my Tax Pay History with PHH/XXXX compared with official billing of XXXX XXXX County Tax Accessor. XXXX XXXX XXXX records reflect actual billing dates and payment due by years starting @ XXXX.
2. Provide money distributed from XXXX to XXXX XXXX XXXX XXXX starting XXXX to XXXX.
3. Per my contract : Who is the financial institute that is holding these funds and? What are the transactions of in and out monies? Who authorized any and all negative balances? What interest has occurred? Outside of PHH/XXXX/XXXX who is managing these collected fund XXXX present?
4. Please provided is an Audit of all your attempts to pay / Reject payments from your Automatic Tax Pay Service : XXXX XXXX XXXX and others. All attempts to pays that were rejected?
5. Refunds are due back to Escrow and interested per contract?
6. Please provide an Audit of Rejects including the details : When the payment was submitted ; Wire, Electronic, Date of Rejection, When was the money re-applied back to Escrow?
7. I forwarded to you my Insurance Pay History. See Attached/ XXXX XXXX XXXX. You responded with this Hostile memo. I immediately, called customer service, stating the concern of the letter, I was informed PHH, does not have a template addressing my verification, so, the attached memo was sent. Response : Sorry for the confusion.
8. Your Statement illustrates Insurance Distribution? Please provide your details, Who is your assigned broker? What is their contact information? How much money have you distribute from Escrow for insurance? When does your Insurance policy expire and coverage applied? Please provide details and copy of contract? The information of proof. You forwarded statement stating insurance and taxes were distributed. I disagree. Refer to XXXX XXXX Brokers Analysis?
9. Please provides details concerning insurance payments and distribution per your many monthly statements?
10. The colorful attachment Chapter # XXXX Ending Bankruptcy supporting Unapplied Funds. The Federal Chapter XXXX Trustee reflect monies distributed to PHH/XXXX and XXXX. I have no agreed to withdraw monies for payment. There are contract agreement concerning these funds. Attorney XXXX XXXX, Chapter XXXX will send reports to follow-up on the current status. Replace/reverse monies immediately?
11. The Federal Chapter XXXX Trustee, indicated {$2700.00} was submitted to PHH, XXXX and XXXX as of XX/XX/XXXX.
12. This distribution Account is closed, Attorney XXXX and The Chapter XXXX Trustee indicated you are notified of activity closed.
13. In disagreement, what monies have been distributed from the Unapplied account. Who, What and Where are the purposes of your legal purpose of withdraws?
14. A final document from the Federal Chapter XXXX pay distribution is requested for your files.
XXXX XXXX XXXX Note : Ms. XXXX XXXX, because of XXXX, I am not able to get to the phone until after the 3rd ring.
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| 04/01/2019 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX my sister died in a house fire that had a reverse mortgage from OCWEN and the house was a total loss. XXXX had taken {$38000.00} out of the {$100000.00} line of credit provided by OCWEN. I got a heloc loan against my home to allow me to pay off OCWEN through XXXX XXXX. When I called OCWEN on XX/XX/2019 to ask for the amount of the payoff and payee information for XXXX XXXX to send the check they told us that there is a " process '' to obtain that information which can take up to 90 days to provide and could not be provided to me at that time. They requested a copy of the will, death certificate, and change of address letter which I emailed them and faxed them that day. The next day, my friend and I called again on XX/XX/XXXX at XXXX XXXX PST and again were told it could take up to 30 days to get the payoff and payee information to us. My friend XXXX said " then since you won't provide us the address to send a check to, you must suspend any further interest charges at this time ''. She said, " NO, that's not how this works. We will continue to charge interest over the month. '' XXXX said that we want to know the payee information now so that we can at least pay off the amount due as of the last statement from XX/XX/XXXX to prevent interest accruing. She again stated " that's not how it works, you can't do that ''. He said we are recording the call and you are refusing to allow payment on the account. She said " no, I am not but we have a process and you have to follow it '', but still refused to provide payee information. After that, he told her that we are providing a recording of this call to our lawyer that afternoon, she then said " if you have your lawyer send us that payout request to the following email addresses, on business letterhead then we can get it to you in 7 days but you will still be charged the full month of XXXX for interest, etc. '' We have had our attorney XXXX XXXX send them the request for payoff information. In the meantime, over the weekend the next day, I received a letter dated XX/XX/XXXX ( same day of first contact in which they learned the house was burned ), stating that an unspecified inspection ( no detail of who did it or when it was done ) on the property was done and it was found " vacant and unsecured '' however the property was boarded up by XXXX the day following the fire being put out by the fire department and has been secured ever since so this is a false report. The letter goes on to say you must call us within 10 days of this letter to confirm security or we will secure it at your expense. We are still awaiting the payee information and are able to pay not only the amount we know is due but the next months charges in full at which point they can owe us a refund of any over payment. We have been asking who to pay and how much for over a week now but they refuse to provide that information while continuing to send threatening letters about foreclosure proceedings, and other harassing notifications. Please assist us in investigating them and forcing them to provide us the information we seek in order to get them paid and remove their lien holder status from the property so we can move forward with repairs. Thank you for your prompt attention to this matter. We have all documents related, notices, and the recordings of conversations which can be provided to you upon request.
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| 01/07/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX I submitted a draw request as I have in the past to PHH mortgage/OCWEN/Liberty Home Equity Solutions . When I secured this loan in XX/XX/XXXX PHH committed in writing to issuing payment within 5 days of receiving the request. My request was for {$50000.00} of the {$140000.00} of available credit.
My Aunt did not receive payment by XX/XX/XXXX so I called the PHH office handling this in Michigan ( as is Ocwen and XXXX all at the same address ). They spoke with me freely on the account. I was informed my Aunts account and all records were sent to the PHH office in Fl. on XX/XX/XXXX and I was given their number.
The same day XX/XX/XXXX, I called PHH in Fl. They refused to speak with me on the account explaining that I was not authorized per their records. I explained the full details about me setting up this loan via a POA for my Aunt. I was given an email address for customer assist and told to contact them. I explained that PHH in Michigan can verify that I was authorized as it still shows up on their records.
I called FL. again XX/XX/XXXX and XX/XX/XXXX each time being told by the PHH rep that they couldn't talk to me about the loan since by their records I am not authorized. I explained all the details again and I was told again to send an email to PHH customer assist. I sent 3 emails as the customer assist.I never got a response.
On my XX/XX/XXXX call It was recommended that I fax the POA to them it might help which I did XX/XX/XXXX.
I heard nothing so I called again XX/XX/XXXX from my Aunts house who authorized me to speak with PHH. I was told that they were all backed up with transfer files and that they had the XX/XX/XXXX draw request but the POA had not been uploaded yet. They could not tell me when they would be caught up.
On XX/XX/XXXX I again called and I was able to speak with the PHH rep after she confirmed I was authorized. I assumed the POA issue was over. The PHH rep suggested I send a new fax for the draw request and she would document to the file to process only one of my {$50000.00} requests, whichever they got to first. I faxed the request on XX/XX/XXXX.
On XX/XX/XXXX I called to confirm receipt of the fax and I was told I am not authorized to speak to them, back to square one with PHH. I asked to speak to a supervisor and was told they would not speak to me since I was not authorized on the account. I was also told that PHH 's legal department has to review the POA and that could take 30 days.
It is clear that PHH is not honoring their contractual commitments and appears to be intentionally withholding payment on the pretense that they need a document that has been in their possession for 5 years and also resent to them weeks ago..
I set up this loan via a POA five years ago. I faxed a copy of the POA to PHH on XX/XX/XXXX. PHH 'S own Michigan office verifies I am authorized on the account. The PHH rep I spoke to on XX/XX/XXXX verified I was authorized.There is no legitimate reason for this draw request not being honored already.
A 5 day payment commitment by PHH is now at 39 days with another potential 30 day delay for legal to review the POA that was used to set this loan up with them in XXXX XXXX. ( in other words that has been in their possession for five years ).
This is having a major negative impact on my Aunts care and payment needs to be made immediately on the draw request.
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| 03/31/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Credit decision / Underwriting
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Web |
Older American |
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In approx XXXX Indymac Bank gave my then husband, XXXX XXXX a loan. XXXX asked if he could take me off the loan and promised he would put me back on soon afterward, that this was a special deal he and his racquetball buddies were all doing to save money. What in fact happened is that I found XXXX XXXX was NOT using my paycheck to pay bills each month anymore. I found stacks of unpaid bills. His intention was to inherit a " free house '' from his parents who were near death and he got his " free car '' by making the Indymac loan that he never intended to pay. I stopped giving him my paycheck and he moved in with his parents.We divorced. I got him to sign a document giving me power of attorney to pay all debts connected to the home, home loan, HOA fees, all debts he had abandoned. He signed a quit claim so I was on the deed again. I contacted Indymac via a three way call with the organization HOPE helping me and asked how my request to modify and assume the loan was progressing. Indymac told me and HOPE that it was " in process '' and to please be patient. The XXXX way call was interrupted by a call from the law firm of XXXX XXXX XXXX stating, " I do n't know what Indymac is telling you and HOPE, but they have your home up for sale this morning ''. I put my XXXX son XXXX in the car still in his pajamas and XXXX XXXX filed Chapter XXXX and stopped the foreclosure 15 minutes before the home was to sell. With the open Ch XXXX I was able to achieve a loan modification. The loan was purchased by XXXX Bank and managed by XXXX XXXX XXXX. I started paying the modified loan on XXXX XXXX, XXXX and to this day have NEVER been late, never missed a payment. XXXX XXXX was satisfied that I was going to continue paying on time and sent me an assumption packet so I would begin to get credit for paying the loan on my credit reports. A week later the loan was moved to OCWEN. OCWEN 's underwriters refused to recognize me until XXXX XXXX, after I had been paying the loan six years. They finally let me assume the loan. I immediately contacted KYHC, Keep Your Home California and applied for help with the upside down loan. KYHC gave OWEN over {$74000.00}, which Ocwen accepted for the payment of my Ocwen Loan # XXXX. Ocwen then told me repeated in writing and via phone that they reported my loan to all the credit bureaus. They gave me a letter to show the bureaus to show it was the BUREAUS fault if my home loan was not being reported. In fact, XXXX told me that on XXXX XXXX OCWEN removed my home loan. XXXX told me OCWEN removed my home loan on XXXX XXXX. It was removed from XXXX as well. Ocwen claims I am responsible for the loan but should not get credit for the payments I made because of the Ch XXXX filed due to divorce. Ocwen claims XXXX XXXX should not have modified the loan. Ocwen is making such a confusing mess that I request CFPB investigate and get them to let me get credit for paying this loan. I have NEVER been late. Since the divorce this loan has been paid by me only and ALWAYS on time. I have begged XXXX XXXX to let me assume this loan from day one. It seems like very punitive harsh punishment for me and my XXXX son to suffer while XXXX/Ocwen take my money for six years and yet treat me like I do not deserve to have my loan reported to the bureaus like most people do. I feel I am being treated like an indentured servant who has no rights.
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| 06/11/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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The companies : XXXX XXXXAmerican Home/Ocwen The following events show the predator activities that have impacted our mortgage : In late XX/XX/XXXX, we negotiated to refinance at a 4 % rate with XXXX XXXX, primarily to avoid a balloon interest increase by XXXX XXXX from 7.6 % to 9.7 %. We were told that in order to increase our credit score they would require 9.75 % interest rate for one or two months and then the rate would go to 4 %. We were also told that an equity amount of {$48000.00} could be taken to help with payments and any other bills. XXXX XXXX charged us {$10000.00} as settlement fees in XX/XX/XXXX. When papers arrived months later, we realized they had just raised the principle amount of the new loan by the equity amount we had taken out. When we questioned this action they reassured us that the reduced interest rate, which would lower our monthly payment, would correct everything. These papers were postdated to XX/XX/XXXX To avoid the balloon payment with XXXX XXXX we felt we had no choice but to sign the papers. This 9.75 % rate continued through XX/XX/XXXX. Obviously not 1 or 2 months as promised ( Charged for more than 1 year ). Finally, the interest rate was placed at 5 % XX/XX/XXXX but the principle was inflated and did not reflect any payments that were made at 9.75 %. We called every mortgage agency we could find, even the FBI, trying to claim predator loan activity. We filled out a complaint form with the Mortgage Lending Division. We did not get any information on our case. Approximately a year later we called their office again and learned that XXXX XXXX and XXXX XXXX had been found guilty and fined. However, their fines were being forgiven because XXXX XXXX told them we were happy getting the loan. Incredibly, we were not asked about this! XXXX XXXX transfers mortgage to American Home : A step interest rate plan starts on : XX/XX/XXXXat 2 % interest rate until,XX/XX/XXXXthis changes to 2.5 %, XX/XX/XXXXthis changes to 3 %, XX/XX/XXXX this changes to 4.99 % We called and sent a letter stating incorrect amounts on the settlement papers. These were ignored and we were told we had to sign the papers or forfeit getting the new plan for a reduced mortgage rate. In the settlement papers they charged XXXX of unpaid interest this interest had been paid in our prior monthly payments and we should not have been doubled charged. The new principle for this loan was {$320000.00}. This is the amount That we started with plus the equity amount we received {$48000.00} which was used to pay the inflated monthly 9.75 % for more than a year We filed papers for a HAMP modification in XX/XX/XXXX ( approx ) and sent requested papers for almost 2 yrs. In XX/XX/XXXX we were told that we had already had 3 Hamp modifications.
Since settlement fees were always charged these were In-House refis not HAMP.
American Home becomes Ocwen : Our loan was sold to OCWEN. A transfer fee was charged to us for the selling of this loan - this amount just suddenly showed up on our monthly mortgage statement. Because of these charges, despite paying the monthly mortgage amount, we apparently are not considered maintaining the account on time. The mortgage is in my husbands name only. He has recently passed away and the mortgage representatives refuse to speak to me. I am pleading with someone to review the files and help me keep my home.
|
| 04/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I had a closing on a property that had many errors and problems and rescinded on the same day as closing. XX/XX/XXXX. When I rescinded this on the ground of fraud, they obtained a bogus Settlement Service named XXXX which did not have anything to do with this loan, that service was XXXX from my original settlement statement and charges document signed by XXXX XXXX XXXX and the Sellers Legal representative. There were no witnesses, no agents for the lender, no Notary on site in XXXX, PA, and no signature from XXXX XXXX XXXX, on the originals. Even the note is not dated or witnessed of the assignments that were not filed in County records as Pennsylvania law requires. There are no certified copies of any assignments, or transfers filed and recorded into Public record, and what was filed were forgeries with my signature, with the XXXX stamped on page XXXX. Page XXXX of the Mortgage does not state the borrowers name, just as Borrower is on the main page. I have all the Original Certified copies that the court would not let me introduce into record on my motions and strike petitions. All my petitions have been denied, even my discovery request was ignored before Judgment was passed. XXXX is producing false records to foreclose on properties that they do n't own, or even made consideration for in any purchase by using XXXX that did not track any assignments to this mortgage either also documented. Then there is XXXX claiming they own the mortgage, but they don'r show standing and on the XXXX XXXX loan lookup site it also states the XXXX does not own my loan, with the address of XXXX XXXX XXXX, XXXX, PA XXXX ; last XXXX of the social XXXX. But I get letters from XXXX that they own the loan, and I just received another default letter from XXXX Mortgage that I owe on a loan to their account No. XXXX in which I have no contract with that I signed. and also Homecomings has a loan number # XXXX, and XXXX XXXX with another loan number of # XXXX. Each XXXX can come back and file judgement against this same mortgage, when it was already being in foreclosure. I did not care about this home and did not want a free home, I am interested only in winning against XXXX Mortgage for fraud and all the TILA and RESPA violations and collecting back all the funds I had to pay since the Deposit to the Real Estate. I did not put up the closing fees, my wife received an award for negligence of her mothers death and put up over {$8000.00}. My income was not considered in the pay back, and they just needed my signature so I would default and they would have unjust enrichment, and all the actors have made at least XXXX times the loan amount from the Mortgage bailouts that never helped me, but enriched all the scammers I mentioned here. I want my day in court, but in XXXX XXXX even the recorders office is corrupt along with the Judges. Citizens have no chance of finding justice here, and the only way to find justice may be to file a Federal complaint and report the criminal activity of XXXX County to the authorities, which I plan on commencing soon as I can fight this unethical Judgement that is selling my Home tomorrow XX/XX/XXXX at XX/XX/XXXX. I already filed a XX/XX/XXXX on Friday XX/XX/XXXX to give me time to get the proper authorities to investigate, and I also intend on filing another Quiet Title XX/XX/XXXX to slow this runaway train of Justice.
|
| 04/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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My wife and I have been engaged in a dispute with OCWEN for nearly one year, as the result of OCWEN mistakenly making a duplicate homeowner 's insurance payment XX/XX/XXXX and subsequent escrow analysis which incorrectly increased our monthly mortgage payment. Prior to OCWEN 's insurance payment error XX/XX/XXXX, our monthly mortgage payment was {$650.00} and we continued to pay this monthly payment amount while the dispute was being resolved. We subsequently received a letter from OCWEN XX/XX/XXXX which reflected their acknowledgment of the error, stated that all account information was supposed to have been corrected, and that payment history would be reconciled. It also stated that a new escrow analysis had been performed and as a result, our new payment amount as of XX/XX/XXXX would be {$620.00}. The letter also reflected that OCWEN would be submitting a request to the credit bureaus to report the loan as contractually current.
Shortly after receipt of OCWEN 's letter XX/XX/XXXX stating our new payment would be XXXX, we received another letter stating that our payment had been readjusted and would be XXXX as of XXXX. As this was clearly contrary to the letter we 'd just received, we contacted OCWEN yet again requesting verification that this new payment amount was correct. A letter was received on Friday, XX/XX/XXXX via email at XXXX, stating that the increased payment to {$980.00} was due to a term of the mortgage. We then made the payment for {$980.00} via telephone, but due to it being a weekend, they did not process it until Monday, XXXX XXXX, XXXX and it cleared our bank account on XX/XX/XXXX
We thought all of these issues had been resolved and recently began the process of refinancing our home, only to learn that OCWEN has reported to the credit bureaus that we did not make payments for XX/XX/XXXX and XX/XX/XXXX. When we learned of this, we contacted OCWEN yet again, and informed them that it was absolutely unacceptable that they have receipt of our mortgage payments yet reported the contrary to the credit bureaus. The only answer we received was that they would " have to investigate ''. It took over a month to get a reconciliation of the payments from OCWEN, and it still did not appear accurate, with OCWEN still showing a {$470.00} discrepancy. By this point, we were sick of fighting and we emailed OCWEN XX/XX/XXXX asking who to pay the {$470.00} to, so that this could be resolved. We were advised to make the {$470.00} payment and then the regular payment due XX/XX/XXXX, and then the account would show current. Said payments were made XXXX. OCWEN then reported the account more than 30 days late.
In summary, we have had this mortgage for ten years as of XX/XX/XXXX and have NEVER missed or had a late payment on the account. Countless phone calls have been made to OCWEN during this time in an effort to resolve what has been one error after another on OCWEN 's part. OCWEN 's fraudulent report of non-payment to the credit bureaus has now adversely effected us by resulting in a lowered credit score for me and my wife. We are aware that OCWEN has settled with the Florida Attorney General 's office for bad faith mortgage servicing practices, but it clearly continues. We respectfully request that this be corrected immediately and that OCWEN be investigated for its ongoing bad faith mortgage servicing practices.
|
| 07/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Ocwen Loan Servicing LLC has failed to validate my Qualified Written Request. I am in the state of XXXX. I have sent Ocwen 4 Qualified Written Request and also two Debt Validation Letters by Certified mail. I have asked them to validate the alleged debt that they say that I owe to them. I have informed them that I suspect errors of the amounts owed, over charges, interest etc. Also I have found after my Lender filed a assignment of rents in XX/XX/XXXX they went out of business and there has never been any other assignments in the county records after 8 years. There has been only one Lender attached to my mortgage since XXXX XXXX. Section XXXX of my mortgage states the Lender is supposed to contact me. Ocwen servicing is not my creditor lender. As of this date Ocwen has refused to validate the debt. My complaint is regarding their refusal to answer and prove the debt. They received my first letter dated XXXX XXXX. Ocwen continues to report to XXXX, XXXX and XXXX every month since I sent all the debt validation request to them. These are clear violations of the law. Ocwen has sent me many letter and monthly statement asking me to submit payments since they have received these request. I received XXXX demands for payment letters in one day in separate envelops along with many other letters and statements since my request for validation. Ocwen also informed me in writing that they do not have to answer me. They do n't follow the law because no one stops them. They make so much money by trickery and greed they have completely gotten out of hand. Ocwen loan servicing debt collector started harassing me with phone calls in XXXX XXXX. I then asked them in writing to stop calling me all day every day from XXXX and from their office. The phone call problem continues as to this day, they use different phone number now. The last dates that they reported and pulled my XXXX, XXXX and XXXX personal credit file are XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX. I have also sent disputes to all credit agencies by certified mail. Ocwen is clearly in Violation of the FDCPA, FCRA, XXXX, XXXX. Ocwen has also infiltrated my information with the county clerk 's office they have filed bogus assignment in XX/XX/XXXX asking for all the interest from the deed of trust and had a Premium Title OF XXXX record the substitution of trustee in XXXX XXXX, which states, when recorded mail to XXXX XXXX XXXX in XXXX XXXX meaning that they are planning to sale my property, which they know that they have no legal right to do. This is fraud, these people need to be arrested for what they are doing to innocent people that do n't have any idea what they are doing to them.
Ocwen is also reporting false information in my credit file. I would like to know how they are able to tamper and back date to XX/XX/XXXX and place their information in my file and remove my original lender 's information and place their name in the file this is very strange. These people are corrupt. It sound to me like they are paying the credit agencies off to input false information. How else would they be able to tamper with my personal credit records. This is very serious to me and needs to be looked into. This is clearly fraudulent activity.
There needs to be an immediate investigation regarding Ocwen Loan Servicing LLC, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have the funds to pay my mortgage payment and want to pay it, but PHH Mortgage is blocking me from paying my mortgage payment in every way possible ( online, auto draft, and with a check by mail ). I was on the auto debit program for a long time. It worked well for me and my payment always posted on the first of the month. On XX/XX/2019, PHH sent me a letter stating that my mortgage was near payoff and that direct debit had been automatically cancelled for my account. This is an error. I have 12 years left to pay on my mortgage, with a balance of over {$36000.00}. I called PHH and reported the error. The agent said the issue would be investigated. After that, I never heard anything about the issue from PHH.
The same agent said that, if I signed up for electronic statements, I would be able to pay my monthly mortgage payment online. I signed up for electronic statements in late XXXX, but when I try to pay online, the PHH online portal states : You can not make payments at this time. Please call XXXX.
In late XXXX, I signed up for direct debit again. PHH sent me a letter stating that my monthly payment would be direct debited from my bank account beginning XX/XX/2019. However, PHH created a new online account portal in early XXXX. In the new portal, my bank account information has deleted from my account, and I am no longer signed up for direct debit.
On XX/XX/2019, I mailed my XXXX mortgage payment to PHH from the U.S. Post Office in XXXX, Ohio. The check was for the total amount due for XXXX ( {$570.00} ). PHH will not cash this check, and as of XX/XX/2019, the funds have not been deducted from my bank account. I spoke to a PHH agent on XX/XX/2019. He stated that the check that I sent was in the amount of {$1.00}, and therefore my XXXX payment has not been paid. This is incorrect. Because PHH will not cash my check, my XXXX payment is now 11 days past due. Further, I am not able to see a copy of my check to verify the check amount, since PHH will not cash the check. If PHH would cash the check, I would be able to see a copy of the check in my online banking account.
On XX/XX/2019, the PHH agent said that PHH was not deliberately blocking me from paying my mortgage. However, I do not think it is probable or likely that a mortgage company would inadvertently block someone from paying their mortgage payment in every way possible. I believe the probability of this happening is very small. Since it is not possible for me to pay my XXXX mortgage payment, even though I have been trying very hard to pay by auto debit, online and by mail, I believe that PHH is purposefully preventing me from paying my mortgage in an effort to collect late fees and additional interest. If the problem were to persist, I would enter into pre-foreclosure.
If my XXXX payment had been paid on XX/XX/XXXX, as it should have been since I was supposed to be enrolled in the direct debit program, I would have accrued less interest for the month of XX/XX/2019. Since it is now XX/XX/2019, and my mortgage payment has not been posted ( and I am not optimistic that it will be posted in a timely fashion ), I have accrued additional interest for the month of XX/XX/2019.
Finally, if the blocking of payments is a concerted effort on the part of PHH, I am concerned that this may be happening to other PHH customers, putting them in danger of foreclosure.
|
| 12/18/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My husband lost his job XX/XX/XXXX and was out of work for 3 months then had a job that could not fully pay our mortgage. As soon as we found out, I called Ocwen to let them know and to find out if there was anything they could do to assist us through the transition. They said, that until we were 6 months behind there was nothing they could do to help. I kept being harassed and threatened on a daily basis, so finally about 3 months into the job loss they allowed us to do partial payments. We entered into the process of a permanent modification in XX/XX/XXXX. In the 12 months it took them to finally approve the modification they " lost '' our paperwork twice, switched computer systems and changed our relationship manager at least 6 times. Every week or so my husband had a scheduled call with our relationship manager who assured us that everything was fine and we were " on track '' At this time they told us to stop making any payments because it would change the modification numbers and " mess up '' the process. When we finally received the completed modification paperwork, they began reporting that we had XXXX mortgages to the credit agencies, XXXX has 10 months of late payments, the other has 6 months of late payments. We have tried multiple times to refinance to get away from Ocwen so that we can have some peace of mind. But no one can help us. We have been paying a credit repair lawyer for months. Ocwen refuses to verify credit with the lawyers and they refuse to report to the credit bureaus correctly. For a few months they were rolling over the late payments of my husband 's credit, so first they reported that we were late from XX/XX/XXXX and back 6 months, now they have reported that we were late from XX/XX/XXXX and back 6 months. But the final modification did not originate until XX/XX/XXXX and our first modification payment was to be made by XX/XX/XXXX. We were to make 3 initial " trial payments '' which had to be done by certified bank check. The first XXXX was made on XX/XX/XXXX, the second was done on in XX/XX/XXXX and the 3rd one was done on XX/XX/XXXX. They are still claiming that we did not pay on time in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. In the " official '' modification paperwork, the mortgage payment numbers do not match our statements that we are currently getting.
Currently XXXX has deleted both accounts from my husbands credit report because Ocwen refuses to verify credit. Recently, we were told that we were " sold '' to XXXX XXXX, which is just Ocwen 's new name ( we got a letter claiming they were changing their name from Ocween to XXXX XXXX a few months back ). When I tell other mortgage companies that we are with Ocwen currently, they tell me how sorry they are and that we are just " screwed '' And that Ocwen has been doing this type of shady business since at least XX/XX/XXXX.
We were told by the VA that according to their rules that Ocwen was supposed to tack on the missed payments, create a new loan to get us out of the ARM we were in and then we would be able to basically start fresh with a new 30 year fixed rate loan. They are still saying that we owe them {$16000.00} in missed payments, when that was added to current new loan balance.
They also forced me to be on the title, when I had not been on the original mortgage.
On our final paperwork, they had our county wrong as well
|
| 08/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX I filed a complaint with the CFPB who sent it back as a duplicate complaint. I contacted the CFPB after and was told to resubmit and let you all know it is not a duplicate complaint. ( 1 ) The complaint ask for the mortgage agreement that shows I signed or gave a verbal agreement for Ocwen to place a modification on my home. I attached documentation showing where Ocwen placed this modification with out any signed or verbal agreement. Ocwen add this complaint to hide they lied about me missing my first payment. Ocwen sent the modification after the due date, so they could say we gave her a modification and she miss the due date. This is not true I never signed an agreement or gave my verbal agreement for the modification that was placed on my home. My request is to submit the agreement I signed. The next request was for Ocwen to provide verification they followed Texas foreclosures processes for the foreclosure they placed on my home for XX/XX/XXXXnot XXXX. I do not want a affidavits I want the requested certification they sent to the Federal United States post office. Next I asked Ocwen to provide all transfer of assignments from conception of the loan with all companies, all modifications, all receipt of payments, and all proof of promissory notes original documentation. I do not want a website if they are the owners they need to provide the original promissory notes and documentation not just the documentation Ocwen documentation Next I have asked OCWEN to provide the CFPB with all documentation not just the documentation that was sent to the Attorney General in Texas. The request is not a duplication. Also all documentation is with this complaint XXXX I filed a complaint with the CFPB who sent it back as a duplicate complaint. I contacted the CFPB after and was told to resubmit and let you all know it is not a duplicate complaint. ( 1 ) The complaint ask for the mortgage agreement that shows I signed or gave a verbal agreement for Ocwen to place a modification on my home. I attached documentation showing where Ocwen placed this modification with out any signed or verbal agreement. Ocwen add this complaint to hide they lied about me missing my first payment. Ocwen sent the modification after the due date, so they could say we gave her a modification and she miss the due date. This is not true I never signed an agreement or gave my verbal agreement for the modification that was placed on my home. My request is to submit the agreement I signed. The next request was for Ocwen to provide verification they followed Texas foreclosures processes for the foreclosure they placed on my home for XXXX not XXXX. I do not want a affidavits I want the requested certification they sent to the Federal United States post office. Next I asked Ocwen to provide all transfer of assignments from conception of the loan with all companies, all modifications, all receipt of payments, and all proof of promissory notes original documentation. I do not want a website if they are the owners they need to provide the original promissory notes and documentation not just the documentation Ocwen documentation Next I have asked OCWEN to provide the CFPB with all documentation not just the documentation that was sent to the Attorney General in Texas. The request is not a duplication. All documentation is connect to the complaint number XXXX.
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Dear CFPB representatives, We submitted a complete Making Home Affordable Home Affordable Modification Program Request for Mortgage Assistance to Ocwen Loan Servicing in XXXX 2015 as evidenced by the attached letter dated XXXX XXXX, 2015, confirming receipt of a complete application. Appallingly, Ocwen is presently stating that we never submitted a complete application and that the MHA HAMP RMA was kicked out for missing documentation in XXXX 2015, which conflicts with phone calls made to Ocwen for account status and also the attached letters confirming receipt.
In XXXX 2015, we received the XXXX ( XXXX ) attached conflicting letters from Ocwen stating that we submitted a complete application and stating that the application was not complete, which prompted us to make a call to Ocwen to speak with our new relationship manager, XXXX XXXX XXXX ( Agent ID # XXXX ), to clarify the RMA status.
On XXXX XXXX, 2015, XXXX XXXX XXXX ( Agent ID # XXXX ) conveyed that the only missing documents were rental income documentation but we did not report any rental income, so he acknowledged the error and confirmed that all documentation was in as of XXXX XXXX, 2015.
On XXXX XXXX, 2015, XXXX ( Agent ID # XXXX ) in XXXX, XXXX again requested the exact same rental income documentation that we spoke to our relationship manager about more than XXXX ( XXXX ) weeks prior and once again, we advised that there is no rental income reported.
On XXXX XXXX, 2015, Ocwen placed a foreclosure sale date on the file for XXXX XXXX, 2015, and stated that there was no RMA review in progress yet I did not receive any MHA HAMP RMA denials for the MHA HAMP RMA that was confirmed received via the attached letters back in XXXX 2015, which is entirely in violation of the US Department of Treasury 's MHA HAMP programs per my understanding.
To add insult to injury, on XXXX XXXX, 2015 ( today ), we spoke to our single point of contact ( relationship manager ) at Ocwen, XXXX XXXX XXXX ( Agent ID # XXXX ), who initially advised that I did not have any consumer rights because I did not make my payments, which is false, and that my MHA HAMP RMA was kicked out in XXXX 2015 for missing documentation that XXXX XXXX XXXX ( Agent ID # XXXX ) negated back on XXXX XXXX, 2015, per the RMA submitted.
I am in outraged honestly as to Ocwen 's unfair, abusive, unlawful and deceptive acts and practices as well as the blatant MHA HAMP RMA violations in processing my request for mortgage assistance. In response to learning of the sale date today ( XXXX XXXX, 2015 ), I promptly resubmitted the MHA HAMP RMA from the Making Home Affordable website along with a XXXX, all profit and loss statements and a non-borrower authorization for XXXX XXXX.
While I will continue to fight for the right to modify my mortgage loan event though my relationship manager, XXXX XXXX XXXX ( Agent ID # XXXX ), stated that I did not have rights due to my delinquency, I ask that you do all that you can to assist us in achieving a fair and affordable mortgage for our family home. We are not asking for special treatment, we are simply asking to be treated in the manner outlined by the Department of Treasury 's MHA HAMP RMA programThank you in advance for your assistance with this matter and please contact me either via email or phone for further information. Again, thank you!
Thank you!
|
| 01/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Dear CFPB representatives and advocates, I qualified for and entered into a trial period plan with Ocwen Loan Servicing back in XXXX XXXX. There was some confusion as to what steps needed to be taken in order to satisfy the trial period plan so after making all three ( 3 ) required payments through XXXX XXXX, the trial period ended and no permanent loan modification was extended to me because Ocwen stated that I did not send back the loan documentation. To date, there is still {$3000.00} in payments sitting in a suspense account because although Ocwen refused to extend to me the permanent modification, they continued to accept my payments made on the trial period plan.
On XXXX XXXX, XXXX, I contacted Ocwen Loan Servicing to discuss the status of the account and to find out what happened since I never heard from my relationship manager ( single point of contact ) and was unsure about the status of my mortgage loan account. An Ocwen Loan Servicing representative by the name of XXXX ( XXXX ID # XXXX ) in the relationship management department advised me on XXXX XXXX, XXXX, at approximately XXXX am that the documentation was not completed, which was why I was not extended a permanent modification. XXXX also advised me that the foreclosure was on hold and that I was eligible to reapply for mortgage assistance, as there was still time to do so. XXXX confirmed that there was no foreclosure sale date on my mortgage loan at that time and I explained that I would be completing and submitting a new application for mortgage assistance ( RMA ) as quickly as possible.
I submitted a complete Request for Mortgage Assistance ( RMA ) on XXXX XXXX, XXXX, and received both the confirmation of submission on the XXXX ( see attached ) as well as a notice that I now had a foreclosure sale date scheduled for XXXX XXXX, XXXX, via email embedded in the RMA submission confirmation ( see attached ), which was a complete shock and surprise. I never received the required legal notices from the foreclosure attorney either, which I believe is a violation of my constitutional rights in addition to my consumer rights.
Ocwen is now stating that since I did not submit my application until XXXX XXXX, XXXX, which is the date it was processed by Ocwen and not the date I submitted my application ( it was submitted on the XXXX ), that I did not meet the 7-day requirement ( I was never advised of the 7-day requirement until yesterday ) and therefore, my RMA application would not be reviewed or even considered. What a complete lie since I have proof of submission on XXXX XXXX, XXXX, which would meet the 7-day requirement not to mention the fact that Ocwen placed the foreclosure sale date on my mortgage account the day after I advised that I would be resubmitting a new RMA and within 30 days of the foreclosure sale date ( I contacted Ocwen to advise of the forthcoming RMA on XXXX/XXXX/XXXX and the foreclosure sale date was placed on the account on XXXX/XXXX/XXXX ).
It is my understanding that Ocwen Loan Servicing has some ongoing issues with compliance and specifically, with account holders in the California area. Please help me to stay the foreclosure sale so that my application can be fairly reviewed and so that I can have an opportunity to save my primary residence and family home. Thank you in advance for your assistance with this matter.
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| 06/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ocwen Loan Servicing, Now PHH Servicing, Refuses to Answer My Loan Questions, Has Unreasonably long hold times, Provides misleading information. Ocwen Loan Servicing is my mortgage servicer and they have been sued repeatedly by the states for servicing violations. Ocwen continues to violate my rights as a TN consumer and as a mortgage holder by giving me inaccurate information on my loan, refusing to provide someone to be able to answer questions on my loan. Ocwen recently transferred my mortgage loan to a company called PHH Servicing. This company was created by Ocwen Loan Servicing and is OWNED by Ocwen. Ocwen has forwarded all of it's phone numbers to this company. The agents refuse to answer any questions regarding my loan and they have refused to provide me with a person to assist me. They have refused to escalate my concerns to higher management. I called PHH today and asked when was the 89th day for my payment to be made. This is a common question I have asked Ocwen before. I ask this because Ocwen does not start foreclosure proceedings unless the loan is 89 days past due. I have multiple papers showing this from Ocwen as well. The PHH agent I spoke to said they were unaware of this and refused to tell me when was the 89th day. She said they 'did n't do that '. But they do. Ocwen has not changed that policy in writing with me. I asked her for the number to Ocwen and she provided me a phone number that routed me right back to PHH. I spoke to an agent named XXXX. He refused to tell me anything about the loan and even became sarcastic and inferred I should 'look it up myself '. So my own mortgage company will provide no answers for me on my loan. Please do something to help me. Ocwen is continuing to violate my rights. They refuse to answer questions and have told me only one person can assist me and that person works during my work hours and I am unable to speak with them then. Yet their customer service line is open until XXXX XXXX but they provide no one knowledgeable to be able to speak with me then. The Nightmare Continues Your Desired Resolution : I need an explanation of why I was told by a PHH Servicing agent that they will not honor the 89 day payment delinquency before foreclosure proceedings are started. That has always been Ocwen 's long term policy which Ocwen has reiterated to me in writing on multiple occassions. The PHH Loan Servicing agent said they will not 'honor that '. I spoke with her today, XX/XX/2019. I need Ocwen, PHH Servicing, to deal with me in good faith and provide for me someone during their working hours who can answer any and all questions I have regarding my loan and payment. Although PHH customer service hours run until XXXX XXXX Eastern time, PHH agent XXXX has notified me that my loan has been assigned to someone who leaves very early and after this person goes home no one else in the entire company can assist with my loan or answer any questions. Not even basic questions. The agent even became snippy with me and said I should try to find the answers ' myself '. This is wrong. I need someone to walk me through setting up my account online. I am unhappy with PHH service. Their agents are rude and dismissive and not knowledgeable. I fault PHH Servicing and their parent company Ocwen and I will fault them for any servicing failures that result in foreclosure as well.
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| 02/16/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
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My mother 's reverse mortgage was previously with XXXX XXXX. For the past five years, I have been able to speak on her behalf with the submission of a durable POA. Every 6-18 months, I submit a certificate of occupancy ( it was supposed to be annually, but I was late a few times ). On XX/XX/XXXX and again in XX/XX/XXXX, as her attorney-in-fact, I submitted a certificate of occupancy to XXXX.
In XXXX, I was notified that PHH acquired the loan. I called several times to discuss the loan and was told I was not authorized. I needed my mother to verify verbally. However, my mother has been diagnosed with XXXX XXXX since XXXX. On XX/XX/XXXX, I received a letter of foreclosure. I again called PHH and was told they could not talk to me. I re-submitted the POA on XX/XX/XXXX. I called a few days later and was told the documents were still under review by the legal department. I called the following week and was told the legal department did not accept the POA. Per PHH Representatives ( XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX ), PHH 's legal department is refusing to accept the occupancy document signed by XXXX and refused to accept the POA document due to the lack of the borrower 's name on the notarized page... WHICH IS INCORRECT. XXXX XXXX XXXX is stated and signed on the notary page.
I have been calling everyday to resolve this issue, but get the same information. I spoke with XXXX # XXXX and was transferred to the Supervisor XXXX # XXXX, who assured me he would call me back. NO ONE EVER CALLED US BACK. PHH representative ( XXXX # XXXX ) advised me to submit an " At Risk Extension '' with a letter from my mother 's physician to stop the foreclosure process, which I did last week. I followed up, and no one will talk to me. I sent several emails to XXXX and XXXX with the documents PHH requested, including : letters from my mother 's XXXX, a letter from a lawyer stating the POA in question " meets all the execution requirements set forth in OCGA 10-6B-5. The POA is valid and should be accepted. '' Yet, PHH is continuing the foreclosure process without letting me speak on my mother 's behalf. I have called every day and spoken with two supervisors, who promised to call back but have not. Today I had another call with PHH representative XXXX # XXXX, who is now stating that the reason PHH lawyers are not accepting the Durable POA is because my mother 's name ( the borrower ) is listed above the notary seal and above the statement " in the presence of. '' I asked several notaries, and they stated this is ridiculous, and that this entire process appears predatory. It was suggested that PHH mortgage company is not trying to act in good faith for the customer. I checked several reviews about this company, and they have had many negative reviews. Therefore, I would like to file a formal complaint.
I have complied with their request to send letters from a physician, resent the POA, and completed and submitted the " at risk extension '' document, and yet they have made NO ATTEMPTS to help us resolve this issue. And on top of all that, I noticed we were being charged additional legal and corp adv fees on XX/XX/XXXX.
Still, on this day, XX/XX/XXXX, PHH refuses to talk to me to resolve this issue. We have had our home since XXXX and DO NOT WANT TO SELL or Foreclose on the home.
Respectfully, XXXX XXXX XXXX XXXX
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| 03/14/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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A loan modification is SUPPOSED to be 30 % of my monthly income. My monthly income is {$6000.00} and Ocwen 's loan modification to me is {$3000.00} per month ( 50 % of my income ) which I must begin paying XXXX XXXX or lose my home. See details below.
2. Desired Resolution : Make payment adhere to federal guidelines =30 % of monthly income= {$1800.00} per month.
( a ) Reduce principal to reflect current market value of the home.
XXXX. My information ***My loan has been transferred many times and is now securitized in a XXXX Trust XXXX It appears that XXXX does NOT have an unbroken chain of ownership and lacks standing.
Facts of Case : From : XXXX XXXX Case Number : XXXX Ocwen ID : XXXX XXXX XXXX XXXX, Fl. XXXX Ocwen Loan Number ( XXXX ).
Loan : American Home Mtg. ( XXXX XXXX ) = {$690000.00} Ocwen Mortgage : ( XXXX XXXX XXXX XXXX XXXX Ocwen Pay off : ================= {$820000.00}, 00 Ocwen Appraisal ( XXXX XXXX XXXX XXXX {$260000.00} XXXX Appraisal ( XXXX XXXX XXXX XXXX {$220000.00} ( requires $ XXXX in repairs ) Current Monthly Payments======= ===== {$3000.00} ( To begin XXXX XXXX per Loan Mod ) Ocwen, states that : " Helping home owners is what we do '' How is Ocwen helping " this homeowner '' by giving me a " Loan Mod '' of {>= $1,000,000} on a property that Ocwen appraises at {$260000.00}? AND requiring payment of {$30000.00} per month which is more than 50 % of my monthly income?
Ocwen is shackling me with a debt ( {>= $1,000,000} ) that is 4 times greater than the property is worth ( {$260000.00} ) based on a loan that was conceived in Fraud and predicated upon Predatory Lending. Ocwen continues to perpetrate this Fraud by its failure to facilitate an Equitable solution with the Home owner, XXXX, who was a victim of Predatory Lending. Further, Ocwen is Unjustly Enriching itself with a Mortgage in the amount of {>= $1,000,000} when Ocwen 's Appraisal is only {$260000.00}.
In XXXX a broker and his appraiser approached and represented to XXXX that they could arrange a loan to him from American Home Mortgage. This was based on the appraisal from the broker and his appraiser in the amount of {$1.00}. XXXX XXXX. The broker then consummated the loan from American Home Mortgage in the amount of {$690000.00}.
It turned out that this loan was conceived in fraud and predicated upon Predatory Lending to entice me to take the loan based on my belief -- manipulated by the Broker and his Appraiser- that my property was worth {$1.00} million vs. a {$690000.00} loan leaving me a " safety-net '' of {$400000.00} in equity. Ocwen 's current appraisal : {$260000.00}.
The broker and HIS XXXX had, in fact, colluded in providing an inflated appraisal. Further, the broker/appraiser did NOT include the fact that the property is in a flood plain.and has suffered numerous floods ; the property requires a minimum of {$150000.00} improvement to secure it from Flooding and further damage by the XXXX River.
**Unconscionable Inducement " affirmative misrepresentations or active deceits. '' if lender tells lies, you may be able to sue XXXX v. XXXX, No. XXXX ( 4th Cir. 2016 XXXX : : XXXX ... Federal Courts Courts of Appeals Fourth Circuit 2016 Plaintiff filed suit against XXXX, alleging claims of " unconscionable inducement '' Should not Ocwen be compelled to negotiate a Loan Modification based upon Current Market Value??
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| 07/06/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Ocwen Loan Servicing pretender lender loan services committed numerous violations of Federal consumer financial laws that have harmed borrower. Ocwen and opposing counsel failed to verify the void assignment, the bogus substitution of trustees, improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. Ocwen 's opposing counsel XXXX XXXX is assisting the pretender lender loan servicer with embezzlement by claiming to have personal knowledge and have looked at all the documents claiming all them all to be true and correct to proceed with fraudulent sale. This is nothing more then fraud upon the court. Ocwen has compounded these failures by illegally foreclosing upon the pretender lender loan borrower without fully disclosing or correcting errors in borrowers pretender lender loan servicers files. Ocwens use of inaccurate and incomplete information to collect mortgage, tax, and insurance payments, communicate with borrowers about loss mitigation issues, proceed with foreclosures, whether the prior servicers corporate advances or fees for servicing-related expensessuch as attorneys fees, property inspection fees, property preservation fees, force-placed insurance charges, and foreclosure-related expenseswere valid and actually owed by borrower and when selling the servicing rights of borrowers loans to new servicers has resulted in significant harm to borrower. Ocwen 's Consumer Ombudsman Account Specialist XXXX XXXX who quietly hides her management position from consumers failed to verify the assignment of deed created by a law firm is clearly void, the bogus substitutions of trustees, the bogus American Home Mortgage loan modification. Ocwen charged borrower for these charges and fees, even though neither Ocwen nor the prior servicer had invoices or other documents to support these charges and fees, and even though Ocwen was receiving disputes from borrower several times claiming that these charges or fees were not owed. Ocwen was on a mission to embezzle the pretender lender loan servicer borrower to increase its revenue while the borrower was under the care of his physicians Ocwen Loan Servicing and opposing counsel used its cozy relationship with XXXX as a weapon against XXXX borrower attempting to embezzle property threatening the borrower with fraudulent trustee sale taking place in just days if the borrower refused to sign hundreds of thousands of dollars in increase none negotiable loan modification releasing the pretender lender loan servicer from liability. The borrower was left with no option other then to sign the bogus settlement agreement under extreme duress at the time under the care of his physicians to avoid fraudulent trustee sale. Recently during pending litigation the pretender lender loan servicer and opposing counsel are once again attempting to embezzle borrowers property to increase its revenue ignoring pending litigation threatening the borrower with fraudulent trustee sale using the pretender lender loan servicers bogus loan file. The borrower is once again left with no other option other then to apply for assistance with the pretender lender loan servicer to avoid fraudulent trustee sale until litigation is resolved.
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| 11/25/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX my wife and I bought a home. Our first mortgage is through American Home Mortgage interest only loan with an interest rate of 6.5 % fixed until XX/XX/XXXX for XXXX. Our Second loan is a principal and interest loan for XXXX at an interest rate of 8.125 %. Our loans have been sold multiple times throughout the years. Currently our first mortgage is with Ocwen and second mortgage with XXXX. The plan was to refinance in years however, the housing market crashed and we have been unable to do so. We have tried multiple times to refinance through, XXXX, Close your own loan etc. to refinance. However, our home is underwater. Our formal appraisal in XX/XX/XXXX came in at XXXX. We currently owe XXXX. Each lender has requested approximately 68,000.00 at closing in which we are unable to obtain. I am attempting modification through Ocwen Financial. I originally submitted package on XX/XX/XXXX with the assistance of a HUD advisor. I phoned Ocwen on XX/XX/XXXX for update. I was told at that time needed spouse signature on XXXX form which instructions stated did not need. The rep stated this was all that was needed to process Modification and confirmed that also with my HUD advisor. I phoned for update on XX/XX/XXXX in which the rep stated needed XXXX returns not XXXX and in which I had put on form as instructed prior. XXXX updated and re submitted. By XX/XX/XXXX we will have paid almost the principal in interest only with no principal. According to the Ocwen Rep our interest rate will either increase or decrease by 2 % in XXXX and can go as high as 11.4 % or as low as 2.4 %. As of XX/XX/XXXX the Ocwen rep unable to give projected amount. I am not certain we will qualify for modification because they look at our income based upon this loan only and not overall income to debt ratio. This is absurb we will have paid almost the entire loan only in interest and then depending upon their modification if any they will want us to pay even more toward principle which will potentially double or triple the total amount we pay on the loan. Also, I am making no progress in the modification process as each time I call one Ocwen rep states everything in order to complete process, then when phoning again to assure they have received my documents a different rep states some line has n't been signed or a date has n't been entered. When filling out paperwork for modification I filled out the Making Home Affordable application package and spoke with a HUD advisor of all information I had completed. Ocwen continues to give me the run around after I have submitted all completed documentation as a stall tactic. All of this and I continue to pay only interest with no resolution. Our home is a custom built home which is to increase the value of our home. Currently across the street 3 new homes are being constructed through XXXX. These are not custom homes they are pre-fabricated homes therefore further decreasing the value of our home. I need a resolution to our mortgage in order to save our home. We are current and have been current on our mortgage the entire time. I spoke with a gentlemen from XXXX out of California who states he can decrease my interest rate on both loans to 2 % fixed forever and decrease 10 % of 1st loan for a fee of XXXX for first loan and XXXX for second loan. I am unable to pay the fee at this time.
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| 06/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have title of my families home and have been in charge of the mortgage for over 15 years I received one of the first modifications many years ago. The loan is originally under my grandmothers name with me deemed successor of interest of the loan.
I have title of my families home and have been in charge of the mortgage for over 15 years I received one of the first modifications many years ago. The loan is originally under my grandmothers name with me deemed successor of interest of the loan.
My home is currently listed publicly in foreclosure, last year I applied and was approved for a loan modification in which I completed all my trial payments in XX/XX/XXXX the loan company then said I needed to assume the loan since for all these years Ive been listed the successor of interest in my home loan.
Upon submitting the documents for the assumption I was denied for the assumption due to the fact that the homeowners insurance which is paid through the mortgage would not update the policy to have my name on it because the mortgage company wouldnt list me on the mortgage until the insurance company listed me on the insurance.
My relationship manager with the mortgage company told me this would only take a matter of days and be an easy fix in an email with the mortgage company Ive now been told my assumptions been denied I did re-submit the assumption they stated that will take a additional 60 days and then they stated that my modification has been denied.
I was not expecting this.
Modification finalized payment is truthfully above level of affordability so now I would like to seek my options and see if I could be approved for a refinance to achieve the lowest monthly payment possible.
Due to the modification I did file bankruptcy, XXXX XXXX, and that was finalized in XXXX.
Notes - Successor of Interest of the home loan - Granted from XXXX years ago - Modification Application- Approved- XX/XX/XXXX Modification Trail Payments- Completed XX/XX/XXXX Succesor of Interest - Re confirmed by mortgage company - XX/XX/XXXX Insurance Policy - Renewal from mortgage company - Incorrect policy holder - XXXX Assumption Packet - XX/XX/XXXX Succesor of Interest -Re confirmation letter by mortgage company - XX/XX/XXXX XX/XX/XXXX XXXX updates to application for assistance- Two Unspecified email received stating updates to application for assistance. When calling in regards to this message received no updates where giving Modification Application - Resubmitted by mortgage company - XX/XX/XXXX Relationship Manager- Appointments made with Relationship Manager - Upcoming Appointment - XX/XX/XXXX - XXXX pm - XXXX pm Past Appointments - Recent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Phone Calls made - Recent XX/XX/XXXX - Research submitted to reach department- on XX/XX/XXXX Modification Application - No Updates Assumption Application - No Updates Please read - Outcome - I believe the best outcome would be - My assumption to be completed so my home loan is fully finalized under my name, my modification to be approved and finalized since Ive already completed my trial payments from XXXX XXXX and XX/XX/XXXX. My home loan term length 30 years including property insurance My monthly mortgage payment to be under {$2500.00} monthly in my interest rate to be a fair market interest rate Thank you
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| 07/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Complaint With CFPB : On XX/XX/XXXX, 2017 CFPB filed a complaint against Ocwen for various reasons, some of those reasons are very similar to my complaint ( s ). There are several reasons for this complaint against XXXX and Ocwen, not solely against Ocwen. I am making a complaint and asking CFPB to intervene. 1. We entered into settlement negotiations with Ocwen based on their non-ownership. 2. Ocwen has suggested to modify the loan and/or other loss mitigation resolutions with an appeal option but instead cancelled my application without notice, review, contacting owner/lender or XXXX. 3. A foreclosure suit should be dismissed and or continued to be stayed until a resolution is made between both parties based on their non-ownership. 4. They do n't own the note and mortgage and never provided an accurate validation of debt of ownership. Please reference foreclosure complaint and attachments. 5. There was {$150000.00} forgiven by XXXX - and based on what XXXX and Ocwen are suggesting is owed would prevent us from selling our home without a short sale. XXXX filed a complaint for foreclosure against me ( attached ). This complaint has no merits ( attached ). They claim to own my note via XXXX but the note and land records prove they do not own the note and mortgage ( attached ). Their foreclosure complaint and XXXX ( attached ) even concedes that XXXX owned both the note and mortgage. This is important as XXXX never assigned the mortgage to XXXX and their standing of XXXX was transferred by XXXX XXXX who was not authorized by XXXX to transfer via XXXX on XXXX behalf and has been linked to several false statements and errors in foreclosure cases ( attached ). If XXXX owned the note and mortgage they would need the necessary assignment from XXXX to XXXX and then XXXX to XXXX and the note would have had to be endorsed from XXXX to XXXX then endorsed from XXXX to XXXX then XXXX to XXXX. Additionally, XXXX forgave {$150000.00} prior to them transferring servicing rights to Ocwen and Ocwen acknowledged the forgiveness in the statement ( attached ). Based on the dispute we began to enter into settlement negotiations base on 2 previous complaints with CFPB about ownership and their lack to provide a validation of debt. This agreement was a initially purposed for approximately {$300000.00} then changed to {$260000.00} for loan purposes. There were some title issues that prevented the settlement offer to be complete and another request for 30-45 days after loan pre-approval by the lender to close and 30 day settlements granted but the title issue still remained and was unable to close. In order for this settlement to work we would need to be granted approval of the amount and 30-45 days after gaining approval from the lender. Lastly, Ocwen on 2 separate occasions has stated that the lender may have interest to modify the loan ( attached ). However, they refuse to check with the owner of the loan to see if a modification can be established. Instead they sight a prior note in the computer dated prior to the letter dated X/XX/17 and cancel the options to mitigate without contacting me or XXXX or lender based on negotiations discussions for a settlement. I should of been granted all options based on their X/XX/17 correspondence and solicitations
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| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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STATEMENT OF FACTS : On XX/XX/XXXX my wife and I bought the property at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX as an investment property. From the date of purchase to the present time, we have been paying the mortgage, interest, taxes and insurance XXXX XXXX XXXX. At first, our mortgage payments were being made to GMAC, our original mortgage company. In XXXX, we received a letter instructing us to start sending our mortgage payments to Ocwen Loan Servicing, which we did. Then in 2019, we again received a letter with instructions to send our mortgage payments to PHH Mortgage Services, which is our current mortgage servicing company. We just recently learned that GMAC sold our loan to Ocwen effective XX/XX/XXXX, and Ocwen merged with PHH on XX/XX/XXXX, which resulted in PHH Mortgage Services becoming our current loan servicing company.
On XX/XX/XXXX, we signed a Real Estate Listing Agreement with a Realtor who immediately proceeded to market the property. We immediately received many offers. In the meantime, the Title Company started to look into the deed records, and on XX/XX/XXXX, we were informed that we could not sell the property as we " did not own the property ''. The records showed title was in the name of XXXX XXXX XXXX XXXX XXXX XXXX, not in our name, and that there was a record of foreclosure in XXXX. Our records indicate that this foreclosure action was cancelled when payment was made to GMAC on XX/XX/XXXX prior to the trustees sale. GMAC confirmed receipt of the XXXX on the same day, and we were assured that the default was cured.
Shortly after being notified by the title company about the ownership issue, we immediately contacted our current mortgage servicing company ( PHH ) and asked for clarification. We were told that no action was necessary because it was normal for title to be in the name of the Investor, in this case XXXX XXXX XXXX XXXX XXXX XXXX, and that title would not transfer to our name until the loan was fully paid. We disagreed since this is the first time we are hearing this, after having sold a number of properties ourselves in the past. Additionally, the title company was certain that the title had to be in our name before we could proceed with the sale. We were also told by PHH that there was nothing that would prevent us from selling the property the way the records were showing, i.e., without correcting the ownership on record. We asked for copies of the Deed and the Note associated with the property, and the copies we received were the ones we signed when we purchased the property in XX/XX/XXXX. Further, we did a search at the XXXX XXXX XXXX Clerk 's Office for any record of foreclosure for the subject property in XXXX, and none was found.
For months we expressed our concerns, spoke with three different PHH representatives, had 3-way telecons with PHH and Texas Title, were told they were doing the research, were told they were verifying the records to dismiss the erroneous entry, were told we could go ahead with the sales process, only to be told later that we could not. Finally, the most recent communication we received was an email from PHH dated XX/XX/XXXX stating that they were taking legal action which was creating a delay. There was no mention as to who they were taking legal action against, but advised us that it could take up to another 60 days.
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| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have had trouble with this company charging bogus charges to our account to create a number of late charges, every month its the same charges so now they have run up about XXXX dollars worth of charges for certified email and property inspections, we have live on this property for 25 years and only owe about XXXX dollars on it, this loan company OCWEN no has been calling several times a day all week long and several times a day over the weekend, we have recei ved 5 calls from them in 2 days with some person who can hardly speak English, we have explained our situation to them and we do n't need to try to get a loan modification they harp on it every time they call, then they want us to pay a down payment on a payment program and I explained several times if we are having trouble at XXXX dollars a month why would I want to commit to XXXX dollars a month sounds like a trap to me. and then this afternoon a person came to the front door and knocked my wife ask if she could help her and she said she wanted to provide some information, my wife asked for identification and this female would not identify herself of what her intent was, she asked her to open the door which at this point in time my wife was on the defensive, this person would not identify herself or what her mission was and all she did at this point was poke and envelope in the screen of the front door and ask is this XXXX my wife would not answer, still no identification and she left, when I arrived home I opened the envelope and all that was there was a number to call and still no identification on who we were dealing with, so at this point I called and it was the mortgage company, I ask what the deal was with this person on the line and he informed me that they had sent out a property inspection person, When I asked why got no good answer when I ask who was paying for that I was informed that it would be added to the late charges since they wanted to verify that we were living at this property, and we have had contact with them all month long, We have asked them to stop with the certified letters that it was generating unwanted fees and it would be more beneficial to send them email since we have trouble with the USPS properly delivering the mail to out remote location, tonight I learned from this individual that ( there is something wrong with your email address ) I said no there is not I get email every day from that email address, and why tonight is he bringing it up and no one else we had contact with is talking about it. I am sorry that at 60 years of age I will not lie down and let this ( Global company as they call it ) run over me and my wife, by today 's standards we do n't owe much but I will not be harassed anymore by these people I need to know what my options in the mortgage arena are, there have been a lot of violations here to collecting debts, We ask that they let us continue to make our regular payment and a little extra until we get this paid off and I can not get a straight answer as to what their intentions are at this time. Please respond to my email address as soon as possible as I feel the need to secure counsel to protect my interest and my consumer rights at this point. I have attached a copy of the statement we receive from them every month with all the ongoing mail charges and other things.
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| 04/20/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Greetings : I initially started the HARP program ( proce ss ) with Ocwen in XXXX . I was told to not make a payment until XXXX . I was to have a trial period o f three mon ths and then I would continue with regular mortgage payments.I actually started making payments in XXXX and continued through XXXX . At the end of XXXX , I was sent a packet that I was to sign and have notarized and send back to Ocwen. This was to be my new payment for my mortgage. When I received the packet, the mortgage amount had gone up {$100.00}. At this point, I did not care. I just wanted to be back on track. I sent the signed and notarized packet back overnight with tracking. Confirmed it was received, but Ocwen s aid they never received it. I was told I had to start the process over and do another packet. I did, they came back and said I had to mak e four monthly p ayments almost twice my regular payment to catch up on my loan. I said I wanted to have the loan modified under the HARP program. They said to send a hand written letter stating I wanted a modification. I sent the letter in XXXX . I continued having phone calls with my Loan counselor an d was told they were working on it. In XXXX , they said they never received the letter and to send the letter with two consecutive pay stubs. I sent the letter along with the two pay stubs. Two more phone calls with my loan counselor a nd was repeatedly told they were working on it. I received a foreclosure letter dated XXXX XXXX . I ca lled Ocwen repeate dly and was told they were working on modifying the loan and would have everything ready for my scheduled phone call with my loa n counselor on Tuesday, XXXX XXXX . Three times I called the week before my scheduled XXXX XXXX phone call and was told " not to worry '' everything was being worked on and would be ready for my XXXX XXXX phone call with my loa n counselor. I c alled on Tuesday, XXXX XXXX to confirm everything was ready and was told no it was not. At this time, I learned they actually did receive the letter I sent in XXXX that they said they did not receive. XXXX XXXX . Talked to a supervisor, XXXX XXXX , agent ID XXXX , and was told they never look at expenses. All they look at is income to determine a payment. I asked him about health expenses and other living expenses, he said that it did not matter. XXXX XXXX . Talked again to my Relations hip Manger XXXX XXXX , and was told that they were working on it. The same thing I have been told since XXXX . XXXX XXXX : Called and left a message for XXXX XXXX , President of Ocwen Mor tgage. He called back and said they the same things everyone else had said ... '' these things take time ''. He could not even guarantee me a phone call by the end of the day even although he is President of Loan Services at Ocwen. As a result of my phone call to XXXX XXXX , I have now received a phone call from a customer advocate who is continuing with delaying. He said my stop foreclosure. I have requested this in writing which has yet to be received. I called the FHA on XXXX XXXX . Within three se ntences XXXX XXXX said " No, no, no. That is not the way the process works. This should not take longer than 30 days. " I greatly appreciate your help with this and want to keep my home.
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| 03/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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OCWEN company has big problems communicating instructions within the different areas of the company, because of that they are causing lot of damage to people like us, the right hand doesnt know what the left hand is doing.
During the past few years we had experience over and over the same problem, problem that is no near to finish specially now that Ocwen stop receiving our payment XX/XX/XXXX.
LAST EVENT : we have several similar issues from years back that we can easily provide as evidence if requested by CFPB but for now, lets just talk about this problem we have this days.
In XX/XX/XXXX we visited OCWEN HQ in XXXX XXXX XXXX regarding trying to keep our payment around {$850.00} per month.
In XX/XX/XXXX with a letter from Ocwen on hand, an escrow analysis and the help of XXXX XXXX XXXX ( covering his name for security ). After looking into the last escrow analysis and related documents, we agreed to pay {$2100.00} to the escrow account to keep our monthly payment around {$850.00}. We gave OCWEN that day a check number XXXX for {$2500.00} with specific instructions please perform a new escrow account analysis once the {$2500.00} are deposited on my escrow account.
What happen was, they never enter that money into the escrow account. We recently learned, they didnt put that money to the escrow account -money was floating/suspense- and because of that, the account became delinquent since that time. No escrow account was ever conducted.
A second terrible mistake was done the same month and year : After discussing with XXXX our situation and insurance possibilities, we decided to change our home-owner insurance from XXXX to XXXX XXXX, we authorized Ocwen to pay the XXXX XXXX insurance for around {$1600.00}, it was paid the XX/XX/XXXX but Ocwen. Even when they knew about it, went on and paid the old insurance company -Universal- {$1600.00} on XX/XX/XXXX ; this terrible mistake increased even worse the difference.
We were told in several occasion during XXXX dont worry about it because we can see the {$2500.00} and the escalation department will properly enter that amount where is supposed to be ; because of that and because this is not the first time this happen, we kept sending our monthly payments on time.
Was sometimes in XXXX that we realized the problem with those two payments. At that point we started to doubt if the {$2500.00} may has entered or not into the XXXX account.
In XX/XX/XXXX we met XXXX XXXX XXXX ( covering her name for privacy ) that looked deep into the account and told us that ; she saw the {$2500.00} and told us once again, looks like is nothing to worry about it. She even help us with the return of the {$1600.00} from XXXX and told us we will receive a check for {$520.00}.
Now we are in a big problem, they returned the last payment from XXXX and we were told that we need to reinstall our account.
We are very much afraid because this is the same modus operandi used by XXXX XXXX years back, we are afraid they will try to foreclose on us and damage our credit history.
Ocwen is a company that definitely doesnt care for their customers, again, one department doesnt know what the other is doing.
Please help us and make this company pay for their constantly miss leading and bad intentions. I dont know how a company like this can get a license to function.
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| 03/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I changed homeowners insurance companies. I contacted my mortgage comapany, PHH, and gave them all pertinent information. I informed their insurance department that I had paid the policy in full, {$1200.00}, and that they should not pay from my escrow account. ( XXXX. XXXX, 2022 ) Two days later I became aware that they had paid the premium, {$1200.00}, from my escrow account resulting in a double premium payment and an underfunded escrow account. I called and was told that the check would clear in a few days and the insurance company would issue me a refund check within 7-10 days. The Insurance company, XXXX, never received the check, and the check has never been cashed. My insurance agent contacted PHH Mortgage on my behalf to request a stop payment and refund. On XX/XX/2022 PHH Mortgage issued my escrow statement showing an underfunded escrow account and raising my monthly payment. I have called every week since then, and each time I was told that they had to do a search for the check and once they verified that it had not been cashed, they would stop payment and refund my {$1200.00} and call me with a verification.After 4 weeks of this same reply, I asked for a manager who could give me results and got the same rhetoric and assurances. In the fifth week of complaints, after my weekly call to customer service, I received a call from an insurance department manager who, for the first time explained to me that my payment was part of a lump sum payment issued that included many homeowners insurance premiums, and therefore they had a policy of a waiting period of 30 days. He acknowledged my frustration in the fact that no one had previously mentioned anything about a 30 day policy despite my many calls, but requested that since there were only a few days until the 30 days were up, I could wait again. That was Thursday, XX/XX/2022. He promised that the situation would be resolved and that he would call me Monday, XX/XX/2022 to verify. I received no call. I called him, XXXX, using the number he presented as his personal line, and twice got a business answering service, left a message, and got no answer. XX/XX/2022, I called PHH customer service again, and we started at square one again. Once again I was told they would have to put a trace on the check, they would make notes, they would call me, When I mentioned the 30 days ending yesterday, they said that my inquiry only started on XX/XX/2022. I was transferred to the escalation customer service rep ( XXXX ) who gave me the same replywe will begin a trace, then to a floor manager XXXX XXXX XXXX ), who gave me the same reply until I mentioned both this complaint and my intention to get legal representation. He then told me that he would begin a process that would have my money refunded by next week and that he would call me Monday, XX/XX/XXXX, to verify. Since I have heard similar promises repeatedly, I do not have high expectations. PHH made the mistake, and they should have corrected it immediately.Their customer service is terrible. Their representative either didnt listen or didnt clearly understand the language so they took money from my account after I clearly explained that I had paid the premium. There is no reason why I should have to wait for a refund and be penalized for their mistake by having my monthly payment increased.
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| 07/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Wells Fargo Bank , NA acted as a trustee in a loan pool ( XXXX XXXX XXXX XXXX XXXX, asset backed securities, XXXX. We filed numerous complaints against Wells Fargo Bank , NA and their various services that were attempting to collect the alleged debt on behalf of Wells Fargo Bank , NA. Some of the reasons that we were complaining was because Wells Fargo Bank , NA caused to be recorded a falsified deed instrument claiming that they received an assignment of the note and deed of trust from Defunct XXXX. The assignment was dated XXXX XXXX, XXXX, XXXX or so years after XXXX XXXX XXXX XXXX lost interest in the note and deed of trust as a result of exiting the mortgage business and ownership of mortgages. We complained so much about the defective documents that XXXX and or others affiliated with the originating of the loan pool satisfied the alleged debt to Wells Fargo Mortgage in XXXX XXXX. Although the debt was satisfied, XXXX XXXX XXXX, XXXX continued to attempt to collect the debt. XXXX eventually sold the property and sent a report of sale/resale to the XXXX County Clerk of Court listing Wells Fargo as the highest bidder and showing the property address of the highest bidder as that of XXXX. After the sale XXXX 's representative/affiliate XXXX placed information regarding cash for keys and a company XXXX XXXX XXXX sent a 10 day notice to vacate the property. On Friday XXXX XXXX, XXXX after receiving the notices we contacted XXXX informing them about the title defects and how Wells Fargo did a substitution of trustee before the assignment was signed and recorded. We requested XXXX in cash for the keys since Wells Fargo had already received payment in full for the property from the pool originators. XXXX denied the request. We then contacted XXXX XXXX XXXX and asked if they reviewed the foreclosure file before sending the notice to vacate and we were told that we needed to contact the foreclosing attorney. Both XXXX XXXX XXXX were asked what party was requesting that they file for eviction and they both responded that XXXX was attorney in fact for Wells Fargo. We checked the XXXX County Land records and could not find any recorded power of attorney as evidence to support that XXXX was in fact acting on behalf of Wells Fargo. Wells Fargo never responds to requests and emails that are sent to them regarding XXXX 's actions. Wells Fargo is attempting to take possession of the property after being satisfied in full for the loan. Wells Fargo is not in possession of the promissory note and deed of trust as they sent all the loan documents back to the originator of the loan pool after they were satisfied by the loan disbursement that they received in XXXX XXXX. Today XXXX XXXX, XXXX we received an eviction notice stating that a Sheriff will perform a lockout on Monday XXXX XXXX, XXXX at XXXX. A company XXXX informed us today at about XXXX XXXX that they will ask the eviction attorney to seek an extension. We contacted the eviction attorney at about XXXX to see if they received the email from XXXX and no such email had been received. XXXX had the property listed on their website as a cash only sale, wherein they would pay a portion of closing costs and title insurance if their preferred closing attorney and title company are used. This is likely offered because of the defects in the title.
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| 05/01/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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PHH Mortgage out of XXXX XXXX XXXX Florida, is not abiding by the agreement they made with me pertaining to a Forbearance Plan for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These three months were to be deferred and the past due amounts would be paid upon the maturity date of the mortgage. On XX/XX/XXXX we received a Deferral Offer from PHH indicating I would need to act by XX/XX/XXXX to acknowledge and approve the deferral offer from them. On XX/XX/XXXX, at XXXX I spoke with XXXX XXXX ID # XXXX ) and told him we would like to accept the Deferral Offer. XXXX told me in order for us to accept the deferral offer, we would need to Make the XXXX mortgage payment. By doing so, this would then represent our acceptance of the deferral offer, and it would then be implemented. I then proceeded to make our XX/XX/XXXX mortgage payment. It was a little higher than expected, and I paid the normal {$890.00}, plus what I think was an activation fee for the deferral of {$17.00}, which brought the grand total up to {$910.00}. The following day I thought I would call simply to make sure the deferral offer was initiated, and my XX/XX/XXXX payment was received. The girl I spoke with XXXX ( ID # XXXX at XXXX XX/XX/XXXX ) didn't know about the deferral offer, and she was very difficult to understand. I told her I would call back. At XXXX I spoke with XXXX XXXX ID # XXXX ) he confirmed our deferral plan was accepted and was going to be effective as of XX/XX/XXXX. On XX/XX/XXXX at XXXX, I was told by XXXX ( ID # XXXX ) my XX/XX/XXXX mortgage payment was applied to XX/XX/XXXX. She also told me that she didn't see that I was approved for a deferral of the XXXX months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I called back at XXXX on XX/XX/XXXX and spoke with XXXX XXXX ID # XXXX ) he told me that the XX/XX/XXXX payment was indeed applied to XX/XX/XXXX. I told him what gave PHH the right to place my intended payment for XX/XX/XXXX on to XXXX? He told me the deferral would now be for XXXX, XXXX, and XXXX of XXXX. To say the least, I have made calls too numerous to count. I have, however, taken the names and ID 's of just about all the customer service reps I have spoken with. Know that most of the reps are completely unknowing of what's going on with my case. I have been told that my situation would be resolved through a thorough review, and to date, after numerous reviews, still hasn't been resolved. In the mean time, my XXXX and now XXXX mortgage payments have not been made per their instructions. What gives PHH the right to default of the agreement I made with them? We were assured we would have no negative credit reporting, or late fees as a result of the 3 month Forbearance Agreement. I have received letters from them they have deferred two months, and I owe again for XXXX. My online account shows I am due for XXXX, XXXX, and XXXX. I don't get it. Per their direction I did everything in good faith. I simply want them to acknowledge the three Month Forbearance Agreement for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then defer those months to the end of my loan as was agreed upon. It seems as though no one at PHH knows what to do with my account. I simply want this back to me now owing for XXXX and XXXX, and continue on with my usual monthly payments. Please feel free to contact me at : XXXX XXXX
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| 07/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH / XXXX XXXX is scattered, each rep we communicate with ( in the past 2+ years ) gives different info. We are informed of details then the rug is pulled out from under us. In the past 9 months the contradiction increased. Here we will cover several more serious incidences of deception, lies, bad advice, contradictions that occurred in the past 2-months ( or so ) as they are ( to us ) a lot more grievous.
Situation; Covid & storm damage ( home is under repairs ). PHH is well aware of this.
In brief...
1, In XXXX, a change lock notice was posted on the home 's door by a company called XXXX ( who works on a call back bases only ). We called PHH who denied any knowledge of this. Then we get an Email weeks later indicating they backed guardian off. More threats & intimidation.
2, PHH hires an appraiser who ( in the report ) claims to be no building inspector. But played insurance adjuster and listed the repairs as ( about $ XXXX we read the appraisal correctly ). Then used these arbitrary figure as a value reduction in his ''official '' report, making it look like we have equity. Others state the damage is $ XXXX. Our attorney is working on the carriers bad faith for failing to pay. ( Another story for another day ) 4, PHH 's Motto '' helping the home owner is what we do ''. But, we are informed we have equity, they can't help. No clear answer.
5 We offered PHH a $ XXXX short pay off / settlement. No counter, out right denied. We offered $ XXXX short pay off. PHH Emailed us stating the investor countered at $ XXXX. We accepted the counter offer. PHH Emailed stating ''we 'll move fwd w/ the settlement ''. A few days later we are informed the investor denied the $ XXXX. Each time we were forced down a garden path, jump thru hoops ( more hardship ) w/ no fruit at the end of the day.
6, We are informed by many many PHH reps the foreclosure was on hold for some unknown reason, not the case as of XXXX. No one at PHH said a word in all our communications.
7, As of this Complaint, no one at PHH will communicate w/ us. We MUST go thru one dedicated party who is failing to address our questions and concerns.
8, We asked why the investor denied their own counter offer? XXXX stated ''We have equity ''. This is Illogical and misleading.
9, We asked, why did the investor make the counter offer if they knew we allegedly have equity? No viable answer came forth.
10, We last spoke w/ XXXX XXXX XXXX stating he will have answers by XXXX, XXXX XXXX. After a dozen calls & Emails to PHH in the past few weeks, it's now XXXX, no response or clarity.
XXXX, PHH keeps sending us USPS mail & Emails that read ( in part ) ''Just because your forbearance is ending, doesnt mean youre on your own. Were here to help you get back on your feet ''. When we make contact w/ the phone # in the communications. We are told, we have equity they can't help or we need to call XXXX. Another series of misleading, deceptive communications that fail to live up to the intended claim.
Note ; PHH works on call backs. These call-backs take days, in many cases appointments are weeks out. We have been displaced and have very limited services. Most communications w/ PHH has been thru Emails. PHH holds fast to ''one size fits all ''. This ''Do n't call us- we'll call you '' attitude is yet another hardship on us.
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| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I have XXXX tax payments due in XXXX, as we have our property split across XXXX townships. In XX/XX/2023, XXXX was paid and XXXX was not. Every time I receive tax bills I scan them and email them to the mortgage tax email group as instructed. I followed up in XXXX as the one was never paid, and was told it would be paid ( now costing more, {$11.00} instead of {$9.00} ). In XXXX, I received a delinquency letter from my tax XXXX in my township stating it was not paid. I called and spoke to a woman who told me who the check was made payable to, a man I can not remember who, and where it was sent. Neither the name nor the address were correct from what is indicated on the tax bill, and the amount was incorrect, the check was for {$10.00}, not nearly {$11.00} as now due. I stated I wanted it cancelled and returned to my escrow account. In XXXX, I paid the XXXX township tax bill that was having issues, and let the escrow pay the other, I never sent them the township bill that was already an issue, only the first township bill. I saw on my account that both township bills were paid, even though I paid the one myself. I called XX/XX/XXXX to ask for a reversal on the smaller XXXX, because I never even gave them the tax bill. I was informed they also receive the tax bill ( so why was the XXXX XXXX not paid? ), and that they would research refunding this payment and the one late from XXXX. Finally, XX/XX/XXXX, I receive an email that the XXXX payment from the XXXX township will be refunded, however the XXXX XXXX will not, and there was a XXXX fee on the account I asked to be returned because the XXXX department is not doing their job I am not paying their fee. I was also told I could receive a letter or fax with a resolution. The entire reason this went on for so long from XXXX was because I never got a letter. I demanded a phone call or email, and they told me they ONLY mail or fax. I pushed and got XXXX phone call which I missed, and have yet to be contacted in return from my XXXX emails and XXXX voicemails.
I was informed the XXXX amount was another tax fee for a duplicate bill, not the check that I was told was issued to my tax department even though I never requested a duplicate bill. PHH is the XXXX that didnt PAY the original bill, and they would not be refunding me the {$10.00} fee in XXXX, or in XXXX.
I have since closed my escrow with PHH and will be paying it myself. I have called 4 times and left a message, and emailed XXXX, requesting information on getting the XXXX XXXX fees back, as the tax agency DID NOT do their job and therefore I refuse to PAY them for no service provided.
This issue has gone on from XXXX through XXXX. My time is not free, and the time put into this issue caused by PHH has exceeded XXXX hours at this point.
They refuse to refund the fees.
I did not apply for a mortgage with PHH. We went with a company, XXXX, which we were familiar with and close to our home. Our mortgage was sold, which should be illegal in this country. If I have to pay closing costs to change mortgage companies, I should have to approve the sale of my mortgage as well. I am now stuck with PHH mortgage, who is NEVER a help, will not let you speak to supervisors, and can not allowyou to speak to their tax department to find out why they arent doing their ONLY job.
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| 07/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Consumer Financial Protection Bureau Submit a complaintComplaint filed Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?
PRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage Step 2 What type of problem are you having?
ISSUE Trouble during payment process HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?
Yes Step 3 What happened?
We got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services, ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending they still say we own XXXX and they did receive some payment and keep say XXXX payment I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
What would be a fair resolution to this issue?
Stop the foreclosure and the sale date and review they account and place us on that XXXX loan mod they say we was given, and tell us how they going file foreclosure with a four year old file with the same people or give us our date in court because in XXXX the case was to be close do to no active on the case and the people that foreclosure on received some payments in XXXX form us after a couple months later they refuse to take our payment a payment in XXXX and the keep refuse payment after some months Step 4 What company is this complaint about?
COMPANY INFORMATION PHH MORTGAGE SERVICES ACCOUNT NUMBER XXXX Step 5 What people are involved?
YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ADDITIONAL PERSON 'S INFORMATION XXXX XXXX XXXX XXXX XXXX ALLOW THIS PERSON ACCESS TO THE COMPLAINT?
Yes About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals.
|
| 04/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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In XXXX I contacted Ocwen to apply for a Making Homes Affordable program. The loss mitigation specialest was willing to help with my request to do a deed in leiu based on my hardship, I no longer wanted a property that I owed more than what it was worth and needed work I could n't afford. Based on my hardship we moved forward, She contacted me every few weeks to advise me and check for documents. All was moving forward well I was told that they accepted my application and that their lawyer would contact me and that an inspection of the property would be done prior to final approval. At this point things began to change and i was contacted by another individual from the bank that was pushing the matter by asking if I was contacted by anyone yet. Latter that evening on XXXX XXXX the lawyers office called to verify my mailing address and informed me of what happens next. She told me after the paperwork is returned they will schedule an inspection and I would be notified when to turn off the utilities. If the inspection comes back clean then the bank would tell them to file the paperwork and that I would have final approval. When I recieved the paperwork I had my lawyer look it over and it was good, It was signed and returned on the XXXX to meet the XXXX deadline they gave me. I then waited for an inspector to call to set an appointment and give him the keys. Communication had stopped and more than a week went by, I was in the dark waiting and not knowing. During this time I made sure the property was clean and any debri was removed, I even painted an unfinished room and replaced some lighting. After a few days away from the property I went to get my mail when a neighbor told me on the previuos Saturday ( XXXX XXXX ) they forced their way in to change the locks this was on XXXX XXXX. My keys still worked on all but the back door which they destroyed with pry bars removing the deadbolt. I called the bank that evening and talked to XXXX in the Deed in leiu department to complain about the damage and never being called.She told me the lawyer ordered the inspection twice but there was a problem with the title and she would email me the inspection report. I never recieved it. I called their lawyer the next day on XXXX XXXX to ask if the paperwork was filed or if there was a problem, she knew nothing and told me the bank orders the inspection and she would call me back in 2 days. In the meantime I complained to XXXX XXXX the inspection company and I got the police report of the forced entry. I told them of the damage and that i had they keys for the locks.They did n't follow through with the complaint. On XXXX XXXX I recieved a letter from Ocwen dated XXXX XXXX saying it normally takes 30 days but there was a problem with my account. I will receive a letter of approval or denial by then. On XXXX XXXX all locks were changed and notices that they controled the property were posted on the doors. I NEVER recieved that approval or denial in writing yet they took the property forcefully rather than how I was told. Once the paperwork was done it did n't matter if I was approved or denied or if they caused property damage. No one will return my calls or confirm. When I access their site no information is displayd other than the property is now REO. What happened to my paperwork?
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| 02/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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I am a retired veteran. I recently took advantage of low interest rates and refinanced my VA home loan through " XXXX XXXX XXXX XXXX ; '' I don't know the means of selection, but " PHH Mortgage Services, acquired my home mortgage in XX/XX/2020 ; with payments beginning XXXX of 2020.
From the time PHH acquired my mortgage, I've encountered problem-after-problem with PHH actually applying my Flex auto-pay to my actual mortgage loan.
The first two ( 2 ) month of the auto-pay, XXXX, went accordingly with PHH processing my payment. In mid-XXXX, I began received calls from PHH Collections department. The matter had been discussed and the issue noted to be on the part of PHH, with my payment funds being placed into a type holding account - and not being applied to my loan appropriately. My PHH payment history dashboard, confirmed that payments were made - but not applied. Each month this is discussed and NOTHING is NEVER done to resolve the issue ; each time I speak with the escalation reps, the matter is supposedly being worked. I've confirmed with my banking institution that funds had been withdrawn from my checking account, accordingly on the XXXX ( XXXX ) and XXXX ( XXXX ) of each month, as agreed in the Flex-payment agreement.
I've spoke with numerous PHH departments regarding this discrepancy ( I was placed on hold and/or disconnected, while being bounced around from department to department ). I spent approx. three ( 3 ) hours on the 1st call ; approx. two ( 2 ) hrs on the second and third call. Each PHH Rep acknowledged to me that funds appear to have been paid on time ; but could not explain why my account reflected Past Due ( approx. 28 days at that time ) - nor could they correct the error. On my PHH dashboard, for the month of XXXX, my account showed a PHH transaction labeled, " Misapplication Reversal '' - that none of the representatives could/would explain to me why they occurred. I was told by the Escalations department that notes had been placed in the system, requesting that my payments be removed from the holding account, and applied to my account. To date this has not occurred ( approx. four weeks from the date of my 1st call ).
Additionally, I was informed that there was some type system error, which effected my account ( Misapplication Reversal ) - but no one in the departments I spoke, were able to explain nor make adjustments. I called PHH customer service number ; the automated system stated to me that my last payment was received on XXXX XXXX ; and the next payment due was XXXX XXXX ( * obviously something wrong with that statement ) PHH Reps I've spoken with : XXXX ( employee # XXXX ) / Debt Collections ; XXXX ( employee # XXXX ) / Customer Relations ; XXXX ( employee # XXXX ) /Customer Service XXXX XXXX ( employee # XXXX ) ; XXXX ( employee # XXXX ) /Escalation Dept ; XXXX ( employee # XXXX ) /Escalations.
PHH representative state that they are working the issue, but I never receive feedback on the issue ( only letters and phone calls regarding " Past due '' payments ). Every time I call them, it's like the stall process starts all over again. I'm paying my mortgage and feel like a hostage to PHH and their flawed processes. I've been paying my mortgage accordingly ( reflected in my flex auto-pay history ). Request assistance.
|
| 02/03/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX of XXXX, Ocwen offered us a modification. We informed them that the monthly pay was still high and that we could not afford it. Ocwen promised to continue with its efforts to find us a more affordable modification.
However, in XXXX XXXX, we received a denial letter from Ocwen denying us a modification and offered us a short sale. Despite the modification denial, Ocwen continued with it efforts to modify the mortgage. They would call or write to us several time to get more information from us which we willingly provided because we wanted to have the loan modified because the house was seriously underwater. {$420000.00} loan on a house worth at best {$280000.00}.
In XXXX of XXXX, Ocwen revived the XXXX XXXX modification that they had initially offered to us in XXXX of XXXX. Keep in mind, that this is the one that we had told them that the payment was not affordable. But now, in XXXX XXXX, when Ocwen could not come up with a new modification, they offered us this modification that we had refused initially.
Ocwen stated at that time ( XXXX XXXX ) that since the documents were already signed by us in XXXX XXXX, that it ( Ocwen ) would go ahead and implement it if we accepted it now in XX/XX/XXXX.They informed us that to get the modification implemented we have to come up with a deposit of {$3000.00} and pay our monthly payment on time and that they Ocwen would reduce the principal balance on the loan by {$91000.00}. This happened in XXXX or XXXX of the telephone calls with Ocwen in XXXX XXXX.
Sometime towards the end of XXXX, we made an enquiry to Ocwen wanting to know why the principal balance as stated on the account monthly statement has not reflected any reduction in the principal balance. This was when we got the shock of our life. Ocwen now says that although paid the {$3000.00} deposit and have remained current in our payments, they would not waive the {$91000.00} as promised because by the time we made that first {$3000.00} deposit that they ( Ocwen ) required of us, to implement the modification, the loan was already considered late. Whoa.
Keep in mind that the sole purpose of paying the {$3000.00} was to implement the modification. They now say that they can only defer that amount and not waive it as promised. There would be no reason or incentive for us to accept a worthless modification as Ocwen now claim, so they lied to us. Why would we consciously accept a modification that was already late ; pay {$3000.00} deposit ; managed to sustain the monthly payment to stay current on the loan with the knowledge that we would get nothing in return? It just do not make any sense.
It should be noted that Ocwen knew that the first {$3000.00} payment that we paid in XXXX XXXX, XXXX and all the subsequent payments were made for the sole purpose of implementing the modification. We would never have made those payments but for the fact that Ocwen told us, albeit over the phone, that it was needed for the purposes of implementing the modification.
We were intentionally misled because Ocwen knew then that there was no incentive for us to accept that modification if it did not include the {$91000.00} principal waiver. So they misled us.
We ask that they fulfill their end of the agreement because we have done everything that they asked us to do.
|
| 09/12/2017 |
Yes |
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- Trouble during payment process
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Web |
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In beginning of XXXX I bought my first home and being a first time home owner I was really careful with all aspects of my purchase, My mortgage broker found 3 companies that would give me this loan and after researching all 3 I picked XXXX XXXX lending because of all the positive reviews that I saw online about them. Less than 2 months after I moved in I got a letter from XXXXXXXX XXXX that they have sold my loan to XXXX XXXX XXXX out of Florida. I did what I usually do and went online to see what kind of company they are and once I saw that they have been sued repeatedly I figured that I had to be extra careful with OCWEN as they seem to be the worst mortgage processing company in the nation. Everything was fine until XX/XX/XXXX, on XX/XX/XXXX I went online to make my mortgage payment like I usually do but the system would not take my payment when I would include my account number that is associated to my loan. I called the XXXX phone number and got XXXX XXXX on the phone, he tried 3 or 4 times to run it and when he could not he transferred me to another team member to see if they can make it work and they could not and I was transferred 2 more times to two other employees and neither of them could run it either and I was send back to XXXX XXXX, he told me to go to my local XXXX XXXX store to make the transfer in person. I drove down to the local XXXX XXXX store and attempt to make the payment there but it was having the same issue, THEY COULD NOT SUBMIT MY PAYMENT USING THE ACCCOUNT NUMBER THAT IS ASSOSIATED WITH MY LOAN ACCOUNT. I called the 800 number again and they advised me to just put my FIRST and LAST name instead of the account number and when they receive the payment they will assign it to the right account. I figured they know what they are doing and made the payment using my FIRST and LAST name instead of the account number as I was told to do, I made the payment for the month of XX/XX/XXXX and XX/XX/XXXX the same way as the there system would not take the payment using my account number.
In XX/XX/XXXX I received a letter from OCWEN stating that I am 3 months behind in my payments and they want to foreclose on my house and when I checked my credit my score had dropped by 100 points because they had reported NO PAYMENT for 90 days. I called them the they would not even want to talk to me unless I would pay them {$12000.00} for the last 4 months of mortgage and penalties.
This is wrong, I paid every month on time and they have destroy my credit score and now they want to foreclose on my house too, I went online and came across a XXXX XXXX article that stated OCWEN was sued in XX/XX/XXXX for exactly this types of actions and they paid fines. How is it that they are still able to do this, destroy people lives and get away with it, all the law suit did is get the lawyers and the states richer the poor defendants that lost their homes got {$3000.00} from them!!? This is wrong, I have never seen such illegal acts that have effected so many people to go as long as this guys have. They need their own episode on XXXX XXXX series.
I want them to make this right, I want them to apply the payments on my account and retract their None-payment report back from the credit agencies and fix their payment portal so this will not happen in the future.
|
| 06/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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Beginning in XXXX XXXX I started disputing this account and the payment history that was reporting. The payment history is completely inaccurate and reporting XXXX different ways with each bureau. I have NEVER paid my mortgage a day late and Ocwen is reporting on XXXX different occasions that I was 30 days late. They are reporting with XXXX that I was late XXXX XXXX 30 days and with XXXX they are reporting me 30 days late XXXX XXXX and 30 days late XXXX XXXX then 60 days late in XXXX of XXXX. Wiith XXXX they are reporting me 30 days late XXXX XXXX, 60 days late XXXX of XXXX and 60 days late XXXX of XXXX. The house was sold on XXXX XXXX, XXXX and they where over nighted a check for the balance. I 've disputed the account will all XXXX credit bureaus on XXXX separate occasions as well as I 've written to Ocwen requesting a detailed payment history on XXXX different occasions. I finally decided to call them on XXXX XXXX, XXXX and I ended up having to speak with a supervisor because the customer service representative could n't locate any information at all pertaining to my mortgage. After speaking with the supervisor, he informed me that they had changed systems and when they did that, they lost alot of information. He stated he would be getting with the corporate office pertaining to my complaint and he would get back to me which he did in fact do no XXXX but all he stated was that he was still researching and it was taking longer than he thought and he would contact me again once he found out the outcome. I reached out to him again a couple days later and left him a voicemail and he called back stating he was still unable to locate any information on my mortgage. His name I 'm unsure of because it 's foreign but his number is XXXX then press the option XXXX and the extension is XXXX. To this day I 've yet to hear from him again and since it 's been over 4 months with multiple attempts to get this corrected with both the bureaus and Ocwen, I 've had enough. I simply want to receive the positive credit that is well deserved for always paying my mortgage on time. I DO N'T want the account removed I simply want it updated to reflect accurate information. It 's very disturbing to me that Ocwen has continued verified inaccurate information on XXXX different occasions even though they have no records of the account. It makes me wonder how many loans they are servicing and how many peoples lives they are affecting who do n't know what to do to resolve the issue. I should be able to dispute information on my credit report that is INACCURATE and have it updated within the time frame allowed rather than having to spend my time chasing them down and ordering old bank statements and waiting on hold for hours. The bureaus need to be held liable as well for allowing them to continue to verify information without solid evidence. I hope soon that someone recognizes the impact the bureaus and the creditors have on peoples lives and how they are allowed to do what they want without following proper protocall and obeying the laws set in place to protect us as the consumer. This is extremely disturbing to me since I 'm not trying to purchase a new home after my divorce and my interest rate etc. is being affected by the incaccuracies they are continueing to " Verify ''
|
| 03/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
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My mortgage loan is with Ocwen Loan Servicing. They are very confused and disorganized. I have tried on multiple occasions to resolve my delinquent payments caused by loss of income and ran into XXXX roadblock after another. I was told I was approved for a program and tried to make my payments, but Ocwen misplaced/lost/refused to accept them. To this day I am not sure what happened, and apparently neither are their employees. This is beyond frustrating. I feel like I am literally in a black hole trying to deal with them, I have sent in multiple payments that have been returned, completed the modification approval paperwork and submitted the payments a second time only to have them returned. I demand that things change, I demand that Ocwen start treating my case as a priority, I demand that this get straightened out.
I bought this house brand new and at the building site they basically steered me to us the " in house lender '' so I could get the incentives. Well this company basically shoved me into a very predatory adjustable rate loan through XXXX XXXX with a payment that began adjusting literally every month. It went up over {$600.00} a month which definitely overextended me and put me in a bad position, but I had a plan that would increase my earnings and put me in a better position. I had worked as a XXXX for XXXX years and retired in 2010 and used my savings and profit sharing to go to school to get my XXXX. I had been promised by people in the business that I would make a lot more money going this route than staying with the status quo. I got XXXX and started working for a company as a XXXX. Unfortunately, this was not as advertised. I could not make much of a steady income. This just did not pan out, and my income dropped precipitously and I could not keep up with my mortgage payments.
I began trying to work with your Ocwen towards a modification. This was a long and grueling process. My income was still low so I ended up going back to XXXX and started working as a XXXX. XXXX Bank. Finally I got approved for a modification with a new payment of {$1300.00}. I wanted to be sure to honor this agreement and took out a small loan against my pension with XXXX in order to have all of the funds available on time.
I never received a statement or payment coupon indicating when the first payment was due. I simply received a letter from Ocwen the last week of XXXX regarding the first payment date of XXXX XXXX and I sent the payment out immediately. Ocwen did not cash the check. I received another letter stating that the next payment was due on XXXX XXXX so I mailed in that payment immediately, well in advance of the due date of XXXX XXXX. Ocwen did not cash this check either.
A couple of weeks later I got a package that asked me to sign for the modification and stated that I needed to pay {$2600.00} in order to be get the modification reinstated. This is the amount that I had already paid to Ocwen, but my checks were sent back along with the paperwork so for some reason they were not cashed. I then sent the paperwork back along with payment but once again my checks were sent back.
This is ridiculous. I have demonstrated that I wanted to accept the modification and sent in my payments, but due to the disorganization of Ocwen I am declined.
|
| 05/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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We contacted our mortgage company, PHH Mortgage, to request the cancellation of our Private Mortgage Insurance ( PMI ) as we have had the loan for more than two years and we believe our loan to value ratio is now high enough to warrant PMI cancellation. PHH sent us a letter dated XX/XX/XXXX outlining the requirements for cancelling the PMI and informing us that we must return their enclosed request form along with a check or money order for a BPO/Appraisal fee of {$100.00}. The letter states that these items needed to be returned within 30 days from the date of the letter and it further states that Upon receiving the PMI Cancellation Request form ( enclosed ) and the property valuation fee, the vendor will facilitate an interior or exterior valuation of the property. We must receive the fee to schedule the valuation. We completed the required form and wrote a personal check for {$100.00} per the XX/XX/XXXX letter and mailed them to PHH Mortgage. On XX/XX/XXXX, our check for {$100.00} was cashed by PHH ( according to our bank ), an action that we understood constituted PHH accepting our payment ; we expected that the property valuation would be facilitated at that point, based on the information in our written agreement with PHH dated XX/XX/XXXX. On XX/XX/XXXX, we received an email from PHH indicating that the price for the BPO/Appraisal fee had changed to {$150.00} effective XX/XX/XXXX and stating If you still wish to request PMI removal and have not yet returned the requested form, please send the completed form with a check or money order for {$150.00} made out to PHH Mortgage to :. Since we had ALREADY submitted the form and made payment per the agreed upon price in the XX/XX/XXXX letter, we did NOT send an additional {$150.00} as requested. My husband then contacted PHH via telephone and explained that we had already submitted payment and PHH had accepted that payment. PHH informed us that they required an additional {$45.00} from us in order to facilitate the property valuation ( not an additional {$150.00} as their email stated ) and that there was nothing they could do as the vendor changed the fee. The conversation ended with an escalation manager ( named XXXX ) indicating that she would contact the PMI team to register our dispute and would reach back out to us within a week ( by XX/XX/XXXX ). On XX/XX/XXXX, we received an email from PHHs XXXX Department advising us that they required an additional {$45.00} for the BPO/Appraisal due to the XXXX XXXX fee increase of XX/XX/XXXX with no additional information other than how to file a complaint with the Oregon Division of Financial Regulation , which we did. We believe that PHHs letter to us dated XX/XX/XXXX constitutes a contract ( with which we complied within the required time frame ) and that PHH is in breach of contract. The letter contains no specific language ( nor anything resembling it ) that the price listed for the property valuation is subject to change. This appears to us to be a classic bait and switch situation and we do not believe PHH is acting professionally, ethically, or perhaps even legally in not acting in compliance with the terms of their written contract with us and refusing to facilitate the requested property valuation after accepting our payment for doing so.
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
I have attached documentation of the major correspondence with PHH but in Short : I was offered a modification with PHH on XX/XX/2022 which was due on XX/XX/2022, however, when myself and my Housing Counselor reviewed the numbers on the modification with PHH they simply did not add up. We contacted PHH numerous times to try to get an explanation of the numbers but each time we were just given the " Company Line '' with no real explanation. Finally, we asked to talk with a supervisor, and we did talk with XXXX ID # XXXX and she agreed with us and said she would escalate it for us. We also talked with another supervisor XXXX, ID # XXXX and he also agreed and was trying to get an explanation of the numbers as well. We made it clear that we would not sign any documents without a full explanation of the numbers and how they came to them. We were told on multiple occasions that the deadline would be extended and that a " new agreement '' would be sent to me.
In the meantime, the deadline for accepting the modification had passed and I never did receive the " new modification agreement '', which we have been fighting with PHH for three ( 3 ) months to get this resolved. I told them that by now the document was stale and that I would need a new agreement to sign, once I received the proper documentation of how they came up with their numbers, especially the balloon payment. Then, on XX/XX/2022 my Housing Counselor received a letter from PHH ( see attached letter ), which I never received and should have been sent to me first, giving a partial explanation of the numbers but not everything that we had been asking for. Also, the letter stated that I was denied, and the offer withdrawn because I did not sign the document in time. It is on record ( on PHH 's recorded conversations ) that they would extend the deadline for acceptance to give time for PHH to come back with the explanation of the numbers and for us to review them, none of which PHH ever did. Now, per their latest letter, they stand by their original decision and our appeal has been denied. Now, my only options are a Short Sale or a Deed-in-Lieu.
PHH has had a long history of playing games with homeowners, acting in bad faith, and doing things that are clearly not acceptable and I do believe that in my case they are doing exactly those things. Also, we have had several scheduled phone calls with PHH where they never show up for the call, which is just a waste of time for me and my Housing Counselor. Which just shows their lack of concern for the customer. We have acted in " XXXX XXXX '' with PHH and have provided everything that they have asked for in a timely manner, except for the signing of the modification agreement, which has already been explained. I am more than willing to pay my mortgage, but I simply need some assistance from PHH to do that. I also successfully completed my four ( 4 ) Trial Payments prior to this.
I have requested repeatedly from PHH and their attorney 's that I be provided a copy of the mortgage note on file at XXXX XXXX XXXXXXXX who is the mortgagor on file per your website but they have failed to do that.
My Housing XXXX is : XXXX XXXX XXXX XXXX XXXX Department of Housing and Human Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/24/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
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Web |
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I am in the process of refinancing my home. This will lower my interest rate and payoff other debts including back real estate taxes that where delayed due to a Chapter XXXX bankruptcy which has been discharged.
So this refinance is very important to me because it will greatly improve my financial status.
Problem ... the title report shows an old lien ( 2nd mortgage HELOC ) that was resolved during my chapter XXXX bankruptcy. This lien was sold/ transferred to Ocwen Loan Serving by XXXX XXXX XXXX during the bankruptcy period.
We have been UNABLE to get Ocwen to release and report this lien as closed on the title report. Therefore I have Not been able to refinance. My rate lock expires on XXXX-18. But I was able to pay for a 15 day extension, costing me {$420.00}.
My title company made this request in XXXX-18. The title company has repeatedly emailed and called to get a response. Owcen keeps delaying!
I also called them and was told that the old HELOC loan was closed and they will send me a letter the next day ( email or fax ) to verify this. This was approx 10 days ago. So I called again, 2 more times and now I keep getting delayed.
Time is of the essence. I need to have OCWEN officially close this lien so I can refinance.
It seems they are purposely delaying or their records are in shatters!
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- contact dairy made by Title company : XXXX received the Wet signed Borrowers authorization and servicing letter stating this was transferred to Ocwen XXXX emailed a request to Ocwen at XXXX with a copy of the Borrowers Auth, service letter, commitment and copy of the Deed of trust. ( added copy of email ) XX/XX/XXXX called XXXX at XXXX to get an update on the release and was advised needed at least 10 bd and to call back on XX/XX/XXXX to get an update- would not even verify if they received my request.
XXXX- received you email with updated stating that the client reached out to obtain release and they were sending client a letter and you would send to me when they received XX/XX/XXXX called Ocwen at XXXX to get an update and they stated they needed a couple of additional days they were still working on request.
I hope this helps.
Thank you, XXXX XXXX XXXX - Title Clearance Anlst Sr XXXX XXXX | XXXX, MI XXXX ( XXXX ) XXXX ext. XXXX toll free ( XXXX ) XXXX direct | ( XXXX ) XXXX direct fax XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I tried to also reach out to Owcen since mt title company was not making any progress.
my contact diary : My first call, I talked to custom service either XXXX- or XXXX-18, and was confirmed of clear status and letter to confirm was to be send out by the XXXX. Then talked to dolphine id # XXXX last Tuesday XXXX since no letter was received, Was told to wait another day. Then I called again ... talked to a male and then escalated to a manager ... XXXX id # XXXX and was given email address XXXX Still no results!
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Note : some documents show my former married name : XXXX XXXX.
|
| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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I really did not see which one I needed to choose from so I chose this one. I am currently with PHH Mortgage. I have been with them for a few years now. My mortgage loan has my name and my ex-husband 's name on the loan. My ex-husband has no interest in the house per the divorce decree as well as signing a quitclaim deed. My ex-husband has remarried and now he and his current wife are in bankruptcy because his name/social security is still attached to this mortgage I have had nothing but problem after problem with PHH Mortgage since XXXX of last year. I have been paying this mortgage and I received my 1099 this year showing that I only paid {$29.00} last year for the entire year of XXXX. Whenever I call PHH Mortgage and I put in my last 4 of my social it's not saying that I have paid anything each month but I am current, that sounds crazy, all of this is because of my ex-husband 's being in his bankruptcy. I am not able to see anything regarding my mortgage loan due to my ex-husband being in bankruptcy. I am not in bankruptcy and I am the one who has been paying the mortgage on the loan with PHH Mortgage, not my ex-husband. I am currently trying to refinance my house and pull money out of my escrow to do some renovations. I began this refinance process in XXXX and here it is XXXX. I had to pay for an appraiser and once the appraiser came out she sent a report that stated I had to have work done on my basement before I could close on my house. I had the work done that they requested. The lenders requested a payoff from PHH Mortgage for the 2nd time, now this last request was originally sent on the XXXX and they sent them the appraisal and final inspection on the XXXX. Today marks the 7th business day since the XXXX. I called PHH Mortgage today XX/XX/XXXX, I spoke with XXXX Agent ID # XXXX, she is with the escalating manager 's team. I requested to speak with XXXX XXXX ID # XXXX because I spoke with her last week as she is the 1st person that I have spoke with at PHH Mortgage who speaks clear English that I can understand. Also, they have my name wrong on the account, the way my name is on my driver 's license and social security is not the way they have it somehow they have mixed up my name, switching my middle name and last name making my middle name be my last name and my last name my middle name. I have been asking them to correct it since last year and that has yet to happen. It seemed to me that XXXX was really trying to help, but per the call with XXXX it is a process to getting a payoff and my payoff is not a usual payoff. As mentioned before trying to get the payoff from them has been worse than pulling teeth and it has been the lenders that I am dealing with their 2nd time that I know of maybe their 3rd time trying to get a payoff from PHH Mortgage. PHH Mortgage has been unresponsive to getting my payoff to the lenders who are requesting it. I feel like PHH Mortgage company is holding my loan hostage for me to continue going through the issues that I am going through with them. I am trying to get my ex-husband 's name off my house. I do not want to stay with PHH Mortgage company. I NEED HELP GETTING THEM TO SEND MY PAYOFF PLEASE. They are holding my refinance loan up. SOMEONE, PLEASE HELP!!!
Signed Upset & Frustrated consumer
|
| 10/24/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My mother XXXX XXXX past away six years ago after a long battle with XXXX XXXX. Unfortunately she was behind on all of her bills at the time. At the time of her death her first mortgage was in foreclosure. After she past I ( XXXX XXXX ) was able to get the mortgage reinstated with XXXX XXXX. About after two years of the mortgage being reinstated, I tried to refinance the home and this is where the trouble started. At this time I was notified that Ocwen Loans had a lean on the home in my mother ( XXXX XXXX ) name. I contacted Ocwen and was unable to reach anyone that had the authority to help me reinstate the mortgage or that spoke English. At some point a law office contacted me with foreclosure paperwork. I spoke with a manager in the law office and expressed my willingness to work with them to resolve the issue. Please note that at this point I never even questioned the validity of the debt. She informed me she would contact Ocwen and get back to me. About a month went by without hearing from the law office. I then started trying to contact the manager from the law office. About a moth or so went by when I was finally able to find out that they no longer were representing Ocwen. The same cycle started all over again with Ocwen until one day I found foreclosure paperwork taped to my front door. I then stared trying to work with Mr XXXX from XXXX XXXX XXXX to resolve the issue with Ocwen loans. At this point I informed Mr XXXX that I could give Ocwen {$500.00} to reinstate the loan. Mr XXXX informed me that Ocwen said no to reinstating the loan. Over about the next two years we went back and forth to court as this loan went from {$23000.00} to over {$45000.00} as we continued to fill out paperwork to reinstate the loan. Only to be told we didnt submit something to to resubmit all of the paperwork all over again and again. At one point they said I had not submitted the death certificate for my mother and rejected the paperwork and told us to resubmit again. Now this is important because they would not have been allowed to talk to me by law about my mothers loan if they had not had the death certificate already. On or about XXXX XXXX XXXX Ocwen made an offer of reinstatement and assigned me a relationship manager and gave me a phone number and an email to contact her at if I had any questions. I tried over and over again to contact this person with no results. In late XXXX we were in court when I talked to Mr XXXX and explained some of my concerns and that I wanted to except the offer but had some questions and Id feel better if I could talk to someone at Ocwen! Mr XXXX stated that he had just talked to his clients rep on the phone and that the offer was still good but that I needed to except it that day. He gave me another number to call. So we set up another date for court and we went home. On my way home I called the number that Mr XXXX gave me. I got a rep on the phone only to be told that the loan had reached maturity in XXXX of XXXX and it was not eligible to be reinstated. I then made a bunch more calls to Ocwens relationship manager until finally getting a call back from her. She was as rude as could be refused to say give me any information other then that their company would not reinstate the loan and demanded payment in full.
|
| 10/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
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In XXXX, my mortgage was sold/transferred from XXXX to OCWEN. XXXX knew that our mortgage was severely underwater ( mortgage balance more than the property is worth ). Yes, we were a victim of a predatory mortgage loan in XXXX of XXXX with an inflated property appraisal that had our home valued at about XXXX XXXX dollars or more over its actual taxable and marketable value at that time. Our home is further underwater as our XXXX office ( XXXX XXXX XXXX ) has us paying taxes on {$140000.00}. Our mortgage balance is still {$280000.00} at todays ' current date. In XXXX and XXXX, XXXX says they did us a favor by doing an in-house modification ( not HAMP ) but increased our mortgage balance to {$310000.00} with a lot of legal fees and other fees we could not get a clear explanation on. Yes, they lowered our mortgage rate to 4 % with an increase in the mortgage rate set for XXXX XXXX, XXXX at 4.375 % which will increase our payment and not allow for faster reduction in our mortgage balance. We have asked OCWEN XXXX times in the past year to lower our interest rate to 2 % to allow more principal to be paid so if we had to sell the property in the future we would be close to its actual value. Our mortgage is a XXXX owned loan and according to XXXX and Ocwen, it did not allow them to reduce our principal balance or that is what they are explaining to us. Ocwen does have a program to allow for interest reduction which would allow us to gain ground faster to reach our home 's actual value in a shorter period of time. We spoke with a realtor about listing our home for sale and he said it would be best to try and work something out with your mortgage servicer as he said our home would only sale for about {$160000.00} on a good day with a desperate buyer. My wife and I are in our mid XXXX 's and can not see that we can continue a 22 year mortgage payment and principal past 8 to 10 years from now at its current value. We can sustain and keep it up if we were paying more towards the principal and reach the actual value within about an 8 to 10 year time period according to an amortization table and the mortgage at a rate of 2 %. We would like to stay in our home instead of having to go through foreclosure or a short sale and we just received notice that Ocwen has transferred our mortgage processing to XXXX XXXX XXXX, in which XXXX adviser XXXX XXXX stated that XXXX has a ruthless nature in an XXXX XXXX, XXXX article published at this URL : XXXX : XXXX advise us as to what we can do as our mortgage gets traded and transferred and we keep witnessing a non win-win situation.
See this example of service from OCWEN -- -- - According to OCWEN 's mortgage customer website the only statements viewable or obtainable online are from XXXX/XXXX/XXXX on back ... .. Account StatementsMain MenuClick on a date to access an account statement : Statement XXXX this was todays ' date of XXXX XXXX, XXXX when I accessed our account online. I just get transferred from XXXX person to another when calling in at OCWEN 's Mortgage Service Center. XXXX # Again, we would like to continue to live in our home, but can not afford to stay underwater in our mortgage forever it seems with no help since the HAMP and HARP programs have been in existence.
Thank you, Concerned Homeowners
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| 09/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. It was confirmed in XX/XX/XXXX. My Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX was included in the bankruptcy. The bank was allowed payments under the plan of XXXX. I began making payments in XX/XX/XXXX. Up to this date there was no problem with my credit reporting. In XXXX I received a letter informing me that Ocwen was my new servicer and to start making payments to them, which I promptly began doing. I was under the impression that everything was going perfectly with my reorganization for the next year an a half. I had kept everything on time with my bankruptcy never making any late payments to any of my creditors. I then began the process of trying to get another mortgage. It was declined because Ocwen was reporting fluctuating, with no apparent pattern, consistent late pay of XXXX day. It also showed that it was a closed account, but that I was still paying late. Nothing made sense, yet they insisted they were reporting correctly. It ruined my credit at the time and I was denied the mortgage solely because of this misreporting. I promptly disputed with all three credit reporting agencies. I was informed that Ocwen had confirmed that it was being reported correctly and my only option at that point was to contact them. I called Ocwen. They confirmed that were are no missed payments but said there was nothing they could do. Finally after making a complaint to the cfpb they offered to correct the misreporting and to take any negative information off of my credit reports, which they did at the time. I recently pulled my credit and my score was lower than it should have been, given the fact I have never been late on any payment since the confirmation of the chapter XXXX. This was in part because Ocwen was reporting past late but current which is still derogatory. I felt that it could be just an oversight and asked the for the account to be corrected. When I got the investigation results back, once again Ocwen is fraudulently reporting the same thing they were reporting the last time before they " fixed '' the problem. My credit score immediately dropped XXXX points. The representatives have said there is no one to call, if I wanted them to look into it I would have to fax information and wait for a response. I asked to be sent an email to that effect and was told under no uncertain terms will Ocwen communicate via email. I am at my wits end. I have done everything required by me and have abided by all of the guidelines set forth by my Ch XXXX, yet Ocwen, even though I have paid as required has found a way to continue to defraud the system to continually ruin my credit. To date, because of this misreporting by Ocwen which apparently they are not offering any way for it to ever be permanently fixed, I have been turned down for a mortgage and as well I have been declined a loan for a car. I have provided documentation proof of the misreporting on my credit, my bank roster showing consistent payments, and the bankruptcy treatment for this loan as per the confirmed plan. In closing I would appreciate any help you could possibly give to finally clear my credit of the false late pay reportings. I have provided documents, however, I can provide you with any further documentation that you need.
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| 03/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hi. We have been paying the mortgage since XX/XX/XXXX. The actual loan amount was {$130000.00}. We have paid, with no escrow, {$860.00} a month with a 6.8 % interest on the {$130000.00} since XX/XX/XXXX. We couldn't afford the 15 year term, it would have been over {$1000.00} a month. We didn't buy a new house, we bought home where we grew up. One of my brother 's wanted his cash share, so we had to take out a mortgage. I have XXXX brothers. My other brother signed the house over to me. In XX/XX/XXXX, I figured we had finally paid off what we actually borrowed plus {$10000.00} to the mortgage company. You see, 6.8 % of {$130000.00} is about {$10000.00}. The whole out of our pocket money amount we have paid the mortgage company is {$140000.00} for {$130000.00} needed. So, if I go online and check the bill it states we still owe {$100000.00}. In XX/XX/XXXX I filed for a loan modification and was accepted. They never told me what the terms of the loan modification was going to be. I went through the trial period. I finally got the formal papers to sign the loan modification. Remember we have a lien on our property and it is scary. I figured whatever the mortgage company tells me to do, I should do it. I was hoping they would just cancel the rest of THEIR DEBT I supposedly owe. I would like to add finance charge to the extra amount I have been paying them because we paid back the exact amount we borrowed and some. I want 6.8 % of the {$10000.00} plus of which we didn't owe. Okay? Anyway, the modification included escrow, a drop from 6.8 % interest to 3.8 % interest and, low and behold, a balloon payment of {$32000.00} after the loan is paid in full in the year XX/XX/XXXX. Plus, we have to pay about {$100.00} more than the {$860.00} per month. The escrow includes the house taxes and the house insurance. You see, since XX/XX/XXXX until the year XX/XX/XXXX, we will be paying all interest. I also noticed they added about {$5000.00} to the principle during the loan modification which made the total principle due to be {$100000.00}. I looked at the first payment and how it was split up on the bill. The mortgage company subtracted about {$1.00} from the principle and the rest went to interest charge, and then {$300.00} went to the escrow. XXXX DOLLAR AND XXXX CENTS? subtracted from the {$100000.00} principle they say I owe after the loan modification. Right now if you add the balloon payment of {$32000.00} and the {$100000.00} which equals {$130000.00} is more than we actually borrowed. I have never complained to the mortgage company. I asked for the loan modification after I was sure we paid what we actually had borrowed, the {$130000.00}. I figure the escrow is the least they can do by paying the taxes and house insurance out of my money. Isn't that a lot to do? We have been in the loan modification since XX/XX/XXXX and it is XX/XX/XXXX. Just think if we have to pay the mortgage company until the year XX/XX/XXXX, we will be paying more than twice the amount we borrowed plus {$32000.00}. I am in shock and I wish somebody would tell them to go away because we paid back what we borrowed. There is no sense to refinancing. I am home where I belong. I can't afford to go to church. We were not in default of payment to go into the loan modification.
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| 07/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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XXXX XXXX purchased our first home together in XX/XX/XXXX. At that the time we were XXXX years old. We were offered two loans on the mortgage by Option One Mortgage. The first was at {$200000.00} at an interest rate of 8.6 % and a Second of {$50000.00} at 13.5 %. Prior to the purchase of our current home, we were renting a four bed room house with the hope of purchase. We discovered that the the owner set the price beyond our budget. Because my Mother who XXXX XXXX and XXXX son with XXXX XXXX lived with us, we need to find a house right away. We rushed into this house and later discovered that the house was overpriced, had major structural issues and had an interest only. Due to financial reversals, we got behind in mortgage applied for a modification. On XX/XX/XXXX, we were granted a Shared Appreciation Modification ( SAM ). After making several payments, our sources of income were interrupted again. After hearing about predatory mortgages, I heard about robo signing and other predatory practices that affected senior citizens, minorities and economically challenged individuals. In response to this possibility, we wrote a RESPA Qualified Request, Complaint of Debt and Validation of Debt Letter, TILA Request ( XX/XX/XXXX ). Since that time, my position as an XXXX XXXX XXXX ended ( the XXXX closed ). Our income from XXXX XXXX XXXX ended because we house a daughter who has XXXX. We are now confronted with a Foreclosure Sale Date of XX/XX/XXXX agt XXXX in XXXX XXXX, VA. Because XXXX XXXX and I serve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via our XXXX XXXX XXXX XXXX XXXX XXXX XXXX , we applied for another loan modification that would included XXXX XXXX XXXX XXXX with Corporate Social Responsibility in mind. I have made several appeals to XXXX XXXX XXXX, CEO of Ocwen. He referred me to the Ombudsman. Although, a foreclosure date is scheduled for XX/XX/XXXX, I received a letter from XXXX XXXX, Account Analyst, Consumer Ombudsman, Office of the Consumer Ombudsman on XX/XX/XXXX stating that the office will review the issues raised with the foal of providing a written response by XX/XX/XXXX. By the Grace of God, we were given hope, when XXXX XXXX happened to hear about the Complaint, Case No. XXXX against XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/Ocwen Loan Servicing, LLC . In faith and with hope, we submitted a request to Ocwen for the " Prayer for Relief '' as stipulated under Count XIV, Ocwen 's Violations of the HPA. We pray that as XXXX XXXX and senior citizens who serve the community will be granted favor so that we can continue to fulfill the mission of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We are of the belief if the current President was save from bank loans being called ( because of the value of the " Trump Brand '' ) and XXXX XXXX firms were bailed out to save the economy from default, the XXXX are worthy of " Relief '' or " Mortgage Forgiveness '' for the sake of continued uninterrupted service to disadvantaged famlies and give them hope for a better life. Thank you for your help and God 's Great Grace on you as advocates for the people of the United States of America. In God we Trust. Amen!
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| 04/18/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We have filed at lea st two previous complaints with the CFPB on this file. The summary of these complaints are that we have been working on this short sale since XXXX of XXXX . My company sent a SS package on XXXX / XXXX / XXXX complete with an offer and HU D ( attached to this complaint ). Since this time, Ocwen has been dragging their feet on processing and reviewing the documents. The file was still in active loan modification on XXXX / XXXX / XXXX , even though we have requested multiple times for the property to be reviewed as a short sale. Every time Ocwen has requested documents, we have returned them as soon as we received them from the seller. Weeks later, a random representative at Ocwen reviews the file, asks for something else, which then sets the process back a few more weeks. There have been several postponed foreclosure ( FC L ) sale dates since we began this process. All of the above was difficult to deal with on its own, but Ocwen has just made the situation even worse. On XXXX / XXXX / XXXX , my company noticed there was another FCL sale date scheduled for XXXX / XXXX / XXXX . We immediately requested a postponement from Ocwen. The representative my assistant ( XXXX XXXX ) spoke with on XXXX / XXXX / XXXX claimed that the FCL was placed on hold as of XXXX / XXXX / XXXX , despite our records and a follow up call to XXXX XXXX XXXX ( the foreclosing law firm ) confirmed that the FCL sale was still active for XXXX / XXXX / XXXX . I contacted the Ombudsman to get their assistance in moving the loan mod along and the file into the short sale dept. They were unable to help with this. On XXXX / XXXX / XXXX , the representative said that the loan mod package was finally deemed complete as of XXXX / XXXX / XXXX and that it would take 30 days for a review. My assistant, XXXX XXXX , called in on XXXX / XXXX / XXXX to get an update on the loan mod and was transferred to XXXX ( ID XXXX ) who immediately said the property was scheduled for FCL that very day, despite seeing a postponement noted on his end. XXXX and XXXX added XXXX XXXX XXXX on the phone to verify that the FCL postponement was received by the law firm. The Ocwen rep XXXX agreed and stated the new FCL date was XXXX / XXXX / XXXX . He also stated that now there was a new and undisclosed document request still needed for the loan mod, but that he was unable to see which specific docs were being requested and that he would return a call the next day with that information. XXXX called on XXXX / XXXX / XXXX and said that they were unable to stop the FCL sale on XXXX / XXXX / XXXX . He said that the home went back to Ocwen and is no longer in their loss mitigation system. He is attempting to get it out of the real estate owned system and back into loan mod. He also said that we are unable to get any information on what Ocwen deemed to be missing from their current loan mod review. This is a FHA-insured file. Ocwen has once again DEFRAUDED THE FEDERAL GOVERNMENT. In addition, this error by Ocwen has cost us more time on a file that has already taken far too long. Ocwen is ruthless, careless, and senseless when it comes to helping homeowners do the right thing by seeking a short sale.
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| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2020, I contacted XXXX XXXX, the mortgage servicer of my PHH Mortgage to request a forbearance on the mortgage for 90 days due to financial constraints caused by Covid 19. The forbearance was granted for the months of XXXX, XXXX and XXXX, XXXX.
On XX/XX/2020, I again contacted XXXX XXXX and told the representation that I wanted to be removed from Forbearance and made payment in the amount of {$2400.00} effectively paying my XXXX, XXXX and XXXX mortgage payments. Then in XXXX on the XXXX I made an internet payment of {$800.00} for the typical XXXX payment.
I spoke with XXXX XXXX on the XXXX of XXXX at XXXX XXXX requesting to refinance my current mortgage with PHH. XXXX obtained all of the information and after pulling a credit report determined an interest rate, payment structure for the refinance package. Upon closer inspection, XXXX found that PHH still had my mortgage in forbearance and indicated that he couldn't help me with refinance because of it. I explained that I wasn't in forbearance and even though XXXX was with XXXX XXXX who services the mortgages for PHH, that I would have to contact PHH directly to obtain a letter showing that my mortgage was no longer in forbearance. I immediately contacted PHH and after being told that the matter would be investigated, the investigation taking between 8-14 days, I asked to speak with a manager/supervisor. I next spoke with XXXX ( XXXX ) XXXX x XXXX, explained that I had made full payment in XXXX to get out of forbearance and even had made my XXXX payment on line. XXXX indicated that I had been re-enrolled in the forbearance plan on the XXXX of XXXX, but could not explain why. I never was contacted, never requested it and never authorized it. I demanded a letter to give to XXXX at XXXX XXXX showing that I was not in forbearance so that the refinanced loan could be processed. I received an e-mail on the XXXX confirming that my account was no longer in forbearance. I forwarded the letter to XXXX XXXX attention and never heard back from XXXX XXXX, never received a refinance package from him.
I received a letter from XXXX XXXX dated the XXXX of XXXX, showing that I was denied credit and the ability to refinance because I was in forbearance with PHH still. This was the same day that I received the e-mail from XXXX XXXX and PHH Mortgage that I was not.
Not having heard from XXXX XXXX at XXXX XXXX, probably because I was wrongly denied credit by his company, I applied for refinancing through XXXX XXXX. Their loan officer again found that my account with PHH was still under a forbearance plan.
I was very happy that PHH helped me with the forbearance in XXXX. I paid them all outstanding monies owed on the mortgage within the 90 days on XX/XX/2020 with the direct instruction to remove me from forbearance. PHH Mortgage and XXXX XXXX, without my knowledge or approval, re-assigned me to forbearance, in XXXX, even after I had made my normal XXXX monthly mortgage payment to them. Again, why they did this is unknown to me. They claim to have sent an e-mail, I never received an e-mail from them and more importantly, they never received confirmation from me that I wanted to be in forbearance.
Now, everyone that sees my credit report thinks I'm still in forbearance and I'm not.
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| 05/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
The house I live in is scheduled for a XXXX XXXX XXXX sale on XX/XX/XXXX. The property title was transferred to me by Bargain and Sale Deed and recorded in the county register in XXXX by the company that purchased it from the original owners bankruptcy estate several years ago. The mortgage is securitized with MERS originally named as a beneficiary, and a long history of judicial foreclosure proceedings since the first default in XXXX. The note was reassigned and reconveyed according to county records but said reconveyance was rescinded at the request of XXXX XXXX. At one point the court actually dismissed the case, but due to the lack of response of the part of the named defendants at the time, the banks motioned to continue and apparently the judge granted the continuance. My initial contact with PHH in XXXX appears to have accelerated their pursuit of judicial foreclosure, as the dormant XXXX Bank case was resumed shortly afterward and the notice of XXXX sale was posted not long after that.
Since I am not named on the mortgage account nor the writ of foreclosure, and I am not related to the original borrowers nor have they provided a release of information in my name, the servicer has not acknowledged me as a successor in interest in spite of my ownership interest in the house. After contacting PHH by phone, I faxed my deed to the appropriate department as instructed. In their response dated XX/XX/XXXX, they demand authorization from the original borrows to discuss the mortgage account with me. The letter implies that I am attempting to assume the loan, however I simply wish to confirm my status as successor in interest in order to submit an application for mortgage assistance due to a period of Covid related underemployment. I also sent verification of my homeowners insurance to the appropriate email address as instructed by their phone agent. Since then, they have renewed the forced insurance on the property without acknowledging my coverage. At any rate, I am new on the scene but have rights as I hold title to the house and as such I have a beneficial interest at stake.
My primary concern at the moment is to postpone the auction of my home to allow more time to prepare a defense against foreclosure. I am pursuing multiple avenues to address this, including XXXX XXXX XXXX and Covid related assistance. I also would like to hold the bank accountable to prove that it actually has the note and can legally enforce this XXXX. However, with a sale date of XX/XX/XXXX, I have little time to focus my energy on even one of these strategies. I am concerned that without being acknowledged as a successor in interest, I will not be able to file for loan modification or Covid assistance, and that there is a potential even my filing bankruptcy wouldnt stop the foreclosure sale at this point. The servicer does not need to disclose any personal information to me about the original borrowers, but they should at least acknowledge my rights as the owner of the property. I have yet to find legal representation or even much advice from anyone with experience in this specific area, so I am doing this myself and gleaning whatever I can from whomever will share some knowledge with me, so I would appreciate anything you can do or say on my behalf.
|
| 12/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
|
A XXXX XXXX purchased a property located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. The owners could not pay for this property so they requested a short sale. The servicer or investor, Ocwen Loan Servicing hired XXXX XXXX in XXXX XXXX # XXXX, XXXX name is XXXX XXXX. He stated that he was the realtor for this property since XXXX and had multiple offers of this property. He stated that he had contacted Ocwen Loan Servicing multiple times regarding the offers, the vandalism and squatters on the property. He said that he had to secure this home and call the police department multiple times but Ocwen did not do anything about it. Since XXXX, we and the neighbors have witnessed the neighborhood kids breaking into this home and vandalizing it. I understand that these young adults were doing damage to the walls, stealing the electrical wire and copper pipes inside to sell. These young adults were jumping over the wooden fence, bordering our property, causing damage to it creating it to fall over. We then had to replace the fence with a block wall which costed us around ten thousand dollars. Then, they cut the back fence so they could go back and forth. The pool is drained with trash and XXXX spots on the plaster. This is a liability for ocwen and the investor because if anyone that enters the back yard and hurts themselves, Ocwen and the investor are responsible. Per law, anyone that gets hurt on this property or falls into this pool, the owners are responsible! Then, vagrants started to live at this residence and was stealing power and water from our home. These people stoled our lawnmower and broke into our BMWs to steal items inside. These vagrants were going to the bathroom on premises and doing drugs inside. We were able to smell XXXX on that premises which means that they needed to have a cigarette lighter or matches to lite the XXXX. This posed a threat to this home and homes in the area. The police were called multiple times other family members. Now, these people are trespassing and the investor and servicer are not doing anything about this on going issue ( due diligence ). Ocwen loan servicing responsibility is to secure and repair the home if needed and to check the property on a regular basis which they have not done as of XXXX XXXX XXXX. On XXXX XXXX XXXX, I called the XXXX XXXX XXXX and XXXX and filed a complaint. On XXXX XXXX XXXX, the city came out to check the property. The city is also going to be contacting Ocwen loan servicing regarding the repairs that are needed. If Ocwen fails to repair these items, they said that they will have there contractors do the repairs and lien this home! On XXXX XXXX XXXX, I called the State of Nevada health department and filed a complaint regarding these issues. Ocwen loan servicing and the investor must be held accountable for failing to do there due diligence. Ocwen and the investor must be held accountable for failing to do there due diligence but not limited to the following ; have fines imposed, be sued for damages. Ocwen loan servicing must be responsible for the repayment of the wall, the items that were stolen on our premises. The media must be informed of what has transpired, so the public can know that Ocwen failed to do there job and failed to do there due diligence.
|
| 03/03/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
Due to the COVID19 pandemic in XXXX, I was able to place my mortgage on a 90-day forbearance plan with PHH Mortgage services. This would be for XXXX, XXXX, and XXXX, which then was extended to XXXX and XXXX. After doing research, I found that this could be done, and the loan could be modified to add the forbearance months to the end of the VA 30 year loan, with no negative reporting on my credit. After consulting with PHH case manager, it was agreed that 3 trial mortgage payments would be made starting XX/XX/XXXX. I made the payments as agreed for XXXX, XXXX, and XXXX. At the end of the trial period, PHH began the process of loan modification, which they said could take up to 45 days. I continued making my monthly payments in XXXX, XX/XX/XXXX, and XXXX. I also continued dialogue with PHH on the loan modification status.
PHH finally sent the loan modification documents ( 2 sets ) in XX/XX/XXXX. I received them on XXXX XXXX, and noted three items : The date of the documents was XXXX XX/XX/XXXX.
The first payment of the loan mod was due XXXX XX/XX/XXXX.
The due date for return of the loan documents, after signature and notarizing, was XXXX XXXX.
I immediately contacted PHH, explained the situation, and it was agreed by PHH to extend the return date to XXXX XX/XX/XXXX. It was also agreed they would send a notary to my residence, which took place on XXXX XX/XX/XXXX. The notary showed up at the appointed time, and after all documents were signed and notarized, she was instructed by PHH to mail one set of documents back, while I retained the other.
XXXX XXXX came and went, with no word from PHH. I contacted them on XXXX XXXX for a status update, only to be told that the loan mod had been rejected due to not having been received by the XXXX. Please note that in conversations with PHH on XXXX XXXX, no mention was made to have the documents returned via expedited courier service. PHH even admitted to this on XXXX XXXX when I contacted the case manager who then escalated the case for decision reversal, only to find out on XXXX XXXX that the appeal had been denied. It was also stated, as well in a letter form, that the loan was being transferred to another company.
So what this has to do with my credit report? I checked my experian account on XXXX XX/XX/XXXX, while speaking with the case manager at PHH, and come to find out that PHH has reported XXXX and XX/XX/XXXX as being 120 days past due, which in turn has negatively impacted my credit. I made my feelings known to the case manager, who was at a loss for words. He stated that he would escalate to get it fixed, but I do not trust PHH.
In short, because of circumstances beyond my control, a short-term solution was offered. Please note that I did explain to PHH that a VA loan was eligible for the type of forbearance and loan modification. I then did everything on my end to ensure payments were made, dialogue was maintained, and to get all required paperwork promptly returned, ONLY TO HAVE MY CREDIT GET ROYALLY SCREWED IN THE PROCESS.
What I want is for PHH to correct the negative reporting, that payments were made as agreed. And so instead of working with me to get the mortgage modified, they sold it to another company. This tells me they do not care about their customers.
|
| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Ocwen is the server for the XXXX XXXX mortgage loan on our principle residence. After we filed for Chapter XXXX Ocwen had us go into a payment plan which was above the plan payment amount, we did so anyway. The papers were brought to the house for us to sign and modification was outside the Trustees knowledge and the payment was above the plans budgeted amount. We had a medical emergency afterward in XX/XX/XXXX and missed a payment but Ocwen would not work with us to get back on track. In XX/XX/XXXX, we were still in a 5 year plan and Ocwen signed the Mortgage Settlement Agreement but would not work with us to save our home or offer a modification. We responded by email through our attorney that we were very interested in modification and workout but no action was taken. I called several times thereafter and Ocwen refused to talked to me. I tried to send emails and they would go unanswered and sent checks but they were never cashed. We received NO statements from Ocwen or XXXX XXXX. Email came from ________________ Now as of XX/XX/XXXX and after I applied for HAMP XXXX XXXX objected to our Bankruptcy in XX/XX/XXXX after the application for Home Retention and HAMP, and is trying to get our Chapter XXXX dismissed and we were 6 months from final payment to the court and no less than 3 months. We do not know and have asked were the money that was sent to the Trustee to Ocwen has gone. We still have not statement. The attached Uncured Default notice to the Trustee includes the escrow account money but I have received yet a different statement from a different law firm regarding this matter. The Escrow statement shows payment FHA and our loan is not an FHA. So it is incorrect. The Stipulation is also incorrect as the balance owing is {$250000.00} according to credit reports. XXXX XXXX attorney through the Stipulation has taken away our rights our Bankruptcy rights and we believe they are affecting the modification process. A Ocwen employee told me that the " lender '' felt their is equity and so they were foreclosing. The NPV values were never given to us after they were requested and FDIC worksheets that I provided to Ocwen show us passing and not failing the NPV test. The attorney is continuing to seek Dismissal of the Chapter XXXX Plan even though they had agreed to wait for Modification decision. Also very similarly we found legal documents against XXXX XXXX that are very much the same complaints of that which is included in the Stipulation our attorney signed despite us telling him we did not know enough to make a decision so quickly. XXXX XXXX XXXX is not familiar with this process, he is in over his head with our case. I would like your office to review the Stipulation and the Consent Orders previously citing XXXX XXXX for foreclosure action that was not allowable or failed to give the borrower protections. XXXX XXXX attorney is trying to catch us on the payment due on the XX/XX/XXXX but they gave us no other way to make the payment but by mail. Ocwen is taking over 2 weeks to cash the mortgage payment checks we are mailing before the XX/XX/XXXX of each month. XXXX XXXX and Ocwen have not help us in away to retain the home despite all the Treasury agreements with the federal government or XXXX XXXX previous Consent Order.
|
| 09/03/2015 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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My loan was sold to Ocwen in XXXX from GMAC. Since that time, Ocwen has applied payments late ( and charged me a fee ), not honored a payment arrangement, and most recently sent me to foreclosure stating I had not made a mortgage payment since XXXX of XXXX ( which I did - I attached my bank statements showing the wire transfers )! This all started when my husband thought I made the mortgage payment and I thought he did so we missed a month. I called Ocwen immediately and spoke to a representative who set up a payment plan where we would add XXXX to the next XXXX payments ( which is when I was told I would have to wire payments ). They wo n't allow me online access, I ca n't get them to send me any of the documents I 've requested, they 've declined my modification request twice, and they are saying I have a balance of {$21000.00}. I can not get information from them since they " restructured '' their databases in XXXX XXXX and when I call I get nowhere. When I set the payment arrangement up with Ocwen they told me I could n't mail a payment or do it online - I had to wire it to their servicer XXXX XXXX. They gave me wiring instructions for their account at XXXX XXXX. We have been wiring payments to that account since that time ( even after we finished the arrangement we continued to wire there because we had no instructions otherwise XXXX and had no idea that Ocwen closed the XXXX XXXX account and moved it to XXXX XXXX. I logged in to check my credit report on XXXX/XXXX/XXXX to see that not only had Ocwen not contacted me at all about the payments ( which is why I assumed everything was fine ) - they have been reporting {$0.00} mortgage payments since XXXX XXXX. When I called to talk to them about it I spoke with XXXX XXXX who promised to keep me posted and help me. When I called the XXXX # he gave me I was repeatedly put into a queue where XXXX XXXX vouchers were being sold. I was eventually put in touch with our " Relationship Manager '' XXXX XXXX XXXX who never called or followed up - he just said our case was being researched. I got fed up and called Ocwen last week and spoke to XXXX XXXX who did offer to help and she has been very helpful. I had to send in proof of every wire transfer payment to prove that we made the payments. She said it could take months for Ocwen 's Cash Analysis department to work things out and that I could not make mortgage payments in the mean time. So, they have stopped the foreclosure process from going through on XXXX/XXXX/XXXX as they had planned but Ocwen says we are still in foreclosure. They are taking my mortgage payments XXXX XXXX XXXX confirmed that they HAVE been sending the wired $ to Ocwen ) but not applying them to my loan. They 've destroyed my credit, my stress level is through the roof, the fees and interest are absolutely insane, and I have nobody at Ocwen willing to help me except XXXX. What they 're doing is wrong and it has to be illegal on many levels. I need somebody more powerful than myself to step in so I 'm asking for your help or I 'm going to be financially ruined as a result of Ocwen 's unethical and shady business practices. I have attached proof of the payments we wired to XXXX XXXX XXXX confirmed receipt and forwarding to XXXX XXXX per Ocwen 's instructions ).
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| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Husband and I received absolute divorced in 2009. Court awarded property to me. Ex-husband and I filed separately for Chapter XXXX. Exhusband did not " reaffirm '' mortgage obligation/debt. In my bankruptcy, I did " reaffirmed '' mortgage obligation to be soley responsible. Chapter XXXX granted for XXXX. Since the bankruptcy, I have made all mortgage payments. XXXX set of documents, divorce decree, quit claim deed, and statement requesting release of lien sent to GMAC at their directive to remove ex-husband name from loan liability. Loan transferred/sold to Ocwen. I experienced a financial hardship and contacted Ocwen regarding loan modification. Shockingly, packet received with ex-husband name. I contacted Ocwen explained that husband was release from loan liability with GMAC. Ocwen asked for divorce decree and quit claim deed which was sent. Modification packet resent without ex-husband name, completed by me with only my financial information, processed by Ocwen and modified. Modification included " cancellation of debt '' reported to IRS. However, the reporting to IRS is for XXXX of us. Should be only me as the account is only in my name per Ocwen. Told could modify loan with only my information and that his name was still on loan and that I need to assume the loan. Sent in requst for assumption as directed by Ocwen with appropriate documents ( divorce decre and quit claim deed ). Received letter acknowledging receipt of docments which " transferred account from XXXX names to my name and to contact them regarding release of liability. '' Contacted Customer Care, told by agent XXXX that assumption could be requested after account has ben current for 12 months, which does not include modification period. Asked " why information was not included in letter response to request for assumption? '' No XXXX able to answer question nor was I able to speak with the " department '' that generated the correspondence. Ask for supervisor, transferred to main customer service number. After going through prompts, reached XXXX XXXX. Explained situation and told that assumption are only done for third parties and not me because my name was already on the loan. No record or knowledge of ex-husband name being on loan. Explained again that other party ( exhusband ) was release from loan with GMAC. Asked for Bankruptcy department because of question " If a divorce party files separately for bankruptcy and only XXXX reaffirm, how can they continue to hold other ( non reaffirming ) party liable when Chapter XXXX was granted? Customer Service not able to transfer call to dept because account is not in bankruptcy. Nor are they knowledgeable to answer question or have an understanding of bankruptcy. Asked for supervisor. Placed on hold for XXXX minutes. Representative finally says that supervisor is unavailable and I should schedule a call with my loan modification rep. Arrangements made for next day at XXXX. Missed call ( XXXX. ) and message left " call back, follow prompts and reschedule call. '' XXXX attempt made from Ocwen. Ex-husband has conveyed all interest in property by filing quit claim deed, filed Chapter XXXX Bankruptcy, did not " reaffirm '' mortgage loan obligations. Bankruptcy granted. Why will Ocwen not release him from liability?
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| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This complaint regards Breach of Mortgage Contract by Ocwen ; XXXX XXXX ( formerly XXXX XXXX XXXX, XXXX ) ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; and PHH Mortgage ( hereinafter collectively referred to as 'PHH ' ).
Under a cloud of non-disclosure, with concealment of material facts, without the borrower 's knowledge and consent, and without additional consideration to or for the borrower, PHH unilaterally modified the borrower 's mortgage Contract ( inclusive of both the Note and Mortgage ) by converting it from a regulated residential mortgage contract into an unregulated commercial investment contract, which may be referred to as securitization. The title company may also be a co-conspirator in the non-consensual conversion and, thus, breach of the borrower 's contract. By breaching the borrower 's mortgage contract, the contract is legally void or voidable from the beginning.
During the securitization transaction, the original Note and Mortgage were destroyed, also without the borrower 's knowledge and consent. There were absolutely NO Terms or Conditions in the mortgage contract that legally permitted PHH to convert and, thus, breach the mortgage contract including, but not limited to, without compensating the borrower with additional consideration. By illegally converting the mortgage contract absent the borrower 's knowledge and consent, PHH committed fraud including by subsequently filing a libelous foreclosure complaint against the borrower into the public record on or around XX/XX/2017. As a result of the non-authorized unilateral modification of the borrower 's mortgage contract by PHH, the Note has already been paid in full one or more times by third-party payers, to wit, credit default swap side bets and/or default insurance payments and/or title insurance payouts and, as a result, the borrower is not now and never has been in default, and PHH and its representatives and affiliates knew or should have known this. PHH is refusing to disclose the name ( s ) of the investor ( s ) /lender ( s ) claiming an alleged right to payment or profit from mortgage payments so that the borrower may serve the investor ( s ) /lender ( s ) with legal process to ascertain if the investor ( s ) /lender ( s ) has already been paid in full. Because it has recently been discovered by the borrower per a public document that the borrower is, in fact, a Party to the securitization transaction ( which was also concealed from the borrower ), PHH and the investor ( s ) /lender ( s ) has also failed to compensate the borrower from funds/profits received resulting from the transaction, amounting to a contractual lack of additional consideration to the borrower in exchange for converting the mortgage contract into an investment contract without the borrower 's written, signed authorization, knowledge and consent. Basically, the borrower was illegally and fraudulently cut out of the deal and has been defrauded of profits derived from the securitization transaction. On information and belief, PHH may be in violation of Federal RICO laws pursuant to a cursory review of the XXXX Clerk of Court 's Forensic Examination of the Real Records and the Circuit Court Records, XXXX County, Florida which may be viewed here : XXXX XXXX XXXX
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| 03/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I closed on a 25 year conventional mortgage for a principal of {$170000.00}. In XXXX, I found myself unable to pay the current mortgage due to divorce and loss of my job. Although I had been keeping up on the payments, they instructed me that it would look better if I didn't make payments, so I was probably about 2 months behind or so at the time of the modification. I entered into a modification agreement with Ocwen, to reduce the interest rate to 2 % for a time, then annual increases for a period of 5 years. I specifically asked and was told that this would not result in an extension of the term, and there were no other repercussions - it was just a reduced interest rate to lower the payments so that I could keep my home. I have continued making my payments, and am now 8.5 years away from loan maturity. The mortgage is now serviced by PHH, and I decided to log in to their website to get more detailed information on the mortgage than is given on the statement. It caught my eye that although the loan matured in XXXX of XXXX, it showed a scheduled payoff for XXXX of XXXX. I looked at the amount of principal still owed, and the number of payments that showed remaining, and I realized that there is no way the loan would be paid off by the maturity date. After several calls to XXXX asking for information and an amortization table ( never did receive the amortization table ), I finally found out that there is a balloon payment of nearly {$110000.00} due at loan maturity. Looking through the papers provided, while there is a mention that there will be a balloon payment, nowhere did it state the amount that would be required ; I do recall thinking that it wouldn't be more than a few XXXX dollars ( e.g., {$3000.00} - {$6000.00} tops ), so I didn't worry about it at the time. This should have been disclosed at the time of the modification. I also found, that although the original loan principal should have been down to about {$150000.00} ( even with the missed payments ), the modification documents show an initial principal balance of {$160000.00}, so it sounds like there were an awful of of fees rolled in to the principal. This is deceptive, if not predatory in nature. After paying the full term of a mortgage, the remaining principal should NOT be XXXX of the original loan amount ; I don't know anyone that would consider that " reasonable ''. I'm currently looking into refinancing this loan with another mortgage company, and hopefully we will be able to do so, though sadly we will have to extend the term despite planning to retire in the next few years. I asked for a payoff figure from PHH, and after paying for nearly 17 years of a 25 year mortgage, the payoff figure is over {$140000.00}. I did ask the last representative we spoke to if the balloon payment could be removed, and I was told no. I was told we could reduce the balloon payment by paying additional principal each month, but in order to have the loan balance reach XXXX at loan maturity it would require an additional monthly payment of about {$910.00}, which is not in our current budget. I have no confidence or trust with this company at this point. I hope by filing this complaint it will prevent others from experiencing these predatory loan practices.
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| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I paid my mortgage on Monday, XX/XX/2020 with a phone PHH mortgage representative as I have for the13 years. The representative took two electronic checks as opposed to just one from my checking account! After I contacted PHH on Tuesday, XX/XX/XXXX to request the second charge reversed, I provided them with the requested bank statement with the transaction history. I was led to believe this is all that was needed to get the issue resolved timely, but on Wednesday XX/XX/XXXX, I was told they needed to do research, and then they would send a check in about 10 business days, after the research was completed. I insisted the money be returned the same way it had been taken, electronically. After complaining, and being transferred to a dozen of agents, I was reassured the money would be returned electronically.
I called every day from XXXX through XXXX to follow-up on the supposed wire, only to be told each day, the wire had been approved by the cash department, and was in process, but because I was assigned to an escalation manager, I had to speak with him to find out when the funds would be released to back to my bank. On Monday, XX/XX/XXXX, I was contacted by an PHH agent notifying me that the money was indeed being returned as a check, and had been mailed on XX/XX/XXXX. After PHH was contacted by the XXXX XXXX XXXX, PHH mortgage company lied to them, stating they explained to me their policy of returning checks in 10 business day, and they were not paying the requested interest on the money withheld for 10 business days.
Finally, on XX/XX/XXXX I received a check from PHH that was mailed on the XXXX, but backdated to XX/XX/XXXX. On XX/XX/XXXX, I received an additional {$25.00} due to their negligence causing an large automatic draft to bounce. Although I strongly felt I was still entitled to the interest on the unauthorized money from my checking, I choose not to pursue anything else against them. However, on XX/XX/XXXX I received a letter from PHH dated XX/XX/XXXX stating, a payment which is currently automatically withdrawn from your bank account, has been returned from your banking authority for the reason stated below and could be subject to a return item fee up to {$50.00}, except where prohibited by law. First of all, my bank did not return any check to PHH, and secondly, my mortgage payment has never been on auto draft, and lastly, the reason below only stated, and written in this format Please refer to banking institution. you to make alternate arrangements.
After not receiving the promised wire, my bank stepped in and loaned me the amount of the double payment. I provided PHH with proof of the loan and repayment of the loan, a composed a letter from my banker summarizing the nature of the loan, and contact information. I was contacted by a PHH agent on XX/XX/XXXX who stated that in spite of all the documentation I provided them with, and the fact that only one check for the extra payment was cut, no money has been applied to my XXXX mortgage. His comments were, one payment was cancelled, and one payment was returned. This mortgage company lost, stole, or misplaced {$580.00}.
I am XXXX and on a fixed income. The loss of this substantial amount of money is causing me enormous amount of stress related issues.
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| 05/07/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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OCWEN MORTGAE & lt ; OCWEN LOAN SERVICING is BLATANTLY and illegally still doing EVERYTHING that caused the XXXX XXXX lawsuit ( XXXX XXXX 2013 ). They are n't even a MEMBER of the better XXXX ( which in XXXX XXXX XXXX, XXXX they have an " F '' rating ). they have OVER XXXX XXXX XXXX XXXX complaints just there! The internets " RIPOFF REPORT '' has over XXXX XXXX XXXX XXXX complaints. That 's just XXXX of XXXX of different sites that people can complain on, not counting multiplying that number by at least XXXX because of people that HAVE complaints but just did n't report them.HOW ARE THEY STILL IN BUSINESS??? And look up all of the current and pending lawsuits against them. Homeowners are setting up their own webpages to get enough people for another " from what I 'm experiencing right now '' unavoidable hopefully BIGGER class action lawsuit.I have been XXXX for years and no XXXX. They entered me into a loan modification " trial period ''. They blatantly and without ANY regards to the law, any REGARDS towards ruining the lives of the homeowners, ANY regards to the stipulations in the ( XXXX, 2013 ) CLASS ACTION suit, intentionally setting up homeowners to lose their loans. I KNOW. I was n't even behind on my payments. They put me on a " trial '' modification that lowered my payments from XXXX to XXXX. They told me that they would n't lower the interest rate ( 5.875 % ) but would extend the loan to 40 years ( which makes them even MORE money ). You are set up with a " relationship manager '' that you NEVER talk to, always a different person. They are " DUAL CONTRACTING '', where the phone calls ( of course by phone ) are all telling you how good you 're doing and you 're making all your payments on time but you 're getting harassing and threatening LETTERS ( OF COUSE, AGAIN ) WHICH EACH MONTH GET PROGRESSSIVELY MORE INTIMIDATING AND THREATENING. And the PHONE calls I kept expressing my concern why they ( just through the MAIL, what a coincidence ) kept sending, each time more threatening and harassing notices about how far my loan was becoming delinquent. The person on the phone would always say " Oh, do n't worry, you 're doing great! You 're making all of your payments on time. I record phone calls, they ALL NEED TO BE ARRESTED and WHEN ARE THEY GOING TO START SENDING THESE PEOPLE TO PRISON??? AND AGAIN & XXXX HOW ARE THEY STILL EVEN IN BUSINESS???? I 've been in my home 30 years. I live with my XXXX. Because of my XXXX even if I WANTED to I could n't move, XXXX. And I am NOT LEAVING MY HOUSE ALIVE. Especially when I did EXACTLY what I needed to and the modification should have already been approved. They started my trial Ibelieve XXXX XXXX ( maybe XXXX XXXX ). ON XXXX XXXX, on one of my calls, they brought to my attention my federal tax lien, which I 've had for years and have n't been able to pay off yet ( AND WHICH THEY! 00 % KNEW ABOUT BEFORE PUTTING ME ON THE TRIAL MODIFICATION ). They gave me a month to get it taken care of, KNOWING that an XXXX takes at LEAST 3 months. Now, after paying XXXX a month instead of XXXX, they 're saying I owe them OVER XXXX $!!!! ALL of this was INTENTIONALLY done so they could foreclose on my home. How can these people sleep at night? And again,. how can they even be in business???
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| 04/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I was approved for a Making Homes Affordable modification by old servicer XXXX Bank. Prior to my servicing rights were transferred to Ocwen Loan Servicing we experienced some financial hardships which caused us to fall once again. We reapplied for another modification and was approved for another Making Homes Affordable Loan Modification under the the tier 2 guidelines. Our modified payments were a very affordable {$1100.00} during the trial period. While making the payments as instructed we were told that Ocwen erroneously gave us another Making Homes Affordable Modification when they were not supposed to ( we received a USPS urgent letter dated XXXX XXXX, 2015 as well ) and the reason was that the Treasury had not shown that our mortgage had fallen XXXX days or more behind at the time of modification. I advised them that they could look at the last time we made our last payment and see that we were more than XXXX days past due, they advised even with that being true, that they had to cancel our very affordable modification and raise it to {$1600.00} almost {$500.00} more than what we had expected to be our new mortgage payment and the turning point in our financial merry-go-round.
( From Making Homes Affordable guidelines : You can reapply for a modification under HAMP Tier 2 after a default under HAMP Tier 1 ( even if there has been no change in your circumstances ) if XXXX months have passed and XXXX of the following is true : ( 1 ) You defaulted on the XXXX XXXX XXXX trial period plan after making XXXX or more payments. ( However, you can reapply for a HAMP XXXX modification if you never made your XXXX payment under a HAMP Tier 1 trial modification, the servicer miscalculated your income resulting in a trial plan that overstated the monthly payment by 10 %, or you did not accept the trial plan for any reason, if you can show a change of circumstances. ) ( 2 ) You fell XXXX days or more behind on your payments under a HAMP Tier XXXX permanent modification and lost good standing. ( If you lose good standing, you can not be reconsidered for a future HAMP XXXX 1 modification, but you may get a XXXX modification. ) We were clearly within the guidelines at the time of receiving the Making Homes Affordable modification which was such a significant help as the program was designed versus what they counter-offered, which only can cause more financial hardship, far from what the MHA program was designed for.
Things with Ocwen only got worse as they took our payments and applied them to the new modification payment of {$1600.00} making our XXXX payment {$0.00} and our XXXX payment of XXXX due by XXXX/XXXX/2015 and the XXXX payment of {$1600.00} due by XXXX/XXXX/2015.
Then sometime during the week of XXXX XXXX, 2015 I received a letter dated XXXX XXXX from Ocwen that we were not eligible for a proprietary loan modification at this time. The reason was because : You failed to make the initial trial payment within the required timeframe. Before the XXXX payment was due Ocwen had sent out a letter that we failed to make the initial payment when in there letter dated XXXX XXXX, 2015 they advised us that they were applying our previous payments to that initial payment and the XXXX payment was not due until XXXX XXXX, 2015.
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| 10/06/2020 |
Yes |
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- Trouble during payment process
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Web |
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Approximately the 3 week of XXXX I received a letter stating that my mortgage has been sold from XXXX XXXX XXXX to PHH Mortgage Services. The change would take place as of XX/XX/XXXX.
I then received my real estate tax bill shortly thereafter. Since it was so close to the end of XXXX I contacted PHH to ask how to handle the tax bill from my escrow account. I did not write down the woman 's name I talked to that day. She advised that I should send a copy of the tax bill to their tax department at the following address.
PHH Attn : Tax Department XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I mailed the tax bill the next day.
XX/XX/XXXX I received a reminder of unpaid taxes from the Town of XXXX, NH. My taxes had not been paid from my escrow account.
XXXX XXXX ~ XXXX XXXX, I called PHH customer service spoke with XXXX ID # XXXX. She advised that indeed it did not look like taxes were paid and elevated to a manager nad they would call me back in 24hrs.
XX/XX/XXXX ~ XXXX XXXX I called PHH customer service again spoke with an XXXX XXXX ID # XXXX. I was told that they ( escalation managers ) have until the close of business day to call back. Explained to XXXX XXXX that my taxes had not been paid. She asked that I send a copy of the tax bill via email to XXXX I did that the same day ~ XXXX XXXX. XXXX XXXX advised she put in a request for the taxes to be paid immediately. I was told to check in 3 days to see if the taxes were paid and that PHH will also pay the penalty charges that were incurring.
XX/XX/XXXX ~ XXXX XXXX Spoke with XXXX XXXX XXXX XXXX ID # XXXX Taxes have still not been paid but notes that escrow research was requested on XX/XX/XXXX. I asked to speak with a manager since I never received a call back from the XXXX XXXX call.
I was then transferred to XXXX ( escalation manager ) ID # XXXX. Complained about not receiving a call back and was told they called me back at XXXX on XXXX and again on XX/XX/XXXX. No such calls were received by me or logged as a missed call. XXXX gave me his direct number to call with ext. XXXX x XXXX. XXXX told me that the taxes would be paid by the end of the month. Couldn't/would n't give me an exact date of when taxes would be paid other than the end of the month.
XX/XX/XXXX Called the tax collector in XXXX, NH to ask if the taxes had been paid yet. I was told that no payment has been received.
XX/XX/XXXX Checked my escrow balance at XXXX XXXX and no deduction was present for the tax bill.
Called PHH at XXXX XXXX spoke with XXXX ID # XXXX. He advised that he would be reopening the case since the taxes were not paid. He said he would check on it Monday XXXX and call back by today XXXX. He advised that it would take up-to 48 hours for the taxes to be paid. He also told me I could call back and if he didn't answer I could press 2 to get to the next escalation manager.
XX/XX/XXXX XXXX XXXX XXXX. Checked to see if the taxes have been paid and they have not. Tried calling PHH @ XXXX XXXX to XXXX 's direct ext. no answer. Pressed the 2 to get to the next escalation manager. I get a recording that the next manager availability is 0 minutes and then goes to dead air with no answer.
I feel I have given this company ample time to correct the issue of my taxes not being paid.
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| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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To Whom it XXXX Concern : This letter is in our efforts to seek a loan modification. We have made several attempts to work with OCWEN so that we can save our home with a modification. We have lived in our home for 19 years, XXXX of those years we were never late on our mortgage payment. I am a Veteran who is now totally XXXX living on XXXX and in the midst of losing my home. Ocwen has worked with us in the past and assisted us with a loan modification previously after we received the loan modification my teenage daughter tried to commit suicide which caused us to have another financial setback with hospital and additional medical bills for her treatment along with the fact my wife took 4 months off with no pay to assist our daughter in getting the necessary treatments she needed. Shortly After returning back to work my wife 's company laid off over XXXX employees. After 15 years of service she no longer had a job meaning we no longer had income or medical coverage. She was out of work for 19 months. She returned back to work in XXXX XXXX.
In our last review with Ocwen we were told the reason we did not qualify for a modification is due to the Chapter XXXX bankruptcy. We were advised that if we had the bankruptcy dismissed we would qualify for the loan modification. We had the chapter XXXX dismissed and after the review we were advised we did not qualify for a modification at all because we are more than 90 days past due. That is the reason why we need a modification. When asked why were we told if we had the bankruptcy dismissed we would qualify for the modification we were old at that a modification is not a guarantee. This company has no integrity We were never told this in the past. Also due to me XXXX, I receive property tax relief however Ocwen continues to charge me for escrows. The city has advised us that they send the check back to the mortgage company but they continue to charge us for property taxes. Also when we purchased the property XXXX be known to us it was not disclosed that we had quest piping. We have had several pipe burst that is no longer covered under our homeowner insurance policy. We can not get conventional hazard insurance as we now have to go thru the state of Virginia. At the time we purchased the home the class action lawsuit was going on. We have now been advised if we attempt to sell the home we must disclose that we have quest piping but we were never given that courtesy. Also in the midst of seeking a loan modification I am also requesting my original loan documents.
We just want to keep our home even if Ocwen would put the past due on the back of the loan to allow us to catch up. We have given Ocwen documentation from my medical doctor and medical bills showing proof of our medical hardship. They say they do n't want my home but I have not given me an other options outside of foreclosure. We assure you we have every desire of retaining our home and repaying what is owed. But at this time we have exhausted all of our income and resources so we are turning to you for help. Please assist us in saving our home and stop allowing Ocwen to get away with deceptive and unfair practices. The stress of this is exacerbating my illness as we do not want to become homeless Regards, XXXX XXXX
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| 04/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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XXXX XXXX THIS WILL BE # XXXX FILED. TODAY XX/XX/XXXX I HAD A PRE SCHEDULED APPT WITH A CASE MNGR FROM OCWEN A PERSON BY NAME OF XXXX XXXX AT XXXX.. A CALL CAME IN AT XXXX SAYING XXXX XXXX IS BUSY ON ANOTHER CALL, I SAID I COULD WAIT ( XXXX ) IS WHERE CALL WAS COMING FROM. I WAS PUT ON HOLD AND THEN TOLD THEY COULD " NOT '' LOCATE HIM. I ASKED FOR SUPERVISOR SPOKE WITH A MINAXI WAS TOLD SHE COULD TRY TO HELP.. SHE COULD NOT GIVE ME ANY INFO ON MY MRTG ACCT ACCURATLY SHE KEPT PUTTING ME ON HOLD. FINALLY AFTER ALMOST 1 HOUR OF NOTHING RE ; INFO I TOLD HER TO HAVE MY CASE MNGR CALL ME SO I COULD GET ANSWERS TO MY MRTG ACCT.. THIS APPT HAD TO BE PRE SCEDULED MORE THEN A WEEK AGO AND STILL THEY DO NOT HAVE RIGHT PERSON WHO CAN ANSWER YOUR MRTG ACCOUNT QUESTIONS CALL AS THEY SAY AND MADE APPT WITH ... WHEN YOU CALL RE ; ANTHING ON YOUR MRTG ACCT SUCH AS " MISSING PYMTS : THEY ARE NOT POSTING AND CREDITS OWED NOT BEING APPLIED YOU ARE TOLD YOU HAVE TO MAKE AN APPT WITH A " CASE MNGR '' WAY IN ADVANCE.. AND YOU STILL DO NOT GET THEM TO CALL YOU ON THOSE APPTS ... THIS IS ILLEGAL ON SO MANY LEVELS ... I AM ASKING THE CFPB TO ESCALATE THIS COMPLAINT TO EVERYONE WHO SHOULD BE INVOLVED IN THIS ... .WE ARE GETTING READY TO GO PUBLIC WITH XXXX XXXX AND XXXX XXXX NEWS AND RUN AN AD IN XXXX XXXX AT ANY COST TO BRING THIS OUT INTO THE OPEN ... .PLEASE INFORM ANY OTHER BUREAUS THAT SHOULD KNOW ABOUT THESE COMPLAINTS ... ... ... ... .WE ARE AGAIN ASKING FOR SOMEONE NOT TO JUST SEND THIS TO THEM AS THAT DOES NOTHING, BUT TO ACTUALLY GET INVOLVED VIA PHONE HOWEVER YOU ARE ABLE TO ... THEY DO NOT SEEM TO CARE THAT I FILED A COMPLAINT WITH THE CSPB ALREADY.. YOU WOULD THINK THEY WOULD BE A LITTLE WORRIED AFTER THE LAWSUIT WITH CFPB BUT NOT IN THE LEAST WERE THEY ... ... .SOMEONE PLEASE LOOK AT THIS AND HELP AN AMERICAN OUT.. WE ARE TRYING TO GET ALL THE MISSSING PYMTS TO MY ACCT CREDITED AND ALL HOME IMPROVEMENTS SENT TO THEM BY CONTRACTS VIA OUR ESCROW AS WE HAVE A SHARED APPRECIATION MODIFY WITH THEM AND THEY 'RE NOT EVEN GETTING A LEGITIMATE PAYOFF QUOTE TO OUR ESCROW AND IT HAS BEEN WEEKS SINCE REQUESTED ... WE WILL LOSE THE SALE OF OUR HOUSE AND THE ONE WE ARE PURCHASING.. WE ARE MOVING SO MY HUSBAND CAN GET XXXX DUE TO AN ACCIDENT ... SO THIS WILL ALL BE GOING PUBLIC IF THE CFPB CAN NOT GET OCWEN TO LEGITIMIZE OUR ACCT AND GET CORRECT PAYOFF ... . I WILL ALSO BE CALLING XXXX AND XXXX AS I THINK SINCE THIS IS STILL GOING ON WITH OCWEN WITH NO " ACCOUNTABILITY '' AND SO RAMPANT THEY WOULD LOVE A STORY LIKE THIS.. GOING ONLINE DOES NOTHING COMPARED TO GOING PUBLIC ... SO AGAIN AS THE " COMMITTEE THAT IS SUPPOSED TO OVERSEE AND MAKE SURE OCWEN IS STILL CONTINUING THIS ILLEGAL BEHAVIOR, WE ARE ASKING YOU TO GET MORE INVOLVED THEN JUST SENDING THIS COMPLAINT TO THEM ... TIME IS RUNNING OUT AND WE NEED TO SELL OUR HOME AND MOVE FOR REASONS I HAVE SAID, BUT OCWEN IS FAILING TO APPLY OUR MRTG PYMTS BEING HELD IN A SUSPENSE ACCT SINCEXX/XX/XXXX, FAILING TO CREDIT THE MODIFY FORGIVENESS AMT AS PER MODIFY CONTRACT AND ADDING COSTS TO OUR LOAN ... ALL ILLEGAL .... IS THERE ANYONE AT THE CSPB WHO READS THESE OR ARE THEY JUST FORWARDED???????? PLEASE HELP US ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....
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| 06/21/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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I started paperwork for a modification with Ocwen Loan Servicing XX/XX/XXXX. At that time I was paying 5.5 % with notes apprx. {$1400.00} per month. The goal was to get under 4 %. I was approved for a 3 month trial in XX/XX/XXXX and structured to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at a reduced payment ( which would be very close to final payment, escrow included once trial was over ). That payment is {$1000.00} and I paid the 3 month trial. During that time the so-called relationship mangers assigned to me stood me up, which is terrible since I am a XXXX old senior and I made sure to be by the phone, even skipping several Dr. appointments and rescheduling some for not. After the completion of the three months, ( screenshots attached ) I was approved for a " permanent modification ''. I saw that throughout XX/XX/XXXX and until today. The note follows when I log into my Ocwen account I should be watching my mail for the final package. Never showed, instead I get a call from a very rude XXXX XXXX out of XXXX, Tx stating the Quit claim deed and deed copy on file were not enough and I needed to get my ex spouse ( whom I have n't seen in 5 years ) to sign and get notarized a special warranty deed. I had, and have documentation that this modification was indeed fine on my signature alone and I asked this long before all this began and during the early stages of the process. I did not know Ocwen was under such scrutiny for misconduct and unfair behavior to customers when I started this. I had already had a belly full of their harassment and lies including bushels of mail over the years and calls for my ex spouse, and that ran a few of my potential new fianc/partners away!!! My present potential new partner/ fianc is scared to death! She was planning on selling her home and making a life with me at my address. They promised me, and I have the email in XX/XX/XXXX that they would cease to mail anything with her name on it to my home. I understood her name would remain on the debt/loan but I was n't going to be responsible for getting her mail to her via sent to me. Ridiculous. That lasted maybe 3 months and the flood of mail with her name started again and continues today. It 's a shame they kick people around like this, I have had to increase my XXXX XXXX meds and live in fear with the lack of trust in anything they say. They refused to give me the title company full name and contact. They said " We can only tell you XXXX XXXX '', quote. I called XXXX XXXX XXXX and spoke with a ranking official for 30 minutes who could not locate anything on me or my address, but did state during her 15 years in the business I should be entitled to the title companies " XXXX XXXX '' and contact info. I emailed Ocwen and replied sending me a copy of the original title when I closed on my home in XX/XX/XXXX. I advised I needed the current info. No response, except then I get a letter ( attached ) stating my request if vague or whatever I wanted was unclear, this datedXX/XX/XXXX, and my modification was approved for permanent and just give them time to send the paperwork to me. So, see my point. I have addressed this to the BBB, which has almost 2,000 complaints on Ocwen already and have assigned them a rating of " F ''. Terrible!!!
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| 10/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My mortgage loan through Ocwen Loan Servicing , LLC was going along fine until XX/XX/XXXX. At this time, due to an incentive bonus payment through my HAMP loan modification, a portion of my loan referred to as " interest Bearing Principal Balance -- in the amount of {$3300.00} gets paid off early. ( Attachment XXXX ). It is at this point in time that a chain of events have happened causing me great concern.
The date of XX/XX/XXXX becomes the due date in Ocwen 's system no matter when I pay to escrow. ( Attachment XXXX ) Then I am no longer able to pay online on their website. Ocwen tells me to pay through the mail. Checks get returned to me with a notice that my loan is in default Attachment XXXX ) ( except for the tiny print at the bottom saying if debt has been discharged through bankruptcy ( which it was XX/XX/XXXX ), this is not an attempt to collect ) .I make numerous phone calls to Ocwen complaining that they will not accept my escrow payments even though the contract indicates that Ocwen provide an escrow account for me. ( attachment XXXX ) Feeling I have no alternative, I write a letter to escrow dept at Ocwen requesting that they de-escrow my account. ( attachment XXXX ). I had to send the letter twice because Ocwen stated they never received my letter. My understanding is that the letter has now been received. That is good, but I need for the de-escrowing process to become completed and subsequently the amount in my escrow of {$540.00} returned to me.
Next issue is regarding unpaid property tax installment of {$1000.00} that was due on XX/XX/XXXX was NEVER PAID BY OCWEN. They paid the first installment due on XX/XX/XXXX but not the second. I started to get notices from XXXX XXXX that my property could be sold in a tax sale. The total amount if paid after XX/XX/XXXX is {$1000.00}. ( attachment XXXX ) Ocwen needs to acknowledge their mistake and send me a refund check for {$1000.00}.
Repeated calls and emails to Ocwen get me nowhere. On XX/XX/XXXX I pay the second installment myself. ( attachment XXXX ) even though Ocwen was supposed to pay it. Ocwen keeps saying they paid my taxes, but their tax/accounting dept erroneously paid only the first installment ( attachment XXXX ) They think they paid my taxes, but it appears to me ( and XXXX County ) that they paid the first installment + added in an old amount from the previous year and marked it as paid! ( probably {$1000.00} + {$1000.00} = {$2000.00} ) ( attachment XXXX ) duh At this point, Ocwen needs to send me a check for {$1000.00} to fulfill their escrow obligation. Ocwen also needs to complete the de-escrow process for my account. Ocwen seems unequipped to service my account adequately. They need to accurately deal with the terms of my loan modification, make corrections in their system so that my account is not treated as in default when, in fact, it is not. This has gone way too far!!! I just received a 30 grace period notice. I am scared. Ocwen needs to fix this problem!. Or what? Will they try to foreclose on an erroneus amount from XXXX of {$200.00} that really is n't due?. Or maybe the {$86000.00} that has been deferred until XX/XX/XXXX? Which all seems irrelevant because of my bankrupcty discharge. When will this stop? Now, please!!!!
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| 05/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Several years ago, my mortgage was sold t o Ocwen Mortgage Servicing. Not long after, I was laid off my job due to their age policy and I could no longer afford my mortgage payments. I notified Ocwen of the situation and they proposed that I take their " unemployment modification '', making monthly payments of a reduced amount for 12 months and if I did that, they would then give me a permanent modification. I was compliant, made my payments, called them a month before the temporary unemployment modification ended. They then told me I owed {$13000.00}, which was increased a month later to {$16000.00}, then {$18000.00}, until it reached almost {$55000.00}. I was told the money reflects mortgage due for that year long period. They called it a " balloon '' payment. I was shocked since no one told me that this would happen. I reminded them that I had been making monthly mortgage payments, albeit a reduced amount. The told me to complete a loan modification application, which I did. In fact, I completed close to a dozen modification applications, sending them all the documentation they requested, only to be told they either never received it, lost it or denied it. I requested that they tell me what to pay for a monthly mortgage while this was resolved but they never did! They then told me that I had no homeowner 's insurance on the property, which was wrong since that is paid through my HOA and I sent them proof of the insurance. They then attempted to charge me for " inspections '' ( never happened ), lockbox ( there was none ) and they advised me via a phone call ( nothing ever was hard copy! ) that I signed a deed-in-lieu and to vacate my property! I NEVER signed a deed-in-lieu and told them I wanted to see it because if it did exist, my signature was forged. I never received a copy. I attempted on NUMEROUS occasions to resolve this, including going to Keep Your Home California for assistance. They approved my request for assistance, offered Ocwen up to {$100000.00} to reinstate my loan and reduce the principal to make payments more doable. Ocwen refused to accept the money! Now, my home is scheduled for auction on XXXX XXXX , 2017. I a m XXXX years old with several catastrophic medical conditions and will not survive living on the street. I believe Ocwen has behaved in a criminal-like manner and is attempting to rob me of my home, as they have done with so many others. I do know that XXXX XXXX , the AG of California, has been attempting to prevent Ocwen from doing business in California and the BBB refuses to do business any longer with Ocwen. Now, they are attempting to force me to sell my home in a short sale prior to the auction date. They have done many other less than legal and fraud type of activity on my loan. I am desperate at this time not to be put out o n the street, esp ecially by a lying, thieving company like Ocwen. They should not be allowed to remain in business due to their more than shady practices. Please help me remain in my home and put these people out of business to prevent them from doing any more damage to their " customers ''. I am open to virtually anything that would resolve this issue and allow me to remain in my home, which I have lived in for 13 years! Thank you.
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| 04/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage Services XXXX original mortgage servicer with property tax escrow account ) neglected to send the payment for my XXXX XXXX Taxes. As a result, I had to pay an additional {$170.00} to bring by supplemental property taxes current. PHH Mortgage Services refuses to reimburse me for their fiduciary negligence.
On XX/XX/2021, I received a XXXX XXXX XXXX XXXX from the XXXX tax collector. The bill was for {$3100.00} XXXX to be paid in XXXX separate installments of {$1500.00} of which the first installment being due no later than XX/XX/2021 ). As per the written instructions on my monthly mortgage statement, I timely mailed this Supplemental Property Tax Bill, along with a written request for it to be paid in full, to : PHH Mortgage Services, Attention : Tax Department, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/2021. The first supplemental installment was due XX/XX/2021.
On XX/XX/2021, I received a Notice of Servicing Transfer from my original servicer- PHH Mortgage Services dated XX/XX/2021. They noted a date of the servicing transfer to be effective XX/XX/2021.
On XX/XX/2021, I received a Notice of Servicing transfer from the new ( existing XXXX servicer- XXXX XXXX XXXX XXXX XXXX new mortgage loan servicer ) dated XX/XX/2021. This new servicer noted a start date of XX/XX/2021 for future mortgage payments.
On XX/XX/2021, I received a XXXX XXXX XXXX bill from reflecting a late payment penalty of {$170.00} in addition to both outstanding supplemental installments for a new total bill due of {$3200.00}.
On XX/XX/2021 at XXXX, I called PHH Mortgage Services and spoke with Movin ( Employee ID # RKR ) and requested a re-imbursement for the penalty amount of {$170.00} since they negligently did not make my supplemental property tax payment on time ( even thought I requested it to be done in a timely manner in writing ). XXXX informed me that since they were no longer the servicer of my loan, they had no money to send for these payments, and, that they could not reimburse me due to them already having transferred my escrow funds to the new servicer. I explained that I followed their instructions to have the XXXX XXXX XXXX paid in a timely manner and that they should have paid it prior to an transfer of my account as per my written request. He said he could not do anything and that I should try to get reimbursed from the new servicer. I then called the new servicer- XXXX XXXX XXXX XXXX and asked them if they would reimburse me for the penalty and they said no, that I would have to get it from the older servicer ( PHH Mortgage Services XXXX.
PHH Mortgage Services did not follow my written request to pay for my XXXX XXXX XXXX ( at least the first installment due by XX/XX/2021 ) and I incurred a {$170.00} penalty from the tax collector as a result. Also, due to the timing in the transfer of the servicing of my account to the new servicer, PHH Mortgage Services failed to properly pay my XXXX XXXX XXXX even though I followed their instructions listed on the back page of each of their mortgage statements.
I am requesting your help to get a reimbursement of {$170.00} from PHH Mortgage Services due to their fiduciary negligence in paying my property tax in a timely manner from my escrow account.
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| 10/07/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
Older American |
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PHH MORTGAGE NEED TO STOP INTERFERING IN MY FINANCIAL AFFAIRS LISTED BELOW ARE ACTION THAT I TOOK TO SOLVE MY FINANCIAL/TAX SITUATION : 1. On XX/XX/XXXX received notification from XXXX XXXX that that my property taxes were in arrears, and that I had to act ( solve the issue within 30 days ).
2. On XX/XX/XXXX, XXXX XXXX open its applications for homeowners to apply for the XXXX Tax Sale Deferral Program 3. XX/XX/XXXX, I submitted my application for the Tax Sale Deferral Program and received an email that my application has been submitted 4. XX/XX/XXXX I received an email from XXXX XXXX representative, notifying me that my application for the tax sale deferral program has been approved XXXX. XX/XX/XXXX I received an email from XXXX XXXX that my tax sale deferral application was submitted to the Department of Finance, and they have removed my property from this years tax sale.
The purpose of the above process was to allow me time to explore financial assistance 6. On XX/XX/XXXX - PHH Mortgage payment was posted to my XX/XX/XXXX to XX/XX/XXXX Property Tax Bill ( at this time my bill was deferred until XX/XX/XXXX XXXX. XX/XX/XXXX I emailed PHH Mortgage explaining to them that they interfered in my financial affairs ( as mentioned above, I had already taken care of my tax situation ). PHH Mortgage wanted me to sign a Repayment Plan for the {$2200.00} that they had paid.
a. I originally resisted to sign the Repayment Plan and eventually agreed to sign the Repayment Plan 8. XX/XX/XXXX I agreed to a Repayment Plan for the {$2200.00} that PHH Mortgage had paid for my XX/XX/XXXX to XX/XX/XXXX tax bill. I mailed PHH Mortgage a check in the amount of {$140.00} ( this amount was for 3-months worth of payments ) 9. On XX/XX/XXXX my property tax bill was issued for the period XX/XX/XXXX to XX/XX/XXXX.
10. PHH Mortgage decided to pay that bill in the amount of {$1000.00}, on XX/XX/XXXX and cancelled my Repayment Plan and began calling me to pay them a total of {$3200.00} a. According to Maryland State Regulations, this bill would not be considered delinquent until after XX/XX/XXXX.
11. AT THIS POINT, PHH Mortgage is attempting to foreclose on my property because they are making me responsible for their intentional efforts to interfere in my financial affairs.
My Reverse Mortgage does not give PHH Mortgage the authority to pay my property taxes unless Im in a default status. I was not in a default status during the two times that PHH Mortgage interfered in my financial affairs by deciding to pay property taxes that were not delinquent. I am fully capable of handling my financial affairs and would like PHH Mortgage to STOP interfering, creating problems that do not exist!
PHH Mortgage has taken a position of violating my financial boundaries.
PHH MORTGAGE NEED TO STOP THEIR AGGRESSIVE BUSINESS PRACTICE!
NOTE : In addition to the above issues, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ) that there had been a third-party software event to gain access to my personal information ( social security number, address, etc. ). Accordingly, my identity had been compromised on or about XX/XX/XXXX.
Now Im receiving notice from my XXXX XXXX that my social security number was found on the Dark Web.
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| 01/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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I was approved for a HAMP Loan Mod on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I lost my job. I spoke with my relationship manager and XXXX advised I either make the payments timely or reapply for a loan mod. I had already waited a year to be approved for the loan mod. I paid Ocwen when I was unemployed, I was concerned if I reapplied my payment would be higher. XXXX DID NOT ADVISE ME YOU CAN ONLY GET A HAMP LOAN ONE TIME ONLY.
I made payments with an agent by Phone for XXXX, XXXX, XXXX payments. On XXXX/XXXX/XXXX, I called to say I would be paying more timely. XXXX told me I was denied because I did not return my paperwork to be notarized. I told her I never received the paperwork and I was not told they did not receive it. I was told they showed tracking that this was mailed to me without a signature. I SAID WHY WOULD I MAKE PAYMENTS AND NOT RETURN THE PAPERS IF I RECEIVED THE DOCS? I SAID " THIS DOES NOT MAKE SENSE ''. I asked why I never received a letter I was denied or a phone call. XXXX said several calls were made to my voicemail that was full. I said I have been looking for employment and my voice mail and cell phone never showed calls from Ocwen. I said you must have called my home phone that is not working. SHE THEN GAVE ME MY HOME PHONE NUMBER TO CONFIRM AND ALSO MY CELL PHONE TO CONFIRM. I SAID I DO N'T UNDERSTAND WHY YOU CALLED BY HOME PHONE WHEN EVERY APPT CALL WE HAD WAS MADE TO MY CELL AND I SAID THE BEST NUMBER TO REACH ME AT IS MY CELL NUMBER.
I said I did not receive any phone calls from the end of XXXX through XXXX. I NEVER RECEIVED A DENIAL LETTER OR TRACKING THAT I RECEIVED A DENIAL LETTER. She said l would need to reapply for another loan mod. I WAS NEVER GIVEN THE OPPORTUNITY TO DISPUTE MYHAMP DENIAL WITHIN 30 DAYS OR A CALL OF THE DENIAL ON A VOICE MAIL THAT WAS NOT FULL..
When I reapplied, I was approved for a standard loan at a higher rate and my payment jumped from {$1200.00} to {$1600.00}. THIS IS A {$390.00} DIFFERENCE. MY INSURANCE WENT UP {$120.00} a year and my taxes went down. IMAGINE MY SHOCK WHEN XXXX SAID on XXXX, CONGRATULATIONS YOU HAVE BEEN APPROVED FOR A LOAN MOD to I was told it would be a higher amount.. I asked for the information and she said it was not available and they mailed it out. She later gave me the information. OnXXXXXXXX, I was told the loan mod mailed XXXX. XXXX said I could dispute this but hold on to the loan mod paperwork. She spoke to her manager XXXX XXXX and they would send this to underwriting.
On XXXX, I was advised I could not dispute this. On XXXX, I spoke with XXXX XXXX at the Ombusman office. HE SAID HE DID NOT SEE ANY RECORD OF ME BEING TOLD I WAS DENIED WHEN I PAID AN OCWEN AGENTS BY PHONE. On XXXX/XXXX/XXXX, I was told by by a relationship manager I could not dispute a loan mod after I was approved. ONLY IF I WAS DENIED. FUNNY, I NEVER HAD THE OPPORTUNITY TO DISPUTE THE HAMP DENIAL OR WAS GIVEN A PHONE CALL OR DENIAL LETTER AND TRACKING OF DENIAL LETTER.
I reapplied for a loan mod last year, because my payments were increased {$150.00} a month due to escrow.My insurance only went up {$12.00} a month and my taxes went down. I then got insurance that cost less. My payments have now been changed to the amount it was before the loan mod.
|
| 08/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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On XX/XX/XXXX PHH Mortgage became the servicer of my home loan. It seems as if my loan is still being serviced by Ocwen Loan Servicing. Both servicing companies are responding in the exact same manner. I thought when PHH Mortgage services began I could possibly get a modification because they offered that as an option to get caught up on my loan. They gave me notice that the investor did not allow modifications, XXXX XXXX. I was well aware of the the investor guidelines with Ocwen Loan Servicing, however, I thought they had different guidelines. Why would you offer something that you know you could not accomplish. Why would you get a customers hope up if you knew the end result would be a denial. I explained this to them and they said they were following CFPB guidlines. I told them that within the guidelines, you have to incorporate common sense. If you can not offer a modification, then offer a short sale or deed in lieu. I have been cooperating with PHH by reaching out to my relationship manager and providing loss mitigation applications. PHH wasted time hovering over a modification application that they knew they could not approve instead of offering a short sale application.
I requested a short sale opportunity when I called them on XX/XX/XXXX. The representative notified me that the modification application was denied. She told me that I could not apply for a short sale until I personally received the turn down letter from the modification. I explained to her that it did not make sense because you offered something that you could not offer. In essence, PHH has not helped me at all regarding CFPB guidlines or any other federal guidelines. PHH did not exhaust every opportunity to assist me. I did not know my home had a foreclosure sale date until XX/XX/XXXX. I was calling asking for assistance when the representative casually said my sale date is XX/XX/XXXX..
I was taken back because I have been asking for a short sale and I was continuously denied. I was sent an email indicating that if I were to send in a loss mitigation package for short sale, it could not be reviewed because of the lack of time.
I sent a loss mitigation package by fax on XX/XX/XXXX and they indicated they are reviewing it but I don't know what to believe anymore. In the mediation hearing the company representative for Ocwen Loan Servicing announced that they purchase so many loans, they don't have the time read all the guidelines.
I was never contacted by PHH or their attorneys prior to the foreclosure sale date.
I just don't understand how, in the Greatest country in the world a person can by a hom
e and never be able to modify the interest rate or get away from a predator like Ocwen.Mortgage Servicing Company. My initial loan began with XXXX XXXX XXXX XXXX which allowed modifications and my loan was transferred to Saxon, Ocwen and now PHH. All three servicers are working for XXXX XXXX. My interest rate on my home loan is 10 % in XXXX. This is a predatory loan and I thought The Dodd - Frank Reform bill was enacted to help homeowners like me. How can one investor from XXXX ruin my American Dream and constantly keep flipping my loans to service rs that manage their loans.
I hope someone can help me regarding this situation.
|
| 03/23/2017 |
Yes |
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- Loan servicing, payments, escrow account
|
|
Web |
|
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I feel that Ocwen prepared, executed, notarized, presented and filed false and misleading documents with the courts, government, and myself to aid in the unnecessary foreclosure of this house. They provided false and misleading information to me about the status of my authorization to go forward and actively pursue loss mitigation alternatives that they offer. They did not follow the state procedural requirements for bringing a foreclosure, proven thru documents I am submitting, and the dates therein. I ask the state to perform a judicial review if necessary, and look at my few documents and letters, showing evidence of error, and false/misleading information. I was in good faith actively pursuing a loss mitigation alternative by loan assumption, including all back payments and taxes, as the lenders attorney stated in his letter postponing the sale. Ocwen has been charged with engaging in unfair and deceptive acts or practices in violation of the federal Consumer Financial Protection Act and state laws covering 48 states in the past. Their unlawful conduct resulted in injury to consumers like me and my family. The settlement required Ocwen to comply with the standards for servicing loans found in the XXXX National Mortgage Settlement between the state attorneys general and federal government and the five largest mortgage banks as well as new standards. The CFPB and state attorneys general can enforce compliance of violations of Ocwen 's servicing practices. Ocwen agreed to major reforms in how it services mortgage loans that require them to adhere to a long list of obligations with respect to borrowers facing foreclosure. Providing borrowers documents, and giving every available opportunity to first modify their loan before foreclosure action, and provide each borrower a reliable single point of contact so they have access to a person to obtain information from. This contact was enhanced to ensure consumers can pursue loss mitigation through other means, such as home-ownership events, public workshops and non-profit housing counselors. These are all things I have been trying to do alone, having no knowledge of home buying, mortgages, and escrows. These rules went into effect XX/XX/XXXX by the CFPB. Ocwen seems to be more a foreclosure company, not a loan servicer. There was not a bit of respect or aid given to me and my family, and again, all we want to do is pay the loan, taxes, have decent insurance. They began actively selling this house on several different sites, who I dug into and are all seemingly affiliated with each other/Ocwen. Even the nice people trying to get us to move out, offering a 'possible ' payment if we move quickly, is in the end an arm of Ocwen XXXX Most job opportunities on the sites are for another country, XXXX I believe, and why is it ok for a foreign based company to take the role of " helping homeowners is what we do '', and turn it into a money making foreclosure business for themselves, putting struggling American citizens out of their homes?? None of us in this house have enough money to 'just move '. My truck is sitting in the drive needing 400.00 in repairs, it wont budge. Every month we are paying our bills, we cant just hoard our money. Please, help us in this matter.
|
| 04/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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From XXXX XXXX XXXX - HUD approve d Housing Counseling Agency ... this is our client 's summary : since XXXX XXXX . I have had problems communicating or voicing my concerns on multiple discrepancies with a wide range multitude of problems. ( 1 ) did not apply payments properly on my account. They falsely or by error split up monthly payments into different escrow accounts and 8 months later claimed I had not made a complete monthly payment, while I paid what was on my statement . ( 2 ) A ju dge while I was in bankruptcy which I used to save my house, ordered the original amount they claimed I was in the rears reduced by XXXX k, if it were n't for that, I would have never been in bankruptcy. ( 3 ) the XXXX was never credited ( 4 ) t he original XXXX corrected amount was never corrected in the account all the late fees, penalties, extra charges they added on based on their error was never corrected and they kept compounding. ( XXXX ) I was never afforded the ability to speak to anyone about these corrections, Operators would never know from day to day calls from me on the above issues after they all said the were documenting my account and anyone logging into my account would see the memos . ( 6 ) Operators f rom XXXX would never know who to contact within their own Co. To answer or hear my concerns, everything was always above their pay grade, and somebody would call me back, never did. ( 7 ) I was never shown where payments made were being applied even though I asked for one, ( 8 ) never given a statement ( 9 ) statements mailed to incorrect address, did not receive till 3 months later from another local business in the community, after it had been opene d. ( 10 ) went over 1 yr w out a statement after XXXX XXXX ( 11 ) r equested via XXXX to payoff my loan at XXXX , never received a response. I through XXXX at the time had authorized the agency to receive copies or correspondence, phone calls from Ocwen on my behalf as we worked on this matter through Ocwen representative that Sue was finally able to reach. ( 12 ) I have had an Ocwen operator tell me that she believed Ocwen purposely split regularly made monthly payments, split the payments up into escrow accounts they claimed were short, not telling the client for months that this was occurring w their accounts, the several months later, claiming non payment. putting the client in a bad position. This is just one thing that has happened to me. ( 13 ) I also multiple times requested a mortgage rate modification early on in the struggles w Ocwen never responded to my application or paperwork submitted on my behalf. ( 14 ) It was n't till Sue reached someone to talk to about my concerns. The first time I was given a chance to speak to someone on speaker phone at XXXX office in 4 yrs, that just was n't going to ask me for a financial update like a robo response on the multiple phone calls sometimes everyday for weeks trying to speak to anybody else other than a paid answering machine operator who could only ask for account number or social then ask for a financial update and not be able to answer any questions, they were not keeping up w my account properly it was totally in disree, nobody was managing it.
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| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This complaint is with Ocwen Loan Servicing of XXXX XXXX XXXX FL. Loan # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( divorced ) on title and the loan.Loan originated XXXX, because of my experiences with previous loan servicers, I have a my payments mailed " proof of service '' by mail, by a 3rd party each and every month except when payments have been made online. Ocwen, enjoys assessing late fees even in the grace period, when they begin phone harassment.With the exception of 3 late charges all of the other ones have been mailed timely, sufficient to reach the Texas payment location, ( eg,. by the XXXX of the month, leaves 8 days to travel and be processed ), not with Ocwen, payments are accessed late charges 50 % of the time, except when paid online. XX/XX/XXXX and XX/XX/XXXX, I paid these XXXX payments on the Ocwen Website and was charged a XXXX XXXX, {$7.00} fee. I did this because Ocwen for no logical reason was showing my account as having a past due amount and the online payment was applied ( IHAVE COPIES OF ALL ONLINE CHECKS PAID TO OCWEN ) an inapplicable past due amount ( contacts by phone were with outsourcing, maybe XXXX, with extreme difficulty understanding their dialect ) In the online payment Ocwen was given all my personal account information to make the authorized payment on the website, which was done on the XXXX day of XXXX XXXX, a payment of {$1000.00} plus XXXX for service charge-online ; then the next day without authorization Ocwen debited my checking account again for the same amount of {$1000.00}, it would not have been noticed except it caused my account to be overdrawn with ensuing NSF charges. Ocwen was then contacted and I demanded the return of my fraudulently/negligently obsconded funds, Ocwen within 3 days paid my account back, but request for overdraft fees were not responded to. The next month, thinking that the recent gaffe was simply negligence, I paid Ocwen in the same {$1000.00} on the XXXX of XX/XX/XXXX online with a XXXX fee and again they took my private account information and withdrew XXXX the next day XX/XX/XXXX for the second time, again this second withdrawal was fraudulent and without my consent causing overdraft fees to my limitedly funded checking account, they were again contacted and I demanded that my XXXX be returned to my account and for them to close my ONLINE ACCOUNT, Again, talking with the outsourced customer service I demanded my money XXXX back and within 4 days it was returned. This outrageous behavior is a felony if committed by a private party. Still dealing with the aftermath of the " robberies '' from the previous two months. I sent a check payment ( mailbox rule, XXXX v XXXX et seq ) on the XX/XX/XXXX, proof of service by mail, with a check of XXXX enclosed and by the XX/XX/XXXX ( late date ) it still has not posted to my checking account ; or for that matter to this date XX/XX/XXXX. After reviewing my online information it was apparent that Ocwen was holding my XXXX payment in " suspense '' and had held the previous month in the same fashion causing 30 days late 's to the credit bureaus. I CONSIDER MY ACCOUNT BEING HELD HOSTAGE BY THE GATEKEEPER OCWEN and request that you review these unlawful activities? Sincerely, XXXX XXXX XXXX
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| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My complaint is about PHH Mortgage Services at address XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. I've been making payments online or through my mobile application for PHH XXXX. The last time I attempted to make a payment through my mobile application, I received an alert stating, " You are not eligible to make a payment at this time. Please contact XXXX to make a payment. '' I then logged into the mortgage website to see if I can make a payment online. The website states, " Please contact XXXX to make your payment. '' When I called XXXX phone number, I was instructed with my only options of making a payment. The options were to make an immediate payment over the phone for a fee, go through XXXX XXXX and fee, or use XXXX XXXX. I pressed " 9 '' to speak with a customer service representative. When I finally spoke with the customer service representative, I was informed that I could not use any service other than the over-the-phone payment unless I signed a release consent form. I asked her when did this change happen. She said, and I quote, " This is crazy. I've been getting calls about this all month. '' The PHH customer service representative continued saying, " Let me see what I can do. I am having a challenging time finding this form PHH is saying customers must sign and mail back in before we are allowed to take payments any other way than over the phone. '' She continued saying, " Once I send you the form, I will be able to accept one payment from you over the phone, but sir, there will be a {$17.00} fee to accept your payment over the phone. '' At this time, I wanted to make sure I am hearing this PHH customer service representative right. I asked her, " So, you are telling me that until I sign a form that you are having extreme difficulties finding, the only way you can accept a payment from me each month is over the phone for a fee? '' She said, " Yes, I am sorry, but this is what I am reading here from our PHH management. '' To sum it up, my complaint is PHH Mortgage ( XXXX ) is blocking acceptance from any other form of ease of payment services they currently offer other than through PHH phone service, which PHH requires the mortgagee to pay PHH a {$17.00} fee. The next complaint is that PHH never informed me of any release form to use other payment services forms. The customer service representative had difficulty finding the form, and nowhere on my mortgage statement or online service does PHH mention this new release form. The PHH customer service representative agreed that what PHH ( XXXX ) is doing is not right, nor is it fair to the customers. She is very uncomfortable doing what PHH is asking her to do or say to the customers. She also made it clear that my phone call is the first she had a chance to get all the information about how PHH is blocking customers from making payments. She said customers have just complained about over-the-phone automated payments are difficult to navigate, and they don't understand why they have to make payments this way all of a sudden.
If PHH has now forced all their mortgage customers to make over-the-phone payments for a {$17.00} fee, then how much money have they made in this extortion from its customers now?
Something has to be done about this.
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| 11/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My initial complaint was filed on XX/XX/2019, complaint # XXXX requesting information from PHH Mortgage Services. The did answer one of my questions by admitting they made a mistake but have still not agreed to correct their error. My complaint was not fully answered. I have tried numerous time to speak to XXXX XXXX the gentlemen handling the case. He has never returned any of my phone calls even though it was suggested in the many correspondences received from PHH that he would be available to talk. The facts are, as of XXXX XXXX there was a suspense balance on my account in the amount of {$1300.00} which I attempted to apply to my XX/XX/2019 mortgage payment. In their response PHH agreed to this balance but, stated " Records indicate that during the service transfer from Ocwen to PHH the suspense balance in the amount of {$1300.00} was inadvertently applied towards the unpaid principal balance They further saud. '' We strive to provide each customer with the utmost in customer care and professionalism and are sorry to hear of any unsatisfactory experience you may have had. We sincerely apologize for any inconvenience you may have encountered as result of this matter. '' The inconvenience was PHH reported me 30 days late to all credit reporting agencies and caused a 31 point drop in my credit score.My request was this amount be combined with my payment of {$1100.00} to satisfy my mortgage contractual obligation of {$2400.00}. PHH in all these months neglected to tell me about this inadvertent application of my funds. From XX/XX/XXXX to today I have been attempting to get my money applied the way I requested. The fact that PHH or Ocwen inadvertently allocated my funds would indicate they have the power to reverse this error and do as I requested. During this process my monthly payments have been all past due. I need my money being applied as I requested and PHH to contact all the major credit reporting agencies that I was never late.
Also, my complaint requested proof that I was credited for {$5000.00} XXXX which was approved on XX/XX/2019. On the statement I received I do not see the deduction. I am requesting proof that I received the {$5000.00} credit. On XX/XX/2019 I received confirmation of Modification of Promissory note making my new mortgage payment {$2100.00} and unpaid principal of {$330000.00}. On XX/XX/2019 there was an adjustment of XXXX {$7900.00} XXXX, see copy of statement supplied by PHH. My question is why did my loan principal increase by this amount?
None of the questions I asked were answered to my satisfaction. In their response the excuse for not applying my funds as I requested their response that they made an inadvertent mistake. My request is they correct the mistake and apply my funds as I requested. When it comes to my my money an inadvertent mistake is not an acceptable result and can easily be reversed by a ledger adjustment, which would credit my money to my mortgage payment and increase my principal by the same amount. Finally, my request for missing principal adjustment of {$5000.00} and a detailed explanation as to the reason the loan principal was increased by {$7900.00} after the loan modification was approved and my mortgage monthly payment adjusted.
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| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The mortgage company PHH mortgage took over my mortgage back in XXXX without my permission. When this happened, they did not allow me to make an on time payment the first month as they did not even set up my account until half way through the month of being due. In turn, this put me one month behind on my mortgage. The only solution they had for me was to put in under a forbearance program which would put my mortgage on hold for 3 months. This started on XX/XX/XXXX and was to run until XX/XX/XXXX. During this time, I was able to get no update as to how this program would be closed out, as to if I would need to pay the 3 months of hold all at once, divided out into my mortgage, or placed on the end of my mortgage. They said this would not be told to me until after the process was complete and the forbearance closed out. The other difficult part was this would be finished XXXX XXXX, but they would not actually have my answer for me until at the earliest XX/XX/XXXX, but still expected me to make payments to my account before I knew what I was actually to be paying. XXXX XXXX came around and I finally was sent a packet which had all my closing documents on it for the forbearance they should be placing all missed/held payments to the end of my mortgage. This document had to be notarized. I took this to a local XXXX store to get it notarized and sent it back in. I had to wait another week before they would process this and at this point only by me calling PHH I found out they did not accept the notarized documents as correctly done. They stated even though the documents from the notary listed both mine and my wifes first and last name, since it only had out last name listed once and not as both separately they would not accept it and I had to get the document re-notarized. The company sent a mobile notary to my house on XX/XX/XXXX, to resign the documents. Even the notary that the company sent tried to sign the documents the exact same way as the XXXX store. We had this corrected and the notary sent back the forms to PHH on XX/XX/XXXX. Fast forward to XX/XX/XXXX. I still have not heard anything, so I called PHH and was told they only finally received the signed form on XXXX XXXX, over one month after it being sent in the mail and scanned to the company. Today is XXXX XXXX and I am still at this point waiting to have a finalized document to close out my forbearance program so I can finally start making payments on my account again. I am being told I might have an answer by the middle of next week, and should be called back, even though after speaking with over 10 different agents on multiple occasions always being told I would get a call back, I have never once received a call back from someone at this company. I was told once my documents were received it would take no more than 10 days to finalize and close out everything. I tried to escalate this to a manager while on the phone with someone, but was told at the earliest I could speak with a manager was XX/XX/XXXX, three weeks out from the date of my phone call. I just want to close out this forbearance so I can start making payments on my account again and honestly refinance my mortgage with another company so I never have to deal with PHH again.
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| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On or about XX/XX/XXXX, my mortgage was transferred form Ocwen Loan Servicing to PHH Mortgage Services. Since my account has been transferred to PHH there has been gross negligence with the processing of my monthly payments. I have made a total of nine ( 9 ) payments from that date to PHH. However, there has been a lot of confusion and back and forth with PHH locating and posting my payment in a timely manner.
Upon reviewing my credit report from all three credit bureaus, XXXX, XXXX and XXXX XXXX, I found that PHH has been incorrectly reporting most of my monthly payment amounts and balances. I have given them every opportunity to investigate this matter and correct their wrong doings, but they continue to report to the credit bureaus that the information they reported is accurate. I made two ( 2 ) online payments from XX/XX/XXXX-XX/XX/XXXX for {$810.00}, but the actual payment amount reported for XX/XX/XXXX on my XXXX report is missing the amount I actually paid ( {$810.00} ), and they reported the same balance amount of ( {$100000.00} ) for both the months of XX/XX/XXXX-XX/XX/XXXX. Subsequently this error has caused the majority of my monthly balances to be reported incorrectly to XXXX, and potentially other credit bureaus. The information on my XXXX report shows that PHH reported and updated incorrect information to the credit bureaus despite the balance and payment information on my updated monthly mortgage statements. These statements show the correct dates that my payments were received versus the untimely dates that they used to apply my payments. Secondly PHH has carelessly misplaced my XX/XX/XXXX payment, and after days of going back and forth with them they found my payment that was received on XX/XX/XXXX, but was not applied to my account until XX/XX/XXXX. I was assured by the Escalation Manager, ( XXXX XXXX ) that my credit would not be adversely affected, because it was their error. Also my XX/XX/XXXX payment was received in a timely manner, but my payment was somehow lost or returned, and after a lot of back and forth I was assured by the Escalation Manager, ( XXXX ) that my credit would not be adversely affected, because it was their error. After all was said and done a stop payment was put on that XXXX payment, and new payment was sent out to PHH, and received and applied to my account on XX/XX/XXXX. In addition to the harm that PHH has already caused my credit, they continue to report inaccurate information. My payment information on my XXXX report states my actual payment reported for XX/XX/XXXX, was {$1700.00}. This is incorrect, because one ( 1 ) payment for {$880.00} was made to my account in XX/XX/XXXX, and it was received on XXXX and applied on XX/XX/XXXX. PHH has been reporting wrong information that has adversely affected my credit and any services that I have currently and previously applied for. Also services that I currently receive that were under review for renewal or increases were unfairly or unfavorably impacted. I have worked hard to have my credit in good standing and they have managed to destroy that single handed. It is egregious and predatory for PHH to believe that they can continue to cause harm and not be held accountable for their wrongdoings.
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| 04/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX. The loan in question is under my husbands name XXXX XXXX XXXX. I have authorization to speak on my husbands behalf concerning the mortgage loan with Ocwen, and this is well documented with the loan servicer.
After going through hurricane Irma in XX/XX/XXXX and experiencing a hardship due to an unexpected change in our financial situation, my husband and I subsequently fell behind on our mortgage payment, beginning with the XX/XX/XXXX payment. After falling behind almost 3 months, we received a letter from Ocwen sometime in XX/XX/XXXX, suggesting that we contact the Florida Hardest Hit Funds ( HHF ) for assistance. We contacted the HHF immediately. We have since been approved for the Florida Hardest Hit Program ( and/or MEP program ), who will assist us in getting our mortgage reinstated. However, it took up until XX/XX/XXXX before the process was completed. During that time, Ocwen Loan Services did not want to accept any mortgage payments from us, until the reinstatement amount has been paid in full.
The reinstatement amount on the latest mortgage statement is {$5100.00}.
However, when the HHF contacted Ocwen to get the reinstatement amount for our mortgage, Ocwen informed the HHF ( MEP ) program that the amount to reinstate our mortgage would be {$11000.00}.
This is an additional amount of {$4600.00}!
Immediately upon learning about the additional fees, I contacted Ocwen. On XX/XX/XXXX, at XXXX, I had an appointment with our Relationship XXXX, XXXX XXXX. XXXX XXXX was able to break down the fees as follows : Transmittal {$250.00} Foreclosure {$1300.00} Total {$1600.00} Incurred Fees {$1000.00} Estimated Costs Recovery {$1900.00} Recovery Dismissal {$27.00} Complaint {$960.00} Service {$1000.00} Total {$4900.00} *Note : I just notice that these fees come out to be more than the {$4600.00} discrepancy that my husband and I was inquiring about. However, that may be because of an error in transcribing the information ( but I doubt it, because I did repeat the amounts once I wrote them down. XXXX XXXX has also requested this same fee breakdown ( itemization ) to be sent to him in writing from the Ocwen Research Department, where he faxed a letter making this request to ( XXXX ) XXXX-XXXX.
However, when the Ocwen Research Department provides us with that written break down ( or itemization ) of the fees charged, it is not enough that they simply just provide us with the same breakdown that our relationship manager gave us. We need to know how these fees are being justified, as we believe them to be excessive, particularly, since we were able to avoid foreclosure by contacting the Florida Hardest Hit Funds. Incidentally, on the third page of the mortgage statement I have attached, it clearly states the following : Your account has not been referred to an attorney for foreclosure.
Also, please notice that the above entry of our mortgage statement ( XXXX ) was not written in bold writing. Therefore, we want to know if these additional fees were necessary, fair, and accurate, and as such, we would like Ocwen to please explain or show that these fees are justified, as we intend to dispute these fees if they are found to be unnecessary, unfair, and therefore excessive.
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| 01/05/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I refinanced from original XXXX XXXX XXXX of XXXX. From XXXX XXXX to The XXXX XXXX Bank, the fixed interest rate went from XXXX to XXXX. I am also enrolled in XXXX with XXXX XXXX, so I dont pay property taxes due to be a 100 Percent Permanent and Total Veteran. It was a XXXX XXXX as well. I was informed by The XXXX XXXX Bank that my account will be transferred to another company PHH Mortgage, for no apparent reason, but because the computer does this without their control XXXX of XXXX. I made every payment on time and numerous times it was made early.
PHH Mortgage could not find my account for whole month of XXXX, although The XXXX XXXX Bank said my next payment XXXX of XXXX has to be with PHH Mortgage. Therefore, The XXXX XXXX Bank accepted XXXX more payment. I called PHH Mortgage several times concerned about this, and paying on time as usual.
I was able to see my account mid XX/XX/XXXX with PHH Mortgage and they had extremely high figures as if the loan was just established, they set it in my profile at the original price of the home in XXXX of XXXX which was {$280000.00} When I addressed this, they informed me that all payments went to principal. I advised this was incorrect. I also questioned why wasnt the amounts just transferred because there was no figuring needing to be done.
I called back XXXX of XXXX because it showed my mortgage payment increasing XXXX of XXXX by {$26.00} PHH Mortgage said my insurance went up an I was now in the whole {$680.00} XXXX immediately called my insurance XXXX XXXX an they have me assigned to XXXX XXXX handling my account. Therefore XXXX XXXX advised that it should not be in the whole {$680.00} but it infact went up. They confirmed all amounts in XXXX the insurance was {$1100.00} in XXXX the insurance was {$1400.00} an the difference was {$340.00} At that moment we made a few adjustments to bring it down and PHH Mortgage was sent the new Declaration document showing the new amount XXXX XXXX PHH Mortgage received the document. Once I questioned PHH Mortgage where the {$680.00} in the whole came from, they now advised XXXX XXXX that its property taxes as well. I advised that I dont pay property taxes, a questioned if they infact received all documents from The XXXX XXXX Bank . I was extremely terrified because my next payment in XX/XX/XXXX was even higher, approximately {$20.00} more and increasing. I demanded answers and requested new analysis, proper paperwork and what were they truly charging for interest then.
XXXX the escalation XXXX finally took over the case and advised that they will contact the XXXX tax office to confirm my XXXX. But they would only do this first, then they will address the overpayment from inputting my insurance and mortgage payments. This was unacceptable to me, due to being impacted by increasing payments I do not owe because of their negligence.
I am not sure what figured they have regarding my insurance, my interest rate, nor the correct amount owed left on my XXXX XXXX. I am not sure what they have regarding the correct mortgage payment. I am not getting much assistance and this is an enormous investment, however, it is not being handled as such. Nor was it ethically transferred and handled professionally.
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| 11/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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This is a follow up to CFPB Claim # XXXX in which Ocwen says : ",,,, the investor of the account prior to receiving the payoff amount was XXXX. XXXX XXXX. However, Ocwen was servicing the account prior to the account 's payoff ; therefore, all inquiries should be directed to our office. It is important to note that the ownership of an account may change from time to time and in many cases will not be the original investor of the loan or remain the same throughout the life of a loan. '' My request was for Ocwen to ask his investor how is it possible that if XXXX XXXX obtained the assignment in XXXX ( per their documents which by the way has forged signatures ), assigns the loan in XXXX to XXXX XXXX XXXX who keeps it until XXXX but XXXX never clears the assignment ( per XXXX assignment issued by The XXXX XXXX XXXX issued in XXXX - copy previously attached ).
XXXX XXXX XXXX submitted a XXXX to the shares against this unit in XXXX XXXX. It is clear that 2 parties were claiming ownership of the loan against my unit. Is n't this fraud?
The fact that there was no XXXX continuation is irrelevant since Ocwen 's client - XXXX XXXX never cleared the original assignment. Therefore, I suggest that Ocwen obtain clarification from his investors.
The mere fact that XXXX XXXX retained an assignment which remains unclear, and being that Ocwen was the servicer of the loan until its payoff in XXXX, gives Ocwen the obligation to file a XXXX.
Based on Ocwen 's response which included a statement indicating that they have 'found ' a XXXX filed XXXX and their continued claims that they had filed a document with the county, indicates to me that they agree with my request above. However, they failed to note that the XXXX they found and enclosed, belonged to apartment XXXX ( It was not a typo. I owned XXXX units up until XXXX - XXXX and XXXX in the same building. I sold XXXX in XXXX ) Ocwen served the loan against apartment XXXX. Furthermore, how is that Ocwen does n't know what they filed. Very difficult to comprehend that the whole Ocwen team is this incompetent.
Therefore, the recorded document they attached DOES NOT FULFILL OCWEN 'S OBLIGATION TO ACKNOWLEDGE THAT THE ACCOUNT IS PAID IN FULL NOR SUCH RECORDING MAKES IT A MATTER OF PUBLIC RECORD THAT OCWEN NO LONGER CLAIMS ANY INTEREST IN THE ABOVE PROPERTY WITH RESPECT TO THIS ACCOUNT as they indicate since it reflects incorrect address and makes reference to the file against a different unit/shares.
Ocwen further stated on the previous response : " As previously advised, XXXX XXXX is an owner 's corporation/property management company. The XXXX and XXXX XXXX, previously provided to you, completed between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which has XXXX Park 's name listed as an investor. '' It is unclear to me, what the role of XXXX XXXX is on my loan. Ocwen stated : " XXXX as an owner 's corporation/property management company and then further states that XXXX XXXX is listed as an investor '' - -- which one is it and does that mean that there was a third investor on my loan??? why? and how come none of this was disclosed. What are they getting for being part of the loan to which they did n't contribute a dime to, I want to know.
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| 10/29/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I am seeking to APPEAL the lenders decision of my denial for my modification and am requesting that the servicer, OCWEN, take time to consider and review my APPEAL of my submission for a modification. The denial letter I received was dated XX/XX/XXXX, see attached.
I am requesting that the foreclosure be postponed. I have a foreclosure sale date scheduled for XX/XX/XXXX. " Time is of the Essence ''.
Please review APPEAL and please allow me to have a loan modification.
I request that you postpone the foreclosure sale date immediately, to allow time for the review for my appeal. I ask that you sincerely re-consider me for a modification for home retention. I request that they modify me into a 40 year loan. That will bring down my payment and allow me time to have my 12 payments with no lates and then I will be able to refinance at that time. Then I will be able to payoff your bad Negative Amoritization loan and I won't have a FLEX PAY/NEG AMORITIZATION LOAN. We both know these loans should have never been allowed to primary home buyers in the first place. These are bad loans for all of us first home buyers. They are a gross negligent loan product for home buyers across our nation. The same way you have declined my request for modification time after time, you should have been so diligent in your lender guidelines to protect all primary and first time homeowners from this predatory loan product. Lenders have a responsibility to first protect every first time and all primary home buyers from this loan. As soon as the market crashed you should have modified us unconditionally. How many home owners have lost their home because of this loan product?? Please provide the numbers. It should have been written in the investor guidelines, " no Flex pay/Neg amortization loans for first time home buyers, ever ''!!! It should be illegal for these loans to be offered to primary homebuyers. Counseling for pre- home ownership would have made no difference for this loan program. There was no way for counseling to have protected me. Only way I could have been protected from this predatory loan would be for it never to have been allowed to exist in the first place, for primary home buyers. Bad lender guidelines. The reason because, from the time of inception of this loan, I have never had an opportunity or option to get out of it, from the investor, or have ever been offered a modification. Even when I called OCWEN and let them know I was in imminent default. They should have been able to offer an option for a modification that would help me to retain my home and get out of this bad loan. In XX/XX/XXXX, my payment on this bad loan went from approx. {$2300.00} to {$4500.00}! in one month!! The loan did a recast. Prior to that I had made 12 months of consistent payments. OCWEN, should have changed it over to a modified bridge loan, to protect both our interests, and allow me to make good on my intention of paying my mortgage for my home.
I have a foreclosure sale date scheduled for XX/XX/XXXX. " Time is of the Essence ''.
Please review APPEAL and please allow me to have a loan modification.
Please let me know if you need any other supporting documents or anything else.
Kind regards, XXXX XXXX
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| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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As of today, Tuesday XX/XX/XXXX, PHH Mortgage Servicing is claiming that they are not responsible for my missing payment history for my mortgage and they stated that they had indeed provided the payment history for my mortgage to all 3 major credit bureaus ( XXXX, XXXX and XXXX ) for the months of XXXX, XXXX and XXXX of XXXX.
Here is a copy of the response from PHH Mortgage Servicing stating that they have no control on how the credit bureaus report my payment history and PHH Mortgage Servicing knows that the credit bureaus only report what is provided to them by PHH Mortgage Servicing who is currently in violation of the FCRA and the FDCPA.
**Beginning copy of response from PHH Mortgage Services** We have no control on how each credit bureaus reflects this information. You may contact the credit bureaus for any further assistance. The following is a list of the credit bureaus to contact : 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 GA XXXX XXXX TX XXXX XXXX PA XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX *****End of copy of response***** Since PHH Mortgage Servicing stated the problem was due to the 3 major credit bureaus and to phone them directly, that's exactly what I did and here are the documented notes from the each major credit bureau ( XXXX XXXX XXXX and XXXX ) concerning the missing payment history for my account.
Documented Phone Conversation With XXXX Representative : Spoke with XXXX rep on XX/XX/XXXX @ XXXX EST by the name of ( XXXX XXXX and she is on XXXX XXXX. The XXXX representative also stated that the mortgage history from PHH Mortgage Servicing is missing the payment history for months of XXXX, XXXX and XX/XX/XXXX and PHH Mortgage did not report them. The XXXX representative stated on today she is submitting a dispute over to PHH Mortgage Servicing to provide the payment history for the months XXXX, XXXX and XX/XX/XXXX and they are to be reportedly accurately for all 3 missing months payment history.
Documented Phone Conversation With XXXX Representative : I spoke with XXXX, the agent name is XXXX ( agentid XXXX ), ( date XX/XX/XXXX @ XXXXXXXX XXXX ) and she stated that PHH Mortgage did not report the month of XX/XX/XXXX payment history to XXXX and XXXX has entered a dispute for PHH Mortgage Servicing to receive the payment history for the month of XX/XX/XXXX and for it to be provided to XXXX and reported accurately. Re : XXXX confirmation number : XXXX Documented Phone Conversation With XXXX Representative : Spoke with XXXX agent ( agent name XXXX XXXX on XX/XX/XXXX @ XXXXXXXX XXXX and the XXXX agent stated that the mortgage is being paid on time ; therefore, the X that being reported via XXXX by PHH Mortgage Service is in violation because by the months of XXXX, XXXX and XX/XX/XXXX are being reported as current. By placing the X in the field, PHH is purposedly suppressing the information by placeing the X in the XXXX field where the number 1 should go so that the months in question will report as current. XXXX representative entered a dispute with PHH Mortgage Servicing for them to remove the X and report the missing months of XXXX, XXXX and XX/XX/XXXX accurately.
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| 09/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Re : XXXX and XXXX XXXX XXXX Acct # XXXX Our Mortgage lender : XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear CFPB, Early this year ( XXXX ) PHH bought my mortgage from the previous lender. in initial calls I had with them, they informed me I could defer making mortgage payments for 3 months due to covid 19. I accepted it under the main condition that at the end of the 3 month period, PHH would NOT ask me for a lump sum of deferred 3 months worth of payments and that instead they would ( just like many other lenders ) would add that to my back-end loan and that I would resume making my regular monthly mortgage payments. The rep from PHH assured me I had that option in the recorded call. After 3 months, since I did not hear fro
m PHH, I did what a responsible customer would do. I made a payment to them and also after many attempts was able to speak with PHH rep XXXX ID # XXXX on XX/XX/XXXX. To my surprise, she informed me that " due to government rules '' PHH had automatically deferred my payments until XX/XX/XXXX and that I didn't had to make the previous payment. She went further-on and assured me that once again these deferred payments would be added to my back-end loan and that I wouldn't be faced with a hefty lump sum payment come XX/XX/XXXX.
After receiving conflicting letters from PHH, on XX/XX/XXXX I spoke with XXXX XXXX ID # XXXX. To my shock and surprise she then informed me that my plan somehow was not in the forbearance plan and that I had to make a lump sum of $ XXXX payment!! when I asked her about the recent letter I had received from PHH about $ XXXX lumps payment, she had no answer.
After this call, I tried many times and this time they assigned me to an escalation manager : XXXX ID # XXXX. She provided me her number of XXXX ext XXXX. She refused to provide me with her email address. After a lengthy conversation, she said she was going to look into this matter and that she would follow up with me. After playing phone tags few times, despite many emails I sent to her department and voice mails I left her, she has thus far refused to call and speak to me.
In my original conversations with PHH, I obtained assurance from their agents that these deferred payments would be added to the backend of my loan and that they would not ask me for a lump sum of payment when deferment ended. If that was the case, I would have never signed up for it.
Working with PHH, it's XXXX and also their other email of XXXX has been a nightmare for me and my family. Only thing they reply is a generic email. They do not bother to call me to help. their agents are extremely difficult to work with with zero transparency.
once again to my surprise, I recently received a letter that they have now deferred my payments until XX/XX/XXXX????? without my consent!! they have further gone and reported late payments to my credit!!!
Their actions has and keep causing me and my family much stress and difficulties on top all the hardships we face due to covid XXXX they have made it very difficult to work with them. every time I have spoke with different people fro PHH, Im provided with conflicting information.
I ask you ( CFPB ) to please step in a help us.
Thank you your time ( CFPB ).
|
| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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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.
|
| 08/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
In XXXX of this year I filed a complaint about PHH mortgage company because of a situation that is either gross incompetence or an attempt to take advantage of my vulnerable situation as a new widow and force me into foreclosure. That complaint was never fully resolved, however it did get PHH to send me the paperwork they had been dragging their feet on ; paperwork to make a mortgage modification permanent. The paperwork was supposedly sent out in XXXX but I never received it and they refused to acknowledge my attempts to get the paperwork sent to me. I also received paperwork for a mortgage assumption which I am entitled to since my husband passed away. The paperwork was sent to me via XXXX with instructions for completing and returning it. I signed and returned it on XX/XX/XXXX via XXXX per the instructions. I have confirmation that the paperwork was received by PHH from the tracking information provided by ups. However, I never received any follow up or confirmation that the paperwork was received from PHH. I sent several emails in XXXX requesting information on where to send my payments since my online account is inaccurate and the payment feature disabled. I didnt get any response. I sent my XXXX payment to an address I obtained from their website, but I didnt get any confirmation from PHH that it was received. I sent it certified so I have tracking information. Finally, sometime In XXXX I received a response to my question about a payment address. The address was different from what I found on their website. The email from PHH also stated that the modification and assumption had been canceled because the paperwork was never received. I have confirmation that it was received, and the name of an individual who signed for it. I sent a copy of that tracking information in a reply email.
I made my XXXX payment to the address provided to me in that email. I sent it certified with signature confirmation. Today is XX/XX/XXXX and I still havent received the signature card back. The payment was delivered to their box on XX/XX/XXXX.
PHH is still failing to acknowledge the modification and assumption paperwork I signed. They continue to charge late fees despite the modification and the payments being made on time, they refuse to update my account with any of the correct information, including the name on the account. Currently the account is in the name of someone who never existed on this account. It is not in my late husbands name or mine. Since I havent received the signature confirmation from the XX/XX/XXXX payment I think they are failing to collect the payment so they can add more late fees.
I want all of these issues corrected, all missed payments included in the modification. The number of missed payments is significantly higher than it should have been due to their incompetence or illicit attempt to force me into foreclosure. Had they done the modifications in an appropriate time frame the account would never have gotten so far behind, or accumulated so many late fees. I want the late fees removed from the period between when I received notice of the modification in XXXX, until this is all corrected. I want the account information corrected and accurate and in my name.
|
| 06/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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Ocwen modified my mortgage under HAMP on XX/XX/XXXX - mod. eff. date was XX/XX/XXXX -1. Ocwen did not credit/apply all payments made by me prior to and after the mod. date - On XX/XX/XXXX, I made payment to Ocwen in the amount of {$1400.00}. This amount represented an overpayment of {$190.00}. That amount was placed into " suspense '' and later used to offset " property inspection fees '', " property valuation expenses '' and the like, instead of being credited to the principal balance, escrow balance or returned to me. On XX/XX/XXXX I made trial payment number XXXX ( of XXXX ) in the amount of {$1200.00} ( confirmation # XXXX ). This payment was never credited/applied to my mortgage.
Following the modification, I made a payment of {$1400.00} on XX/XX/XXXX ( confirmation # XXXX ) which was to be my XXXX payment under the modification. Ocwen credited/applied {$1200.00} of that payment towards the XX/XX/XXXX payment due, but never credited the remaining {$200.00}. On XX/XX/XXXX, I made a payment in the amount of {$1300.00}, which represented an overpayment in the amount of {$100.00}. That amount was never credited/applied.
2. Ocwen reduced my escrow account balance from a pre-modification balance of ( {$910.00} ) to a post-modification balance of ( {$1500.00} ). This has been explained by them as a means of adjusting for the modification. As a function of the modification, they applied XXXX monthly installments toward my mortgage account, which included XXXX installments of {$270.00} toward my escrow account - a total of {$1100.00} - then promptly withdrew {$1700.00} to adjust for the {$1100.00} they had credited to the escrow account. This means Ocwen took {$640.00}. There is no explanation for theft. Ocwen claims to have capitalized that amount to the principal balance - RIGHT!! Let 's take cash out of the escrow account and convert it into a principal payment?? Get real!!
3. Ocwen assessed a large number of late fees and other fees prior to, during, and since the modification, all of which were supposed to have been waived as part of the modification. As a result, Ocwen shows me with a balance of {$45.00} ( meaning I have paid {$45.00} more than was due them, and they have never refunded the overpayment ) in late fees ( for a period of more than 2 years ), and a balance of {$100.00} in " suspense '' ( for the past 14 months ).
4. Ocwen has NEVER provided a breakdown of the sum which was added back to the principal balance during the modification adjustments. My pre-modification principal balance was {$140000.00} ( not including the application of payments which were not applied as complained above ). The post-modification balance was {$140000.00} - a difference of {$3000.00}. They also show principal balance payments totaling {$290.00} in the process, which would reduce the total amount added to the principal as a result of the modification to {$2700.00}. Ocwen has never stated or shown how they arrived at the amount they added back into the principal.
XXXX XXXX, XXXX of the Consumer Ombudsman in XXXX, Iowa, has been reviewing my previous complaint on this matter, which lacked in specific details. Please forward this to him to avoid a redundancy in effort. Thank you!
|
| 09/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This issue has been going on for 10 plus years! PHH mortgage has made several accounting errors and has put fees onto my loan to compensate for their mistakes. In XXXX There was a fire where I live and I called to see if I could make a payment possibly 2 weeks late due to a hold up on an escrow. I was granted that request by a forbearance. I was able to make my payment in a little over a week but was denied because I was in a forbearance. I was held in this forbearance for approx. 11 months and during this time was sent into a foreclosure and charged fees for such. during this time it was found out that PHH had not been collecting my property taxes as part of my impounds as my loan paperwork had stated and so since I could not come up with the back taxes they said they could put that amount on the back of my loan with a modification. The paperwork was sent out in someone else 's name however my property address and I was told I must sign the paperwork or they would sell my property but they could fix the name and the fees afterwards. Also I must agree to have the impounds for taxes included in my payment which was not an issue since I had set it up that way in the beginning. modification done. never was the modification paperwork fixed.
around XXXX I get a notice that my property taxes were not paid. I contact the bank and it is confirmed that they had not been and I start receiving new payment amounts to include those back taxes which of course I can not pay because I did not keep money for taxes I thought were being paid yet again. During the time figuring this out I was sent into foreclosure yet again and thee property was due for auction. By the way the same person was sending me out notices posted to my door, the same name as last time however all the notarized documents has different signatures to the same name. Fraud I would say. Finally after contacting a administrator in the company she was able to get things straightened out however only to stop the sale and again the back taxes were added to the back of my acct and the fees were supposed to be removed and my credit restored. The credit was fixed however 5 years ago I found out the fees were never taken off my acct. I found this out when the bank tried to breach the previous modification they had done on my acct and I had to write to your agency again for help which did solve the problem and everything was reversed yet the fees has to be ok 'd and taken off by another department which I was told would be done and guess what??? Right never done.
I am trying to pay off my house and I would like these fees which amount to around $ XXXX to be credited to my acct as you previously had arranged and XXXX XXXX from PHH agreed to and it has not been done.
This company is a predator and has tactics that are fraudulent to the consumer and unlawful they should really be shut down. I just want to be free of them. I am a XXXX woman who has worked her tail off to be free of these monsters and I just want these foreclosure and attorney fees credited back to my acct as promised several times and never done. I want to pay off my loan. Please help again! Also I have boxes of every letter every notice on this situation.
Thank you.
|
| 07/01/2021 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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|
*We have filed a complaint with the state of Missouri Division of Finance. They recommended we file a federal complaint as well. Attached is a detailed timeline of all interactions with PHH Mortgage since XX/XX/XXXX. Emails, letters and screenshots available if needed* XX/XX/XXXX completed initial RMA/Loss Mitigation Package for loan modification options. Application was repeatedly denied for missing documents that were not requested of us, boxes not being checked that did not exist on the application, missing signatures from pages that had no signature line or indication they needed to be signed and illegible submissions even when documents were all typed and we sent them via fax, email and certified mail. We spoke with PHH Mortgage reps, relationship managers and supervisors almost weekly and each time we were told something different than the last. Their review process was never explained completely or consistently as each time we spoke to a PHH rep we were told something different than the last.
We made our payments in our normal amount of XXXX each month during this process. We were lead to believe that when the application was reviewed we would be presented with options and able to proceed from there. Instead at the end of XX/XX/XXXX we tried to make a payment but werent able to do it online, within the PDF invoice or over the phone. A rep informed us we were on a repayment plan that no one had discussed with us and was unaffordable at {$4700.00} for 6 months beginning in XXXX. We asked for options and were told that all we can do is reject the repayment and they might consider us for something else. In XX/XX/XXXX we reached out to a HUD advisor listed on the PHH Mortgage letters. We spoke with the agency XXXX who told us we qualify for a stand alone partial claim and this can be accomplished in a single phone call. The XXXX rep joined the call and PHH told us they would not do that and we dont qualify for Covid relief so we have to get a traditional modification. We were told to reject the repayment plan in writing in order to get another option. We had XXXX phone calls with PHH in XX/XX/XXXX and each time given different information, notes and dates they provided previously mysteriously changed or disappeared. On XX/XX/XXXX a PHH rep told us there is no record of any repayment plan ever being offered or set up on our account and that there were no notes or records of letters sent about it even though we have the letter they sent dated XX/XX/XXXX when they placed us on the repayment plan without consent.
We are now being told to complete a more in-depth modification application to be considered for a partial claim. We have been told we must complete an affidavit for arms length transaction and if we dont qualify for the partial claim they will do a short sale. We do not trust PHH Mortgage, we are trying to keep our house. They will not let us make a payment and will not offer transparency in this process. Since filing a complaint with the state, we have been told they need more documents from us which we have provided. We have received several door notices from OCWEN with their phone number and nothing else. No one at PHH has been able to tell us why this happens.
|
| 01/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
I have lived in the XXXX XXXX area since XXXX, and want to spend my retirement years in my home. I have seen good times and bad due to the economy and had been struggling in recent years.
Unfortunately, I may be forced out of my home by my mortgage holder, I am writing to this office to request immediate assistance with my delinquent home loan. For the last several years, I have been battling to be properly reviewed for a loan modification. Despite hours of research, phone calls, and frustration I am closer than ever to losing my home. I hope that writing to this office will change the tone of our discussions. To ensure that I am treated fairly, I will also be writing to the government and the media.
As I have discussed with OCWEN representatives in the past, the last few years have been difficult for me financially. My husband passed away in XXXX from a XXXX He was the main source of income, he was self-employed for 30 years XXXX.
This was the start of my emotional, physical and financial hardship ; my body took a toll from the personal crisis and I fell XXXX. I shared my story with your representatives many times. I called to request assistance with my payment. I was disappointed when I could n't get past the gate-keepers. I was declined over the phone without any detailed review of my finances. Shortly after, your company began filing legal documents to accelerate the foreclosure process. After thoroughly reviewing my loan 's history, it appears that there are some serious questions regarding your company 's legal footing to foreclose on my property.
In XXXX I evidently I qualified for a trial loan modification payment. The offer was ridiculous, rate dropped from 6.75 % to 6.00 %. It was only a {$30.00} savings a month. OCWEN was and continues to be hard to work with. Their insurance department, without notice added flood insurance to my payment at a cost of more than {$200.00} per month. This was outrageous as my home is not in a designated flood area, but the bank insisted on this.
I was laid off XXXX, and am now collecting unemployment.
Prior to I earned a substantial fixed income and I was back on my feet. I am diligently seeking employment. I am doing everything in my power to keep my home, the home I lived since XXXX. The last hurdle in rebuilding my life is to get this loan under control and I can not do so by myself. It 's time that OCWEN come to the table in good faith and find an arrangement that accounts for my hardship as well as my present financial Circumstances.
As discuss above, I have real questions about the paper trail that your company is relying upon to pursue foreclosure and I will fight this foreclosure legally if necessary. However, I would rather come to a common solution that puts this foreclosure to rest and allows me to XXXX repay this loan in a reasonable way.
I am comfortable here and, based on government guidelines and my current income, my loan qualifies for help. I am hoping that you could contact them on my behalf and see if they will open a discussion regarding retention of my home. I want OCWEN to stop the foreclosure process and review my loan for retention options and would be forever grateful for any help you could provide.
|
| 04/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I accepted a loan modification in XXXX XXXX with Ocwen, went to mediation hearing in late XXXX XXXX . Was told that all I had to do was pay my first four payments on time, which I did! In XXXX of XXXX Ocwen would no longer accept anymore payments from me? They claim that a package was delivered on my porch in XXXX XXXX that needed to be signed & returned, to lock me in on the new mortgage? I did n't receive, or do I know whatever happened to the package? But do n't understand why they did n't try to contact me sooner? After disputing this for a short time, I contacted my Governors office. They contacted the XXXX 's office of MD. I have been working with the Supervisor of the Consumer affairs Dept. since. I must say I have been " Shocked " by the lack of powers this office has! Since they are supposed to be the financial regulators for the State of MD. They did get Ocwen to offer the same loan modification, but did n't realize that the date to make it current was almost a month past due? I re applied for another loan modification with Ocwen, paid the first month payment that was due in XXXX XXXX on time as usual. Only to find out that the payment was put in a suspense account? Ocwen said that part of the agreement was missing, I thought the XXXX agreement they were referring to was optional? I signed that part and mailed it back to Ocwen. Paid XXXX payment, again on time even though I had to pay extra charges so it would be on time! And again it was but in a suspense account? In Late XXXX I received a letter from an Obudsman from Ocewn, t hat there was numbers not adding up & that my loan was being sent to under writing for re calculation? That my loan modification was on HOLD? There is a reason for all caps! I did not hear again from Ocwen until mid XXXX XXXX that is when I received the same loan modification, that I received in XXXX Of XXXX ? I called Ocwen to ask why, and was directed to sign it with the current date XXXX / XXXX / XXXX and return, which I did via priority mail. Next thing I know my mailbox is full of mail from Ocwen, all on the same day! This is where it gets real interesting! All in the same bundle of mail, I received a letter of intent to foreclose, letter of mediation, tax documents and a letter excepting the loan modification I signed in XXXX ? I contacted both the XXXX & the contact at Ocwen immediately, thinking there must be some mistake? Even the rep. from the XXXX was confused! It took two weeks for a response from her. I honestly think she forgot! Because she finally responded when I emailed her? I must say again I was shocked! She claims that I should have continued paying my payments, and that I was currently four months behind? Either make the payment for four p ayments, or they will proceed with foreclosure! Even though the XXXX in MD. Is supposed to be our financial regulators, they have no powers of this " loan modification scam " They have been mis lead, lied to and in my opinion, the mortgage companies laugh in their face! OCWEN has n't changed any of their ways! The only deal they made with the State of MD. Is do n't let anyone sue us or defend anyone from your State!!!
|
| 08/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Ocwen Loan Servicing , LLC first mishap with my account started with my XX/XX/XXXX payment which was increased from {$5600.00} to {$7400.00}. This was an astronomical increase of {$1700.00} without any notification to me. I made my regular monthly payment of {$5600.00} since I was unaware of the increase. My payment was returned by Ocwen Loan Servicing , LLC . I contacted Ocwen Loan Servicing , LLC to find out why and at this time learned this was due to a shortfall in my escrow account. As a result of Ocwen Loan Servicing , LLC failure to provide me with timely notification of this escrow shortfall which resulted in an increase, my XX/XX/XXXX payment was late.
I was working on getting my account back to timely payments when Ocwen Loan Servicing , LLC returned my XX/XX/XXXX payment on XX/XX/XXXX. I contacted Ocwen Loan Servicing , LLC to understand why and was told the account was 90 days past due. My account was 90 days past due because Ocwen Loan Servicing , LLC had failed to post my XX/XX/XXXX payment which was paid on XX/XX/XXXX. I was told by the Ocwen Loan Servicing , LLC representative XXXX that my XX/XX/XXXX payment which was not posted to my account was returned due to insufficient funds. I explained to XXXX that the funds left my account through auto debit and enough funds was in the account as well as an over-draft protection to cover any short-fall. Ocwen Loan Servicing , LLC also had not returned the XX/XX/XXXX payment to me only the XX/XX/XXXX. I was placed on hold for several minutes and then told by XXXX that my XX/XX/XXXX payment was never posted to my account by Ocwen Loan Servicing , LLC . They would correct their error and needed a few days to update the account. I told XXXX I was about to make the last payment needed to bring my account up-to-date that night and was asked to hold the funds for the next few days until the misplaced XX/XX/XXXX payment was posted to the account. Ocwen Loan Servicing , LLC returned my XX/XX/XXXX payment a few days later and failed to post my last 2 payments ( XX/XX/XXXX & XX/XX/XXXX ). Had these payments been posted on time by Ocwen LoanServicing, LLC, my account would have been only 30 days behind. As a result of Ocwen 's failure to post my XXXX & XX/XX/XXXX payments on time, my account became 90 days behind and Ocwen Loan Servicing , LLC declared my account in default.
I have applied for a mortgage modification with Ocwen Loan Servicing , LLC that started on XX/XX/XXXX and I have spent several months updating my documentation for Ocwen Loan Servicing , LLC and weekly calls to find out the status of my modification. After a year and a half, XX/XX/XXXX of updating documentations and weekly phone calls, Ocwen Loan Servicing , LLC denied my application for a mortgage modification. I was told the reason for the denial was because " my Investors do not allow modification ''. I was denied a mortgage modification not based on my qualifications, the ones outlined in the Mortgage Modification Program but based on my Investors decision not to participate in the Mortgage Modification Program. As a result of the mismanagement of this account by Ocwen Loan Servicing , LLC, I have been suffering economic and emotional hardship.
|
| 03/05/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Condensed description : My wife XXXX and I married in XX/XX/XXXX. XXXX already had XXXX child, whose father was deceased. XXXX had her own XXXX and was doing well. She was making about {$XXXX} annually while I had a salary of about {$XXXX} a year.
We soon bought a house ( XXXX ), Not long after that, XXXX 's father died. Rather than leave XXXX 's mother living alone on a country road some distance from our house, XXXX and I, in XX/XX/XXXX, bought a two-family house ( XXXX ) just XXXX short blocks from our house. XXXX 's mother and we would be within walking distance of each other. XXXX 's mother would live in the downstairs unit of XXXX and we would rent out the upstairs unit.
XXXX and I spent some time and money improving the house. Then, unexpectedly and before XXXX 's mother could move in, XXXX 's mother died..
With XX/XX/XXXX came the financial crisis, dubbed " The Great Recession. '' XXXX 's XXXX dropped precipitously and we had trouble finding renters for XXXX. XXXX had to close her business. We then had only my salary as income and XXXX mortgages and XXXX children. I applied for a mortgage modification on XXXX, but was turned down. We could find no tenants for XXXX, so it was vacant. Squatters soon moved into each apartment.
I took the upstairs squatter to housing court to get her ordered out of the house, but the judge believed the lies that she and some tradesmen ( her friends ) told under oath. He ruled that she would be allowed to stay there until she had lived out, in rent, the approximately {$5900.00} that she claimed to have spent on repairs.
XXXX developed a XXXX medical problem.
XXXX put XXXX in my name only and then declared bankruptcy. That delayed foreclosure on XXXX for XXXX little while, but in XX/XX/XXXX, we received an eviction order at XXXX.
I decided to try to get the squatters out of XXXX, so that we, now with XXXX children, would have a place to live after the eviction from XXXX.
By my paying for a month 's worth of storage space for the XXXX squatter 's furniture and by my physically moving her furniture and other belongings, she agreed to leave the premises.
That night, the night before our eviction was to take place, I. with help from a few relatives, managed to move our most essential belongings into the lower apartment of XXXX. Much had to be left behind, including appliances and food supplies.
After our living in XXXX for a few weeks, I managed to get an eviction order for the upstairs squatter. Within two weeks she had moved out, doing only fixable damage in the process. That meant that our family 's space had doubled, so that each child could have a bedroom.
In XX/XX/XXXX, I applied for a mortgage modification from our mortgage holder, Ocwen. I hoped that Ocwen would rather receive a smaller monthly payment ( than the originally agreed-upon amount ) instead of none ( the amount they were receiving while the squatters were there. I was wrong. I was told that the company " does not do modifications. '' I live in fear of being evicted from this house and can not afford to make needed repairs ( to upstairs hot-water-heating, upstairs space-heating, and roof ) if I am going to have to move soon.
XXXX 's illness continues.
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| 09/30/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
In XXXX I refinanced my three properties with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Primary XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Mother-in-law home XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXFathers home The Mortgage officer informed me the only way they would do the loan is if they bundle the three properties under one mortgage and that the loan would have to be under my company name. Because my wife had XXXX and we were needing the funds we took a {$630000.00} across the three properties which at the time were worth {$1.00} XXXX It was supposed to be a temporary loan for 2-years and then they said I could refinance with a conventional mortgage afterward, but if I needed it for my family I would have to do this. In XXXX of that year, XXXX XXXX sent notice they were servicing the loan. The pandemic hit us like so many people and I reached out to request a forbearance or assistance from XXXX XXXX. They told me I needed to go BACK to XXXX who originated the loan. I spoke to the individual and they said they would put through the forbearance. in XXXX of XXXX, I received notice XXXX XXXX was beginning Foreclosure on the properties. When I contacted them, they stated XXXX did not place the forbearance at all and because the loan is against the three properties I wouldn't be eligible. Unluckily the pandemic slowed everything down as I franticly looked for a solution. I was eligible at the time for refinance but was told that I couldn't because 1, The properties couldn't be separated 2. The Lis Pendant needed to be released by the lender to do so. I attempted to sell one of the properties but I couldn't separate the properties After speaking to XXXX again to assist me, they refused and said the case was transferred to XXXX XXXX. When I called XXXX XXXX they stated they said they couldn't help me because they were just servicing the loan and I needed to speak to XXXX I was nervous to lose my property so I contacted Loan Lawyers in XXXX XXXX to help. They began the process of giving me time to find a solution, but the issue with the list pendant is an issue. I also noticed the mortgage did not appear on my credit report which causes other issues with home lenders. I was finally able to attempt to secure a loan to pay off and start fresh with a private lender, but the gentlemen died of XXXX recently and I was unable to continue the issue Loan Lawyers had a few hearings and now there is a hearing on XX/XX/XXXX for judgment After the hearing there was a summary judgement for the plaintiff, but they gave me 90-days to get a Refinance ; I was supposed to close this week ; but due to the hurricane and one of the properties being in a disaster area ( XXXX XXXX XXXX XXXX I received notice they are exercising the disaster procedure requiring another appraisal to assess the damage ; which I haven't been able to because all bridges to the area are destroyed.
The Law Office I now hired, sent notification at the beginning of XXXX to the Opposing Counsel and PHH, but they have yet to respond to our modification request.
Now they are forcing my hand for Bankruptcy and I'm simply devastated by this! On top of this on a XXXX loan I am now indebted to these people XXXX
|
| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American, Servicemember |
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My husband passed in XXXX ... he earned over 65 % of the household income in our home. He was also the sole borrower on the first lien mortgage on our home, that is currently in foreclosure since XXXX. When the foreclosure first started, OCWEN offered a stream-line modification ... which if we had ageed, would have required that the estate make a $ XXXX balloon payment in 15 years. what middle class person could ever agree to those terms? especially since the family had just lost 65 % of their annual household income less than 1 year prior. so we hired a lawyer, XXXX XXXX. He advised us that OCWEN would only agree to a loan mod at this point, if someone FIRST applied to assume the loan and THEN AFTER THAT POINT, apply for the loan mod. SO ... the bank was first willing to offer us a loan mod without even so much as an application filled out by the estate ... but now we have to assume the loan, and then hope you approve us for a loan mod? Is this some strange attempt to get a living person on the hook for the foreclosure judgment? So we continued to fight in court as hard as we could. Present day, I am living in the home with my daughter and her XXXX small children. We make about XXXXannually between the two of us, so we have to income now to start paying back the bank. I called the foreclosing attorney, XXXX XXXX and advised that we think we can afford to make the mortgage performing again, and they emailed me a loan mod application, no mention about any assumtion. I filled out the application and submitted it back to the foreclosing attorney along with supporting documentation. The mediation paralegal, XXXX XXXX, emailed us back confirming that their office got out documents, and that they also forwarded the documents to OCWEN for review. I emailed their office several times asking if they will be adjourning the XX/XX/XXXX court date in light of the pending review of our loan mod documents, and their office replied stating that OCWEN has not advised that a full loan mod package was in receipt, so they will not be consenting to an adjournment. I advised that THEIR OFFICE advised that they got my package and sent it to OCWEN. They still advised that they can not stay the court proceeding until their client advised the package was complete for review. SO ... ive spent the past 3 days calling OCWEN ( inclusive of today ) ... ive tried around XXXX, XXXX and today at XXXX eastern time ... on each call i was told that the specific single person that I needed to talk to was unable to be reached and no one else could help me. Even when i said " you are trying to foreclose on me and Ive been trying to figure out how to pay you and make the loan performing again, and no one will even talk to me '', they still wouldnt help. Im just trying to modify and pay my loan ... im not even disputing the amount due. It is my belief that they are in current violation of dual-tracking and I need some help. We can not lose this home ... my daughters son is XXXX and is finally getting used to the home and the school and is enrolled in services in the local school ... it is imperative to his well being that we save the home and not leave. Please help us ... we are getting no where on our own.
|
| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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In XXXX XXXX, I had applied for a repayment plan for my mortgage. In XXXX XXXX, I was approved for a repayment plan and according to Ocwen, I was to wait for the paperwork in the mail to sign and return for the approval. In XXXX XXXX, I never received any confirmation of loan modification and I went online to check any status and saw that I needed to make a mortgage payment of {$1000.00} with no down payment needed. I made my payment for the amount of {$1000.00} via online Ocwen website. In late XXXX, XXXX I received a call from Ocwen saying I failed to make my down payment and the payment plan is null and void. I explained to them several times that I was never told that it was approved via mail with any documents sent to me with the approval. I was following what Ocwen 's online website said I needed to do which was make a mortgage payment of {$1000.00}.
Now Since XXXX XXXX, I was told to fill out a new package for approval which I did. They kept denying y package saying it was not complete. I continued to fax or email to them the documents needed and they kept saying they could not find the documents. In XXXX XXXX, I finally got all the paperwork they needed and in XXXX XXXX they started the process to check for a modification. A little history on my mortgage, In XXXX XXXX XXXX, I paid them a total of my life savings of more than {$10000.00} to keep my home. Then they said that the mortgage payment plan was not sufficient and we had to start the process again. I have made several complaint to the CFPB in regards to the problems I have been having with Ocwen.
On XXXX XXXX, XXXX, I was checking Ocwen website for any update on the loan modification and saw that it said, " Congratulations, You have been approved for a permanent loan modification ''. Then underneath the bold green writing of the congratulations it said, " You have been approved for a permanent loan modification. Please check your mail for the new terms of your loan ''. This was posted on the website on my loan account for 3 days. Then on XXXX XXXX, XXXX, I went back onto the website to show my wife the status and it said something completely different. It said, " You loan modification is under review ''. It stayed in this status until XXXX XXXX, XXXX when it said, " We are sorry you do not qualify for a loan modification. Please call your relationship manager ''.
With this said, it was a devastating response to show my wife after I had gotten her excited and relieved to here we were approved. My stress and anxiety of now seeing a declination of a loan modification when we were told we were approved. This has been the games and the miscommunication that Ocwen has been doing to us. I am under a tremendous XXXX because of the situation Ocwen is doing to us. To see two different responses from them in unprofessional, detrimental to my families health and now I have to continue being unemployed, on XXXX because of XXXX and now the added XXXX that Ocwen is causing me. There website has shown to be inaccurate on several occasions and yet they deny that there website has been inaccurate. I have taken images of the website to show how they have given us inaccurate information. These images will be attached.
|
| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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As a result of PHH servicing errors, my account was transferred without all documents or in a way that caused me to fall into foreclosure.
I was in the process of applying for a modification or repayment plan with the servicer at the time, PHH Mortgage, I was approved but my trial payment was set to begin on XX/XX/XXXX. I could not accept the offer bc I was under a stay at home order and unable to go pick up my mail & find a notary, at that time the State of emergency was at its height. I also could not accept bc I lost my job in XXXX due to COVID 19. I appealed the decision and also applied for COVID forbearance. Making that my second request and notification to the lender that I was affected by COVID.
While in the middle of that process, I was given until XX/XX/XXXX to sending additional documents, my loan was transferred to XXXX XXXX.
I received a notice from XXXX, A Notice of Default & Intent to Accelerate. I immediately contacted XXXX XXXX. A XXXX representative & advised him that I was unable to pay as a result of COVID. I was told not to worry that I was in a COVID forbearance & there was a halt on foreclosures. Then I started to receive letters from an attorney representing the servicer, threatening me w foreclosure. I kept getting letters & when I would call I was told not to worry.
In XX/XX/XXXX I was offered a trial modification by XXXX, but I advised them that my place of employment was still closed, I was having difficulty with my unemployment benefits, as our State EDD office was overwhelmed and that based on my current financial situation I needed to stay on a forbearance.
I contacted XXXX XXXX in XX/XX/XXXX and was told that I needed to call back AFTER my forbearance ended to discuss a workout option. I was receiving letters still & I started panicking. I sent in a WRITTEN request for the status of my forbearance, and to explain a letter I received in XXXX saying that XXXX no longer serviced my mortgage and had only serviced until XX/XX/XXXX. I was told someone would contact and they did not. I called again on XX/XX/XXXX and was told that I was in foreclosure, there was no record pf COVID request for help and that it was likely bc the previous servicer did not complete the process. All this is so confusing and inconsistent with what I had been told before. I was told that my loan was transferring AGAIN in the middle of my assistance request and I was no longer eligible for any COVID relief because it was too late. Most upsetting is that the servicer, XXXX, PHH, XXXX XXXX and XXXX are all subsidiaries or have joint ownership at some point or in some way and that my COVID requests were ignored and blamed on the previous servicer. I am attaching a serious of letters that I believe highlight how negligently my loan has been handled & this has made it impossible to obtain assistance. Constant run around. PHH sent me letter XX/XX/XXXX that my loan was transferred to XXXX on XX/XX/XXXX. PHH also sent me a letter XX/XX/XXXX that my loan was transferred to NEW REZ on XXXX.Then a letter from an attorney on XXXX naming XXXX as the servicer. No wonder no one has my COVID request & my requests have been lost in service transfers & errors by the servicers.
|
| 04/25/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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My mother and father had a mortgage on their home in XXXX, XXXX My mother passed away on XXXX/XXXX/XXXX and my father died on XXXX/XXXX/XXXX. The mortgage servicing company holding the mortgage on the date of my father 's death is Ocwen Financial Corp. We contacted Ocwen when my father passed, and they agreed to stop charging interest and trying to collect payments because we informed them that we were listing the house for sale. Despite that agreement, Ocwen has charged approximately {$5000.00} in additional interest and fees. Apparently, when Ocwen was notified of my father 's death they began charging interest and fees under my mother 's name as they XXXX were listed on the mortgage. We have notified Ocwen of the fact that my mother is also deceased and we have provided them with my mother 's death certificate but they refuse to fix the problem. We have asked them to stop charging interest and fees in her name and to verify that the amount owed on the mortgage is the amount outstanding on the date of my father 's death, but they refuse. In fact, it is nearly impossible to get any assistance from Ocwen as the structure of their customer service department forces us to begin with a new representative each time we call. We have been assigned a number of different " relationship managers '' but these individuals do n't provide any real assistance. It seems as if Ocwen has deliberately created a maze to traverse in their customer service department hoping that people will simply give up out of frustration. To make matters worse, Ocwen is now delaying the sale of my parent 's house. The house is currently under contract, but we ca n't close because the transfer of the mortgage from company to company over the years apparently was not handled properly. All we need to be able to close is a copy of the release given to Ocwen by XXXX ( the company that sold my parents mortgage to Ocwen ) at the time the mortgage was transferred. However, amazingly Ocwen says they can not find that document. As a result, we have had to take legal action to remedy the situation ( Ocwen should reimburse us for these legal fees ). Currently, the house is still under contract but we ca n't close thanks to Ocwen. I am writing this complaint because we are at our wits end. We keep trying to work with Ocwen but they refuse to help. I believe that they are simply trying to delay any action until we are ready to close so that we will be put in a position where we have to choose either to pay what they demand or not close on the house. There is a definite time issue in this situation as we will be in a position to close in the next XXXX or three weeks and we need this issue resolved prior to the time that the title company requests a payoff amount from Ocwen. Dealing with the death of your parents is obviously a difficult situation as is trying to properly deal with the estate they leave behind. The pain of that situation has been exacerbated greatly by Ocwen 's actions. Their indifference and, in my opinion, intentional deception is nothing less than cruel. I hope that this complaint will lead to quick action to try to force Ocwen to remedy this situation. Thank you for your consideration.
|
| 03/11/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Older American |
|
Gentleman, This complaint is in continuation to : CFPB Case ID : XXXX Case Number : XXXX Wells Fargo has alleged to the CFPB that it is not the appropriate company at issue. Wells Fargo is lying to the CFPB.
The submitted Appellate Court Ruling alone is evident that Wells Faro is indeed the appropriate company at issue.
In addition to the submitted documentation to my original complaint filed with the CFPB on XX/XX/XXXX, I am attaching further documentation evidencing that Wells Fago is indeed the appropriate company at issue.
1. I have attached the most recent filing from Wells Fargo 's counsel XXXX XXXX XXXX dated XX/XX/XXXX, requesting a " Motion to Substitute Party Plaintiff ''.
XXXX XXXX XXXX is acting as Counsel for Wells Fargo, PHH Mortgage and XXXX XXXX XXXX XXXX.
I have also attached my opposition to this motion. There is a scheduled hearing set for XX/XX/XXXX.
Wells Fargo is claiming they assigned the Mortgage and Note to XXXX XXXX XXXX XXXX on XX/XX/XXXX.
This case has been in litigation since XX/XX/XXXX. As evidenced in the 5th Circuit Court of Appeals ruling I submitted on XX/XX/XXXX, the Appellate Court Reversed and Remanded the case finding Wells Fargo failed in submitting evidence proving it is the proper party to enforce the promissory note at issue on XX/XX/XXXX.
The Notice of Ownership Change dated XX/XX/XXXX verifies that the subject mortgage was transferred on XX/XX/XXXX.
The trial court granted Wells Fargo summary judgement on XX/XX/XXXX.
I was granted an appeal on XX/XX/XXXX.
The Appellate Court Reversed and Remanded the trial courts summary judgement in favor of Wells Fargo on XX/XX/XXXX.
Wells Fargo has failed in proving it holds ownership of the Mortgage and Note at issue, yet they are claiming they assigned the Mortgage and Note to XXXX XXXX.
Wells Fargo had no legal right to assign a Mortgage and Note to XXXX XXXX XXXX XXXX in which they do not own.
2. PHH mortgage has responded to the CFPB claiming they have no active litigation in this case.
As evidenced in the attached email from Wells Fargo 's counsel XXXX XXXX XXXX, PHH Mortgage was well aware the case was in litigation. They are flat out lying to the CFPB.
They also state in their response that they provided me with copies of pertinent loan documents validating the debt. As evidenced in the submitted Appellate Court Ruling, the falsified and fraudulent affidavits submitted by both PHH Mortgage and XXXX XXXX were invalidated.
PHH Mortgage also states in their XX/XX/XXXX response that on XX/XX/XXXX XXXX XXXX filed a Petition to Enforce Promissory Note with Recognition of Mortgage. It is quite obvious that Wells Fargo, XXXX and PHH are all involved in the predatory mortgage servicing practice.
XXXX. I have also attached the Original Assignment of Mortgage from XXXX Mortgage in the True and Correct amount of {$110000.00}.
The attached Corrective Assignment was fraudulently altered to {$210000.00}, and was fraudulently signed by a XXXX XXXX, acting as assistant secretary of XXXX, also an employee of XXXX Mortgage XXXX
Please review the attached assignments.
I Greatly appreciate your time and assistance!
Kindest Regards, XXXX XXXX
|
| 08/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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I would like to file a complaint on Phh Mortgage Company in XXXX XXXX NJ.
I went thru an issue of temp loss of employment got behind in my mortgage payment starting XX/XX/XXXX.
I did try to find a position but then car issues ect. Temp hardship I requested to pay loan but Phh mortgage wanted full amount. I filed for a loan modification package in XX/XX/XXXX awaited my 10 days .never received I started receiving letters from bankruptcy attorneys in my mail. I called mortgage company about my loan had been foreclosed on they said No. I asked about my modification package n they stated they were sorry computer error never sent it out. In the meantime instead I received foreclosure notice from attorney the next day and still no package for loan modification.
I received numerous letters to me. My ex husband who was never on the loan and separate letters to both my daughters. All letters which I now have to pay attorney fees for and were unneeded. I am the only person on the loan. My ex passed in XXXX.
I have had numerous issue w ohh mortgage continuous wrong information on my account. Wrong phone numbers given to me on important documents so when I called it said extension can not be located for my case manager. Just continues issues to prolong n add fees to my loan I have since been denied my modification as of XX/XX/XXXX and given 14 days to appeal and not receiving this document til XX/XX/XXXX and have til tomorrow vto appeal.
They denied me saying insufficient income and I do make enough they definitely calculated wrong I have the funds to pay my back loan plus late fees but they will not accept They want the extra {$2000.00} of attorney fees I have sent a letter to them requesting forgiveness due their delay in modification of loan and pointed out with dates their errors. Still no hope or help still continuous misguided information from Phh.
Which is abusive day after day if stress and anxiety due to their contact mistakes and hours and hours of being on hold. Asking for onshore help specific to XXXX XXXX NJ and getting XXXX Everytime .to date not once Have I spoken to my individual case worker always wrong number or not available I feel there is no hope working w them and they say a continuous sorry of their mistakes but do nothing to fix them There is so much more to add here and I am aware they were sued XXXX and had to pay many borrowers for exactly what they are doing to me Using deception and causing anguish for people who want to pay but they are declining the approval. Plus reading reviews I am not the only one once again having horrific experience w Phh mortgage company I have a reinstatement due by XX/XX/XXXX to prevent foreclosure on my home the one I grew up in and they are refusing my payment. Loan is due {$11000.00} w late fees which I have to pay But they are refusing it in the reinstatement and w not allow me to add the attorney fee to end of loan or as a short term payment plan They just want it all by XX/XX/XXXX Of {$13000.00}. 50 Please help me save and protect my rights on this loan for me and my memories of the home I grew up in In need of any information please contact me Thank you XXXX XXXX New Jersey PHh Loan w XXXX XXXX
|
| 08/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
|
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XX/XX/XXXX our mortgage was sold off to the servicer Ocwen, the investor is now XXXX and the trustee is XXXX Bank. We spent a year with Ocwen and their consistent run around trying to close on a short sale. A pattern of deceit was starting to show it 's self with every month that passed. Needless to say, with much frustration, the short sale never happened and the buyer walked away. We were strung along with promises by Ocwen that became torture and stressful for our family. But that is not what I am writing about today. We want to do the right thing and we have made the changes and sacrifices we needed to stabilize our situation. As of now, XX/XX/XXXX, we were recently approved for a non-traditional modification. This is a non-traditional modification vs. government approved modification, because our lender does not allow modifications and I am unsure what they do offer as help to homeowners besides a payback with the same failed loan or a foreclosure. You can imagine how happy we were that this nightmare maybe behind us soon. My relation 's manager called my husband to tell us the good news and told him 3.25 % interest rate for the life of the loan. I spoke to her next, after doing some research on this interest rate statement she made and feeling somewhat suspicious, I asked her " Is it only for the first five years? '' She answered, " No, it is for the life of the loan ''. I asked, " Does it end in five years? ", she answered " No, it is for the life of the loan ''. I felt secure that I had asked the right questions and was satisfied that after I sent in my XXXX trial payments I would get, at the very least, loan terms that stated 3.25 % interest rate. Of course not, the term papers documented 6.625 % interest rate. After addressing my relation 's manager on this issue, she stated that they do n't know what the terms will be until the paper work is sent out and apologized for any miscommunication. Could she have told me that before I sent in the trial payments? Yes, she could have. I do n't believe I am her XXXX client to receive a modification. Would I have questioned this agreement if I did not have the information I had asked her? Yes, I would have. I entered into an agreement with the understanding that I would have a fixed 3.25 % interest rate for the life of my loan. Once again, I feel duped by false or vague information by Ocwen. At this moment I am at a crossroad. Do I reject this modification offer and possibly loose my house or do I pursue litigation and possibly renegotiate a deal or be denied anything to still loose my house? The banks hold all the cards and can do whatever they want. All we are looking for and as many homeowners are trying to achieve is help in making things right with the garbage loans that set up home owners to fail. With the banks gambling on our XXXX in XXXX chance of failure. I believe they flat out lied to me. Setting up a bait and hook situation. That is why I write to you today. I am truly tired of the cat and mouse game that Ocwen has been playing with me for 2 years. I want to work this out with Ocwen with a legitimate loan, a fixed interest rate that offers reasonable terms that will not set us up to fail.
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Hi- I am having issues with my mortgage provider PHH Mortgage paying my real estate taxes to the XXXX XXXX XXXX, which should be covered by my escrow account. As a result I continue to receive late payment notifications ( including a warrant notice ) and accruing late fees and penalties. I have tried to seek clarification from PHH mortgage around these tax payments but have not received a meaningful response, and so have resorted to paying these fees and penalties to avoid action from the City against me.
I believe the problem stems from the fact that I receive two separate invoices for my parking space and actual apartment, which are covered by the same mortgage. I have consistently called out to PHH that there are separate invoices but they have not been paying both. I reached out to the PHH team to get clarification as to whether I should be paying the parking space taxes but so far have not received a resolution.
Here is the timeline of the issue : - XX/XX/XXXX : I received the tax invoice from the City of XXXX for XXXX XXXX and sent this to PHH Mortgage.
- XX/XX/XXXX : I received and shared a demand notice from the City of XXXX for the XXXX XXXX real estate taxes which I once again shared with PHH Mortgage.
- XX/XX/XXXX : I received and shared another demand notice from the XXXX of XXXX which included accrued late fees and interest. Total due was {$520.00}. To this point I have also been calling PHH directly but have not heard anything back yet.
- XX/XX/XXXX : I received and shared a warrant notice from the City of XXXX summing to {$540.00}. I once again called PHH to try and seek clarification if this is something that I should be paying ( vs. coming from the escrow ) and they indicated they would look into it and get back to me before the due date of XX/XX/XXXX.
- XX/XX/XXXX : Despite having an escalation team assigned to this I did not hear back from PHH Mortgage prior to the payment deadline so I paid the full amount myself to the City of XXXX, including late fees and interest, to avoid any further escalation.
- XX/XX/XXXX : I received an email from PHH indicating that they would get back to me within 24-48 hours with a resolution ( I have yet to have received any resolution ). The same day I resent the invoices as well as proof of payment that I made the tax payments to the City of XXXX as I am hoping to reimbursed. I was also looking for confirmation that PHH would cover the late fees and interest due to the non-payments.
- Today : I have yet to receive resolution or clarification from PHH mortgage. Each time that I call the escalation team they tell me the same thing " that legal is looking into it and that I should expect to hear back within 5-7 working days ''. This has been going on for almost a year now and I just want clarification as to whether I need to be making these payments to the City of XXXX or whether it should be coming from the escrow payments I make each month.
I'm obviously incredibly frustrated with the lack of customer service and it feels like there's no path for me to get resolution dealing with PHH Mortgage directly, which is why I'm trying to escalate this. Thanks in advance for you consideration here.
|
| 05/21/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX Dear XXXX Representative This letter is concerning the dispute # XXXX filed against Ocwen Loan Servicing for the reported delinquent XXXX and XXXX 2014 payment. The required payment amount was {$570.00}.
Prior to XXXX 2014 my home at XXXX XXXX XXXX XXXX Pa XXXX was in default and I was facing foreclosure from Ocwen Loan Servicing. I applied and was approved for a HEMAP loan ( Homeowners Emergency Mortgage Assistance Loan ) through the XXXX. On XXXX XXXX, 2014, I signed the settlement papers and a check was sent to Ocwen in the payoff amount of {$26000.00}. Ocwen received and deposited the check on XXXX XXXX, 2014 ( please see depository check image ), however Ocwen did not apply the money to my account. I was still receiving phone calls, messages and letters from Ocwen pressuring me to make a payment or face foreclosure. Ocwen 's website account also reflected the money was not applied to my account. I called them numerous times concerned about the whereabouts of the {$26000.00} check, eventually I was told a research team would be appointed to locate the HEMAP payoff. The money was not applied to my account until XXXX XXXX, 2014. During this time Ocwen charged me fees, penalties, legal fees, housing evaluations as if my home was in default. I disputed these fees and asked since they were at fault, I should not be held responsible for these fines and Ocwen deemed them valid. I sought the help of the XXXX Agency to advocate the rescinding of unjust penalties on my behalf. I was informed all penalties and fees from Ocwen ( XXXX to XXXX 2014 ) would be reversed and applied to my account.
According to the XXXX Credit Report, Ocwen is reporting a delinquency for XXXX 2014 and XXXX 2014 ( please see XXXX XXXX statements showing ACH payment to Ocwen XXXX 2014 {$1300.00} and XXXX 2014 {$620.00} ).
In the interim on XX/XX/2014, I obtained and paid in full for one year my own private homeowners insurance with XXXX XXXX. 3 emails and 2 faxes were sent to Ocwen requesting my insurance escrow account be audited. My insurance company representative also faxed a copy of the binder and called Ocwen on my behalf ( see fax transmission and call log document enclosed ). Ocwen never responded nor lowered my monthly payment which should have been reduced to {$470.00} XXXX, XXXX and XXXX of 2014. ( please see XXXX XXXX XXXX auditing analysis document enclosed ).
XXXX XXXX, 2014 Ocwen sold my mortgage loan to XXXX XXXX XXXX. Ocwen transferred my loan To XXXX XXXX with a reported XXXX delinquency. I have filed over XXXX disputes with XXXX XXXX XXXX and submitted proof of all mortgage payments and substantiated the amounts through documented banking history. Ocwen refuses to acknowledge this proof of mortgage payments.
The purpose of this dispute : 1. Show proof of XXXX and XXXX 2014 mortgage payment through XXXX documents 2. Demand Ocwen to audit the insurance escrow account from XXXX, XXXX and XXXX 2014 adjusting my monthly mortgage payment to {$470.00} and refund the overages.
3. Adjust the payment history with XXXX XXXX XXXX to report my account current.
4. Adjust my credit score appropriately.
Thank You XXXX XXXX
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| 06/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Once again I have to come file a complaint on my mortgage servicer who can't get it through their heads to stop remoting into my laptop and phones, denying me my rights by blocking website I need to go through to make contact with others needed to report the fraud they committed on me, when they, along with XXXX XXXX XXXX and XXXX XXXX, colluded and participated in a Homeowner 's Insurance Kickback fraud scheme and staged my default, illegally foreclosed on my home where it was auctioned off and sold on XXXX XXXX 2019.
They are showing they do not fear the CFPB or place any bearing on this reactive complaint process that I reaching out to the CFPB through for help on my proactive situation but whom it turns out is not even there. They are making a mockery of the whole system and showing they will do whatever they feel like in an effort to no have their fraud exposed. The writing is on the wall that this system favors these mortgage companies and big banks since it allows them the freedom to do what they want and run a muck so long as they don't do it to often where the cfpb will take notice and have to get involved. But if you notice, we have a industry proven to run rampant with fraud and yet never once, has cfpb ever considered what would happen when the homeowner catches their mortgage company or mortgage servicer in the act of actually committing fraud and not after its already been done. The homeowner that does is in for quite a shock when they realize there is not a process in place, not an institution that will help out as they have to helplessly watch as fraud is committed in them and their home illegally foreclosed on and sold at auction as mine was on XXXX 2019. The most they can do is write these letters that only work for mistakes that the mortgage servicer has made, not for blatant in your face, no question about it, fraud that they committed on me and even show on my statements so clear that no one believes as I describe it unless i actually provide the statements as well to show. I can not do that if everytime i have to watch as these people or person that is a part of PHH or who they hired hacks into or remotes into my electronics and intercepts my communication or purposely blocks websites and phone numbers i need to use so that i have to figure out a way around.
They do a process called app stacking where they even come behind the scenes when my phone is off, turn it on from their side only, and send through a different version of statemts that they will use at a later date either when they speak with my lawyer or at court that will used to discredit what it is i say and leave me looking as if im lying. They remote in, change the time on my phone or laptop to a day/time in the past and the sender on their side chnges their day time to the same in the past as well and then they send throgh the statments, capture it on my end to show proof later it was received and maybe even acknoledged on my end by emailing something back when these statements are received, and then delete all evidence and get out without the homeowner ever knowing. They mess up when they forget to change the clock like it shows in attachment one i provided.
|
| 05/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is in response to the answer made by Ocwen Loan Services in complaint # XXXX.
I know the complaint above is closed. I am waiting until I received a new modification agreement offered by Ocwen be completed. I have attached the response from Ocwen, and I made marks where is easy to notice that the answer no made sense. First, they mention that they have records that they informed Mr. XXXX about the Modification Status and the delay, and else, the mention that they have in records that they informed Mr. XXXX about the XX/XX/XXXX and XX/XX/XXXX payments and Mr. XXXX agree to send those payments when the modification process is finished. They never send to CFPB those records, they sent other records as statements on XX/XX/XXXXand XX/XX/XXXX about the default account but no proof of that communication, because they never communicated that. In XX/XX/XXXX, they told Mr. XXXX < Do not send any payment, the modification hasnt been finishing and we can not accept partial payments> but they keep sending monthly statements showing the {$660000.00} in XX/XX/XXXX, and {$660000.00} in XX/XX/XXXX, on the payment portion, I attached those statements. What anybody can think when you received those statements? They informed me about those payment on XX/XX/XXXX by a phone call telling me the modification was completed, and, in that moment, they ask for XX/XX/XXXX and XX/XX/XXXX Payments. Another comment that never was mention was that Mr. XXXX never asks them to waive those payments, what he asks was to move those payments to the end of the loan, and the answer was that they can not do that.
Second. They already started the modification with 2-month in default. If the loan goes 90 days behind, I lost the forgiveness amount of {$380000.00}. How convenient was to have the loan 90 days behind after XX/XX/XXXX, date when all Americans should have their tax declaration done ; and Ocwen sent the 1099-C in XX/XX/XXXXfor the total amount of {$380000.00} but only giving me {$120000.00}. Where the difference of {$250000.00} goes? Attached is the 1099-C. Third. Why if they requested a lower payment for XX/XX/XXXX because a deposit of {$400.00} was made in the account and Mr. XXXX call at that moment a let them know that I never made that payment but they told to make the payment requested on the website {$1200.00}, screenshot attached, why when they found that they made a mistake and the {$400.00} wasnt belong to my account they dont allow me to pay the {$400.00} and asks me to make 3 months payments and not partial payments going to be accepted. I can not keep my house with their apologies and sorry for the inconvenience. Thats right there a violation of Dodd-Frank Act. Unfair, Deceptive and Abusive acts.
Now I have a loan modified under a similar payment as the first modification, a payment that I can afford but I lost a reduction of {$250000.00} of my debt because their delay and their mistakes, only {$150000.00} of forgiveness amount at the end of the loan modification in XX/XX/XXXX no after the 3er year of the modification like the first offer and increasing the Balloon amount for {$130000.00}. And to complete they sold or transfer my loan to another Servicer XXXX.
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| 10/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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This again is my forth case for APPEAL, each time that Ocwen responds my case is closed and will continure to open up cases until this mater is resolved. Ocwens responses are unacceptable I refuse to speak to a person in XXXX as a relationship manager that knows nothing about the USA and the mortgage. Each time Ocwen is skirting around the issues and pushes me off to someone else. The points below are still open and regarding the XXXX issue, Ocwen keeps loosing my documents and expects me to file a case of fraud. Look into this matter with your fraud department with the documents I provided to you XX/XX/XXXX. When I filed the case against the investor on complaint number XXXX XXXX XXXX XXXX XXXX said that I was not one of their accounts. So who owns the mortgage, EXACTLY XXXX does and is illegal in XXXX.
I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX I submitted a request for Appeal on my loan modification.offered on XX/XX/XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XX/XX/XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XX/XX/XXXX 2. Your " OFFER '' is clearly beyond my means.
3. There is NO WAY I can afford this payment.
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following.
7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XX/XX/XXXX, Servicer : XXXX XXXX XXXX , XXXX, XXXX XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ).
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION.
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do.
Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS.
As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE.
I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN XXXX FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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This XXXX I received renewal notice from XXXX XXXX wind only insurance ) and when I started to review the situation, I discovered that Ocwen XXXX mortgage lender ) had reinstated wind only coverage with XXXX sometime end of XXXX XXXX a policy that should had never be paid/reinstated or renewed. A policy who 's effective date was in XXXX XXXX for which in XXXX XXXX I had obtained HOM both Fire and Wind coverage with XXXX and had, had Ocwen pay for it out of our escrow. I received " Notice of Cancellation '' from XXXX for non payment and Ocwen inclusively removed XXXX disbursement from being calculated in our escrow.
So this XXXX I contacted XXXX and advised them there was an error on the part of Ocwen and that I never authorized or realized they had paid them for what was duplicate wind coverage and asked them to please reimburse us for what was clearly an error. I provided XXXX copy of our XXXX declaration page reflecting wind coverage and copy of their XXXX XXXX XXXX " Notice of Cancellation '' dated XXXX XXXX and inclusively that they should of never re-instated coverage backdating more than 90 days without my signature or authority. At the end XXXX refused to reimburse the total policy and only returned us {$400.00} of the {$6500.00} dollars, stating I had never officially cancelled until this XXXX XXXX. At this point I appealed to Ocwen ( lender ) XXXX ; I ask Ocwen to contact XXXX and obtain full reimbursement of our policy on what was their error in paying them in the first place after many phone calls they finally responded that XXXX had refused. In turn I appealed to Ocwen to reimburse us for duplicate wind coverage on what was their mistake, stating their records clearly reflected that we had full coverage, that in XXXX XXXX they remove XXXX from being a part of our escrow, that this was most definitely an error on their part, XXXX full insurance was paid out of escrow and they had all records reflecting that our home had full coverage. Again after many phone calls with up to XXXX different agents an Ocwen agent claimed they had asked management and they had denied reimbursement on their error. They admittedly agreed that it was n't clear what promoted someone at their end to contact XXXX and request a back dating but also refused to reimburse us any part of the {$6500.00} in duplicate wind coverage. The reason for our change of coverage was to save money, we were able to reduce our wind coverage portion with XXXX from {$6500.00} to {$3200.00} for the same period. Ocwen 's records clearly reflects that XXXX was full HOA coverage in was in place effective XXXX XXXX and their escrow records even reflect removing the XXXX escrow in XXXX, what I neglected in noticing is that sometime in XXXX XXXX they added the XXXX {$6500.00} payment back into escrow. In my defense I was struggling with Ocwen from XXXX XXXX through XXXX XXXX to recalculate our monthly payment because our monthly payment when Ocwen took over servicing our loan in XXXX XXXX had increased {$4200.00} to {$6200.00} due the inflated insurance coverage. Our previous XXXX XXXX XXXX had dropped us in XXXX and we were faced with lender placed fire insurance and XXXX wind insurance.
|
| 07/23/2016 |
Yes |
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- Settlement process and costs
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Web |
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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.
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
|
In XXXX of XXXX I submitted my application to the NJ ERMA program to payoff the past due amount on my mortgage. I had filed XXXX by in XXXX of XXXX and as a result of COVID 's impact on my income was unable to make the regular payments. The completion of the application with all required documents was received by the State of NJ ERMA program on XX/XX/XXXX and the Initial request for acceptance of funds was sent to PHHXXXX in XXXX of XXXX.
In XXXX of XXXX after several calls to the State, I was advised that the mortgage company had not yet responded to the request from the State as to acceptance of my participation in the program. ( Please Note : I was in an active bankruptcy at the time of my application ). The attorney representing PHHXXXX ( PHH ) further indicated there was no record of an " initial records : I records ) ever received from the State. Also, in XXXX the bankruptcy judge advised that the bankruptcy would be discharged if the funds were not received by XX/XX/XXXX.
I called both the state and the mortgage company today XX/XX/XXXX at XXXX and XXXX respectively. The state said an I-records request was sent to the mortgage lender for them to approve participation in this program. PHH Rep ID XXXX indicated it was just a notice and no action was required on their end.
I call the State back around XXXX on XX/XX/XXXX. The situation was explained to another representative who advised that they could have a XXXX contact me. I asked if he could see that my request for a return call from a XXXX in XX/XX/XXXX remains unanswered.
I understand that an active bankruptcy provides a level of complexity in processing these ERMA funds. However, it is unacceptable that this process to HELP homeowner 's save their homes, is so complicated and places additional stress on the whole process and the consumer.
There is an important part of the process that is not included when applicants are in an active bankruptcy and the mortgage company WILL accept the participant in the ERMA program and receive the funds.
It has taken me from the XXXX of XXXX- XX/XX/XXXX to understand and figure out the process for myself. Although it is considered, it was share with me that there are several other applicants with PHH that are experiencing similar situations. I don't know them personally and can't verify if they too are in an active bankruptcy.
My complaint is against PHH and the State as both have a right the explain the process in some level of detail and alert the consumer as to the status of their application, along with an understanding of the meaning of the status. There is no reason why this process is THAT complicated. PHH said nothing or even advised the State of the need for the " court consent acknowledging that the borrower ( me ) applied for the HAF assistance. The State provided no information on whether or not an active bankruptcy would impact the process, despite having received that information during the application process.
All contact was via phone and no letters advising of this missing part of the process was ever received from PHH or the State.
The phone number I called for PHH : XXXX The phone number I called for NJ ERMA : XXXX
|
| 08/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
|
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Due to the crash of 2008, inflicted by the collusion of XXXX XXXX and the Banks, my investment property and at the time I thought my families retirement account, and formerly my homestead, was served foreclosure papers. After being turned down for fake and coerced loan modifications with the bank, I hired a law firm to defend myself. The bank conceded that they did not have the note or mortgage but filed anyway. As we all know, it is referred to a " Lack of Standing ''. Since the banks stalled the case for XXXX years and hired multiple law firms who consistently withdrew as court dates neared { I am paying the law firm all this time } the case has finally made its way to the court room this year.
Recently, I was offered a Loan Modification, through the banks attorneys and the servicer.
I was told it is a XXXX time offer and non negotiable. The problem is and was, the offer was for a principle amount that is approximately {$100000.00} too high. Their valuation of the house is totally inflated and obviously would re create another underwater loan as soon as I signed it. I contacted the servicer, Ocwen, with the simple question of, " How did you come to this valuation without ever entering the house or yard? '' Do you know the condition and needed repairs, etc '' Do you know that it is a half lot with no pool and the XXXX floor is wood frame? I was never given an answer that made any sense at all. I stressed to Ocwen and my attorney that the terms were perfectly acceptable, interest, term of loan, etc, except that the valuation was totally out of line. The result is an impending court date instead.
To make matters worse, Ocwen sent me a bill saying I am already two months late on the loan modification before the deadline to accept and BEFORE I declined! Obviously they deliberately inflate the value and have no intentions of a loan modification or they would be open to discussion. It 's not a settlement, it called strong arming. Take my offer as I say or else! It is exactly what they did to me XXXX years ago.
An even bigger scam is the lender placed insurance! How is it a company as big as they are ca n't get better terms of insurance than XXXX times the going rate than a time buyer? Clearly, they can negotiate a discounted buy rate based on the number of policy 's they buy instead of XXXX XXXX times the retail rate. Here 's the real kicker, in Florida, only " XXXX XXXX '' offers the hazard policies, which is what the banks buy too!!
So they are buying the exact same policy from the exact same party as the home owner but charging XXXX times the rate to run up the bill for their investors who they ripped off.. The only reason they do n't do it for the taxes is the bill is transparent and they would be jailed!! This has to be stopped. I was XXXX old when this started and never missed a payment or bought more than I could afford in my entire life. If the bank would not have insisted that their appraiser due the appraisals and created the greatest Ponzi scheme in history, I and XXXX of others would not be in peril and writing to you today. We used to be the backbone of this country, now we are the viewed as the scourge of society. Please Help!!!!
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
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After the sale of our previous property ( XX/XX/XXXX ), I had issues obtaining a loan for a new vehicle due to the credit to debt ratio being high on my credit report. My wife and I logged into our XXXX accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing.
We moved forward with disputing these accounts that same day. Unfortunately, I received a notice that the dispute was closed and marked as rejected by PHH Mortgage on XXXX. My wife received an update on her dispute on XX/XX/XXXX that it was closed and marked as still open and in good standing on XX/XX/XXXX. Moving forward my wife continued to dispute the account multiple times and spoke with both PHH Mortgage and XXXX in order to resolve this matter. On XX/XX/XXXX my wife moved forward with submitting a complaint here with CFPB and the matter was resolved but only for her credit report and not mine though we share ownership of that loan. Ive added her statement below : I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX. On the XX/XX/XXXX I filed yet again another dispute but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided. By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on. I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us. Thank you,
|
| 06/29/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Ocw en Loan Servicing is playing games with my loan modification. their attorneys are threatening access to my propertey and as of Monday, XX/XX/XXXX , it appears that they accessed the property and did a walk through and peak into the facility. I would have thought homeless, but the secured ties on the property gate we nicely opened and nothing in the back, in this area, was touched. No door was opened and if was neatly put back in place .... unlike homeless events from the past. A hand print is on the window from someone peaking in. The storage room in the back ( which has not been completed due to Fema insurance declining the repair cost ) was opened by prying and was what appeared to be NOT entered ... ... .. and just looking, nothing was touched or missing. Tools were left out at the back home and nothing was missing. Nothing was taken from the property including a compressor in the back of the home that would have been excellent for a homeless person. The pack property appeared to have someone access a rental unit, but just a walk in and all tools were still in place. I called the police and reported the 'friendly '' break in. I filed a reported and told them it appeared to be the bank, or their legal counsel. this attorney group is in cahoots with another lean holders attorney on the property. I think they are trying to push to get it. I was told a letter was sent to the property but I have received nothing at my mailing address. So I understand the letter was returned. On XX/XX/XXXX , I sent a complete package to Ocwen and at no time did they call until they started the push for the property there after. I mentioned the package that was sent and received certified. they said they had a record of all documents but did n't get around to reviewing them until I brought it to their attention. At that time, which I believe was XX/XX/XXXX +/- w hen they started the terroristic threatening of coming on my property without permission ( after the date of inspection, mind you ), Ocwen start ed the process all over again. But after I complained about their attorney 's they stepped back and about 6 weeks ago I received a letter saying they had nothing to offer me but if I was interested in a loan modification they would look into it. They also said, 'all they needed to complete the loan for the UA was a le tter stating my hardship letter ''. their response was sorry to hear I had problems and someone would call me. I have had nothing from anyone except threatening from the attorney. WHAT ARE WE GOING TO DO AGAINST THESE PEOPLE WHEN YOU GET SHUT DOWN BY THE PRESIDENT? yOU ARE THE ONLY HOPE WE HAVE????? THIS WHOLE THING IS WRONG, WE HAVE NOT EVEN BEEN COMPENSATED FOR THE XXXX OR XXXX XXXX XXXX XXXX WE HAVE ALL SUFFERED FROM WHO STARTED MY DEAL WITH THIS AND THIS XXXX XXXX PASS THROUGH THING. PLEASE CONTINUE TO HELP US PEOPLE WHO ARE THE MAJORITY THAT PAY THE TAXES, WE HAVE BEEN HIT HARDEST, PAY THE MOST AND GET NOTHING UNLESS WE ARE A LARGE CORPORATION. yOUR HELP PLEASE CFPB!!!!! THANKS FOR YOUR HELP IN GETTING AT LEAST XXXX OF MY PROPERTIES DONE FOR ME. XXXX IS GOING ON 8 YEARS NOW, WITH OCWEN A T 4.
|
| 01/26/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
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Web |
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To Whom It May Concern, I feel I have the need to file this complaint because Ocwen Loan Servicing , LLC, hereinafter referred to as Ocwen, has refused to take the mandatory steps required under the Federal Truth In Lending Act, hereinafter referred to as TILA. After a few of years of going back and forth with my servicers regarding the ownership of my loan, I decided to do some research on my own. During my research, my servicer had switched from XXXX XXXX XXXX to Ocwen. After sending XXXX XXXX XXXX numerous letters, I had to send Ocwen the same letters I sent to XXXX XXXX XXXX. Ocwen never addressed the Qualified Written Request that I sent in its entirety. It eluded some requests and failed to provide other documentation requested. After more research on XXXX XXXX, 2015 I mailed to Ocwen a Notice of Rescission. The Notice of Rescission was mailed on XXXX XXXX, 2015 and received by Ocwen on XXXX XXXX, 2015. Ocwen failed to take the necessary steps mandated by TILA. Pursuant to TILA, Ocwen should have taken the steps to unwind the transaction and provide me with a reconveyance or file a declaratory action against me within twenty ( 20 ) days after receiving the Notice of Rescission. Ocwen chose not to take any of those mandatory steps. Because Ocwen has failed to comply with the mandatory provisions under TILA, they have waived any and all defenses to my Notice of XXXX. Once the twenty ( 20 ) day period has passed, the Notice of Rescission is no longer subject to attack. The facts are clear and undisputed. My loan was rescinded and extinguished by operation of law on XXXX XXXX, 2015. Under TILA and Regulation Z, hereinafter referred to as Reg. Z, delivering notification to the person or address to which I have been directed to send payments constitutes delivery to the creditor or assignee. The Office Staff Commentary clearly indicates that a notice to an agent can suffice as notice to the principal. Rescission rights are equally enforceable against original creditors and assignees. As noted by the Official Staff Commentary, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded on perfected ''. The security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response of the notice. Also, strict construction of Reg. Z would dictate that the voiding be considered absolute and not subject to judicial modification. I have filed this complaint because of Ocwen 's clear and blatant disregard for the law. Because the rescission is suppose to be self-enforcing and because the deed of trust and loan are canceled and void by operation of law the date the rescission is mailed, Ocwen has no legal right to attempt to enforce a foreclosure and demand payment. Pursuant to TILA, once the rescission has been mailed, I am no longer responsible for the debt or any finance charges. Non-compliance is a violation of the Act which gives rise to a claim for actual and statutory damages. By filing this complaint, I am hoping that the CFPB will review this Complaint and take the necessary actions towards Ocwen for their violation of Federal Law.
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| 02/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I applied for a modification due to XXXX XXXX. I was n't late but I was struggling to make payments now with XXXX additions. I called Ocwen and was told they are sorry they ca n't do anything for me because I have never been late since in 5 years. So, I became late in order to be approved. A partial reduction of balance was granted ( monthly payments remained the same and increased by a few cents ). I was placed on a payment plan, but due to incorrect online account balances, non updated & erroneous balance on Ocwen 's phone system, that paper statements and rep informing me wrong infor when I called to verify which payment do I pay, my payments were returned on several occasions. By the time the payments were sent back to my bank, it was 30 days or more. I explained countless time the money needs to be returned timely so I can use it to pay off the balance, but was always given bad run around info. I received a call from a relation manager that said I no longer have to pay the payment plan, and he has ended after paying them. So, I asked if I can get something in writing. He said he is updating the system and they do not send out anything because his word is in the system. Weeks later I received a call apologizing for the information that. Confused, I attempted to do a phone payment with him so I pulled over only to be told he can not get partial payment and that now this makes me late " But, XXXX XXXX you do have to pay it. '' In turn they reported me as being late and charge me late fees more than the {$10.00} reported on statements and Certified mails fees because they said they had to send someone out to do a property inspection to visit the place, which was not done especially because it is a double-door security keyed camera entry unit, yet they charge me over and over.
Secondly they send out XXXX statements a month whenever they feel like. Monthly statements should occur every month. Double statements were sent for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. And, each time charging late fees.
Now, I have XXXX mortgages with Ocwen. I became current and paid of account # XXXX ( 10.3750 % ) XXXX XXXX. The larger account XXXX ( 3.125 % ) had an Ocwen forced placed XXXX policy. I purchased my own and it took a great deal of work just to get them to update that and remove their forced placed. Whenever I call to ask for an updated balance for XXXX they are unable to provide the new numbers with an updated balance and tell me to call back. I do. Same thing. Next thing I know I 'm getting foreclosure notices and more fees. I 've depleted my savings out of fear of losing my place. The forced policy was an additional and additional {$100.00} a month.
Why are so many statements going on. On top of that on XXXX/XXXX/XXXX XXXX XXXX Agent # XXXX said that the balance is {$1100.00}. When I log in, they reported me to the credit bueaurs for {$3200.00}. They told me if I pay anything other than what is reported the payments will be returned the same way they were received and they can not put me on a payment plan unless I pay them off in full.
Ocwen takes advantage of people to the extreme.
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| 02/13/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I have just paid {$9200.00}, or three promptly made trial payments of {$3000.00} in hopes of finally securing a home loan modification, something I have been systemically denied since XX/XX/XXXX. Based on the fraudulent practices I have had since XX/XX/XXXX with your clients servicer, it 's best to put my concerns in writing, notify appropriate parties of such, versus having discussions by voice with Ocwen which are not documented.
To this date I have not received, but expect confirmation of the following : Written confirmation of all three payments made and received in a timely manner, The acknowledgement of the signed affidavit that I sent to you, which documents that I have been approved for a loan modification. I first sent this affidavit to Ocwen in XX/XX/XXXX, it 's now approaching XX/XX/XXXX!
The servicers voicemail does acknowledge the last two payments of {$3000.00} were made, but not the first. The voice mail also states that another payment of {$3000.00} is again due on XX/XX/XXXX!! This voice mail directly contradicts the amount I was offered and agreed to pay in writing included in a new modification on this property with payments due of {$2900.00} starting also XX/XX/XXXX!! So going forward, which amount will it be!?!?
The modification package also states " After all trial payments have been made, funds received toward payments prior to the permanent modification being processed ( how long does that " processing '' take and where is the acknowledgement of payments made after processing?? ) will be deposited ( when?? ) and applied ( when?? ) toward the amount due after the modification is executed. I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX.
Also confirmation prior to mailing of additional payments of removal of ALL late fees, based on language provided by Ocw3n in the modification documents : New Principle Balance " If you fulfill the terms of the trial period including, but not limited to, making any remaining trial payments, submitting all the required documents ( or should we say, " receiving '' the required documents?? ) and the conditions in such documents are satisfied (??? ), we will waive ALL late charges that have accrued and remain unpaid at the end of the trial period. The late charges on this property amount to {$250000.00}. I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX.
I mailed back to Ocwen, on XX/XX/XXXX a XXXX page HAMP Modification package, I have not seen or heard the results of that mailing and frankly, I am afraid to inquire of its whereabouts! As you will agree, I sent to you by email a copy of the signed affidavit, dated XX/XX/XXXX, after sending it to Ocwen by email and snail mail four times! I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX.
So in short, I am expecting to have all late payments removed now that the three trial payments have been made, and all documents have been submitted, however again I caution, " received '' is another matter. I would like acknowledgement of these actions prior to making additional payments due XX/XX/XXXX.
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| 02/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am filing this complaint due to the fact my home went to foreclosure sale illegally. In XX/XX/XXXX, PHH approved my loan for a modification whereas I was required to make 3 consecutive payments in the amount of {$6200.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which I adhered to.
In XXXX, I called PHH to make my trial payment and I was advised that my modification was declined due to failure to return the permanent modification documents within the deadline imposed of XX/XX/XXXX. I was advised that in XX/XX/XXXX PHH mailed the permanent modification however I never received them. After being notified of the denial, I submitted a letter to PHH on XX/XX/XXXX advising that we never received the permanent modification documents nor did anyone reach out from PHH via e-mail or phone to notify me of these documents. Furthermore, we notified them of a death in our family that may have contributed to never getting this documents. Please see attached letter. PHH acknowledged our letter on XX/XX/XXXX whereas they advised that we can have the modification denial reversed provided that we return the modification agreement along with paying the XXXX and XXXX trial payments totaling {$12000.00}. It also stated that if the denial reversal did not transpire in XXXX, that a total of {$18000.00} would be due in XXXX. Please note that the response letter that was generated by PHH on XX/XX/XXXX did not arrive until Wednesday XX/XX/XXXX. I immediately got the documents and had them notarized on XX/XX/XXXX. I faxed a copy of these documents to PHH to advise them that I am in agreement with the response letter dated XX/XX/XXXX. PHH nor the foreclosure attorney advise me that they scheduled a foreclosure sale date on my property for XX/XX/XXXX although the response letter dated XX/XX/XXXX advised that I had through XXXX to pay the {$18000.00}. The response letter did not provide any deadline dates with exception to that I would have to pay the {$18000.00} in the month of XXXX. I contacted PHH on XX/XX/XXXX to confirm the address they would like me to mail the documents and check to only be advised that my property went to foreclosure sale on XX/XX/XXXX. It is my belief the representative did not properly disclose specific information such as when the documents and funds were due nor did the letter advise of a foreclosure sale pending of XX/XX/XXXX. Prior to the response letter PHH provided dated XX/XX/XXXX, they provided copies of the modification documents they resent on XX/XX/XXXX. Please note these documents were the exact documents they stated was mailed on XX/XX/XXXX. The cover page was also dated XX/XX/XXXX although the documents were re-generated on XX/XX/XXXX. The deadline on the documents read XX/XX/XXXX although they were being resent to me on XX/XX/XXXX. It is absolutely clear based on all correspondences received from PHH surrounding this issue that this issue was not properly address whereas it should have provided specific dates as to when the permanent modifications and funds were due by. If they required the permanent documents and funds prior to XX/XX/XXXX, why wouldnt this information be stated in the response letter dated XX/XX/XXXX.
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| 06/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX 2017, my closing attorney used the automated phone system at Ocwen Mortgage to order a payoff quote on my loan. They requested the payoff good through XXXX XXXX 2017. The payoff was faxed to them with a good through date of X/XX/2017 and I was charged a {$10.00} fee for the quote. I assumed this was a fee for Ocwen having to fax the payoff to my attorney. My closing date was XXXX XXXX 2017 and I did not want them to send Ocwen payoff funds for a XXXX XXXX 2017 payoff as they would be sending too much money. I would then have to wait for Ocwen to refund the payoff over payment to me ( which was approx {$300.00} ). On XXXX XXXX 2017, I went online and requested the payoff good through XXXX XXXX 2017 and received the payoff with the correct good through date this time. Ocwen charged me another {$10.00} fee for the quote. I did not understand why this fee was charged as I did not have it faxed anywhere and there was no disclosure on their website advising me that a fee would be charged. On XXXX XXXX 2017, I called Ocwen and requested that they waive the {$20.00} in payoff fees and was told by their customer service rep that that was not something that he could do. He advised me to send a written request and someone would look into it for me. I tried to send Ocwen a written request through their website but after typing up the request, clicking on the " send '' button did n't do anything. I tried twice, once using XXXX XXXX and once using XXXX XXXX XXXX. I was finally able to send the request to them using XXXX XXXX on my mobile phone. I also filled out a Customer Service Survey and explained that I was very unhappy with the service I received. I received a phone call today, XXXX XXXX 2017, from Ocwen in response to the poor rating I gave them on the survey I submitted. The Ocwen rep asked me how he could help and I explained what I was trying to do and that I just wanted the {$20.00} payoff fees waived because the first payoff quote was not what was requested and the second payoff quote was not faxed and it was not disclosed to me that they would charge me a fee. He told me that he was very sorry but there was nothing he could do. They do not waive payoff fees and he could see that two quotes were issued so I owed the payoff fees as charged. After explained again why I was not satisfied with his answer, he said that there was no way that the first quote was issued with an incorrect date because it was impossible for their system to be wrong. I informed him that my closing attorney 's office stated that they have this problem with Ocwen on a consistent basis. They request a payoff good through 7 days after a closing date but they consistently receive a quote that 's approximately 30 days in the future. The Ocwen rep basically repeated what he had already said and informed me that he would bring the non-disclosure of fees up in his next team meeting. I realize the amount of money is not substantial, however, if they consistently charge fees without disclosing them or charge fees when a mistake is made and then charge another fee to make a correction, serious fee income is being generated using unfair practices.
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| 03/25/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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I have a mortgage with Ocwen, perfect credit history, zero late payments. About 1.5 years ago I received two threatening and harassing phone calls from Ocwen. They claimed my home loan was XXXX delinquent and demanded I pay it. I had no idea what they were talking about but was very concerned. When I called Ocwen to inquire about the phone calls, as usual no one spoke English, no one knew what I was talking about. They guaranteed me that my loan was in good standing and sent me a letter stating so. Months later I received a letter from Ocwen stating that they are now servicing an old line of credit which I had with XXXX and wanted to settle with me. Some history ; in 2007 when the real estate market imploded I suffered some credit issues but moved into a studio, rented out my luxury beach apartment and paid off every debt in ful., and managed to modify my loan. XXXX was the only creditor at the time, which refused to work with me on interest rates and or monthly payments. I was advised to not pay them any longer and pay off the loan when I sold the property, or settle with them at a later date. Fast forward, to the negotiations between Ocwen and myself, I made them a cash offer, everything I had in my savings at the time, and or I would pay the debt off in full when I sold the property in the XXXX. They claimed to consider my offer and would let me know. They did not consider my offer, nor did they let me know. Instead my own mortgage company, with whom I have perfect credit wrote the debt off without my approval, or without notifying me. I received a letter in the mail-no phone call or further negotiations, even though I had promised to pay it off in full. Later I received a XXXX, for which I have paid taxes, for which the debt has been fully re-conveyed but Ocwen is reporting me to all credit reporting agencies as an open delinquent account. Not only have they ruined my credit but I know very well they received bail out money from the US government, and they received MI on my debt with XXXX. So why would they ever want, or be inspired to " settle/negotiate '' with me the little tax payer? Ocwen is well known for being the worst offender in unfair lending practices, offshore files where no one knows what they 're doing or can speak English, they 're also the highest fined lending institution in the XXXX. They sold me out for XXXX, even though I had offered to pay it in full. I would like this fully researched and a complaint filed against them. This is a conflict of interest, why are they allowed to buy bad debts and XXXX their own mortgagees. Now the credit which I sacrificed for, moved out of my home to pay off all of my debt within two years, and refinanced my home -- -has been rendered un-creditworthy by my own lender which shows me XXXX current. Not only that but this blemish on my credit has impeded the sale/XXXX Exchange of my property in XXXX XXXX. Please help! This is the most unfair, unjust situation. How do we know that the loan they bought from XXXX was even applicable to being serviced by Ocwen. I 'd like that verified and my credit cleaned up, I want this debt off of my credit ASAP. Thank you for your consideration.
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| 05/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I did a Deed in Lieu with PHH Mortgage on XX/XX/2022 at XXXX over the phone but I keep getting billing statements and they are still adding fees so evidently PHH lied to me and didn't do the deed in lieu. I have tried to contact them but as soon as i enter my information my phone calls are disconnected and my emails are returned undelierable. I had tried to keep my house back in XXXX only to be lied to again over not having to have my ex the coborrower signature to do the modification. Phh let me do the trial modification for 3 months without his signature then when the trial period ended they wouldn't let me do the full modification without my ex 's signature. I proved to them that I could make the payments. In the 3 month trial period i made 3 payments in the total of {$910.00} which now seems to have just disappeared not showing that i made the 3 payments at all. To clarify about the coborrower my ex he has already filed bankruptcy and has been released from all financial responsibility from the mortgage and PHH won't take him off the mortgage loan. I did a deed in lieu and and returned the property back to them on XX/XX/2022 at XXXX. I now got my foreclosure papers so they claim a deed in lieu was never done. They claim I abandoned my property so now there is a key pad lock on my door. I didnt abandon it I came to west Virginia to help with my father who has XXXX, I made the mistake of trusting my ex to handle it like he said he would until I got back, I had every intention on coming back. When I found out that my the ex the coborrower had done it was too late and honestly I got overwhelmed. I started working with PHH Mortgage and tried to keep my home but got constantlylied to. All my furniture was still in the house but since they changed the lock Id say its all probably gone now.
Another thing with PHH Mortgage services that upset me on the final modification paperwork they sent me they now had a balloon payment of {$35000.00} after paying for 30 years and we only gave {$49000.00} when we bought the property. That would mean in 30 years I wouldve only paid around {$14000.00} towards the property which averaged out to about {$220.00} a year towards the property. I guess XXXX XXXX has the deed because they are the ones named on the foreclosure paperwork, but this is the first time Im hearing their name. Our mortgage has kept being sold, went from XXXX XXXX to XXXX mortgage to ocwen mortgage to PHH Mortgage. All of them but XXXX XXXXXXXX have had government actions against them and I definitely know why already experienced all of them and to me their predatory lending tactics. Im on social security XXXX because of my eyesight and I live on only {$850.00} a month so I cant afford an attorney I dont know if you can help me but even any suggestions I would be grateful for. I also contacted the XXXX on XX/XX/XXXX and they contacted PHH mortgage with my complaint and PHH Mortgage hasnt even acknowledged the XXXX message. I really wanted to keep my house but I know thats not going to happen. The property address is XXXX XXXX XXXX XXXX, sc XXXX XXXX & XXXX File # : XXXX XXXX Thank you for your time and understanding XXXX XXXX XXXX
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| 11/15/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Number : ( REDACTED ) Via : XXXX OBJECTION TO NOTICE OF ACCELERATION AND VALIDITY OF DEBT You are hereby informed of the following : 1. The subject notice is improper and your firm doesn't have authority to proceed. The matter is in the jurisdiction of the United States District Court, XXXX XXXX XXXX XXXX XXXX XXXX See Case Number : Civil Action No. XXXX. Jury Trial has been requested.
2. PHH offered a modification plan of the mortgage on or around XX/XX/XXXX and informed Peek of the same. PHH has arranged a call to discuss matters of a pending loss mitigation application on or around XX/XX/XXXX.
3. The Real Estate Settlement Practices Act-Regulation X- provides that no debt collection action shall occur during a loss mitigation application the same of which has been duly filed and acknowledged by PHH.
4. PHH is subject to regulatory oversight by the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 and the Consumer Protection Finance Bureau regularly enforces the ECOA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.
5. CFPB Rule cited as 12 CFR Part 1024c Docket No. CFPB-2021-0006 ] RIN 3170-AB07 Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act ( RESPA ), Regulation X. Those rules mandate actions and activities for processing loan modification, debt collection, and related activities. Essentially, the demand letter is improper, contrary to the CFBF rules effective at XX/XX/XXXX, and contrary to Acts of Congress and has to be withdrawn.
6. PHH is in receipt of multiple duly prepared and submitted Qualified Written Request, Notice of Error, and Request For Information matters since XX/XX/XXXX that is hasn't responded to and thus an action in foreclosure, such as demand for payment, is a violation of RESPA.
7. The associated fine for violation of the Fair Debt Collection Practices Act, RESPA, CFPB shall offset and reduce any obligations herein and such matters will be resolved inly in ligation in federal court.
8. The debt, if any, is subject to the Dodd-Frank Act of 2010 and Federal Housing Act by means of repayment agreements, loan modifications, short sale of property, partial claims. There is a partial claim that affects the validity of this debt.
Therefore, the demand letter is improper, illegal, the debt is materially misstated, and this matter is not subject to proceedings in State Courts. Please withdraw this action and notice.
/S/ REDACTED NAME Also, PHH falsely noted that they issued me a Loss Mitigation and Trial Payment but I never got it and they falsey said I cancelled it when I never did so or even knew it was issued.
PHH also hasn't replied to mulitple Qualified Writtedn Request, Notices of Error, and Request for Information sent by registred mail to them.
PHH is not complying with the new RESPA guidelines issued by CFPB as of XX/XX/XXXX
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| 09/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen XXXX XXXX, LLC, had been adjusting my mortgage interest rate, and cost so high that it was impossible to make the payment they requested. I paid XXXX XXXX XXXX, out of California, worked with XXXX XXXX, who said they could renegotiate a fixed rate mortgage with Ocwen. Ocwen had a " shell '' property in XXXX XXXX, Florida ( XXXX XXXX shows an abandoned house at the address - they use a call center in XXXX and no one ever resolves your issues or concerns, you get the eternal runaround ) See picture on XXXX : Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Get Directions Phone number ( XXXX ) XXXX Business XXXX Send to your Phone Photo of Ocwen Loan Servicing - XXXX XXXX XXXX, FL, United States. First dumpster we filled - ocwen mortgage said they charged me {$30000.00} for landscaping And property management.
Mr XXXX.
First dumpster we filled - ocwen by Mr XXXX.
Photo of Ocwen Loan Servicing - XXXX XXXX XXXX, FL, United States. Here 's just one pile of XXXX and XXXX XXXX that was found in my home while Ocwen Mortgage was managing the property Mr XXXX.
Here 's just one pile of XXXX and XXXX by Mr XXXX.
Photo of Ocwen Loan Servicing - XXXX XXXX XXXX, FL, United States. This is where the squatters were XXXX XXXX. Ocwen MORTGAGE said they checked on my house twice a month to make sure it was secure Photo of Ocwen Loan Servicing - XXXX XXXX XXXX, FL, United States. Ocwen Mortgage checked on my property twice a month to make sure the house was secure and they billed me {$30000.00} on the pay off Photo of Ocwen Loan Servicing - XXXX XXXX XXXX, FL, United States. Master bath after my friends cleaned it up - destroyed by squatters Photo of Ocwen Loan Servicing - XXXX XXXX XXXX, FL, United States. 2nd dumpster filled - work done by my friends in XX/XX/XXXX See all 12 photos.
The mortgage resolution company ( XXXX XXXX XXXX ) lied to me about getting a fixed rate morgtage, I started paying Ocwen believing XXXX XXXX XXXX when they told me they negotiated fixed rate mortgage. So again and within two months OCWEN was charging me in excess of {$4000.00} per month plus fees of {$2000.00} and again started charing me interest rates, fees and mortgage payments that where outrageously predatory, within 3 months they attempted to extract over {$10000.00} from me. I was not able to pay the unreasonable interest rate and fees attached to the mortgage and they foreclosed on my house. I lost over {$150000.00} in equity. I lost EVERYTHING, MY HOME, and EVERYTHING IN IT.
OCWEN LLC, will not attempt to resolve this, they are CROOKS. THEY USE A CALL CENTER OUT OF XXXX, THEIR USA ADDRESS IS AN ABANDONED HOUSE WITH XXXX XXXX, AND USERS, ITS A SHELL. SEE REVIEWS ON XXXX. THEY HAVE BEEN ROBBING PEOPLE FOR YEARS. THEY NEED TO BE SHUT DOWN AND PROSECUTED FOR PREDATORY AND ILLEGAL LENDING PRACTICES.
Now, two years after losing my home to them, they are coming after me for {$500000.00} for the house I lost them which they then sold. They sold it for around {$200000.00} and now are coming after me for 2.5 TIMES THE SALE PRICE. OCWEN is TRYING TO GET {$500000.00} from me, which JUST APPEARED ON MY CREDIT REPORT on XX/XX/XXXX.
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| 11/28/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We were approved for a loan modification with Ocwen Loan Servicing. We are signing the loan modification agreement under duress. We are not being represented by an attorney, but Ocwen is being represented by an outside law firm, XXXX XXXX. I called to ask the status of our loan modification on Thursday, XXXX. Our relationship manager is a part of Ocwen 's litigation department. He informed me that our loan had been approved for a permanent modification on XXXX, but the numbers had not been released. Ocwen mailed out the loan modification and the documents were delivered to our home address on XXXX.
I called the relationship manager on Monday, XXXX and he was unaware the documents had been mailed out. I sent an email on XXXX and XXXX asking questions about the escrow shortage, incentive amount, interest bearing principal balance, amortization schedule and balloon payment amount. I called the relationship manager on XXXX to see if he had any answers to our questions. He informed me that there was a conference call where my questions were addressed but he was not going to answer any of my questions or concerns over the phone and I would have to wait to get Ocwen 's response from their attorney.
These signed documents are due back on XXXX and as of XXXX XXXX cst, we have not received a response from Ocwen or their attorney to address any of our questions or concerns. We are emailing the documents to our relationship manager, although our concerns have not been addressed because the documents are due back on XXXX and we were not granted an extenstion. Ocwen still claims that Option One Mortgage Loan Trust XXXX is the holder of our note, when the trust is reporting the principal balance which does not match any amounts provided in our loan modification.
Our relationship manager is not knowledgeable of our loan and is either unwilling or unable to answer any questions or concerns we have regarding our loan or loan modification. Any questions or concerns we have about our loan or loan modification are always responded by their outside legal counsel, XXXX XXXX and XXXX XXXX is not in the servicing business to be able to address any questions or concerns we have regarding our loan or loan modification. XXXX XXXX responded to a complaint we filed regarding the borrower incentive amount we would eligible for, but the documents we received on XXXX had an incorrect amount of {$5000.00} vs the {$10000.00} that was provided in the response from XXXX XXXX. The documents claim to provide a payment schedule in Section XXXX in the Modification Agreement showing our payment plan for the life for our modification loan after the trial period. I do not see where this payment schedule was provided in Section XXXX of the Modification Agreement.
I am not sure how Ocwen can be our loan servicer and can not and does not respond to any questions or concerns regarding our account.
I informed XXXX XXXX, my assigned relationship manager, on XXXX that I would be filing a complaint with the CFPB based on his refusal to respond to any questions or concerns I had regarding the modification agreement and he said he had no problems with me filing the complaint.
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| 04/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I was told by NACA Housing Counselling Agency to file this complaint a gainst Ocwen Loan Servicing , LP for denial of loan modification ( RMA ) package sent XXXX XXXX , XXXX . The initial loan modification was prepared by Ocwen in XXXX of XXXX with additio nal RMA p ackages sent again in XXXX and XXXX of XXXX . Ocwen has refused to modify my loan that is predatory with a interest rate of nearly ( 12 ) % . I do not know if the balance is principal or interest. Last XXXX of XXXX NACA sent Ocwen a loan modification for an affordable monthly payment between {$500.00} to 600. They kept asking me for the same paperwork over and over again. Come to find out after a month or so they were talking about another co-borrower on the loan who was never involved in the loan other then the origination of loan. The loan modification was sent over several more times but was told by Ocwen that my stepfather had to sign loan modification papers in order to get the loan modification. I informed them he had been estranged nearly ( 20 ) years. Ocwen never did anything to resolve the problem and requested I get a Quick Claim Deed re moving from the loan and off of the title. While I was in the throws of the loan modification , Ocwen attorneys XXXX XXXX XXXX continued to schedule auction sales in XXXX , XXXX and XXXX of XXXX on my property which shouldnt have been allowed. Because of Ocwens negligence in not complying with the National Settlement lawsuit. A law firm did a search and found out were he lived and contacted him about the loan modification. He is elderly XXXX years old and on a fixed income and can not afford any monthly payments on a small retirement income. I went to all the trouble to get t he Quick Claim Deed a nd to locate my stepfather for him to sign the paperwork removing him from the loan and title. NACA sent another loan modification application to Ocwen with the " Quick Claim Deed '' Ocwen comes back and says they can do the loan modification rambling something about they ca n't reduce my principal which is exactly what the " National Settlement Lawsuits '' court and judge requires them to do.
These people meaning Ocwen are evil and should be put out of business. They have harassed me ever since they took over my loan beginning in ( XXXX ). Ocwen has criminally trespassed on to my property breaking locks, doors, windows and putting " Lock Boxes '' on my doors. They have also cause me to loose my homeowners insurance by calling my own insurance company telling them to cancel my insurance policy and then turn around and put " Force Placed Insurance '' on my property for ( 3 ) times the amount when I was only paying { $800.00} with my prior insurance company before they called them. I do n't know how Ocwen is able to get away with all of this criminal activity. Any of person did these unlawful acts would be put in jail or made to pay a fine.
The D. C. DEPARTMENT OF INSURANCE Joins State Regulators by Issuing a Cease-and-Desist Order to Ocwen Loan Servicing, LLC for an array of unlawful actions. XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Once again Phh mortgage/Ocwen/Homeq breaking the laws to hide their stealing. They charged me so many late fees for years but yet our credit report shows no late payments. WELL GUESS WHAT? Not only did we pay on time like we always do but we have perfect credit. MMMM something was wrong though and I could not figure out how they expected to get away with charging late payments and it not be reported. I figured it out after digging into their criminal cover-ups and wow this blew my mind. They use a fake account number to report to the credit bureau so it won't match. Wan na see? Let me enlighten you! I will attach the credit report for XXXX showing no late payments and I was charged over XXXX in late payment fees on my account. Never once late and they had to hide it somehow. Very smart but very criminal move they made. This is a felony and identity theft. They made up a fake number for our mortgage account and I will highlight it so you can see it. Oh, I am sure they will reply it was an honest mistake and some poor employee that worked there years ago will be blamed. The pockets that all the monetary gain goes into always find a way not to be accountable. Attached is the credit report from XXXX clearly showing a fake account number. I want charges pressed on them for identity theft. I want all the late payment charges refunded. Some of them are XXXX charges. I can highlight them for you. Attached is also proof they stole from my escrow claiming they paid XXXX on XX/XX/XXXX to XXXX school taxes. We paid the taxes until XXXX so how can they claim this on our escrow? I attached the school tax office payments, and XXXX will be happy to speak with you about their lies. Look where they messed up when copying and pasting numbers and left XXXX transactions in XXXX and then started with XXXX again. Freaking unreal. Look at where they charged XXXX for hazard insurance on XX/XX/XXXX when we had insurance. I will attach our receipts for taxes paid, insurance paid, and our credit bureau. How can you explain all this away? Just stop and show you defeated in this battle of the wills. Goodwill always prevails over bad. It's the way God made the world. Everything stolen from us is coming to the light and you being exposed for what you are. Look at XX/XX/XXXX where they charge us XXXX for a long-form. What the heck is this? Look where they charged us for locks and inspections. Look at the XXXX late fee and the XXXX late fees and the XXXX late fees. Look at all the money in suspense so they could charge us late fees. I want every XXXX from the suspense account applied asap to our mortgage. I want every fake fee returned. Look at all the corp advance fees and insurance company names on the right side. Look at where they are putting investor XXXX and pool on our report to scare us. They have now sent us demand for full payment or they will foreclose. We are prepaid XXXX and they wont apply it to our mortgage. Here is our statement. Look at where they are threatening us. Attached you will see we have prepaid XXXX and they said we are late. I am sick of it. Now we are afraid they will foreclose if we don't send them XXXX. XXXX NO. they owe us!
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| 10/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My original lender was XXXX XXXX and on or about XX/XX/2012, the mortgage was transferred to Ocwen without any knowledge to us the home owners. With XXXX we were in the process of getting approved for a permanent modification and everything went down hill from there. We made the trial payments to XXXX Mortgage and I sent the 3rd, 4th, and fifth payment was not ever cashed by XXXX. As I noticed that the checks were not deposited by XXXX, I decided to call and inquire as to why they did not cash the checks. We were told that the mortgage is no longer with XXXX and that it was transferred and sold to Ocwen Mortgage company. We had not received any notices to inform us that we needed to deal with Ocwen now. I finally found Ocwen 's number and I kept calling XX/XX/2012 to see what my status was and what was going on with the modification. They did not have any information from XXXX nor did they say that I was under the modification trial and awaiting a response. I have attempted several time to modify my loan each time I was given the run around and now the debt has accumulated over time. We were given misleading information regarding the loan that had been transferred from XXXX. They have failed to provide accurate and timely information to us while we sought information about loss mitigation services, including loan modifications. They misrepresented that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; providing false or misleading information about the status of the loss mitigation review, including while referring loans to foreclosure, provided false or misleading information about the status of foreclosure proceedings while we were pursuing a loss mitigation alternative offered by the Servicers. I assume that they failed to properly calculate the eligibility for loan modification programs and improperly denying loan modification relief to eligible borrowers ; failing to properly process borrowers ' applications for loan modifications, including failing to account for documents submitted by borrowers and failing to respond to borrowers ' reasonable requests for information and assistance, and as a result, denying loan modifications to us thinking all that time that we were eligible, they provided false or misleading reasons for denial of loan modifications, with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers in this case from XXXX who was our previous servicer. It has been a difficult time for us in the past and now that we are getting to a point where we can afford payments Ocwen refuses to speak to us or return our calls and when they do, we are given to other representatives where we leave messages but never get any calls from them. I am afraid that the property may have been sold under our nose and or put in foreclosure and we were not given the opportunity to attempt any chances of saving our home. I googled the home and other owners have been named and the address for the loan is different from the address of my home. I have attached some documents for your review as well to verify our claim.
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| 08/16/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, from 1099-A and 1099-C were submitted and approved by the Department of the Treasury Internal Revenue Service to discharge the mortgage obligation with Summit Funding. 4 months later I received a presentment from PHH Mortgage Services stating my mortgage was transferred to them and that they are the servicer of the mortgage now effective XX/XX/XXXX. I sent PHH Mortgage Services a valid and lawful Negotiable Instrument. The instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Spencer v. Sterling Bank , 63 Cal Ap. 4th 1055 ( XXXX ), Guaranty Trust Co. Of NY v. Henwood et al, 307 U.S. 247 ( FN3 ), the Within Negotiable Instruments, Vol. III ( including 2006 Supplement ) on the Undersigned 's UCC Contract Trust Account. " The entire taxing and monetary systems are hereby placed under the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX They refused to accept the Negotiable Instrument and sent it back committing a crime. According to Georgia Code Title 11 Commercial Code Article 3 - Negotiable Instruments Part 6 - Discharge and Payment 11-3-603. Tender of Payment If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. On XX/XX/XXXX, PHH mortgage received a Non-Negotiable Conditional Acceptance via U.S.P.S. Certified Mail XXXX XXXX XXXX asking company to valid the debt. I received communication back from PHH mortgage stating and I quote The information you requested has not been provided to you because production would create an undue burden on PHH see attachment. PHH Mortgage received Non-Negotiable Notice of Rescission via U.S.P.S Certified Mail Tracking number on XX/XX/XXXX via U.S.P.S. Certified Mail Tracking Number XXXX. Next PHH Mortgage Services received Non-Negotiable Acceptance via U.S.P.S. Certified Mail Tracking Number XXXX on XX/XX/XXXX. PHH Mortgage Services received Non-Negotiable Notice of Fault and Opportunity to Cure on XX/XX/XXXX, via U.S.P.S. Certified Mail Tracking Number XXXX. Lastly PHH Mortgage Services received Non Negotiable Notice of Default and Estoppel via U.S.P.S Certified Mail Tracking Number XXXX. In additional there has been countless " Acceptance '' of statements being sent directly to me via U.S.P.S.
For the past 30 days I have been receiving letters from XXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, GA XXXX threatening to Foreclose on my property. My private information has been given out to multiple entities such as Law firms. In addition, PHH Mortgage Services and XXXX XXXX XXXX XXXX XXXX XXXX has called and sent written communications to addresses not associated with me. Some of the letters were addressed to XXXX XXXX who is not on the mortgage. Several friends and family members have been contacted in attempt to collect the debt bringing my private information into the public.
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| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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THIS IS NOT, NOT, NOT A DUPLICATE, BECAUSE THEY HAVE NOT ANSWERED ANY OF THE QUESTIONS. A date for sale is schedule for XXXX XXXX, 2017, and they are playing games with us. The questions listed below are still going unanswered. The sale must be stopped until these questions are answered. Ocwen loan servicing and XXXX, are both saying they do not have the original note, but they have not given us any proof that they have it. They lied to the court by stating that they had it to get the final judgement without properly notifying us and this is why we are asking these specific questions. 1. We are asking for any original documents that show who received the payment for the insurance on the mortgage, because it was not the XXXX estate, nor his beneficiaries. Where is our receipt from the original sale. WHO deposited the note? 2. where is the paperwork that shows that XXXX gave consent to have the funds donated to the alleged owner of the note. 3.Does the Clerk of XXXX County in XXXX have a license to sell this property, and if so can we have a copy of it? 4. Who are the investors that recieved payments on this loan, and what role does XXXX have in this mortgage? 5. We want to know who have any interest in this property higher than ours, the beneficiaries? 6. The reprinted copies we already have, so who has the right to reassignment of this loan if not OCWEN LOAN SERVICING INC? 7. IF Ocwen and XXXX have no interest then can the real party of interest identify themselves so we can communicate with them? Below see the previous complaints, Thank you in advance for you help in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Previous Request for production of information : 1.The original BLUE INK promissory note, front and back, associated with the Loan 2. Any allonge, front and back, affixed to the Borrowers promissory note for indorsements 3. All bookkeeping journal entries associated with the Loan 4. The deed of trust associated with the Loan 5. The insurance policy on Borrowers promissory note associated with the Loan 6. The Call Reports for the period covering the Loan 7. The deposit slip for the deposit of the Borrowers promissory note associated with the Loan 8. The order authorizing the withdrawal of funds from Borrowers promissory note deposit account 9. The account number from which the money came to fund the check given to the Borrower 10. Verification that Borrowers promissory note was a gift to the Lender from the Borrower 11. The name and address of the current holder of the Borrowers promissory note 12. The name and address of the Lenders CPA and Auditor for the period covering We are further requesting the following documents from you and your alleged parties of interest and you are hereby give an additional 10 days to reply to these demands. 1 ) form XXXX registration statement 2 ) form XXXX ( b ) ( 5 ) prospectus ( for the SEC ) 3 ) form FR XXXX balance sheets 4 ) form FR XXXX balance sheets 5 ) form FR XXXX balance sheets 6 ) Profits from stock market, trading your instruments?
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| 04/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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THE INJURY : Ocwen Loan Servicing , LLC ( OCWEN ) services my personal mortgage. OCWEN ( formerly GMAC Mortgage ) has serviced my mortgage since Origination in XXXX XXXX.
In XXXX and early XXXX XXXX, I contacted the XXXX Credit Bureaus respectively regarding OCWEN 's incorrect trade line data.
OCWEN is reporting XXXX MORTGAGES - I only have XXXX Mortgage ; which has never been transferred.
OCWEN is reporting the Mortgage as CLOSED as of XXXX XXXX.
OCWEN is reporting payments through XXXX XXXX - yet the Account shows CLOSED.
Several Disputes and Reinvestigations were filed. The Updated Information did not change the Account status to OPEN.
As of today, XXXX XXXX, OCWEN is reporting my mortgage in duplicate and as closed to the Credit Bureaus.
On XXXX XXXX, XXXX I sent the Credit Bureaus the Verification of Mortgage and Credit History Letter I printed from OCWEN 's Customer site.
On XXXX XXXX, XXXX I contacted OCWEN directly via phone to the Ombudsman 's Office requesting help to resolve the Credit Reporting Error that was still occurring.
I was instructed to send a written request, which included copies from each Credit Bureau showing the OCWEN Account trade line.
On XXXX XXXX, XXXX, I received written notification from OCWEN that " XXXX XXXX # XXXX was submitted to the credit-reporting agencies to report the line of credit as open ... It could take XXXX days for the bureaus to update their systems ''.
On XXXX XXXX, XXXX I forwarded OCWEN 's letter with the AUD # to the Credit Bureaus.
On XXXX XXXX, XXXX I contacted OCWEN notifying them the error was not corrected and I was still being impacted by the error as I was unsuccessful in refinancing my home because of the error ; nor would OCWEN refinance me.
I stated that I felt " trapped by OCWEN ; because [ OCWEN ] wo n't refinance me ; and is telling everyone else I do n't have a mortgage to refinance ''.
The corporate analyst I spoke with told me OCWEN had completed its ' obligation to correct the error as the XXXX '' was sent to correct.
THE INSULT : The Credit Bureaus updated the OCWEN account to show 30 days past due based on updates received the week of XXXX XXXX.
How is it that OCWEN can expeditiously communicate a late payment within 30 days ; yet has been unable to show my mortgage as an OPEN account after 60+ days and at least a XXXX attempts.
I am unable to refinance my home because of the reporting errors caused by OCWEN.
The Mortgage Account shows Closed - Negative Impact on FICO & BEACON score The Mortgage Account shown as XXXX Accounts- Negative Impact on FICO & BEACON score.
The Date Open is incorrect as XXXX rather than XXXX - Negative Impact on FICO & BEACON scoreAs of today, XXXX XXXX, OCWEN is reporting my mortgage in duplicate and as closed to the Credit Bureaus.
I need assistance to either get OCWEN/Credit Bureaus to report the information correctly ; or assistance in having the Credit Bureaus remove the incorrect information which is severely damaging any opportunity to refinance my home.
I have attached copies of the request sent to OCWEN on XXXX XXXX ; which included copies of the OCWEN account from each Credit Bureau.
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| 07/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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This is a continuation to my previous complaint/claim # XXXX submitted earlier today regarding the following : It is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX.
Ocwen continues repeating the same answers and enclosing the same documents.
Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XX/XX/XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX.
I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX associates ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ).
Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only one loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month.
It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time.
I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
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| 06/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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After conducting an in-depth review of my mortgage transaction and the conveyances of the subject property, I have found a number of violations with respect to the following Assignments. EXHIBIT A : Upon information and belief XXXX XXXX, XXXX XXXX and XXXX XXXX are employees of XXXX XXXX XXXX and not XXXX XXXX and or XXXX. XXXX testified in a XX/XX/XXXX foreclosure case in Florida that he signed up to 5,000 mortgage assignments per day at the loan-servicing company. Although he is an employee of XXXX, he signed the documents as a " vice president '' of XXXX XXXX XXXX, XXXX XXXX, XXXX and other institutions. ( See : Case # XXXX, XXXX Court of the XXXX XXXX XXXX, XXXX County, FL ) In his deposition, XXXX said XXXX multiplied his output by electronically stamping his signature on additional mortgage assignments that XXXX said he never saw. He testified, too, that all the documents then were falsely notarized. XXXX 's notaries were given stacks of the already-signed documents, he said, and attested falsely that XXXX had signed the legal papers in front of them. XXXX said he did n't verify the information in the papers he signed, and that he did n't understand key words and expressions in them. On thousands of documents, a California or North Carolina address is listed directly under XXXX name to help conceal his true employer. In a Texas case involving an Assignment signed by XXXX XXXX, a Texas Court denied an Application for Order for Foreclosure on XX/XX/XXXX, after the homeowner responded to the application with allegations of fraud based in part on the conduct of XXXX. See, In re Order for Foreclosure Concerning XXXX XXXX, Cause No. XXXX, District Court for XXXX County, Texas, XXXX Judicial District. XXXX XXXX XXXX, XXXX XXXX XXXX Correspondent, wrote an article about XXXX and XXXX Title on XX/XX/XXXX and on XX/XX/XXXX. XXXX has used the following job titles : Vice President, XXXX XXXX XXXX XXXX XXXX XXXX ; Vice President, XXXX, XXXX by XXXX XXXX XXXX, f/k/a XXXX XXXX XXXX XXXX, Its Attorney. EXHIBIT B : Upon information and belief this said Assignment is materially false, created with the intent to defraud those who might act upon the instrument and/or the information contained therein as genuine, as there is [ no ] evidence of this Assignment registered, recorded or transferred by XXXX. More specifically, there are [ no ] transfers, conveyances by XXXX beyond XX/XX/XXXX according to XXXX XXXX XXXX. The assignment contains the MIN : XXXX after conducting a search of XXXX sight, the MIN is registered to a note dated XX/XX/XXXX. ( See : Exhibit C ). Additionally, XXXX XXXX XXXX is also an employee of XXXX XXXX XXXX and NOT and employee of XXXX. Both Assignments violate Maryland Code Criminal Law Title 8 Subtitle 6, unfair and deceptive trade practices as defined in 13-301 of the Maryland Consumer Protection Act ( MCPA ) Md. Commercial Law Code Ann, The Fair Debt Collection Practices Act 812. Furnishing certain deceptive forms [ 15 USC 1692j ] and 808. Unfair practices [ 15 USC 1692f ], 8 U.S. Code 1324c and the Maryland Mortgage Fraud Protection Act ( Md. Code, Real Prop. 7-401 et seq. and 7-402 ).
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| 07/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have already described in much detail what has happened. I will however attempt to restate and add more details. I had mortgaged two properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for XXXX mortgages via two different previous loan servicing companies. 1 ). One of the mortgages was modified by Ocwen. On this mortgage I feel Ocwen unjustly added an additional approximately {$19000.00} to my principal balance even though my loan was paid current with previous loan servicers until the year of XXXX. That was about two years of payments made on time until that point. I had financial difficulties in XXXX to XXXX primarily and sought modification on my mortgages. 2 XXXX. One company Litton did modify but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Again before the modification I had paid approximately 2 years worth of payments on time before my financial difficulties developed. 3 ). The next property was mortgaged and serviced in XXXX by XXXX after several previous mortgage companies had owned the loan. XXXX sold to Ocwen. Representatives from XXXX told me my loan was modified. I had not received written clarification on this and I continued to pursue this documentation. I was eventually told XXXX sold all of its company mortgages to Ocwen and I could not any longer contact XXXX when XXXX phone number instructed I should now contact Ocwen. This is the loan I believe maybe have been re-modified by Ocwen. This is the loan mentioned above that added an additional {$19000.00} to my loan and did not inform me that this action would result in the addition to my principle. As previously stated, Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 4 ). Ocwen would report me as late within 30 days after the month I was late with payments up to 89 days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on XXXX loans, Ocwen can not report my payments paid since the last four months. All three credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the three credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within 30 days after I was late for over 30 days Ocwen can report in a timely manner when I have paid on time. Thank you for reviewing my complaints.
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| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/2022 I requested from my mortgage company PHH Mortgage ( Parent Company : Ocwen Financial ) that the PMI removal process be initiated for my home, via an appraisal. Nearly a month after requesting this, on XX/XX/2022, I was met with an email saying I had yet to complete the required documents. This was erroneous because I had sent them in, in the beginning of XXXX.
Regardless of this, I persisted and was finally able to get an appraisal ordered, through XXXX XXXX XXXX ( Parent Company : XXXX ) and after XX/XX/XXXX, the date of the appraisal, I followed up with the appraisal company only to find that the order had been canceled. Not sure how this happened, but nevertheless, I contacted my mortgage company only to find out that they had no knowledge that it had been canceled, which was very hard to believe.
At this point, I ordered a new XXXX ( XXXX XXXX XXXX ) from my mortgage company, which was completed by XXXX XXXX, XXXX, NV and sent to my mortgage company XX/XX/2022. At this point, I waited a very, very long time and made calls to XXXX XXXX, PHH, and the appraiser. The appraisal company told me the appraisal was completed and sent over XX/XX/XXXX, and one agent even informed me that the value was high enough to have the PMI removed. I also spoke to the appraiser himself, who informed me it had already been sent out and that he had completed the XXXX to reflect the proper value of my home for the area ( which would be sufficient to have the PMI removed ).
More than 40 days later, on XX/XX/XXXX, I was contacted by my mortgage company to be told that my request was denied on the basis that my home did not appraise at the proper value to have an XXXX of 80 %.
I asked the value they had, and they told me a value that was {$5000.00} LESS than the value of my home upon purchase, nearly 1 year ago. This was when I knew something was amiss because not only did I receive confirmation from the appraisal company XXXX XXXX, but the appraiser himself too.
In a conversation I had with the appraiser, he informed me that after he submitted the appraisal the first time, nearly 30 days later, the case was re-opened, and he was provided with alternate comparables that he was told to use. He suggested that the comps were not as relevant as the ones he used, but that in general, he does not like to rebuttal the banks, and instead, he bends to their will, because he claimed it would hurt his rating ( compensation ) for future jobs. I asked him if this was proper procedure, given that it should be an impartial assessment, and he confirmed that yes, it was more a reflection of what they wanted than a true, 3rd party appraisal. To me, it seemed like undue influence and leveraging compensation/a rating over the appraiser in order to achieve a desired development or reporting of a predetermined price point.
At this point, my loan is transferring to a different mortgage company XX/XX/2022 and I am out of options to reconcile this with my current company. I have sought to resolve this with PHH Mortgage, but am stonewalled by my requests and am being told to 'send a physical letter to a po box to rebuke the appraisal. '
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| 02/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The billing procedures of PHH Mortgage are deplorable. Since they took my mortgage over from Ocwen, i was able to log in to make my payment ONCE. Their website is down, you are unable to view tax documents, escrow, property tax info ( all needed for tax purposes ) or make a payment! When you log in, it says we can better serve you over the phone. To use their automated system to make a payment ( over the phone ) it costs money- its through XXXX XXXX speed pay and they tell you upfront it costs money. So you have to sit on the line ... ... ... .. and wait. Eventually you get a customer service rep, usually from over seas, that will take your payment information, but you have to ask them about the fee. Mail a payment in? I wouldn't trust this company with a mailed payment for ANYTHING. I started getting notices from my homeowners insurance company. My insurance wasn't paid, and i was made the billing agent. How is that even possible when its included in my mortgage payment? I can't even log IN TO SEE MY ESCROW ACCOUNT. I am beyond frustrated with this company- their billing procedures are invalid, because you can't make your payments through their websites, as their statements suggest. I smell fraud and they are XXXX miles away. This has been going on since XX/XX/2019. Every month is a hassle. I received an email telling me I have to log on to get my tax documents. But when I do ... XXXX nothing. Call us so we can better serve you. I have talked to their tech support twice. I got the same run around each time. I have used different browsers, i have cleared my cache, I don't have any issues with ANYTHING BUT THEIR WEBSITE- how can you run a business like this!!! ANGRY Dear ( xxxxxxxx ) : An Escrow Tax statement is now available for you to review. For more information, please log onto http : //www.mortgagequestions.com.
Please do not respond to this e-mail as it will be sent to an unmonitored e-mail box.
to : We feel that your home loan needs can be better addressed over the phone.
Please call toll free at ( XXXX ) XXXX so one of the expert mortgage consultants can help you complete your home loan process.
Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request.
Please contact the server administrator at root @ localhost to inform them of the time this error occurred, and the actions you performed just before this error.
More information about this error may be available in the server error log.
I just called in to get my loan number to finish this complaint. they told me this time, my loan was never registered on their website, which is why I am unable to log in. Huh, really? I've been through this before, twice but ok, just for the purpose of this complaint, i went through it ... .. AGAIN Internal service error. It is not me- its them. I used 3 different browsers and 2 different computers, neither of which have any issues with ANY other website.
Registration Error! We have encountered an error. Please see below for additional details. For help, please call XXXX Monday - Friday XXXX - XXXX ET and Saturday XXXX - XXXX ET.
Huge FAIL
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| 08/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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In XXXX I purchased a home with my mom who had XXXX. I was her FPOA/HPOA at the time and I signed the mortgage documents for her. The home was held in her Trust, of which I was the Trustee. My dad had already passed and I am an only child. On XXXX/XXXX/XXXX my mom passed away. At this point I had been her caregiver for nearly 8 years, and had developed a XXXX ( XXXX ), so I filed for Social Security XXXX 2 months later ( XXXX XX/XX/XXXX ). I eventually was awarded XXXX, backdated to XX/XX/XXXX, but did not start receiving checks until XXXX of XX/XX/XXXX. In the 2 years between, I ended up behind on both my XXXX ( GMAC, now Ocwen ) and XXXX ( XXXX XXXX XXXX XXXX, now XXXX XXXX XXXX ) mortgages. Founders allowed me to bring my loan current XX/XX/XXXX, with a monthly payment of {$220.00} ( @ {$25000.00} @ 8 % ), and I 've paid on time every month since. Ocwen has given me the runaround for nearly 4 years now, and have actually foreclosed on their portion of my debt ( {$84000.00} on XXXX XXXX, XXXX in XXXX County Michigan ). I have worked very hard since XX/XX/XXXX to rebuild my credit score and now have it back up to the XXXX range, I have no other debts and XXXX has agreed that my income/cash flow is sufficient to repay both loans, which is my goal.
My complaint is that Ocwen made a deal with me in XX/XX/XXXX to modify my original loan with a lower payment, and I made those payments on time for 6 months straight, but when they sent the forms to me to make the new payment permanent, they put them in my DECEASED MOTHER 'S NAME - 2YEARS AFTER HER PASSING! ( see attached ) I called them to correct this, but then all of a sudden they told me they could only talk to my mother because I was n't authorized on the loan! They also stopped accepting my payments in XX/XX/XXXX. This after I was the person who signed the original documents and had been discussing refinancing with them for nearly a year! So, I faxed what they asked for, but when I called back in, again they could n't find my fax, and gave me different numbers to fax to again. This happened multiple times over the entire year of XX/XX/XXXX, and by the time they would talk to me ( XX/XX/XXXX ), they had already started the foreclosure process. Then they sent me forms to sign, but they said I owed {$100000.00} ( THE ORIGINAL LOAN IN XXXX XX/XX/XXXX WAS ONLY {$100000.00} )! I agreed to repay the amount I owed as of XXXX XX/XX/XXXX ( when they stopped accepting my payments ), plus any escrow shortage, but they said I had to pay the whole amount they wanted, and still foreclosed - for {$84000.00}. I tried to refi with my local bank, but they ca n't loan /me the $ $ until XX/XX/XXXX as I was forced to file ChXXXX for unpaid doctor bills, and it was just discharged XXXX/XXXX/XXXX, which is the only reason they wont loan the $ $ today. I agree to pay what I owe, but not {$16000.00} more! Or, alternately, I need them to give me until XX/XX/XXXX or XX/XX/XXXX to get my financing from XXXX XXXX. Please help, otherwise I think I have to move by XXXX/XXXX/XXXX and I do n't want to lose the {$70000.00} equity that I have here! Thank you for your help. XXXX XXXX, Michigan
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| 08/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I spoke to PHH mortgage company around XX/XX/2023 after being about 6 days late on my loan with ( XXXX ) a number provided by the XXXX to help Veterans in talking to mortgage company 's in regarding mortgage forbearance plans that would be put at the end of my loan. We explained to them that I have been out of work for over 18 months and I was waiting for the XXXX XXXX over 12 months to do XXXXXXXX XXXX an back XXXX. We also informed them that I had pulled {$74000.00} out my plan B retirement early to cover my bills and had used up all my funds. we also told them I was awaiting for a XXXX XXXX claim review and my retirement paperwork to be reviewed and awarded. I was told that I would receive a letter in the mail before the end of my 3 months explaining what to do next. after we explained everything to the lady we was told I was approved. and that I would get something in the mail explaining what to do at the end of the forbearance plan if things had not changed. we was also told that we could get a additional 3 months extension if needed after the first 3 months. I attempted to make a payment to my account before the 90 days was up and I was not able to with a note to my account stating that I needed to contact the mortgage company and that I had to make a $ XXXX payment. I contacted XXXX XXXX ( XXXX ) On XX/XX/2023 we had another and we spoke to PHH lost mitigation after about XXXX attempts. We spoke to a lady that started out by saying, I needed to pay the late balance of {$12000.00} to make my loan current. we told her what we was told by a PHH in XX/XX/2023 that I was given a forbearance for 3 months to be added to the back of the loan. she informed XXXX that that is not what we was told and that my 4 months was do now in the amount of XXXX XXXXXXXX. XXXX ask her to explain how did they retroactive the XXXX forbearance payments that was agreed would go to the back of the loan is no due making my loan 4 months behind instead of being able to make the XXXX XXXX month payment as agreed. she also told us that I was in a XXXX XXXX loan after XXXX ask what kind of loan I have. XXXX told her that she had never heard of any government backed loan that didn't allow for forbearance to be granted let alone be retroactive due to the fact that I have over {$200000.00} in equity in my house. XXXX asked what happen to the 3 month Forbearance and the lady after being questioned again the second time stated it was denied on XX/XX/2023 5 days after we spoke to them I have not received the denial letter to date. XXXX told me to file a complaint and that she was going to talk to upper Management and get back to me. because she felt I was being mistreated. attached is a letter dated XX/XX/2023 with no mention of a denial that reads as if it was the first correspondence from my to PHH. she also stated that I most likely would have to refinance or possible short sale but to file out the application that she was sending. I have a XXXX XXXX loan at the present to do any of the following would raise my loan to XXXX XXXX to where I won't be able to afford. I do believe both conversation with XXXX was on a recorded line.
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| 02/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I would like to file a formal complaint and request assistance is resolving the issues with my mortgage company Ocwen XXXX XXXX.
On XX/XX/XXXX I was forced into filing XXXX XXXX Bankruptcy in order to prevent my home for being sold at auctioned. I had previously submitted a mortgage modification package, which was denied, according to Customer Service Representative the paper work was received too late. No where within the package was there a time frame specified with the instructions regarding date of submission. I retained a professional service to assist me with the Bankruptcy and to negotiate with Ocwen. Strangely enough the same modification information package which had been deemed denied due to lateness was effectively used. I was informed by Ocwen and the professional assistance service that the modification was accepted. I was placed upon a 3 month trial payment plan for XXXX, XXXX and XX/XX/XXXX ; which I successfully completed. When I attempted to make the XX/XX/XXXX payment through Ocwen 's automated system, the system did not allow me to complete the transaction. When I spoke with a Customer Services Representative at Ocwen, I was informed that my modification had been cancelled because they did not receive final signed agreement back from me. I never received any such documentation from Ocwen via the postal service. On numerous occasions I have made numerous Ocwen representatives aware that there is difficulty receiving mail via the postal service and to please send communications via my e-mail address. I received that final signature pages via e-mail on about XX/XX/XXXX and returned it via express mail on XX/XX/XXXX. On XX/XX/XXXX I received a scheduled update call from Ocwen, I was informed that my loan modification was still under review by the Underwriting Department ; however the foreclosure procedure had been placed on hold. First time I heard of a foreclosure procedure was XX/XX/XXXX ; even though since XX/XX/XXXX I have had at least 6 conversations with various Customer Service Representatives. The representative further informed me that it could take up to XX/XX/XXXX for them to make a decision.
The second issue involves cancellation of my home owner 's insurance policy due to Ocwen not paying my premium on time. I can not receive a new home owner 's policy because of the age of the roof ; I must replace the roof before I can get another policy. In the mean, Ocwen has secured only liability coverage on the property, for which I have been paying at a much greater expense than my former home owner 's policy.
The third issue involves my payments. I purchased this home in XXXX ; refinanced it in XXXX or XXXX. The only option that Ocwen offered was a reduction in my interest rate, pay {$510.00} for 17 more years with a balloon of approximately {$78000.00} due at the end of 17 years. With the substantial decrease in the interest rate why is a balloon even necessary?
In the past I received Court mandated compensation as a part of Class Action law suite involving Ocwen poor business practices. I think we are back at that same place again, regarding Ocwen 's business practices.
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| 06/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Below are the details of our home loan from Ocwen Loan Servicing, LLC : Unpaid Principal Balance : {$420000.00} Original Principal Balance : {$430000.00} Escrow Balance : ( {$2600.00} ) Length of the Loan ( Months ) :360 Origination Date:XXXX Maturity Date:XXXX Interest Rate ( % ) :3.48738 We have NEVER missed a payment. We have been late two or three times, but have NEVER missed a payment. Summer of XXXX, we went through a loan modification with Ocwen. We were approved and our new monthly payments were to be {$2100.00} Our trial period began and every payment was made on time and 4 phone calls with our " Relationship Manager '' were made stating that the cashier 's check was mailed in. At the end of the 6 month trial period, which wasXX/XX/XXXX, Ocwen sent back one of our cashier 's checks. When we called to ask why, Ocwen said the loan modification was not signed, therefore null and void. We were shocked. We had no idea this was a requirement ( we had just signed and sent in all of the modification papers 6 months prior ) and we asked why we were not notified about this during any of these " relationship manager '' phone calls. Ocwen had no answer for that, they just said sorry and now we need to back pay {$16000.00}! We told them this was ludicrous and we needed to find another solution. I asked why we could n't just sign the paperwork? Ocwen claimed it was too late for that - federal rules and regulations. All of this because of a signature? And, you did not notify us? This seemed very underhanded and illegal. I asked what other solutions they had for us. Ocwen said we could try for another modification. We tried and were denied. When we asked why, they said because they could n't lower our payment by 20 %. I said we do n't need our payment lowered by 20 % - we are happy to continue paying what we were paying - in fact, we could pay a bit more each month. Ocwen said sorry. There was nothing they could do. I have called back three times looking for new solutions and have talked to a " manager '' but they just keep repeating the same round and round nonsense. Because we do n't want to lose our home, we made a {$7000.00}. payment and have to make payments of {$4200.00} a month for 11 months to get our " account current. '' We have tried to refinance, but here is the added salt to the wound - Ocwen is stating that WE HAVE 6 MONTHS OF LATE MORTGAGE PAYMENTS!! So, we have been turned down. I called to tell them this as well. I stated that they obviously do not want us as customers any longer and we are trying to refinance elsewhere, but they need to fix our credit history! Again, they said no and that they were sorry. I told them they were not sorry - how could they be? My husband and I went online and looked at all of the thousands of consumer complaints about Ocwen. From a recent XXXX XXXX article : Lawsuits allege mortgage servicer Ocwen 's mistakes cost some borrowers their homes XXXX XXXX and XXXX XXXX, XXXX XXXX Published XXXX XXXX ET XX/XX/XXXX | Updated XXXX XXXX. ET XX/XX/XXXX We are truly stuck and Ocwen is not helping us at all. They are just taking advantage of us and now we are trapped.
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| 07/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have problems with loan servicer Ocwen on how my account was billed and payments were credited to the account. Also, the additional charges and fees after the account was brought current as it took over 9 months for a payment of {$42000.00}, to be credited to the account.
I requested a payoff quote dated XXXX XXXX, XXXX was {$55000.00} ( I have a copy ), Interest was due {$9900.00} per the payoff statement and at the end of the year XXXX I received a corrected Mortgage Interest Statement ( I have a copy ) for {$19000.00}. Also, IRS document reflects an additional {$9700.00} more interest from XXXX XXXX to XXXX XXXX, XXXX, in less than 10 months. My question is how a loan at XXXX per cent interest on a principal balance of {$29000.00} as of XXXX XXXX, XXXX accrue an additional {$9700.00} in 10 months? I would like someone to explain that to me.
I sent a wire transfer of {$42000.00} on XXXX XXXX, XXXX ( I have copy ) was not credited as it was held as " UNAPPLIED FUNDS '' and not credited until XXXX XXXX, XXXX, 9 months after you received the funds of {$42000.00} per the Mortgage Account Statement dated XXXX XXXX, XXXX ( I have copy ). The Mortgage Account Statement also included additional charges for foreclosure costs, inspection costs and late charges that would not have been due if the unapplied funds had been applied to the account. Once the unapplied funds were applied on XXXX XXXX, XXXX the due date on the statement was XXXX XXXX, XXXX. This is incorrect as the payment and escrow was current by your records you faxed me and was on the XXXX XXXX statement. Per the enclosed print out and statement dated XXXX XXXX, XXXX there was {$27000.00} applied to the account from the original amount of {$42000.00} after the account was current. {$27000.00} applied as follows ; Principal {$8500.00}, Interest XXXX, Escrow XXXX.
Also, on XXXX XXXX, XXXX less than two weeks after Ocwen received the wire for the {$42000.00} we request a payoff and received a payoff good until XXXX XXXX, XXXX ( I have copy ) in the amount of {$18000.00}. Wired funds were received by Ocwen in the amount of {$18.00}, XXXX on XXXX XXXX, XXXX before the XXXX XXXX, XXXX payoff expired. The {$18000.00} funds were held by Ocwen and returned that it was short of the payoff. XXXX my father contacted The Consumer Ombudsman, XXXX XXXX and received a payoff dated XXXX XXXX, XXXX to pay in full {$18000.00}. XXXX XXXX, XXXX Ocwen received the XXXX and final wire from XXXX XXXX in the amount of {$18000.00}. Again they sent the wire back after holding XXXX XXXX 's money for 90 days with the only explanation that it was not enough to pay loan off.
I would like to believe that this was done in error as the mortgage was current on XXXX XXXX, XXXX payment to Ocwen in the amount of {$42000.00} and the additional payments paid in advance. The funds should have not been held in a separate unapplied funds account for over 9 months as the account accrued interest, foreclosure fees, late fees, inspection fees and attorney fees.
This account was paid on XXXX XXXX, XXXX and if had been credit properly would not be in foreclosure at this time.
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| 10/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I need help ASAP! I believe I 'm in a predatory mortgage loan. I 've been trying to get out of this mortgage since I purchased my home in 2006 but, I have n't succeeded. The loan is an XXXX interest only adjustment loan with OCWEN Loan Servicing , LLC . The loan just matured last month, which means I 'm now paying principal and interest after 10 years. My mortgage has never been late until now, my monthly payment has jumped up {$940.00}. My monthly payment went from {$1500.00} to {$2500.00} starting XX/XX/XXXX. To make matters worst, OCWEN also claims there 's a escrow shortage and asking for an additional {$600.00}, which increases my monthly payment again starting this month ( XX/XX/XXXX ). My payment is now {$2500.00}. I also pay a XXXX trust monthly, which is {$700.00}. I can not afford a monthly mortgage payment now in total {$3200.00}. I contacted OCWEN by phone after receiving notice of the significant increase to my monthly mortgage payment in XX/XX/XXXX. I informed them that this payment was totally unaffordable for me and requested a loan modification. I applied for a loan modification with OCWEN in XX/XX/XXXX. After submitting all requested documentation, OCWEN denied my loan modification request reason stated because my mortgage was current. Per OCWEN, I need to be at least 30 days or more behind on my payments in order for them to possibly consider a loan modification. I 've even requested refinancing my loan with OCWEN, that was denied. OCWEN stated I was not eligible for loan refinancing and not eligible for any of the make home affordable programs, which include HARP or HAMP due to the terms of the owner of my loan. Per OCWEN, XXXX XXXX XXXX XXXX XXXX is the owner of my mortgage and holds the note. I am at the end of my rope. I have tried everything to work with OCWEN and they have been no help to me whatsoever!! Yet, they say they are here to help in difficult times. NOT TRUE!! I run into a brick wall every time I 'm forced to deal with OCWEN. This large increase to my mortgage is now causing financial difficulties. I exhausted most of my finances to make this month 's mortgage payment. Unfortunately, I 'm facing the same situation for this month. I need some type of relief until I can find a permanent solution. I 've tried to refinance my mortgage with other lenders, such as, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX with no luck. I 've even tried my credit unions. They wo n't touch the loan because I 'm currently underwater with no equity and they do n't have other programs to help because my loan is not owned by XXXX, XXXX XXXX or FHA. I hope the CFPB can force OCWEN and XXXX XXXX XXXX XXXX XXXX 's hand, whereas, I will either receive a loan modification or refinanced into an affordable loan. I know both have been in trouble before with mortgages. I 've worked to hard to rebuild my credit and avoided foreclosure, which I am possibly facing now. One lender suggested that I do a short sale and get out of the loan all together, which is easier said than done. I hold a clearance, which makes my situation even more difficult. Your assistance is this matter is greatly appreciated.
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| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I paid my mortage for XX/XX/XXXX through XXXX XXXX XXXX online banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from Ocwen stating they had not received my XX/XX/XXXX mortgage. I spoke with a representative and stated the mortgage was paid on the XX/XX/XXXX on online banking through XXXX XXXX XXXX. I then pulled up my XXXX XXXX XXXX and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that XXXX XXXX XXXX made an error. The representative from Ocwen called XXXX XXXX XXXX and we had a 3 way phone conference call and XXXX XXXX XXXX refused to acknowledge their error and couldn't get Ocwen the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to Ocwen. I then had to call XXXX 's XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. Ocwen was also on this 3 way conference call. I was informed from Ocwen due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX holiday, XXXX XXXX couldn't guarantee the check would be to us before the XX/XX/XXXX. The check arrived on XX/XX/XXXX and Ocwen was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from Ocwen about my XX/XX/XXXX mortgage payment and received them the next month on XX/XX/XXXX. Also, our credit report was lowered because Ocwen reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and Ocwen had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with XXXX and called Ocwen who will not take down this late payment stating that legally Ocwen had to report this late payment and that the only way Ocwen will correct the dispute is if XXXX XXXX XXXX sends them something in writing stating their mistake. XXXX XXXX XXXX won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with Ocwen where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and Ocwen applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XX/XX/XXXX of the month before my mortgage is late but if you pay after the XX/XX/XXXX of the month Ocwen calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XX/XX/XXXX of the month grace period to pay my mortgage without a penalty.
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| 01/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full year before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has now responded and admitted to the CFPB of this error in a CFPB response that I filed on XX/XX/XXXX. Ocwen stated that the loan was not corrected to comply with a court ordered reaffirmation agreement until XXXX even though Ocwen began servicing the loan in XX/XX/XXXX Ocwen did not comply with Early Intervention ( 12 CFR 1024.39 ) but only allowed the loan to continue to get further in debt putting the debtor in more of a hardship. In my last CFPB complaint Ocwen stated that the sale of the property was placed on hold in this email : Relationship Manager XXXX To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Dear XXXX, We received the documents attached to your emails on XX/XX/XXXX.
Our records show that our Research Department is currently reviewing the issue regarding bankruptcy agreement that was violated by XXXX XXXX XXXX when they were the servicer of the loan. The research will take 10 business days but could take 30 days if additional time is needed for them to provide you with a written response.
Also, please be advised that the foreclosure sale date on XX/XX/XXXX has been put on hold until the research is completed on the loan.
This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact Customer Care at ( XXXX ) XXXX to schedule an appointment with the Relationship Manager, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed.
Customer Care is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Saturday XXXX XXXX XXXX XXXX ET this was a deceitful lie. I contacted Ocwen on XX/XX/XXXX to start a open conversation between XXXX XXXX XXXX the previous loan service company and Ocwen to remedy the loan. I discover the sale was not put on hold and the house was sold the next day at auction. Ocwen purchased the property back at the auction for more than what I owed?
|
| 10/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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XX/XX/XXXX last year my husband lost his job due to the covid-19 pandemic, he is a XXXX and the breadwinner who helped me make the mortgage payments since we bought our home in XXXX. The loan is only in my name. I contacted PHH mortgage about this and they were able to put my mortgage on a forbearance plan because of the pandemic where they would put whatever what is owed during the time to the back of the loan until the expiration date. Every month I would still continue to call to make sure that PHH, and in those monthly phone call conversations, each customer service employee assured me to not worry and that they would help me every step of the way to not lose my house and that it is not going into foreclosure. Fast forward to XX/XX/XXXX, my forbearance plan expired and I was given the option to either extend another three months of forbearance or try to get approved for a loan mod, but also assured that if I was not approved for a loan mod that I would be able to continue to make my mortgage payment and the other money that was owed to be put back to the loan. So, I went ahead and tried for the loan mod because I wanted to lower the payment even more as the rates are very low right now. It should have only taken them 30 days to approve or decline, however, after submitting everything they asked for right away to them, it took them from XXXX of XXXX to XXXX of XXXX which is three long months. I found out on XX/XX/XXXX that I was NOT approved for a loan mod and that my only options now are to short sale my property or foreclose on it! I do not understand why they did not offer to put the money that is owed to them to the back of the loan and that I could start my regular monthly payment. This is not what I was told from the beginning back in XXXX of XXXX because of the covi-19 pandemic. This is absolutely a flat out lie on their part, and every time I call PHH each customer service from the XXXX is just reading off a script and does not understand my particular situation and it is so frustrating. My husband and I are both working now, but do not have the {$16000.00} ( from XXXX to XX/XX/XXXX payments ) saved anywhere, as we just got our jobs and had to just try to survive off unemployment during the covid-19 pandemic like the rest of the world. We worked so hard to keep our home and feel I was bamboozled during all these conversations with the PHH customer service people. Please, help us save our home... we would be able to make three trial payments and that was what I was hoping for if the loan mod was approved, but also was hoping to go back to making my regular mortgage payment of {$3100.00}, but we do not have {$16000.00} to just hand over to them. If my husband did not lose his job due to the covid-19 pandemic we would not need to be in this situation. It is so unfair that things were shut down due to the covid-19 pandemic and so many people were suffering. Please help us as we are willing and can start making our mortgage payment but we really need PHH to keep their word and to put what is owed to the back of the loan so we can start fresh again. Thank you and XXXX bless.
|
| 01/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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|
Web |
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On early XXXX, XXXX. I received a letter from Ocwen Loan Servicing , LLC . dated XXXX/XXXX/XXXX ( See Attached ) stating that a loan modification denial letter previously send pertaining my application for mortgage assistance may not have contained the gross monthly income used in determining my eligibility. Since Ocwen might not have included the original income in the previous modification letter, Ocwen was offering me the opportunity to dispute the modification decision. I disputed the loan modification decision. I received a respond on a letter dated XXXX/XXXX/XXXX ( see Attached ) stating that Ocwen was denying Loan Modification because the owner of my loan does not allow modification. Why Ocwen encourage me to apply to loan modification if Ocwen knew that owner of loan does not allow modification? In my opinion, Ocwen encourage me to apply to loan modification in order to cover for their mistake stated on letter send on XXXX/XXXX/XXXX and have acted in bad faith. After receiving numerous threating letter from Ocwen, I decided to put my house of 15 years for sale. Ocwen send me a payoff quote dated XXXX/XXXX/XXXX ( see Attached ) valid through XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I requested a revised Payoff quote to be Valid through XXXX/XXXX/XXXX I was told that I was going to receive it in about 5 business days. As of today, I have not received Payoff quote. On XXXX XXXX, XXXX, XXXX XXXX, Senior Escrow Officer from XXXX XXXX XXXX Company requested a Payoff quote from Ocwen to be Valid through XXXX/XXXX/XXXX as of today, XXXX XXXX have not received Payoff quote. Today, XXXX XXXX, XXXX XXXX XXXX called Ocwen and explained urgency in getting Payoff quote today because escrow is closing tomorrow morning, XXXX XXXX, XXXX. During the course of conversation between XXXX XXXX and an Ocwen supervisor from Ocwen escalated department, private sensitive information of me was disclosed by Ocwen supervisor such as loan was in delinquent, time loan was in delinquent, and other personal information that I did not consent to be disclose. My privacy was violated by Ocwen. Supervisor at Ocwen told XXXX XXXX that Payoff quote could not be send today for escrow closing because Ocwen needed to add Attorneys Fees to quote. I know for a fact that my home is not in Foreclosure preceding. I have not received any letter of default. In fact, please look at Payoff quote attached, there are no attorneys fees. Nothing have change. There should be no attorneys fees added to any Payoff quote. Ocwen is holding my escrow closure due to take place tomorrow, Friday, XXXX XXXX, XXXX because they want to add more fees for themselves. Ocwen has been given plenty of time to produce payoff quote. I requested payoff quote back on XXXX XXXX, XXXX. I am not able to close escrow tomorrow due to Ocwen behaving in a dishonest maner in order to collect more money in fees and XXXX. If I do not close escrow tomorrow, I will cost me a lot of money in fees and Interest. I will put more money in Ocwen 's pocket. Please investigate my file asap. I believe my privacy and rights are being violated by Ocwen I need help. thank you
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| 08/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I sent and served a RESPA Qualified Written Request/Debt Dispute Letter dated XXXX/XXXX/XXXX ( hereinafter " QWR1 Letter '' ) to Ocwen Loan Servicing , LLC ( " OCWEN '' ), as purported loan servicer ; and XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ), as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates Series XXXX ( hereinafter, the " XXXX XXXX '' ) - a special purpose vehicle ( " SVP '' ) organized as a qualified special purpose entity ( " QSPE '' ) and formed as mortgage-backed securities trust ( " MBS trust '' ). This MBS trust, which was created under an operative securitization agreement called the Pooling and Servicing Agreement ( " PSA '' dated XXXX/XXXX/XXXX ) in accordance with and governed by the trust laws of the State of New York, has an election and continuing qualification as a real estate mortgage investment conduit ( REMIC ) pursuant to the U.S. Internal Revenue Code ( IRS ) section 860.
Other than an acknowledgement letter dated XXXX/XXXX/XXXX from XXXX XXXX as Trustee of the securitization trust advising that it is forwarding my QWR1 Letter to OCWEN, I never received any response or even an acknowledgment letter from OCWEN.
I therefore sent another Qualified Written Request/Debt Dispute Letter dated XXXX/XXXX/XXXX ( hereinafter, " QWR2 Letter '' ) to OCWEN and XXXX XXXX to follow up. I copied the Consumer Financial Protection Bureau ( CFPB ) with said QWR2 Letter, which was also duly received by OCWEN on XXXX/XXXX/XXXX ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX also on XXXX/XXXX/XXXX ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ). See attached QWR2 Letter dated XXXX/XXXX/XXXX, which provides in full details and facts with specificity why I dispute the debt and demand that OCWEN and XXXX XXXX validate their claim as purported loan servicer and owner of my mortgage loan, respectively.
I received XXXX response letters from OCWEN dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX acknowledging receipt of my QWR2 Letter and stating, " while most requests are addressed within 10 business days, some requests may require additional time. In the event we are unable to issue a complete response within 30 days, you will receive a letter indicating additional time. '' To date ( XXXX/XXXX/XXXX ), in violation of the Real Estate Settlement Procedures Act ( RESPA ), codified as Section 2605 ( e ) of Title 12 of the United States Code, specifically under Section 1024.36 ( d ) ( ii ) ( 2 ) ( A ) of Regulation X of the Mortgage Servicing Act, as amended by the CFPB pursuant to the Dodd-Frank Act, OCWEN failed to provide me within 10 business days ( after receipt of said request and demand for information ) the identity of, and address or other relevant contact information for the true owner of my mortgage loan. Likewise, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( B ), OCWEN failed also to provide a complete response with all of the other information within 30 business days. There was no letter whatsoever from OCWEN requesting for any extension of said deadlines. OCWEN just completely ignored my QWR/Debt Dispute letter ( s ).
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| 05/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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|
Web |
Older American |
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I want to file a formal complaint against Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX.
We refinanced our home mortgage in XX/XX/XXXX when housing prices were up. Unfortunately, are now in an underwater mortgage because of the real estate market dropping several years ago. We applied for the HARP and HAMP loans, but we were denied because we make our payments on time EVERY month and currently we make enough money to pay our mortgage. We want to eventually downsize, but we ca n't sell our house at the current amount that is owed. I spoke with a mortgage consultant at XXXX XXXX XXXX. He informed us of a program that is a short payoff refinance through FHA. We had our house appraised and it is now valued at {$110000.00}. Our mortgage balance is {$160000.00}. I, along with the mortgage counselor at XXXX XXXX contacted Ocwen Loan Servicing , LLC . We explained to them that our house was appraised by a certified appraiser and there is a program specifically for our situation and that Ocwen Loan Servicing does participate in this program. We offered them the amount that the house was appraised at, which was {$110000.00}. On or about XX/XX/XXXX, we received a letter from Ocwen Loan Servicing indicating that they are accepting the " Discount Payoff '' for {$110000.00} and it was valid until XX/XX/XXXX. We continued working with XXXX XXXX XXXX by submitting all of the documentation that was requested of us. They had already approved us for the mortgage based on our credit scores as well as our income. Time was starting to run short and so our mortgage counselor requested additional time so that we would have ample time to make sure that everything was submitted to their specifications. Once we requested additional time, Ocwen started sending us letters that the discount payoff agreement was denied. Ocwen never submitted the payoff quote for the correct amount which was agreed upon, but instead they submitted it with the total amount which is currently owed on the loan. Our mortgage counselor as well as his manager made numerous phone calls to Ocwen and they were on the phone for hours trying to get the correct documents so that we could close on the new loan and also so that we could meet the deadline of XX/XX/XXXX. We were told that they would see about extending the date for a few days, but they would not put that in writing. The underwriting team from XXXX XXXX XXXX would not release funds without it being in writing for fear that Ocwen would reject the EFT. Because Ocwen kept transferring us to the wrong department all along and they will not submit the correct paperwork, we have now lost out on this agreement. A few times we were told that we need to talk to the short sale department and we did do that, but they kept saying that we were not approved for the discount payoff, when in actuality, we were. They have reneged on the agreement because of deliberately stalling and not submitting what was asked of them so that we could finalize everything by the termination date of the agreement. I feel they have been very unethical and also unprofessional.
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| 01/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau - CFPB Subject : Loss of home due to non-response from Ocwen Loan Servicing, LLC Reference Ocwen Loan XXXX CFPB : In the last quarter of XXXX, a contract for the short sale of our single family residence at XXXX XXXX XXXX, XXXX, NY was arranged for by XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX XXXX ) and the Law Offices of XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ).
Our home for thirty years, Ocwen Loan Servicing, LLC, had purchased the mortgage in XXXX, which disturbingly, followed approximately one year after our previous encounter with Ocwen in XXXX, XXXX. There, we had cosigned a mortgage for the home of my sister-in-law, XXXX XXXX. XXXX defaulted and skipped from the property, leaving my wife and I holding her debt. Ocwen bought that mortgage.
With the XXXX property devalued, we ultimately arranged for a short sale. Ocwen denied our plea for help. The sale failed and the house went to tax auction. Our once excellent credit was destroyed.
It would seem that, in our weakened financial position, Ocwen has targeted us for fleecing.
Today, we again face foreclosure. My wifes career as a XXXX XXXX took her from XXXX XXXX to XXXX. The ever enlarging Ocwen monthly fees and usurious charges stretched us to the breaking point. Due to continuing bad credit stemming from our XXXX fiasco, we were unable to qualify for an affordable mortgage.
While we were current with our monthly payments in XXXX XXXX, we attempted a short sale for our overvalued home. This was with XXXX XXXX in XXXX. Again, Ocwen refused to work with us.
Then, my wife suffered broken bones due to a fall and a subsequent hospital stay revealed her XXXX. Unable to work, XXXX accepted Social Security XXXX retirement. Similarly, I took an early Social Security benefit in order to be with her. On a fixed income, we moved from XXXX XXXX to more affordable XXXX. Consequently, we stopped our monthly mortgage payments.
Then, XXXX XXXX of XXXX XXXX arranged for a short sale which was only {$10000.00} below assessed value. Approval of this by Ocwen would begin to heal our credit. Although we have no equity in the home and would receive no monetary return, after many years of high fees, Ocwen would still walk away with a profit.
Having complied with all Ocwen applications forms, we awaited Ocwen short sale approval. And waited, until finally, the 90 day contract period expired at new year. Our would be buyer walked away.
Our pleas for help from Ocwen failed to spark any sympathy in XXXX and today Ocwen remains true to form.
As our lawyer and our realtor bargained with one part of Ocwen, another Ocwen branch would alternately threaten foreclosure, offer faux sympathy with impersonal letters advising we seek council or offer to restore our contract in exchange for a huge sum of money we did not have.
Our realtor and we have since parted company, resigned to Ocwens indifference.
We foresee no benefit from this complaint, other than urge you to confront Ocwen in the hope of sparing others our pain.
Sincerely, XXXX and XXXX XXXX
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| 06/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The property XXXX XXXX XXXX XXXX XXXX NY, XXXX was for eclosed on 5 years ago on XX/XX/XXXX , b y XXXX XXXX / XXXX XXXX .I h ave a letter from XX/XX/XXXX , from XXXX banks Investigation team stating : " RE : Loan Number XXXX Dear Sir, This letter is in response to XX/XX/XXXX , request regarding the above-mentioned mortgage account. I appreciate the opportunity to address your concerns. My investigation revealed the foreclosure sale was completed as of XX/XX/XXXX . As the foreclosure sale has been completed, you have been removed from the owner of the property and the property is now Real Estate Owned. If you have any additional questions, please contact a Customer Service Representative at XXXX , Monday through Friday, between XXXX XXXX and XXXX XXXX Eastern Time. Respectfully, XXXX XXXX Customer Response Team XXXX XXXX XXXX , a division of XXXX XXXX XXXX ( r ), XXXX ''. I also have the XXXX 's from XX/XX/XXXX : Ac quisition or Abandonment of Secured Property and XXXX Cancellation of Debt and Notice of Termination of Proprietary Lease selling all shares. Five yea rs later about 4 months ago, I have started getting nonstop calls and bills in the mail fro m Ocwen Bank s aying that there was a clerical error back in XX/XX/XXXX and now the foreclosure is not valid which I feel is crazy that the property has been listed for sale all these year 's up untill XX/XX/XXXX . In the past 5 years, I have been turned down several job offers and loans because this is on my credit report. With the foreclosure, only XXXX years left on my credit repor t, Ocwen 's Bank represe ntative XXXX XXXX at the Office of the Consumer Ombudsman informed me that they will start up the foreclosure process again and this will be on my credit report for another 7 years.I do not live in that property and am living in a different state. On XX/XX/XXXX , I c ontacted XXXX XXXX and XXXX Representative XXXX XXXX informed me that the foreclosure did go thru on XX/XX/XXXX , and Ocwen Bank has made a mistake and to call her and she could help fix the error. On XX/XX/XXXX , I contacted Ocwen 's Bank repres entative XXXX XXXX at the Office of the Consumer Ombudsman to give him XXXX XXXX and XXXX Representative XXXX XXXX contact information and he refused to contact her and told me to get any and all paperwork from XXXX XXXX and send it to Ocwen Bank for review. I have sent a letter to OneWest requesting any and all paperwork on the foreclosed property and am waiting on that.Ocwen 's Ba nk representative XXXX XXXX told me to send a Ceasing Communication letter and I did, but they keep calling me. I have bee n out of work for the last two years because of an injury and the amount of stress they are applying is unethical. I can not afford an attorney to fight this with me and I do n't know what to do next.If there is any way you can help please advise. I will attach all documents that I currently possess.
Thank you
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| 12/05/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Greetings, Hurricanes Zeta and Ida severely damaged my home. To date, approximately {$95000.00} is being held by my mortgage company. Over the last couple of years the mortgage company has used multiple obstacles to create administrative reasons for withholding the funds paid by the insurance underwriter. For example, a small amount of the funds were issued to both me and to my former spouse, but after providing the needed documentation to the insurance underwriter, new checks were issued without my former spouse included. Those checks still had to be endorsed by the mortgage company which refused to release the funds Next, the mortgage company arbitrarily made a requirement that an inspection needed to be performed before any funds would be released. Please note that some of the funds were for ALE - Additional Living Expenses- incurred by me while I was without utilities for XXXX. The inspection was finally performed in XXXX, 2022, and the results came back at 100 % completed.
Additionally, I was without a roof on my home, so rain just poured into my home and destroyed the interior and a lot of my personal property. I was forced to sell my business to obtain the funds to replace my roof and survive since the burden was terrible and XXXX basically cut off my earning ability. That work was paid out of the proceeds of the sale of my business.
Subsequent to the XXXXXXXX XXXX inspection, which again resulted in 100 % complete, three checks totaling approximately {$96000.00} were sent to me with a congratulatory letter from my mortgage company ( Ocwen or PHH or XXXX XXXX- they use three different names interchangeably ). XXXX days after the fully endorsed checks were inspected for endorsements and deposited by my bank, the XXXX XXXX in conjunction with THE MORTGAGE COMPANY 's bank - XXXX XXXXXXXX XXXX XXXX who sponsors a website for the mortgage company - denied payment to me. That was in XX/XX/2022.
XXXX XXXX, this matter has gone on and on without XXXX single XXXX being released to me, however, the mortgage company and insurance underwriter 's Loss Claims website shows XXXX releases of funds to me, the last of them allegedly XXXX to me XX/XX/2022. Unfortunately, those funds were sent to a New Jersey address, not to me.
In an effort to condense this horrible fiasco, I have spared you of at least 20 phone conversations wherein the mortgage company promised release of funds was only five days away. The last and final phone conversations were yesterday, Saturday, XX/XX/2022 ; the first of two calls was disconnected by the mortgage comapny after roughly XXXX minutes of hold time, while the immediate second call resulted in the representative informing me that another obstacle had been created- a proof of income requirement needs to be met and they would XXXX the application to me within five days. The conversations are recorded by both myself, as well as, the mortgage company.
Won't you please help me?
Thank you very much for your kind attention to my complaint.
Please contact me with any questions you may have.
With best regards, I am...
Respectfully, XXXX XXXX XXXX
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| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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To whom it may concern, I have tried relentlessly to resolve this issue with PHH Mortgage. My name is XXXX XXXX and my loan number is XXXX. PHH gave me a loan modification after my forbearance then closed it prematurely stating my modification agreement was not returned on time. They closed the modification workstation and they denied it. I mailed the agreement back on XX/XX/2022. I was due back by XX/XX/2022. PHH sent me a letter dated XX/XX/2022 stating I refused to send the modification agreement back on time. I filed a complaint PHH then sent me a letter apologizing stating they had made an error and instructed me to send in the expired agreement along with my XXXX and XXXX payments. I sent in the mod agreement and the XXXX payments certified check from my bank and a signature required upon the envelope being delivered. It was delivered on XX/XX/XXXX a PHH employee signed for it. PHH then told me they got the mod agreement but no checks and I would have to send in a new packet to reapply for a modification. Upon several occasions I contacted them persistent that I mailed it and someone signed therefore they ought to find it. I was then told after weeks of back and forth with them to send in the proof to the research team. I asked my XXXX daughter XXXX XXXX to use her email to send to the research team as I was locked out of my XXXX account. I was then told that they found they checks 2 months later and it was fine it will be applied to my account and the modification will be acceptable they just needed to get some documents from the loss mit team. Suddenly another letter appeared at my home stating my checks were no good and I need to send in a 3rd party authorization for the email that was sent to the research team. I XXXX XXXX has been communicating with the mortgage company myself. Every attempt to resolve this issue PHH dropped the ball keeping me delinquent. I am very sick, exhausted and fed up with PHH. I have lost XXXX lbs because of stress with this situation. They are not competent to even receive an agreement and XXXX checks to apply to the borrower loan without antagonizing and tormenting the borrower for months. I lost my husband during XXXX and I can not afford to lose my home. Can you please once again TRY to ensure PHH does their job correctly without frustrating a borrower as if they just want the house back. Ive have complied with every request from PHH but they are simply tormenting me. A situation that should have been resolved since I mailed my original modification agreement on time should have been resolved. PHH is stating that my investor is saying my loan can not be modified again. I havent had a chance to get use of this modification because first the closed it prematurely, then in my second attempt to resolve they lost my checks for 2 months. This is inhumane the wringer they are putting the borrower through. Thanks in advance for your help it is appreciated. If theres nothing you can do to help I will be forced to get an attorney to help resolve. Both times I followed directions provided by PHH they sabotaged me.
Best Regards XXXX XXXX
|
| 10/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Ocwen enrolled us in a forbearance type modification program without reason or our with our approval.
In XXXX, our mortgage company ( Indy Mac ) granted us a loan modification. Our interest rate was set at 2 % for the first five years. Before the first five years was up, our loan was transferred to Ocwen Loan Servicing , LLC . We were informed of the changes, and continued with our mortgage payments to Ocwen. As the end of the five years approached we received several letters from Ocwen informing us of our increased payment. Our mortgage interest, as agreed to and signed off with Indy Mac, was to increase to 3.0 % XXXX XXXX, XXXX. Another increase to 4.0 % is scheduled to occur on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the final interest increase would go to 4.75 % and remain there until our mortgage loan was paid in full in XXXX. On or about XXXX XXXX, XXXX, we were contacted by our current mortgage holder, Ocwen, and asked if our interest increase would pose a hardship. They offered to send paper work for us to submit for a HAMP modification. Several days later we received that paperwork. We filled out the forms for a HAMP modification and submitted the completed forms to Ocwen, as requested by them. On XXXX XXXX, XXXX Ocwen prepared and mailed documents to us informing us they had received our " loss mitigation application ''. The documents clearly state, " after careful review of the information we provided, Ocwen is not able to offer a HAMP modification. On XXXX XXXX, XXXX, Ocwen also prepared and sent to us documents indicating that they were offering us an opportunity to enter into a Trial Period Plan for a mortgage modification. Upon receiving these documents, we promptly called Ocwen to ask questions about our concerns regarding their modification agreement terms. We were informed that the modification agreement was an extended payment plan of 40 years at 3.0 % interest. We immediately informed Ocwen that we, under no circumstances, were interested in extending our loan to a 40 year payoff nor participating with their offer. The next day we phoned Ocwen and spoke with a representative. We made it clear that we were not interested in their modification offer, and we would continue with our scheduled payments. We were informed that our denial of acceptance needed to be in writing. We wrote the denial letter and faxed it to Ocwen on XXXX XXXX. We called Ocwen on XXXX XXXX, XXXX to confirm they had received our denial of modification letter. We were told it was received on XXXX XXXX, XXXX. We paid our regularly scheduled XXXX mortgage payment ( interest increased from 2.0 % to 3.0 % ) as laid out in our original loan modification received in XXXX. We recently received our Ocwen mortgage statement for the month of XXXX. This most current statement reads that we have missed our trial modification plan payment, and indicates we are in forbearance. We have never missed or been late on a mortgage payment to Ocwen. The absurdity of Ocwen 's actions are incomprehensible. Please investigate immediately and inform us of the necessary actions we must take to stop this fraud!
|
| 12/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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|
My current loan is through PHH Mortgage. On XX/XX/XXXX 2021 I mailed in a request to begin the biweekly payments starting XX/XX/XXXX 2021. On XX/XX/XXXX 2021 I called XXXX Mortgage to let them know I made a mistake on the dates and would like the biweekly to start XX/XX/XXXX2021 rather then XX/XX/XXXX 2021. They told me not a problem and switched the days for me. Later that evening of XX/XX/XXXX2021 a representative from PHH Mortgage called me to inform me that we could not start on XX/XX/XXXX, 2021 as the second half of the payment wont come in time for XXXX. I told them no problem and asked to start the biweekly on XX/XX/XXXX 2021 which they told me I would have to complete a new form and mail it in. XX/XX/XXXX2021 I was told they would cancel my first request of the biweekly and wait to receive the new paperwork to start it in XXXX. They emailed me the new request form which I completed it and had it mailed out on XX/XX/XXXX 2021.
XX/XX/XXXX 2021 I received a withdraw from my account for half of the mortgage payment. I contacted PHH Mortgage and they told me it came out because I was in the biweekly program. I explained to them that it was suppose to be cancelled on XX/XX/XXXX 2021 when I spoke to the representative. She advised that they did not cancel it which is why the payment came out. I explained to them again if they went back and checked the notes and audio they would hear the conversation of me canceling it. I did not have the funds in my account when they withdrew money and requested not only a refund but for them to pay my insufficient funds fee which they refused. When I spoke with the representative on XX/XX/XXXX 2021 about this situation she confirmed that the biweekly is cancelled and nothing with be with drawn again.
On XX/XX/XXXX 2021 I was looking at my bank statement and saw PHH Mortgage withdrew money again from my account which again made my account go in negative with another insufficient funds fee. I have been on the phone with PHH Mortgage trying to get this fixed and I keep getting the same answers. I have asked to speak to a supervisor which they didnt allow me. I have requested for the refund check to be overnighted because they cant put it back in the bank and its been XXXX days and the check hasnt even been sent out yet according to the representative. They told me the refund would have to be approved. I have expressed that this is their fault and now I dont have money for groceries for my family and all they tell me is that its a process and its being reviewed. Again, today XXXX/XXXX/21 has been XXXX days since I have complained and nothing has been done. They dont call me or try to fix anything. I have told them this was the second time they made me have insufficient funds and it was their fault and they should pay that fee which they refused. This has been a long battle and I dont know where else to go or how to fix this. Not only has this taking a toll on me with stress but it has effected my financial situation and not allowing me to go grocery shopping or get gas. I have a wife and XXXX small children that this also hurting.
|
| 07/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Dispute attachment ; Case No, ; XXXXVerbal communication ; XXXX 's / Ocwen Ombudsman XXXX ( XXXX ) pmDear XXXX XXXX XXXX : This letter comes as an attachment for your assistance and consideration within the processing and researching of unfair labor practices on the part of our Lender, Ocwen Loan Servicing LLC . / Homeward Residential. Recently I spoke with the Ombudsman Department for our lender who assured me that I would receive a follow up conversation from yourself within a 48 hour period via phone contact. With the hopes of your assistance acting on the part of mediation between the XXXX 's and the Ocwen loan servicing ( Home retention ) department, I was instructed to write you with our concerns. The agent whom I spoke with was both very compassionate as well as helpful toward a possible resolution to the resending of the sale of our Home. We discussed my concerns of requesting the recorded phone conversations of which I provided the date of the agreement and proof of phone record lasting a full period of XXXX minutes which precede the date of sale ; This call ( in my opinion ) was proof of an oral agreement made between myself and Ocwen as documented within the complaint dispute. I assured the agent of our sincere understanding that, we did n't believe Ocwen was accountable but Homeward who made the error during " as he stated the enveloping '' between the XXXX companies which resulted in miscommunication and premature sale of our residence. With two days remaining of the fulfilled and agreed upon date of reinstatement monies paid, the agent provided me with a very important fact regarding the phone recorded conversation. The agent stated that the phone conversation my no longer be attainable but the notes made to the account would most certainly be available ( such as the notes he was taking during our present conversation ). This is the information Ocwen servicing personnel should have been researching as proof of a standing agreement. Honestly I never thought of this, and given all of the time wasted and monies paid defending my families interest this was an extremely bittersweet moment. He informed me as well to speak on particular XXXX talking points which are as follows : It was not our intention to allow our Home to undergo foreclosure and certainly without our knowledge ( given we were assured due to the previous sale date not occurring should be sufficient proofs our loan was under review and the agreement being honored ) and strove earnestly to prevent a foreclosure from occurring. The second talking point was as follows : Given the current changes of our annual income, through a corporate merger between our previous company and a Major contracting firm, our balance of our loan is nearly 50 % of our annual income and that perhaps the C.F.P.B could act as a possible mediator toward a mutual and fair resolution to end this matter and we retain ownership of our home. Ocwen Ombudsman Agent stated he would follow up with a call to me should I not hear from yourself after 48 hours as he would be tracking the progress between the C.F.P.B and the XXXX 's.
|
| 06/18/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My name is XXXX XXXX and OCWEN is my current mortgage servicer. My property is XXXX XXXX XXXX. XXXX XXXX, SC XXXX. I purchased my home in XX/XX/XXXX and my servicer previously was GMAC before they filed chapter XXXX bankruptcy. I have had ongoing problems for over 3 years now in the handling of my account. Currently, I am being told that I am behind by over two months on my payments. Over the course of my loan I have had my payments misapplied to principle only and various other issues which at times would make my account delinquent. On many occasions I have had to call and apply extra payments to ensure my account was current to avoid being reported as delinquent on my credit report due to these issues. Their have also been several calls made in which I was told my account was up to date and or caught up over the last 3 years and now I am being told I have not been on time in over 2 years.
Communication has been poor at best with OCWEN. Miscommunication has been amplified due to my XXXX XXXX as I am a service member, making communication challenging. My wife on more then one occasion has told OCWEN and GMAC employees that I have been XXXX in effort to make them aware of the SCRA and has been rebuffed. Even now I am provided pay histories and as I look at it it does n't show when my payments were misapplied and then reapplied which possess a major problem in itself. I am being told I began to fall behind when my ESCROW payments increased but the issues predate that action making it seem like all I am being handed is an excuse to get me to pay with no true effort to find the source of the issues. On top of that the increase in ESCROW would not be when it started as it can also be seen that additional payments were being made to my mortgage to cover that increase.
At this point the negative reporting on my account is potentially impacting my government clearance, which is need for my job. I am also experiencing a negative financial impact, as I can not refinance with negative reporting. We have requested ESCROW statements since XX/XX/XXXX and none have been provided or received and I am aware of the CFBP and XXXX requirements of service. In the end I have received only a partial history again. No real research has gone into the issue either. My account has been mismanaged for many years now and it appears true to the reputation of OCWEN it is continuing.
I have filed these before and most recently the history I was provided did not reflect the many times OCWEN has had to reverse misapplied payments, which brings into question their accounting practices. What also is disturbing is the fact I have had negative reporting while items were in dispute which to my understand is in violation of TILA the Truth in Lending Act and had negative reporting while XXXX which is my understanding is in violation of the SCRA. Most recently I have been requesting copies of my ESCROW analysis and have not received it. I have not received a copy of my escrow analysis in over two years. Now that I am considering modification and have requested the forms I have not received that either.
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| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This started a long time ago when we started struggling financial due to medical situations so we reached out to the mortgage servicer which at the time was GMAC mortgage in which they said they couldn't help us unless we didn't pay our mortgage payment for 3 months so we followed their instructions and applied for a modification in which they started the foreclosure process and we have been in this same fight ever since. After a while GMAC sold the loan to XXXX XXXX and Ocwen became the servicer but this whole time we were trying to work with the servicer to get approved for a modification and looking to resolve the matter. Still with no resolution PHH Mortgage became the servicer in which we submitted modification information several times and the same information and documents several times because the servicer would claim they never received even though there was record of submission of all requested information and documents. There was another sale date set for XX/XX/XXXX but we were in the process of being considered for a loan modification so I called the servicer the morning of the Trustee sale date to confirm the sale was not taking place being we were being considered for a loan modification. Apparently no one was available to speak with me so I said well if I can't get an answer then I am just going to have to go down and file bankruptcy to stop the sale then all of a sudden someone was available. The representative I spoke with was named XXXX and he informed me that the sale was not taking place and the only thing they were missing for the loan modification consideration was a hire date which I had already submitted before so I then asked him to confirm again that the Trustee sale was not taking place that day for our house and he said no it is not taking place and that it is illegal to follow through with the Trustee sale while being considered for a loan modification. Well it turns out they ended up keeping my house in the Trustee sale that day but it didn't sell so it went back to the lender " XXXX XXXX ''. I actually found this out when someone showed up at my house so I immediately called PHH mortgage and they told me no that I must of misunderstood and there was nothing that could be done so I filed a complaint with the details of the situation on a social media site and got a follow up call from XXXX with XXXX XXXX escalations department. She reviewed the complaint and said they would be putting the house back in our name but then a couple days later called me back notifying me that the only way they would put the house back in our name was if we submitted a modification packet and we approved and that we hadn't missed any payments for 12 months. Well when you are in foreclosure the lender doesn't accept monthly payments so basically they had no intention on rectifying the situation and resolving the matter. The house is still not back in our name and there has been no resolution, the house is set to be in a Trustee sale again on XX/XX/XXXX. I feel like XXXX XXXX lies and is very manipulative and will do anything to benefit themselves only.
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| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I contact Ocwen because I received an alert from XXXX XXXX that changes had been made to my credit report. I saw the changes on XXXX XXXX and that Ocwen had included a note and added to the amount I owe them.
The note states that my house was " Affected by natural disaster ''. This is not true and I've told them this on several occasions when they asked me. I spoke with agent # XXXX XXXX XXXX ( a Relationship Manager ) this morning and told him I want this removed. Instead of telling me they'd remove this incorrect information, he proceeded to let me know that it doesn't affect my credit score so no harm has been done. I reiterated that I want it removed immediately. He then starts telling me how Ocwen uses this information and that it doesn't affect me at all. I still told him I want it removed. I'm including a screenshot of what XXXX XXXX shows.
The second item is the increase in my loan amount to {$820000.00}. The actual balance showing on my XX/XX/XXXX statement is {$580000.00} ( {$340000.00} principal ; {$240000.00} deferred ). I'm including a screenshot. I told him repeatedly that Ocwen has added {$240000.00} in error to my balance. I've included a screenshot of this as well. First he told me the amount was correct because I do have a portion of my mortgage that's deferred. He then stated that they've added the deferred portion to my account because I defaulted on my loan less than 3 years after I received my modification in XX/XX/XXXX. To his point, the deferred {$240000.00} should have been forgiven because I have not defaulted since my modification in XX/XX/XXXX. I told him I haven't defaulted and asked for the dates in question so I could have this amount removed as well. He put me on hold several times then came back with a totally different answer. I told him that the deferred amount is not what I'm talking about and that the amounts are different and they've essentially added the same approximate amount twice to my balance. He kept telling me he didn't see it so they didn't do it. I went around and around with him about this and he told me to escalate the situation to get an answer. When I asked for the email address where I could send proof that they reported this in error, he said there's no email address. I'll have to fax or snail mail my information. What! They make it so difficult to handle issues with them and their processes are always so difficult. Their agents are almost never helpful and have difficulty understanding your concern so you repeat the same information. Even escalating issues are difficult and the supervisors and managers are not usually helpful either.
In conclusion, I want the note about my home being part of a natural disaster taken off of my credit report. Additionally, I want the amount they added, {$240000.00}, taken off of my credit report as well because I do not owe it and I want the amount of {$240000.00} deleted from my balance because I have not defaulted within the three years following my loan modification in XX/XX/XXXX. My remaining loan balance should then be approximately {$340000.00}.
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| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Remember me, OCWEN? Complaint # XXXX " Simply put, we were " OCWENed ''. OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did. My bride and I were out of the country when OCWEN sent us certified letters, notifying us of the foreclosure they were pursuing. We never received those letters because of how long they were in our PO Box , consequently those letters were returned ( which is on record ). But we did receive an eviction notice in XXXX, after OCWEN was actually successful with foreclosing on our home. Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us. '' In the last complaint, OCWEN gave a snarky ( CFPB public ) response of ; " XXXX XXXX informed Ocwen that you would not be able to make the increased payments, and the calls resulted with Ocwen providing XXXX XXXX with information as to the process of applying for a loan modification. Ocwen agreed to set up an appointment with a Relationship Manager to further discuss the issue, but I can find no evidence that anyone from Ocwen instructed either of you to default on your loan to qualify for a loan modification. '' Loan Modification? I can find out if I qualify for a loan in 15 minutes.It took OCWEN 2 months to figure out that as a 'loan servicing ' company - OCWEN is not allowed to modify second mortgages??? This part of their strategy to foreclosure.
That was cute, until I actually found video of the phone conversation where OCWEN did in fact tell us NOT to make payments. ( I began recording our interaction because the whole process seemed so shady ) Well, we took OCWEN to court, won, and OCWEN is still not fulfilling the obligation spelled out in settlement agreement, which includes credit restoration.
I am happy share this video with anyone interested, and how we beat OCWEN in court.However, just because we won in court, doesn't mean that OCWEN will adhere the settlement agreements.We live in Alaska, OCWEN is based in Florida - apparently they don't feel obligated to rules and the judgement agreed upon in Alaska.This case was settled on XX/XX/XXXX, and OCWEN still has done nothing to repair our credit with the reporting agencies - and this was agreed upon as terms of the settlement.They kicked this can down the road for 4+ years and are still dragging their feet.There have been talks back and forth with lawyers, but absolutely zero results.This is not rocket surgery - it should take no more than two days to speak with the 4 major credit reporting agencies and remove the default ( that OCWEN strategically placed while we going through loan modification, ensuring that we could not refinance with any other institution. ).
These evil people are ruining hard working families, and doing so with no remorse and what appears to be no consequences for their illegal activity.
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| 04/13/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I applied for a loan modification with a Ocwen Loan servicing in XXXX XXXX. My home had sale date set for XXXX XXXX XXXX while in the modification process. Which was finally postponed. I had a new sale date set for XXXX XXXX XXXX. Then on XXXX XXXX XXXX I received a modification which I was to review. The sale dates are totally a violation of my CALIFORNIA HOMEOWNER BILL OF RIGHTS. When the XXXX XXXX XXXX sale date was finally postponed a new sale date for XXXX XXXX XXXX was set. VIOLATION VIOLATION VIOLATION! Ocwen is still breaking the law of California while under investigation. The CALIFORNIA FINANCIAL PROTECTION BUREAU. The CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT. Why does this keep happening to me and other people of California and the country. Ocwen has been fined by the state which means nothing. Because Ocwen seems to be above the law. What is going to be done for me the home owner for violations of California law. The attempts to foreclose on my home illegally. The law is suppose to protect me and other people of the state of California. The facts are true that Ocwen has violated the law many time in California and around the country. HOME OWNER BILL OF RIGHTS OF CALIFORNIA. CALIFORNIA STATE SUPREME COURT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WRONGFUL FORECLOSURE and cases prior to foreclosure. All the FRAUD from ROBO SIGNING to PHOTOSHOPPING to VOID FORECLOSURE SALE DATE NOTICES. Also PREDATORY LENDIND AND SUB PRIME LOANS and MORTGAGE BACK SECURITIES. My loan is a PREDATORY SUB PRIME LOAN. But the same FRAUD still going on today. STOP this now. GREED GREED GREED! Call it like actually is. I am not making this up. This kind of behavior has to me over and over again. I have health conditions be of what I am going through Ocwen. My so called modification I sent to me consist of a payment of XXXX. Which takes up 53 % of my net income. This is totally absurd. My monthly debt is around XXXX dollars a month. Ocwen has listed my net income at XXXX. Which I do n't know how Ocwen came up with that amount. My loan amount that Ocwen states that I owe is XXXX. My house value of today is only XXXX tops. By XXXX I would pay Ocwen XXXX plus a balloon payment of XXXX due XXXX. A total of XXXX in a total of 18 years. Totally RIDICULOUS amount. This not helping me with my payments or my loan amount. It is only in the best interests of Ocwen and XXXX XXXX. Let me make myself clear. It does not cost Ocwen and XXXX XXXX a dime to give me a modification I can actually afford. The government through the taxpayers have paid for it. The stimulus package back in XXXX and up until now. I did not get the bailout nor did the rest of the people of California and the country. The banks like XXXX XXXX and the rest of them. They get paid by the insurance companies like XXXX OR THE FEDERAL RESERVE when a house goes into foreclosure process. So when the servicing companies and banks foreclose on someone. What ever they get on the foreclosed property is all profit. Millions of WRONGFUL FORECLOSURES across the country.
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| 02/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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on XXXX XXXX, XXXX, I was approached by my cousin, she told me that she needed me to help her, she said she needed me to go on title for six months, after she pay the mortgage on time for six months, my name would drop off title, we had to prove that we were related, and they did what they called a quick claim, after that they started the same process that they had did with me the night before, and I asked her if this is the same thing that we did the night before, because I do not want to by your house, I just bought my house last night, she took out {$8000.00} that night, had 90 days to pay the first mortgage, was late, they were late for 47 months, did pay for 24 months and paid on 3 months because her God father pay it with his credit card, she use my name ssn # birthdate address to setup an account with the mortgage company, I could not go online to check the accounts, both my mortgage and hers were held by the same mortgage company, she called the mortgage company and had the mortgage statement sent to her house, I had to go there to get my statement, XXXX XXXX, XXXX I XXXX, had a total of XXXX XXXX, spent many months in the hospital and XXXX, while I recovering, she was in constant contact with the mortgage company, keeping them for foreclosing on the house, all the this time they were using my ssn #. All this time I am thinking everything is getting paid, because I was not receiving calls from the mortgage company, that is because she had rerouted all communication to her phone and house, XX/XX/XXXX, I was served a judgement through my nephew at my Mother 's house for {$350000.00}, that is when I first discovered that was trouble, I later found out that the judgement was served at her house, she never informed me, by the time I was served, they had already defaulted on the judgement, so I started looking into what was happening, she had done so much damage, that it was hard for me to deal with the mortgage company. I found out that she did a quick claim and sold it to me the same night, so I had to evict her, because she would not leave, made spend money on attorney, sheriff, and court cost, I ask to do a deed in lieu of forecloser, they agreed, and when they called to inspect the house she denied them access to the house, so the mortgage pulled plug on that. I was given a relationship manager, she gave me a lot of information, mainly after, I was released from deed in lieu, and why, I found out that there was a lean on the property, that was placed on the property XX/XX/XXXX, so they could not take the property back because of that, that is why she did the quick claim, to hide the lean, so she can sale me the property, I hire XXXX Attorneys, XXXX took my money, and did nothing, would not answer or return my 74 calls, and the other XXXX has not done anything. I am XXXX XXXX, I have gone to the police department, to press charges for identity theft, but her mother is the XXXX, and they called a civil case and would not investigate, I also went to the Postal Inspector, for mail theft, and changing address on my mail, still waiting to hear from them
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| 11/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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I was recently informed by my loan servicer, OCWEN Loan Servicing LLC, that my monthly mortgage payment was increasing from {$2300.00} to {$2600.00}. Having known that my property taxes and insurance was not increasing, I was very surprised to hear this. I have been told, by OCWEN, that the significant increase resulted from a recent escrow analysis they performed during the summer. After further investigation of my escrow account history, I discovered a mysterious charge to my escrow account in XX/XX/XXXX. On XX/XX/XXXX, OCWEN reduced my escrow balance by {$2800.00} - for no apparent reason. Further, my suspense account balance was also reduced by {$3700.00} within the same line item ( despite the suspense balance application column being null ). This transaction is described as " escrow account adjustment '' in the account history. Notably, this transaction is alternatively described as " New Loan Setup Balances '' in a legal document OCWEN filed with the trustee of my Chapter XXXX plan. OCWEN representatives have suggested the account adjustment occurred as a result of " acquiring the loan. '' However, I have had OCWEN since at least XX/XX/XXXX. I filed for Chapter XXXX in XX/XX/XXXX. At that time, they filed a claim with the court which suggested my escrow account contained a surplus. In XX/XX/XXXX, OCWEN again reported to the court that my escrow account had a surplus but needed to increase my monthly payment to {$2300.00}. So, after pointing out to an OCWEN representative that they did not " acquire '' my loan in XX/XX/XXXX, they clarified that the loan was actually migrated from a different system within OCWEN called Rescap. As a result, they do not seem to have any of my account history prior to XX/XX/XXXX. Even worse, the account history available via their website ( which I am attaching ), raises additional concerns and questions. I am very concerned with their accounting. I have already suffered financially as a result of their inability to properly account. In XX/XX/XXXX, OCWEN failed to properly account for my payment. As a result, they filed an erroneous claim with the bankruptcy court suggesting I failed to make my monthly payment, and requesting that my plan be dismissed. While it was proven that I did in fact make the payment, it is my understanding that they have attempted to add the related legal fees from this filing to their claim with the court.
I need a resolution to this escrow account situation. I have made my monthly payment on time throughout this process. Considering the immaterial changes to my property taxes, there is no justifiable reason to increase my monthly payment by such a large amount. OCWEN needs to provide a proper explanation and accounting for the erroneous adjustments they made to my escrow and suspense accounts on XX/XX/XXXX. Further, there are multiple transactions in my account history that need further explanations of all fees applied to my account and a correction of all inaccuracies. Please know that I have done my research on this issue and confident that these account adjustments are not justified.
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| 03/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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CFPB Consumer Financial Protection Bureau, In XX/XX/XXXX, I was laid off from my job and this created a bad financial situation with my family 's finances. So we started to be late on our mortgage. So at that time till recently I have been trying to settle with my mortgage about a loan modification. My original company Ocwen Mortgage company. During my modification time period, Ocwen sold or our note to the PHH Mortgage company. But now XXXX is my mortgage provider under PHH. This has created a lot of confusion in the loan modification process. I have received conflicting letters of the same date but with different content. One stating that my loan modification can not be reviewed and the other letter asking for more documents to further the review. All dated the same. And then a certified letter stating a foreclosure date has been set. So I have been in many discussions with PHH Mortgage and there assigned mortgage assistance managers. It sounds like a call center in XXXX. Anyways since my loan mod has been so mismanaged I have complained to my mortgage company and they have stopped the foreclosure date 4 times since this has happened.
On XX/XX/XXXX - I turned in a Brand new Loan Modification Application with an updated financial statement to my mortgage company. Since my job loss, I went through a personal bankruptcy with Chapter XXXX. This left me with no unsecured debt. And with this new financial application, I was able to prove that my small business which I started in XX/XX/XXXX is profitable and showed PHH with my P & L statements to show that I was bringing in {$4500.00} a month personally from my business. And also showed them my personal deposits. The P & L statement showed I was {$47000.00} in the Black with my business.
On XX/XX/XXXX - Mr. XXXX XXXX - My assigned account manager - told me that my P & L was not satisfactory for the underwriters. So he told me what the format was on how to prepare the P & L. I was confused by this because it showed too many expenses and that was different from my P & L in terms of profitability.
On XX/XX/XXXX - I called Mr. XXXX to call me back no return call. On XX/XX/XXXX - I called Mr. XXXX to call me back On XX/XX/XXXX - Letter from XXXX XXXX - that my documents will be reviewed On XXXX Letter From XXXX XXXX - Document due date XX/XX/XXXX - please submit most recent bank statement self-employed income On XX/XX/XXXX - Letter from XXXX XXXX - Stating my mortgage application was received and next steps On XXXX Letter from XXXX and XXXX - about foreclosure date set on the house XX/XX/XXXX Please CFPB Rep, help me with this loan modification, please. My original company Ocwen sold this note 2 times and it seems that my loan modification application is not getting the attention that it needs. And so many different companies working on this it seems that one company is foreclosing it and the other company is trying to process a loan modification application.
I have many more details and have this all documented. With emails, letters, and conversation noted by date.
Sincerely yours, XXXX XXXX XXXX
|
| 02/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
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Web |
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Property : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease.
Under both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction.
I subsequently hired a XXXX, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a " Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired.
Knowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX XXXX only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a XXXX XXXX dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments.
XXXX XXXX presented their " Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XXXX for failing to honor PTFA law, XXXX XXXX responded it was " not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX XXXX name on their ( now dismissed ) eviction lawsuit against me.
Meanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their PMK testified that is the " Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX XXXX job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX is just thumbing their nose at the law.
|
| 04/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
|
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Dear CFPB representative, I paid my mortgage on time as well as my own taxes and insurance without the need for an escrow account per my Mortgage and Note but wound up defending myself against foreclosure threatened by Ocwen Loan Servicing for a mistake that Ocwen made that was reflective of Ocwen 's inability to effectively and lawfully service my mortgage. All of the documentation is attached both from my end as well as Ocwen 's response to the apparent escrow fraud that was and still is occurring.
In XXXX 2014, Ocwen accidentally paid approximately {$70000.00} to my county for my property taxes that had already been paid on time by me as evidenced by the attached, which was clearly a mistake and any Ocwen representative should have recognized that huge amount immediately charged against XXXX person 's mortgage account. Nonetheless, Ocwen DID NOT recognize it but rather opened an escrow account for my loan due to erroneous delinquent taxes ; Ocwen paid the taxes for every apartment in my building but only from my sole mortgage account.
This seemed absurd so I called Ocwen to report the mistake, which Ocwen finally acknowledged in writing ( see attached ) but then repeated their erroneous actions over and over, again and again - believe it or not - until I had to hire outside assistance to help me rectify the issue because Ocwen was now threatening me with foreclosure. Really? How could Ocwen threaten foreclosure on me when all payments were paid on time and the mistakes made were all Ocwen 's by their own admission ... this was crazy!
The assistance that I hired - and would like for Ocwen to reimburse me for since they refused to correct their mistake for 10 months and counting without the help - was able to get Ocwen to once again close the escrow account in the past 30 days but Ocwen still held out over {$200.00} in payments in an " escrow suspense '' account for no reason other than for fraudulent reasons since I do not and have never had an escrow account.
I have spent almost a year trying to fix Ocwen 's mistake and I would like Ocwen to be held accountable for the unfair and abusive mortgage servicing practices ( threatening foreclosure for their mistake then not correcting it for almost a year ). Also, I would like to be reimbursed for all expenses and fees paid by me to correct Ocwen 's mistake to include the hired help and other associated fees since Ocwen makes me pay their fees for their fraudulent and erroneous actions ; in fact, I 'd like any and all fees associated with their mistakes for the past year to be reimbursed and reconciled in my favor.
It is inexcusable that I would have to defend my home from Ocwen 's threat of foreclosure when I have remained XXXX in compliance with my Mortgage and Note ; their actions are fraudulent, unfair, abusive, violating and most of all egregious and abhorrent. Ocwen should be made to pay for the stress they have caused me too.
Thank you in advance for your time and help with this matter and please see the attached that validates all of the aforementioned.
Sincerely, XXXX XXXX
|
| 05/11/2020 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
|
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Web |
Older American, Servicemember |
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I obtained a reverse mortgage which was transferred to PHH Mortgage of XXXX, MI.for servicing in XXXX of XXXX. A set aside account was set up to pay my property taxes and insurance on my property. XXXX of XXXX, I was notified by my loan officer that my taxes had not been paid for XXXX or XXXX and after checking with my local tax office, I found that not only were the taxes not paid but had incurred late fees for both years. I instantly contacted PHH Mortgage and when I informed them that I have a set aside and asked why my taxes were not paid, was told that I was responsible to call them every month to make sure this was taking care of. I thought that this was ridiculous and asked to speak to a supervisor and then was told that the associate would need to email her supervisor to start an investigation on this issue. I hung up and called right back and was told by another associate that my taxes weren't paid because PHH never received a bill. I understood oversites and human errors and even though this was their job, I contacted my local property tax office and was told that PHH would need to request that the bill be sent to them so I contacted PHH again and was told that they don't do that and the tax bill was my responsibility. Needless to say, by this time, I was livid and worried that my home was going to have a lean against it and really not knowing what to do, on top of that, I was informed by my insurance company that my homeowners insurance had not been paid either. At this point, I had no idea what this mortgage company was doing with the money set a side to take care of all this. After contacting PHH again and again, after almost two weeks, I finally talked to someone who took the time to look deeper into everything and who informed that they would be sending me a check twice yearly in the amount of {$440.00} that would go toward the payment of my taxes and insurance. I could not believe what I was hearing. ( I received a check in XXXX of XXXX and called about it, I was told that this was a refund check because my taxes before the reverse were already paid ).
Apparently since the set aside was not fully funded, undenounced to me, this is a standard procedure and practice of which I was never informed. So in essence, my taxes and insurance are my responsibility My biggest concern in all this is why I was not informed of any of this. I entered into this thinking that my taxes and insurance would be taken care of and not to be made to feel like I had been taken advantage of. When I asked them if this was the way your company treats seniors on fixed incomes who are looking for a better way of life? All they said was sorry and could do nothing for me. I am XXXX years old, a XXXX senior and have owned several homes with conventional mortgages over a period of 20 years and have never ever been late on anything. I feel that it is their duty to practice truthful lending practices and to do no harm to unsuspecting seniors. If it were anyway possible, I would discontinue my dealings with PHH and go with a reputable reverse mortgage company.
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| 04/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint is regarding the failure to reimburse escrow and overpayment, as well as final mortgage payment following payoff of mortgage loan as a result of refinancing Three primary complaints are as follows : 1. Payoff wire was made and confirmed on XX/XX/XXXX in accordance with XXXX Payoff Statement instructions received on XX/XX/XXXX. Wire was rejected due to unknown internal change at XXXX with new payoff instructions ( apparently they are the service provider for PHH Mortgage Services ). The title company was told they were rejecting the wire and they would not do an internal transfer to satisfy the loan. Wire was resubmitted according to new instructions on XX/XX/XXXX and loan was recorded as paid in full on XX/XX/XXXX. Increase in payoff amnt due to the delay in the amount of {$230.00} ; I expect reimbursement of this amount.
2. As of XX/XX/XXXX reimbursement for escrow account has not been received. I have contacted XXXX XXXX customer support no less than 4 times to confirm dollar amounts, processing, and shipment of the checks. Dates included XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every time I have contacted them they have indicated that they would send emails to the escrow account and get it taken care of. On XX/XX/XXXX, and again on XX/XX/XXXX I was told that the check had been sent on XX/XX/XXXX, and I would receive it at our mailing address in 7-10 business days. As of XX/XX/XXXX I have still not received the check. In a call with XXXX XXXX on XX/XX/XXXX the customer support manager indicated he would send another email to find out why the check was taking so long, and he indicated to me that it would take 1-2 additional business days to get an answer from them. Additionally, the amnt due to me was not clearly articulated to me, and was inconsistent across the various calls with XXXX XXXX. I expect reimbursement of the addition interest owed me for the time XXXX XXXX has held my money. I also expect a clear, documented verification of the amnt paid, amnt due, and amnt to be reimbursed that I can verify with my records of all transctions.
3. An automatic loan payment for the month of XXXX in the amount of {$3700.00} was withdrawn from my personal checking account to XXXX on XX/XX/XXXX. I spoke with XXXX XXXX about this on each call, and had responses that first indicated a separate check would be mailed, but in the call on XX/XX/XXXX the XXXX customer support person indicated there was no record of a check being distributed. After working through the numbers, the individual did understand and acknowledge that an additional {$3700.00} was due to me for the XXXX payment, and that she would follow up with an email to a different department and they would investigate and follow up with me. As of XX/XX/XXXX I had not received any communication with XXXX, and when I called them the individual I spoke with did not confirm that a check for the XXXX payment had been distributed. I expect a full refund of the XXXX payment in the amnt of {$3700.00}, consistent with payoff being made according to complaint 1 on XX/XX/XXXX
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| 05/25/2021 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Servicemember |
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XX/XX/2020 XXXX XXXX XXXX signed paperwork for a reverse mortgage through PHH Mortgage Corporation. She received {$10000.00} on XX/XX/2020.
XX/XX/XXXX, her body was found and she was deceased.
I was unaware of a reverse mortgage, Residing, in another state so I was contacted by the coroners office to claim her belongings. upon arriving two days later, I sticker was placed on the front door just under the coroners sticker, stating the locks would be changed and no one could rent or purchase the home. contacted the number of the collection company for further details. Since I had no knowledge of this, I was unable to obtain information.
Off the bat I was asked what I did with the money, the search of her records began.
the prior week had been 116 degrees. Mom 's Air conditioning unit had leaked Freon, hence, her XXXX XXXX XXXX XXXX.
A list was given to fill out to receive more information, Death certificate, fill out a letter of intent. There was no certificate at that time, I was not going to sign anything, considering we were in the middle of a pandemic and my state had shelter in place orders.
They were notified of an impending probate, so they let me know that I bought myself some time. Probate was released XX/XX/2020. An emeil was sent to request a payoff for this second account for a reverse mortgage, was not aware of the first one taken out as well. In my search of her records, Bank accounts were located, she did not touch the money she was going to use to payoff her brand new air conditioning unit with the money she received. Not knowing what I am looking at when the reply arrives, I hit the floor ... at that time it was XXXX.. since then they have tacked on fees and surcharges for someone to check on the property each month and it has grown.
her first reverse mortgage was paid off XX/XX/2020.
I have absolutely no knowledge of how this works so, it did surprise me that the month of XXXX she had two open at the same time.
I did receive an annual statement and that stated that the balance owed was {$45000.00} payable within 10 days ...
If she only took {$10000.00}, only had the loan for two months and I would love to return what she drew on and have them release her home from a lien and me moving forward from this catastrophe. I have no source of income, my husband was XXXX XXXX as a XXXX in the XXXX XXXX XXXX XXXX, I was employed by him as the XXXX XXXX. That tanked two years ago. We are truly struggling, all I could do is reach out, to a third party since they require a letter of intent be signed.
Please look into this matter, I am petrified of losing her home as well as mine. I was hoping to rent it out for some income, the stickers that are placed on the property are a very good deterrent. Also, I would like to add, there information was given to my counselors handling the probate which started in XXXX of XXXX No response, I would think that information would be submitted instead of being placed on the property. My address was given, phone number. Not sure how long this will continue if no other agency steps in.
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| 09/16/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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PHH Mortgage Corporation d/b/a PHH Mortgage Services ( " PHH '' ) by and through XXXX XXXX XXXX ( " Attorneys DM '' ) and the latter 's employee XXXX XXXX ( " Attorney XXXX '' ) caused a false response to be forwarded to the Consumer Financial Protection Bureau ( " CFPB '' ) by use of wires in violation of 18 U.S.C. section 1343 that is enclosed hereto as Exhibit A, by falsely stating that I defaulted upon the subject mortgage loan as of XX/XX/XXXX, contradicts the XX/XX/XXXX date of default declared under penalty of perjury by PHH 's predecessor Litton Loan Servicing LP ( " XXXX '' ) to the Superior Court of New Jersey by foreclosure debt collection complaint filed JXX/XX/XXXX under Docket No. : XXXX, a true and correct copy of which is enclosed hereto as Exhibit B.
Within the XX/XX/XXXX response to the CFPB enclosed hereto as Exhibit A, PHH by and through Attorneys DM and Attorney XXXX are concealing approximately {$21000.00} in monthly payments that I made towards the subject account from XX/XX/XXXX through XX/XX/XXXX, of which approximately {$16000.00} was cashed by PHH 's predecessor and / or affiliate Litton Loan Servicing LP ( " XXXX '' ) and never credited towards the subject account. I hereby ( submit ) again to the CFPB as Exhibit C checks totaling {$15000.00} that I made, PHHs predecessor XXXX cashed and failed to credit my account for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; and XX/XX/XXXX. I further submit ( again ) to the CFPB as Exhibit D checks totaling {$5100.00} that I made, PHHs predecessor XXXX received and rejected without good cause for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.
I further object to and reject the false statement made within the response electronically submitted to the CFPB by PHH through Attorneys DM and Attorney XXXX, that PHH has provided me with all the information that I have been requesting since XX/XX/XXXX to present date by way of debt validation letters, qualified written request, and presentation of transferable record pursuant to applicable federal laws, for which they have responded with : ( 1 ) incomplete responses ; ( 2 ) no responses at all ; and / or ( 3 ) contradictory and / or forged evidence.
Essentially, PHH as the successor of XXXX has stolen at least {$15000.00} from upon taking and cashing the payments that I made to XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX without crediting the subject account. Attorneys DM and Attorney XXXX are, essentially, aiding and abetting said theft of my monies and attempted theft of my property by PHH as the success of XXXX upon falsely stating to the CFPB onXX/XX/XXXX that I defaulted as of XX/XX/XXXX ( See Exhibit A ) when the evidence that I have enclosed hereto as Exhibit B ; Exhibit C ; and Exhibit D demonstrates otherwise.
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| 09/15/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I took out my making home affordable loan with Ocwen loan servicing in XXXX. I made payments for about a year ..although when I applied even though I did a XXXX work sheet .there were no expenses listed but my car payment and car insurance. My income has never changed as I am XXXX and recieved an XXXX check and had lodger who paid. When I was granted the loan my payment never deceased it was the same..but the interest rate dropped to around 3 percent from 6 but they added like 10 years onto my mortgage bringing the loan back to 30 years..this was not helpful but I went threw with it as I was behind in payments .and was not offered the Emap loan which would have been better suited at the start when my credit wasn't that bad as I had like XXXX XXXX equity in the house.thst loan didn't work so another was applied for in XXXX and granted. But again the mortgage amount was not reduced so it defaulted..the case has been on the court docket there was I fact XXXX surplus from the sale. My equity which was applied for then all sorts of excuses not to pay were given like. You don't get your equity in a foreclosure..to extra HUD loans not on the town hall ..which apppear with false signature of mine then signature taken away when confronting the bank who had the signature for a completely different complaint about a company I lodged with them ..then the town clerk agreed .no HUD loan then after that it appears on the town land records..the house still has not been given a release of lien from the Ocwen loan servicing LLC ... although the there is an unofficial record of sale . The bank paid the superior court the amount due. All taxes and insurance are paid in the mortgage payment. The deposit check is in the correct amount for fair market value. It's been a complete cat and mouse game with this loan company and there fraudulent practices by not making my home affordable..granting the loan twice... tacking on false HUD loans not agreed apon. Serving a notice to quit. Coming by and sending the winterization man to look at the house take pictures of the mailbox and outside of the house .then I leave the electric on too .and then they claim they could not get the fair market Value as the pipes froze..which I told the committee would happen if he did not take my keys which were given but the changed the locks anyway..and i have a huge electric bill too as without knowing if they had done their job..I had to keep the electric on..so there was no damage as they claim..they owe me the appraised value as they put me in a position by awarding the loan that wasn't the government required 33 percentile debt to income ..which never made the loan affordable..even though I worked with the court mediation program the first time .it was not going to be affordable. As I had food ..electric ..oil... gas... medical all these expenses not taken into consideration .now they refuse to give me my equity ..it 's a complete con company..Im XXXX years old living on the streets for the past 3 years of battling with the company to pay me the equity which is due and fair.
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| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I divorced XXXX XXXX in XXXX and in the Divorce Decree it listed a property at XXXX XXXX XXXX , XXXX XXXX TX XXXX as her having sole possession and me giving up all rights. I have not received any bills, letters, or notices about this property in the last 9 years as XXXX XXXX was awarded the property. XXXX XXXX past in XXXX of XXXX. I did not find out until I visited with a mortgage lender about getting a loan to purchase a home for myself. That's when I found out that the the property on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX serviced by PHH Mortgage listed my name as the primary borrower and the XXXX XXXX never refinanced the property as required by law.
I have contacted PHH mortgage to see if the house can be removed from my credit report as I no longer owned the rights to the property. PHH mortgage advised me that due to me being the primary borrower they could not remove me per the mortgage agreement and that they do not honor divorce decrees.They did mention that if I want the late payment reporting to stop I could refinance the property and they would move all overdue payments to the back end of the loan. I told them this is not an option as I have no rights to the property which also keeps me from selling the property. I also asked them why they did not notify me that the account was derogatory and that they were reporting as such on my credit report. Federal Law requires them to contact me before reporting negative information. They did not notify me nor did they give me an answer as to why they never sent me any information, documentation or notify me the last 9 years.
Since XXXX XXXX 's passing in XXXX, her daughter XXXX XXXX XXXX and her husband have been living at the property and have not made any payments since XXXX XXXX passing. The daughter, XXXX XXXX XXXX has been attempting to refinance the property into her name and did a loan modification in XXXX since her mother XXXX XXXX willed it to her without my knowledge of any of it until recently as I was attempting to secure my own mortgage.
I have sent PHH three letters explaining this to them and asking them to remove the account from my credit report since I have no legal rights to the property. PHH only responded one time, under a different mortgage companies name of " XXXX '' with a computer generated form letter that did not address the issue. I asked for documents pertaining to the loan and they will not send them. I then hired XXXX XXXX, Attorney at Law who sent a letter of intent which PHH never responded to. I then contacted the XXXX XXXX courthouse to see if the order of the property awarded to XXXX XXXX can be reversed but they can not change the decree since she is passed away.
Now, PHH Mortgage is ignoring our letters, and requests for documentation, or helping us find a solution to this issue. They are still reporting this mortgage that I have no rights to on my credit report. The property is about to foreclose because they will not work with the owner and occupant of the house, XXXX XXXX who wants to finance the house in her name and make payments.
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| 01/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My Name is XXXX XXXX, i paid my loan mortgage on XX/XX/XXXX to Ocwen Loan Services, LLc., then on XX/XX/XXXX i received a letter in which they congratulating me for paying the loan, and they said that within 6 Months Ocwen will send the lien release document to the county courthouse in which the property resides. then i trust them and went along with Ocwen promise, then on XX/XX/XXXX, i try to get reverse mortgage to supplement my income i found out that Ocwen never file the lien release, i have been sending many letter to tree different departments, the last department, " title search department '' send me a letter saying that Ocwen hire a third party company to investigate this matter, so fare up to today Ocwen has not file any document to release the lien.
After i start investigating turn out that Ocwen does not have any document from the original lender XXXX XXXX XXXX XXXX XXXX XXXX, that empower or hire Ocwen to be the loans servicer nor the collector for my loan, Ocwen claim that it was the responsibility of XXXX XXXX XXXX XXXX to file the loan Assignment, but Ocwen not even have any document from XXXX XXXX XXXX XXXX entitle them to be the loan servicer or collector no my loan, and i know this for a fact, because i have been asking Ocwen to send me a copy of any documentation they have in which XXXX XXXX XXXX XXXX empower Ocwen to service my loans, their response is that XXXX XXXX XXXX XXXX never send them the loan assignment, and as fare as they concern it was XXXX XXXX XXXX XXXX to send them the loan Assignment, after i heard this poor scuse, i wrote Ocwen telling them that they should never service nor collect any money from me until they have all the documentation in order, because since they do not have any document authorizing them to service the loan, that was false representation, and they were breaking the federal law " Predatory Lending Law '', and the '' California Assignment and Satisfaction of Mortgage Law '' after I pointed these to laws to Ocwen, their repay was that Ocwen hire a third party to look and resolve my problem, so far nothing has happened.
Also i did more research and i found out that XXXX XXXX XXXX XXXX is not longer in business, on XX/XX/XXXX XXXX XXXX XXXX XXXX declare chapter XXXX bankruptcy, and they were acquired by XXXX XXXX XXXX XXXX XXXX, and it was signed off by Judge XXXX XXXX of the US Bankruptcy, central district of XXXX XXXX California, even more, XXXX XXXX XXXX XXXX XXXX they do not keep companies, they buy them and they sell them piece by piece to different Investors, and of course the investors or the new company that acquire the division of real estate loans from XXXX XXXX XXXX XXXX, they probably do not have any records authorizing Ocwen to be the loans servicer or the collector for my loan.
My loan is pay in Full since XX/XX/XXXX, but according to the county to the XXXX county there is no liens satisfaction recorded ( i still owe the all the money ), your help will be appreciated.
Thank you XXXX XXXX XXXX XXXX : XXXX XXXX XXXX.
XXXX XXXX, CA. XXXX email : XXXXXXXXXXXX
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| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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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.
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| 06/15/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Hello! In XX/XX/XXXX, I applied for a loan modification at the encouragement of Ocwen to assist with lowering my mortgage payment. I was told I would have to do a trial period from XX/XX/XXXX to XX/XX/XXXX, which I completed successfully. After this, I was told I would received permanent loan modification. It took 3 months for Ocwen to send me the new terms and conditions of the loan, which had to be notarized. I completed the paperwork and sent it back. 2 months later (in XX/XX/XXXX), I received a phone call indicating that the paperwork was rejected due to the co-borrower not signing (my ex husband). I was very upset by this because my ex husband and I have been divorced XX/XX/XXXX. He signed a quit claim deed back over to me and I sent that, along with my divorce decree to Ocwen the year we divorced. I think the mortgage company was GMAC at the time. Regardless, I resent the quit claim deed and Ocwen was able to find my divorce decree. At this time, I contacted the Ombudsman through Ocwen. They offered to have a notary come to me to resign the paperwork. The notary came to my work and I completed the paperwork and then received a call a few days later that it had been rejected due to not signing correctly. I was told that I needed to sign the paperwork with my married name, and then aka with my current last name, as it appeared on my quit claim deed. The notary who came out initially was given the wrong direction and while meeting with me, called for clarification. When this was rejected, I received another call from Ocwen and they sent another notary out to my home. This was on XX/XX/XXXX. While there, she wanted me to sign the paperwork with my legal name and no aka. I told her no, that was wrong, but she didn't have any further instruction. After she left my house, I received a phone call from the title company who sent her and I let them know what happened and they called the notary back to my house and I signed the paperwork the way I was supposed to. 3 weeks later, I receive a phone call from Ocwen, and they tell me that the paperwork was rejected, as of XX/XX/XXXX, and I need to have the co-borrower sign! They are referring to my ex husband and here we are back to square one. I am going in circles with them. I almost had XXXX on the phone with them and immediately called the Ombudsman again. I am waiting for a call back now. I am so frustrated because this has affected my credit score, as Ocwen is reported my account to be delinquent, as this has not been updated to the credit bureaus. I have a 592 credit score because of them and there is absolutely nothing I can do, which is why I am reaching out to you. If there is anything you can do to expedite this and to right the wrong they have done with my credit score, I would appreciate it. I am a hard working person, I don't qualify nor want any state aid. I have a good job. I just fell behind due to my divorce. This modification is taking 9 months now. This is so unfair. I couldn't even get a loan or refinance if I wanted to. Please help.
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| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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O ur Loan wa s transferred t o OCWEN several years ago for serving, and since that time, we have encountered numerous issues and concerns. Most recently, we have been current in our payments for 24 months, and our XXXX XXXX , XXXX statement came as quite an unpleasant shock. The statement demanded our regular monthly paymen t ( {$4700.00} ) plus an additional {$12000.00} for a n item simply referred to as a " short payment. '' We have consistently paid the amounts as demanded in each monthly statement, and this charge was certainly unexpected. We relied on the amounts as stated in the previous invoices as we recently decided to put our home on the market in the upcoming months. I calle d OCWEN immediately upon my receipt of the XXXX statement, and was told that the charge was a result of a miscalculation on their part that allegedly began several years ago and just came to light recently. I requested a full amortization of the loan amount to substantiate this added charge, and was provide a form letter that basically stated that they reviewed our file and the charge is, in fact, " valid ''. I was advised that severa l XXXX home owners would be receiving similar letters as they just discovered this massive miscalculation. I am not in any position to pay {$17000.00} by XXXX XXXX , XXXX , as demanded on the statement. When I spoke to the OCWEN about this, they mentioned that I could pay this off at any time. I have no idea why I am being charged this amount, have been given no support, other than their calculation was made in error. I relied on their figures, and planned on putting the home on the market, but now that they claim I owe additional funds, I am unable to do this. I feel I am entitled not only to have this charge removed from my account immediately, but am also entitled to punitive damages for infliction of emotional distress. For back ground, in XXXX , we were experiencing financial difficulty due to medical issues with our son. We applied for a modification of the loan, and were not only denied without full explan ation, OCWEN then demanded we pay the taxes and insurance in escrow, increasing our monthly bill by nearly {$2000.00}, within XXXX 30 day period. Thereafter, we were charged excessive fees for property inspections which they claimed took place up to 3 times a week, sometimes twice in a day. ( they said they were drive b ys to ensure we still resided in the home ) I made a complaint, and these were eventually removed, but the modification denial was never explained. We have now been current on this loan for at least 24 months. Ocwen in sists we owe this additional amount, and refuses to provide support or justification beyond their assertion that the amount is " VALID. I am now prohibited from selling my home because the buyer would not be able to obtain a release of mortgage unless I pay the amount they are demanding. This is unfair, and I 'm hoping you are able to look in to it, especially as it appears it will be effecting many many more homeowners.
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| 12/22/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Dear Consumer Financial Protection Bureau My property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is mortgaged by Ocwen Financial Corporation XXXX ( headquarter office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ).
I have been with Ocwen for around 7 years or so and I have had insurance via XXXX XXXX for the entire time I have owned the property.
For the past 2 years, they have been doing the following things : 1. Calling me at least 2 x per day 2. Sending me letters saying, 'You have received this letter because you have not paid your bill. If you have paid your bill by the time you receive this letter, then disregard this letter ' 3. Sending me packets of XXXX page booklets saying, 'You are going to go into foreclosure. For help, fill out these forms and call us at Ocwen to assist ' They have charged me for insurance without even telling me about it, messing with my Escrow. When I realized this, I fought with them and had to get XXXX XXXX on a conference call with Ocwen again.
In the meantime, when I call them back ( it takes 45 minutes + of wait time ) to get on the phone with them, then they tell me different stories : Story 1 : you need to pay insurance Story 2 : you owe us {$400.00} ( but they wo n't say for what ) Story 3 : your payment went up XXXX dollars per month since XX/XX/XXXX ( but they wo n't say for what- I think it is for insurance by piecing the phone call responses together ) All I want is this : 1. To STOP HARASSING ME! Do I need to sue for HARASSMENT?
2. To stop being ignored 3. Reimbursement for insurance 4. No charging for fees that are snuck in without even telling me about it 5. Stop sending me letters ( see above ) 6. Stop sending me XXXX page packets ( see above ) 7. Tell me what they actually want WRITTEN in a clear EMAIL WITH STATEMENTS FOR PROOF 8. Stop calling me I have escalated my concerns to the entire Board of Directors and CEO and VP : XXXX XXXX and XXXX XXXX at Ocwen with Zero response, except for more paper and convoluted phone calls.
The latest is that an Ocwen employee called me and told me 'all I can do is listen to your complaint but can not help you ', then she was so rude, and played a game with me by saying 'you wo n't let me read you my disclosure so I ca n't help you and because you called me, I do n't know who you are ' Why even call me? I told her if she was going to play that game, then she can just call me back. Then she said she was not going to call me back. I told her that this was ridiculous we were even having this conversation because I asked simply for the company to respond via email to my email requests. She was so sarcastic and rude, telling me that she could only just listen but do nothing to help. What a waste of time, like this is some sort of a joke? I was so angry and upset XXXX, as this has been happening for months now that I let her have it. She kept talking over me so I hung up. This is abuse. I just want them to tell me what they want via email with statements so they can communicate like a NORMAL company would!
Thank you. XXXX XXXX XXXX, XXXX
|
| 12/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Ocwen rescinded a written short sale approval letter days before our scheduled close date by way of a service transfer which is a direct violation of Making Home Affordable Program Handbook of Servicers for Non-GSE Mortgages Paragraph XXXX. Ocwen did not transfer necessary data and documentation including the information of the authorized advisor who would be the acting listing broker.
We are trying to close XXXX XXXX, 2015 and the buyer 's lender is ready to fund XXXX XXXX, 2015. However, without formal preliminary HUD approval from Ocwen the transaction can not close. The first has approved the close date of XXXX XXXX, 2015. If the first lender does not receive their money on XXXX XXXX, 2015 as they have approved. The first approval becomes null as " buyer/seller '' did not meet obligations of the written agreement. This is no fault of the buyer or seller, but the fault of Ocwen who serviced/investor released the loan during an active written short sale approval and not complying the rules and regulations of HAFA.
Dates : XXXX XXXX, 2015 : First lender, XXXX XXXX XXXX, approved the XXXX short sale with a closing date of on or before XXXX/XXXX/15 XXXX XXXX, 2015 : Second lender, Ocwen, approved the XXXX short sale with a closing date of on or before XXXX/XXXX/15 XXXX XXXX, 2015 : Broker and/or Seller ( borrower ) request for preliminary final HUD approval for a close date of XXXX/XXXX/15 per the instructions of the approval letter from both the first and second lender XXXX XXXX, 2015 : First lender, XXXX XXXX XXXX approves preliminary final HUD to proceed with the closing XXXX XXXX, 2015 : Broker and/or Seller ( borrower ) place second request to the second lender, Ocwen, for preliminary final HUD approval per the instructions of the approval letter XXXX XXXX, 2015 : o Broker calls Ocwen to follow up on the status of preliminary HUD approvalo Ocwen bounces the call to a company called XXXX XXXX XXXX who will now be the point of contacto Broker is not authorized to speak to XXXX XXXX XXXX as is told to email/fax in authorization to speak on the account and wait 24-48 hours for authorization to be receipted ino Broker calls CFPB for XXXX assistance ( speaks with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to step in to contact Ocwen. CFPB informs broker that the web is the only way to file a complaint as they can not do anything since broker did not have a " question. " It is with much sadness I write that all the above mentioned CFPB representatives are not trained to be preventative. The protocols that are in place only serve to " remedy '' situations once it becomes a tragedy. The CFPB needs to understand that preventative measures are more beneficial in the long run than trying to cover a larger wound with a band aid that could have been prevented all together.
I desperately called the CFPB for assistance and went on deaf ears because all the CFPB could offer was an investigation that would take weeks. I had mere hours to remedy this catastrophic event that the CFPB would not recognize until it explodes on XXXX XXXX, 2015.
|
| 03/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
CFPB Consumer Financial Protection Bureau, In XX/XX/XXXX, I was laid off from my job and this created a bad financial situation with my family 's finances. So we started to be late on our mortgage. So at that time till recently I have been trying to settle with my mortgage about a loan modification. My original company Ocwen Mortgage company. During my modification time period, Ocwen sold or our note to the PHH Mortgage company. But now XXXX is my mortgage provider under PHH. This has created a lot of confusion in the loan modification process. I have received conflicting letters of the same date but with different content. One stating that my loan modification can not be reviewed and the other letter asking for more documents to further the review. All dated the same. And then a certified letter stating a foreclosure date has been set. So I have been in many discussions with PHH Mortgage and there assigned mortgage assistance managers. It sounds like a call center in XXXX. Anyways since my loan mod has been so mismanaged I have complained to my mortgage company and they have stopped the foreclosure date 4 times since this has happened. On XX/XX/XXXX - I turned in a Brand new Loan Modification Application with an updated financial statement to my mortgage company. Since my job loss, I went through a personal bankruptcy with Chapter XXXX. This left me with no unsecured debt. And with this new financial application, I was able to prove that my XXXX XXXX which I started in XXXX is profitable and showed PHH with my P & L statements to show that I was bringing in {$4500.00} a month personally from my XXXX. And also showed them my personal deposits. The P & L statement showed I was {$47000.00} in the Black with my XXXX. On XX/XX/XXXX - Mr. XXXX XXXX - My assigned account manager - told me that my P & L was not satisfactory for the underwriters. So he told me what the format was on how to prepare the P & L. I was confused by this because it showed too many expenses and that was different from my P & L in terms of profitability. On XX/XX/XXXX - I called Mr. XXXX to call me back no return call. On XX/XX/XXXX - I called Mr. XXXX to call back On XX/XX/XXXX - Letter from XXXX XXXX - that my documents will be reviewed On XX/XX/XXXX- Letter From XXXX XXXX - Document due date XX/XX/XXXX - please submit most recent bank statement XXXX income XX/XX/XXXX - Letter from XXXX XXXX - Stating my mortgage application was received and next steps On XX/XX/XXXX- Letter from XXXX XXXX XXXX - about foreclosure date set on the house XX/XX/XXXX Please CFPB Rep, help me with this loan modification, please. My original company Ocwen sold this note 2 times and it seems that my loan modification application is not getting the attention that it needs. And so many different companies working on this it seems that one company is foreclosing it and the other company is trying to process a loan modification application. I have many more details and have this all documented. With emails, letters, and conversation noted by date. Sincerely yours, XXXX XXXX XXXX
|
| 07/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes.
|
| 01/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have been contacting OCWEN MORTGAGE, PHH MORTGAGE, AND XXXX, to no avail, I have expressed concern about the EXTENT OF THE DAMAGE TO THE HOUSE, SEVERE TERMITE INFESTATION, MOLD, AND MILDEW. I continued to make over {$22000.00} dollars in MORTGAGE PAYMENTS FOR A HOUSE THAT IS UNDER WATER, I have called over ten backs, to get approved for a loan for refinancing, I was told by each lender that the HOUSE had to be RENOVATED FIRST, THE HOUSE FLOODED IN XX/XX/XXXX, I still continued to make payments. I am living in a house that has been DEEMED TO BE UNINHABITABLE AND UNSAFE, DUE TO THE STRUCTURAL INTEGRITY OF THE HOUSE. I HAVE INVESTED TO MUCH TO WALK AWAY FROM THE PROPERTY.
I DID NOT HAVE FLOOD INSURANCE. I HAVE BEEN IN THE HOUSE FOR 24yrs.
I have submitted the pictures of the damage caused by the TERMITES. HOWEVER, THE ONLY THING THAT THE MORTGAGE COMPANIES WERE INTERESTED IN WAS THE MORTGAGE MONTHLY PAYMENTS. I ALSO SUBMITTED SUPPORTING DOCUMENTATION OF MY WORK RELATED INJURIES THAT I SUSTAINED ON THE JOB WORKING FOR XXXX XXXX XXXX. I HAVE BEEN WAITING ON HELP FROM THE RESTORE LOUISIANA PROGRAM. IF I WOULD HAVE GOTTEN HELP FROM THE RESTORE LOUISIANA PROGRAM, I COULD HAVE FIXED THE HOUSE, AND SOLD IT, AT MY CHOOSING. I WAS TOLD THAT OCWEN MORTGAGE, PHH MORTGAGE, AND XXXX, HAVE NO DESIRE IN HELPING THE HOMEOWNERS, KEEP THEIR HOMES FROM FORECLOSURE, BECAUSE THEY GO TO THE AUCTIONS AND BID ON THEM THEMSELVES. I WAS NEVER OFFERED THE CHANCE TO REFINANCE BY THE MORTGAGE COMPANIES INVOLVED, NOR WAS I GIVEN THE CHANCE OF A LOAN MODIFICATION, OR A CHANCE OF FORBEARANCE, ALL PARTIES MENTIONED ARE AWARE OF THE HOUSE FLOODED IN XX/XX/XXXX. THEREFORE, NO LENDER WILL REFINANCE, NOR WILL OCWEN MORTGAGE, PHH MORTGAGE, NOR NEWREZ. I CONTACTED PHH MORTGAGE ABOUT MY INTEREST IN LOAN MODIFICATION IN XXXX, I ASKED IF THEY COULD SEND THE PACKET TO MY EMAIL ADDRESS, I WAS TOLD THAT THE PACKET COULD NOT BE EMAILED. I WAS TOLD AT THAT TIME THAT I COULD GO TO THEIR WEBSITE FOR THE LOAN MODIFICATION PACKET, I TRIED, I GOT TWO EMPLOYEES AT THE PUBLIC LIBRARY TO HELP TO NO AVAIL. TODAY IS SUNDAY XX/XX/XXXX, AND I AM STILL WAITING FOR THE LOAN MODIFICATION PACKET, TO ARRIVE IN THE MAIL. HOWEVER, BEFORE I FORGET I ASKED ONE OF THE AGENTS WITH PHH MORTGAGE ABOUT MY INTEREST IN REFINANCING WITH PHH MORTGAGE, I WAS TOLD BY THEIR OWN AGENT THAT THE HOUSE HAD TO BE FIXED FIRST. I EXPLAINED TO THE AGENT, THAT IF PHH MORTGAGE WOULD NOT REFINANCE, HOW WOULD THEY EXPECT ANOTHER LENDING COMPANY TO REFINANCE. I MUST ADD THAT I HAVE RISKED MU HEALTH STAYING IN THE HOUSE, BECAUSE IT HAS AFFECTED MY HEALTH, THIS WAS AND HAS BEEN ADDRESSED. I HAVE BEEN STAYING BUT I REFUSE TO LET MY CHILDREN BE SUBJECTED TO THE HEALTH CONCERNS. I AM ALSO STAYING TO PREVENT SQUATTERS FROM DWELLING IN THE HOUSE. I WAS TOLD THAT THE LOAN MODIFICATION PACKET HAD TO BE RETURNED WITHIN THIRTY DAYS. I SUBMITTED A CLAIM PRIOR TO THIS CLAIM, AND I DO NOT SEE ANY DIFFERENCE THAT IT HAS MADE. I WAS TOLD THAT IN THE PREVIOUS YEARS CONSUMER FINANCIAL PROTECTION BUREAU, WAS LIKE XXXX XXXX XXXX.
|
| 09/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been fighting violations by Ocwen Loan Servicing ( formerly American Home Mortgage ) for 10 years. In XX/XX/XXXX I was solicited by a " so-called '' broker ( former landscaper ) who, without my understanding the consequences sold me a negative amortizing loan. I tried refinancing again but it was impossible due to the housing crash.
I have not been foreclosed upon. In XX/XX/XXXX I filed a complaint against American Home Mortgage and XXXX in Maryland for fraudulent practices. While the judge ruled against me in favor of MERS, during negotiations American Home Mortgage agreed to relinquish their interest in my loan stating that American Home Mortgage " is not a functioning company, '' has " no successors in interest '' and " is permanently out of business. " ***please see attached. We were planning an appeal at the same time that my lawyer died of natural causes. I did not hear anything from the lender for some time and did n't know what to do as I had stopped making payments during litigation. Subsequently, Ocwen bought American Home Mortgage 's shares and I started receiving dunning letters, harassing phone calls and again sought legal representation, filing suit against Ocwen. I applied for a loan modification and Ocwen responded by giving me a billing statement for a modification ( no details included ) which was an amount I could afford. The first checks I mailed to them were cashed. Then, Ocwen started mailing back the uncashed checks stating that I owed them thousands more. My attorney advised me to keep mailing in the checks as originally stated. I have done that every month since up until today.
In XXXX XXXX Ocwen issued me a Notice of Intent to Foreclose. It did not list the named of the secured party, but only mentioned XXXX. They claimed a year earlier that XXXX XXXX XXXX XXXX owns and holds my note when the entity went bankrupt in XX/XX/XXXX and that in XX/XX/XXXX, with no assignment involved, XXXX XXXX XXXX XXXX and alternately American Home Mortgage Assets owns it. In fact, in response to my Qualified Written Request letter to Ocwen, the cover letter provided a telephone number for XXXX which when I called it, brought about a U.S. bank agent. I do not have reason to believe that Ocwen has the original note.
Some months back an Ocwen attorney asked my counsel if I would be interested in applying for another loan modification. Although wary, to show good faith, I applied again. Last month, my case was dismissed without hearing in favor of Ocwen. Although my modification was received by Ocwen on XXXX XXXX, to date I have heard nothing.
Ocwen also refuses to allow me access to my own online portal account citing that it is " flagged. '' They continue to mail back my uncashed checks to my attorney. In the meantime, my {$580000.00} loan has escalated to {$820000.00} This seeminglly endless decade-long ordeal has cost me my health and even stolen attention from my child and my work. All I ever wanted was a reasonable modification to fix a predatory loan solicited by an unscrupulous broker in XX/XX/XXXX.
|
| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
. TIMELINE Our first Lender was with XXXX XXXX in XX/XX/XXXX for XXXX. Our interest rate was 11.625 % See Title ATTACHED. Ocwen XXXX XXXX XXXX, purchased our loan # XXXX on XX/XX/XXXX for XXXX. The amount of our initial payment on this note monthly was {$1100.00} to Ocwen XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX until XX/XX/XXXX.
HARDSHIP TO OCWEN XXXX XXXX This letter is to support our application for a loan modification that was approved XX/XX/XXXX by Ocwen XXXX XXXX. It was suppose to help us to get our mortgage payments back on track with an affordable mortgage. We have lived in our home for over 20 years and we want to work hard and keep it. We fell behind on our mortgage payments due to loss of income due to loss of my job of 16 years at XXXX. My husband was injured on the job filed a claim with L & I, Osha and I was fired. XXXX had to file for XXXX, and pension for the rest of his life. We had a very hard time dealing with our debts because we never had financial problems before. There were so many expenses and managing a home and family was hard. XXXX had been employed in the XXXX business for more than 20 years working inside a XXXX at XXXX where he was injured. He was XXXX XXXX on the job and filed a claim with L & I, and Osha. Immediately after my husband was fired he had to file for XXXX, and pension for the rest of his life. We accrued mountains of financial, medical bills and our credit history was destroyed. We had a very hard time dealing with our debts and lower income for two years until XXXX was granted XXXX XXXX. We applied for a application for assistance. We were placed in a Forbearance Plan where we accumulated excessive late fees, attorney fees, reoccurring foreclosures fees, fraud and homeowners abuse, unfair, deceptive practices like sub-prime lending, unprocessed modification and illegal threats of foreclosures Charging {$5000.00} down payments for modification only to be denied several times. Finally, we were given a LOAN MODIFICATION AGREEMENT on XX/XX/XXXX to begin on XX/XX/XXXX. We received a Notice of Assignment, Sale or Transfer of Servicing Rights Ocwen Loan Number XXXX to XXXX XXXX, XXXX effective XX/XX/XXXX, When Ocwen sold our loan pour principal balance was {$160000.00}. Ocwen XXXX XXXX now called, PPH Mortgage Services XXXX. XXXX XXXX XXXX, NJ XXXX # XXXX Ocwen XXXX XXXX added $ {$53000.00} to our loan and abusively continue to report our loan late In addition our credit history was DAMAGED by reporting us late. Ocwen XXXX sold our loan the charged excessive late fees, Continuously placing us in Forbearances that failed ; accrued fees attorney fees, hidden fees, and failing to report payments before selling our loan to, XXXX XXXX XXXX, GMAC Mortgage Co. XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX . Finally, in XX/XX/XXXX our house went in Foreclosure. We were forced to file Chapter XXXX in order to save our home from widespread mortgage servicing issues ; failing to apply and report payments from Mortgage Company to mortgage company is abusive and unprofessional.
|
| 12/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
Like many others in XXXX, due to XXXX, as a XXXX mother, I was forced to resign from my job and stay at home with my children due to their school shutting down and only doing remote schooling. My children were in XXXX XXXX and I had no other options. I applied for and was granted a Forbearance through PHH Mortgage Company and I was told once I was able to return to work, I should then contact them and a Modification for my mortgage would be made. I was assured my credit would remain in good standing and all would be ok. Immediately upon returning to work at the end of XX/XX/XXXX, I contacted PHH Mortgage and requested to start this process. At that time, I even requested to begin to make payments to my mortgage and I was told " NO '' as it would have a negative impact on my credit score. The process of having a Modification in place would take weeks and weeks. Once the modification was approved, my mortgage was now a 40 year loan and I was verbally told on the phone that I could make " extra payments to my principal so I would not have a 40 year loan and pay it off sooner '' and was told this was encouraged and I would not be penalized. As a general rule of thumb, this is what I have always chose to do. As I began to get back on my feet, I was able to make extra payments to the principal of my loan in XX/XX/XXXX through the end of the year. I made sure to send in a paper check with my payment coupon, with my written request of how much was to be applied to an extra principal payment. The next statement from PHH mortgage confirmed the extra principal payment was applied. In XXXX, I had an estimated $ XXXX extra applied to my principal, but a closer review of my records the following year, showed me that PHH Mortgage did not in fact apply those payments to the principal as I requested. At the end of the year, PHH Mortgage took those funds and applied them to outstanding late charges, other fees, etc. due to the forbearance and modification loan. I received documentation from them recently as I questioned this again when I did a Re-Fi and was basically told they could do this, even though the paperwork I have states part of the Payment deferral agreement/ modification / forbearance plan was to adjust the due dates to bring the mortgage current ( hence why this did not impact the credit scores ), defer the repayment and past due amounts ( I was told my missed payments would be added to the tail end of my mortgage ), and waive any late charges required. My escrow payments were increased to make up for that loss. And I was never, ever once contacted by PHH Mortgage and told by them that they were going to change where my requested monies would be applied too. I have other loans that I could have been paying down the principal, and that was my goal. Instead, PHH Mortgage just rerouted my money to suit them and profit over fees they told me I wouldn't even be subjected to and had me pay extra interest on a loan, when the principal should have been lower all along. This is just for XXXX, I haven't even looked at XXXX yet.
|
| 03/04/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
In XXXX Ocwen Loan Servicing used its cozy relationship with failing Homeward Residential and American Home Mortgage to phony up a pretender XXXX beneficiary lawsuit to rip off my home I own free and clear. In XXXX Ocwen Loan Servicing used robo-lawyer " XXXX '' who is scum of the planet, who only followed Ocwen Loan Servicing scumbags mentally sick litigation lawyers instructions, foaming out of the mouth like a bunch of XXXX freaks on steroids, committed XXXX phony lawsuit fraud which has caused me and my family serious harm during the time I was hospitalized with XXXX. Ocwen Loan Servicing / XXXX / American Home Mortgage / Homeward Residential all have slandered my title using fraud. XXXX, I retained another incompetent lawyer who filed lawsuit against Ocwen Loan Servicing. Ocwen Loan Servicing scums offered me a {$660000.00} loan modification in agreement I dismiss the pending action and keep Ocwen 's fraud cover-ups a big hush hush. At that time the trustee sale was already cancelled so I did n't submit and bend over to scum Ocwen demands, I declined the offer. I do n't owe XXXX Ocwen a single penny. XXXX I retained another incompetent lawyer who filed another lawsuit, during pending litigation Ocwen attempted to push through another XXXX fraudulent trustee sale. My incompetent lawyer appeared before the court to stop Ocwen Loan Servicing fraudulent foreclosure and its cozy buddy XXXX fraudulent trustee sale. My motion was denied because my incompetent lawyer did n't follow the rules of the court and did n't serve all the defendants properly. I fired my lawyer, then I was in pro-per repersenting myself with little money left. Ocwen Loan Servicing used my health troubles and having little money left as another weapon to take advantage of me. During the time I was representing myself in pro-per Ocwen Loan Servicing, its cozy buddy Altisource, and its XXXX lawyer " XXXX '' all took advantage of my XXXX and then increased the fraudulent loan modification offer to {$750000.00} with a higher interest rate, then made threats that if I did n't sign the final none negotiable {$750000.00} loan modification offer Ocwen Loan Servicing would instruct its buddy XXXX to proceed with the fraudulent trustee sale and I would of lost my home I own free and clear for years. I have XXXX so hard for me to fight a bunch of XXXX. I was forced to sign the fraudulent {$750000.00} loan modification offer under over the top stress fearing for little son living in the streets while Ocwen XXXX fly around in private jets, probably hanging of with XXXX best friend who owns a island and a private jet? The XXXX all need to be brought down, and they will. Recently, Ocwen Loan Servicing used robo-employee " XXXX '' only following Ocwen XXXX litigation lawyers instruction, she continues to harass me and cover up Ocwen intentional fraud against me. I do not owe Ocwen a single penny. I will be retaining attorney XXXX out of XXXX sometime around XXXX, when my Investigators all complete its final case. You Ocwen XXXX better leave me the XXXX alone!
|
| 08/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My mortgage with PHH Mortgage Service was transferred to XXXX XXXX XXXX, and PHH had the service on my mortgage since XXXX. I had many hard times with the payments on this mortgage, and I remember being up to 90-says late in XXXX and XXXX. Therefore, my late payments within the legal 84 month timeline qualifies me for the removal of this account. PHH has even posted the account twice under two separate account numbers. The template to the FCRA is as follows : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Accordingly, PHH must give the credit bureaus the proper account payment history, and apply the rules of the subscriber agreement they agreed to with all pertinent credit reporting agencies. This account must be deleted immediately. It has been re-aged and must be deleted permanently. Thank you for your cooperating in this matter.
XXXX XXXX
|
| 11/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
the purpose of escrow is to pay debts associated with the real estate property -- taxes and insurance. i have been with PHH since XX/XX/XXXX. PHH is a subsidiary of Ocwen. My entire account information - history, etc - was transferred to PHH for a seamless transition. my first statement from PHH stated escrow balance {$0.00}. My second statement reflected the {$1300.00} escrow balance that was successfully transferred with my account.
XXXX total insurance and tax expense is {$4100.00}. i understand that during the transition everything stayed the same. however, it is the responsibility of the mortgage company to best estimate expenses. in XXXX my escrow was {$190.00} x 12 months which is a total of {$2300.00} to pay for property related escrow expenses that actually total {$4100.00}. There is a shortage of {$980.00} " The monthly shortage for the next 36 months is {$27.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' unless i can pay the shortage in full within 60 days.
XXXX was the responsibility of PHH to better estimate my escrow payments in order to have a mutually beneficial relationship. This was our first full 12 months with PHH.
my XXXX property related expenses that are escrowed for are {$4100.00}. The escrow analysis provided to me on XX/XX/XXXX -- i now have a shortage of {$2400.00}. " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to Your monthly payment beginning XX/XX/XXXX. '' unless i can pay the shortage in full within 60 days. my escrow payment was increased to {$290.00} x 12 months which is a total of {$3500.00}.
THESE ESCROW PAYMENTS WILL NEVER PAY THE TOTAL DUE ON THE ESCROWED EXPENSES ON THE PROPERTY. I HAVE NO CONTROL OVER HOW THEY ESCROW. I AM POWERLESS. IF I CAN DO THE MATH -- SO CAN THEY. THIS IS ON PURPOSE AND BY DESIGN.
PHH is a subsidiary of Ocwen. I have a reasonable expectation that matters will be handled in an appropriate manner. I have proven, without a doubt, that PHH has not fulfilled their responsibility as a respectable and responsible mortgager. IT IS PHH 'S RESPONSIBILITY TO CALCULATE ENTIRE YEAR OF EXPENSES SUPPORTING THE PROPERTY. PHH knew that these payments would fall short. PHH did not give me the option to divide entire shortage over the 1 year term as OCWEN did for the last 15 years. this would have been a more manageable solution in this pandemic environment. i believe that PHH has an ulterior motive to eventually repossess my house for lack of payment.
PHH refers to this as ESCROW ADVANCES. Customer service rep said to me " WE PAY YOUR BILLS AS A COURTESY TO YOU. '' THE BEST COURTESY TO ME WOULD BE TO ACCURATELY ESTIMATE ESCROW MONTHLY PAYMENTS OVER 12 MONTHS TO PAY THE BILLS WHICH IS THEIR RESPONSIBILITY. Mortgagers insist on paying these bills because until the loan is paid off, the mortgager owns the property and has a vested interest in ensuring that these bills are paid. THIS IS DISGUSTING.
PHH SHOULD BE AUDITED TO PROTECT EVERY MORTGAGEE FROM THEIR PREDATORY PRACTICES.
|
| 11/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Situation : Our Florida Townhouse ( XXXX ) was put on sale in XXXX, so we could be with Family in XXXX, they didn't want us living in XXXX alone after my husband XXXX 's sudden passing away on XX/XX/2023.
Lot of potential clients for XXXX kept asking if mortgage is assumable.
Thus, I called my PHH mortgage. They said they will review and communicate back in writing.
XX/XX/XXXX, XXXX weeks later, they sent a letter saying yes it is assumable based on .... see attached letter.
I was pleased to hear assumable mortgage. In light of interest rates being so high, it eased the possibility to secure a sale.
It had no mention of blood relatives, cousin, friend, family stranger etc..as long as financial obligations were met for party that wanted to assume the mortgage.
We had family friends come in to buy, they went in escrow for XXXX. Purchase price XXXX. My mortgage owed is XXXX for 2.6 % for XXXX yrs. They got appraisal and home inspection all went OK. Financially strong family.
On XX/XX/XXXX, we got on phone with new buyers and our real estate agent and spoke for an hour on phone that we want an application sent to us so paper work for assumable mortgage can begin. Teleconference all went ok.
On XX/XX/XXXX, they sent a letter saying mortgage is NOT Assumable. Which shocked all of us for them to go back on XXXX letter that said mortgage is assumable.
Last 3 days have been on multiple phone calls with PHH about it. They agree their letter was misleading. But as they are mortgage servicer and mortgage provider is XXXX XXXX and XXXX XXXX is saying it is not assumable.
I said their assumable department review made a mistake. From the very begining should have not told me it's assumable. I would be ok with that. As very rarely they are. They led me down the wrong path. A rabbit hole, promising path. I could be sued for wrong false advertisement by clients advertising my property as assumable mortgages. As my agent went around saying it's assumable and said that in good faith. PHH has been misleading confusing to us now.
The sellers were in for the deal as it was assumable. The sellers have backed out on sale now.
So after all these months the sale is lost. Got to know this loss of sale today.
House has been put on sale again today.
Interest rates are worse. Property in good location. Thus still challenging.
PHH erroneous stance and misleading wrongly issued letter has costed me the sale. Caused stress to the agent, to the buyers, to me at my time of grief I have this undue stress from PHH.
I have repeatedly asked them to honor their first letter as they sent the assumable letter or I will seek legal recourse. And that is where we are at, they say they cant honor their first letter.
Please review XXXX letter saying it is assumable. And XXXX letter it is not assumable.
I am serous about pursuing legal actions.
They keep saying sorry for the mistake but they can't honor their first letter approving it to be an assumable mortgage.
Please let me know your thoughts.
Thank you.
XXXX
|
| 06/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Ocwen Loan Servicing, LLC Loan number # * XXXX Attempted XX/XX/XXXX to intimated into Modification and is attempting to force us into Modification again, we have wrote this company we are not interested in any Modification then they State will send papers to Bankruptcy DEPT to obtain authorization? We will not sign any paperwork for any type of mortgage with this company.
XXXX XXXX vs. Ocwen Loan Loan Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Billed Statement XX/XX/XXXX Image XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX 2 Payments. {$560.00} x 2 = {$1100.00} Image XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX Payment XX/XX/XXXX Operator : XXXX. XXXX XXXX EST Paid on : XX/XX/XXXX - Paid by : XXXX XXXX M.T.C.N # XXXX Payment Amount : {$560.00} x 2= {$1100.00} Written on XXXX XXXX Carbon Copy : Attention : XX/XX/XXXX and XX/XX/XXXX [ XXXX XXXX Default Notice Letter : VIA # XXXX Reference Code : 1201 Federal Law States Customer must be full 30 full days in default before a letter is to be mailed out. ] Postmarked : XX/XX/XXXX.
Image Postmarked : XX/XX/XXXX Delivered signed XX/XX/XXXX.
XX/XX/XXXX Payment XX/XX/XXXX Payment XXXX Payment Amount : {$760.00}, Confirmation Number # XXXX Additional Funds included with Payment for : XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} [ XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX ] Late Charges Paid twice ( 2 times ) {$28.00} x 2= {$56.00} XX/XX/XXXX and Concern : 1 Previous Servicer Fee : {$88.00} was Paid to : Ocwen Loan Servicing wS not applied as Previous Servicer Fee, Ocwen Loan continued to charge for this fee paid on : XX/XX/XXXX.
[ In Error : Ocwen Loan applied as Principal Payment. Review below Frame # 1 Image Recent Account Activity : XX/XX/XXXX Payment XXXX under the Principal Column, this was not a Principal Payment.
It was paid as : Previous Servicer Fee Only!
Concern : 2 Paid : XX/XX/XXXX charged as Fee.
XX/XX/XXXX Billing Statement Continued to Charge as Fee.
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}.
XX/XX/XXXX Billing Statement Continued to charge as Fee : {$88.00} XX/XX/XXXX Billing Statement Continued to charge as Fee : {$88.00}.
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}.
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}.
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$67.00} Concern:3 Where did this {$67.00} Previous Servicer Fee come for from? On XX/XX/XXXX the only Previous Servicer Fee that was owed Was {$88.00} and was paid on XX/XX/XXXX.
Ocwen Loan continued to charge for fee paid for additional 7 months.
Ocwen Loan has failed to submit successfully payments and over payments we have paid in past years, we requested Principal balance which they have not sent? XXXX XXXX they were paid over {$15000.00} in payments until each payment is credited correctly there will be no modification papers signed.
|
| 04/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Dear OCWEN : This letter serves as the formal notice of my intent to file a lawsuit against OCWEN. As a victim, we are seeking compensatory damages for time, expenditures and emotional damages associated with the injuries caused. We feel that it is in the best interest of OCWEN to settle without lawsuit, in which a lawsuit will bring national public exposure of the companies ' unfair business practices and make the company liable for the payment of additional costs ( lawyer fees, increased emotional distress, etc. ) that may result in a XXXX lawsuit.
In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a breach in contract. This is due to the fact that neither OCWEN nor XXXX, XXXX XXXX XXXX ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving a motion that the loan modification contract should be upheld ( also attached ).
Many instances of fraud is substantiated as OCWEN wrote a letter ( deceitfully ) stating that the denial that was sent in XXXX was due to unsigned loan modification contract. Later, however, ( in a recorded conversation that we possess ) they state that they DID in fact, receive the loan modification contract, XXXX, and the denial was really due to the judge not issuing the court order in a timely manner, which is beyond my control. Additionally, since the automatic stay was still in process, we feel that a denial should not have taken place. We also believe that OCWEN willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to XXXX XXXX XXXX XXXX XXXX within XXXX hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as they failed to give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself.
Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners intoforeclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while notupholding previous contract
|
| 07/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
t is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX.
Ocwen continues repeating the same answers and enclosing the same documents.
Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XX/XX/XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XX/XX/XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX.
I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX XXXX ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XX/XX/XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ).
Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only XXXX loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month.
It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time.
I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
|
| 02/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I would like to get my share of the recent CFPB settlement with WELLS FARGO BANK for wrongful foreclosure as described below on my prior complaint # XXXX. I understand this claim can be sent through CFPB to WELLS FARGO.
YOUR COMPLAINT Wells Fargo as trustee for XXXX XXXX XXXX XXXX foreclosed and sold my house yet according to the SEC records XXXX trust never existed. I called the SEC also and they confirmed that the trust never existed/was never registered/no XXXX. This nonexistent entity foreclosed, sold and collected secondary insurance through the alleged servicer XXXX XXXX located in XXXX XXXX XXXX Florida. How could this happen?
XXXX is lying as they have done the whole case/totally fraudulent. Here attached is proof that they made a claim to XXXX XXXX XXXX lnsurance Company XXXX XXXX XXXX XXXX XXXX, NC XXXX for my mortgage/they are lying that no claim was made. XXXX should be shut down and all the wrongs done against customers be reversed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX ' # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Original Creditor : XXXX, XXXX Loan Amount : Loan Number : Insured : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX T : XXXX XXXX XXXXXXXX XXXX {$220000.00} XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : This letter concerns the deficiency remaining on the above-referenced loan. As the private mortgage insurer of the loan, XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) has paid a claim on behalf of its insured, XXXX XXXX XXXX and has been assigned and or is fully subrogated to the rights of its insured to assert claims against you as a result of your default in payment on the loan and the resulting deficiency after the foreclosure sale. XXXX XXXX is limited by the contract of insurance with its insured to recover only the amount of the Claim it Paid {$110000.00}, which in this case, is less than the Deficiency {$230000.00}. Demand is hereby made for payment of the sum of {$110000.00}. If this debt is not disputed, mail to this office a check made payable to XXXX XXXX for the full amount due and owing that must be postmarked no later than thirty ( 30 ) days after receiving this letter. If you are unable, ,to send the balance in full., please contact our, office to discuss repayment arrangements. Should you have any questions concerning this matter, you may call me at XXXX. You are encouraged to contact our office to discuss this matter, as we remain interested in resolving this matter amicably. Note that this letter is attempting to collect a debt and any information we obtain will be used for that purpose.l NOTE : IMPORTANT INF0RMATION MAY BE FOUND ON THE SECOND PAGE OF THIS NOTICE. 1. If you are in bankruptcy or received a Bankruptcy discharge of this debt, this letter is not an attempt to collect.
YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX United States MORTGAGE ADDRESS SAME AS MAILING ADDRESS No MORTGAGE ADDRESS XXXX XXXX XXXX ct XXXX, Florida XXXX
|
| 08/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan number with PHH Mortgage is XXXX. My payment is considered late on the XXXX of each month. I make payments through my XXXX XXXX online banking. On XX/XX/2019 I remitted a payment of $XXXX (payment due is less but I always pay more). The bank indicated gauranteed delivery on XX/XX/2019. This afternoon I received a notice indicating that I was late with my XXXX payment.. I checked my account and, in fact, I was unable to ascertain if it had been sent or in the process of being forwarded. In a panic I called the lender at XXXX. I tried to ascertain through the automated system payment department as to the status of my XXXX payment. I tried to enter my information for approximately 15 minutes but was continuously told that I did not have an account with them even though I was viewing a letter from PHH with all my information including the account number I wast entering. I finally gave up and called again hoping to get a human being and after some extensive navigating I was able to do so. I explained the problem at which time the representative asked the address where I sent the payment ( and where I have been sending several PHH mortgage payments for more than ten years. He said it was the wrong address and gave me another and then another neither of which matched where I always submit payments.. He recommended waiting another few days but I was afraid to do so in case the bank had not completed the process. I said I was willing to pay again this day to cover my credit with them. He recommended either paying by phone for $XXXX or by website at XXXX XXXX for immediate posting. Either was satisfactory but he then told me I would still be charged the pmt fee plus the $XXXX late fee. Considering that my long time accounts have been in good standing I asked if I could speak to the supervisor to ask for a waiver. He put me on hold and at this moment I have been waiting 65 minutes without anyone coming on the line to notify me of the status relevant to my request to speak with the supervisor. During this incredibly long wait, I have been trying to send another payment through the PHH website which again kept refusing my information. Surprisingly despite the tremendous problem with identity fraud, PHH requires the customers social security number in order to proceed to remitting payment on a new account. I was desperate enough to give my social security number but still was denied access just as they did when I called with the same loan number they themselves furnished in their recent letter. PHH has shown a complete lack of respect and an unconscionable deficit of decency in their insulting customer service. While still on the line waiting for what I now know will never occur, I decided to refer this total lack of customer value to your organization in hopes that they will at least be contacted with some form of admonishment. I will now hang up and call again in an effort to pay by phone in hopes of protecting my credit. Thank you for your attention to this matter
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have owned my home for 21 years and have faithfully made my mortgage payments every month until XXXX of this year. My mortgage company was GMAC till they sold it to Ocwen Loa n Servicing, LLC. 3 years ago.
At the beginning of this year I had some XXXX problems and I had to miss work. It affected my financial situation and I got behind on my mortgage payment. I was n't able to pay the XXXX XXXX or XXXX payments until I got my finances in order.
I received mortgage account statements from Ocwen Loan Servicing with the past due amount I owed them and the late fees that they charged. I had an opportunity to lend some money from family to take care of the past due amount and late fees.
On XXXX XXXX my sister had a conversation with XXXX, agent # XXXX and this conversation, along with all the other conversations was recorded by Ocwen Loan Servicing. XXXX told her that the past due amount owed was {$2600.00} and that if that was paidby XXXX XXXX, the loan would be brought current and the next payment would be the XXXX payment of {$740.00} which was the regular monthly payment. XXXX XXXX was the relationship manager that I was talking to on the phone.
A cashier 's check was purchased by my mom at her bank and sent to Ocwen on XXXX XXXX XXXX. XXXX XXXX because XXXX was the relationship manager that I was dealing with. My sister gave her phone number and email to XXXX and XXXX XXXX contacted my sister by phone on XXXX XXXX XXXX, we are assuming that he received the cashier 's check that day, but he did n't tell my sister anything because I did n't give authorization for them to talk to her yet. On XXXX, XXXX XXXX Ocwen sent a letter stating that because the payment was not received yet, that more money was due if I wanted to reinstate my mortgage. The payment due went up to {$3400.00}.
On that day, XXXX XXXX, I contacted my sister to let her know that they did n't receive the cashier 's check. She called and talked to XXXX, agent # XXXX. She transferred the call to XXXX, a relationship manager ID # XXXX.He told my sister that he could n't tell her anything unless I authorized her as someone they could talk to. She called me and asked that I authorize her name and then she talked to XXXX from XXXX agent # XXXX who said that my sister 's name did n't appear as an authorized person. I called again and talked to XXXX XXXX ID # XXXX who told me that my sister was authorized and that she could call back. My sister then called and talked to XXXX ID # XXXX who was from Texas and he told her that the payment would probably be posted by Tuesday, XXXX XXXX and she should call back then. On XXXX XXXX, XXXX XXXX contacted my sister at XXXX and told her that they would have to send the payment back because it was not received within the amount of time that they requested it and more money would be due. That day she informed not only XXXX XXXX, but a couple other people that called from Ocwen that she was going to make a complaint with the Consumer Financial Protection Bureau.
We are also making this complaint to the BBB.
|
| 04/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX ( Saturday ) To Whom It May Concern, My name is ... ... and I have chosen to use bullet points in order to make what I have to say easier for everyone to read.
I have a mortgage with OCWEN Loan Servicing. In XX/XX/XXXX two payments of {$200.00}, was returned. The first payment I made, ( as I have done for the previous 7 years with the same banking information was through the OCWEN website. This payment was returned, I was told because no such banking number existed. (??? ) The second time to went to pay this loan of {$200.00}, I paid through a representative with OCWEN, ( agent number unknown ), I gave this agent my routing and checking information over the phone to make the payment again. This payment too was returned for the same reason.
I called OCWEN yet again, and spoke with Agent # ...., on the afternoon of Thursday, XX/XX/XXXX, we went around and around with my account numbers and he did not feel comfortable taking my banking information, because he could not be sure it would go through and then he told me that if the payment was not in by XX/XX/XXXX, it would go to collections. I have to admit, I lost it! This is absolutely ridiculous as none of my banking information had changed in the last 7 years, since I put it into the OCWEN website. He said to get the correct information from my bank and make a rush payment through XXXX XXXX, which I did. ( Document A ), please see ( Document B ) from XXXX XXXX XXXX XXXX.
On Friday, XX/XX/XXXX I went to my credit union and had a representative from XXXX XXXX XXXX XXXX, by the name of " .... '', called OCWEN with me standing right there, to give OCWEN the same information I had given, which was the routing number and my checking account information. He spoke with " ", agent # ... ..
I would like to point out the following : I got to the Credit Union at XXXX when the doors opened. It took almost an hour for the agent agent # ... .to simply verify my account information.
'' ", agent # ... XXXX said that OCWEN had my savings account number which is, ... XXXX, and not my checking number which is, ... ..., OKAY, but the money I had been paying into OCWEN for the last seven years has been coming out of my CHECKING ACCOUNT!! NOT my SAVINGS Account. Please see Documents C, a total of 4 pages. Please these are just a few of the payments of the previous 7 years. Please Documents D, a total of 2 pages.
Im sure this sounds confusing as it STILL IS to myself. I am so tired of OCWEN they do not know what they are doing. I am writing this letter on Saturday, XX/XX/XXXX as I do not trust OCWEN and I want to make sure everything is documented to the letter! The representative from my and I were told by " ", agent # ... .that everything is now settled. Come Monday, XX/XX/XXXX I pray that this is all taken care of.
I have a credit score that is in the 800s and I have worked VERY, VERY, Hard to get it there, I will not have it lowered because of this ridiculous incident with OCWEN Servicing.
CC : The Consumer Financial Protection Bureau ( CFPB )
|
| 03/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Over the course of XXXX, several financial setbacks occurred causing me to fall behind on my payments so I made steps to work with the Ocwen to begin working on a loan modification so that I could continue making timely payments. Over the course of this process the relationship managers that I worked with repeatedly lost documents and even went as far as saying that they did not receive documents that were faxed, emailed, and mailed to them which ultimately led to me falling further behind on my payments.
In late XXXX, I received a notice of default and subsequent sale date so I began to work with the loan servicer as well as Keep Your Home California and XXXX to work out a repayment plan for the back fees. They assured me that while I was working with them to figure out a plan that the sale date had been put on hold. In XXXX, XXXX informed me that they had made an agreement that I would begin with an initial payment of {$12000.00} and then go on from there. I felt comfortable with that amount because it was much less than the {$16000.00} that was accumulating after fees and penalties were tacked on.
I called the servicer in early XXXX because I had not received any documents to sign and after speaking to my relationship manager in late XXXX, I was informed that I should remit a payment of {$12000.00}, which was sent to them on XX/XX/XXXX via certified check even though as of that date I still had received no official document that we had entered into the repayment plan. It was on XX/XX/XXXX, that I received a new document from the county saying that my home would be sold on XX/XX/XXXX, so I immediately called the loan servicer because there had been no communication from them on the status of the repayment plan or any document stating that they had received a payment from me.
I spoke to the servicer who then told me that the repayment plan was sent to the underwriter and that I had been denied a repayment plan due to my debt to income ratio being 2 % higher than that of which they allow. I then asked when that decision had been made and they told me that the decision was made XX/XX/XXXX. I then asked the representative why I had not received anything in writing that this decision had been made and I was told it was because they do not send out letters of denial and that it was on me to check in with them on the status of the repayment plan application. I know that this is false information because I have received letters in the past in regards to the denial of a loan modification. I proceeded to ask the representative what happened to the check that was sent to them and they told me that they had returned it to me as of XX/XX/XXXX because there was no agreement made and that I would need to make a payment of {$17000.00} to end the sale of my home. This payment has to be made by XX/XX/XXXX.
I am submitting this complaint because Ocwen has a history of these types of practices resulting in foreclosures and lawsuits, one of which was filed by the CFPB for these same reasons and nothing has changed.
|
| 06/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
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I will attach two documents that I think will explain most of what we have gone through. This process has been over 1.5 years and very stressful. For over a year we could not get a reason as to what the issue was, I thought I was paying the payments, the payments went up ( I knew they would some ), but went from under {$500.00} to almost {$3000.00}. The company took a few month money, applied to a payment and then returned, when I figured out something was wrong and called they wanted me to send $ XXXX or something. When I said we could n't they said they would help me with a refi ( which I had wanted to a long time since we had an interest only loan, we filled out forms on the phone, made a follow-up appoint time and I thought all was well. At follow up was told was sent to another department and would have to wait for something mailed, then received info about foreclosure mediation program. What a joke. I am normally a huge fan of mediation but this companies idea of mediation apparently is that their part is to agree to accept an entire loan package that they will look at and evaluate to see if they will be able to " approve '' you, just as a new person. So after two session of mediation we did not have all required papers. This wasted 14 months and the minimum acceptable amount became forty some thousand I think ( the loan amount was less than {$130000.00}. The entire time they would accept no money on the loan and still could not tell us what the amount owed was for ( MITI, but we pay the taxes and insurance ), we could reapply for mediation again, but I lost my job so I do not have the monthly income they require, my husband is on Social Security so would do no good. Because of health reasons I have wanted to retire anyway. Finally in XXXX ( 2017 we received notice of why the balance was the amount it is ). The part to me that seems nuts is that this has been our home for 30 years, we have no other bills, my husband has over {$75000.00} in his retirement account and I 've wanted to file my retirement but have postposed because they have my house in foreclosure. I have several choices of how to take my retirement payment, such as in a monthly amount, but there are others also. I am lucky because one choice is a lump sum, so while they will not accept that I have over {$350000.00} in my retirement it is an amount that I can take as a lump sum to pay the loan ( and taxes ) which is a terrible burden to do this way, but at least will likely be able to keep the house timing wise. Others do not have those options. We also have a option of paying somewhere around {$46000.00}, but I can not get an answer as to what we would owe if we paid that amount. What would be the balance, what would the payments be? Tax wise may be better but not if we pay {$46000.00} and still owe the same amount after. I am angry at the over a year with no answers, the company does not work with mediation, I filed a complaint with the DOJ but they have no authority in that area. They walk all over people and take, take, take.
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| 04/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I am a Non-XXXX mortgage borrower ( my loan was not under XXXX XXXX or XXXX XXXX ) and I fall under President Obama 's ' plan that " Helps Responsible Homeowners '' keep their homes. I live in XXXX of the most hardest affected financial cities in America affected by the great recession. All homeowners in my city and a large part of the state are under water, owing more on their homes than what it is worth. Before the onset of the recession however, I was given XXXX mortgages in XXXX when I purchased my XXXX home ; that mortgage was provided through XXXX XXXX. The primary loan was an adjustable rate ( ARM ) ; the XXXX was not, but will mature in five years ( XX/XX/XXXX ). 2 1/2 - 3 years later, my loan was sold to XXXX XXXX Bank and soon after that, maybe a year or XXXX later XXXX XXXX XXXX sold my primary loan to Ocwen, who is presently holding my loan. As the XXXX years went by, my payments increased. Then, the housing market dropped. While interest rates were low, I attempted to pay as much on my XXXX mortgage as possible. Then my XXXX salary was reduced due to the economy ; I could no longer place additional funds on my principal. So I called called Ocwen in XXXX to see if I could refinance. They stated that I could not, but offered me the chance to modify. I requested for them to send the information, but I did not follow through with the paper work. I did not follow through as a result that the interest rates dropped even lower, so that provided me the opportunity to try to pay off more dept hopefully to off-set a possibly increase again. During that year, I made calls, to Ocwen and Loan XXXX, a financial affiliate associated with Ocwen and they could not help me refinance ; I went to every bank and loan organization I could think of and they told me I need to go back to Ocwen and that Ocwen should be able to help me. In XXXX XXXX, Ocwen mailed a statement stating my ( primary loan ) payment would increase from $ 790.-XXXX even though my interest rate has and remains at 2.62500 %. I figured then, this was another opportunity to refinance. I called Ocwen about refinancing, and that at that time, I did not qualify for refinancing, but they could send out modification packaging. This time I completed the modification package and returned it in XXXX, XXXX. On XXXX XXXX, XXXX I received a statement form from Ocwen stating that they do not have anything I qualify for. However, they were positive that I qualify for a Short sale, and that I should immediately respond to get the Short sale process active. I did not return the papers. I could not understand. I have never missed a payment ; I have always been on time regarding my payment despite rising costs in consumer consumption, not to mention, as a teacher, my pay will not ever increase again ... ; my credit score is very good, yet I am the only citizen, it seems, in the US, who can not get refinanced or locked into a fixed rate. All I want is a preventive measure put in place so that I can keep my home and afford it.
I am a responsible home owner.
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| 12/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen mis-applied funds/ did not apply payments mailed to my loan.
extra money was mailed to pay down the principle as noted on checks cashed - they were applied to an " unapplied funds " and recently deducted by a forced escrow account. they claim it was because I did n't have insurance which I did - I was billed {$2800.00} yet only given a {$590.00} credit 3 months later XX/XX/XXXX. Since my statements dated XX/XX/XXXX The unapplied funds are not being used to cover an escrow account to pay property taxes to which I pay them yearly. I have asked the funds be replaced and was told no that Ocwen has the overall say in how " unapplied funds '' are distributed. I explained that I pay my taxes yearly- I am told that an account manager will review - to date they continue to take the funds- now sending me deliquent letters that I have unpaid balances on payments - those payments being set aside in a suspense account. I am currently being charged for past due payments and missed payments. certified letters that come in triplet and home inspections fees that when explained is done by an outside company to inspect the home and make sure its not " abandoned '' - when I explained I lived in a gated community and there were camera 's out front as part of my home security- AND I HAD PROOF NO ONE EVER LOOKED AT THE HOUSE OR DROVE BY -the rep contradicted herself by saying it really is just internal and they could not give me proof- I asked for a refund to which she explained that they were not going to refund the money because they are allowed to charge the fee regardless if someone see 's the property or not. I was told to " just pay it '' I get charged a different amount every month. In the past I was charged {$100.00} recently {$13.00} and sometimes {$15.00} - there is nothing in my loan documents. I 've asked for them to mail me a copy specifically noting that they can charged me- I get hung up on EVERY TIME! I 've called and asked their resolution department to contact me - I get no reply. I have asked to speak to managers - I get hung up on. I have cleared payments from the bank and yet every time I call to get it resolved they claim their records are accurate and that I need to mail the money immediately or they had to right to " take my home because the loan documents I signed give them all the rights to my property.
On XX/XX/XXXX received a certified letter claiming that I was delinquent pmnts from XX/XX/XXXX-XX/XX/XXXXthat Ocwen had adjusted my monthly pmnt to {$2200.00} from $ XXXXthen a day later another certified letter arrives and that pmnt for that time frame XX/XX/XXXX-XX/XX/XXXX all had an unpaid amount / balance due of {$440.00} - when I called their customer service department I was told an account manager would be handling my account since the last payment made in full was XX/XX/XXXX.
I received the same letters monthly - sending out bank statements until XX/XX/XXXX when I received a certified letter explaining that I still had unpaid balances on the missing pmnts - which were late fees.
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| 11/06/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I am writing you today to make you aware of an issue my husband and I are going through. In XX/XX/XXXX our mortgage loan was transferred from Litton Loan Servicing to Ocwen Loan Servicing , LLC . When the loan was transferred, our mortgage was in good standing. Ocwen then added a insurance policy to our mortgage raising our monthly bill up nearly {$400.00} per month. Even though I had proof that we already had homeowners insurance through XXXX, Ocwen proceeded with charging us. They eventually started sending us statements that had outrageous amounts charged onto our mortgage. Shortly after, they started sending us foreclosure letters threatening to sale our property in a short sale. I fought for months and months, calling the company, asking for a loan modifications that they denied several times, I filed complaints with the CFPB ( Consumer Financial Protection Bureau ), I hired XXXX lawyers to assist in the matter and still, nothing was ever fixed. I have proof of every payment that was sent on time and all the complaints I filed with Ocwen and the CFPB. With Ocwen continuing to threaten us with foreclosure although it was not a mistake on our parts, we then reached out to a bankruptcy attorney XXXX XXXX in XXXX, Texas. She advised us in order to get this company behind us, we would be forced to file for bankruptcy. We then filed in XX/XX/XXXX. After filing, we then discovered that Ocwen has a major lawsuit against them ; they have also sent us letters stating that they have established a voluntary claim program to provide payments to borrowers who may have received certain misdated letters. This company has ruined our credit history for the rest of our lives and now we can not purchase a home. When we were forced into bankruptcy we did not mismanage our funds and we did not even have enough debt ; we had to go get a car to create more debt in order to file. This company has taken our home for no reason and now have a lawsuit online " Ocwen, Assurant Near $ XXXX Settlement in Class Action Lawsuit ''. But what about our credit report? We are victims of foreclosure FRAUD!!!!! The foreclosure needs to be taken off of our credit report so that we can get another home for our XXXX children. We recently XXXX. We want her to have a home to call her own. Ocwen stole from us and we did not deserve this at all. We have suffered emotionally, mentally and physically. I was XXXX due to stress. We are not seeking to get money although it would help us recover from the financial strain we went through. Our main goal in this is to get the foreclosure off of our credit report so that we can qualify to purchase another home. No one is listening to our complaints, the credit bureaus are not fixing our credit reports. I contacted the law office of XXXX, XXXX and XXXX and Attorney XXXX stated that he is just too busy to take our case. No one is helping us sir. I know you are busy sir, but we need your help PLEASE! Please take time to look into this issue and help us recover from this wrong doing. May XXXX bless you.
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| 07/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have owned my home for 18 years and am facing foreclosure because my mortgage bank Ocwen Loan Servicing refuses to work with me, talk with me, or acknowledge my attempts at fixing the problem. I was overwhelmed with unexpected expenses a little over a year ago and it led to me being short on my finances and I missed the mortgage payment. I began trying to work this out with Ocwen, but they refused to speak with me and told me that my case was on hold so they could not talk to me about it. I did not know what this meant, and despite trying repeatedly over the next few months never got any straight answers. Meanwhile, I kept falling farther and farther behind. This could have been resolved after only a couple of missed payments because my financial crisis had passed. Eventually I found out that because I was in an unrelated bankruptcy action that Ocwen had determined that they could not talk with me about my delinquent mortgage payments. No one explained to me how or why this worked, or let me know that all that was needed was an authorization in order to discuss this.
By the time this was figured out I was already in foreclosure. I have tried to engage with Ocwen and get them to work with me towards a modification but instead of doing so they are scheduling a sale date. I have the resources to afford a fair rate and payment. My current interest rate ( 8.55 % ) is very high and I deserve the chance to be considered for all government, state and internal programs. This could all be avoided if Ocwen were to follow the rules and negotiate with me in good faith.
I served my country proudly in the United States XXXX for 26 years with a final rank of XXXX XXXX. I have worked as a XXXX XXXX for the last 21 years and recently retired. A little over a year ago, I had to replace the roof on my home and had major car repairs at the same time. This caused me to be short on finances and I missed the mortgage payment. I began trying to resolve this matter with Ocwen and asked to be considered for a modification. As explained, their agents would not discuss this matter with me, because of an unrelated bankruptcy that had been filed in XX/XX/2013. This had nothing to do with my late mortgage payments that I was trying to fix with Ocwen -- -once I got the hold removed on my case I expected that Ocwen would work with me to get a new review started. That was not the case. I still did not have an assigned account manager, I still did not get my questions answered and I was transferred from one department to the next and could not make any progress. This is very disheartening. Ocwen received billions of dollars in government aid from the taxpayers and they have a record of engaging in questionable foreclosure and servicing practices. All I am asking for is a chance to be considered for these homeowner assistance programs that were set up to help people such as myself. I feel that Ocwen is putting profit before people, which is especially galling considering my military service that kept this bank safe and secure.
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| 07/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2021, I made my regularly scheduled mortgage payment via phone to XXXX XXXX ( the current mortgage servicer at the time ). I received a payment confirmation number of XXXX for my payment of {$1700.00} at that time.
As of XX/XX/2021, servicing of my mortgage was transferred to PHH Mortgage. I was assured at the time that there was a 60 day " grace period '' where I would not incur any late fees, penalties, collection calls, or negative marks against my credit, and that my previous mortgage servicer ( XXXX XXXX ) would transfer any payments collected over to the new mortgage servicer ( PHH Mortgage ).
I tired to contact XXXX XXXX ( the old servicer ) multiple times on XX/XX/2021 and XX/XX/2021 but was only able to get to their automated system - no real humans were apparently available to talk. I followed up by contacting PHH Mortgage ( the new servicer ) on XX/XX/2021 at XXXX XXXX and discussed the matter with one of their representatives. This is when/where I was assured that there would be no issues with the XX/XX/2021 payment being transferred to the new servicer, as mentioned above. I was told it may take 1-2 weeks for the payment transfer to occur, but there was nothing further I needed to do about it.
Today ( XX/XX/2021 ) at XXXX XXXX, while at work, I received a collection call from the new loan servicer ( PHH Mortgage ). They informed me that they were calling to inquire about my past-due outstanding balance on my account ( the XX/XX/2021 payment made to the old servicer as outlined above ). I recapped all of the above information with the PHH Mortgage representative that called. They advised that they would notate my account with that info.
The next issue coming from all of this is that I now can not properly make my XX/XX/2021 mortgage payment through the PHH Mortgage system, because they are currently showing my account as " past due '' with a total balance of {$3400.00} due for XXXX. PHH Mortgage informed me that if I try to make my regularly scheduled payment of {$1700.00} they would count it as a " partial payment '' towards the {$3400.00} they show as being due, and that I would actually need to pay the full amount shown in their system to be considered current. This is in direct conflict with the information provided by the PHH Mortgage representative that I spoke with on XX/XX/2021.
I am not a person who pays their mortgage payment late. I am always on time - typically early. I need XXXX Lending to forward my XX/XX/2021 payment to PHH Mortgage immediately, and for PHH Mortgage to correct their issue in this matter, and allow me to make my XX/XX/2021 payment as normal. The XX/XX/2021 payment is an issue between PHH Mortgage and XXXX XXXX that I have no control over.
I expect to receive NO ADDITIONAL COLLECTIONS CALLS from either mortgage servicer on this matter. Perhaps PHH Mortgage should be making their collection calls to XXXX XXXX instead ....?
I appreciate your help with this matter. Please feel free to contact me should you need additional information.
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| 08/27/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Back in XX/XX/XXXX, I started applying for modifications due to the fact that I lost employment. My mortgage company was IndyMac Bank d/b/a XXXX. There were several programs that were being developed due to the economy. I had completed several modification trial periods with the XXXX XXXX. After every trial period, the bank would literally send me correspondence stating the house was in foreclosure with a sale date. I would contact XXXX to figure out what was going on. They had me to do the modification process over and over again. Finally, my house was foreclosed on in XX/XX/XXXX. I had been contacting XXXX and XXXX regarding my loan for a good while and XXXX has an extensive phone log on me. I was put out of my house in XX/XX/XXXX by the XXXX. Before then I had contacted the Bank and they stated to me that there was no sale date on my account. These phone calls were made in XX/XX/XXXX and XX/XX/XXXX. I received the paperwork from the courts in XX/XX/XXXX. After being put out of the house, I started receiving paperwork from Ocwen Bank regarding a modification on the house. I contacted them and explained to them that the house was no longer in my name, It had foreclosed and I had gotten put out. They explained to me that they received this loan from XXXX XXXX and the house did not foreclose. I told them that I had not lived at the property in over a year. The paperwork kept coming regarding the loan. I contacted XXXX in XX/XX/XXXX. I spoke with a supervisor and she explained to me that the foreclosure was rescinded. She stated that XXXX XXXX contacted them and stated that they needed to investigate the situation because something was wrong. I was never informed about them rescinding the foreclosure. She apologized to me and stated that " we '' messed up and that the house was still my property and I could move back in if I wanted to. XXXX stated that I was in bankruptcy when they foreclosed so they had to rescind the foreclosure. If that is the case, they foreclosed on my property in XX/XX/XXXX not XX/XX/XXXX. The paperwork that was filed with the courts is fraudulent. They have since changed mortgage company again. It went from XXXX XXXX to Ocwen Bank now to XXXX XXXX. XXXX has since contacted me regarding a modification but the house is back into foreclosure again. Due to the fact that I was not in the property for a year. Ocwen Bank and XXXX XXXX has both stated that they did not know anything about the foreclosure. I do believe that XXXX has lured me back into the property to foreclose on me again. Once I moved back in the property, everything was taken out of the property. All the appliances were gone. I contacted XXXX and Ocwen Bank. They both were blaming each other but neither of them would replace the appliances. But they both are coming after me regarding payments and bringing the loan current. Now, XXXX is harassing me for all the past due regarding this property and the property is now in foreclosure status. Something has to be done regarding all this illegal transactions being done.
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| 09/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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We requested a loan modification last year XX/XX/XXXX from Ocwen, in XX/XX/XXXX, when we completed the trial modification they stated they sent a form for us to sign and return, which we did not receive until after the date Ocwen had set for the deadline to return it. So the modification process was restarted but Ocwen transferred our loan to PHH. We made the trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and returned the required documentation by the deadline. We still have not received as of today any notification if it was approved. We made all payments through the website via XXXX XXXX throughout the trial process or on the phone. We have tried numerous times to make our XX/XX/XXXX payment the same way and the customer service representative states its not possible because our modification has not been approved yet. Finally on XX/XX/XXXX the website shows our suspense payments as applied, however first they shows applied to the principal, then reversed and in multiple transactions applied as {$990.00} in misc fees. The customer service representative finally says the modification was approved XX/XX/XXXX, but they don't know why we are not allowed to make our payments through XXXX XXXX as we always have done. We have had problems for years starting with GMAC and Ocwen, now PHH. We bought our home in XX/XX/XXXX for {$180000.00} now 15 years of payments later the principal balance is over {$200000.00} depending what documentation the mortgage company sends and a {$130000.00} balloon payment after we pay another 15 years! Not mention all the shuffling the mortgage companies and servicer 's have done over the years with bundling our mortgage in the trusts, we know and have proof that NO ONE COMPANY EVEN HAS LEGAL DOCUMENTATION or RIGHTS TO FORECLOSE! Every time we ask for Qualified Written Request they send a new falsified Corporate Assignment of Mortgage, the most recent is signed by XXXX XXXX XXXX, as the Assistant Vice President of XXXX XXXX XXXX, who is actually a attorney whose license was suspended by the Supreme Court of Pennsylvania in XX/XX/XXXX, and has a Law office in XXXX, Florida but is not eligible to practice law in Florida according to the Bar Association. Evidently he has continued his unethical practices by starting a side business of falsifying mortgage documents. We need someone that has some sense of ethics to help us out of this mess that has been made of the mortgage of our home through years and years of deceit by mortgage companies, servicer 's, attorneys. Today, now that our current servicer ( PHH ) has refused to accept our payment for XX/XX/XXXX by phone or XXXX XXXX, which is they way we have always paid, and state they now want us to mail a check so they can post it whenever, if ever, they decide to say it was received which now will be late, only because they " have not updated their system on the on modification approval. '' And all the funds we paid during the modification process were posted as misc fees rather than any money towards our principal.
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| 01/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I will sum up the issues with a short detail paragraph however if someone can contact me directly at XXXX. I would like to further explain.This letter explains the issues with the Ocwen who is now under the name PHH mortgage services. We were current on our loan however do the Ocwen who keep sending our payments back over a several times for months cause our bank account overdraft fees and more. Please see payment history were this is the second time this was done which is the cause for our defaulted payments. We would send our payment they would then send them pack indicating our bill was over 90 days behind which wasnt true. I explained to them that payments was sent and received by them now why their processing team process the payments later was not our issue. However they continued to send our payments back with out reading the notes on the account. Which cause our accounts to be thrown off repeatedly in fees we couldnt continue to pay and pay our mortgage and along with their late fees they want to keep applying to our loan. Please review payment history and notes on the account reference the dates. And review dates on payments copies. I also have certified mail as to when they received the payments as well.
Note this is the same they did when we first sent a request for loss mitigation help. They keep saying the income was not readable. But again that was a internal issues that they put on us as the mortgagor. Because we not only emailed the information its was certified mail to PHH and the law office of XXXX XXXX XXXX who also sent it to them as well and it was faxed. So I had to fight this fact that the imaging not clear was on the department that was scanning them in. We are looking to seek a class action suit against PHH/ Ocwen for misrepresentation on our loan.
Currently right now my loan is under a appeal for review of a loan modification denial. I have several questions regarding if their decision. However they have not requested any type down payment of payments in order to obtain a modification on our loan they just denied the loan request. However they have not offered a forebrance at all. In the mean time what has taken place was they have schedule a sale date without providing us with a answer regarding our appeal. But under their guide lines if we want to apply for any other loss mitigation programs after we received their decision they have strip us of our 30 day time period by rescheduling a sale date while we are still under review. What they have said that if its ' approved then the date will be stopped. But if its not approved then they will go thru with our sale.And we will not be able to apply for any other loss mitigation option example a short sale, Because those would have to be applied 30 days prior to the sale date. While under view your not able to apply for any other loss mitigation either. Please explain this under the law how this is lawful of the servicers to conduct business. Its like they have already made a decision by setting a sale date already.
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| 05/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The Current issues and concern I have are : XXXX. PHHs failure to properly service the account and ; process and apply payments in the total of XXXX made to PHH on XX/XX/XXXX For the reinstatement of the mortgage and escrow account.
2. That as of XX/XX/XXXX PHH has stopped properly servicing the mortgage account due to the fact despite my repeated request for an accurate copy of the monthly mortgage statement.
On XX/XX/XXXX, XXXX XXXX Consumer Account Analyst of PHH informed Texas Department of Savings and Mortgage Lending : a reinstatement of {$17000.00} was provided, were applied to satisfy past due payments, {$2500.00} was posted to cure the escrow shortage, and {$380.00} posted as an additional principal payment.
On XX/XX/XXXX, XXXX XXXX informed Texas Department of Savings and Mortgage Lending : ..the HAF request included the escrow shortage. The escrow shortage is not determined by the appraisal district, rather it is the amount lacking in the escrow account which would result in a payment increase. The funds received were posted correctly The records of XXXX XXXX XXXX XXXX I presented to Savings and Mortgage Lending Is to show that prior to the payment made on the XXXX of XXXX there were no shortages in escrow.
The mortgage statement dated XX/XX/XXXX not only reflects the total amount due for past payments but also, the amount in escrow which may result in a escrow shortage and/or payment increase.
After the reinstatement of mortgage, no records support PHH claims of : 1. A lack, or shortage in the escrow account that would result for an extra XXXX cushion.
2. An increase of the mortgage payment in the amount of {$1500.00}.
3. A account balance due for the XX/XX/XXXX.
XXXX XXXX also stated On XX/XX/XXXX, .PHH does not determine the assistance available or how to apply it. PHH applies the funds it receives from HAF according to HAFs instructions and these instructions we followed when PHH applied {$17000.00} to this account.
Tx Haf provided me with the instructions and guidelines regarding their mortgage Reinstatement Program. [ See attachment Enclosed. ] A reinstatement program is, by definition, to cure delinquency.
Since the reinstatement of mortgage, PHH has failed to Fully comply with Tx Haf program and has stopped properly servicing the mortgage account.
enclosed documentation : 1. my compliant to Texas Department of Savings and Mortgage Lending.
2. Information showing : the balance outstanding balance prior to the {$17000.00} payment [ see statement dated XX/XX/XXXX ].
3. Information showing there was NO escrow deficiency or shortage prior to the reinstatement of mortgage [ see XXXX XXXX XXXX XXXX receipt and statement ].
4.Information showing : the original fixed mortgage payment of XXXX [ see statement dated XX/XX/XXXX ] 5.Information showing : PHH are providing me inaccurate monthly mortgage statements [ see mortgage statements dated XX/XX/XXXX and XX/XX/XXXX ].
6.PHH correspondence submitted through Texas Department of Savings and Mortgage Lending.
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| 12/20/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My mortgage was transferred from Ocwen Mortgage to PHH Mortgage. Since the transfer I have experienced so many issues. I was set up on a payment plan. I acquired an additional job so I can make the payments. When I sent in the XXXX payment due XX/XX/2019, I was told that they did not receive it. I have called every other day to find out how this issue can be resolved. I was told to send a copy of the receipt of the money orders. I emailed, faxed, and certified returned receipt the receipt. I called and called and was told it was not received. A few days later, I received a letter that an investigation was conducted and they could not find the payment. I called back 4 times a week, finally I was told that I needed to request a copy of the money orders. However, not any representative told me this and if this information was provided, this problem could have been resolved before it went to foreclosure. If fact, i was told that my house would not go into foreclosure because I had contacted them. In XXXX I sent the XXXX payment. 10 days later, I received the money back. When I called I was again told that my situation would be researched. It wasnt until I stated sending certified letters that I received two letter stating the situation was being investigated. When I received my statement in XXXX I contacted PHH to verify the amount I needed to send. It was then that I was told that it was in foreclosure. All I want to do is to pay the amount due so I can move on. They have already messed up my credit because my daughter 's student loan to complete this semester of schooling was due and now my daughter can not receive her grades and will have a hard time paying the balance due so she can return to college. I am a XXXX Veteran suffering with several illness. This situation has really affected me both physically and mentally. For, the past week I have contacted them requesting a new payment plan and/or the amount that is due. I have not received any information. In fact, when I called on Wednesday I was told that they do not have any record of my loan after I provided them with my address and my social security number. I need some answers and some help asap. I do not want to be added to the veterans homeless populations and I don't want my daughter to be a part of this culture. I contacted the Texas Regional Assistance with Delinquent Home Loans regional office representative, only to get talk to like a child. The only advice I was given is to contact your mortgage company. I have been on hold for up to 2 hours only to get a representative that transferred my call to at least 4 people and offering no advice to solve the problem. I either want to pay what I owe or be put on a plan if the fees are beyond what I can afford. I am waiting to receive a copy of the signed money orders so I can determine if in fact someone from PHH cashed them. I have verified that they have been cashed. Please tell me what I need to do to solve this issue. Its holiday time and I am aspirate to find a soluation.
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| 07/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Back in XXXX of XXXX I called Ocwen who is my mortgage lender because I was behind on my payments. The representative I spoke to suggested that I do a loan modification. I told him I would like to try that so he was sending me the paperwork. I asked him that if in the meantime I should bring my mortgage current because I could borrow the money from someone I knew. He said yes go ahead and do that. When I got the paperwork I gathered all the documents filled out the paperwork and sent it in. It came back denied, when I asked them if they could tell me why I was denied they told me that it was because I was not behind on my payments! I was angry because that person I knew that if I became current I would not qualify. Their response was that they always encourage people to make their payments! So I continue to struggle making my payments. And in XXXX of XXXX I was behind again. I had a law firm that was contacting me that told me they could help me get my payments 2 less than {$700.00} a month. I had my income tax return so I could have brought my mortgage current but the law firm told me not to because they would have to start their process I'm getting a new loan modification for me all over. That ended up being a disaster because they claim they did not know about a deferred amount on my mortgage and I ended up with a loan modification the changed my monthly payment from {$1000.00} a month to {$1500.00} a month. That was finalized and I started making those payments around XXXX of XXXX. I fell behind again and when I try to make a partial payment at the beginning of XXXX of XXXX the website told me that I needed to make a payment of {$5000.00} by XX/XX/XXXX. I proceeded to gather the money and a week before that date I called to find out if I could just make the payment over the phone. The representative I spoke to said I could do that. I asked him if it would withdraw that very same day because I had money going in that day and I wanted to make sure that the money was in there before the withdrawal came out. He told me that I could make the payment the following week and if that would be okay. So he said he would make a notation in my file that I was going to make the payment on XX/XX/XXXX of {$5000.00} over the phone. When XX/XX/XXXX came and I called to make the payment they said I could not make the payment. They told me I had to call a law firm and talk to someone named XXXX. When I called the number they gave me there was no one named XXXX working there but the woman told me that I was speaking to that she could help me. She said that she could get me a new reinstatement quote an email it to me within 3 days. When I received that quote it was for {$7400.00} because there were lawyer fees attached as well and the date I had to come up with that by was XX/XX/XXXX. I do not understand how a company can just tell people whatever they want and not honor the agreements they make. There is something very wrong with all of this and I believe that I have been treated very unfairly.
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| 04/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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In my original claim, CFPB and Ocwen addressed my complaint by focusing on the paper work and what the loan modification read. The deferred principal and loan modification are key parts, but this is about errors, lies and deception by Ocwen Loan Servicing LLC, to keep us in a house that was underwater. We relied on the deceitful information Ocwen sent us, upon which we made financial decisions, that damaged us financially. This is a claim and a complaint against Ocwen Loan Servicing LLC, not against the loan or a question of what is written in the modification documents. The original loan servicer, XXXX, convinced us to go into foreclosure in XXXX to get a loan modification and in XXXX, XXXX that happened, which increased our loan over {$40000.00} from an original amount of {$330000.00} to over {$360000.00}. We filed bankruptcy in XXXX XXXX and the loan became non-recourse. Ocwen took over the servicing and in XXXX, XXXX told us in writting that {$85000.00} of the loan could be forgiven, not deferred. The house was about {$90000.00} underwater, needed a lot of repair and we would have given it back, non-recourse and started over. Their own attorney stated " the statements were intended to encourage you to continue to make timely payments, which is exactly what you did '' and stay in the house and spend money on it, thinking we had {$85000.00} in equity, at a time there was negative equity in the house. Two years later, upon my request for paper work, Ocwen told me the {$85000.00} was not forgiven and since that time they have been delaying and passing us around in an apparent attempt to get us to go away, get frustrated or get more value for the house in an improving market. They also were very eager to provide documents for a deed-in-lieu of foreclosure.
We lost everything in the recession, had to go through a loan modification that increased our loan over {$40000.00} from the original amount, filed bankruptcy, my wife was given XXXX, my father-in-law was going through a divorce at XXXX, our house needed a ton of work and I am XXXX XXXX XXXX with no XXXX. There were other opportunities out there for us to start over, rather than be at least {$90000.00} underwater, which this house was.
In terms of financial damages, in XXXX XXXX our house was still about {$90000.00} underwater and it made sense to give it back if the {$85000.00} was not forgiven. Ocwen confirmed that the {$85000.00} was forgiven in the letter dated XXXX/XXXX/XXXX. We have spent over {$50000.00} on the house with the assumption the {$85000.00} was forgiven and it still needs about {$60000.00} more spent on it to get to what Ocwen claims is the fair market value. Then we would still loose about {$60000.00} plus opportunity cost of a new house of at least {$140000.00}, without the {$90000.00} loss. My math says that is about {$250000.00} and damages.
Is there any program with CFPB or the regulators, that can help me pursue this claim or do I need to involve my attorney?
Thank you for your time, XXXX XXXX
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| 06/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I filed a previous complaint # XXXX. The company responded on XX/XX/XXXX. However, they failed to send me a copy of their response. Their response is focused on their interaction with the loan owner rather than addressing whether or not they violated my rights as the Successor-In-Interest ( SII ).
They stated that in XXXX, I " submitted documents to review the account for modification assistance, however, each time the modification review was cancelled as you failed to submit the requested documents within the stipulated time frame to proceed with the modification review. Enclosed are the copies of the cancellation letters for your review. '' The cancellation letters were never received because they were sent to the wrong address. The address on the application for modification is clearly the addresss of the property not that XXXX. XXXX. Hence, I never received any documents and can not be held accountable for not receiving documents. In addition, when I contacted the company they refused to allow me to check on the status of my application. ( See attached email dated XX/XX/XXXX. ) They further stated that there were no calls or written correspondence from me from XXXX to XXXX. That can not be true given that my name is not on the loan and I was unknown to them until I submitted my divorce decree in XXXX and subsequent correspondence. In addition, if there was no calls or written correspondence from me then how on earth were they able to sue me for forclosure in XXXX. Then dismissed the case without prejudice when they realized I was not on the loan.
In their response they stated, " Upon review of the court order, on XX/XX/XXXX, you were added as teh Successor-In-Interest ( SII ) on the account. '' However, they provided no documentation of such letter for review. The letter was sent in XX/XX/XXXX which I attached to the previous complaint as evidence that they violated my rights.
Documents that should have been sent to me were sent to the wrong address. And the other documents were to Mr. XXXX pertaining to his trial modification plans that I had no knowledge of. Hence, I can not be held accountable for that information especially since they company refused to provide me any information on the account. Even the PHH Ombudsman sent a letter in XX/XX/XXXX stating they could not provide me information on the account.
They stated they received documents for modification assistance which is currently under review. You will be provided withthe outcome shortly. '' Ironically, the next day a letter dated XX/XX/XXXX denied the modification. However, the did not evaluate a Repayment Plan. And I did not receive the letter by mail. I just happened to call the company because the 30 days were up. Had I not called, I would have no knowledge of the letter and I would have missed an opportunity to appeal.
Lastly, the question that has not been addressed is ... Did PHH violate my rights as the SII and did they comply with the CFPB regulations regarding SII policies? Yes, they did.
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| 03/31/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I do not owe a {$91000.00} mortgage on the property at XXXX XXXX.
I do not use a {$100000.00} line of credit I paid off in XX/XX/XXXX.
I do not use a {$24000.00} line of credit I paid off in XX/XX/XXXX.
I did not refinance a {$33000.00} VA loan on XXXX XXXX.
I did not borrow any down payments I paid off the {$260000.00} loan released in XX/XX/XXXX with the {$260000.00}.
They want me to pay again.
I paid off the {$240000.00} balance with the {$360000.00} I paid to Indymac.
I paid off the {$49000.00} XXXX principal balance with the {$49000.00} paid to XXXX and {$5700.00} paid to XXXX.
I paid the taxes and and insurance with the {$70000.00} difference in the 7 % XX/XX/XXXX mortgage supposedly paid off in XX/XX/XXXX and the {$260000.00} Indymac/XXXX mortgage at 4.34 % The XX/XX/XXXX XXXX loan paid off the XX/XX/XXXX mortgage that was refinanced in XX/XX/XXXX The XX/XX/XXXX refinance paid off the loan recorded and released on my neighbors lot XXXX in XXXX XXXX.
Paid off again by a XXXX mortgage from XXXX XXXX that did not pay off anything.
XXXX XXXX used a paid in full line of credit to pay off a VA loan I had already paid off.
And a {$24000.00} line of credit along with the {$18000.00} paid to XXXX/ XXXX {$9400.00} + {$2700.00} {$14000.00} of credit to pay off {$14000.00} paid to midland I wish to pay off the current balance with the {$120000.00} lines of credit and the {$91000.00} mortgage on my duplex.
{$220000.00} + the {$130000.00} + XXXX {$140000.00} paid to the VA mortgage.
= {$360000.00} They only owe me {$140000.00} for the VA loan.
Credit cards. They can use the {$170000.00} individual payments to pay the {$100000.00} principal balances ( that were also discharged in my bankruptcy ).
They can return the remaining {$73000.00} credit and the {$30000.00} paid to XXXX for the {$100000.00} line of credit. And refund the {$24000.00} used to pay the escrow to the duplex for the new buyer for the {$4700.00} Ocwen loaned me on my {$5000.00} HAMP incentives. Instead of the {$5700.00} XXXX payments Ocwen used to pay to XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX taxes they did n't have to pay ( because I paid it off early ).
In all I have paid all of the {$510000.00} on the XX/XX/XXXX mortgage I had paid all of the {$130000.00} on the XX/XX/XXXX duplex loan.
I paid all of the {$99000.00} on a VA loan I assumed and never refinanced.
For the above I paid all monthly payments with taxes and insurance to pay off 15 year loans on each property.
Plus the {$41000.00} duplex payoff in XX/XX/XXXX and another {$62000.00} to XXXX XXXX from the foreclosure.
I didn't/do n't owe anyone anything on the VA loan paid in full I did n't use or authorize and gave no one any security interest in a line of credit on my duplex from XX/XX/XXXX.
I did n't use, mortgage or owe anyone any money on {$24000.00} line of credit on my house from XX/XX/XXXX.
I do n't owe and could not mortgage my neighbors property.
I do n't owe anyone else anything for any other recording errors.
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| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH mortgage recently sent me a notice of default and intent to accelerate letter. This letter claims they have not received a payment since XX/XX/XXXX. In XX/XX/XXXX I received notice that I was approved for a mortgage modification which I applied for in XX/XX/XXXX when my husband got sick and was no longer able to work. The trial modification was to go from XX/XX/XXXX - XX/XX/XXXX. If I complied with the terms I would be offered a permanent modification. I paid every payment in that time period not just on time but early. At the end of XX/XX/XXXX I received notice that I was being offered a permanent modification and the paperwork was in the mail. I continued paying per the terms of the trial modification while I waited for the paperwork. It took two months and several phone calls and emails before I finally received the new modification agreement. I immediately signed it before a notary and sent it back. I also sent my husbands death certificate and proof that I was entitled to the property as my husband had passed away in XX/XX/XXXX. I didnt get any response, however, shortly after I sent in the permanent modification paperwork I lost access to my online account, I could not log in. After several emails to customer service I regained access but I could no longer make payments on line and all the account information changed. Neither the temporary modification nor the permanent modification were reflected on the on line account information, and none of the payments I made under the modification were shown. After several months of phone calls, emails and complaints I received via XXXX the permanent modification paperwork and the agreement to assume the mortgage. I immediately signed and returned the paperwork via XXXX with delivery confirmation. Still nothing changed in my online account. I have made every single payment per the modification agreement since I received it, and every one was on time. I used cashiers checks from my bank and sent every payment certified with signature confirmation return. Every. Single. Payment. Was. Made. I have evidence of every payment. So why are they sending me a notice of Default?
PHH also refuses to send any correspondence to me, they send mail addressed to my late husband. The mail is returned because the post office was notified of my husbands death. Ive sent countless emails requesting that everything be addressed to me, all are ignored. I didnt receive tax documents because they were addressed to my husband. I havent received any correspondence from PHH at all, except for this notice of Default letter. That they managed to address to both my husband and me. My payments have been made per both modification agreements, I have proof of every payment sent and received by PHH, but still they want to foreclose on my home. To them this is a great opportunity to take advantage of a widow in a vulnerable position who happens to have a somewhat valuable property. This is a scam and it absolutely should not be allowed to continue.
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| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Once again PHH is failing to properly service my mortgage. Currently they are failing to apply my payments to my account or offer any explanation as to why. PHH received my XXXX payment on XX/XX/XXXX, I have the signed return receipt from the post office that shows the date they received it. On XX/XX/XXXX and again on XX/XX/XXXX I received emails from PHH informing me that they have not received payment and my home is in danger of foreclosure. On XX/XX/XXXX I sent a qualified written request asking for an explanation of what was done with the payment they received on XX/XX/XXXX. To date I have not received any response or acknowledgment that this qualified written request was received. Per the return receipt it was received by PHH on XX/XX/XXXX.
In the beginning of XXXX I sent another qualified written request concerning people coming to my home and taking photos. Since XXXX of this year people have been coming to my home, taking photos, walking around on the vacant land and even driving up my driveway. All areas are clearly marked private property. During XXXX and XXXX there were numerous different people here doing these things. At least once per week someone was here taking photos. Some weeks there were several different people. Since XXXX there has been only one person that I am aware of coming and taking photos. This person is here almost every week. There have been occasions when its been less than a week between visits. PHH mortgage has told me that they have a right to check on their investment, my home, so I believe these people are coming here on behalf of PHH. I also believe that weekly or even monthly visits are very excessive. This feels more like harassment than a mortgage company checking its investment. I currently have another property and mortgage with another company, and in the ten years I have had that mortgage I dont think anyone has ever gone to the house to take photos. I am attaching photos to show what it looks like when this person is here. It is very disturbing and invasive.
At the beginning of XXXX I sent PHH a qualified written request asking if these people have been here on behalf of PHH. I also asked if I am being charged for all of these visits. I requested a statement showing any charges that have been added to my account for these visits to photograph my home. To date, XX/XX/2020 I have not received any response from PHH. Per RESPA, mortgage servicers are required to respond in writing within five days of receipt of a qualified written request or notice of error. It has now been over 30 days since they received my first request and I havent gotten any response. I have sent a second qualified written request for the same information.
I would like to know what has been done with my XXXX payment and my XXXX payment since that hasnt yet cleared my bank either. I would also like to know if these people photographing my house are here on behalf of PHH and if so am I being charged? Please send a statement showing all charges if I am.
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| 12/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
|
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First, some background : I originated my conventional mortgage in XX/XX/XXXX. The mortgage requires taxes and insurance to be escrowed and has been serviced by PHH Mortgage Services since inception. I have never had a late payment since inception.
I have had an escrow disbursement sent each year in time to pay the Property Tax in the year in which it is billed. This has not changed since the loan was originated.
In early XXXX, PHH sold my mortgage to XXXX, but PHH retained the servicing rights. In XX/XX/XXXX, I received a mailing from XXXX c/o PHH requesting me to indicate my preference for payment of my property taxes. I returned the form letter on XX/XX/XXXX via FAX indicating my preference to retain my standing practice to pay in full each year, when billed.
On XX/XX/XXXX, I checked the status of the escrow online and saw no indication that the payment was made or pending, so I called the Customer Service at XXXX/PHH. They told me XX/XX/XXXX was not a timely response and that they could not initiate a payment in XXXX ), but would submit a request to expedite.
On XX/XX/XXXX, the online portal showed there were three installments scheduled for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX ( changed from XX/XX/XXXX status, but incorrect per tax bill requirements ). I placed another call to PHH Customer Service. I spoke to a XXXX, who explained that XX/XX/XXXX was after their deadline and they could not issue a payment in XXXX. I asked to escalate the call and after TWO hours was connected with XXXX ( employee ID XXXX ). XXXX familiarized herself with my issue and put me on hold to check what could be done by contacting the Tax Department. After a reasonable delay, she reiterated that they could not issue a payment in XXXX as I had missed the deadline on their form letter. She was not able to offer any further level of escalation for the supervisor of the Tax Department or their supervisor. She was only able to offer a PO Box to which I could send a written Notice of Error. There was no email or fax option that could address the issue in a timely way.
The impact requires me to front {$8700.00} out of pocket to pay Property Tax in order to include in my XXXX income taxes. This doubles the funds that I've already contractually placed in escrow with this mortgage servicer, who is unwilling to send payment within a 30 day window ( from XX/XX/XXXX written direction ). This is at best willful incompetence and at worst, a deliberate fraud committed by a fiduciary to the consumer market.
My issue : This organization instigated a process that required a response from me on a timeline that, absent my response, changed my standing direction on tax disbursements. I believe this is a deliberate strategy to hold thousands ( or millions? ) of consumer escrow payments in this way to create a financial benefit in favor of PHH to the detriment of consumers. I request that the CFPB investigate this as an example of what I believe to be a deliberate fraudulent scheme by a fiduciary.
|
| 04/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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We received the Trial Modification from Ocwen on XXXX/XXXX/XXXX and returned it immediately, signed and notarized. Subsequently, it was confirmed that the XXXX " Trial '' payments were due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for {$1800.00} each month. In the interim, I had contacted XXXX XXXX to see if I was eligible for any assistance because I was unsure how long I would be unemployed. Luckily, I was eligible for their Unemployment Assistance program which could pay the mortgage for up to eighteen months, if needed.
As things turned out, I found employment with the State of California shortly after being approved for assistance ( although I would only receive a monthly paycheck ) and needed to wait 30 days for the income to begin. Again, things worked out insofar as the policy of the XXXX Unemployment Assistance program was to provide a four month " cushion '' of mortgage payments AFTER XXXX is re-employed. As a result, XXXX made a LARGER payment of {$2000.00} to Ocwen for FIVE months, per Ocwen 's instructions. Ocwen received a payment of {$2000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these payments were confirmed by my wife and I as being paid by XXXX and received by Ocwen prior to their respective due dates. We had spoken with associates at XXXX and Ocwen each month to insure that the " Trial '' payments had been paid and received. We specifically referred to these as " Trial '' payments when we spoke to the Ocwen associates, who confirmed they were received and said that the Permanent Modification would be forthcoming, once the XXXX Trial payment was received.
For this entire FIVE month period of time, Ocwen collected these " Trial '' payments for the INFLATED amount and NEVER notified us, the property owners that the modification was in jeopardy. We were unaware that seeking assistance from XXXX violated ANY rule against the acceptance of a modification from Ocwen ; after all, we had already accepted and notified Ocwen of our acceptance of the trial modification. Also during this time, Ocwen did NOT inform XXXX or us that the amount they asked XXXX to pay on our behalf was greater than the contractual Trial Modification amount or that the payments were to be used for any other purpose than the " Trial '' payment in which it was intended and confirmed with XXXX to be applied as. Ocwen was completely aware the payments were coming from XXXX, because they informed XXXX to pay the {$2000.00} amount to them. In fact, Ocwen appears to have waited until the KYHC Unemployment Assistance was terminated and the last payment was received, BEFORE sending the decline letter. A highly dishonest and unethical business decision.
If Ocwen had once mentioned to us that by having XXXX make the Trial payments for us, that we would lose or modification, we would never had accepted the XXXX Unemployment assistance. But at no time, did Ocwen say anything at all. They did not communicate with us at all.
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| 04/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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Due to a financial hardship when I purchased and had installed a new furnace I requested a loan modification in XXXX XXXX through XXXX ( XXXX ) with IndyMac Mortgage Company. IndyMac requested from me the same documention and information over and over again, with no resolution as of XXXX XXXX. Due to the financial hardship my mortgage was behind by XXXX payments. Upon sending my XXXX payment which was late the payment was returned. The lender was not working with me, would not accept my payments and by XXXX XXXX I received foreclosure documentation to be effective XXXX XXXX, XXXX. One week prior to foreclosure I received a XXXX alternative trial loan modification with IndyMac in XXXX XXXX on an original loan balance of {$72000.00} with a monthly payment of {$700.00}. The trial loan modification required that I paid {$500.00} for XXXX to XXXX and a permanent modification would be granted if I was in full compliance. A full modification was granted in XXXX XXXX with an unpaid principal balance now of {$77000.00}. There was an escrow shortage in the amount of {$1100.00} with the monthly payment of this shortage to be paid over a five-year ( 60 months ) period. This monthly payment has been already included in the monthly escrow payment. Review of OCWEN 's Annual Escrow Account Disclosure Statement Account History now reflects a NewLoan Setup Fee and which there should be no modification fee. This is not a new loan and assignment or transfer of this loan from the previous servicer, IndyMac to Ocwen effective XXXX XXXX, XXXX does not warrant the fee assessed to this loan. My escrow is to be used for taxes and insurance and this servicer by federal lending guidelines are now violating fair lending laws and are exhibiting predatory violations. Communication with OCWEN has been tedious and frustrating because I initially responded in XXXX and their response in XXXX XXXX is as follows. Please be advised that the servicing of the loan was relocated from XXXX Ocwen servicing location to another on XXXX XXXX, XXXX, with a negative escrow balance of {$790.00}. OCWEN caused the negative escrow balance when charged the NewLoan Setup Fee. This is not a new loan and relocation from XXXX Ocwen servicing location to another is an OCWEN charge not a charge to the consumer or customer. This act is predatory and the loan modification clearly states that the escrow shortage on this loan is included in my current payment. Additionally, my mortgage payment changed, in XXXX, it was {$500.00} and in XXXX it went down to {$490.00}. OCWEN 's attempt to assess 18 months later an unauthorized charge to my escrow that only allows for taxes and insurance is a predatory act and blatant violation of Fair Housing, Fair Lending and Mortgage Servicing Laws and is illegal. In summary the prior Loan Servicer, IndyMac Mortgage Services verified that this is a loan transfer effective XXXX/XXXX/XXXX and transfer of the servicing of this loan does not affect any term or condition of the mortgage contract.
|
| 06/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
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My husband and I are writing to inform anyone and everyone about our predicament. In 2006 we refinanced our home with our " financial advisor '' who obviously swindled us into a deal that we can not get out of. We have tried working with our loan servicing company at least 2 times to get a fixed, lower interest rate and were always denied. So unfortunately, we decided to pay XXXX XXXX XXXX XXXX {$3000.00} because they guaranteed that they could help us negotiate with OCWEN. Another swindler. We are in an upside down mortgage and just wanted to lower our interest rate and make it fixed!
Why are good people like us continually running into this issue? We pay our bills on time and have never missed a house payment, although others have advised us to stop paying the house payment so that we can get help, and because of that, we can not get a simple, permanent reduction in our variable interest rate. Is this legal? Certainly it is n't ethical!
After XXXX agonizing months, with us repeatedly sending OCWEN our documents, they denied us again. Why does this keep happening to us? Because they want our money and because we can pay so that means that we do n't deserve a break?
So after returning from being with my sister for 2 months who is currently undergoing XXXX for XXXX XXXX, we tried to get help from XXXX XXXX. The man was helpful and quite nice, but after XXXX minutes we found out that they can not help us because our original loan was not financed through Fannie Mae or XXXX XXXX. So for this reason, we do n't qualify. Is this our fault? Is there nothing that we can do to just get a fixed, lower interest rate???
So I would love to know if there is anyone, anywhere, who can help us? We just found out within the past 2 weeks that my husband 's income will be reduced by {$5700.00} a year because our legislators took money away from the most vulnerable people -- the children. He is a XXXX in a XXXX XXXX school and has been receiving that money for working an extra hour of instruction each day but because his school population has only 85 % free and reduced lunch, they no longer qualify for this benefit of an extra hour of instruction. This happened to XXXX out of the XXXX schools that have this XXXX XXXX hour. Since I am a retired XXXX and am on social security and my retirement pension, that is a big chunk of change coming out of our pockets each month. But did our legislators care about robbing our students of a quality education just because they are n't poor enough? Really? So now just at his school, that 's about XXXX teachers that will lose that money in a time when the prices of everything goes up but their salary.
Just like the children fall through the cracks, now we fall through the cracks because we do n't qualify for any kind of help. Every time we try to get help, it is a draining process both physically and emotionally.
We believe they have NO motivation to help us because they will lose our hard earned money and we always pay our mortgage payment.
|
| 05/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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Over four years ago I was laid off from my job. I contacted my mortgage company, who first told me to apply for a HARP program, and that I could hold off on my mortgage payment until I got an answer, as the mortgage amount would be rolled into my new mortgage. I did not do this, I paid my mortgage on time. I was then told I did not qualify for HARP, but that they had some internal refinance programs I might be eligible for, had me go through the entire application process again ( twice, they " lost '' my first application ), and I was again told I could skip my mortgage payment while a determination was made. I did not skip the mortgage payment, and I was not given a company refinance plan either. I attended one of those mortgage conferences ( XXXX ) where lenders from all the different mortgage companies are there, and was told by a representative from Ocwen that the lender was not going to modify my mortgage and give me a lower interest rate. This was because with the amount of equity I had built up in the property it was more financially advantageous for them to wait and foreclose, even if it took a year! Finally, the mortgage company allowed me to pay an abated amount for three months while I searched for a job. I made these payments in full every month on time. At the end of the three months they sent me a bill for almost {$4000.00}, with a letter stating if I did not pay foreclosure proceedings would be instituted! In addition, they put a 30-60-90 day late note on my credit reports. I borrowed from family to save my home, and have paid my mortgage payments since. They did " modify '' my mortgage after that, from 6.625 % to 6.2 %, for 30 months, which has since expired as well. However, both the late payment marks, and the " modified '' mortgage note shows up on my credit report. I have repeatedly requested these be removed, by calling the lender directly and by requesting through the credit bureaus, and have been denied since they are " within their legal rights '' to keep these on my credit report. I went back to school and got a degree in accounting. I am afraid this type of black mark on my credit report might affect my ability to get a job in this field as they now run credit checks. It has been three years since these " late '' payments which to my way of thinking were not late to begin with, why will they not remove them? I was not told at the time that they would be treated this way on my credit report either. My original mortgage was not through Ocwen, I was sold twice before I made my first mortgage payment to the original, and then an intermediate mortgage broker, finally ending up with them. It was not because of bad credit, or because of missed mortgage payments, but simply rolled into a block of mortgages bought by this company. They have been a nightmare ever since, with poor communication, " lost '' paperwork, inability to manage escrow accounts, etc. Please help me, this severely impacts a credit report that would otherwise be quite good.
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| 05/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Owned home since XX/XX/XXXX ; mortgage has been sold/merged many times in 17 yrs ; 1.75 % was added to prime rate on my ARM ( right before closing in XXXX XXXX -- illegal, but I can't do anything about it now -- statute time has passed )... so then -- Last year, tried refinance but couldn't [ income / tax returns too low, etc. ] ; opted to call my current mortgage company, PHH/XXXX, whom said I could pay {$5000.00} or more and have my payment lowered -- via re-amortization; sent {$6500.00} lump sum, in order to lower my payment ( my payment was $ XXXX jumping to $ XXXX!! ) since the payment resets every XX/XX/XXXX. However the re-amortized payment was $ XXXX -- which was still too high/not easily reachable ( I'd lost the VA XXXX XXXX in XX/XX/XXXX XXXX well as my son 's $ XXXX rent/month in XX/XX/XXXX because he moved to WA ) ; rejected that payment ( still too high ) -- and asked for a loan modification/temporary modification of some sort ( I knew what kind of options they have, and I qualify ). Applied in XX/XX/XXXX ; they asked for additional details ; submit and re-submit all sorts of information and details for months since XX/XX/XXXX! -- when I knew my income had changed/was reduced back in XX/XX/XXXX! They've asked me give details and reapply into XX/XX/XXXX, and send letters out which take 5-10 days to reach me -- leaving me very little time to respond in time. My last full application was XX/XX/XXXX, which they accepted as 'complete ' -- however, they said 30 days or less for a decision, which would've been XX/XX/XXXX... more conference calls, etc., and its now XX/XX/XXXX. I've gotten conflicting letters and a conference call EVERY month -- not the Relationship Manager assigned to me ( I actually reached her once -- back XX/XX/XXXX ), but all conversations and all correspondence ( s ) have been as though they don't know what they're doing ( cross purposes ) AND, their final 'determination ' was that I have the ability to pay even though my 'assets ' have not been looked at properly! WHAT are the underwriters looking at??? -- the assets they ask for ( on application ) are not liquid!! AND they're denying a/ any -- modification. I sent information to them via the e-mail addresses they provided ( all this time, as I started with FACSIMILES back in XX/XX/XXXX, but they said they couldn't 'read ' them or they weren't 'clear ', etc. ) ; sent everything AGAIN on APPEAL by XX/XX/XXXX and XX/XX/XXXX deadline ; but alas they've pulled me along for so long, that I have become less capable of that mortgage payment -- have not paid XXXX or XX/XX/XXXX. XXXX is upon us -- I feel as though they've dragged me for months -- not really evaluating my liquidity/ability to pay -- my only income is $ XXXX. Their practices seem unfair or unsavory ; it seems they want to keep my home ( for gain ) ...!?!?!? ... as in short sale or deed in lieu, etc. They need to handle customers ' requests/credit -- much more carefully. My mortgage was paid every month on time for years!!
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| 02/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Back in XXXX of XXXX ( we have lived here since XXXX but refi the loan and had it put in our names inXX/XX/XXXX ) My husband lost his job due to illness. was fired after 5 yrs, because he was out sick and could not produce a note from his doctor that he was 100 % better to return to work his boss also thought he was to heavy to continue to do his job. he tried to get unemployment but was denied, so I had to try and restructure our financial situation for just XXXX income. I was having a hard time. by XXXX of XXXX my husband XXXX started XXXX and the future looked better but in the meantime I was only paying what I could to get caught up. In XXXX I paid for XXXX mortgage in XXXX I paid for part of XXXX..still falling behind I thought it would get better it didnt by XXXX XXXX XXXX was having XXXX and his health at XXXX was deteriorating.He went in to see the doctor the end of XXXX and they admitted him. He was in the hospital XXXX. Hospital bills were huge I had to take care of the home bills keeping lights on water cars with gas and food let alone his prescriptions still couldnt pay the mortgage. Every time I called to talk to Ocwen I got a different person, having to explain everything over and over everyone asked me to do a modification. I did and turned in XXXX pages of documents when I finally heard from them about 30 days later they told me some papers were missing to resubmit another package. Now we are in the end of XXXX and a nod is recorded and sent to our home. I called Ocwen again and they said to just go ahead and finish the package and send it back. I did and then I find out 8 days after I submitted the second package that the investors of our loan do not do modifications. Now they knew this from the begining but failed to tell us and had us do a whole other package only to reject it once again. Did they try to see if we qualified for other modifications? No they said they only did the " In house modification '' I asked about a pre payment plan they said I had to come up with XXXX in 3 days or I could not do it.I asked them why the deed of trust that came to our home was in my mother in laws name when we clearly had the deed recorded in our name. they said it didnt matter. I think it does I have yet to see the deed that we recorded to have the house put in our name in XXXX of XXXX. Now dont get me wrong but isnt it illegal to sell a piece of property under the wrong name? My mother in law has been dead since XX/XX/XXXX.I called and asked Ocwen if they had the " note '' associated with the deed of trust and they said they did I still have yet to see either the deed in the correct name or a promissary note. Please, theforeclosure sale of our home is XXXX XXXX, XXXX I feel they are rushing it cause we have XXXX in equity. Ocwen has not been helpful, has demanded money for a prepayment plan.Has not produced the right documents and has played with us regarding the modifications. If you can help my family please let me know.Thank you and XXXX bless
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| 09/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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It all started when I applied for a modification, I had not been 30 days late on my mortgage in over 2 years plus. On XXXX XXXX I spoke with my relationship manager XXXX and specifically asked if I needed to make my XXXX payment he said NO due to the fact that I had been approved for a loan modification and the trial period was going to start XXXX XXXX, I said to XXXX again are you sure that I will not be reported late to the credit bureau because I 'm a stickler for my credit, and XXXX said yes, you will not have to pay until XXXX XXXX. XXXX Ocwen Mortgage reported me late for XXXX as 30 days and my score declined on my credit report by XXXX points on my XXXX credit report. I contacted my relationship manager XXXX upset about the bad report and the dropping of my credit score, XXXX informed me to see a copy of my credit report showing that Ocwen had reported me late because his recording was not showing that, XXXX asked me to submit the information to the Research Dept, I faxed the information over on XXXX/XXXX/XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX stating that I had not paid my XXXX XXXX payment. I called XXXX on XXXX XXXX disputing this and he said that they would have to pull the call to see if he had informed me that I did not have to pay XXXX & XXXX payment. XXXX XXXX XXXX agent ID # XXXX informed me that I would have to make XXXX & XXXX payment when I called in around XXXX pm to check on the status of correcting my credit report. I received another letter from Ocwen dated XXXX XXXX, in forming me that they made a mistake and that they would be correcting my credit with the credit bureau as paid as agreed. On XXXX XXXX, XXXX I was reported once again as 90 days late and my credit score dropped by XXXX points this time, which affected me from applying for a refi, and credit line increase in which I needed for my parent XXXX XXXX anniversary, and one of my credit cards decreased my line of credit. On XXXX XXXX I called in and spoke with agent ID # XXXX around XXXX am and told her the spill on everything and she stated that she did not see that Ocwen had reported me 90 days late her records was showing me current, then she asked me to fax over a copy of my credit report that was showing late I refused because I had just gone through this and mentally and physically this was affecting me, I then and asked for her supervisor. Supervisor XXXX XXXX agent ID # XXXX took over the call, and told me that they had to report me late, and I said to him I have a letter stating that I was not late and my relationship manager told me that I would not be reported late. I explained to XXXX that I was a supervisor and this was taking me away from my job as well as employees, he then wanted someone as to join the call but they could not get on the call, I decided to end the call, before we hung up the supervisor stated that once the modification period was over and I had not been late that they would then correct my credit to current. NOT HAPPY
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| 07/17/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX I suffered some financial hard ships. Due to these hardships I was having trouble making my mortgage payments, my loan was turned over by GMAC to Ocwen Financial with out my knowledge. While I was making payments Ocwen was returning the payments but to the wrong address. I did not become aware of this until Ocwen notified me that my home was going into foreclosure. This was XX/XX/XXXX. I have had nothing but trouble with Ocwen since. This includes everything from setting up appointments with Relationship Managers who do not keep appointments, call at the wrong time or even call me at the wrong phone number. Numerous times Ocwen has changed my Relationship Manager without even telling me so it can take days or even weeks to find out who I am even suppose to speak with. I submitted an application for a loan modification back XX/XX/XXXX. I did not receive anything from Ocwen up dating me on my application. When again I finally was able to get a hold of who was my new Relationship Manager, I was told he could not speak to me telling me my account had been referred to an attorney. He was not able to give me a name or a phone number of the attorney. I was finally able to track down the attorney XX/XX/XXXX after many phone calls and internet research. I left messages for her for almost 2 weeks before I was able to reach her and when I did she told me that a repay had been set up and the first payment was due in 2 days. My mother who is on this loan called the attorney as I work and am unable to remain on hold for long periods my mother was told by the attorney, that she was not able not speak to her. This repay was not feasible and they told me to resubmit a new modification application, this was done in XXXX XXXX. I have had XXXX Relationship Managers since then. I can not seem to get the right information, the right person or the right phone number. Yesterday after finding out that I again have a new Relationship Manager I asked to be transferred to a manager and was transferred to a manager who actually told me he did not know his own phone number so I could call him back. He also told me he did not know his supervisors phone number. I was told yesterday that they needed more information on my new application. It was faxed over twice to make sure they received it this morning. I called to confirm they received it and have a fax confirmation. It has been almost two months and again I had not received anything from Ocwen. I had an appointment to discuss my application with my than Relationship Manager and she had someone else call to tell me she was busy and they called and left a message at the wrong phone number. I can not believe anybody can stay in business like this. I do not believe Ocwen has any desire to help me keep my home which by the way I have owned for 30 years. When this started with Ocwen my home was to be paid off XX/XX/XXXX. With all the charges and non-since Ocwen is tacking on I feel like it will be lost or never paid off.
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| 08/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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To keep property from foreclosure we made a payment of {$9300.00} on XXXX XXXX, XXXX. I have made the mortgage payment every single month since then. Ocwen says that there were additional fees after we paid the {$9300.00} of {$970.00}. I dispute that because they would not even accept the cashiers check unless it was for the FULL amount due. However, even if you count the {$970.00} and the 2 1/2 weeks insurance they say we owe from XXXX XXXX - XXXX XXXX, XXXX it still would NOT come out to {$5000.00} that they say is owed now.
HOW CAN THEY TAKE MY MORTGAGE PAYMENT AND APPLY IT TO THEIR BOGUS CHARGES?
I HAVE NEVER MISSED A PAYMENT SINCE XXXX XXXX They have ridiculous fees like " Property Inspection Fees '' do they come out and inspect the property? NO they do n't. And Certified mail.. really? They show that they send these out every two weeks ... .and charge a lot for them. I do n't get those. " Title Search '' for {$520.00}, Why would they do this? I am not buying the property again or refinancing it. And endless other needless fees and charges ... endless..
They did not accept my Insurance Agents faxes that she sent 3 different times even though we called and got the phone number to send it to. We had no way of proving that she sent them even though she did. It took months to get them to acknowledge that we had insurance and in the meantime they charged us for the insurance and additional fees.
So, because they applied my mortgage payments to their padded fees and taxes, the record shows that I am 2 months behind in my mortgage payments when I have NEVER missed a payment since XXXX.
In reality, the only thing that I possibly owe for is the {$970.00} of fees that came in after the XXXX XXXX payment. All the rest is their charges and fees that they have scammed me with. I called and tried to settle this many times, and was so frustrated that almost had a nervous breakdown. Then I just had to let it go until I could handle it. Seriously, dealing with people from XXXX who I CAN NOT UNDERSTAND WHAT THEY ARE SAYING and they can not possibly even begin to understand what I am talking about or relate to me in any way. Never speaking to the same person and not being able to have an extension to talk to the same person. Not being able to talk to someone here in the US. AND TELLING THE SAME STORY OVER AND OVER AND AND OVER AND OVER AGAIN until you give up. It 's a form of mental abuse. MENTAL ABUSE. Endless XXXX.
I want resolution. I do not owe all the endless fees and charges. I had home owners insurance and if they do n't accept my proof, it is not my fault. They are the best scam artists in the world .... claiming not to get the faxes or phone calls.
I paid my mortgage every month. I paid for homeowners insurance. They need to credit me for all their charges. Not even to mention that they turn me in every month to the credit bureau for something that is false. I am not behind in my mortgage payments or insurance. PLEASE RESOLVE THIS. Thank-you.
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| 09/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Filed for a loan modification in XX/XX/XXXX with OCWEN Loan Servicing. I was 2 payments behind and they already denied other remedies for the problem and told me I had to apply for a loan modification to fix this problem. I was ask for documents over and over and over again. I would send more documents and they would ask for more and more. I would try and talk to " Relationship Manager '' and she was NEVER available and was told it would be 3-4 weeks even with an appointment. Waited for calls and they would do nothing except for tell me that I needed more documents and say I did not send then. I have emails to prove the documents were sent. They ask for my ex husbands signature even though the loan had already been put in my name only years earlier, I was told there was nothing I could do except get his signature because his name was still on the loan. ( It was not ) They foreclosed on my home while waiting on the loan modification. My foreclosure was overturned in the middle of XX/XX/XXXX and I was told they were still working on the problems And I would be receiving a letter on what I needed to do.
I received a default letter a couple of weeks ago and I called XXXX XXXX that has been working the problems on my case and I was told they were NOT forclosing on my home and that she was sending an email to XXXX XXXX XXXX my relationship manager and ask her to call me about what I needed to do to get this issue fixed. I told XXXX XXXX I wanted to keep my home and I still needed the loan modification! I told her I would start making payments but I did n't want to make payments on a house they were foreclosing on! I just needed information on what I need to do to get this fixed!
Today XX/XX/XXXX I received another foreclosure letter, foreclosing on my house for a second time from attorney XXXX and XXXX, XXXX. ( See attachments ). Since I never heard anything from XXXX XXXX I sent emails with new paysubs, bank statements, lien release on my car. Everything I thought they might possibly need, even though I have not received another letter, or phone call! I received confirmation they received them. I did not get any follow up email, letters, phone call about my loan modification again! The only reply has been foreclosure papers!!!!!
Please, please, please help!!!! I do n't know how to deal with this company that will not respond!!! They sent a letter to Oklahoma Attorney General in mid XXXX turning around their demand for a signuture of my ex-husband that I had told them since XXXX they did n't need and ask them to look into this because it was wrong. I was hung up on, told to send documents I had sent over and over again, then told they are old now and I have to start over, then when I would get upset I was hung up on, told I was wrong, I would beg them to just actually look at the documents that I had sent and they would see that I had sent them what they needed, and that it would be weeks to make another appointment!
I NEED SERIOUS LEGAL HELP!!!
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| 09/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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As XXXX time home buyers we were unaware that the acts of the lender/broker were predatory in nature and violated several real estate laws/protection acts. We only recently became aware that the lender has violated every aspect of T.I.L.A./The real estate settlement procedures Act and all other laws covering real estate. We had no idea the C.F.P.B. was available or we would have filed a complaint long ago. Everyone needs to be aware of all laws/rules when buying a home. There are more scavengers then Wells Fargo out there. Interest was set at 11 % + but changed to over 14 % on the morning of the closing. We were distressed financially at the time of application and were shocked the loan was approved. We had problems paying the mortgage within three years. We filed for federal chapter XXXX bankruptcy in XX/XX/XXXX and paid it in full. It was discharged in XXXX. This was filed the United States Bankruptcy Court XXXX Pennsylvania case number XXXX paid in full and discharged on XX/XX/XXXX. During this time all past due payments/interest were paid in full. Lender was not allowed to charge any additional fees/interest/misc charges during this time. They did ... If the misapplied payments had gone to principle instead of excess fees/interest the loan would be paid in full and then some. To date lender has not and will not provide anything to show where payments went and how applied. We spent five years with no money to bring this mortgage current and stop the massive interest and uncalled for fees to end up owing as much or more then before. Now lender is trying to foreclose and still can not prove to us that we really owe anything. Now their original claim that we owed {$12000.00} has grown to over XXXX. Had the lender provided the requested information with any real money owed to them we could have paid it off. Now they are stalling and trying to proceed without providing us the proof contained in the payment and how applied history. The loan servicers were never made aware by the mortgage owner that the loan was in bankruptcy so they could charge correct interest and credits. We have been stripped of any benefit ordered by the Federal courts. Lender also proceeded with a foreclosure action while we were being considered for a loan modification. They have failed to provide proof that they have not made errors in accounting and they ca n't. We do n't owe Wells Fargo/XXXX/XXXX/XXXX or whoever they are now anything on this property or anything else. We have way to many documents to scan and attach, including the original loan agreement showing 11 % interest and dated a few days before the closing. The lender, seeing all documents, would give them time to prepare lies to show as evidence. This way I can show their errors and misrepresentations in court if needed and they have already committed themselves to a story. We are only allowed one option below but there are real, provable issues with all parts of this mortgage from start to now and continuing.
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| 08/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I would like to prevent others who have a mortgage or could have one in the future form being stuck with PHH Mortgage. I closed on my home in XXXX and had 2 mortgages- one a larger dollar amount, 30-year term loan and the other a smaller 15 year-term loan. I have faithfully paid both mortgages on time every month, even in XXXX when I was laid off from my job with XXXX XXXX in XXXX, NJ due to the company being acquired by XXXX ; it took me almost a year to find a job. Recently I have had the good fortune to have been able to pay off several student loans as well as my credit card debt. I am now working on my mortgage debt and paid off the smaller mortgage balance on XX/XX/XXXX ( {$1200.00} ). I paid it off online as that is how I always make my payments on this loan. Nowhere does it say a customer needs to call to get a payoff code generated, and that a check can not be sent that it needs to be a cashier 's check or certified check. The payment was deducted from my checking account on Tues. XX/XX/XXXX. Using the PHH mortgage online system, it ways the payment was received on XX/XX/XXXX. However under the messages for my mortgage, a message dated XX/XX/XXXX, says that the payment was applied into a suspense or holding account and that the cash management team will review this and apply accordingly within 24 to 48 hours. You will receive a new e-mail alert and message ones this amount is applied. '' I received no such notification as promised by their own stipulated review date and my account for this mortgage is still showing a balance for the amount that I paid XX/XX/XXXX. I called about this Monday XX/XX/XXXX and was told for the first time by XXXX ( id XXXX ) that to pay off the loan I had to call to have a pay off code generated and that the payment must be made by cashier 's or certified check. When I said that I just wanted my money returned to me and I would pay it off by paying my usual monthly payment, I was told that would take up to 10 business days, When I said that was unacceptable and far too long, I spoke to someone named XXXX ( ID XXXX ) who said she'd be able to waive the requirement for a cashier 's check and have it applied and would look into it and let me know if there was any additional balance that needed to be paid off prior to the payoff letter being generated. I was told she'd call me back within 24-48 hours ; she gave me a generic number with no extension to reach her. She ended up calling today and left a voicemail message stating to call her back with no other information. I had to wait 24 minutes on hold only to find out she was not available. The man I spoke to looked at the account and said she called to tell me there was no new news on the account and that she was on it. In all it took me 34 minutes to find out I was in the same place as I have been and I am still out the money I have paid them. Could you please look into this on my behalf and publicize the poor business practices of PHH mortgage? Thanks so much
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| 09/05/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Here is further proof that the transfer of assignment filed in XXXX County Land Records office on XX/XX/XXXX was fraudulent and American Home Mortgage Servicing Inc knew it was fraudulent.
When our mortgage loan became delinquent we received letters from XXXX XXXX XXXX, which is the first time we learned that the " holder of the note '' was XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. We made a qualified writted request - verification of proof of claim request of XXXX XXXX XXXX to provide copies of any transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX was the " holder of the note '' because no transfers or assignments had been filed in the XXXX County Land Records office that transferred the note or deed of trust from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was not able to provide any of the documentation to show the note or deed of trust was ever transferred to the trust.
We also made the same request of AHMSI and XXXX XXXX XXXX XXXX to provide copies of any transfers or assignments to show that note or deed of trust was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX 's website I was able to see the attached communication from AHMSI 's research department that shows the qualified written request - verification of proof of claim request that was made and a cease and desist notice that had been filed in the XXXX County Land Records office, which AHMSI decided to disregard.
There is also an attached email dated XX/XX/XXXX from AHMSI 's Legal Correspondence Group to disregard my cease and desist request regarding the foreclosure action and as we know, the fraudulent transfer of assignment was filed 10 months later.
The attached response from AHMSI 's Loan Administration Research Specialist were documents to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX was the holder of the note. But the attached documents just shows that as of XX/XX/XXXX, the holder was XXXX XXXX XXXX XXXX and that note and deed of trust had not been transferred to the trust, which is also evidenced by the title search we did in XX/XX/XXXX.
AHMSI had no idea that XXXX XXXX XXXX XXXX did not transfer the note or deed of trust to XXXX XXXX and requested that we direct our concerns to XXXX XXXX XXXX. As we know from the declaration of President of XXXX XXXX XXXX, XXXX XXXX XXXX did not own any residential mortgages to transfer as of XX/XX/XXXX. So how is the transfer of assignment that was filed in XX/XX/XXXX valid?
Again, we have not received any valid transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX is the holder of the note. We have been making this same request from XX/XX/XXXX and have not received the requested documents. We have only received the fabricated documents to wrongfully foreclose on our homestead and collect our monthly mortgage.
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| 12/15/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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Several years ago, OCWEN Financial assumed XXXX mortgage loans I 'd had for several years with XXXX. In spite repeated calls over the past several years to change my mailing address after having moved almost XXXX years ago, Ocwen has failed to make the change. A year ago, I left my job of over XXXX years and also had to change my email address. Again, Ocwen failed to make this change. In XX/XX/2016, after the death of our XXXX son, I failed to make my normally scheduled payment. When I logged in to make the payment in XX/XX/XXXX, I realized my mistake and used Ocwen 's internal system to make 'emergency ' payments on both of my accounts that would post that day for the amount listed as due. In XX/XX/XXXX, when I again logged into Ocwen 's site ( remember, I get NO correspondence from Ocwen because they have never updated my contact information ), I found out that XXXX of the XXXX 'emergency ' payments had not been posted. I also discovered that the minimum payment on the other account had been quadrupled from roughly {$800.00} ( including taxes and insurance ) to over {$3200.00}. I immediately paid the total amount due on both accounts and called Ocwen 's Customer Service support and asked them to address XXXX items : 1. Only XXXX of my payments had been credited from the month before. I did NOT ask Ocwen to waive the late fee they had charged, but simply asked that no late payment would show on my credit report. I had used their system to pay the total amount owed but only XXXX account was credited with the full payment due from both accounts. The customer service representative told me that he would 'open a case ' regarding the matter, but I have never heard back from the company.
2. I asked that Ocwen update my contact information. I was told by the representative that, in order to do that, I must submit the changes in writing with my signature separately for each account. I have several mortgage accounts, both personal ( primary residence and income property ) and commercial..I have never had a mortgage holder require a written statement to change an address. Every other lender with whom I do and have done business ( XXXX, XXXX and XXXX Credit Unions, all allow changes to be made online after identity verification. I believe it is incumbent on Ocwen to make sure that customer 's can receive statements, communication and notices. I have since sent in the change of address notices ( by the way, I was told that separate written notices must be sent for physical mailing address change and email address change ), but there is no indication on the website that the changes have been made.
3. I asked that the minimum payment on my mortgage loan be re-instated to the original agreement. The death of our son was an extraordinary circumstance and our loan has been in good standing for many years. I believe that accelerating the amortization schedule on the loan for XXXX late payment is opportunistic and predatory behavior on the part of Ocwen.
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| 01/02/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I bought my house XX/XX/XXXX. I was making good money. The economy was starting to show signs of distress, but I do n't think that anyone knew just how much it would deteriorate. The loan was 100 % financing, and was sold several times. By XX/XX/XXXX I was struggling to keep up as the economy had really taken a plunge. The loans were about to go adjustable and my commissions had been reduced drastically. I was able to get a loan modification from the first mortgage, but took an additional 9 months to work out a modification with Ocwen Loan Servicing.
XX/XX/XXXX I moved to a town that was closer to my daughter 's new high school, because I could not afford to drive ( up to XXXX round trips per day ). I rented the property to an out of state contractor who was working in the area, for 6 months. Once he moved out I hired XXXX XXXX XXXX XXXX to place a new tenant. I have never been able to rent it for the house payments and all this time I have been paying out of pocket to cover the house payments.
XX/XX/XXXX I bought a new car, as the car I was driving has XXXX + miles on it.
On XX/XX/XXXX, after 11.75 years of service, I was laid off my job.
On XX/XX/XXXX, my tenant ( who always paid his rent late ) moved out. He had totally trashed the property and took my spa. I took the money that he had left as a deposit and cleaned it up as much as possible, but with so much more to do, and no paycheck, I could not afford to do any more to improve the property.
I listed it for rent again with the property management but due to the condition of the property, I could not get enough to cover the house payments.
The first mortgage went up XX/XX/XXXX and the second mortgage is due to go up XX/XX/XXXX.
I immediately put it on the market, but due to the condition of the property it was listed as a short sale. I have had XXXX offers. We have been waiting on Ocwen since XX/XX/XXXX to give us an answer to the proposed sale. They said that we did not provide the documents, which we did, then they lost the documents, then and still, they say that it is with the investor and there is nothing that they can do, meanwhile they continue to call me regarding the payment.
The XXXX buyer canceled because they were tired of waiting. The XXXX buyer is tired of waiting and has threatened to cancel. The back-up offer is lower than the XXXX offer that is on the table.
Every day / month that goes by, my credit is affected more and more. I have tried to make my payments at least 15 days in advance of the payment due date in order to have good credit.
Ocwen denied my request initially as I was given a severance which has since run out.
If it goes into foreclosure, Ocwen will get nothing.
I am a XXXX year old single mom. I have a daughter that is graduating XX/XX/XXXX and will be going to college. My child support will stop then. I can not afford this house any longer.
Ocwen promised an answer in 45 days. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX.
|
| 10/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
WE REQUEST A RESPONSE, PERTAINING TO OUR QUESTIONS ONLY AND NOT ANY ADDITIONAL INFORMATION AS OCWEN CONSTANTLY WANTS TO PROVIDE! WE DO NOT WANT XXXX XXXX IN THE OMBUDSMAN OFFICE TO RESPOND TO THIS COMPLAINT. XXXX XXXX CONSTANTLY PROVIDES ADDITIONAL INFORMATION WHEN IT WAS NOT REQUESTED, FAILS TO RESOLVE ANY ISSUES! FAILS TO PROVIDE THE INFORMATION THAT WERE ARE SEEKING THROUGH THE CFPB AND FAILS TO PROVIDE DOCUMENTATION. FAILURE TO COMPLY WILL RESULT IN MORE COMPLAINTS FILED AGAINST OCWEN LOAN SERVICING PRIOR TO LEGAL ACTION!
Last week, I contacted Ocwen Ombudsman office and requested to have a supervisor call me regarding multiple issues. On XXXX XXXX XXXX at XXXX, I called Ocwen Ombudsman office again and spoke with XXXX. She stated that XXXX called us. We reviewed our voice mail and caller ID log and there was no call originated from Ocwen Loan Servicing! As of today, Ocwen has failed to contact us and speak to us regarding the issues that we have. I want to inform Ocwen Loan Servicing that I am a XXXX combat veteran. I get paid for my XXXX through the federal government. If the federal government shuts down for any reason, we would not be able to pay our mortgage. This would be no fault of ours! With this being said, if Ocwen Loan Servicing or any other company dealing with our mortgage loan tries to foreclosure in the future especially without the proper documentation, our attorney and I will request to go to foreclosure mediation where we will in fact inform the court of the fraud and robo-signing that has occurred with this loan!
Now ; as Ocwen Loan Servicing is fully aware, we had a modification on XXXX XXXX XXXX from Litton Loan Servicing. We started paying on that modification when we found that the modification was fraudulent and stopped paying. On XXXX XXXX XXXX, Litton Loan Servicing filed for foreclosure and recorded this document with the XXXX County Recorder 's Office. We are fully aware, per the Security Exchange Commission that XXXX is the master servicer. The role of a master servicer is an entity that acts on behalf of a trustee for security holders ' benefit in collecting funds from borrower, advancing funds in the event of delinquencies and in the event of default, taking a property through foreclosure. We are requesting the following questions to be answered and provide documentation.
First, did XXXX participate with our foreclosure ( s ) dated XXXX XXXX XXXX?
Second, who or which company has Ocwen Loan Servicing been sending our monthly mortgage payments to each month?
Keep in mind ; failure to respond by answering my questions and failing to provide documentation as requested may appear that Ocwen Loan Servicing is hiding something that maybe against the law! If Ocwen does not have this information, Ocwen can request this information from the appropriate company or companies! Failing to answer and provide documentation as requested will result in more complaints and action taken against Ocwen Loan Servicing!
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
|
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my email to them PHH Mortgage services dated XXXX Good Morning, Please see attached AGAIN I am PLEADING for assistance!! I have explained my situation several times. I need to keep my home but I need a temporary lower payment to be able to survive.
I have tried to refinance but other lenders state my loan shows in forbearance and won't help.
Ease lower my payments so I can begin to make timely, consistent payments.
Please Help!!!!
I am requesting executive review regarding my situation.
Prior to COVID I was finishing month 3 of modification and had much lower payments.
I am asking to revert my payment back to that to allow my payments to be back at {$1700.00} the modifications given kept may payments making the payments hire which is contradictory to the mortgage assistance IN ADDITION...
I have had several confusing letters one of which stated that you were working with the XXXX for additional assistance you asked for that letter, I sent you a copy and you never responded with a response regarding that program.
While I understand you are a servicer, I am formally requesting this be sent to whomever can provide a real solution to my unique issue.
I will also forward request to the local and national consumer financial protection bureau for next step and to open a case on my behalf to get assistance to keep my home.
Respectfully, XXXX XXXX The CONTENT OF THE XXXX EMAIL ATTACHMENT IS BELOW : PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I am humbly writing to ask for your assistance to reduce my monthly mortgage payments by way of a long-term modification but preferably a fully refinanced loan. During this Covid -19 pandemic I have had several factors leading to my inability to afford my current mortgage payment of {$2400.00}. The factors making this a challenge are the following : My employment was lowered then subsequently exhausted and left me without an income for close to 6 months. ( I have since gained employment but a lower salary ) My housing expenses and debt load has increased with college XXXX returning home to continue their curriculums however the household bills have increased with more family members in the house Increased debt ( * the debt is related to parent loans for my college XXXX, one is now in XXXX XXXX, one is a XXXX XXXX XXXX and XXXX a XXXX on approved university grant so there wont be any more parent loans needed.
Prior to Covid-19, I completed the mortgage modification and making regular mortgage payments as agreed ; using solely my income with a goal of ultimately refinancing the loan to lower the rate and payment.
Regarding my employment, I am with the XXXX XXXX entity but now in a different division. I anticipate moving into a new role with much higher salary. There is equity in the home so a lower payment, lower interest rate and a chance to consolidate my debt would be beneficial.
Thank you for your understanding and consideration.
|
| 03/19/2019 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
|
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I just read your article and not sure if you can help me. My home is in foreclosure ( Mortgage company is Ocwen, XXXX ). The sheriff sale is set for XX/XX/XXXX, I have a buyer and set to close on XX/XX/XXXX, but not sure if thats going to happen. Ocwen - XXXX has the contract on the house. Here is the kicker in XX/XX/XXXX I applied for a modification in XX/XX/XXXX I was told I got the modification and they would send out a package for me to sign and notarized which I did and sent it back express mail. I then received another package telling me the 1st one was wrong and they were sending me a new package to sign and send back which I did. Received a third package to sign and notarized, because they screwed up again which i did. About a month later we're talking XXXX I received a phone call stating my modification was turned down because i was late in getting the paperwork back which i told them no way. So about 3 weeks after that l get a phone telling me the modification was accepted which it was and XXXX was knocked off my loan which I wouldnt have to pay back which appeared in XX/XX/XXXX. Fast forward to XX/XX/XXXX still trying to get my life ontrack I was told to apply for another modification which I did probably XX/XX/XXXX. XX/XX/XXXX I was rejected telling me it hasnt been 2 years and I cant reapply. So I put my house up for sale its in contract and now the title company tells me theres a XXXX mortgage from XX/XX/XXXX and i said it must be my modification, but that was XX/XX/XXXX and I was told no XX/XX/XXXX. I call XXXX and told them which the girl XXXX said OMG Ocwen XXXX up another account she had me on the phone investigating and finally got back with me and said its going to take longer and she will get back with me which i never heard from her. My thing is why did hud put a lien on my house in XX/XX/XXXX, but it didn't show up in my account until XX/XX/XXXX So now I might be homeless because of ocwen saying it was 2 years before i got the last modification which i find out is wrong now. So just what the XXXX is going on XXXX keeps telling me they don't want me to leave.
XX/XX/XXXX - The day I filed a complaint with the Attorney General office in Ohio and talk to the Consumer Finance Protection Dept I did call Ocwen-XXXX and the first thing they told me I had a loan with them and with HUD and did I need Huds number which I didn't. I found this very odd thats the first time they ever told me about my Hud loan. Really odd since the week before I was told by XXXX at XXXX " OMG Ocwen XXXX up another they've done that to other loans ''. XXXX did tell me she would get back with me and that never happened. All I want is to push the sherriff sale back a month so I can close on the loan and everyone gets there money including hud. The man I talked to at Ocwen- XXXX told me he doesn't see why Ocwen-XXXX wouldn't, but still they haven't changed the date.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. XXXX Phone XXXX
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| 10/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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This is a second Case Opened based on a recently Closed Case : XXXX XXXX XXXX XXXX XXXX over our Loan Servicing in XXXX. At that time we had an Interest Only rate that the previous Mortgage Company ( XXXX ) had modified for us to a 1.75 % interest Only rate.
in XXXX The Rate was supposed to adjust ( Although we were unaware that it became a 5 yr ARM as the original Loan was a 10Yr arm ). we signed a temporary Rate adjustment while our Youngest son was undergoing XXXX XXXX ( He XXXX XXXX in XXXX ). During this time of the adjustment my wife and I were separated physically because our son was hospitalized and I was the only one that signed the document, We went to Sale our Home in XXXX and during this process I reached out to Ocwen to see what the Interest Rate was and was told it remained at the adjusted Lower rate. All the online statements stated this fact and all the statements we continued to receive in the mail stated this, we were never notified of an adjustment and everything we saw or received stated the same ( The 1.75 % rate did not change ). I just had assumed it was through the 10 yr period which the original Interest only Loan was set at which would have expired in XXXX.
Had we been told the rate was adjusting to a new higher Rate back in XXXX we would have sold the home at that time or refinanced the home.
2 Months ago we received a notification that the rate was going to adjust in XXXX XXXX so we took steps to sell the home ( And sold-Closed Escrow in XXXX XXXX ). Just prior to closing escrow we received a document from Ocwen stating we owed for XXXX XXXX yrs of unpaid interest ( That we were never notified about until just recently ). This amount is around $ 140k.
Had we been made aware of this way back in XXXX we would have taken much different steps with this home. Because of this we are not only losing our life savings we originally put into this home but we now can not afford to buy a home in the city we live in.
I noticed a Judgement against Ocwen in XXXX XXXX by XXXX regarding Ocwen 's incorrect statements for its customers? This is the primary reason we are in this mess right now. They admitted the Systems issues and stated they made mistakes on their end. There has got to be some sort of way to resolve this and not put the entire blame/burden on us the consumer.
I 'm not denying that I signed a temporary rate decrease by the previous Mortgage company that managed our loan. This was done out of the graciousness of XXXX 's Management and we were entirely grateful. My primary complaint is we trusted the information that we were being provided and made decisions based on that information we were given to us by Ocwen for a XXXX XXXX yr period ( Of online statements and Verbally over the phone ). they must have some sort of responsibility in this. Our family and finances are devastated by this.
I have online transaction history, phone records, etc .... that shows all the correspondence on this matter.
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
This complaint is actually directed to the Consumer Financial Protection Bureau ( CFPB ) in regards to Case numbers : XXXX and case number XXXX. Please reference the above mentioned case numbers for details. These cases are in regards to an illegal foreclosure action by Ocwen Loan Servicing LLC . Ocwen was awarded summary judgment based on a robo-signed affidavit. As the lawyer for Ocwen stated, in response to the above referenced cases, Ocwen Loan Servicing LLC has proceeded with a foreclosure action docketed as XXXX in the XXXX XXXX XXXX New Jersey. In that action, the Court granted Summary Judgment in favor of XXXX, as Trustee. The court based its response on the XXXX XXXX affidavit provided by Ocwen Loan Servicing LLC, which appears to be another robo-signed affidavit.
As referenced in CFPB case numbers XXXX and XXXX, I requested that the lawyer for Ocwen provide evidence that the Plaintiff, the trust named " XXXX as trustee of XXXX., Asset-Backed Pass-Through Certificates, XXXX XXXX '' still exists. The trust in this foreclosure action has not filed any paperwork with the SEC since 2006. The lawyer failed to provide any evidence that the Plaintiff exists. How can a trust that does not exist, sue for foreclosure?
I mentioned, in the above referenced cases, that the XXXX XXXX affidavit is probably a robo-signed document. I demonstrated that XXXX XXXX is a robo-signer by providing copies of other XXXX XXXX affidavits in previous Ocwen foreclosure actions ( see attachments ). After I submitted these XXXX XXXX affidavits, in the referenced CFPB cases, the alleged " real '' note for the home suddenly made an appearance. This is the first time the note has been provided, throughout this entire foreclosure process. The lawyer submitted the alleged original note for the mortgage with an undated allonge that has a blank endorsement. This allonge can belong to any document or to any other note.
The CFPB has already demonstrated that Ocwen Loan Servicing LLC has used robo-signed affidavits and doctored documents to illegally win foreclosures in courts ( see attachments ). The lawyer for Ocwen has notified me that he will be filing for final judgment in this foreclosure case. This means that despite the CFPB actions to keep Ocwen from conducting illegal foreclosures with robo-signed affidavits, Ocwen continues to do so.
I understand that the CFPB " can not comment on possible violations of the law unless they 're made public '' but Ocwen Loan Servicing LLC 's violations against home owners were made public and published on your website ( see attachment ). Now Ocwen Loan Servicing LLC is repeating the same actions, despite the CFPBs actions against Ocwen.
I am a retiree, surviving on a small pension and social security, so I can not afford counsel.
How many new complaints against Ocwen Loan Servicing LLC need to be filed in order for the CFPB to stop them from repeating the same violations that they were already prosecuted for?
|
| 09/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is XXXX XXXX. I am looking for someone who can help my mother file a suit against Ocwen Financial for predatory lending practices, ideally on a contingency basis. My mother is a victim of predatory lending practices from Ocwen Financial Corporation. I am trying to find a way to help her save her home and help her get some restitution for the strain Ocwen has put on her health and life in general. I have been trying to do some research on this company and there has been many claims of predatory lending practices.
The practices of the company forced my mother into foreclosure. Once I found out about what was going on, I was able to help get her a PA HEMAP loan ( where Ocwen received a payment of XXXX from the state ) in 2013 to bring the mortgage current. Part of the HEMAP program was that Ocwen had to sign a reinstatement agreement which had an agreed upon monthly escrow ( {$81.00} ) and principle/interest ( {$510.00} ) amount. Everything was fine for two months or so but then Ocwen starting using the same practices that put her in that situation in the first place. Things like charging her for property taxes when we have documentation that they were paid to the city, charging her for homeowners insurance when she was already paying insurance on her own, and sending her checks back when she would pay the correct amount due. Her monthly payments ( fees included ) was supposed to be {$590.00}. It exploded to over {$800.00} dollars due to the escrow shooting up to $ XXXX.Because of this she was charged constant late charges. Even though she was sending in the correct amount due, they would not apply it to her account. Eventually this kept adding up into insurmountable amounts. I believe this is a violation of the " Truth In Lending Act '' and the " Pennsylvania Unfair Trade Practices and Consumer Protection Law ''. Additionally I think it is a clear breach of the Reinstatement Agreement that they signed with the HEMAP re-modification.
My mother is on a fixed income from her XXXX. I had her call the save your home hotline and public legal services but they just want her to do another loan modification ( I believe it is HAMP ). This modification says she would have to pay a balloon payment of XXXX after paying XXXX over 20 years. My mother has already paid the value of the house and then some. No one is addressing the root of the problem ... which is that these practices leading to my mother being charges arbitrary and unsubstantiated fees ( on a fixed mortgage ) and therefore causing her to go to default. Over and over. I was hoping you can direct to some legal ramification to stop the predatory lending because I know she does n't want to give up her home. Really it is all that she has. What she really want is to invalidate the loan completely and receive damages for all the payments she has made and what constantly battling with this company has done to her health. Thanks in advance for any help you may be able to provide.
|
| 05/27/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
My ex-wife and I separated in XXXX. In the process, my mortgage loan was modified by GMAC beginning XXXX XXXX. Shortly afterward Ocwen Loan Servicing took over.
My divorce was final in XXXX XXXX. The house stayed with me, my ex-wife signed and filed a Quit Claim for said property.
In XXXX I began the process of attempting to have her name removed from the mortgage with Ocwen. Ocwen began " reviewing '' the assumption package XXXX XXXX, XXXX.
I have continued to supply Ocwen with responses, paperwork, forms, documentation, and whatever else they requested since. I was traveling during XXXX of the times I was requested to provide documents and it took approximately XXXX weeks to honor that request, but most times I provided whatever information requested within XXXX days ; sometimes within hours.
From approximately XXXX XXXX to XX/XX/XXXX, Ocwen had an " internal issue '' in their FHA underwriting department. This issue brought the entire assumption process to a halt. I find it difficult to believe that Ocwen could not or did not write a single FHA loan during that time.
My income alone is higher than were mine and my ex-wife 's incomes combined when this loan was originated. My income is higher than it was when this assumption process was initiated nearly XXXX months ago. My debts are lower than they were when this loan was originated and they are lower than they were when this assumption was initiated - by nearly $ XXXX/month.
I am, and have been, paying as agreed since the modification of this loan in XXXX XXXX. I have not been late. I have not missed a payment. I have paid at least the full amount and as a matter of fact have paid extra for several months.
My ex-wife has grown impatient with this process and has filed contempt charges against me. Because of Ocwen 's failure to execute, I might very well incur legal problems. As a result, I have begun applying for another mortgage loan with another provider. If Ocwen continues to fail and I am required to obtain a loan with another provider, the terms of the loan will be different from my current mortgage. A new loan will cost me more money now as well as in the future. I was told at XXXX point in all of this mess, that if this assumption was " approved '' with Ocwen that the terms of the loan would not change.
I am not applying for a loan ; I am only attempting to have my ex-wife 's name removed from the existing loan. She has signed and filed a Quit Claim. The XXXX XXXX XXXX, in the divorce proceedings, ordered that I be the sole owner of this property. My income is higher and my expenses are lower than when this process was initiated. Ocwen has been provided with all of this information, and more. Repeatedly.
Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.
|
| 04/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
False claim or representations violation co-conspirators were and are a debt collector under the FDCPA.
Ocwen loan servicer Attached by XXXX XXXX of the office of ombudsman team at ocwen loan servicers claims that my loan was originated by XXXX and attached lost note affidavit to support it claims which is false. MY loan was originated by XXXX XXXX XXXX.
This a matter of Public concern which ocwen loan servicing LLC and its con conspiracy XXXX, XXXX XXXX under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX.
Indecome global services, XXXX XXXX, XXXX, Ocwen loan servicing LLC .
XXXX frivolous lawsuit is nothing more than an invalid effort to harass and intimidate me in Violation of Federal and State statutes and, in addition, common law torts, including fraud, in Connection with foreclosure actions prosecuted by debt collector XXXX XXXX XXXX .ON Tens of Thousands of XXXX Foreclosure Frauds Orchestrated by 'Foreclosure Mill ' Attorney & Banks '' ( co -conspiracy ocwen loan servicing XXXX XXXX, XXXX , XXXX law firm XXXX were acting as debt collectors " pursuant to federal law '' as a collection agent for XXXX is actually representing XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fka XXXX as successor to XXXX XXXX XXXX XXXX as trustee FOR ramp XXXX and ocwen loan servicing, XXXX same services same as XXXX ) XXXX president ( indictment ) XXXX XXXX as attached she admitted to the types of activities that XXXX, ocwen loan, XXXX XXXX, XXXX XXXX are involve in around the counties around XXXX .see attached A XXXX search produces numerous articles and blogs referencing XXXX, XXXX, ocwen loan servicing robo signing, back dated documents, fraud documentation participation in the foreclosure crisis in XXXX in Associated with ROBO signing.
XXXX XXXX XXXX LAW FIRM are attorneys who knows better, yet their foreclosure filings for parties who have no standing to sue confuse the courts and homeowners while he and his banking clients con conspiracy bank profit tremendously by throwing people on the streets.
- '' Courts have rules and laws are made to be followed. XXXX XXXX needs to follow the rules and be accountable just like the rest of us, else we 're all victims to one big XXXX XXXX scam. '' - '' This is the biggest fraud in history, and it 's being done by the attorneys. ( XXXX XXXX XXXX The banks would n't be able to do it without the attorneys, '' ( XXXX XXXX XXXX law firm XXXX, XXXX, XXXX XXXX, XXXX XXXX ) - " These attorneys are not acting like attorneys. '' - " Theyre making up their own rules, and thats what frauds do, '' ... '' They 're just making stuff up. '' XXXX XXXX XXXX assignment fraud XXXX XXXX fraud assignments alphabet soup non existence `empty trust Photo shop mortgage note ( counterfeits checks, money " The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. )
|
| 09/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We were paying off our mortgages ( we had a 1st and 2nd mortgage ). The payment was sent and accepted on XX/XX/2019. Payment was posted to the 2nd mortgage on XX/XX/19, but for some reason the other funds were " misplaced '' at PHH Mortgage. We did not realize this until we received a call stating we were 15 days late on our mortgage payment. We explained that couldn't be as we paid it off before it was due. They politely said thank you and that was that. We thought it was a bit weird that we even got the call, as the transaction had happened two weeks prior. We decided to check online. That is when much to my dismay we discovered the loan had not been paid off. We called, and after several minutes of waiting finally got to talked to a customer service rep, XXXX, he kindly stated I am sorry, but we do not show the funds were received. He asked if we could send proof that it was sent. I in turn called my bank to get actual payment date info. I then called back and waited several more minutes before customer service rep XXXX came on the line. We explain when the bank sent the money and if she would check, she would see the other loan had been paid in full. Several things were needed so we asked if our bank could call and talk to them as we did not want to be the in-between person, they could fault for relaying something wrong. On XX/XX/XXXX our bank called PHH and also sent verification that the funds were sent and confirmation that the fund were received. But no result was returned. And no reply to the bank if the payment was ever found and applied to the loan, as XXXX XXXX XXXX ( intermediary bank ) had not received the funds back or any information from PHH regarding this. They sent in a service request and after a week. After several calls the wire was released back to our bank. The funds were received by our bank ( XXXX XXXX XXXX ) on XX/XX/2019. Our concern now was that is was coming up on 30 days past our payment date and our credit would be affected. Finally on XX/XX/19 we call PHH again, and asked for a supervisor. We wanted the rep to know they didn't do anything wrong, but really wanted to get something done and soon. After waiting we finally talked to a supervisor ( XXXX, who said he was XXXX ). Anyway we explained what was going on and time space we were looking at. He requested proof again, even though we stated it had already been sent. He gave us an escalation department number to have our bank call because they told them it would be up to ten business days to get a payoff. After our bank finally talked to them they agreed if payment was sent on XX/XX/19, they would be sure to post it right away, but they refused to backdate the interest to XX/XX/19. We were basically forced to pay an additional {$480.00} of interest. We don't think this is right. What did they do with the funds for a whole month?
We have attached documents that were sent to PHH, along with a letter that we wrote to them as well.
Thank you
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/XXXX I opened up my bill from OCWEN to send it off for payment and was shocked to find out that my bill was XXXX more a month. My reaction was pure shock then I pick up my phone and called, was disconnected the first time, seeing I have had several run ins with this company over the course of my loan which has been 11 years XX/XX/XXXX. So over the 11 years I have has several mistakes on their part, like them stop sending me my bill because I filed bankruptcy in XX/XX/XXXX, which took me two years to fix and the gentlemen at that time even admitted they made the mistake. Most of the time when I call OCWEN it is always over seas so I arrived at a point to where I request to speak with someone in the United States I have a hard time trying to understand several of the operators that do not speak clear English at all. After being disconnected I called back at which time I was on hold for 15 minutes during the transfer, after that I spoke with a woman by the name of XXXX ( spelling could be wrong ) # XXXX you see they all have numbers and they should give them to you once they pick up, but they talk so fast I make them repeat it and their names. With the help of XXXX she sent me a file I did not receive and she talked about an ESCROW Evaluation which was done XX/XX/XXXX also on my bill it states ( your monthly has changed to XXXX effective XXXX/XXXX/XXXX further detail regarding the reason for this change will be included in a separate letter ) it never came. The worker # XXXX told me that this company paid school taxes in XX/XX/XXXX to XXXX XXXX XXXX XXXX well I do n't live in XXXX XXXX and my daughter has been going to XXXX XXXX since kindergarten and she is XXXX XX/XX/XXXX. From what they lady told me and from what they County Clerks office said is that this loan company paid taxes to the wrong school district and now they want me to pay for their mistake. I have documentation to prove my case and once I am done here will submit this complaint I will be sending a certified letter stating my next steps if this issue is not resolved and my loan is not back to where it needs to be. I will not pay for what these stupid loan company has done by making me pay for it. I have been dealing with them far to long and hopping in the next few months to do away with them. You see they have changed their names 4 times and when I filed Bankruptcy XX/XX/XXXX they continue to threw it in my face and it is on every bill they send me, you will see from the current bill I have placed in my attachment.
I need some help with this again they are forcing me to pay for something I did not do, that it is their fault, I do n't run the ESCROW, I depend on the company to do that for me and it looks like they do n't know how to read, talk clearly, or organize my payments. I need for this company to fix their mistake and stop taking it out on me. I have sent a letter stating this and still nothing is done. Please Help Me!!
Sincerely your XXXX XXXX
|
| 01/31/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
We are filing a dispute regarding the failure for XXXX XXXX XXXX ( XXXX ) to complete a modification review under Home Affordable Modification Program ( HAMP ).
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on Ocwen Loan Servicing ( OLS ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that XXXX, and OLS are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX.
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both XXXX and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX.
Both XXXX and OLS, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of OLS. The lawsuits allege, among other things, that Litton Loan Servicing ( " Litton '' ) and Ocwen Loan Servicing ( " Ocwen '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm.
Our loan was approved of what 's called a XXXX XXXX XXXX loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}.
We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
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| 01/17/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Applied for a Home Affordable Modification with Ocwen Loan Servicing , LLC and was approved for a three month trial of {$380.00} a month. I made all payments on time and was sent the documents to sign for approval but upon reading the documents this look like extortion. If I could not make my monthly payments due to a injury at work which caused me to be XXXX and a very significant decrease in my income what would make them give me a modification where I make monthly payments in the amount of {$380.00} for 23 months and have a balloon payment of XXXX which is the beginning principle balance. So, what happened to making the loan affordable for the homeowner to keep their home this is more like pay me some money dummy and I still keep your home. The home was going to auctioned off anywhere between $ XXXX in the year XXXX. I guess it is a good thing I can read. I filed bankruptcy due to this injury and was trying to do the right thing and pay for the property because it belongs to my mother who has been helping me through this process. I would love to keep the home so my mom can return when the time is right but I will not be a fool. I know this company has many complaints and bad reviews at the XXXX and I can see exactly why. I thought they were wrong for telling me not to send in my payments to catch it up when I got out of the hospital but this right here takes the cake. This is not an Affordable Home Modification at all. I also told my agent that I had not received my documents and they still sent documents with the XXXX deadline and it was clearly delivered in XXXX just another dishonest tactic. If payments are being made please tell me what is it being applied to : Somebody Pockets because it is definitely not the loan and at what point did Ocwen try to work with me by only dropping the interest rate and not applying the funds to the loan but applying fees. I see that number 2. was just ignored completely : If my representation in section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on XXXX/XXXX/XXXX ( the " Modification Effective Date '' ) and al unpaid late charges that remain unpaid will be waived. Because I do n't agree to add all amounts including arrearages, unpaid and deferred interest, fees, escrow advances and other costs. If I could have made payments we would not be at this point. It is called a Home Affordable Modification not Unaffordable Home Modification. Please tell me what average person has XXXX to just give at one time. ( Not many if any ) At, this point I 'm not average because I 'm XXXX and just starting working last year in a position that paid XXXX an hour. So, please tell me how and the world can I pay XXXX in 23 months. I have made three payments in the amount of {$380.00} a month on time and no credit has been applied to my account according to these documents.
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| 05/17/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have submitted a short sale with a purchase and sale with Ocwen Mortgage and they have lied to me and are taking way to long. I was told today that another BPO was requested and when I asked who is requiring a another BPO and I was told it was my mortgage insurance company. Which my reply was that 's not correct because I do n't have mortgage insurance on my current loan. The person keep repeating it was my mortgage insurance company. I then asked what is the name of the mortgage insurance company and I was told XXXX ( which I had them spell it to make sure I was hearing the person correctly ) I told them that 's funny because XXXX is my homeowners insurance and they do n't have a say in requesting a BPO or anything to do with a short sale approval. I called him a liar and then was told he would not talk to me anymore. I have sent a request to the short sale department to contact me. I will keep calling them until I get a direct and honest answer. This short sale process has been going on since XX/XX/XXXX. I was served with a NOD yesterday and I know exactly what they are doing. The bank came back with an approved bpo of XXXX and my buyer agreed and signed the required papers. I was informed on XXXX/XXXX/16 that the owner of the loan did n't accept the price. I was told by my relator on XX/XX/2016 that ocwen is requiring another bpo. they are suppose to call us for access if needed. they may assign exterior only. As of today no one has called me the owner or my agent. When I was talking to the short sale department today the person asked me who should they put down for a contact person. Uhm ... .they have my information and the agents. Today is XX/XX/2016 and no one has contacted me or my agent to give auth. to access my property. I am frustrated and this is not right. I and my agent have done everything they have asked and they are not doing what they are suppose to be doing. I need assistance with this matter. Last correspondence was dated XX/XX/2016 from ocwen saying they received a short sale submittal which is a little confusing. Because I have correspondence dated XX/XX/2016 that was a conditional approval, then XX/XX/2016 correspondence stating they received correspondence, then XXXX they receved a short sale request and are currently reviewing, then XX/XX/2016 received notice they denied the short sale due to owner of the loan did not agree to the discount amount that was submitted. Then my agent send the forms the buyer signed that acknowledge the higher price of XXXX on XX/XX/2016. Then I did n't receive a notice from my mortgage company that was dated XX/XX/XXXX saying it was in review. So what was done for XX/XX/XXXX? My agent talked to my mortgage company on XXXX/XXXX/16 which is when I was informed that the mortgage company is requiring another bpo. today is XX/XX/XXXX an the me the homeowner and my agent have not been contacted by anyone to schedule access to the property. So what are my rights??????????
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| 05/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I have been in my home since XXXX XXXX, faithfully paying my mortgage, did a refinance back in XXXX with XXXX XXXX, house value went up, doubling the worth of the home to {$200000.00} from its original of {$100000.00}. The mortgage industry crashed my home lost half its value. I have tried on at least 3 separate occasion to have the Mortgage service provider modify the loan to reflect the actual value, first attempt was in XXXX due a terrible car accident that had complications I knew I would be in trouble making payments. At that point XXXX XXXX XXXX ( XXXX ) had taken over my mortgage due to XXXX going belly up. XXXX drug out the process ( all documents attached ), giving me multiple redo 's for unsightly reasons, then finally said I qualified " in conversation '', sent me a XXXX letter saying " Let 's do one more round of paperwork, then 2 days later via another XXXX letter said sorry we sold your mortgage to Ocwen. Basically a 4-6 month process of delays to sell me off after all that work. I then tried with Ocwen, and they said sorry " Mortgage note owner ( which was XXXX ) do n't participate in HARP/HAMP '' or anything to help rectify the underwater situation. OK, that was harsh, they were rude, and either way, I got through my health crisis, caught up and then there 's NOW : I 'm still paying then XX/XX/XXXX I get a payment notice telling me they are doubling my mortgage. I call tell them I ca n't afford that, they ( Ocwen ) do same song and dance about " let 's see what we can do '' and then came back with the same " Sorry NOTE owner ( XXXX ) does not participate, and furthermore, you do n't qualify for any other assistance/consideration, as you are not behind '', and blah, blah, blah. Next they sent me the options of Deed In Lieu or Short Sale. I 've filed a complaint with the Attorney General 's Office, and was also instructed to file a complaint here. In summary, I have paid, missing the few months due to almost XXXX, over {$210000.00} over the past 14+ years, for them to take my home without reasonable negotiation. This is clearly ( to me ) unethical and un-American. What I want is to be recuperated correctly, have them fix the mortgage to rightly represent my actual value, and give me my credit for all these years of faithful payment as this is a mortgage, not rent. At this point, they have it so I owe over {$180000.00} on a home worth {$100.00}, and no credit of 14+ years of faithfully paying my mortgage. If they have it their way, I am out on the streets, credit destroyed for Foreclosure, Short Sale, or Deed In Lieu, and can not afford to purchase another home for some insane amount of time, for something as ridiculous as this. I will attach the documents showing some of the trail, and my most recent letter to the office of the president, and their response. I need you to champion this cause and get me justice as this is very wrong for multiple reasons. Thank you, and I look forward to your interaction.
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| 08/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was approved for a mortgage modification by Owen in XXXX of XXXX. I paid required payment of {$XXXX} to Ocwen and verified it was received on XX/XX/19, with due date of XX/XX/19.
On XX/XX/19 I received written confirmation by XXXX, relationship manager with Ocwen that modification would be upheld by PHH when {$XXXX} was received.
OnXX/XX/XXXXXX/XX/19 my loan with Ocwen was transferred to PHH Mortgage. I was informed by PHH that they did not have access to my financial records or notes on the account until XX/XX/19 due to the transfer of service provider.
I was required to pay one additional payment to complete the trail payment for completion of permanent modification. Total number of payments under trial payment period was 3. Two of the payments were made XX/XX/19 and the third payment of {$XXXX} was mailed on XXXX by my personal checking account sent to PHH at their XXXX mailing address. After 14 days, I contacted PHH and was told the payment was not received by them. I placed a stop payment on my personal account and resent a cashiers check of {$XXXX} through XXXX XXXX XXXX XXXX XXXX and mailed using USPS Priority Mail with tracking number included. I confirmed with USPS that my payment was received on XX/XX/19 at XXXX XXXX in XXXX post office and was picked up by an authorized mail courier. PHH denies ever received or crediting my payment sent via priority mail.
After phone conversations with a PHH manager on XX/XX/19 was made and manager agreed to take a phone payment using my personal checking account. OnXX/XX/19 payment was withdrawn in the amount of {$XXXX}.
On XX/XX/19 I received the original payment of {$XXXX} back to me in the mail along with letter saying it was not sufficient to bring account current.
My home is now in forclosure but no date of sale has yet been assigned. My due diligence was made in every way to make the agreed payments but have not received any assistance by PHH.
I was informed by my credit union where cashiers check was purchased that they can not refund the missing {$XXXX} until after a 90 day claim waiting time.
It appears to me that PHH wishes to foreclose on my property rather than fix the issue of missing payments attempted to be made by me. I offered to pay over the phone for entire amount due or even do a wire transfer to them. Both of these options were denied by PHH. I was informed only a check mailed to the XXXX USPS would be accepted and I have until the last day of XXXX to make that payment. I have confirmed with a supervising customer representative at the USPS XXXX that the zip code I mailed to is specific to PHH and a courier signs for all pick ups from that location. The USPS supervisor also explained they have many, many complaints of payments not being credited or received by PHH/XXXX XXXX processing center.
I can not take the chance of attempting to mail another payment since past history shows there is a significant issue in mail delivery to PHH.
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| 04/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Chptr XXXX dismissed mid XXXX XXXX , out of bankruptcy had others debts owed. A decrease of my income XXXX job loss. Applied for loan mod during that time Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account # XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX CO XXXX End of XXXX XXXX submitted to Ocwen Loan ser vicing a modification package. XXXX XXXX XXXX my name the onl y one on the loan/deed. Accou nt Loan # XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs. I contacted attorney as having issues with Ocwen. The I received a phone call XXXX / XXXX / XXXX rec 'd call from XXXX , XXXX , name XXXX XXXX with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with XXXX XXXX an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate. I contacted the attorney, I had been in touch with he said take thr offer. I contacted XXXX XXXX XXXX stated " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to XXXX XXXX XXXX XXXX receipt # XXXX XXXX Fl, sent XXXX / XXXX / XXXX , next funds sent to different person as XXXX XXXX stated our case was with a different attorney now need to send {$730.00} to be sent to XXXX XXXX receipt # XXXX , XXXX Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to XXXX to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond. I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.
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| 04/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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On Saturday, XXXX XXXX, 2015, I received an " Annual Escrow Account Disclosure Statement '' from Ocwen Loan Servicing , LLC for my primary mortgage that they service. The analysis stated that I could pay {$1000.00} to cover the balance that would be needed in the account. I promptly put a check in the mail on Monday, XXXX XXXX, 2015 for said amount. Several days pass, and I inquire every other day until finally on Friday, XXXX XXXX, 2015. After speaking with " escalation specialists '' on different occasions, and since Ocwen could not find the check, I put a stop payment on the check and provided payment over the phone. However, this payment was not applied to ESCROW, but to my principal. I called back the following week, several times to get it resolved, and the money was moved to a " Suspense Account '' and NOT to ESCROW. Enough was enough, I contacted an Ocwen XXXX and started the ESCROW closing procedure. There was a balance of {$1600.00} in this account at the time of the request, which was made the week of XXXX XXXX, 2015 via fax, ombudsman and USPS to cover all bases. The ESCROW account was closed before my next payment due on XXXX XXXX, 2015, and to their credit, Ocwen adjusted the amount of my payment drafted to only be P & I. However, Ocwen still had a total of {$2600.00} of my money at this time. Numerous phone calls again ensued. The week of XXXX XXXX, 2015, I finally receive a check for {$1000.00}, but I was still owed the ESCROW balance. The following week of XXXX XXXX, 2015, I received the ESCROW balance plus another {$1000.00} -- they overpaid me! After working and waiting for 2 weeks with an ombudsman, there is still no resolution. An inquiry into my account revealed that I finally have a negative {$1000.00} balance on my closed ESCROW account, and have not cashed the {$2600.00} check, but plan to on Monday, XXXX XXXX, 2015. I called Ocwen again today, Sunday, XXXX XXXX, 2015 and was told they have marked my account negative because " XXXX payments in the payments in the past 12 month period have been denied by the customers financial institution '' -- apparently, they finally received the check on which I stopped payment, and instead of looking at the notes on the account, they decided to keep trying to deposit it. I 'm not certain if this will negatively affect my credit or not. While this was going on, I have actively been looking to refinance with XXXX XXXX XXXX and hope to close the week of XXXX XXXX, 2015. With this pending action, my bigger concern is that there will be an over or under payment of the mortgage from the XXXX refinance combined with the money I owe them for the ESCROW they overpaid me, and this will take another XXXX 3 months to settle. I 'm also concerned with how they report my account to the credit bureaus once I pay off the loan. Simple processing and mathematics is lost on this company, and the Ombudsman have no way to contact the ESCROW department except via email.
|
| 10/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
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To Whom It May Concern, I have been trying to reach some type of alternative to foreclosure with my servicer Ocwen Loan Servicing , LLC, herein referred to as Ocwen, for years now. I have had no success despite all of the legal problems and issues Ocwen has had over the past years. After a lot of research, I discovered that the right to rescind my loan was still available to me because my loan had not yet consummated under the definition and laws of California, California Civil Code section XXXX. Due to this revelation, I mailed Ocwen a Notice of Rescission on XXXX XXXX, 2015. Ocwen received my Notice of Rescission on XXXX XXXX, 2015. Since receiving my Notice of Rescission, Ocwen has not taken any steps to be in compliance with the Federal Truth in Lending Act, herein referred to as TILA. Pursuant to TILA, my debt obligation is canceled immediately. It is self-enforcing and it automatically extinguishes the lien and the liability by operation of law. After receiving my Notice of Rescission, Ocwen had XXXX ( XXXX ) calendar days to take all necessary steps to remove the deed of trust from my property, return all monies they received for my home or file a declaratory action against to challenge the rescission. Ocwen chose not to do either. Under TILA, the creditor 's interest in the property is automatically negated regardless of its status and whether or not it was recorded or perfected. Furthermore, the security interest is void and of no legal effect regardless of whether the " creditor '', the entity that actually lent me the money, or Ocwen makes any affirmative response to my notice. Since Ocwen and/or the actual " creditor '' failed to file a declaratory action against me within XXXX ( XXXX ) days after receiving my Notice of Rescission on XXXX XXXX, 2015, they and/or the " creditor '' waived any affirmative defenses to the rescission and have given up any rights to a claim on my property or a claim to the money they alleged they lent to me. The debt is not only unsecured, but it is eradicated starting from my rescission notice and ending with Ocwen 's and/or the " creditor 's '' failure to comply with TILA within the XXXX calendar day period mandated by TILA. Based on TILA, there can be no legal foreclosure on my home. Presently Ocwen is attempting to enforce a foreclosure on a deed of trust that no longer exists. Under TILA, Ocwen is mandated to cease and desist the foreclosure against my home presently set for XXXX XXXX, 2015. There is no question that Ocwen is violating TILA. Given the blatant disregard and disrespect for my rescission rights, I respectfully request that the Consumer Financial Protection Bureau look into this matter, review it with critical detail and determine that Ocwen is in violation of TILA and they are subject to liability under the Act and immediately cancel all foreclosure action against my property and forward me a reconveyance as mandated under TILA.
Sincerely, XXXX XXXX
|
| 05/11/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We currently have a loan with Ocwen. We were naive and got into a loan we should have never qualified for and should have never accepted it. This was in 2006 . After receiving mailers and offers to refi through their sister company Homeward we thought it would be a good time and put in an application. That 's when the mess began. To keep this simple here are the main issues.
1. We received a denial letter before we even completed our submission of required paperwork. I had been sending documents over and requesting for statuses by email from the processor who failed to respond on multiple occasions. Without the opportunity to complete the information requested or being advised further information was needed how could they deny the loan. I have a copy of the underwriters book from Homeward and this is against thier policy.
2. We w ere charged XXXX for the appraisal and according to the appraisal itself it was only XXXX . There was never any mention by Homeward they were tacking on anything additional. 3. They claim they could not verify employment. My husband works as a XXXX XXXX XXXX with a client in our home. We provided check stubs, tax documents showing the room and board portion of the income, checking statements showing deposits that match the stubs, a verification letter from the company that pays us, an email from the company that pays us, it 's documentation with the statute that applies to difficulty of care payments and why it was n't on the tax documents. Once all of that was provided they moved on to other requests then we had the appraisal. I was under the impression that the income was ok because we received no communication from them to lead us to believe there was any issue prior to the appraisal as I was not receiving responses from the processor. If I had I would have either complied with request or cancelled the appraisal.
3. They stated that our loan was denied as well due to a credit score. They credit score w as XXXX . Not great but they knew all that before the appraisal and never once mentioned it and was actually told it would be fine. Their concern was debit to credit ratio but because we were cash out to consolidate that would have resolved that problem immediately. It was explained to me that with the cash out and pay off because the debt was being paid off it would n't count toward the ration for fha. 4. Our house appraised at XXXX higher then what i s owed.I believe that because Ocwen and Homeward are basically same company different name that they did not want to rewrite the loan as they stand to make a lot more if t hey leave us in the high interest rate and balloon payment. Why else would they not let us finish our submissions, not respond to emails and status checks.
5. In constant and no communication. Not responding to emails or calls.
6. Notifying of the decline and not complete the file.
These are the main issues. Communication was the worst
|
| 07/29/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We recently started our mortgage with PHH Mortgage Service, and it was the worst and unprofessional service I can ever imagine.
My first payment due is on XX/XX/20 and my loan underwriter transferred my check ( in full amount ) on XX/XX/20 by USPS certified mail, according to the tracking record, they received the mail on XX/XX/20, but since then I called multiple times to verify with them on timeline they will cash the check and apply it to my account. They keep stating that they didn't receive the check although I provided the USPS tracking number, my XXXX check number. Time though end of XXXX, they still didn't cash the check and end up sending me a letter stating that they are " not in receipt of the check '' dated on XX/XX/20.
So immediately after that ( XX/XX/20 ) I provided another check with 2 months worth of the mortgage payment to cover both my XXXX and XXXX dues. They cashed that check on XX/XX/20. At the same time, I scheduled my automatic payment on their service portal starting XX/XX/20 and thinking finally I straight out this frustration and since usually the first payment have a greater grace period, I should be no problem on delinquency issue.
Suddenly they also cashed my original XXXX check on XX/XX/20. So I called them again telling them I have already scheduled my direct debit ( or auto payment ) starting XX/XX/20 and over the phone they verified the account status is normal and they agree that there is an one month worth of mortgage overpaid. So I request a check back to me since paying 3 months worth of mortgage from my bank account within one month does create some cash flow pressure.
I received this reversal check in mail on XX/XX/20 but they also sent me a separate letter stating that my auto payment get canceled due to the status of my loan. I called to verify the reason on the cancellation. The answer I get over the phone is that they see ( 1 ) a reversal fund request and ( 2 ) my account status is delinquent. I told them they are not stating the truth and all the frustration are caused by their fault at the very beginning on how they handle my first check. At this point, they agreed to see if they can reinstall my auto pay request back so that I don't have to again sent them another paper check.
During this whole process, I feel they are creating hassles and problems due to their poorly designed service and poorly managed representatives team - I have to repeat my problem over times and I receive a lot apologies over the phone but really not getting problem solved effectively. To set a mortgage account straight is not hard rock science and it only requires a bit professional care that they suppose to do. And to answer some regular request in absolutely normal course of business shouldn't be this problematic. I don't have faith on them to maintain my mortgage account accurate at this point. I will definitely look at all options I have to transfer to another one if possible.
|
| 07/29/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We recently started our mortgage with PHH Mortgage Service, and it was the worst and unprofessional service I can ever imagine.
My first payment due is on XX/XX/20 and my loan underwriter transferred my check ( in full amount ) on XX/XX/20 by USPS certified mail, according to the tracking record, they received the mail on XX/XX/20, but since then I called multiple times to verify with them on timeline they will cash the check and apply it to my account. They keep stating that they didn't receive the check although I provided the USPS tracking number, my XXXX check number. Time though end of XXXX, they still didn't cash the check and end up sending me a letter stating that they are " not in receipt of the check '' dated on XX/XX/20.
So immediately after that ( XX/XX/20 ) I provided another check with 2 months worth of the mortgage payment to cover both my XXXX and XXXX dues. They cashed that check on XX/XX/20. At the same time, I scheduled my automatic payment on their service portal starting XX/XX/20 and thinking finally I straight out this frustration and since usually the first payment have a greater grace period, I should be no problem on delinquency issue.
Suddenly they also cashed my original XXXX check on XX/XX/20. So I called them again telling them I have already scheduled my direct debit ( or auto payment ) starting XX/XX/20 and over the phone they verified the account status is normal and they agree that there is an one month worth of mortgage overpaid. So I request a check back to me since paying 3 months worth of mortgage from my bank account within one month does create some cash flow pressure.
I received this reversal check in mail on XX/XX/20 but they also sent me a separate letter stating that my auto payment get canceled due to the status of my loan. I called to verify the reason on the cancellation. The answer I get over the phone is that they see ( 1 ) a reversal fund request and ( 2 ) my account status is delinquent. I told them they are not stating the truth and all the frustration are caused by their fault at the very beginning on how they handle my first check. At this point, they agreed to see if they can reinstall my auto pay request back so that I don't have to again sent them another paper check.
During this whole process, I feel they are creating hassles and problems due to their poorly designed service and poorly managed representatives team - I have to repeat my problem over times and I receive a lot apologies over the phone but really not getting problem solved effectively. To set a mortgage account straight is not hard rock science and it only requires a bit professional care that they suppose to do. And to answer some regular request in absolutely normal course of business shouldn't be this problematic. I don't have faith on them to maintain my mortgage account accurate at this point. I will definitely look at all options I have to transfer to another one if possible.
|
| 07/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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Dear CFPB. I am writing you in regards to my current housing and income situation, as I am on the verge of becoming delinquent within months on my mortgage. Years ago, I ran into similar trouble, and my XXXX mortgage holder put in place a permanent modification which I still have today, with out asking me to first go delinquent. My XXXX trust holder provided a temporary solution in place which the interest rate has since increased last year and again next month. My loan is now owned by a different servicer, Ocwen. I also no longer have the same job and am with a new company since XX/XX/XXXX, taking a significant pay cut. My wife also begins school next month, which I took out a loan from my XXXX to pay for the first year. At the same time, we are still paying for a large medical expense for her. As a result, I filed the necessary paperwork for a loan modification, as I wish to keep our home and continue paying on time. I am on time now, but unfortunately that will soon change as I exhaust all funds. We are living check to check and by credit cards now.
My current loan servicer is Ocwen. On XX/XX/XXXX, I completed the application for mortgage assistance and sent it electronically by close of business. On XX/XX/XXXX at XXXX, I received a call from Agent XXXX at Ocwen. Truly, I am not sure why he called as he spoke about payment options if I wanted to apply for a modification. I told the agent I had already applied. He said " oh, let me check on it. '' The agent told me that I was already denied because I did not meet the criteria to include being delinquent on my home loan. I told him I do not want to go delinquent and was instead seeking assistance in advance of that occurring. He then told me I was " twisting his words '' and that he never told me that I needed to go delinquent and that was only the investor 's guideline. I asked for the investor 's information and he replied he could not provide me, but would email it to me within 2 business days. I asked who I could I contact if I do not receive and was told " no one, but I will get it. '' I then asked to speak with the agent 's supervisor, which he chuckled at quietly, not realizing I heard him and apologized after I mentioned it. After holding for several minutes, the supervisor joined the call ( Agent XXXX ). I briefed her on the poor treatment I received from her agent, she apologized, but stated since I was not delinquent it was apparent I could make the payments. I responded by asking if she had looked at modification application, as she would have saw the XX/XX/XXXX job change and most recent pay stubs. She stated there was nothing she could do.
I truly need the CFPB 's help to save my home. My income has decreased, my interest rate is rising, my bills are not going away, and I running into high credit card debt. I do not want to walk away from our home and wish to exhaust every chance to keep it.
Thank you for your time and consideration.
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| 05/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Dear Sir / Madam, I would like to bring your attention to the situation created by my Loan servicing company, Ocwen Loan Servicing LLC . Last year there was a situation when Ocwen by mistake paid XXXX XXXX taxes of a property owned by me but held by another mortgage company. Without realizing their mistake, Ocwen modified my loan for the first few months of XXXX. When I realized their error, I tried to resolve the error and reduce my XXXX by calling their call centers. When nothing helped, I created a complaint in the CFPB website, numbered XXXX.
Here is how Ocwen Loan Servicing responded to that complaint : CFPB Case Response from Ocwen ( Can be verified in the case details ) " Ocwen is still in review of the account. '' After careful review of my case, XXXX XXXX XXXX, on behalf of Ocwen Loan Servicing LLC, on XXXX XXXX, XXXX, wrote me a letter of appology ( attached as proof ). In that letter she agreed that, " On XXXX XXXX, XXXX, Ocwen disbursed {$3400.00} from your escrow account to pay property taxes due for your property located in XXXX XXXX. It has since been confirmed that the property address located in XXXX XXXX is your primary residence, and is serviced by another mortgage company. Therefore the funds disbursed by Ocwen for the property taxes for the residence in XXXX XXXX were sent in error. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) She also wrote that, " In addition, your request to remove the escrow account from your mortgage was granted on XXXX XXXX, XXXX. After XXXX XXXX, XXXX, you are responsible for the payment of the property taxes and homeowner 's insurance in the property mentioned above. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) When Ocwen itself acknowledged that it was their error, in XXXX, how the same company in XXXX is sending me notice that my loan XXXX is changed to {$1200.00} instead of {$570.00} to recover the money Ocwen agreed they paid in error.
I have anther property at XXXX XXXX XXXX XXXX IL XXXX. If Ocwen continues their standard of loan servicing what is the guarantee that they will not pay the property taxes due for that property ( and not managed by Ocwen ) and ask reimbursement from me? I am under considerable financial stress due to Ocwen 's error and would like your kind attention to get relief from this kind of infringement of my financial rights ( paying taxes for my properties without my consent and then forcing me to pay back ).
As proof, I have attached different sections of the letter sent to me by Ocwen on XXXX XXXX, XXXX to acknowledge their error, the proof that I paid the property taxes in XXXX, XXXX to XXXX XXXX where my property is, email and website confirmation of both installments of property taxes due this year. I marked special section of Ocwen 's letter for ease of comprehension. I also attached Ocwen 's statements, and all the proof that I also submitted for the last year CFPB case number : XXXX.
Your sincerely, XXXX XXXX ( XXXXXXXXXXXX ) XXXX )
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| 07/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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|
Web |
Older American |
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XXXX. In XXXX I obtained, what i know now as, a sub-prime loan, from a predatory mortgage company, XXXX. I had an adjustable rate mortgage, based on the XXXX. During the last XXXX or 3 years, the news revealed that XXXX banks connected with the XXXX had manipulated the market in favor of themselves ; to the detriment of consumers. So, not only was I a victim of my own country 's predatory lending practices, I was also a victim of the XXXX XXXX My margin was XXXX and the floor was 9.90 % .. I did n't understand then, but I do understand now, how much of a financial disaster those terms were. Regardless of climate, or payment history, my rate would NEVER go below 9.90 %.
I have never been 30 days late. I have always paid a little extra in my payment, with the hope of reducing my principle balance to the point that i would be paid in full, prior to the 30 years maturity.
In XXXX, I was a victim again, as so many others were, of the economy. My employment dried up, the equity in my home, that had been growing no longer existed. From XXXX until now, i have been out of work for XXXX or 3 years total. I have used every dime in savings to keep my mortgage payment current. When my loan was transferred to OCWEN, i tried to get a refinance or modification or something. I was told i could only be helped if i was in default and they could work out some kind of disastrous deferred payment plan. There plan scared me so badly -- i knew that I would have never been able to dig out of that hole. Their customer service reps were all deficient in the English language and had no empathy in trying to help a person get through those horrible financial times.
The interest rate began to drop finally and significantly to below 5 % for a fixed rate -- and there I was still paying 9.90 % ... never once was I able to take advantage of the rates that were being offered to help people stay in their homes. Never offered XXXX or XXXX My mortgage company was biased toward foreclosure! Especially because I have an address in XXXX that was more poised to economic recovery, than some of the other neighborhoods.
I was finally granted a modification from Ocwen in XXXX - my rate went down to 3.750 % - ( fixed rate ), BUT -- I have an {$85000.00} balloon payment due at maturity!!!! I will be XXXX XXXX XXXX at maturity. I have always paid my mortgage on time ; I have paid a rate of 9.90 % for years when the rate was less than 5 % in the market. I have always paid a little extra on my principle -- - I will never, EVER, be finished paying this horrible mortgage!!! should i have walked away, and sent them the keys, as so many other consumers have done!!??? This company has made a fortune on me and so many others!! Where will i work at age XXXX -- I can barely find work at age XXXX ( now )!! This {$85000.00} is a false number -- I should have never signed a note with a 9.90 % floor -- but they convinced me that i had the best rate in the world!
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| 05/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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I have an issue with Ocwen Loan Servicing. I lost my job XX/XX/XXXX due to illness, and have been working as hard as possible to make the mortgage payment since. On XXXX XXXX, I filled out the paperwork for a loan modification. I called Ocwen XX/XX/XXXX to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on XXXX XXXX. I was also set up with a phone meeting with my Ocwen loan representative, XXXX XXXX on XXXX XXXX. I did receive a phone call from Ocwen on XXXX XXXX, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, XX/XX/XXXX and XX/XX/XXXX. I politely told the gentleman that I had not even received the information on the modification until XXXX XXXX, and that there was no way I could have made a payment on XXXX XXXX, when I was n't even aware I was approved for the modification. He had no answer for this, but insisted I send a signed profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on XXXX XXXX, I had given them the last 3 months plus my entire XX/XX/XXXX profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with XXXX numbers on it, gross income, business expenses and net income. My statements had all XXXX. He then set me up with another phone meeting with my loan representative for XXXX XXXX and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then XXXX, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as " Other Fees ''. They said it was a drive by inspection, but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home, but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?
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| 02/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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This mortgage is with PHH. Our previous complaint number was XXXXXXXX XXXXXXXX.
I did not answer back on that complaint because to me their response was more of the same untruths that I had seen in other letters to the Attorney General. My life experience is very different from what they have in their response. But this complaint is to finalize my experience with them and I need your help. This proves that they are fraudulent as I have said all along.
I offered them a payoff on the home of {$100000.00} on XXXX XXXX. They needed over 4 weeks to get another appraisal on the home before they turned that down. That is what I owed when the mortgage CLOSED in XX/XX/XXXX. ( We had hired a lawyer to sue Ocwen/PHH for fraud and he actually turned out to be fraudulent as well. He NEVER gave us ONE document that the mortgage company gave him from XX/XX/XXXX till we received the ACT 91 notice in XXXX XXXX including their loan modification offer to this day ). Unfortunately, they were continuing to add on to the CLOSED mortgage every month through the pandemic.for the past two years.
XXXX XXXX XXXX, who gave me the refusal, also suggested to offer {$110000.00} which I did. It took them till XXXX XXXX, to turn that offer down. They sent several letters for extension saying they had to do research and I had a complaint???? ( don't know what that was ). I had asked for an answer by XXXX so that we would be able to enjoy our last family XXXX together as my mother has XXXX XXXX and I had been in and out of the ER and doctor 's offices because I could no longer keep my food down without medicine and extreme pain. The doctors finally deduced this was due to the mortgage stress and loss of income due to attendance at the events we do for a living because of the virus and a severe loss of income. So XXXX was a hellish month for myself and my husband instead of one of holiday joy.
Then XX/XX/XXXX, we received an email from XXXX XXXX, who has always been amiable, saying that our {$110000.00} offer was unacceptable and the " investor '' wanted the full amount of {$130000.00}. Our original mortgage in XXXX was {$140000.00}. We received {$10000.00} in principal credit through the HAMP program from President Obama 's program, so the " investor '' is giving us credit on 3 MONTHS of mortgage payments that we made during 15 YEARS of making payments. XXXX XXXX gave us until XXXX XXXX to obtain the additional {$16000.00} in funds. However, this past Friday, the XXXX of XXXX, we received a letter dated XX/XX/XXXX that they have hired a lawyer and STARTED the FORECLOSURE process on us. I had told her all along the 14 months that we have been communicating that I wanted to avoid that at all costs. At no point in her email to us did she say that she was going to foreclose on us before XXXX XXXX.
She NEVER SAID that we had to overnight {$130000.00} to avoid the FORECLOSURE process. We want that FORECLOSURE process STOPPED NOW!!!!
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| 07/01/2020 |
Yes |
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- Trouble during payment process
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|
Web |
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Dear XXXX, Cant you talk to us directly, at least once to listen our reservation and documented proof we, have.
Please talk to below mentioned authorized official XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXk, NY XXXX XXXX : XXXX Cell : XXXX Fax : XXXX Email : XXXX.
You mentioned, we did not requested loan modification, per our record, we requested in XXXX We have sent proof to MA attorney General office today that we have applied for loan modification but did not get any answer from OCWEN.
We have emailed you and left voice mail dated : Mon, XX/XX/XXXX, XXXX XXXX and Tue, XX/XX/XXXX, XXXX XXXX.
We, just requesting you to talk us. We, however, believe we have a plan that will provide a winning situation for PHH and for the refugees we want to help. We have a benefactor who is interested in providing immediate financial assistance to us with respect to the XXXX XXXX XXXX building and we would like to discuss this opportunity with you after we have an opportunity to review the complete file.
If PHH can accept the reinstatement, please let us inform, so that we can send you reinstatement in 4 business days.
Or If PHH agree, we can proceed with pay of the loan, we have friends of XXXX, who have approved financing to go ahead.
You will receive, formal communication from us by our attorney ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX TEL : XXXX FAX : XXXX EMAIl : XXXX I would request, reply to him or contact him.
We are in receipt of your letter dated, XX/XX/XXXX, explaining PHHs position regarding the mortgage loan with respect to the property at XXXX XXXX XXXX, XXXX, Massachusetts, and the auction sale of the property.
In accordance with your offer, contained in your letter, to provide us with documentation related to the loan file, we are hereby requesting that you provide a copy of the entire file to us, including, without limitation, all documents and communications, regardless of form or type, for our review.
After we have had an opportunity to review the file, we would appreciate your setting up a meeting with us as soon as possible to discuss any issues we have, with the goal of finding a fair and equitable solution for all parties involved.
We are in receipt of another letter issued dated XXXX XXXX, received XXXX XXXX. Where you mentioned we did not apply for loan modification, however our record shows, we have requested loan modification Please be advised, If PHH proceeds with the sale of the property or any other way alter the title of property, before the providing us the loan file and give us an opportunity to review the documentation and give you documented proof, we have back to you, will be considered violation of the consumer rights and Ocwen agreement signed with MA attorney general office.
Please be advised that nothing contained herein shall be construed as an admission or as a forfeiture of any rights we may have at law or equity.
With kind regards,
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| 06/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American, Servicemember |
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Dear CFPB - please see the information below - this is NOT a duplicate - I am requesting your assistance to get OCWEN to correct erroneous CREDIT Reports and charging late fees for payments made as agreed in the RESPA. This is NOT a duplicate request. Thanks XXXX XXXX Print complaint Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT FOR CFPB : I do not believe just sending this complaint to OCWEN will resolve the issue. I have not seen anything different from my trying to resolve the issue directly with OCWEN. OCWEN clearly shows they began servicing my mortgage on XX/XX/XXXX, IAW the RESPA, and their records clearly shows ALL payments made on time with the right amount of mortgage payments. OCWEN continues to report Mortgage servicing by a PREVIOUS mortgage company and bases their records on WRONG information. IAW the RESPA OCWEN began servicing my Mortgage Loan on XX/XX/XXXX, NOT XX/XX/XXXX, through today,. OCWEN 's records and mine CLEARLY shows there has never been a late payment since XX/XX/XXXX. ALL payments always made as specified by OCWEN and ALWAYS before the required due date.There has never been a late payment to OCWEN. IAW verifiable records. PLEASE CORRECT : IF OCWEN cares to report to the CREDIT Bureau 's it should be CORRECT and IAW with the RESPA. from XX/XX/XXXX NOT XXXX, through today. There should NOT be any late charges because the monthly mortgage payments are always the CORRECT amount and always paid to OCWEN on time. AGAIN, OCWEN should be reporting for the period they serviced my mortgage, XX/XX/XXXX, IAW the RESPA from XX/XX/XXXX through today. XXXX began servicing my Mortgage on XX/XX/XXXX through XX/XX/XXXX. I have records showing the mortgage payment amounts to XXXX were specifically stated by XXXX and the specified amounts were always paid to XXXX on time, NEVER Late and always the amount specifically specified by XXXX. IF XXXX reports to the credit bureau 's it should be accurate. RECORDS clearly shows the CORRECT Mortgage amounts as specified by XXXX were always paid on time. Please correct the WRONG reporting.
View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond.
Their response should include the steps they took, or will take, to address your complaint.
You should receive an update from the company within the next 15 days, and a final response within 60 days.
Marked as duplicate STATUS Marked as a duplicate complaint on XX/XX/XXXX
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| 07/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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I am filing a complaint on Ocwen Mortgage. On XX/XX/XXXX my ex-husband, husband at the time, and I purchased a home through XXXX XXXX for {$70000.00}. On XX/XX/XXXX we sign paperwork to sale the home with assumption through a lawyer to someone else for {$67000.00}. We asked the attorney at the time if we would still be financially obligated on the home and he stated that this would release us from financial obligations. XX/XX/XXXX, I found this company, Ocwen Loan Services, on my credit report. Since I never heard of the company I thought I would give them a call. I spoke with XXXX XXXX, Agent ID # XXXX, who told me that I was not authorized on the account. When I told her that they were on my credit report which gave me authorization on the account, she asked for some personal information to confirm my identity. She was then able to find my name in there system along with my ex-husband. XXXX XXXX stated that we were still financially responsible for this home/loan. She could not explain to me why we were still on the account, so I requested someone who could. I was then transferred to XXXX XXXX, XXXX ID # XXXX, Escalation Manager. XXXX XXXX researched the paperwork and stated that she did not know if the assumption was completed or not, but she did find the assumption paperwork and did not know what type of assumption it was. I asked XXXX XXXX why my ex-husband and I were still on the account when he nor I had no knowledge of it. I also stated to XXXX XXXX that even if we were still financially obligated, unbeknown to us, our financial obligation would have ended in 30 years, since it was a 30 year mortgage. Therefore I wanted to know why this information was showing up on our credit report after 30 years when it never showed up before now ( Of course when I informed my ex-husband about the account, he had no knowledge of it. He then checked his credit reports and found the Ocwen Loan Services were on his credit reports as well ). Our 30 years would have ended in XX/XX/XXXX according to our initial mortgage note. Therefore why is it showing up after all these years for the first time in XX/XX/XXXX. Since we sold the house with assumption in XX/XX/XXXX according to our paperwork, why is it showing up on our credit report with a balance of over {$43000.00}. We never signed anything other then the Sale with Assumption in XX/XX/XXXX. XXXX XXXX stated she did not know what was going on w this assumption and she would have to send the paperwork to the Loan Department for them to review and they would get back to me. Currently I 'm still waiting. If there is anything we can do to clarify this issue, please let us know. Whenever we talk to the company we always get a different person and end up with the same conclusion, no one knows what 's going on with this assumption and we are not authorized on the account. But we are still financially responsible for this loan according to Ocwen Loan Services.
|
| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am requesting an investigation of fraud and predatory lending on XXXX XXXX Mortgage and PHH Mortgage. I recently had my mortgage documents reviewed by a mortgage professional because I believed my sister ( XXXX XXXX ) and I were victims of mortgage fraud and predatory lending. My loan originated in XX/XX/XXXX by XXXX XXXX XXXX. I was supposed to be a co-borrower to help my sister buy her first home. I am a veteran but during that time frame I was on XXXX XXXX and was on my way to XXXX. The loan officer had my sister and I fill-in two applications for the mortgage loan. I was advised that I would be the co-borrower for only a few months until they refinanced the loan with only my sister on the new loan. I recently discovered that only my name was on all the mortgage documents of XXXX XXXX Mortgage although during the closing both my sister and I was required to sign all the mortgage closing documents. We were advised because we was bother and sister we had to sign separate documents. However, on the 2nd mortgage both our names are on the mortgage closing documents together.
The loan officer put us in a sub-prime loan product and recommended two mortgages as an 80/20 loan product. The first mortgage was 80 % and a second loan 20 %. We had asked for a normal conventional loan but we was advised that we would have a regular conventional loan when they refinanced my sister in 3 months by herself. We was also put in a interest only loan for the first 5 years on the first mortgage and an interest only loan on the 2nd mortgage with a balloon payment. The balloon is now coming due in XX/XX/XXXX.
I have attached an article regarding XXXX XXXX being held responsible for loans that they purchased from Mortgage Brokers in the XXXX area due to illegal actions with sub-prime lending. I believe XXXX XXXX Mortgage and PHH Mortgage as my 1st and 2nd mortgage lien holders should be held responsible for the fraud and predatory lending on my loan.
I also believe XXXX XXXX has continued to take advantage of me as a veteran, when they modified my loan in XXXX. My loan was modified to a 40 year loan. My sister has made every payment and the balance reflects very little paid to the principal balance of the first mortgage and nothing on the 2nd mortgage. We are also questioning the value and sell price when we purchased the home for my sister. It appeared the seller and the loan officer at XXXX XXXX XXXX knew each other. We are upside down on our mortgage and refinancing will be impossible.
I have requested my original mortgage documents from my lenders but I have not received our original applications, HUD 1 and Closing documents to send to your office. I am also requesting a full investigation and I am asking that your review the attached documents of the government investigation of XXXX XXXX and require similar actions against XXXX XXXX and PHH Mortgage on my behalf.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/20/2019 |
Yes |
- Mortgage
- Reverse mortgage
|
|
|
Web |
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We lost our home in the XXXX fire and it was a complete loss. We have a reverse mortgage on it with Ocwen as the mortgagor. We tried to get a hold of Ocwen to let them know what happened and find out what we needed to do to settle the issues with them. We called Ocwen gave them the details and tried to look up our account with the social security number, the home address, the telephone number xcetera and they had no record of the mortgage. We made various attempts to contact them to resolve this issue and it seems like nobody new who we should get in contact with to get this issue resolved! We ended up sending a letter which got no response. Then we sent a certified letter which did get a response we found out they got the message. In trying to get a hold of someone who knew what we should do or the process we should follow was very, very difficult. we got switched from one Department to another department and people just did not know what they were doing.
After a lot of effort I finally got ahold of Ocwen 's Reverse mortgage servicing Department and a person named XXXX XXXX. Tried to let him know what was going on and the efforts we made to get ahold of someone who could help and the fact that we had been trying for months to do so. I let him know that we needed to find out how much money they had spent to acquire the reverse mortgage, all of the charges that were involved, and what we needed to pay. He gave me the amount that was due at the time of our conversation or the prior month.
I let him know that we needed to have it retroactive back to XXXX when we tried to contact them because we made the effort to resolve this issue and we couldn't get a hold of anyone to do it. He said they don't have any means of going back and getting the payoff to the XXXX date. I asked him if I could speak with his supervisor and he would not give me a phone number. However, I did get an email for his overseer Mr. XXXX and sent him an email explaining what was going on and asking for his help.
Because we felt that the lack of communication was on Ocwen and that we had been treated unfairly reached out to the consumer affairs Department, HUD, and the Attorney General the state of California. This is part of the process we're going through now. We also found out that there's not a whole lot of information about how to deal with people who handle reverse mortgages. Even the governmental departments don't really know what's happening with those mortgages.
It's very frustrating when you have a huge company that doesn't fulfill their responsibilities and gives you the run around and are not willing to work with you. Not only have we lost everything but, now we have to spend time energy and the emotional energy ( which we really don't have ) to deal with an organization that could care less about what's happened, what's happening or how you are being affected by the devastating affects of losing everything.
|
| 11/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
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My mother became ill last year and I had used up sick time and PTO after XXXX XXXX just prior to that. I took additional time off to be with her during her passing in late XXXX XXXX, resulting in several lost work days/time. I became 2 months late on my Mortgage. Then in XXXX my checking account was compromised, losing just over {$2000.00} on the deposit day. As my account was locked for 2-3 weeks to be investigated and return of funds, I was nearing being late on a third mortgage payment. I called my servicer ( PHH/Ocwen ) XXXX They offered me a forbearance due to hardship ( namely covid ). This was for 3 months. Nearing the three-month end, I had not heard from them and called them. I was asked if I could resume my payments, and I verified that I could. They declined this and extended my forbearance, against my protest, for an additional 3 months. Again, at the end of this 3-month period, I had to call them. They sent me a loan modification request. I got it notarized and sent it in. They sent me a vague letter that it had been declined. When I called, I was told that I had not signed my maiden name on it. This was not indicated in the 'sign here ' area and was not instructed in the ( again ) vague packet they sent me. They told me how to sign and I took a second pack to another notary, sent it, and they declined it because the notary had not signed it the way they wanted. When I called, they said they would send me a notary from the company, who knew how everything needed to be. When I met this notary, I discussed the issue, and she reviewed the info from the pack. She saw no indication to sign any differently and actually instructed me to sign as written. This third attempt has just been denied, the modification has been cancelled. I called the company, after receiving that third and final declination letter, and the person acknowledged it was a clerical error on THEIR part, in underwriting. The representative said she was sending an appeal and a new packet to me to reapply. This I know will be declined, as the hardship has passed and XXXX relief has ended. I owe just over {$26000.00} on my mortgage and the home beside me, less square footage, yard etc, just sold for $ XXXX. PHH/Ocwen has been sued for {$74.00} XXXX in 2017 by the US government XXXX XXXX XXXX XXXX due to fraudulent loan activity. They have had numerous other filings listed against them. I contacted legal assistance through a HUD referral. They representative told me this is a predatory lender, well known to him. XXXX, my legal representation has started a Lender Compliance Program with me and have reassured me that PHH can not foreclose and that I will protected. This service is costing me {$4000.00}. I have not received any letter of demand yet or any threats or letter/talk of foreclosure. However, I feel my home is at stake here and feel the foreclosure laws of WV do little to protect the buyer from these lenders.
|
| 08/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
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In XX/XX/XXXX, my mother and I got a home equity loan from Homecomings Financial/GMAC for $ XXXX. The terms were 6.75 %, interest only, amortized over 30 years, with principal payments to start if we still had the loan after 10 years. Due to health and job losses, we were unable to keep up with these payments ; we eventually declared bankruptcy. We agreed to a loan modification that lowered the rate to 6 %, keeping it interest only for the remainder of the loan ( XXXX ). We agree to add interest payments we had missed and escrow shortages, as well as late charges to a new unpaid principal of {$270000.00}.
Ocwen purchased my loan from GMAC after modification ; I confirmed Ocwen has the loan mod docs. I have been making payments on time per the modification since XX/XX/XXXX. My usual payment is {$1500.00}. In XX/XX/XXXX, Ocwen told me my payment is changing to {$2200.00} because the interest rate went up to 6.75 % and now I have to pay interest. They also added {$250.00} in late fees incurred BEFORE the loan modification, even those fees were rolled into the new principal amount when the loan was modified.
There are also errors & undocumented fees reflected on my payoff. For example, the new principal if for interest portions from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, but GMAC 's own records show I paid the XX/XX/XXXX amount. The escrow shortage reflected is also incorrect ( GMAC doubled the amount, and initially charged me double ( $ XXXX/mo ) after the loan modification until they caught the mistake about six months later ) ..
Finally, I have been trying to get the payoff corrected since XX/XX/XXXX, and have provided them documentation but they do not respond to what I have presented and refuse to resolve this. Their payoff shows legal fees, but the only legal fees were incurred AFTER the loan was modified and when I was in compliance, so it would not have been reasonable to hire a lawyer to foreclose or take any action against me at that time. They also, AGAIN, are trying to charge for late fees already rolled into the principal. rOn XX/XX/XXXX, I had a friend help me talk with an Ocwen agent who went through every aspect of this case in a call that lasted over an hour. He agreed that there was a clear error by Ocwen and said that we should fax a letter and the issue regarding the monthly payment and the payoff would be addressed in no more than 10-15 days. We faxed a detailed letter, with copies of all loan mod docs and proof of their errors ( attached to this complaint ).
I called last week and was told it would take another 30 days. They have several times told me 30 days, then another 30 days, and nothing is ever fixed. I can not afford to pay this amount, and more importantly, I do not owe this amount. I am trying to refinance, but ca n't because they are threatening me if I do n't pay what they are asking and they will not correct my payoff. Thank you very much for your help.
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| 05/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Ocwen Mortgage company took over my mortgage approximately XXXX to the best of my memory, and I did not know who they were or anything about them. I had no choice in this matter and did not seek another mortgage company, they picked my mortgage to exploit for profit. As it turns out I discovered they are merely a collections agency that got into the mortgage business during the XXXX housing crises. They are a nonlending mortgage company that finds people that have had mortgage payment problems and then exploit this by raising the mortgage payments without explanation or remorse to force the sale or foreclosure of the house. They have raised my mortgage payments on a 30 year fixed rate loan ignoring requests for an explanation for the increases in my payments. I was forced to hire a lawyer in XXXX trying to deal with this company and forced into bankruptcy only because of them and trying to not lose everything I have worked for my entire life.
In approx XXXX XXXX they had raised my mortgage by over {$800.00} from the original payment amount and there was no way I could pay it I sought help from them still not knowing they were merely predators seeking profit. I was instructed by their representative XXXX XXXX to get 3 house payments behind allowing them to do a mortgage reconstruction dropping my interest rate and house payment. This was a tactic that when I was behind 3 payments I would not be able to refinance with another mortgage company and would literally be locked into a mortgage reconstruction with them. I did as i was told got 3 payments behind and began the mortgage reconstruction making my 3 trial payments of {$1100.00}. They sent me te paperwork to sign and my principle had gone from {$210000.00} to {$220000.00}. When I inquired and asked for a written explanation for this {$13000.00} they refused and would not explain it and told me to just sign and send the contract. I refused without seeing a written explanation. I tried to make the fourth payment and Ocwen refused my payment and within 5 days sent me foreclosure papers. It has been a legal battle ever since then costing me money without seeing any relief.
Ocwen is well known to CFPB as they were shut down from obtaining new mortgages for the doing to others as they have done to me. Unfortunately, they see the CFPB as a toothless tiger and have merged with another company PHH Mortgage and continue to operate using the same tactics as always. I am now doing battle with PHH Mortgage and my lawyer that admits I was forced into bankruptcy only because of Ocwen has done nothing for me yet has had me send money to the mortgage company that has done nothing to help my situation. In effect it has ruined me, a XXXX veteran that is a XXXX and I am going to be forced out of my house with nothing. Ocwen/PHH Mortgage are destroying the lives of people every day and disregard every government agency that slaps them on the wrist.
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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What is this complaint about?
Refusal by PHH Mortgage services ( PHH ) to evaluate my loss mitigation application stating I did not reached out to them six months before the Mortgage Ballon and their refusal to release the investor ( s ) related to the loan.
What type of problem are you having?
The PHH Mortgage Services Companys ( PHH ) refusal to look at, and properly review my application for a modification insisting that it should have been submitted six months before the ballon became due. However, when I reached out to PHH on XX/XX/2020, I was told that it was too early to determine any course of action and I should contact PHH in XXXX or XX/XX/2020.
What happened?
On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank.
A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a XXXX Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them.
On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then.
On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.
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| 04/25/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX I was on a modification and I unsuccessfully was able to pay online I called and never received a phone call because all companies at that time were shutting down and scrambling to put people in place to work from home, so I was cheated out of my first modification and had to reapply. I reapplied and was approved for a new modification that was substantially higher and supposed to start in XXXX but because I was unable to secure my unemployment benefits I was given a 90 day extension which made my start date XX/XX/XXXX. I was told it would be the three payments they same as any other XXXX, XXXX, and XXXX so I started making payments, they call would call me twice a month and at no time was I told that I would be required to make two payments in XXXX Until I called in on XX/XX/XXXX to make my last modification payment and was told that I had to mail the last payment in and that I was to wait until I received the final modification papers, which was odd because I always pay over the phone. I was told I couldn't pay online until the modification was complete but that they wouldn't except it over the phone, then I was told that they sent me a letter in XXXX of XXXX. Someone shows up last wk said the lender sent them because it was reported the house was unoccupied, how ironic. Friday the XXXX I received a phone call from a representative who informed me that they had cancelled the modification for none payment and that I would have to reapplying and that they had no other information for me. Saturday XX/XX/XXXX I received a statement saying that they were requiring a payment in the amount of XXXX towards my loan. This is the second time they have done this to me, I have suffered the loss of a job, I have been sick with the virus and Im still struggling financially but I have managed to make the payments, PHH which is formally Ocwen has really been unprofessional and unresponsive when needing assistance, Im asking for assistance in this matter because this seems to be the way they cheat people out of there somewhat reasonable payments, then they take forever to respond and when they do you owe all this money because you haven't paid waiting on a response from them. Times are hard and people are struggling and im one of those people. If they take my house I will have no place to go, I know that Mortgage companies along with other business have received grants and other forms of monetary assistance in a effort to help people stay in there homes. I also know that all calls are supposed to be recorded for quality assurance and Im asking just that to pull the recordings as proof that know one mentioned anything about double payments. Your assistance would be greatly appreciated, I have been in this house for over 20 years and would hate to loose it because of miscommunication and unprofessionalism. Also the late fees and price gouging is terrible.
Thank you XXXX XXXX XXXX
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| 11/22/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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I received another statement from PHH Mortgage company for XXXX payment. Mind you this is the XXXX letter of complaint about this company I am writing to you about. My original loan was with XXXX Mortgage my home was purchased in XXXX.
I went into forbearance in XXXX of XXXX due to the covid pandemic and no employment. in XXXX that forbearance had been extended by XXXX XXXX until XX/XX/XXXX with the understanding that I could come out of it at any given time without penalty and the payments would be added to the back of my loan.
PHH bought my loan in XX/XX/XXXX. PHH did not honor any of XXXX terms. Instead I was reported as being in arrears 160 days and would be foreclosed upon. I explained everything, sent copies of all my XXXX paperwork pointing out where it stated my forbearance extension details. Then and only then did PHH allow me to extend the forbearance with them. until that was cleared up I was harassed daily with calls. I even had a tag left on my front door knob, which is just now being brought to light on my XXXX statement with a " Assessed Expenses '' fee of {$40.00}. I called PHH spoke with a rep named XXXX ID # XXXX and was told this is a fee for them doing a drive by property inspection due to my delinquency on my loan. AGAIN I was NOT delinquent, I was in forbearance. Had PHH done their job correctly they would have known this instead of trespassing and harassing me. Now I face another obstacle of XX/XX/XXXX it was recorded due to the paperwork PHH had me sign, even though when reviewed over the phone with a rep, and I asked where it showed my payments were deferred to the end of the loan, and the rep told me it showed where it said where the loan ends on XXXX.
Come to find out, this was far from the truth. Now I am not a loan officer, not a legal person, I do not understand all their language, but what they did was even before the forbearance was officially up on XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX against my property in XXXX XXXX XXXX for the XXXX forbearance payments, they did XXXX defer them to the back of the loan. Please keep in mind I had paid XXXX and XXXX payments, but they did not count those as my house payments as they should have been.
Then paperwork I signed also has a payment amount of {$1200.00} for a payment each month yet they insist on the payment being {$1300.00} or they will not accept the payment. How can they force me to make a higher payment when it is approved and notarized with the {$1200.00} amount? And now assessing me a charge of {$40.00} stating I was behind in payment and they had to do a drive by inspection to see if someone still lived at the property this is per XXXX ID # XXXX a supervisor who told me it is a valid charge and they want me to pay XX/XX/XXXX payment of {$1300.00}.
Something needs to be done about this company and their unethical practices.
I am attaching 2 pieces of proof of what I am referring to.
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| 12/03/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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COMPLAINANT INFO Complainant Name : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Home Phone : XXXX Work Phone : XXXX Cell Phone : XXXX Email : XXXX Education Level : XXXX RESPONDENT INFO Respondent Type : Organization Respondent Name : OCWEN Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX : Phone : XXXX Account Number : XXXX Person ( s ) you dealt with at the company : XXXX ; XXXX COMPLAINT DETAILS Filing for someone else : No Complaint Description : We were denied 2 times for mortgage modifications with OCWEN. We made all trial payments on time. The first modification payments were made through a wire transfer and XXXX claimed they did not receive them and or they were not on time. The second mondifciation we made all trail payments on time, but due to the hurricane. which caused undelivered mail, we did not receive the finalized modifcation packet on time, which had a due date to be returned. The deadline was missed because we did not receive the packet due to the weather. Once we received thte packey I sent it certified and Ocwen took the package and did not sign the certified postage card as acknowledgment of package being received. NO ONE SIGNED THE GREEN CARD, but we received the GRREN CARD back as if Ocwen had signed for it. It had no signature therefore they stated they did not receive anything from us. In addition. we will provided with the wrong mailing address for the final modification package to be returned So, Ocwen attempted to denied the trial modifcation for their error. Once the trail was completed, I became ill and missed the XXXX XXXX Deadline. Our mortage was paid on XXXX. We were notified our modification was cancelled. Ocwen it a FRAULENT COMPANY and are trying to ILLEGALLY foreclose on customers. I did XXXX XXXX XXXX XXXX, who appeared to side with Ocwen and assisted them with the Fraudlent Acts, Ocwen and XXXX XXXX XXXX has caused my medical condition to worsen due to the constant harrassment. I had to pay XXXX per modification due to the home having to load to XXXX XXXX XXXX. It appeared they were changing their amount on customers for GREED. Also, Ocwen increased my Mortgage modification trial from XXXX on the first modifcation to XXXX on the second modication. Ocwen is INTENTIONALLY denying modification based on any factor they can fine, even if you pay XXXX over the modification amount. Also, There are ERRORS in our MODIFICATION PAPERWORK. WE WANT OUR MONEY BACK FROM XXXX XXXX XXXX BASED OUT OF CALIFORNIA AND OCWEN, in addition to a XXXX payment monthly.
Joint Account : Yes Joint Account Description : XXXX XXXX, Husband Did you sign a contract? : Yes Amount in dispute : XXXX Transaction Date : XXXX/XXXX/XXXX Attorney Contacted : No Product/Service Advertised : Yes ( Via mail we have no more money to pay for an attorney ) Complaint submitted to another regulator : YES
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| 07/22/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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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.
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| 12/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX.
2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. Mr. XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, Mr. XXXX always continued to make his payment with fail.
3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to Mr. XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for Mr. XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead Mr. XXXX received agreement in mid to late XXXX. Upon receiving Mr. XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with MrXXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems.
4 ) Mr. XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of Mr. XXXX for the delayed return.
5 ) When Mr. XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX.
6 ) The actions of PHH Mortgage are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, PHH Mortgage violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification, while discriminating against Mr. XXXX by not accepting said agreement. This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
7 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by PHH Mortgage and continued to honor his payment commitment. However, a foreclosure sale date was scheduled, and final modification cancelled. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.
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| 08/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Resubmitting this to fix the fair resolutions that should read * We want our property back ...
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today we were shocked to get tones of calls that our property was sold at the auction this morning. Breaking the federal dual tracking law. They also broke Washington State law which will be another complaint. When I called PHH/Ocwen today and talked lenghty to XXXX XXXX while recording her, she just kept spinning and sent me to the trustee sales lawyer at XXXX XXXX and the county sheriff.
When I asked her about my modification application status, she said she has nothing in file so I explained to her that when I called on XX/XX/XXXX, they told me that Ocwen had transferred my file to them PHH and they will review so the sales which was then on XX/XX/XXXX can be postponed We then received a letter dated XX/XX/XXXX that our file wasn't complete and they can't review it which again is within 15 days that Washington State requires for the review. When I called them on XX/XX/XXXX that I filed for bankruptcy which was the only way then to stop the sale, they told me that they had cancelled the sale and will review my application. So we were waiting for the follow up after ressending the whole application. She said she has nothing on file so when I asked her what document was missing per the letter their sent us on XX/XX/XXXX and she wouldn't respond. When I asked her when was the letter for XX/XX/XXXX sale send to us, she had no information to tell me and asked me to call the trustee lawyer, which again we didn't receive anything from.
Talking to the trustee lawyer, he said the house was advertised on XX/XX/XXXX and they didn't have be sure that we received the documents postponing the sale. He then said they sent us a certified mail, which I asked if he has a day which we picked it up, he said he isn't required to know that I received it. Again we never received it. Its pretty clear that their violated Washington State RCW6124031 This is just weird, and this sounds like from a movie and we are going to fight this to our last breath. I talked to the Trustee firm to XXXX XXXX who seemed nice but it's pretty clear to me that their didn't even advertised the XX/XX/XXXX sale which beg the question on their practice stealing people 's house to the benefits of their hidden network. The property supposedly sold at {$1.00} when a similar property sold {$1.00} next door. XXXX seemed very understandable but I wonder what he doesn't know. He tells me that letters were sent to us. Who sent them and how come we never receive them and he also said they aren't required to know that we actually received them. I also spent time discussing our bankruptcy with the Trustee and he said my case was dismissed even though still active. We had some paperwork to provide to the court but they still sold the house.
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| 01/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We were shocked last week to have XX/XX/XXXX mortgage payment returned with letter saying we should contact them to receive the reinstatement amount.
After reading this I called them and they were closed. I then reactivated my online information to try to go see what is happening. Have n't received anything from Ocwen to know there was a problem.
Then could hardly breathe while screenshotting the account activity.
It shows that all payments were received and returned since XX/XX/XXXX, almost a year! This is the first time I received a returned payment. Where are the other 10 returned payments? Why did they get returned? Was insurance even paid? All this time I had no idea, why? We are sending them and where are they now???
The letter has my parents old address, was returned and Ocwen placed in a handwritten envelope. Then resent to my correct address which is the property address. * I used to have important mail sent to my parents address, my dad passed away 4 years ago, mom moved out and requested for mail to go to the property address again.
On XX/XX/XXXX : -The bank said that they were n't cashed. We are able to cancel/reissue.
-The Post Office is looking into this but said highly unlikely that would happen that many times-they must not have really returned them AND the mail would have been returned to sender.
-We checked with the homeowner of my parents old address-he has n't been receiving them.
This is so scary, I feel scared and defeated by them once again.
I 'm lost at how to figure this out.
Nothing to my property address, no phone call-those things have n't changed.
I 'm shocked that there is n't anyone coming to our house to collect?! For a year!
Years back they told me that I needed to pay a huge amount because I fell behind. They inflated the amounts and I had to pay up because they said it was too late to do loan modification. Hindsight, they were probably being dishonest. We made the arrangements and paid to have everything good again. Now this. And during that period there were letters notifying us.
I told my entire family, some started looking online and found your company sued them for exactly the things I have went thru in the past. In addition, massive amounts of homeowners in the same situation with this company. I am just in a state of fear.
I feel like if I called them, they will say another insane amount to steal from us. I 'm shocked that there is even a record of consistently receiving payments and returning them.
I am completely overwhelmed and fear the worst. Since your company has faced them, I 'm hoping to learn what I can do to save our house. How to resolve this. Seems like they hope that people are going to be too scared and they will get their homes. Cant imagine losing our home after 20 years- our dogs are buried here. We are getting the payments canceled and reissued but I just do n't trust these guys-please help.
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| 04/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We have just completed our 4TH attempt at a loan modification. The first 2 times we filled out this paperwork through OCWEN and we were told that unless one of us dies or we completely lose our jobs that we would never qualify for a modification. The 3rd time we did this, we were successful due to hiring a 3rd party agency ( Paying them {$2800.00} ) ; only to be ultimately denied because of a document delivered to us ( on or about XXXX XXXX ) by OCWEN dated XXXX XXXX, 2016 ( see attachments dated XXXX, XXXX and XXXX ) asking for a payment due on XXXX XXXX, 2016 in the amount of XXXX ( which they received but then returned to me ).
After being so completely distraught and speaking with Ocwen Agent # XXXX I have been told that my circumstances are unfortunate but I needed to go through the process all over again. See the contract I signed stated that my first payment was due XXXX XXXX, 2016. This contract was dated XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a statement ( payment coupon ) from OCWEN requesting the payment of XXXX be paid on XXXX XXXX ; this is the amount of XXXX and XXXX trial modification payments combined. I TRUSTED that the documentation I received from OCWEN was truthful - however, I have since learned that it was a LIE and a TRAP to cause us to fail! Ocwen ( Agent # XXXX ) stated that since I had been approved for the modification before that I would ( MOST LIKELY ) be approved once again, this time with a lower payment as well. Why did Ocwen continue to send statements with a FALSE due date? It seems VERY apparent that they were TRYING to make us fail by sending contradicting information 3 MONTHS STRAIGHT!
We were so excited to think that we would be moving forward with the opportunity to have our payment lowered appropriately.
We have begged for OCWEN to PLEASE SEE WHERE THIS IS A MISUNDERSTANDING and ALLOW US TO KEEP OUR HOME! We can fulfill our obligations based on the modification that they have chosen to reject ... .Ocwen seemingly would prefer that our home be left empty No one wants it ... BUT US! WE WANT OUR HOME! We had it listed with an agent until we found out through working with a 3rd party in XXXX that we were going to be approved for the loan modification. In 90 days we showed the house 6 times and each time we were told it was n't worth asking price ( {$260000.00} ), but more like {$190000.00}.
Furthermore, the dates on Ocwen 's Modification Appeal Review Completed documents do NOT match up with the dates on my signed contract for the loan modification ... .once again ; OCWEN is at fault for this incorrect information. OCWEN needs to realize this is a communication error on their part! ... .Agent # XXXX even stated that this was clearly a misleading - sending a statement requesting an amount of money on a particular date and then refusing the funds based on a DIFFERENT piece of correspondence that was also sent out by OCWEN .
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| 02/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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BACKGROUND : We are experiences problems with servicers : OCWEN Financial, PHH, XXXX, Attorney : XXXX XXXX and allegedly deed holder : XXXX attempting to foreclose on our home located at XXXX XXXX XXXX XXXX XXXX GA . I am XXXX XXXX Chairman of the Board of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) and the home owner along with my Wife XXXX XXXX. Our property is XXXX XXXX inside the of the aforementioned trust. In XXXX, we refinanced and then settle this mortgage with XXXX XXXX XXXX. The debt was settled with lawful money but a security deed was created by XXXX XXXX XXXX. XXXX XXXX XXXX went out of business in XXXXXX. Our research indicates that a security deed remained on our property even after XXXX XXXX XXXX went of business.
STATED BELOW IS OUR MAIN ISSUE : On or around XX/XX/XXXX, on behalf of XXXX XXXX, XXXX unlawfully executed an assignment from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX , XXXX., MORTGAGE LOAN TRUST, SERIES XXXX. In our research, as detailed in the Pooling and Serving agreement ( On The SEC website and attached to this complaint ), the cut-off date for this Remic was XX/XX/XXXX with a closing date of XX/XX/XXXX. Adding this alleged loan roughly 9 years latter ( XXXX ) would have made the entire Remic defective ( ultimately collapsing this REMIC ). As the XXXX identifies that moving this loan into this REMIC 9 years latter is impossible and totally unlawful..
During unlawful foreclosure attempts, XXXX XXXX is specifying that they are acting on behalf of XXXX XXXX as attorneys In Fact for said Foreclosure.
Prior to all unlawful attempted foreclosure actions, the XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) executed Revocation of power of attorneys for XXXX XXXX, XXXX, OCWEN, PHH, XXXX and all associated parties. They all received notification of these filings. XXXX XXXX has continued to proceed unlawfully.
In contacting XXXX XXXX, ( employee identifier XXXX ) informed us that the investor ( Secured holder of mortgage ) was XXXX XXXX and NOT XXXX.
While the documentation sent to us by XXXX ( identifying themselves as the servicer ) specifies that XXXX XXXX is the investor/Secured creditor. The information that we've received is all over the place. In Contacting XXXX customer service ( XXXX XXXX ), specifies no loans associated with our names, address or SS #, In Contacting XXXX XXXX ( XXXX at XXXX ) and XXXX XXXX, specifies no loans associated with our names, address or SS #.
In Contacting XXXX XXXX ( Customer service XXXX ) specifies no loans associated with our names, address or SS #.
CONCLUSION : Our original loan # XXXX XXXX/PHH/ OCWEN are attempting to assign us a new account number of XXXX XXXX XXXX , OCWEN FINANCIAL , XXXX , PHH , MERS are all colluding to defraud XXXX XXXX and XXXX XXXX XXXX.
BTW : PHH, XXXX are owned by OCWEN Financial
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| 05/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My loan is with Ocwen loan servicing. I spoke to Ocwen Relationship Manager ID # XXXX ( if that was indeed his ID. They have been known to intentionally leave off numbers in the past on purpose ). My complaint is below. Last week after logging into my online mortgage account I noticed that in XXXX XXXX my loan will increase from {$700.00} per month to {$900.00} per month. I made a request online to have a relationship manager call me to see if we could extend the time frame for me to pay the escrow as I wo n't be able to pay the additional expense. I was leery of reaching out to Ocwen b ecause from my experience the people they call relationship managers are not really relationship managers. They are high pressure, aggressive collection agents that intentionally withhold options from borrowers such as extensions and they in turn engage in threats, intimidation and coercion. I have caught them lying in the past as well . One relationship manager would give me one amount to pay and as soon as I would agree he would put me on hold and then come right back to the phone and give me another higher amount. This went on for 30 minutes until I hung up because I had had enough.
So I reached out to Ocwen to call me. A relationship manager c ontacted me at around XXXX XXXX XXXX XXXX . central time ( which was outside the time frame I had selected for him to contact me ) and he started off with ( this is a collection call ). He then went into an intense high pressured collection script and told me I needed to pay ocwen an additional {$700.00} a month, ON TOP of my mortgage payment to get caught up on {$4000.00} dollars in escrow shortage. I was shocked. I was the one who had requested the meeting with Ocwen and not once did the agent ask me how he could help me. On top of this, he told me I needed to pay an additional {$700.00} dollars per month if he was to work with me when I had contacte d Ocwen because my payment was going u {$200.00} dollars a month. So why did he think if I could n't pay {$200.00} a month I could suddenly pay {$700.00} a month? On the escrow? It did not make sense. This agent was overseas in XXXX and one of my main gripes with Ocwen is that they incentivize these agents to bring in money so quickly that the agents use threats instead of working with the person. The agent refused to tell me about the entirety of the options available to me. They have done this before. They have withheld certain options in an effort to force the person regardless of our financial situation to pay quickly. This man was not trying to assist me at all. When I told him that I would request another meeting with someone who was serious about helping me he said 'ok ' and quickly got off the phone. He was nonchalant about the matter. He never once asked me for the reason for my request to speak to my relations hip manager.
Ocwen is awful.
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| 08/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXXXXXX : your letter of XXXX XXXX, XXXX XXXX, Let 's make things perfectly clear, according to the CFPB, Federal Law and Regulations and RESPA, all cited below, your client Ocwen Loan Servicing LLC, OLS, is NOT and NEVER HAS BEEN Servicer of our mortgage loan. This means the Deed transfer engaged in by OLS and the XXXX XXXX TN Public Records changes by OLS clearly appear to be unlawful.
The short version : In brief, the " Transferor '' sends a RESPA Notice notifying the mortgagee of the sale or transfer of the mortgage or servicing and that notice provides names and addresses, loan balance and account details, contact info etc. about the new servicer and this 'Transferor '' Notice is required to be provided to the mortgagee with no less than fifteen days prior to the new payment info taking effect. The receiver of the mortgage or servicing is required to send a " Transferee '' RESPA Notice usually within thirty days or so. The " Transferee '' RESPA Notice must contain the same RESPA details and info as the " Transferor '' RESPA Notice.
What happened is XXXX XXXX XXXX sent a " Tranferor '' RESPA Notice with a signature date of XX/XX/XXXX that said new payments take place XX/XX/XXXX. This was the first violation of RESPA because XX/XX/XXXX was a XXXX day month and the notice was n't signed til the XXXX, therefore we did not receive our minimum fifteen day notice as required by law.
The new mortgage company or Servicer, " Transferee '' Homeward/Ocwen XXXX KY never sent us a " Tranferee '' RESPA Notice as required by CFPB, Federal Law and RESPA but they accept and process our mortgage payments. This company has not answered any of our written inquiries.
OLS sends a Notice dated XX/XX/XXXX saying that as of XX/XX/XXXX they are the new Servicer because XXXX transferred it to them and we must make our payments to Ocwen in XXXX XXXX IL. OLS refuses to provide us with a copy of their alleged PHE Transfer Notice and the data contained in their so-called Notice letter does not match any of the details in the XXXX " Transferor '' RESPA Notice that we received which is clearly inconsistent with the federal law, federal regulations and RESPA, therefore, case closed OLS letter to be ignored.
XXXX XXXX sends us a Notice dated XX/XX/XXXX claiming they have had our mortgage since XXXX and we are to make our payments to Homeward Residential XXXX in XXXX TX. Since their Notice did n't match any " Transferor '' RESPA Notice we had received, cased closed XXXX XXXX letter to be ignored.
As to your XX/XX/XXXX page XXXX where it appears that you claim mortgage companies can make all the false claims or so-called mistakes and errors they want and there are no penalties or safeguards for this and that those false claims or errors do n't require correction is for someone else to respond to, not us. Perhaps we misunderstood your page XXXX.
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| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages.
My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.
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| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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I, XXXX XXXX, entered a payment forbearance during the Covid pandemic in XX/XX/XXXX through XX/XX/XXXX. Around early XXXX, I applied for a modification with PHH Mortgage, ( my lender ). They approved me for a trial payment plan in XX/XX/XXXX and I successfully made all of my trial payments plus continued making my payments until they finally issued a final modification plan to me in XX/XX/XXXX. I signed and returned the final modification agreement by PHH 's deadline in XX/XX/XXXX, ( despite not receiving the documents by mail from PHH, I had to call and request PHH email them to me ). Within weeks of PHH 's confirmation of receipt of my final fully executed modification, I contacted PHH to see when my online account access would be reinstated. During that call, I found out PHH had to reject the modification because PHH had completed the paperwork incorrectly. PHH needed to redo my modification paperwork and I had to wait for it, all while making monthly trial plan payments. I called PHH repeatedly over the course of XXXX XXXX looking for my redone modification paperwork. Finally in XX/XX/XXXX, a representative informed me the documents had been mailed out to me and had a fast approaching deadline. I had not received the paperwork and again requested they email the documents to me. I promptly had the documents notarized and overnighted to PHH to make their assigned deadline. I called the next day and confirmed receipt of my documents by the deadline and had my proof of mail receipt from the USPS. I called PHH the next week to find out when my online account access would be reinstated and was informed that my modification had been denied because the notary did not complete her section according to PHH rules. Since we were now past PHH 's deadline, my modification was denied and I would have to start all over again. I requested a supervisor call me and set an appointment. Instead of keeping the appointment, a supervisor called on a random day and time and I was unable to answer. I called PHH myself and was able to request an UW to reconsider the denial because it was for no fault of my own and PHH confirmed that no letter or communication had been sent to me to inform me of these issues ever. On XX/XX/XXXX, I received a call from a random representative, ( not my assigned relationship manager because he is unavailable until XX/XX/XXXX!!! ) and was informed my request for reconsideration had been denied as well as my modification. I am outraged! PHH has failed to communicate with me as they should. I know about these issues because I call in regularly. I am unable to meet with my assigned relationship manager and am facing losing my home for no fault of my own. PHH must honor the modification. It is my understanding that the modification is a federal mandate since my loan is Fannie insured. I have jumped through all of their hoops and am at a loss. Please help me.
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| 01/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Phh Mortgage/XXXX XXXX is the mortgage company I am dealing with for an insurance claim with water damage and construction. There is an escrow account because the insurance funds were endorsed to me and the mortgage company.
The initial check of {$57000.00} was sent to the mortgage company and endorsed by myself and my public adjuster ( endorsed as directed by the bank, and in the same way the public adjuster has endorsed thousands of checks, including checks I have been able to deposit to my own accounts for housing loss of use without any problem ). The mortgage company first received the check on XX/XX/XXXX. Construction and demolition started XX/XX/XXXX. After a lengthy argument and multiple phone calls they would not accept the endorsement, sending it back on XX/XX/XXXX, received XX/XX/XXXX. I followed the mortgage co instruction for how they wanted the endorsement corrected and sent it back overnight mail for {$40.00} to be received XX/XX/XXXX. Once again they refused to accept the endorsement. I had the mortgage company and the owner/authorized signer/public adjuster on the phone together and they still refused to accept the check as endorsed giving different instruction for how they wanted it endorsed. Once again I received the check back and overnighted it again, which they indicate was not logged as received until XX/XX/XXXX. In the meantime I received another check for {$7200.00} that I sent in for endorsement by the mortgage company. I requested an inspection anticipating 5-7 days to schedule as outlined by the mortgage company on XX/XX/XXXX since our contractor anticipated 6-8 weeks construction or less. By making phone calls to the mortgage company every day, they finally released {$40000.00} which was received on XX/XX/XXXX.
It took until XX/XX/XXXX and daily phone calls to get an inspection done to get the next funds released. My contractor had to slow work until I could provide more funds. On XX/XX/XXXX the check was mailed and I requested another inspection. Another check for 60 % of the work complete was received on XX/XX/XXXX. Again, there was a delay and it took until XX/XX/XXXX to get an inspection which indicated 90 % of the work was complete, therefore the rest of the funds should be released. As of today XX/XX/XXXX the funds are still being held and are supposedly pending the " inspection results '' which per the inspector were sent the same day as the inspection. They have approved an " emergency fund release '' of half of the balance to be sent today, but the remaining $ XXXX is still not released. The construction is wrapping up this week and PHH. Mortgage/XXXX XXXX are holding the funds hostage. These ongoing delays and inappropriate handling of funds is not acceptable, yet there is very little recourse that I seem to have to do anything about it.
DO NOT work with PHH/XXXX XXXX if you want a fair and effective mortgage company.
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| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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We took a second mortgage out in XXXX. The agreement was for 240 payments of {$310.00}. The disclosure statement said that would cover the {$30000.00} principal and {$46.00}, XXXX worth of interest for a total of {$76000.00}. Interest rate was 11.521 % which I hear is outrageous but we were dumb at the time I guess. I'll admit it was a bad decision. We have paid every payment to date though.
We are nearing the last payment which is XX/XX/XXXX and I asked for a payoff. I was told we would owe over {$9000.00} if it was paid off by our XXXX payment date. No one can explain to me why we would still owe this much when we have made all the payments. In XXXX we were forced to declare bankruptcy when my husband was XXXX and we had huge medical bills. The loan was not reaffirmed but per our lawyers suggestion we continued to make payments on it. At that time we were behind a few payments but we made an agreement to make up those payments and we did it. Since then we were rarely even late, and in the last 8 years have never been late. When we were late we always paid the late fee and we have always paid any other ridiculous fees they tacked on for things like them selling the mortgage to another company or sending us documents..
I requested loan histories from Ocwen, this company and another previous holder of the mortgage, Litton, and I can prove that we made the payments. A lawyer is looking over those now, but has generally agreed with me that when we make these final 6 payments we will have completed the loan terms.
The mortgage has been sold a few times. The current holder is a company called PHH or XXXX, whichever they choose to use as a name on a document. It's a subsidiary of Ocwen, which was the previous servicer. In the last 2 years they continually claimed we were late on payments, even though we always made our payments 10-14 days early online. We had to call each month to get the late charges removed. When the payments were declared late that changed how the payment was allocated between interest and principal, making us pay more interest. I finally made someone understand that after I made an online complaint and they claim they fixed this going back to when they got the mortgage. But no one can still explain why that would leave such a huge amount at the end of the loan.
I offered to give them the last 6 payments we owe for a release of the lien but they insist our last payment needs to be some {$7.00}, XXXX more than what the sum of those payments would be. We are senior citizens and I can not just give them extra money we don't owe to get the lien cleared. We will continue to make payments while this is being resolved. But I would like them to release the lien as soon as all the scheduled regular payments have been made without that huge unexplained amount on the end. I have consulted with a lawyer as I said and he suggested I file this complaint.
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| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Starting around XX/XX/XXXX I entered into a loan modification with Ocwen Mortgage. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, Ocwen continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. Ocwen accepted a nominal loan amount from HUD for the amount Ocwen indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with Ocwen for over 2 years to correct the reporting to my credit. Ocwen informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that Ocwen reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to Ocwen around XX/XX/XXXX. I indicated that since Ocwen can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then Ocwen must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from Ocwen 's Loan Servicing Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called Ocwen 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at the end of XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from Ocwen , still in the loan modification trial period.
I have additional documentation if needed.
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| 12/01/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Due to a loss of income last year ( $ XXXX/mo. ) I applied for a loan modification through our lender, Ocwen Loan Servicing XX/XX/XXXX. We were approved for a modification and made our first trial plan payment XX/XX/XXXX. We successfully made our 3 trial plan payments and continued to make payments to the mortgage company after the trial ended. We started calling them XX/XX/XXXX as we had not received our completed modification papers to make the modification permanent. We spoke to our relationship manager three to four times a month requesting our paperwork. We were always told that the paperwork was with the underwriter and we should have it " soon ''. We finally received our paperwork XX/XX/XXXX. We had the papers notarized on XX/XX/XXXX at the bank where I included a cashier 's check for the monthly payment as Ocwen had requested and mailed the papers that day. When I called in XX/XX/XXXX to make my house payment I was told that my loan modification was denied because they did n't receive the paperwork within the allotted time frame of 30 days. When the customer service representative looked into it further we were told that they had in fact received our paperwork on XX/XX/XXXX and that the modification was denied on XXXX XXXX. When we asked why they told us it was because the lender had that right. We called numerous time after that and we were told that it was being sent to a supervisor and that they would fix it. I tried to make a house payment in XX/XX/XXXX and they once again would not accept my payment due to the denial. On XX/XX/XXXX I received notification that my loan had been referred to a law firm for foreclosure. We never received anything from Ocwen stating that we were in foreclosure. When I spoke to yet a different customer service representative I was told to just fill out another request for modification. I did that and submitted a complete application XX/XX/XXXX which was later denied because we had submitted a XXXX application within a years ' time. In XX/XX/XXXX I was told by another representative to send an email to the escalations department asking them to look at the original denial. On XX/XX/XXXX we received notice that the denial was overturned and that they were approving our modification. I was able to talk to our relationship manager on XX/XX/XXXX who told me that he had to ask the research department to confirm that we had made all of our payments. About a week later we received documents in the mail showing payment history starting XX/XX/XXXX but none of the payments from XX/XX/XXXX. Ocwen is now telling us that we are in default again due to no payments being accepted by them since XX/XX/XXXX. As of this week our relationship manager is still unable to give us any information as to how we are to proceed from here. I would greatly appreciate any suggestions that you can offer at this point. We want to keep our house. Thank you.
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| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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Complaint again st Ocwen Financial Corporation Date XXXX / XXXX / XXXX It is with some urgency that I write to you about Ocwen Financial Corporation. Apparently, they hold a Deed of Trust against my property at XXXX XXXX XXXX XXXX , XXXX Ca XXXX and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny. On XXXX / XXXX / XXXX my wife and I signed documents for a mortgage with a company called XXXX XXXX XXXX but then was offered a better mortgage package at a much better interest rate with XXXX XXXX XXXX a day later. I then rescinded the mortgage with XXXX XXXX XXXX within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause. XXXX XXXX XXXX went out of business later that year. Ocwen Financial inhe rited some of XXXX XXXX XXXX book of business and the lien was transferred from XXXX XXXX XXXX to Ocwen Financial. I have never had any business with Ocwen Financial, they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with XXXX XXXX XXXX was sold to XXXX XXXX who is our current lender and holder of our legitimate lien. My wife and I are currently refinancing our mortgage with XXXX and when they did a title search six weeks ago, XXXX found this second lien. There have been repeated attempts over these last six weeks by XXXX XXXX of XXXX XXXX ( XXXX ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally. XXXX ( # XXXX ) assured me that they would respond within 24-48 hours, which was the same response XXXX XXXX received. I have no confidence that I will be treated any differently. My wife and I are supposed to sign final documents for our refinance on XXXX XXXX , XXXX to secure an affordable monthly payment. The lien held by Ocwen is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed. Resolution. We ne ed Ocwen Financial to remove this lien within the next five days for us to close the refinance with XXXX Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with XXXX by XXXX XXXX , XXXX . Ocwen Financial Lien Release Department had 6 w eeks to resolve this issue and have completely ignored our repeated request to do so.
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| 04/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am complaining about OCWEN loan serving. My loan was sold to OCWEN in XXXX XXXX. My first payment was sent to them on time. Two months after they send me a notice stating the previous lender claimed I had not made the last XXXX payments. I sent copies of cancelled checks, and bank statements to prove I had paid them. They send me a letter stating they were satisfied. Two months later they start all over. I sent them again. Then they came back claiming I owed money from a bankruptcy chapter XXXX. I had the trustee from Texas send them information stating I had satisfied all paid money due to previous mortgage company, and nothing was owed. I was then sent in XXXX XXXX a foreclosure notice with a date to sell off my home in court the following month. I haired an attorney to stop the motion, and he immediately sent a no trespassing order, and tried for months to communicate with OCWEN. I even set up bi-weekly phone calls with OCWEN to try and resolve the matter. Then suddenly they state I owe XXXX from my XXXX mortgage, because they were posting payments to my second mortgage for 8 months. They reversed it back the my XXXX mortgage, but also took escrow to pay insurance and taxes first even though I had been paying entire note with escrow fees for both XXXX and XXXX mortgages. The attorney removed himself from the case and gave my money back. OCWEN offered loan modification but I did not qualify, and they would not refinance my loan. I still fought with them. In XXXX XXXX they started refusing payments from my XXXX mortgage and was threatening foreclosure again. They told me if I paid the XXXX I owed they would stop it. I hired a real estate attorney, and he stopped proceedings. The XXXX court hearing that was set up and they were certified notification they did not show up and it was rescheduled and then cancelled again. I have spent XXXX in legal fees and nothing is being accomplished. Before all of this started I was in the process of refinancing my home, I was paying around 22 percent interest, and was going to get a 4.5 % rate, but because OCWEN claimed I was behind 3 months I could n't get it refinanced. I am trying to sell the home, and they agreed to let me, but now they want me to start paying some bogus amount till I do. I filed for chapter XXXX to keep my home after Hurricane XXXX, to provide a roof over my college age daughter expecting a child, and myself. I paid everything back that was required from me. I bought the home in XXXX for XXXX, and now owe XXXX. In reality I should owe around XXXX on the home. This has been nothing but stress, and nothing is being resolved. My advice to anyone is if your mortgage is sold to be serviced by OCWEN you better get away from them. I have paid XXXX for a house I am being faced with losing. These people get away with this. Not only that they will not post payments for days after they receive them when paid in
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| 10/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.
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| 09/09/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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I have been reaching out to Ocwen/PHH mortgage company since XX/XX/XXXX for a lien release on the property located at XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage on this property was settled in XXXX through a loan modification and a cancellation of debt issued by Ocwen through the provision of a 1099, which is attached. I contacted the company and was assured that the mortgage was settled with them and that I didn't owe them any more money. I have had absolutely no communications from Ocwen since XXXX concerning this mortgage since the provision of the 1099.
I began to attempt to sell this property in XXXX. I found a prospective buyer and entered into a sales contract with a settlement date of XX/XX/XXXX. On XX/XX/XXXX, the title company contacted me to notify me that Ocwen still had a lien on the property, that I needed to provide proof that the lien was satisfied through obtaining and providing a lien release. I proceeded to contact Ocwen that same day, which is now affiliated with PHH Mortgage Company, to obtain a lien release. One of their escalation managers, XXXX XXXX, assured me that he would be getting back to me within 3-5 business days. He never got back to me. I then contacted another escalation manager, whose last name was XXXX. He sent my Ocwen account number to the Lien Release department along with the 1099 showing the cancellation of the debt. I received an email indicating that this information had been provided to the Lien Release Department. My realtor than asked for and received an extension on the settlement date to XX/XX/XXXX to provide more time to receive the lien release and to preserve the sales contract.
Around XX/XX/XXXX, the title company representative, Ms. XXXX XXXX, and I then began to reach out to the Lien Release department on a daily basis asking when we would receive the lien release, informing them all the while that we needed it as soon as possible to proceed with the sale of the property. Ms. XXXX even informed the Lien Release department that XXXX XXXX, the title company that she worked for, would file the lien release. After another week of sending emails to check on the status of the XXXX release around XX/XX/XXXX, another Ocwen/PHH escalation manager, last name XXXX, told Ms. XXXX that the lien release could not be issued for another 30-45 days without providing any other reason than that it would take that long for the Lien Release Department to process it .
As of this date, I still don't have the lien release on a mortgage account that should have been closed out in XXXX with the cancellation of debt. Ms. XXXX informed me that the mortgage company is legally required to issue the lien release within 45 days of closeout of the mortgage account. I will lose the deal to sell my house because of Ocwen's/PHH 's failure to issue a duly-owed lien release on the property in even a remotely timely fashion.
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| 03/14/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I currently have a mortgage with Ocwen Financial, back in XXXX I requested a modification, I received the packet sent filled everything in and sent it back to them, they said they received everything by XXXX XXXX, after being told they had a complete packet, weeks later I received a request for additional information, this happened over and over again, each time I would send in the information I would call to be sure they had everything, and each time a week or 10 days later I would get an additional request via snail mail, I would promptly send in whatever was requested, the final hold up was they wanted my sisters financial info even though none of them are on the loan or have anything to do with the loan, however they do live with me. During this process I was told since I had my original packet in before XX/XX/2017, received complete on XX/XX/2017, that I had 90 days from that date to get in any other requested information, I was also told not to get behind on my payments otherwise I would not be considered for a modification. Yet I recently received a letter from Ocwen saying they will not review my request for a modification since I was not behind on my payments and they did not have everything they had requested before XXXX XXXX. I sent in everything they asked for usually the same night, just to make sure they would have it, I sent it email, fax and overnight mail, because some times they would say things were illegible, even though I would send them to multiple devices and not once had a problem. I started this process after learning about the 2.2 billion dollar settlement Ocwen made with the bureau to correct some of the wrongs they were responsible for in this country 's meltdown. I want to keep my house and keep making payments, but being a carpenter I was greatly affected by downturn starting in 2008 caused in large part by companies like Ocwen. I do n't want anything I 'm not entitled to, but I would like fairness and truthfulness especially from my mortgage company, especially when that company has an obligation to fulfill to the tune of 2.2 Billion dollars, for fraudulent practices. I did not choose Ocwen, I had started with another scheming mortgagor Indy Mac, but now that I 'm with Ocwen I am doing all I can to keep up my end of the bargain paying my mortgage each month and I wish they would do the same, I followed the rules to the best of my abilities to get my paperwork in on time, while they did everything in their power to slow it down, it 's disgraceful when such a large company is allowed to treat their customers this way. I just wanted to be considered for a government backed program to help us thru this tough time, and they wo n't even look at my case, why did they keep requesting items if the deal was off XXXX XXXX. What good is a settlement of 2.2 Billion dollars if no one makes sure they follow thru and help their clients.
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| 12/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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On XXXX/XXXX/2016, I applied for a HARP refinance loan with Homeward Residential ( Homeward ). I was told I would not need an appraisal for my refinance. I received my initial and ONLY Loan Estimate ( LE ) from Homeward on XXXX/XXXX/2016. A copy is attached. The LE does not include an estimated charge for an appraisal. It does include a general lender credit of {$180.00}. This lender credit reduces the cost of the loan and as such is a closing cost subject to zero tolerance under 12 CFR 1026.19 ( e ) ( 3 ).
On XXXX XXXX, 2016, I received an e-mail ( copy attached ) from the loan officer indicating that an appraisal was required. I was asked to verify that payment information previously provided was accurate and could be used to process payment for the appraisal. The loan officer indicated that I would receive a lender 's credit for the appraisal amount at closing. I was charged {$440.00} for the appraisal, which was paid.
I was given no opportunity to shop for an appraisal service. I was told this service was required by the lender. Under 12 CFR 1026.19 ( e ) ( 3 ), this makes the appraisal cost an item subject to zero tolerance.
I never received a revised Loan Estimate detailing the change in the costs of my loan, as required by 12 CFR 1026.19 ( e ) ( 3 ) ( iv ). After the third business day following the date that Homeward was aware of the change ( XXXX XXXX, 2016 ), Homeward should have lost the ability to charge me for the increase in cost represented by the cost of the appraisal. Homeward should be required to rebate this cost under 12 CFR 1026.19 ( f ) ( 2 ) ( v ).
On XXXX XXXX, 2016, I received an initial Closing Disclosure ( CD ). A copy is attached. The initial CD included a charge for the appraisal of {$440.00}, shown as paid prior to closing. This CD included a lender credit of {$620.00}. Presumably, this amount was the original general lender credit disclosed on the Loan Estimate of {$180.00} plus the amount of the appraisal ( {$440.00} ).
The loan was closed on XXXX XXXX, 2016. We received a copy of the final Closing Disclosure, which is attached. The CD did not include a rebate for the zero tolerance error related to the appraisal as required under 12 CFR 1026.38 ( h ). I received no lender credit of {$620.00}, as disclosed on the original Closing Disclosure.
I contacted Homeward Residential on XXXX XXXX, 2016 to discuss this situation. I was told that I was not entitled to a rebate of the appraisal fee or any other costs associated with this loan. At that point, O notified Homeward of my intention to file a complaint with the Consumer Financial Protection Bureau.
Under Regulation Z, I am entitled to a rebate of {$620.00} for the increased zero tolerance costs on my loan with no proper disclosure under the requirements of 12 CFR 1026.19 ( e ) ( 3 ) and 1026.19 ( f ) ( 2 ) ( v ). However, Homeward is refusing to rebate these funds.
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| 12/01/2016 |
Yes |
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- Settlement process and costs
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Web |
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XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.
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| 10/15/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( " Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement for XX/XX/XXXX was provided and is sufficient enough.
Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX.
Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Litton for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector XXXX and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation.
Additionally, Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
|
| 10/15/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( " Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement for XX/XX/XXXX was provided and is sufficient enough.
Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX.
Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector XXXX and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation.
Additionally, Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
|
| 06/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
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I 've owned my home since XXXX. In XXXX I refinanced my mortgage with XXXX with a loan for {$500000.00}. This was an interest only loan with a fixed interest rate. It went along fine until OCWEN took over servicing in XXXX XXXX. I had been paying my monthly mortgage of {$3200.00} since the beginning of XXXX. The interest due on my loan was {$2800.00} per month. That left XXXX for my escrow. It turns out that I was underpaying my escrow by about XXXX but I did not know this at the time. As I said I had paid that every month during XXXX and there was never any complaint from Litton. But the very first month after OCWEN took over there was a problem. This was XXXX XXXX payment which I made on XXXX XXXX, XXXX. Rather than pay the interest due and put the remainder into escrow ( which is what the deed of trust says to do - first pay interest then pay escrow ) they paid the escrow first. They took out {$410.00} out of my payment to pay the escrow and then they paid the remainder toward the interest XXXX {$2800.00} ). However, that meant I had not fully paid the interest due on the loan. OCWEN realized that they were not paid the full amount of interest and on XXXX XXXX, XXXX they sought to fix the error. What they did was illegal and had caused nothing but problems ever since. OCWEN lent me {$38.00} without my permission and without authority in the loan documents. Initially I borrowed {$500000.00}. Effective XXXX/XXXX/XXXX my principal loan balance was {$500000.00}! Oddly the amount that was off was actually {$39.00} was what I was short so I have no idea why they did {$38.00}. After that it just got worse. Every month when I made my {$3200.00} monthly payment OCWEN would put it into suspense and not apply it. I understand that I was paying about {$39.00} too little but I did not know that and Litton had allowed it the entire year. Also please note that I always got money back annually from my escrow. This holding my payments in escrow went on for month after month generating fees after fees until a bank rep reached my wife and told her we were behind XXXX payments so she immediately sent in the money that was asked for. What happened with that is that OCWEN took the short fall out of that payment and paid the rest towards principal so that the following month I was back to being put in suspense. By XXXX I had figured out I needed to send in more for the escrow and from that time till now I have been paying the exact correct amount. Yet they still charge me late charges and other fees every month. I hired a lawyer who reviewed the payment history and explained to me how it is that I make every single payment on time and yet I am going into foreclosure. Can you help me? I am willing to pay them all the money they want but I do n't want to pay all the fees. This started by them making a mistake! Can you help me? Can you call my lawyer? XXXX XXXX XXXX XXXX
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| 12/22/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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I want to submit a complaint against Ocwen Loan Services. I put my house up for a short sale for the second time a year ago and Ocwen has been giving me the run-around again ... I had a buyer for the house in XX/XX/XXXX and it took Ocwen 4 months to review it. I spoke with a Relationship XXXX ( they changed constantly ) for XXXX years ( see about the status of the account and where things were ... I was told my account was still being reviewed then I was served with a sale date in XX/XX/XXXX the day after I spoke to my Relationship XXXX and there was no mention that Ocwen was going to sale my house ... .I was forced to file Bankruptcy immediately with no real job ... .I was doing temp work at the time and a loan from a friend of {$1600.00} to pay for a lawyer to stop the sale.
After that the bank said they had finally reviewed the documents, they wanted more money for the house to meet XXXX ... The buyer agreed ... When all of the paperwork was completed for me to sign, there was no relocation fee money on the table for me. I asked what happened to that and was told a number of things from the XXXX fee and the relocation money could not both go on the XXXX form together to because I was delinquent with the XXXX, the bank could not pay the relocation money ... none of this was in writing to me ... .after many phone calls I was told that the house needed to be sold for more money in order for the bank to accommodate me ... I asked for all of this to be put in writing because none of this had been shared with me in any of the written communications. A few weeks later I received a form letter stating I was ineligible for the Relocation money but no explanation was given ... We raised the price of the house to the amount I was told by XXXX of the customer service reps and then I received a letter from an attorney saying the bank was foreclosing on me ... .I called Ocwen to get a status on my account this week. Ocwen said the file had been closed. I asked if the new offer had been received. He said it takes a couple days for the systems to be updated. I said the new offer had been submitted. He said check back in a couple days. He then set up an appointment for me with my Relationship XXXX for XX/XX/XXXX I said my last appointment was missed by the RM. He asked if I needed anything else. I said I had received a foreclosure letter from an attorney. He said " Oh yeah, there is a sale date. '' Had I not said anything, the rep never would have mentioned it. This is a pattern ... We spent a year trying to get this done and the bank is moving ahead to sale the property at auction when we have a buyer that has been approved by them. Is it that they do not want to honor my request for the relocation fee? I do n't know. I need help ... not only for me but for the buyer who has put her life on hold for a year and the bank has not respond honorably. Please help!
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| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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After I become sick and put on long term XXXX due to XXXX, I had to apply for a mortgage loan modification with Ocwen. I started the loan modification with in XX/XX/XXXX. I did my XXXX months trial period. At the end of XXXX I called to see what to do next because I had not heard from them concerning if I was approved for Permanent Modification. I was told to continue to make payments which I did. I paid my XXXX payment on XX/XX/XXXX. I received my payment confirmation from Ocwen. I have been back and forth with The Office of the Consumer Ombudsman for Ocwen. I was told in XX/XX/XXXX by XXXX XXXX that there was still a PAYMENT ISSUE FOR THE MONTH OF XXXX which was during the time when Ocwen were switching over from the GMAC system to their new system and that my XXXX payment was not applied correctly to my account making it seem as though I am a payment behind. I keep receiving letters telling me that the issue will be resolved, XXXX it was by XXXX, then XXXX, then XXXX, they XXXX. Got several letters in XXXX saying the same thing. No one seems to be able to resolve this PAYMENT ISSUE and I can not figure out why. On XX/XX/XXXX, I talked with the The Office of the Consumer Ombudsman for Ocwen XXXX XXXX XXXX XXXX again. She said she had been working on the issue and have not been able to GET THEM resolve it. She asked me if I could send her proof of payment. I sent her an email on XXXX XXXX, showing her proof of payment from XX/XX/XXXX thru XX/XX/XXXX. I have not heard anything back from her. I have called her and left a voice message several times asking her to please return my calls so I can see what was going on. I was assigned different relationship managers to help me on my account also but they are not able to help. I have been getting the run around since XXXX. ALL I AM TOLD IS THEY ARE STILL WORKING TO RESOLVE THE PAYMENT ISSUE. My account is still saying past due and I am current. I have made my payments on time since the modification started in XX/XX/XXXX. Today, XX/XX/XXXX I called the Consumer Ombudsman office again and talked with a XXXX XXXX and she said it was not resolved and that she was going to look into it further herself. This is crazy! Ocwen continues to send me a late notices and letters on foreclosure. The representatives tells me to ignore them. This has been very unprofessional on Ocwen 's behave. I do not know what else to do. This is very stressful and unfair to me. It will soon be a year since I started this Modification. They told me that I was approved of the permanent modification only by word of mouth but not my an official letter. My statements are showing that I am under a Forebearance Plan until the issue is resolved. My account online shows that the loan was modified but I was told that until the issue was resolved I will not receive a written statement that I was officially approved for Permanent Modification.
|
| 06/30/2021 |
Yes |
|
- Trouble during payment process
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Web |
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My FHA Case number is XXXX Property XXXX XXXX XXXX, XXXX, NJ XXXX I have several issues that need to be addressed separately and under Section 6 of Respa which states each item must be addressed separately and within 20 days. It has been more than 20 days and over 60 days without PHH answering 1. My home was sold without going on the market for the required 15 days which is in violation of HUD. PHH sold a home worth {$250000.00} for only {$91000.00} and the sale was not a non arms lengths transaction. XXXX did not own the loan or have an interest in the loan so we are requesting documentation that XXXX XXXX gave PHH permission to sell the home, to process the foreclosure in their name and proof that they forwarded the proceeds from the sale to XXXX XXXX. FHA rules state -- - '' An independent third-party provider to market or conduct the foreclosure sale or Post-Foreclosure Sales Efforts, provided the Property was marketed for a minimum of 15 Days before each scheduled sale. '' An Independent Third-Party Provider is a party that conducts the foreclosure sale or additional Post-Foreclosure Sales Efforts, including marketing efforts in support of such sales under Claims Without Conveyance of Title ( CWCOT ) procedures, and who is not one of the following : an Affiliate or subsidiary of the Mortgagee ; any Entity over which the Mortgagee has significant influence ; or any Entity with which the Mortgagee has a conflict of interest in fact or appearance.
An independent third-party provider to market the Property prior to any foreclosure or Post-Foreclosure Sale Efforts or to conduct such sales to ensure maximum competition for both the foreclosure sale and Post-Foreclosure Sales.
With this property selling for 40 percent of Market Value maximum competition was not performed.
2. We need an understanding, how did PHH/Ocwen create an assignment and assign the loan to XXXX XXXX in XXXX when the Trust, XXXX XXXX XXXX XXXX XXXXXXXX closed in XXXX and could not accept any new loans after the trust was closed. Also the loan was in default and the trust would have been in violation of REMIC law which would have voided the trust. Please should proof other than the fraudulent assignment that this loan was transferred to XXXXXXXX XXXX. Who authorized this fraudulent assignment and who authenticated this assignment. Without the assignment being authenticated PHH was not allowed to foreclose. Please verify who and How the assignment was authenticated.
3. Prior to foreclosing the PHH had to have a in Person interview prior to foreclosing. please provide proof of the in person interview as this did not occur.
4. PHH was must serve the Borrower, which is my serve that they corrected all deficiencies with title prior to foreclosing, please provide proof of service that the letter was sent 5. Please provide proof of service that PHH served me prior to foreclosure
|
| 08/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
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Web |
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Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.
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| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I called the customer service number in XX/XX/XXXX and XX/XX/XXXX constantly and the message was, theres no customer service representative available at this time. I was blocked from access online to view my account which has never happened before, even during a modification period. I found a telephone number on the federal government Webb site which listed mortgage companies that have class action law suits filed against them under the topic, if you are having problems with your mortgage. This is the only way initially I could get in touch with someone their at PHH mortgage in reference to my modification status.
I have received my modification agreement in the mail after informing a relationship manager via phone conversation that I hadnt received a final offer upon making my 3 trial payments as contract conditioned. I was emailed a copy the day of our phone conversation but was told I would have to return the mailed copy which has limited my time to read the contract and respond by XX/XX/XXXX considering it arrived 3 days after this phone conversation. I contacted PHH Mortgage company on XX/XX/XXXX and spoke with operator # UCRF9, ( SWATI ) to question the balloon payment in the modification agreement of {$52.00}, XXXX that would be owed at the end of the loan even if I made every payment of {$410.00} for the life of the loan until XXXX. I explained to her that his was incorrect and we could owe this much money. She recommended I submit a written request to have the matter investigated. She stated it had to be faxed to XXXX.
When I purchased this house in XXXX, XXXX it was for the price of {$99.00}. This was done with an XX/XX/XXXX mortgage of {$79.00}, XXXX and {$20.00}, XXXX. I filed my first bankruptcy case in XXXX. My husband and I have paid on this case since that time. When this company attempted to foreclose in XXXX of XXXX, I was sent a notice from PHH mortgage stating that we owed for some missed payments. ( {$410.00} times 4 payments ) I sent a payment in XXXX and had receipts for other payments. In the midst of trying to prove payments were sent I filed a modification which brings us here today. We were in our last months of payment with Chapter XXXX and our case is now paid in full. We do not owe PHH Mortgage {$52.00}, XXXX. The second mortgage of {$20.00}, XXXX was stripped in our chapter XXXX case when upon several attempts to meet with the debtors from XXXX XXXX XXXX never showed for court nor a representative. The bankruptcy judge stipulated it be null and void as of the completion of our chapter XXXX case. To sign this modification agreement would be admitting to pay something that we already have paid in chapter XXXX from XXXX to XXXX and agreeing to a debt thats more than fair and owed. Considering we have had an active Chapter XXXX Case since XXXX and making payments on past due amounts, how can we owe this amount?
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| 04/25/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I want to express my frustration with working with OCWEN on a Loan Modification to save my house on due to my hardship situation. Not only have they made the situation difficult for me, I feel like they have not cooperated in helping assisting me in keeping my house, the house that I have work so hard to keep. It all started in XXXX of XXXX with a simple request of a Loan Modification. I was facing a small Hardship that caused me to fall behind on my payments for the house. My household income was decrease for a bit due to the fact that the commission I was receiving was shorter that what it previously used to be at. I could not pay the month of XXXX on time and next thing I knew I felt behind on my mortgage. I did not mean to fall behind on my payments, I am very responsible woman, and try my best to satisfy the obligations of my monthly bills. I requested a Loan Modification back in XXXX and was Denied on XXXX of XXXX just with the simple fact that the investor did not want to participate in the Loan Modification. They kept sending me letters to help me out with a Loan Modification to save my house, they kept sending letters that the file will be reviewed for a Loan Modification. I send my loan modification package to be reviewed by them, they open a template, have the file be reviewed by the underwriter, and then deny my file for a loan modification because the investor does not want to participate on the Loan Modification. I don't understand why would they not want to participate in the Loan modification. I want to do right by them and get an approval and start making payments on the Loan I have under my name. Then they managed to scared me even more by sending me a letter that a Foreclosure proceedings was going to be initiated due to the fact Im not paying the mortgage, its not my fault im not paying the mortgage, its your fault, because once I saw I was in a hardship, I requested help, you started to help me, and then turn around and said no. Its not fair for me as a consumer. I want to save my house, I have the money to pay my monthly payment. They send over another letter that they can help me, and next thing you know, I provided the documentation to have the file be reviewed for a loan modification, they open a template, have the file be review, and then I get a denial for the same reason. I don't think this is fair for me.I need the help, you start to offer it and next thing you know deny my help. I want to do what is right for both us as a consumer and you as a bank. I know I qualify for a loan modification, I know I can save my house, I know I can eliminate the foreclosure, but I need your help, its just not fair for me that I work so hard with you, comply with everything that you needed, and next thing you know, you just want to deny my case and proceed with a Foreclosure to try to take over my house. Its just not fair at all.
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| 03/25/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I am having extreme difficulty with OCWEN Loan Servicing. They have continually given me false information or no information. This whole scenario started with an award from XXXX XXXX XXXX XXXX An amount of XXXX was sent to OCWEN in XX/XX/XXXX and they applied all but XXXX months payment to the principal in XX/XX/XXXX. Then in XXXX they sent it back to the XXXX and put my account in arrears, default and obliterated my credit report. After spending most of the rest of XXXX on the phone with them they finally got the funds back from the State, applied the whole amount this time toward the principal, corrected my credit reports, and removed the default fee. When I looked at my account it was correct as of the XXXX statement. However, now they seem to be playing around with the funds again as some XXXX is unaccounted for in the principal and the payments have gone up from what I thought we had agreed upon as of a conversation with their escalation manager XXXX on XX/XX/XXXX. To make matters worse they have created no less than XXXX different 1098 forms, each with a different amount of interest paid in XXXX. The first one shows an interest amount paid of XXXX. The second one shows an interest amount paid of XXXX. The third one shows an interest amount paid of XXXX, which is the closest to the reality. ( See actual payments below ). The fourth one shows an interest amount paid of XXXX. I have been trying to talk to someone in escalation to get some answers but am having no luck. Every time I get a rep they either dont know or tell me they will let escalation know. Im worried that they are manipulating funds to benefit themselves and I dont even know what all they can get away with here. Im even concerned about what the 1098s are telling the IRS. And finally, they have made so many entries on the payment history it looks like a Byzantine nightmare. Please help.
Actual Payments for XXXX from bank records : XXXX XXXX XXXX XXXX XXXX XXXX Apr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : XXXX was originally paid out of the XXXX funds when received the first time. XXXX, XXXX, & XXXX payments were increased by me to start reducing principal. Ocwen later used they funds to apply to interest when XXXX funds were received from the State the XXXX time. So XXXX interest only was XXXX and I added XXXX meant to reduce principal. XXXX was XXXX and I added XXXX. And XXXX was XXXX and I added XXXX. As confusing as this is I think what I state below is what should be and matches the XXXX statement and what was also on the payment page on XX/XX/XXXX when I talked to XXXX from escalation. XXXX days later they began playing with the amounts again. Now the payment page is off by some XXXX with regard to principal balance and payment is has been kicked up to XXXX when it should be XXXX as per the XXXX statement page.
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| 04/21/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On XXXX XXXX , we made our scheduled payment Ocwen in the amount of {$1600.00}. On XXXX XXXX we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with Ocwen and explained the situation. We were told that we would need to file a complaint to the Research Departm ent. On XXXX XXXX , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On XXXX XXXX we received another call from Ocwen and s aid we needed to make the XXXX XXXX payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On XXXX XXXX , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to Ocwen in late XXXX or early XXXX as Ocwen had stated. They said they would do a 3-w ay call with Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late. Ocwen wo uld not discuss anything with the bank ( XXXX XXXX with XXXX ). During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On XXXX XXXX we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on XXXX to Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on XXXX XXXX was successfully processed but the two most recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.
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| 10/15/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( " Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement for XX/XX/XXXX was provided and is sufficient enough.
Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX.
Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Litton for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector DM and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation.
Additionally, Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
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| 04/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX XXXX PHH took over servicing of this loan. I had prepaid the PMI to the previous lender therefore there should have been no PMI charged to this loan when PHH took over. In XXXX XXXX I received an annual notification of PMI on the account. I do not have a copy currently, but I did call the servicer to remind them there should be no PMI on this loan. They confirmed it was just a notification. I received the same PMI notice in XXXX of XXXX and called again to ask why do I keep getting this notification if there is no PMI on this loan. They told me that the PMI was not in place and to ignore the letter again. I asked for documentation to be provided to me in writing that there was in fact no PMI on my loan. I received a letter dated XX/XX/XXXX that stated PMI was active on the account however it was terminated on XX/XX/XXXX ( see attachment letter dated XX/XX/XXXX ). I received another letter dated XX/XX/XXXX congratulating me on the cancellation of PMI and other terms about potentially having to repay any final PMI payments. See attachment letter dated XX/XX/XXXX. In XXXX of XXXX, I received a check in the amount of {$480.00}. I had no idea what it was from. I looked at my account online and it simply was listed as misapplied funds, misapplication reversal dated XX/XX/XXXX. See attachment C. I called PHH asking what the check was for. They said it was in regards to the cancellation of PMI. I said are you sure? I can cash this? They said yes go ahead. I then cashed the check and spent it and no longer have those funds available. You can pull their recordings of these calls over the years I hope if need be. This then led me to question how much in fact PMI had been held in escrow on my account as I had no idea how the figure of {$480.00} came to be. That was the the other part of my inquiry, how that amount came to be. I then submitted an inquiry asking for a total amount of any PMI paid on this loan as well as an explanation in writing of the {$480.00} check noted as misapplication. I received a letter dated XX/XX/XXXX then telling me I was in fact required to have PMI, to ignore the two other letters I received, and that the {$480.00} check was in error and that I had to repay it back to my escrow account. I then noticed on XX/XX/XXXX they charged {$480.00} back to my account listed as mortgage insurance disbursement ( see bottom of attachment C ). I immediately called back PHH on XX/XX/XXXX upon receipt of the letter as I was now utterly confused and the letter dated XX/XX/XXXX did not resolve all of my previous inquiries. I had to escalate the issue. See attached letter dated XX/XX/XXXX. This letter also then indicated PMI would be reactivated on this loan, adding additional confusion. I am also including a copy of the inquiry I submitted to the first servicer when I completed the refinance and paid the upfront PMI premium.
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| 12/08/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Note : This is not a duplicate complaint.
Case number ( s ) : XXXX XXXX The company answered the CFPB requests regarding the RESPA violations/failures and the alleged foreclosure sale of my property.
1. In a XXXX XXXX, XXXX response to the CFPB the company ( OCWEN ) acknowledges that they received the " QRW '' in accordance to RESPA on XXXX XXXX, XXXX - as my response to the " default notice '' sent to me. They also acknowledge that they DID NOT RESPOND in accordance to the RESPA law, and only answered after I made a complaint with the South Carolina financial regulators. The company ( OCWEN ) admits that they responded on XXXX XXXX, XXXX and XXXX XXXX, XXXX, which is XXXX ( XXXX ) months after they received the " QWR '' from me. RESPA requires that the financial entity respond to the creditor within a very specific time frame and in a very specific written manner.
In this answer of XXXX XXXX, XXXX OCWEN states that they validated the debt and owner of the property. The fact remains, they did not comply with RESPA and the FDCPA and proceeded with foreclosure actions with the law firm they mention as " their foreclosure attorney, XXXX XXXX XXXX ''.
2. FORECLOSURE SALE : In response to my complaint about noticing me by US Mail that a foreclosure sale was scheduled on my home in XXXX, they again state that there was a sale scheduled for XXXX XXXX, XXXX, but conveniently do not have any records or documents to substantiate that.
FACTS : My husband XXXX XXXX and myself visited the XXXX XXXX XXXX, XXXX South Carolina in person today. We were assisted by an assistant to the XXXX XXXX XXXX, XXXX XXXX in searching the courthouse records for the alleged XXXX XXXX, XXXX " Notice of Sale ''. After searching the entire physical file on my property and that foreclosure action, it was VALIDATED that there was NO SALE scheduled by the Court of Common Pleas , XXXX of XXXX South Carolina. We reviewed the entire file and and XXXX XXXX searched her computer database to no avail. It was absolutely confirmed that Special Referee, XXXX XXXX, no one in his office ever issued a " Notice of Sale '' to the Clerk of Court or anyone else.
I am including the specific names and phone contacts for the Clerks and XXXX 's office ( s ) who can valid the statements above.
XXXX XXXX - Clerk of Court Assistant, XXXX XXXX, SC.
XXXX Presiding Referee in foreclosure case : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX OCWEN LOAN SERVICING, LLC is stating facts that are not true. They have caused great harm to me and my family by issuing false statements and putting fear into our lives by these actions. There is no proof greater than the court itself and they have never received any notice to sell our property in foreclosure.
If OCWEN states that the records are not obtainable it is because they do not and never existed.
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| 01/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX ; www.consumerfinance, cov/mortgagehelp Dear Sir or Madame : Unfortunately, I have no choice but to file a complaint regarding my PHH Mortgage Home Loan # XXXX. Since XX/XX/XXXX, I have been trying to resolve the following matter with XXXX PHH Mortgage Services. The attached three ( 3 ) pdf documents substantiate my statements below.
In XXXX, I contacted XXXX PHH to recast my mortgage loan, and they sent me the required Principal Curtailment Modification Form. On XX/XX/XXXX, I returned that completed form to XXXX along with a {$300.00} check for the required processing fee plus a {$95000.00} check for Principal Payment. This mailing was per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated XXXX of XXXX signed receipt on XX/XX/XXXX. My bank statement showed these checks were cashed on XX/XX/XXXX. However, there was no recasting of my mortgage. I made no fewer than XXXX telephone calls to resolve this. Expeditor XXXX XXXX was the last XXXX XXXX Representative that I spoke with at XXXX x ( XXXX ). He told me that XXXX had received my checks but did not receive the Principal Curtailment Modification Form ( which I had enclosed in the SAME envelope as the two checks ). He told me to resend that form. So I resent the form per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated that XXXX XXXX of XXXX received this on XX/XX/XXXX.
This week, Mr. XXXX telephoned me to reassure me that the Escalation Department completed my mortgage recast request. He said that I would get a document in the mail that I must notarize and return. Then my recast would be processed. Well, Instead of this promised document, I received two unrelated documents : First, I received a letter entitled The mortgage assistance application was received. The next day I received Missing items from the request for mortgage assistance. I did not receive the recast documents that Mr. XXXX promised my by phone.
XXXX has kept my {$300.00} recast processing ( cashed on XX/XX/XXXX ) fee without recasting my mortgage. I have twice spent money on certified mailings and much time on useless telephone calls. I have patiently tried to resolve this since XX/XX/XXXX.
I request CFPB to help me resolve this. I would like my mortgage to be recast, but I do not want to spend more money/time on now having to notarize documents. This notarizing process was not part of the original recast requirement. If XXXX refuses to omit this new, additional requirement ( i.e., notarization of documents ) do this for me, then I want both my {$300.00} and {$95000.00} returned to me so that I can refinance my mortgage loan elsewhere. Thank you for your assistance.
Sincerely, XXXX XXXX Cc : 3 pdf documents to substantiate the above
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| 04/22/2015 |
Yes |
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- Credit decision / Underwriting
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Web |
Older American |
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I believe my issues may fall under JUDICIAL MISCONDUCT, Federal District Ct, XXXX, XXXX. I can appreciate how convoluted this may sound My purpose is to learn if XXXX XXXX dept will even condisder a review of my situation. Assuming I can get an ear without wasting cfpb valuable time. I was awarded my claim for title of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX by XXXX XXXX, XXXX, XXXX late XXXX XXXX. Judge XXXX held a hearing at requet of AHMSI, XXXX XXXX, attorney for AHMSI. At this hearing Judge XXXX asked XXXX if she had any lawful " note '' to prove American Home Mortgages legal standing under TILA XXXX. XXXX answered " NO ''. With that admission Judge XXXX dismissed AHMSI. Iwas XXXX and was hen under instructions to draft his order funding in favor o ( m ). A week later I used that order to place lawful title in my name. From that point I commenced doing expensive improvements totaling some approx {$50000.00}. and commenced living in my home.
Approx 1 year later I received notice to appear inXXXX Federal Dist Ct, Judge XXXX XXXX Presiding. In approx mid XXXX after I preparedly self for defense, XXXX. Not too long after I received Notice of Dismissal in favor of XXXX, OCWEN, AHMSI, Option One tat I XXXX XXXX XXXX was dismissed with prejudice, precluding me to be flushed down the Federal Ct toilet. Subsequent to that I was forcibly evicted about the same time I was in a life threatening XXXX and was hospitalized with XXXX. During my recovery I was forced to vacate. My life became an unholy terror ending up with me being forcd to leave XXXX to be assisted by my older brothe and finally settled in a mobile home in XXXX XXXX. I live now in near abject poverty having lost not just a valuable home bur the over $ 50k Judge gave to the criminal bank XXXX and the equally criminal OCWEN, and AHMSI. For me, well educated, it XXXX of justice spearheaded by Fed Judge XXXX XXXX. It smacks of a Federal Judge acting in collusion with several criminal ( aledged ) banks and absolute and total disregard of TILA XXXX which I followed to a T from way back in XXXX when AHMSI CEO XXXX ) e mailed XXXX promises to provide that which TILA requirers under law. AHMSI merely lied an d laughed at me failing al my XXXX ret Rec proof of delivery required by TILA. They commenced lying in writing mid year and refused to honor the CEOs promises to provide data.
Like I said, quite convoluted but all tue and I have never found any counsel to assist me. Back then, before XXXX XXXX took hisCFBP position, all XXXX attorneys were gun-shy of all these fat kat mortgage servicers. I actually contact XXXX XXXX just before he left Ohio and was never able to reach him up ti l.
In Advance I thank you for the look see that put this XXXX yrs old XXXX Vet on XXXX. I am reduced to begging for constructive help. Kind of given up all hope.
XXXX XXXX XXXX XXXX XXXX
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| 10/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
Older American |
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We had a bankruptcy in the past but it fell delinquent due to our health issues. The bankruptcy was dismissed. Shortly after that, PHH declined taking our payments. They repeated told us to apply for modifications and that there would be no reason that we wouldn't be eligible. We applied so many times and were denied every time. We were told there was no way to talk to the underwriter department and we had to wait to talk to our specialist. Appointments were usually several weeks out. This only meant that while waiting for each modification review ( and the results ) and waiting to hear from our specialist, we only had more money delinquencies as the months stacked up. We applied for the Help For Homeowners and were found to be eligible for a substantial amount. We called PHH and indicated as such and we were told that they would take the money towards the arrears and would divide the remaining arrears over 2 years so we could get caught up. The state was indeed ready to send the funds only to have PHH also request even more copies of the previous copies they already had. PHH talked with our state specialist and informed them, as well, that PHH would be accepting the payment and working with us. After MANY more months we have only received hang up phone calls from PHH. We again were told to send in income letters, proof of employment, etc. to PHH. We again did that as a " formality ''. We shortly thereafter received notification that PHH will not be accepting the money or working on any repayment plan. They plan on resuming the foreclosure from where they left off about 2 years ago. By not taking a single payment from us for 2 years we are now not only behind the original amount but now add in the additional {$20000.00} that has been adding up while " working with '' PHH. PHH also felt the need to add an additional {$12000.00} for attorney fees. The amount of time that has passed has not only been so much unneeded stress but has resulted in the inability to file for a XXXX XXXXXXXX as the monthly payments would be too high. It's our understanding that if you file bankruptcy you are not entitled to the money offered thru Help For Homeowners and that would put our house payment well over {$2500.00} a month when you include our current payment along with the arrears. The value of the home is only {$160000.00} and we lived here 25 years. Our state worker has even submitted modification paperwork on our behalf as she, also, wasn't getting answers from PHH. We believe and feel strongly our case has been " dragged out '' needlessly from PHH as they didn't want to work with us at any level. Had the denial happened 2 years ago, we could have filed and saved the house. Now with all the time that passed and more arrears mounting, PHH basically is planning on taking our home as we can no longer file and make that bankruptcy payment.
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| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is not a duplicate complaint so do not mark it as that! I have been in the process of a modification for over half a year, a process that takes no more than 30 days to finalize. I have sent in all documentation in a timely manner to be reviewed for a modification and PHH Mortgage has yet to review my file. Please see the detailed notes below as well as the letter that I sent in.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on modification, rep XXXX ID XXXX XXXX said that as of XX/XX/XXXX a request for mortgage assistance packet is needed. I asked to speak with a supervisor as we have been told multiple times that he is in full review for a modification. Rep said she could not transfer me to a supervisor and could not give me a direct line to call the relationship manager and could not give me the relationship managers email address. I told her that I need to speak with a supervisor TODAY. She said she can schedule an appointment for a week from now. I told her again that I needed to speak with a supervisor TODAY as ever time I schedule an appointment, my relationship manager never calls me, and if I do receive a call, it is from someone in XXXX or the XXXX letting me know my relationship manager is not available. The rep hung up on me after that.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on Mod, said it was still in review. Asked to speak with a supervisor, none available. Scheduled call back for tomorrow. Said documents were received XXXX. Said a supervisor will call tomorrow and make sure underwriting is reviewing.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on appeal, rep # XXXX said that as of XXXX that the mod packet was complete.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on appeal, docs were received, sent a note to underwriting saying the dox were received. Scheduled appointment for XX/XX/XXXX @ XXXX XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Sent in Quarterly Profit & Loss statement along with Signed & dated letter stating XXXX does not receive any income.
XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH for update on Appeal as relationship manager never called. Agent ID # XXXX said that the appeal was received yesterday XX/XX/XXXX. Asked to be transferred to loss mitigation. Said there is missing items : -2 recent bk statements OR -quartely profit & loss statement XXXX : -signed & dated letter stating no income BY XX/XX/XXXX Scheduled and appointment with Relationship manager XXXX on XXXX @ XXXX XXXX AM NOTE [ n ] - Sent appeal letter to XXXX *** XX/XX/XXXX, XXXX XXXX NOTE [ n ] - Called PHH to f/u on modification, rep ( XXXX # XXXX ) said that as of XX/XX/XXXX that the mod was denied. she was unable to tell me why. Said she will send the letter to me via email. Also said that he is eligable for a modification if we wanted to do a financial interview over the phone.
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| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am presently working to refinance my XXXX Mortgage and in the process it has come to my attention that my servicer ( OCWEN ) seems to employ a potentially unfair and deceptive practice when it comes to managing my escrow deposit. I was asked by the prospective lender to provide proof that the taxes were paid. I was embarrassed to learn that despite having the funds meant to pay for the taxes taken out of my escrow account on the XXXX of XXXX, the County Tax Collector has yet to receive the funds. As a result I can not substantiate that the taxes have been paid as of this writing. While the tax payment will not be delinquent until the XXXX of XXXX, I am out the funds and the taxes have not been paid. I assume the funds are sitting in the servicer 's transit account waiting to be paid and have been for at least 10 days. I phoned Ocwen this morning and spoke with the Call Center in XXXX and they informed me that the funds were sent electronically and they will research the matter.
FURTHER HISTORY : Remember the funds were withdrawn from my escrow account on the XX/XX/XXXX. I spoke with the County Tax Collector today XX/XX/XXXX, and they informed me that my current payment remained due. Further, last year the County collected the tax payment from the servicer 2 days before the penalty free due date XX/XX/XXXX. Out of curiosity I traced the payment history back to the servicer statements covering my escrow account, which are available to me on the website and they show the money came out of my escrow account a full month before it was remitted to the County in XX/XX/XXXX. Presumably Ocwen saved some interest expense by taking the funds early and remitting them at the last minute..
The tax division here in XXXX County indicated that over the past few years my servicers habit has been to pay 2 to 4 days before the penalty free due date. While the servicer changed in the last couple of years from XXXX XXXX to Ocwen I can say for certain that Ocwen removes the money from my account well in advance ( 30 days ) of paying the funds to the County.
This is very interesting and it appears that they have a systemic process which allows them to remove funds from the customer impairing the customer 's flexibility and taking away 30 days interest at the same time. While this may be a small amount of interest to any XXXX customer it would seem to add up to a big cost savings to Ocwen.
For purposes of closing my refinance transaction it may end up that I will be delayed or have to pay the taxes out of pocket to close the transaction. I have an interest rate lock that will soon expire, and it may end up that I am forced to pay the taxes twice to preserve the substantial value of the rate lock.
I was surprised to learn this, but at the same time would expect that this is a practice that is engaged in on a wide scale by many servicers.
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| 02/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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COMPLAINT ID XXXX-XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process My issue ( s ) continue : The mortgage company PHH is not currently working to resolve my previously reported issue ; nothing is currently being done to correct the now issue, as they incorrectly resolved the previous one.
I followed-up with PHH 's Escalations Department ( on XX/XX/XXXX ) and was told that my account had been brought to current, and all I now had to do was pay my mortgage amount for the month of XX/XX/2021 ( PROBLEM is, that I've already paid the mortgage for the month of XXXX ( in- full ) on XX/XX/XXXX - which should make my next payment due in XX/XX/2021.
Now, rather than being behind the one payment they misapplied and was supposedly working to correct - they've now indicated to me that I owe for the entire month of XXXX ( indicating that I'm now a full payment behind ). It's obvious that PHH is not structured correctly to handle Flex payments - even though the offer it. I reached out to them, and they've now cancelled Flex-payment, the last being XX/XX/XXXX ). ON XX/XX/XXXX, I paid my full mortgage amount for XXXX - the next should be due in XXXX.
I have paid all mortgage payments obligated, and my PHH Dashboard Payment history reflects this fact - but, PHH 's " Payment due '' is always incorrect. It now stated that I am 14 days past due.
While this issue drags out ( now over 2 months ) it has and continues to negatively effect my credit history and is causing considerable stress to myself and family, during these trying world times. The company is negligent ; is seems if anyone form PHH was actively concerned with resolving this issue, it would not take so long to resolve such an obvious issue. The Payment history which is available on their PHH sites holds the obvious answer to a simple resolution - apply the payments correctly.
I subscribe to a credit reporting and monitoring service. I received notice this month that my credit score had dropped 43 point. I inquired and was told that it was due to " late payments '' reported by my mortgage company. I went from the 800s to 700s. Is their a plan for them to resolve this developing issue? - they don't seem very concerned as I've still received calls from PHH 's Collect Department, and it obvious they've falsely reported to
the Credit Bureaus ( while they're supposedly working to resolve the issue ). It's so blatant that is seems deliberate.
PHH now reflects I'm 14 days late for XX/XX/XXXX ( which I paid in-full on XX/XX/XXXX ). While they supposedly work and continue to draw-out the resolution of an issue of they're own doing - I continue to be affected by the incompetence and negligence in resolving this issue.
Note : Although, I wrote to CFPB on XX/XX/XXXX, the issue with PHH was reported and supposedly being worked well over 60+ days
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| 01/30/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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My mothers mortgage was transferred from XXXX to PHH Mortgage. In XXXX we received foreclosure papers stating that the property taxes had not been paid. We sent PHH the receipt that the property taxes were paid on XX/XX/XXXX. We then received notice that they also paid the taxes and started foreclosure on the property even though they had no reason for default. They charged us XXXX in attorney fees that have not been cancelled. They eventually credited us for the property taxes they charged her account for. During this time my mothers home flooded and we received a insurance check that PHH was holding. PHH received XXXX. We had demolition completed on the property with XXXX in the amount of XXXX in XXXX. The PHH inspector came out and authorized the release of the initial funds. We called several times and did not receive a check. We had to pay out of pocket because XXXX was going to put a lien against the property. Phh was supposed to release a check in the amount of XXXX. We called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX and sent emails. On XX/XX/XXXX we requested by email the funds to complete the work. My mom did not have personal funds to complete the work. We were told the check was lost and they would reissue the check. We finally received the check in the end of XXXX. We completed all of the work and kept in constant communication with PHH. They informed us that they had her account under Covid relief and her home would be safe. They then filed foreclosure against her on XX/XX/XXXX. XXXX, my mother passed away on XX/XX/XXXX. We had all repairs completed by the end of XXXX and ordered the final inspection which was completed by PHH on XX/XX/XXXX. The inspector turned in his report and this should have closed out the file. I also sent them the personal representative papers so they could contact me in regards to the work and foreclosure. We went to mediation and they are still suing my mother for repairs which are complete. They sent a letter on XX/XX/XXXX for a status update on the repairs. I would think that sending the inspection report and pictures that their inspector signed off on in XXXX would be sufficient. I have asked several times for 6 months to sell my mothers property and I can not get a response. We also requested 3 times a payoff and they never mailed it and claimed they had the wrong email. This is a direct RESPA violation. PHH should refile the claim against myself since my mother is deceased. I also am requesting all attorney fees be waived since we complied with all of their requests from the beginning, They lost the documents yet proceeded with their predatory lending against an elderly individual. As of XX/XX/XXXX PHH 's portal still shows that the claim is not complete. They still owe us {$3500.00} in insurance money and will not respond. I have all supporting documents if you need this.
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| 07/23/2015 |
Yes |
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- Credit decision / Underwriting
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Web |
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We issued Ocwen Loan Servicing a notice of void/rescission demand of a refinance for our principal dwelling, that was done in XX/XX/XXXX. We found out that the entire transaction was a sham. We agreed to an FHA Negative Equity Refinance loan. At the time we had no knowledge and were being pressured by XXXX to pay XXXX a month even though our payment was around $XXXX a month. While into our 3rd month of making these payments, Mortgage Services XXXX, offered us an unsolicited refi, at the bequest XXXX for the FHA loan.
We were told, that the loan would reduce our principal balance and lower our monthly payment. According to our final XXXX statement, our principal was listed at XXXX and our payment was listed as XXXX. According to the appraisal, our home's value was listed as XXXX. To qualify for an FHA negative equity loan, we had to owe more on the home than it was worth. According to the attachments, you can see this was not the case.
On the Hud-1 It shows our principal balance as XXXX and our monthly was listed as XXXX. All of this information is blatantly false. The payoff statement from XXXX listed the payoff amount as XXXX with no information to explain why it was so much because the XXXX statement the month before stated our principal balance was XXXX.
The Supreme Court Ruled that all a consumer must do to rescind a refi on a principal dwelling is to send the creditor notice. We sent Ocwen several and Ocwen is noncompliant on all of them. We sent the first demand to void the loan on XX/XX/XXXX Ocwen sent us a denial and they did not file anything in court to declare they are the creditors within the 20 days they had to dispute the rescission. It has been almost 2 years and Ocwen did not file anything in the Court for a declaratory action, and because of this they have no recourse, the loan has been void since XX/XX/XXXX, as are the note and the debt. They are time barred to do anything at this point, they are in no way entitled to relief, and they still have not begun the process to unwound our loan, they have ruined our credit illegally, and they are going against the very thing Congress and the CFPB laws that are used to help the consumers. We had only to send them notice for rescission and from that point forward the security instrument Ocwen has is null and void. They have not given us any of our money, they have illegally ruined our creditor and they have been engrossing in improper litigation for almost 2 years, when a rescission is instantaneous.
The ruination of our credit has caused us many hardships, due to costly repairs that we have needed for our home, auto and healthcare. We went the entire XXXX with a broken heat-pump and now it is the XXXX and our A/C is broken and we can not get financing because of Ocwen and we can afford to replace it because our daughter has to XXXX.
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| 01/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I am writing this letter to inform you that I am a victim of the discrepancies of accounting by Ocwen Loan Servicing of my mortgage account for my house. I purchased my house new and have lived at this house for 30 years as of this past XXXX XXXX. We started with XXXX Mortgage then the loan has been shuffled around over the years to quite a few companies including XXXX XXXX Mortgage and Homeward Residential. Lastly we found ourselves being serviced by Ocwen Mortgage. I had absolutely no say or real notice of these transactions over the years. I presumed that this was a common practice for servicing companies and banks. A few days ago I received a letter from a company I had not heard of before named XXXX. Nationstar documents they sent to me stated they were now in charge of servicing my mortgage. Again I presumed this was just normal day to day banking activity UNTIL I read the documents from XXXX stating that the documents from Ocwen claim that I was delinquent for the past 6 months. THAT IS AN OCWEN LIE! I called Ocwen over and over again only to be shuffled between XXXX and the XXXX. No one would give me a straight answer as to where my payments had been going. I went to my bank, XXXX Bank in XXXX California, as well as checking all of my online activity. All documents confirmed that each payment was made on time and that Ocwen had received and cashed each check. Apparently the payments were either credited to someone else 's account of were stolen by an Ocwen executive. Upon further investigation I found numerous charges ranging from fees and insurances which were unfounded. I have always had insurances and had always notified Ocwen proof of insurance directly from our HOA and private insurance company XXXX. Next of course I called XXXX and explained these facts to XXXX people in several different states. I finally was able to be contact XXXX XXXX at XXXX in XXXX California. He was and has been very helpful in trying to untangle this accounting mess. I searched online and found that Ocwen has been deceiving clients like me for years and has been levied with millions of dollars in fines by CFPB. Apparently Ocwen has been collecting payments from many of their clients as me and not applying the accounting. Then Ocwen shuffles us to other service providers with documents stating we are delinquent, in my case 6 months ( A LIE ). Ocwen pockets ( steals ) these funds leaving us with destroyed FICO scores, decimated financial reputations, delinquent status, threats of foreclosures, and a cold shoulder. I have documents from my bank that Ocwen received the funds and " cashed the checks ''. A guess would be that someone at Ocwen has hidden my money in an executive 's XXXX bank account. XXXX has promised not to move forward with any foreclosure nor fines and fees until this is resolved. I hope they keep their word.
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| 05/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am trying to resolve the matter of delinquent payments on my mortgage with Ocwen Loan Servicing. I had some major health issues and fell behind on my loan. I am now healthy and back at work, and have had a tenant move into my home in order to generate more money that can be dedicated to go to the monthly mortgage payment. The problem is that Ocwen refuses to open a review of my current financial circumstances and is demanding that I reinstate the full past due amount including the late fees and legal fees they have added. I can't get an assigned account manager to work with me and feel that Ocwen is denying me access to programs that should be made available to me. I have owned my home for over 50 years and do not want to lose it. This is an avoidable foreclosure, I have the means to make a fair payment.
This home has been in my family since XX/XX/XXXX. We refinanced the loan in XX/XX/XXXX and had no issues with our monthly payment. We began having problems in XX/XX/XXXXwhen a wall in our backyard collapsed. There was a major question over who was responsible for the wall repair. We tried to work it out with our neighbor and the city but it turned into a big issue. We ended up getting fined {$6000.00} and were in and out of court dealing with the city inspector 's. We ended up having to pay {$12000.00} in order to rebuild the wall and this caused some financial problems for us. We fell behind on the loan and tried to get Ocwen to work with us at that time. However, we could not make any progress. Luckily we had some resources and we paid Ocwen a lump sum amount of {$14000.00} in past due payments in order to get back into good standing. We kept up with our payment until a little over a year ago when I had some health issues and was not able to work. We thought it would be easy to get caught up on our loan and reached out to their agents to see if we could be considered for a modification or a repayment plan or some type of compromise. The agents at Ocwen refused to allow us to even be considered for any of these programs and we were told the only option was a full reinstatement of the late payments and late fees. I am certain there are programs we qualify for and am puzzled and angry about the way Ocwen has handled our request for assistance.
Our financial circumstances have dramatically improved. I am still working part time shifts as a XXXX and also receive SSI while my husband was receiving a pension. We sent all of this information in to Ocwen but they dragged their feet, and now, Unfortunately, my husband just passed away. In order to dedicate more money to our mortgage payment we now have a tenant paying rent to us in our home and my cousin is living here and contributing as well. We have more than enough income to afford a fair payment, but the issue is that Ocwen won't give me the time of day.
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| 02/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My Grandmother passed away XX/XX/XXXX with no will. She had XXXX adult children who are the heirs. I live in her home and my mother, ( Heir 1 ) paid mortgage until XX/XX/XXXX, She had notified Ocwen of her passing. My mother moved out and I didn't learn the mortgage wasn't being paid until XX/XX/XXXXor XX/XX/XXXX. I received default notices and the amount to pay to bring loan current. So I called Ocwen to make sure of the exact amount due to bring loan current and up to date and pay them over the phone. They refused to speak with me and told me they would not accept payment because I wasn't on the loan account. They also refused to speak with both heirs also. I again tried paying in XX/XX/XXXX and they refused. Then XX/XX/XXXX I received summons for foreclosure. The heirs wrote the mortgage company stating they didn't have interest in home and they wanted me to assume mortgage or continue to pay. I was living in home. I hired an attorney and he wasn't communicating with me so I hired another one in XX/XX/XXXX and he filed answer to Summary Judgement hearing. Ocwen won because the lawyer didn't give me a defense in his answer per the judge. But the evidence they presented as Exhibits B and C were documents that didn't belong to my Grandmother. They had incorrect name, loan number, interest rate, principal balance, and much more. The payment history was so inaccurate, and was printed so small you needed a magnifying glass to see it. Everything was fraudulent. And they had lawyers and people swearing to reviewing these documents that belonged to a man in XXXX not to my Grandmother. This was their evidence submitted to the courts to win with. They also had lawyers fees for {$3100.00} for his time spent and documentation presented. They had foreclosure fees and costs separately multiple times a day with exterior inspections, property inspections, property valuation expense, title search, and they were listed twice on documents I received. They scheduled the foreclosure Auction for XX/XX/XXXX it was cancelled. Again on XX/XX/XXXX changed to XX/XX/XXXX and was cancelled. Now ive received a letter dated XX/XX/XXXX requesting to reschedule the foreclosure sale again because a successor in interest did not come forward. My aunt ( Heir 2 ) was trying to sell property before it was foreclosed and got involved with some shady real estate investor/broker and lawyer. So im confused as to what is actually going on with property because PHH has taken over for Ocwen and its a big fraudulent mess. The house has a lot of equity in it. More equity than what is owed on loan. Ocwen has violated many servicing laws and wrongfully foreclosed on my Grandmothers estate with fraudulent paperwork, forged documents, and incomplete and inaccurate payment history. Everything needs to be investigated from the start of the loan process.
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| 10/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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This issue is about a company called Ocwen Loan Servicing in Florida.
I do not have a loan, never had a loan, never heard about nor ever had or did any business with Ocwen or Ocwen Loan Servicing. Nevertheless, Ocwen recorded and published in public records that I took out a loan with Ocwen for {XXXX, which I never did. Ocwen has placed a lien against my name on that loan and alleged I never paid the company back.
I called Ocwen and sent faxed documentation XXXX XXXX approximately containing information and facts that confirms I have identity theft. XXXX XXXX, XXXX I spoke with XXXX in Ocwen 's Consumer Ombudsman 's office about the aforementioned issue. XXXX stated Ocwen had determined " I was not the Ocwen customer the company alleged defrauded them. And also stated even with the above being the fact Ocwen would not delete the negative information, release all liens and encumbrances placed against my name as their alleged client " has a similar or same name as I do. '' More importantly XXXX stated the reason Ocwen was not wanting to correct the situation is because the company requires a copy of my social security card that I will not send to them. Ocwen already knows and has confirmed their client has a different social security than I. I believe the request for my social security care is unlawful and an abuse of power against consumers.
No governmental agency to my knowledge provides or has provided any company or entity the right - to deny a consumer their rights under the laws of the United States of America. The FTC nor the Consumer Protection Bureau has mandated such right to Ocwen. Consumers are not wise to provide their social security card to people or businesses with whom they never had nor have any relationship.
I have identity theft and completed an affidavit for Ocwen that I located on the FTC website as well I submitted all documents Ocwen requested and submitted proof I have been a victim of identity theft, including a compromised identity card, provided me, by the XXXX XXXX. I also sent Ocwen copies of all the FTC and US laws requirements and mandates to release and desist from further harming ID theft victims through making public reports and or credit reports of erroneous damaging information against identity theft victims. Ocwen choses to ignore all laws, rules and regulations. Ocwen refuses to adhere to the US laws, rules and regulations of the FTC and Consumer Protection Bureau. Ocwen refuses to release their lien against me as well as refuses to release any and all other inaccurate encumbrances they have placed against me and or my name Ocwen is knowingly and willfully acting illegal by attempting to cohere consumers into providing information they have no right to and that is not required they provide by law, especially information as personal as one 's social security card.
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| 12/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.
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| 11/16/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Customers Concerns : Bank statements XXXX XXXX : Trial ACH payments started with Ocwen Loan Services on the Months of : XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) The Check for XX/XX/2019 {$750.00} and XXXX XXXX money order for XXXX, was cashed for XXXX The check for {$500.00} N.R.C.U and XXXX XXXX money order for {$200.00} and {$180.00} was not cashed yet for XXXX Errors of these Monies has not been deposited and or applied to the same Suspense account as PHH Mortgage Services current Suspense account. Due to Merger and blackout period ; or due to unkowledgeable data entry employees In which has me short on payments and missings payments causing monies to be applied wrong. Resulting as me reciveing a letter of ; Notice Of Default And Intnet To Accelerate 64 days in Default owing {$2900.00} Loan modification : My final loan Documents were signed by XXXX XXXX XXXX XX/XX/2019 and mailed out me. The account # XXXX, has not been properly updated finalized in your system with the correct information. Many Tasks and Notes of have been added to the account on what needed to corrected.
I feel The Estate of XXXX XXXX XXXX has been descriminated against by multiple departments within PHH Mortgages Services family transfer/ Assumptions of loans.
This matter/ and or loan Modification should have been completed and reflecting the correct borrower 's info. Within your company and with the XXXX County Assessor along with the Name Change and Title Transfer Request. As a Veteran I can not be assisted by other companies because the title and PHH Mortgages data is still referring to the late XXXX XXXX XXXX.
PHH Mortgage Services Research Department # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Can XXXX I am sending this letter, in regards of the Escrow shortage. I was told by customer service yesterday that a payment in XXXX was rejected, I would like to have this detailed info of the transaction that was declined.
My concerns : Business that rejected transaction ( XXXX )?
what type of transaction ( debit, credit Card )?
The final Modification was done XX/XX/2019 and signed before escrow shortage was analyzed. then loan should be reflecting my name only as of XXXX, my grandmother the late XXXX XXXX XXXX, is still on the account as main borrower, and im still being addressed as C/O ( Care Of ). i am confused how PHH Mortgages family Assumptions and teansfers progress.
Being a Veteran I can not get my taxes exemption because the process of the Loan Modification transferring to my name was postponed because of escrow shortage. The paper work at the XXXX County Assessor Clerk reflects XXXX XXXX XXXX. You have now faced me and my family with 54 days late payments wich caused default. and possible forclosure matters. How can we fix this problem, is what i presented to PHH Mortgages.
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| 07/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ocwen Mortgage Service recently transferred our loan to PHH Mortgage CompanyXX/XX/XXXX, I was on a biweekly pay option paying every 2 weeks for my mortgage.
I am a paying customer and have never been behind with my mortgage.
When our loan was transferred to PHH mortgage, there was one payment left in suspense because PHH mortgage did not correctly process the Bi-weekly transfer option.
I contacted PHH to on XX/XX/19 to see if I could maintain the bi-weekly option, I paid the XXXX payment of {$1200.00} on XX/XX/19 ( XXXX payment ) and they advised me that I needed to pay an additional {$620.00} ( Paid XX/XX/19 ) to cover the mortgage for XXXX and the suspense payment ( {$620.00} ) -pending from Ocwen because it was bi-weekly ... .would bring the account current for XXXX. I submitted XXXX XXXX info and 5 days later i contacted PHH mortgage to confirm if they received ... .They advised me they did receive and the payment of the XXXX XXXX-suspense payment and the payment of {$620.00} processed on XX/XX/19 was applied to principle in error and they will submit it to be corrected. I then call on XX/XX/19 -- -waited online and was transferred call was disconnected. Called back spoke with someone and they transferred me to supervisor line on hold 15 mins-call disconnected. Called at XXXX and spoke with a person who transferred again to a Lady that was yawning on the phone when I started explaining issue! ARE YOU KIDDING ME!!!!! I recorded all calls from XX/XX/19 ... .A relationship manager is suppose to call me within 48 hours ... .The CFPB will be contacted if this is not resolved. To add insult to injury PHH also drafted the full payment of {$1200.00} on XX/XX/19 -- -which I was told this was gon na be the XXXX payment of {$620.00} towards XXXX payment- ( So you drafted XXXX payment in XXXX and applied XXXX payment to the principle ) THE WORST EXPERIENCE EVER after speaking with person on XX/XX/19 at XXXX she advised me there is no bi-weekly option its just allows you to draft full amount on a day of your choice thru the XXXX ... ..SMH but I was told XXXX XX/XX/19 I was setup for the bi-weekly option which she said was XXXX option and I was all set!!!! THE WORST EXPERIENCE EVER!!! If I do not receive a call I will be seeking LEGAL ACTION! anyone else having issues please contact Consumer Financial Protection Bureau ( CFPB ).
www.consumerfinance.gov/complaint/ FYI ... ..The company does not answer phone calls without waiting over 30 minutes- ( There is a loud Static noise while holding on the line, probably there to make you hang up ... I did advised them when I called about this..
The customer service reps are not knowledgeable about the services or anything when it comes to your mortgage account ....
I will be refinancing with another lender asap to avoid doing business with them for much longer.
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| 07/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My issue is XXXX fold, but both complaints have to do with Ocwen Mortgage Co. In XXXX XXXX, I began trying to get a Loan Modification from Ocwen Mortgage. I am divorced and because of that and also some health issues, I could not pay my mortgage. I did everything required and sent it to Ocwen. They approved the mod. However, at the 11th hour, my ex-husband refused to sign the paperwork ( I was given the home pursuant to my divorce decree, but we had not actually redone a Deed ). At this point, the mod was based on my income figures alone. Ocwen denied the request at that time and sent the mortgage payment check back to me. We then did all the necessary paperwork ( recording a new deed, completing the Family Transfer paperwork and my ex and I both signed the release of liability form ). I resubmitted updated paperwork and was approved for the mod. to begin on XXXX XXXX, XXXX. However, I was to pay the back amount due since XXXX XXXX. I did n't understand then and still do n't understand now. I was never told to pay anything and there was no mod in effect so why do i have to pay the back due amount. They also stated the back due amount was due within a month. It was approx {$3000.00}. Funny thing, I do n't have that much money. At this point I got XXXX involved ( Note : I 've been a real estate agent for 20+ years and still did not understand most of this! ). XXXX was wonderful and began working to get this straightened out. Again, they sent, after I sent to them, all of the information requested ( including all the transfer info yet again ). We heard nothing back. On Monday XXXX/XXXX/XXXX, I received a notification from Ocwen they were beginning foreclosure proceedings. I spoke with XXXX and they are as confused as I. OK, now for the flip side. In XXXX XXXX, I received some ice dam damage at my home. I spoke with the insurance company and they gave me a check for {$21000.00}. Ocwen requires rather onorous steps to have them endorse the check. I did them all - getting paperwork filled out by a contractor, sending them all estimates, etc. I sent them all this in approx. XXXX XXXX. The insurance division will not even speak to me as my ex-husband 's name is the only one on the mortgage at this point (? ). In fact, when you delve into this, you will have to use his name, they do not show me on the mortgage at all. They will not issue MY insurance claim check. It has been a year and a half. As the ice dam melted, water come in between the walls. I know mold has been growing - I can smell it in one of the ( finished ) downstairs rooms. It is now going to cost me much more than $ XXXX to fix the escalating problem. But yet they still wo n't recognize me as the owner of the property since according to them, the mortgage is in arrears so they ca n't do a transfer ( But, when I applied I was not in arrears ).
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| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Hi! My issue is with PHHMORTG. I was on the XXXX XXXX XXXX XXXX from XXXX, XXXX- XXXX, XXXX due to loss of income. During this time period, I was approved for XXXX and began making partial payments, as well as, some full mortgage payments.
After my Forbearance Plan ended XXXX XXXX, XXXX returned my payments for XXXX, XXXX and XXXX, XXXX in XXXX! On XX/XX/XXXX XXXX mortgage payments were returned causing me to be behind XXXX ( XXXX ) PAYMENTS!!!
I was never notified via mail or over the phone when making previous mortgage payments that individual payments would no longer be accepted once the XXXX XXXX ended.
My XXXX payment was made over the phone and applied towards my XXXX, XXXX mortgage on XX/XX/XXXX which is the day that I received my SSDI. My XXXX payment was made over the phone and applied to my XXXX mortgage on XX/XX/XXXX which is also the day that I received my SSDI. Both payments, each month, were taken out of my bank account.
Out of ALL of the daily, weekly, and monthly calls from XXXX not XXXX representative EVER alerted me that single/individual payments were no longer going to be accepted after my Hardship program end date.
With that being said, in XXXX, after I received the XXXX returned mortgage payments, XXXX recommended that I apply for the Mortgage Assistance Program in an effort to obtain a Loan Modification and add my outstanding balance to the end of my loan.
I submitted the application, along with, my XXXX documents and whatever else they requested. It has been documented that I have been calling PHHMortg ever since XX/XX/XXXX inquiring about the status of my application! Each time my calls have been transferred multiple times as I repeat my concerns only to end up with another wait for a XXXX - day interview appointment with my mortgage specialist case manager. It is now XX/XX/XXXX. I spoke to my PHHMortg Case manger again today and literally cried when she told me the underwriters are still reviewing my application and no decision has been made for a modification. I am now 6 months ( {$6000.00} ) behind.
She also mentioned today that I can begin making single/individual payments only AFTER I pay the {$6000.00}. I would still be in a position to be considered for a modification.
I was also informed by my case manager that in a FEW more days, next Wednesday, XX/XX/XXXX that interest and late fees would start accruing to my XXXX and future payments along with negative reporting to the XXXX Credit Bureaus if I do not pay the {$6000.00}. I can only prevent these negatives if I can come up with {$6000.00} by next WEDNESDAY!!!!
PLEASE HELP!!! I am in desperate need of {$6000.00} mortgage relief assistance. I have been in my home since XXXX, XXXX. I do not want to leave or go into foreclosure. Some how the XXXX XXXX that was designed to HELP has done the opposite.
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| 08/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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My name is XXXX XXXX and I have been filing complaint after complaint against Ocwen Loan Servicing regarding their failure to provide me with the satisfaction of my loan documents. Please refer to previous complaints on file.
Ocwen has been repeating over and over again that they do not have to file a lien clearance because there was no XXXX continuation ; however, every attorney I have contacted concluded that issuing a lien clearance, even when there was no lien continuation, is the obligation of the last servicing agent - i.e. Ocwen Ocwen has been servicing the loan on behalf of an investor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX whom I did n't know existed until late last year when I was forced to sell another unit I owned in the same building.
Ocwen has further claimed that they had lost the original loan documents when in fact their records indicate that they did receive the loan documents from XXXX XXXX XXXX.
Ocwen is going out of its way to pay for lost documents they never lost and refusing to issue the lien clearance.
I have never dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX nor any other party but the financial institution thru whom I requested the initial loan from - The XXXX XXXX XXXX. This financial institution after filing for bankruptcy almost right after the closing took place, which it seems XXXX knew beforehand as records show that the same day my loan closed in XXXX, XXXX took the liberty to assign the note to their sister company XXXX XXXX without ever disclosing it to me - the borrower. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all related parties ; however they never disclosed their identity nor their participation in the notes thru the years. They simply worked under the table to get shareholders leave them with the notes ( horror stories I heard thru the years which it was hard for me to believe until I experience them myself ) It is clear to me that the above is a ring of corruption that needs to be stopped. I need to know who has taken illegal assignment of my note as that is the only explanation I can find for Ocwen 's reluctance to issue the lien clearance and the fact that XXXX XXXX XXXX filed for a XXXX on my loan in XXXX when I never had any involvement with them.
Sincerely, XXXX XXXX PS None of the mortgage process listed below applies to this complaint. My complaint is related to the final payment of the loan. Ocwen is a collection agency and that is another thing I do not understand : why was my loan serviced by them when I never defaulted on my loan and they were always paid on time. Was their investor trying to show that I was late so that they could claim the property on foreclosure as they did in many other cases to later re-acquire them at a bogus price to avoid paying the taxes,,, ,and the respective fees to the Corporation (? )
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| 04/19/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Ocwen loan servicing , LLC bought my mortgage from indymac bank about 5/6 years ago. I had paid the months mortgage to indymac as the Ocwen letter was received mid month of the date of loan sold. My first mortgage, XXXX mortgage statement from Ocwen did not reflect the payment made to indymac.
I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''.
My XXXX statement still reflected XXXX payments due and late fees. I called again. This time no one could give me an answer.
I fought Ocwen over this payment until I was hospitalized an went through XXXX XXXX..as I was able to regain my strength I started calling again, as I was trying to do a HARP OR HEMP on my loan.
In XXXX the loan was sold, I had no longer knew where the receipts were as I was not in a position to track them as I had other people cleaning my home as I recovered..yet I had sent proof in the XXXX month..
Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point.
Ocwen stopped reporting to the XXXX major credit agencies, I was actually able to have XXXX agencie contact Ocwen with me regarding the matter..Ocwen openly stated to the credit agency they only had been servicing my loan for 6 months XX/XX/XXXX. I had years of proof payments were made to Ocwen long long before, such as XX/XX/XXXX, and asked for aa supervisor ... the supervisor stood by the 6 month story even with proof I 'd made years of payments. ..I noticed that none of my payments had been reported for years, yet none were late. I did notice on my year end escrow statements, all my payments were made. I have now started to receive default papers after trying to refinance, but the loan processer was telling me Ocwen was refusing and holding up the HEMP, HARP, I do n't remember which.
My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive.
I did receive a XXXX intrist form from indymac AND last years Ocwen XXXX had a different tax ID number on it. I did n't notice this until reading a fraud story regarding Ocwen. I 'm in an intrist only loan at 7.7 %, trying to get down to a 4.2. % 30 year fixed.
I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.
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| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was on PHH Mortgage website making a payment & at the bottom it stated " HAVING TROUBLE PAYING YOUR MORTGAGE? You may be eligible for a mortgage assistance program that helps reduce your payment. Learn More about your options or get started at our Homeowner Assistance partner 's website. '' Things were getting a little tight for me so I applied for financial assistance with PHH Mortgage Services back in XX/XX/XXXX. I was finally approved in XX/XX/XXXX with trial period payments for 4 months ending in XX/XX/XXXX. I made my payments faithfully but when my trial period was up, XXXX was not done with the final modification. I continued to make payments as I was told until the modification agreement was final. I received the final modification agreement in XX/XX/XXXX which included a balloon payment of {$17000.00}, {$41000.00} principal payment & an extended term of 480 months. That was more than I started with the original loan. I kindly declined the modification agreement terms on XX/XX/XXXX & asked could they refinance with different terms. But my trial period was over & it too late to try & find another mortgage company so in the meantime my credit was ruined. PHH Mortgage services called me demanding {$2000.00} of delinquent payments that I was behind on. I mailed {$660.00} check on XX/XX/XXXX & was told by the agent that they would not accept that payment. I couldn't afford to send them a payment of {$2000.00}. That was the reason why I contacted them in the first place was for financial assistance, not knowing I would destroy my credit & by me declining the offer ; didn't give me time to apply anywhere else. Each time they call, they are constantly saying I missed a payment, which I had not because my payments were automatically drafted before I entered the trial loan modification agreement. I paid faithfully for 15 years, on time payments. My credit score was XXXX at the time & now it has plummeted with a negative impact on my credit history. Not once did they inform me that if I decline the offer, that they would demand full payment nor was it indicated on the modification agreement. FAST FORWARD TO NOW : I was subsequently sent a notice with intent to foreclose. I had to contact my retirement company for a hardship withdrawal to pay the arrearage which was {$3300.00} which I paid on XX/XX/XXXX. My credit score suffered & I can not find another mortgage company to refinance due to my low credit score. Also I received a letter in the mail that XXXX would take over servicing for PHH Mortgage of my loan starting XX/XX/XXXX. This complaint is so the next person could be completely aware & informed when they enter a trial period with this company with intent to modify, that it would definitely ruin there credit & any means of refinancing if they are not in agreement with the modification terms.
|
| 09/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Private mortgage insurance (PMI)
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Web |
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I purchased my condo a few years ago and since then its been sold 4-5 times. Each time, it's relatively smooth and issue free process. Mostly I just need to provide the new mortgage holder with a copy of the flood insurance certificate from my HOA as that does not transfer.
My mortgage was sold again in XXXX of XXXX to PHH mortgage, and this new mortgage company is the worst I've ever dealt with.
First, they declared that my flood insurance was inadequate. None of the other 4-5 mortgage companies found my flood insurance to be inadequate. I contacted PHH in a timely manner and provide the flood insurance certificate multiple times, along with a cover letter in which I did the math and showed them that the coverage was sufficient. Their overseas agents did not know how to read the flood certificate and were only including the primary coverage while there is also an excess policy. Despite all this, they still purchased flood insurance using my escrow funds.
I filed a complaint with the XXXX and only after that did they cancel the policy and refund the amount.
Fast forward late XXXX / early XX/XX/2023. I get a notice that my monthly payment increased 500 %. Yes, you read that right. They increased my monthly payment from around {$1000.00} to {$5100.00}. A mistake like this is unacceptable from such a large business, and I called PHH in a timely manner to let them know this needs to be fixed.
While they fixed the payment amount, PHH is now charging me PMI in the amount of {$55.00} per month. After calling back, the representative stated that I need to pay PHH {$190.00} to request an appraisal to remove the PMI.
This is ridiculous for multiple reasons. First, I have not paid PMI in years. One of my prior lenders removed PMI from my monthly payment as they found my loan to value to be below 78 %.
Second, based on the two most recent sales comps from my condo complex ( all units are the same square footage ), my loan to value is 49 %, give or take.
Third, I have an email from PHH dated XX/XX/2023 in which theyre trying to sell me a cash out refi. In this email, they stated their estimate of the fair market value of my unit ( and the fine print indicates this estimate is indeed their own internal calculation ). Using this fair market value number gives me a loan to value of 57 %, still well below the 78 % threshold for PMI. Why are they starting to charge me PMI if their own internal calculation indicates Im well below the loan to value threshold?
PHH needs to remove the PMI from my monthly payment, and refund any PMI that Ive already paid.
As an aside, I believe PHH is trying to nickel and dime their customers due to mortgage sales being down and this behavior is shameful. They have already been sued by multiple state attorney generals and need to be more diligent and above board.
|
| 08/29/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. District Court, The XXXX Police XXXX. and XXXX XXXX.
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house.
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX District court, the fraud at the XXXX Police and the fraud at XXXX XXXX.
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased father and stepmother. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX.
A few XXXX police officers showed up to my house around XXXX am as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer.
More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard.
The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him.
The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car.
The police then broke into my home of 10 years and had animal control take my dogs and impounded my car out of the driveway.
I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into 3 dumpsters and locked me out of my house.
During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.
|
| 12/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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Ocwen claims it sold my house to XXXX XXXX via a foreclosure auction in XXXX XXXX. XXXX XXXX subsequently filed an action trying to evict me in XXXX XXXX XXXX. I have been fighting them in court ever since. I have been represented in that action by XXXX XXXX XXXX XXXX since XXXX of XXXX. In XXXX of XXXX, Fannie Mae switched its counsel from XXXX XXXX to XXXX and XXXX. When XXXX became new counsel, they stated that XXXX XXXX and its servicer Ocwen were willing to evaluate me for a loan modification. They asked that I submit a Request for Mortgage Assistance package. I submitted a package with pages and pages of supporting documentation in XXXX XXXX. Over the next two months, Ocwen, through counsel requested additional documents three separate times. Each time I promptly provided them with what was requested.
On XXXX XXXX,, my attorney received a letter from Ocwen ( which was dated XXXX XXXX, XXXX ) via email from an attorney from XXXX. The letter ( which is attached ) said that Ocwen could not offer me a loan modification because my loan was post-foreclosure. However, Ocwen and XXXX XXXX knew this all. I do not understand why they asked me to submit an entire application, and rounds of supporting documentation if they were going to deny my application for a reason they knew all along. There is absolutely no indication they ever did any sort of individualized analysis based on my income and debts. My attorney contacted the attorneys at XXXX right after she received the letter from Ocwen and told them how she did n't understand why Ocwen would say they would review me ( and ask for so many documents ) if they were going to reject me for the fact that the loan was post-foreclosure. The XXXX attorneys did not respond to her emails or voicemails.
On XXXX XXXX, XXXX, I encountered an individual outside of my Property trying to take measurements. When I asked him why he was there, he stated that he was trying to assess the property for a pending sale. My son XXXX then discovered a listing for the Property on XXXX, which states that the Property has been under contract since an auction on XXXX XXXX, XXXX. ( I have included a copy of the listing. ) I realized all the while that Ocwen and XXXX XXXX said they were considering me for a loan modification, they were trying to sell the property.
Ocwen 's and XXXX XXXX 's actions are all the more upsetting to me because my ex-husband and I were once offered an affordable forbearance plan ( in XXXX ) and then the former servicer ( XXXX ) kicked us out of the plan because my ex messed up a payment by a penny. I begged XXXX to let us make the proper payment and remain in the plan but they refused. Neither XXXX nor Ocwen has ever done an individualized loan modification analysis, taking into account my actual income and debts, since that point and time.
|
| 12/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Parties : Ocwen LLC and XXXX XXXX XXXX.
Jurisdiction : California Issue : Ocwen/XXXX XXXX cancelled my HAMP modification agreement, a program regulated by the U.S. Treasury and HUD that expired in XX/XX/2016.
************* Background : I applied for a HAMP Loan Modification in XX/XX/2016.
Ocwen approved my application and sent the HAMP Agreement for signature after I had met the required trial payments. I signed and returned the Agreement to Ocwen in their own postage-paid envelope, completing the HAMP modification process.
I made 3 additional monthly payments on my modified mortgage. Then in XX/XX/2016 Ocwen cancelled the HAMP Agreement citing bogus reasons that they had not received the signed agreement. I sent them my copy of the signed agreement but Ocwen refused to recognize we had concluded a contractual performance and had a binding agreement.
Ocwen then refused to apply the 3 mortgage payments to my account that were made post the modification period and suspended those payments into a " Suspense account ''. Ocwen also refused to accept any subsequent mortgage payments and began foreclosure on my property.
In conclusion : I applied to the HAMP program and Ocwen offered to modify the loan, I accepted the terms of the modification and made the required trial payments timely ; Ocwen accepted and received the trial payments and credited my account. Ocwen sent a written HAMP agreement for my signature and I signed it and returned it in their own envelope as instructed. We had an offer, consideration, acceptance and performance of the terms of the HAMP modification.
Ocwen sent a letter dated XX/XX/2016 stating that the modification had been " Denied '' the use of this language is inapplicable because the modification had been accepted and fully performed and the event had concluded and therefore it could not be " Denied '' after all the terms had been performed timely and accepted by Ocwen and myself. The letter used the term " Denied '' to communicate that they were CANCELLING the HAMP contract.
Ocwen continued to misapply language by using term " Denied '' and did not answer the question that their actions may have breached a HAMP contract. The terminology Ocwen uses hides the existence of the binding HAMP Agreement. Ocwen has not corrected this problem and has not stopped foreclosure proceedings on my property ; if they succeed in foreclosing they would by fraud be civil theft as I have more than 50 % of the mortgage is paid on my the home.
Ocwen and XXXX XXXX have a prior history of these actions ; under the then Attorney General of CA, the Honorable XXXX XXXX, they were suspended from doing business in California.
Ocwen and XXXX XXXX and XXXXXXXX XXXX XXXX conduct of wrongdoing has caused me substantial economic harm and put the welfare of my family in jeopardy.
|
| 04/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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|
Web |
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XXXX is with Ocwen, initially I had gotten behind on one payment. I called Ocwen to attempt to work out a time when I could get caught up. I had the money and would have made three payments to get caught up. They added fees and refused to let me work it out when they calculated my monthly income, which by the way was enough to pay on my loan as I had done for years. I had an incident where I had a family emergency and got behind. I called to let them know I would make three payments set up two in one month and the third being the second month catching everything up. They refused to do that because I did not qualify, then I was told to fill out HAMP paperwork and set up an appointment with a relationship manager. All of this was unnecessary and they were unwilling to work anything out. it was impossible to communicate with them because everyone was XXXX and in another country. I had issues before and requested to speak with someone in the U.S. and that request was never granted. I went ahead and let the payments go because with the fees and them telling me I no longer qualified for a payment arrangement, I put the house up for sale to avoid a foreclosure. So as of XX/XX/XXXX we have been working with Ocwen on a short sale and I hired a realtor.
Shortly after that we had an offer that we, the homeowners accepted. The offer than went to Ocwen.
Around XXXX XXXX, they disclosed that we would have to use an auction platform before they would consider approving the short sale- this resulted in us losing the buyer that had been in contract for months.
Our file went through XXXX rounds of Auctions with XXXX the first and second without any buyers.
On XX/XX/XXXX Ocwen completed new values and sent this information to XXXX so they would know where to market the property.
On XX/XX/XXXX we were advised that this XXXX round of auctions resulted in a buyer. We then proceeded to send in paperwork each month for bank approval. We were told in XX/XX/XXXX everything was proceeding nicely and that the principle loan holder, Ocwen, had approved everything.
On XX/XX/XXXX we were then told that Ocwen declined the file because the offer was too low!!! They were the ones that sent the information to XXXX. See attached.
On XX/XX/XXXX when our attorney 's spoke with Ocwen they denied sending any " numbers '' to XXXX to market the property, however you can see that they infact did. Then initially when using this auction platform THAT THEY REQUIRED, they said they would pay to do that. Now they are trying to tack on the XXXX dollar auction premium to the buyer 's side. They also stated they did not set the values and that is why they were declining, when they clearly did, and because of that they would not net XXXX-XXXX more than what they are receiving now.
This file should have been approved months ago
|
| 01/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
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Web |
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TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU
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| 02/21/2017 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.
|
| 05/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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|
Web |
Older American |
|
The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX.
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. Listing agent : XXXX XXXX XXXX XXXX, XXXX, Seller : US Bank, National Association as trustee for XXXX Corp, Seller 's Agent : XXXX XXXX failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing property for resale.
My neighbor next door, XXXX XXXX, XXXX of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings around the perimeter during the residency of the XXXX owner.
Whoever prepared the property for re-sale was aware of the openings around the property. The seller and/or listing agent had contracted with a company for dirt/soil to be spread around the property to temporarily hide the recession of soil around the perimeter and the impending disaster to an unsuspecting buyer. I understand that my property was sold as-is, however, the seller had knowledge that the property was built on a trash pit and hid this fact by filling the holes and cover with sod. This pertinent information was withheld from the buyer. The seller of the property should be liable for the repair cost which should have been his/her expense in the first place and as such, the buyer was deceived.
There is an XXXX horizontal hollowness below the slap, the right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions ( re-measured on XXXX/XXXX/XXXX ). Kitchen tiles are cracked, kitchen counters are off balance and using the back door is hazardous because one may step out into a sink-hole. Being built on inferior soil has caused the rear right corner of the building to be supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure and contaminating my health!
What I was sold is equivalent to a house built on quick sand and I would not have knowingly purchased a house built on quick sand neither on a trash pit. I am a retiree living on fixed income and this expense will cause an increase in my debt.
This is unfair business practice therefore I need to be reimbursed for the cost of repairs to stabilize this property.
I kindly appreciate your help.
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| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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I received a yearly analysis on my mortgage dated XX/XX/2022. On XX/XX/2022 I contacted XXXX mortgage aka XXXX Mortgage I spoke to XXXX as an on shore agent in the U. S. at XXXX PM. I told her I had a shortage as my home owners insurance had gone up ( prevalent in Florida ). That I would pay at the end of XX/XX/2022 the shortage and Beginning of XX/XX/2022. She noted the account ( or said she would ). I made my XXXX payment of {$660.00} and assumed all would be well.
On XX/XX/XXXX I paid {$1300.00} toward my escrow shortages and an additional {$500.00} as I had stated I would on XX/XX/2022. When I went in to also make my regular payment of {$660.00} that was due on XX/XX/2022 I was alarmed to see the monthly payment was now {$800.00}. and change.
I called on XX/XX/2022 inquiring about the note that was made on my account but did not receive a direct response to that, only that they person/s would recite what the payment was, escrow etc. Still not getting anywhere I asked for another escrow analysis. I was told that I would need to wait 7 to 10 days.
I know how these companies work, especially these two combined companies. If I wait for them to do anything, my payment will come due and I will be paying even more money out and on top of it I will have a late payment.
I called again today, supposedly speaking with an escrow XXXX escalation person named XXXX which was my third connection in a line of people today. He states that they can not change the escrow analysis that it is against the Federal Law... .Okay not believing that. He also states that if I wait until XX/XX/2022 he will send me an email letting me know if they will change my payment back to {$660.00}. I told him that if XXXX does not change back my payment to {$660.00} then I will pay my own home owners insurance going forward and they are to send me back {$3400.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). I still have XXXX weeks to get my payment in by XX/XX/2022. The current escrow which is as of this date {$3500.00} ( that leaves {$97.00} in my escrows ) and I will pay my own home owners insurance. They can keep collecting my taxes.
What I would like is my payment to go back down to what it was as of XX/XX/2022 {$660.00} or lower if I am going to pay my own home owners insurance.
They have more than enough money in the escrow account which is {$3500.00} this amount does not include my XXXX payment as of yet for escrow. Plus an additional XXXX more months through to XX/XX/2022. If my taxes are less than {$1200.00} a year and they are collecting in excess of this amount, they will have over collected. I can not get anyone to listen to what I am telling them. It is falling on deaf ears.
Worst of all is my payment will not be made during the time I usually make it. Between the XXXX and the XXXX of the month.
|
| 07/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
CFPB COMPLAINT XXXX XXXX XXXX XX/XX/XXXX This is regarding my residential Mortgage Management company for XXXX XXXX XXXX XXXX XXXX AZ XXXX. This loan was originated in XX/XX/XXXX by GMAC and transferred to them ( Ocwen Loan Servicing LLC ) a non bank mortgage servicer in XX/XX/XXXX Ocwen Loan Servicing LLC consistently refused to talk to me about lowering finance rate of 7 % FOR 9 YEARS.. They have a history of charging improper tax fees ; mishandling client mortgage payments and collections foreclosures. I was left out of XX/XX/XXXX major lawsuit, allowing customers to fix these problems due to lack of proper settlement notice. I now have 10 years of widespread errors, shortcuts, and runarounds. I urgently need to get my over charged interest rate lowered from 7 % to 4 % and I wish to have at least {$20000.00} of the {$62000.00} interest over paid, converted to the remaining principal of {$56000.00} as my settlement. This would be fair since I was left out in XXXX and reduce would my loan to {$36000.00} on an aging XXXX Double wide trailer home in a rural XXXX XXXX Arizona community near XXXX. Ocwen Loan Servicing LLC is currently under for investigation for THESE same types of problems addressed by the XX/XX/XXXX LEGAL SETTLEMENT, in a current XX/XX/XXXX lawsuit. I am a XXXX senior citizen on a fixed income, left out of this XXXX LEGAL SETTLEMENT. It is imperative that I receive CFPB DIRECT assistance in helping me deal with this. This is not a mortgage company. Ocwen Loan Servicing LLC is only a collections company, damaging good loans paid on time like mine. My XXXX XXXX XXXX loan was originated in a XXXX real estate bubble with GMAC acting as a Low Interest Loan rural provider. My Residential Home loan was transferred to OCWEN LOAN SERVICING LLC, without my consent or approval. OCWEN LOAN SERVICING. LLC, has recently contacted me urging me to refinance my loan with a Texas Mortgage company, the typical pre-foreclosure maneuver, obviously trying to get me off their books. Their failing Management Software operating under a separate Company, XXXX XXXX XXXX, will scramble my payment history of on time monthly payment like many others and may ruin my credit I have asked them for assistance in lowering my HIGH 7 % interest rate but I am very fearful of their practices, as documented fact in the XX/XX/XXXXSettlement. When a person with a Residential Loan asks for OCWEN help, OCWEN/XXXX were found guilty of Data Base records losses and sudden swift foreclosing on many Residential home loans. Summary : The companies that I speak of are OCWEN LOAN SERVICING. LLC -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. -XXXX XXXX XXXX ( XXXX ), Delaware based Ocwen LLC Forclosure manager -OMS Ocwen Mortgage Services Business Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX USVI Established
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| 12/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Per a previous CFPB complaint with Ocwen Loan Servicing, Ocwen raised an additional question that must be answered. Please provide a written response along with documentation to each of our questions. Ocwen Loan Servicing stated that our investor loan number is XXXX. Now, this investor loan number ( XXXX ) belongs to XXXX which is on a copy of our Note and Deed of Trust. This loan was created on XXXX XXXX XXXX with XXXX. Ocwen is fully aware that XXXX and all of its affiliates went chapter XXXX in the District of Delaware on XXXX XXXX XXXX, file # XXXX. This means that XXXX is not the investor any more and is a non-existent company.
First, why did Ocwen fail to provide the current investor loan number as we requested?
Second, what is the correct investor loan number?
Third, what investor or company does this investor loan number belong too?
Forth, the information that we are seeking is NOT proprietary and confidential but rather Ocwen Loan Servicing considers this information confidential. Since this information pertains to our loan, we are entitled to have this information. So, why is Ocwen Loan Serving failing to answer our entire questions in detail and provide us documentation as we requested?
Fifth, the investor of our loan is NOT XXXX, so please do not provide XXXX loan number! If Ocwen does claim that XXXX is the owner of our loan, then we request documentation that this loan was sold from a previous investor to XXXX and not transferred or assigned which was done unlawfully by Ocwen Loan Servicing, claiming to be the assistant secretary for XXXX XXXX, per the Assignment of Deed of Trust dated XXXX XXXX XXXX. NOTE : Since XXXX XXXX is not the investor per the Deed of Trust dated XXXX XXXX XXXX ; XXXX XXXX can not legally sell, transfer or assign our Deed of Trust to another investor or company! A Deed of Trust allows the current lender to foreclose and sell the property if a person does not make their mortgage payments. Per documentation, an Assignment of Deed of Trust allows the lender to sell the loan to a different lender. A mortgage lender is the only person or company that can legally sell a mortgage and provide an Assignment of Deed of Trust anytime before it is paid off!
Sixth, is Ocwen Loan Servicing aware of the fraud that has occurred with our Note/Deed of Trust?
Seventh, due to the fraud that has occurred, is that the reason that no one that is affiliated with our Note/Deed of Trust will not answer our questions and provide documentation as we have requested?
Eighth, is Ocwen Loan Servicing aware that a state or federal court order can be issued for Ocwen to comply and answer all of our questions under oath?
Ninth, is a court order needed to have Ocwen Loan Servicing comply with our requests, answer truthfully and provide documentation?
|
| 01/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
We requested Ocwen f/k/a Homeward Residential f/k/a American Home Mortgage Servicing , Inc. to update our property address on XXXX/XXXX/XXXX and they have not complied with our request. Our property address is still incorrect in their records and now Ocwen has told us they are unable to review our loan modification application for the Making Home Affordable program because the property address on our pay stubs does not match the property address in their records. Our pay stubs has our correct property address of XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen has an incorrect property address for us as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX.
Ocwen is also attempting to foreclose on our primary residence of XXXX XXXX XXXX, XXXX, TX XXXX, where we currently reside and occupy. We have resided at XXXX XXXX XXXX, XXXX, Tx XXXX for 10 1/2 years. Ocwen has our property address incorrectly as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen no longer appears on my credit reports because the property address in their records does not match an address we have ever lived at.
According to the Ocwen National Settlement agreement with the CFPB and the XXXX State Attorney General Offices, Ocwen is to take appropriate action to promptly remediate any inaccuracies in borrower 's account information. We requested to have our property address updated 7 years ago and our property address still has not been updated by Ocwen and now Ocwen is unable to review us for a loan modification because their files have an incorrect property address of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX.
According to Ocwen, the foreclosure will be completely stopped once the account is approved for the loan modification. Ocwen wants to us provide XXXX financial statements valid within 30 days that confirm we occupy the property. Ocwen wants us to provide XXXX financial statements with an address that matches the inaccurate property address in their records of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. We occupy XXXX XXXX XXXX, XXXX, Tx XXXX. We do not occupy XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, which is the property address that Ocwen has for us. Since we have never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, are unable to provide Ocwen the requested information to review us for the Making Home Affordable program.
When Ocwen listed our property for foreclosure sale for XXXX XXXX, XXXX, the notice of foreclosure sale has a property address of XXXX XXXX XXXX XXXX, XXXX XXXX.
According to Ocwen, there is no single investor of your loan. Our loan is supposedly one of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact.
Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen.
Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share.
Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.
|
| 07/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The Servicer, Ocwen, had initially entertained the idea that a short sale could be done on the property. The homeowner is deceased and his wife who is NOT on the loan was the only person that could sign off on the paperwork. Ocwen however, took the short sale review all the way until the very end when we were told that the homeowner 's wife now has to file a probate case in order to be appointed the homeowner 's representative so she can sign off on any paperwork related to the Short Sale Approval ( despite the file NOT being approved just yet ). This was about XX/XX/2018. For the entirety of the time that the file was going through probate, the Escalation Department at Ocwen was fully aware that the homeowner was trying to get this probate case finalized but they started the foreclosure activity on XX/XX/2018 despite awaiting probate decision and set the date for XX/XX/18. We were able to get the date postponed to another 30 days after much resistance from Ocwen ( they let us know there was " nothing '' they could do because the Probate case was not finalized and they needed the probate paperwork in order to review the file fully for a short sale approval ). We had to get assistance from the Foreclosure attorney as well as filing a previous CFPB Complaint on XX/XX/18. As soon as the foreclosure was postponed, I contacted the short sale department and Escalation department at Ocwen to see what other documents they needed in order for the short sale review to be completed. After a whole week of no contact from the short sale negotiator or the Escalations department, I was told by XXXX XXXX from the Escalations department that the file now had to be reviewed for a loan modification. This is concerning because when the loan was taken out by the Homeowner who is now deceased, his wife did not go through the loan qualifications so to have her go through the qualifications now when Ocwen fully is aware that the wife is Unemployed and is only receiving a Pension from her husband 's death. She no longer lives in the house either and when we mentioned all these to the Escalation Department, we were told there was nothing they could do but get the loan reviewed for a loan modification since this was their rule. This rule by the way, was NEVER informed to us. Everyone who we were in contact with at Ocwen always pointed out that they needed the probate documents before they could review the short sale completely and there was never any discussion abt the possibility of a loan modification review being Mandatory. This seems to be a way to waste her time since the review for loan modification does take at least 30 days and the foreclosure date is 16 days away. We escalated everything for paperwork that we could control and Ocwen unfortunately has stalled the short sale review once again.
|
| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
1. On XX/XX/XXXX I entered into a loan modification agreement with Ocwen Loan Servicing that was offered to reinstate my mortgage. At the time of the modification, the balance of my first mortgage loan was {$84000.00}. The approximate balance on my second mortgage loan was {$24.00}, XXXX.
2. In XX/XX/XXXX, I received an IRS form XXXX for debt cancellation from Ocwen Loan Services in the amount of {$77.00}, XXXX. According to the form I received, the amount was discharged on XX/XX/XXXX.
3. Since Ocwen was the servicer on both my first and second mortgages and they offered a solution to help us, my husband and I were lead to believe that the second mortgage was modified as well.
4. On XX/XX/XXXX I requested a pay off quote for our first and second mortgage. I was informed that our second mortgage was sold to a collection company by Ocwen Loan Servicing on or around XX/XX/XXXX. I was not even aware that the second loan existed because we were lead to believe that our mortgage was modified and both first and second loans were included.
XXXX. What actually occurred is that Ocwen Loan Servicing offered what appeared to be modification solution to help my family, however, the discharged amount created additional tax liability, the balance of my first mortgage loan was not accurately adjusted to reflect the amount of debt discharged and Ocwen sold the second mortgage to a collection agency five months later without my knowledge. In fact Ocwen committed unethical and illegal underwriting practices. Ocwen created additional financial duress and burden by presenting what appeared to be a solution, but was actually misleading.
6. I contacted Ocwen Loan Servicing regarding the charged off account and was told that the second loan was not modified. Since the second loan was not modified, there is an accounting discrepancy. The principal balance of my first loan should not have been {$42000.00}. At the time of the modification ( XX/XX/XXXX ) the balance of my first mortgage loan was {$84000.00}. Ocwen Loan Servicing cancelled {$77.00}, XXXX per the XXXX I received from Ocwen.
7. When I contacted Ocwen on or around XX/XX/XXXX about the discharged debt and incorrect principal balance, they were unable to explain the discrepancy.
8. On XX/XX/XXXX, I attempted to log into my online account and Ocwen Loan Servicing has blocked my access to my online statements.
9. I have been a victim of discrimination due to race and socioeconomic status. Ocwen Loan Servicing attempted to take advantage of our financial hardship. Ocwen is in violation of Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as the Equal Credit Opportunity and Fair Housing Act.
10. I have attached a copy of the IRS form XXXX as well as account activity for my first and second mortgage loans.
|
| 08/29/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
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|
We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.
|
| 09/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc.
Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property.
With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property.
My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}.
On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court.
To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage?
I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim.
Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home.
The new constructions in the county could be only afforded by reach people then what is it left for the medium class families?
I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.
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| 09/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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# 1 XXXX from XX/XX/XXXX to XX/XX/XXXX Was the originator of my Mortgage wich was a fraudulent loan with excessive brokers fees and charging XXXX intrest in the state of XXXX. Listed in the XXXX district court from XX/XX/XXXX to around XXXX is XXXX as the Mortgage lender .XXXX , Wich I was part of a class action Law suit for this transfer and a 2 year clause not letting borrowers refinance at a lower intrest rate, XXXX found in favor of the borrowers in this class action suite , but this did not stop the fraud. XXXX had the mortgage 3 months then transferred to Littion Loan servicing or XXXX XXXX, None of these banks are on the Mortgage as the note holder as required under consumer protection Law, 30 days in state and 90 out of state or lose your right to collect. This is XXXX State Law as well as Federal Law. When oer XXXX documents were sent to you HUD and Federal Trade Commision Documenting this fraud Litton Loan servicing was to be removed from my credit report. Not documenting payments putting insurance when I had paying taxes when not late. wich is a consumer fraud from high intrest loans mine was at 9.9 ad more. claiming less money paid in to IRS wich I sent XXXX XXXX receips to and they filed charges agains Littion Loan Servicing. then after being found for Fraud by you with the documents sent you. Littion Loan servicing transferred to XXXX. who is currently claiming there are foreclosing on my property. When the XXXX district court left XXXX XXXX do that. as they registered with an out dated notary form that they owned the Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
This same person transferred my mortgage on the same day from XXXX to XXXX then to XXXX XXXX. XX/XX/XXXX after the Law suite with XXXX and XXXX was settled and both went bankrupt. I have had no contract with XXXX XXXX and never got anything from any one saying these people owned my Mortgage. and Litton Loan servicing was collecting my Payments not XXXX XXXX. But never registered as the bank to collect my mortgage.
How does a bank that I never signed anything with nor agreed to this transfer with for close on my mortgage? When under my contract they could only transfer 1 time?
How can they collect intrest after I stoped paying because of the excessive fraud also claming a XXXX dollar loan was now XXXX XXXX taking away all my equity in this property? When XXXX does not let you charge intrest like this? This is our justice system? This is consumer Protection?
Ocwin did not foreclose on my Property XXXX XXXX did with out any legal right. How can this be? Why is this on my credit report? No refinance was offered for this fraudlent loan eather wich prompted my finding out about all the fraud. Please return my property tome and clear up my credit report within 5 days of this complaint.
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| 07/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XXXX of 2012 We had some financial issues and had to file for chapter XXXX bankruptcy. Immediately following our filing date, Ocwen did an escrow adjustment raising the amount of our monthly payment from {$480.00} to {$660.00}. They also at this time stopped sending us a monthly statement. When I talked to a representative they told me their system was down and were unable to send a statement at that time nor did they tell me of the rate increase. Being that we had just gotten all the necessary paperwork completed for the bankruptcy, we were under the assumption that all delinquent amounts were accounted for and set up in the payment plan to our trustee. After several months the bankruptcy attorney had informed me that Ocwen had still not responded to the claim from the trustees office and asked if I would contact them to see what was the matter. I contacted Ocwen a second time and was told they had not received a claim. I again asked about a monthly statement and was told again that their system was down and no one was getting a monthly statement. Soon after, the bankruptcy attorney contacted me again stating that Ocwen had filed the claim, however it was past the deadline and rejected by the trustee. I contacted Ocwen a third time and was told we needed to file for a modification and that the claim amount they filed was incorrect. They also informed me that we were now further behind in our payments. I told them we had been making our payments every month and they said they were not accepting the payments because they were only partial payments. This is when I became aware of the additional amount for escrow. I told them I was unaware of any increase because they had not been sending us a monthly statement. I inquired about the statements again and got the same response as the previous XXXX times. Time has gone by and we still have no resolve in the issue. The trustee has not made any payments to Ocwen, because they have no claim on file. Ocwen also failed to notify the trustee of my monthly payment increase. I have contacted Ocwen again and reapplied for a modification but was denied. I asked about monthly statements again and was told this time I needed to request them. So, because of Ocwen not following through the way they should have, and because of not getting any statements showing what was due, they are now showing us to be more than {$12000.00} behind our original amount past due which at time of filing was just over {$3800.00}. This has now placed approximately {$400.00} a month more towards our monthly expenses. {$170.00} towards our mortgage and an additional {$200.00} towards our trustee payment. We are trying very hard to make this right and to keep our home. However, we feel that Ocwen is doing everything they can to make this impossible.
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| 08/20/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Ocwen is not complying with the Ocwen National Servicing Agreement and the National Mortgage Settlement. Ocwen is relying on a fabricated document to conduct a foreclosure sale. The mortgage transfer filed in XXXX XXXX was filed by a known robo-signer, XXXX XXXX. According to the National Settlement website, " The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). Ocwen must also pay XXXX to the nearly XXXX Ocwen, Litton, and Homeward borrowers who have already been foreclosed upon and Ocwen must adhere to significant new homeowner protections.
The consent order requires that Ocwen follow the servicing standards set up by the XXXX National Mortgage Settlement ( NMS ) with the XXXX largest banks. Ocwen 's compliance with this settlement will be monitored by the same professional monitoring team currently in charge of enforcing the NMS, led by former North Carolina Banking Commissioner XXXX XXXX. '' According to the United States Department of Justice News Release, " The court documents filed today also provide detailed new servicing standards that the mortgage servicers will be required to implement. These standards will prevent foreclosure abuses of the past, such as robo-signing, improper documentation and lost paperwork, and create new consumer protections. The new standards provide for strict oversight of foreclosure processing, including third-party vendors, and new requirements to undertake pre-filing reviews of certain documents filed in bankruptcy court. The new servicing standards make foreclosure a last resort by requiring servicers to evaluate homeowners for other loss mitigation options first. Servicers will be restricted from foreclosing while the homeowner is being considered for a loan modification. The new standards also include procedures and timelines for reviewing loan modification applications and give homeowners the right to appeal denials. Servicers will also be required to create a single point of contact for borrowers seeking information about their loans and maintain adequate staff to handle calls. '' Ocwen is continuing with the foreclosure abuses of the past by relying on this robo-signed document and by listing our home for foreclosure sale while it is being reviewed for a loan document. All documents have been received for the loan modification by Ocwen as of XXXX/XXXX/XXXX. Ocwen 's account analyst from the Consumer Ombudsman nor Ocwen 's legal attorney, XXXX XXXX are familiar with the new servicing standards or the Ocwen National Servicing Agreement and the National Mortgage Settlement.
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| 12/03/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable.
FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.
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| 06/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents from the loan modification and family and name transfer of this loan between the dates of XX/XX/XXXX and XX/XX/XXXX. In addition please provide all documents from XX/XX/XXXX to XX/XX/XXXX the period of OCWEN Loan Servicing. I have made several request for this information without receiving this information. You have closed complaints as duplicates on several complaints submitted. As recent as today you submitted that you were making an interim response when you were in fact Closing the Complaint. As I submit this QWR QUALIFIED WRITTEN REQUEST, NOW on XX/XX/XXXX @ XXXX XXXX. OCWEN has not sent notice to me or the CFPB that you have closed the last complaint submitted XX/XX/XXXX as Complaint Closed with an explanation, The same explanation you continually lie and use to cover the mistakes you have made.
What is ridiculous is this same information OCWEN is lying and denying is on file with the CFPB.
Again, THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents transacted from XX/XX/XXXX to XX/XX/XXXX, in regards to this loan.
OCWEN has reached a new low. You have provided only the original loan documents signed by my DECEASED DAUGHTER, originally signed XX/XX/XXXX.
You have had this loan only since XX/XX/XXXX and the original request was for the transactions subject to the original complaint first filed. Trust that you will not get away with this. This will become my lifes work. I will now make everyone in this country aware of OCWEN who is not already aware of your hideous reputation for loan servicing errors and law suits and what you have done while lying slogan continues HELPING HOME OWNERS IS WHAT WE DO.
THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents since XX/XX/XXXX when you started servicing this loan to XX/XX/XXXX, in addition to the loan modification and family transfer documents from my deceased daughters estate, and documents relating to the attempted transfer of this loan in a foreclosure status with {$13000.00} due upon transfer and documents relating to payments returned to me.
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| 11/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing.
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope.
Thank You
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| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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In XX/XX/2023 I logged onto the PHH Mortgage website to see my monthly payment raised from {$2800.00} to {$4400.00}. I was told this was due to an escrow shortage because they claimed a predictive model showed my home evaluation going up.
The 2023 notice of appraised value document I received from the XXXX XXXX Appraisal district office shows my total market value going from {$610000.00} down to {$580000.00} and also proof of my Homestead Exemption as well. When I provided this document to PHH Mortgage they told me it was not enough to remove the increased amount to my monthly payment and they'd need the actual Tax bill that wouldn't be released until XXXX.
Around XXXX PHH told me over several phone calls that I'd be placed on a 90 day forbearance where I wouldn't have to make payments and those XXXX payments would be placed on the back of my payment cycle and my account would still be reported in good standing. I was also told they'd have no problem extending the forbearance to XXXX so they could receive the tax bill. I was then told on XXXX that their " investor '' denied my request to have the payments moved to the end of my billing cycle and the amount was due immediately.
I then found out my credit score dropped XXXX points because PHH was reporting my account as 180 days delinquent. I filed a dispute with XXXX and my credit report then showed my account in good standing but the score was not raised back to where it was originally In XXXX I was trying to work with PHH to resume payment under the reduced amount but they attempted to get me to sign up for a Mortgage assistance plan. They informed me I could no longer make payments via their website and I'd have to call to make XXXX consecutive payments for XXXX, XXXX, and XXXX for the amount of around {$2700.00} and after I was able to make those three payments I'd be able to again make online payments again at the adjusted rate now that they have the tax bill When I attempted to make my third payment on XXXX I was informed my home was now in foreclosure and it would be up for auction on XXXX if I didn't pay them {$24000.00}.
they claim this had something to do with an issue regarding my Title and they had me fill out a Marriage Status affidavit and said that if I filled this out my home would no longer be up for auction but I'd still owe the {$24000.00} ( I have been single this entire time with no previous marriages ) PHH claims they have sent me notification documents via USPS but I have not received them. The documents are available in my account on their website but how would I know to check there if I wasn't being notified via email or even over the phone?!
I just didn't want my monthly payment to double and now I might lose my house. Please help me CFPB... you're my only hope!
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| 12/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them.
One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.
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| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint is related to previous CFPB complaints XXXX, XXXX and XXXX complaint XXXX.
XXXX ; XXXX offered my wife and I a loan modification which was not provided. After filing complaints, involving state and federal officials, the motions were put into place to process the modification. There was an explicit condition that our loan was to in absolutely no way be reported negatively. Just after the agreement was memorialized, the servicing company changed to PHH Mortgage, and they were aware of the agreement. I was in contact roughly every 21 days with the employee who was assigned to our mortgage account. We have made our payments on time. She was made aware when we made them. PHH sent paperwork at varying times stating that they attempted to reach us ( which was untrue given she and I were in contact quite a bit ) as well as paperwork to start the process over when we were nearly complete. She was addressing this internally and continued to show that we were on pace to be done with our trial period after the XXXX payment. There was one point where she called after the XXXX payment to congratulate me because we completed the trial period, but I told her we still had one to go and it was already scheduled. We were able to share a laugh and she told me that I was correct, there system had it incorrect.
Problem One XXXX XX/XX/2021 should have been the last payment of our trial agreement. At that point our interest rate was to reduce from 4.5 % to 3 %.
We have not received the final modification paperwork indicating this, in fact we have received no paperwork moving toward a finalized modification at all.
XXXX XX/XX/2021 we made a payment to our mortgage in the same amount that the trial payments had been and given the reality of the calendar, we will be making the same payment on XXXX XX/XX/2021.
Problem 2 PHH Mortgage has reported us as late 60 days to the credit bureau. This is catastrophic as it begins a credit death spiral ; when banks reduce a credit limit to just above outstanding debt, thereby driving up credit utilization. This in turn causes the credit score to plummet, which causes the creditors to see the customer as high risk, thereby increasing their interest rate. This is a cyclical pattern reducing the customer 's borrowing power, while simultaneously causing them to pay more in interest than they were previously. This process has already begun, and we have seen our limits vanish before the holiday season. Because this is a matter that by all accounts, every partied had settled and closed months ago, yet PHH Mortgage ( and XXXX XXXX XXXX ) have thumbed their nose at us customers, at the regulators, have continued to cause severe emotional distress and cause real financial harm, I want compensatory and punitive damages.
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| 09/16/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX
Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original.
Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX?
Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
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| 05/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what.
There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments.
Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem.
Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor.
There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later.
You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws.
If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA.
If assisting homeowners is what you do What happened? But that is a lie as well.
I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract.
Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract.
Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right.
You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law.
However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade.
I know the process and the laws behind it. Ocwen will not get away with this.
I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.
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| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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I retired XXXX XXXX of this year, I got online and look at my account balance. {$86000.00}. I wrote a check to them on XXXX XXXX for that balance and mailed it ... .on XXXX XXXX I called PHH Mortgage and asked if the check was received, he said yes. The person on the phone said give them 10 days to process the check..OK. Called 10 days later and I was told they would submit a request to pay the account.OK. Called again was told they can not accept a personal check, I said OK, send the check back..was told they would put in a request ... Called again 7 days later and was told that was not the balance, I said that is what the computer said, how can I have a different balance? Continued e-mailing and calling to get my personal check back ... I will put in a request ( This was there go to answer for everything ) I called again in XXXX and wanted to know where my check was and send it back. They send an -email stating again they don't accept personal check ... I responded by saying " send it back '' this went on for a couple weeks. I stared depositing money into the balance, I got it down to {$160.00} over the course of 3 weeks. XX/XX/XXXX I received a letter saying it had to be paid by the XX/XX/XXXX. Then on XX/XX/XXXX, the balance jumped to $ XXXX..I called and asked why? With all the monies I have paid I am paid until XX/XX/XXXX. In the mean time I received an e-mail saying they were sorry, but they lost my personal check and put stop payment on it. ( more money ) .. Then I called again asking why my account jumped from {$160.00} to {$430.00} and again was told they would " put in a request '' and find out ... .NOW I am not a happy person ....
Then in XXXX, one of the guys suggested to use my escrow to pay it off..I have a total of {$770.00}. and paid another {$620.00} ( online, because that is what they said I owed ) now they have {$1300.00} in overpayments. Called again when it was not paid in full. I called and spoke to a woman and she also said " I will put in a request '' to pay it off. I asked her why my account jumped from {$160.00} to {$430.00} and again was told " I will put in a request.. she said call back in 3 business days..ok Called again on XX/XX/XXXX, and spoke to a man and he said ..it is just sitting there..I will put in a request for payment ... .ok I received an e-mail on XX/XX/XXXX, apologizing for the inconvenience, give them 3 business days to resolve this and in 10 business days all extra money would be refunded ... Nothing has been done ... ..I called XX/XX/XXXX and said nothing has been done ... .and again he said I am looking at this, I don't know why nothing has been done. I will personally find out what the problem is and call you by the end of the business day ... ..No phone call ... And now I am writing you
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| 09/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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GMAC recently withdrew their certificate of authority to transact business in Florida but yet Ocwen under GMAC 's name is making it very hard for us to keep our home. We were recently offered a short payoff by Ocwen to satisfy our mortgage loan debt. We requested an initial extension in order to organize our finances to payoff the mortgage debt. Ocwen asked that we withdraw our pending notice of error before they could consider our request for an extension. We did so in good faith and meanwhile Ocwen did not inform us that the number of days to our deadline had started. Ocwen then came back and denied the first request for an extension. Ocwen would not grant us an extension after Hurricane Irma devastated areas of Florida to allow for an inspection by the lender. We also showed Ocwen our commitment letter that said we would get funding contingent on an inspection of our home. Because of Irma the initial inspection was cancelled. Most of Florida was without power on XX/XX/XXXX and almost every business was closed and most counties were under mandatory curfews. The Supreme Court of Florida even granted an extension in the courts because of Hurricane Irma in XXXX XXXX XXXX where our home is located, but Ocwen refused to and they did not provide a reason why it could not grant the extension. Our attorneys repeatedly asked for an extension after that to allow for the inspection to occur. Ocwen denied our request and said the deadline was XX/XX/XXXXwhich was 5 days after Hurricane Irma. Prior to foreclosure we made all our loan workout ( modification ) payments in XXXX to GMAC. This was the same time that GMAC declared for Ch XXXX bankruptcy. Ocwen bought the servicing rights out of the Ch XXXX bankruptcy and prematurely foreclosed on us in XX/XX/XXXXbefore they had boarded the loan to their system and under the incorrect default date. Ocwen postXX/XX/XXXX was required to check the servicing file when they boarded the loan in XX/XX/XXXX. Had Ocwen done what was required of them, they would have discovered that the default had changed and that we had a work out agreement and seen that we over paid on our payments. We retained new counsel that filed a motion to vacate the final judgment on the basis that the loan was modified by the time the judgment was entered and therefore Ocwen or GMAC could not foreclosure. The judge asked the question what was the point of Ocwen keeping the payments we made if Ocwen did not have any intentions on modifying the loan but the judge ultimately ruled against us. Ocwen caused us to incur more legal expenses as they fought vigorously to take the deed of our home. Ocwen then recently gave us a new payoff that was exactly {$200000.00} more then the original payoff after Hurricane Irma again with no explanation why.
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| 11/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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XX/XX/2022 : XXXX. I logged into my PHH Mortgage account and found that I was somehow behind on payments. I had never received a late payment notice via XXXX or email -- not in spam, nothing. It turns out that I had paid my escrow incorrectly, so all of my payments ( that I was making automatically every month ) were being marked as 'unpaid " since I had an escrow shortage.
XXXX. I called PHH, and they informed me that since I am signed up for paperless billing, I DON'T get email notifications or an e-bill of any kind!!! How is that a paperless bill?? I am supposed to log into my account to see my bills, or to see if there is a late payment. Never in my life have I worked with a company that provides ZERO notification of bills, late payments, etc.
XXXX. The customer service rep and I both tried to get their online payment system to work, and could not. She said it was because of XXXX XXXX XXXX ( can't even schedule a payment online, but I can talk to a rep on a holiday?? ) and to try on Monday.
XX/XX/2022 : I logged into PHH and still, the payment system wouldn't let me make an escrow shortage payment on its own -- it had to be in addition to TWO regular payments ( not one -- if you choose one, it doesn't let you pay an escrow shortage ), so I went ahead and did that, totaling {$5300.00} for XXXX mortgage payments plus the escrow shortage.
XX/XX/2022 ( I think ) : XXXX. I logged in again, and it showed I have an upcoming bill for XXXX, even though I had made XXXX payments ( NOT to principle ).
XXXX. My husband called them and tried to sort it out. They said it would be fixed in the system within 5 days, and that we'd just owe {$200.00} in XXXX, and then from XXXX on we'd make regular payments of {$2300.00}.
XXXX. We switched to XXXX billing, to make sure we don't miss correspondence in the future.
XX/XX/2022 : I logged into my PHH account and it STILL shows that we have a XXXX payment due, even though we've paid over $ XXXX this month!
I would like the govt. to hold PHH accountable for : XXXX. Not contacting people ( at all! ) when they are signed up for e-billing -- not when they have a payment due, when a payment is late, or when late fees are applied. They expect you to sign into their system -- NO other lender or vendor has ever done this to us. We have a high credit score and pay our bills on time -- and have had mortgages on XXXX other homes in the past with XXXX XXXX, XXXX, etc.. This is either egregiously lazy on PHH XXXX part, or intentionally negligent in order to collect late fees.
XXXX. Either lying about how their online payment system works, or just not having any idea. Twice we have been told it wasn't working or reflecting the correct numbers, but it would be 'fixed ' within a few days. Nothing was fixed.
|
| 11/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
|
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i have file numreous complaints on ocwen loan co. for 4 yrs. now. 4 yrs. and you people have let this go on for 4 yrs. now and now we are going to lose our home. i have repeatedly told you that they are practicing improper practices ( for 4 yrs. ) one day this co. will send us a letter stating our app. is complete and the very next day they will send us a letter stating they need something els. not once, not twice, 4 yrs worth. and i know XXXX XXXX doesnt work for ocwen she started the cfpb and she needs to know that you guys are collecting paychecks for nothing. every complaint i have made you send me a letter stating what ocwen says, i know what ocwen says, and what they say is wrong. they are ruining peoples lives and you people are letting them. 4 yrs. to put a family through XXXX is about enough, dont you think so? what if they was doing this to your mother, daughter, brother, sister, you can bet your XXXX would be putting a stop to it then, right? when i first called ocwen for help they told us we must be 3 mo behind before they can help us. we reluctantly did and its been hell from there. we filled out an app. for help and the very first offer they made us was a higher housepayment. thats ok, right? then they drug it out for almost a yr. having us refax, resend, rewrite, redo, whatever it was, they did it.thats ok, right? we found save the dream which helped us for 15 mo. and i honestly thought ocwen would be gone by then for their improper practices. nope, they are still here. so we reapplied, and of course, they started it all over again. well, we lost or cant find this, can you rewrite that, refax, redo. and this is ok, right? 4 yrs. worth. i hired XXXX lawyers, XXXX took our money and ran so i hired another XXXX to get our money back from him and he took half that so here we are that much more behind. one day a relationship mgr. will call us and tell us our app. is complete, 2 days later they call and need something else. not once, not twice, 4 yrs. worth. i have every bit of my paperwork and documentation to prove this and i also have all my paperwork from you guys thats basically says ok, oh well. and thats ok, right? this co. is ruining lives!!!! and no one cares. im going to go to XXXX news and try like XXXX to get our story on there. i thought i was alone before but now i have like XXXX other people ocwen is doing the same thing to. and thats just in 2 days. ill find more. bc obviously i cant do this alone. and no one in the govt dept. gives a XXXX. FOUR YRS OF XXXX. I now have an XXXX, which is due to how your body handles stress. mmm? not only am i now complaining about ocwen i am contacting the XXXX and complaining about you .... im sick of this XXXX. you people do not belong there if your not going to do your job.
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| 08/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
XX/XX/XXXXMy name is XXXX XXXX XXXX. I have a house here in XXXX Hawaii, We bought the house on XX/XX/XXXX when I was married then we refinance it XX/XX/XXXX and then me and my ex got divorce. after we got divorce I been fight to save the house its because its is under my name since XX/XX/XXXX which I did n't know till three months before my ex filed the divorce paper. By XX/XX/XXXX I found out that he never paid for three months and I tried to pay the behind payments all the way till XX/XX/XXXX. Then that 's when the XXXX XXXX has been harassing me calls and soliciting collecting debts. By XX/XX/XXXX I send them a hardship letter stating that due to my divorce I can only afford {$1200.00} a month plus I applied for modification with my hardship letter, they said I wont be qualified for modification because of my income is not enough, and which they accept that payments up until XX/XX/XXXX. They sent me a letter stating they cant accept my payments anymore or not applied to my mortgage so I ask them where my payments went? they put those payments of mine in the fund. Since then I have been fighting struggling and handling their harassment that makes me sick and XXXX, I went hired lawyers to lawyers to find who can help me, but all they do is tried to sell my house. I been fighting for them attempting to foreclose my house for five years. I seek help form the mainland thought they could help me. Then I found this XXXX XXXX who did a research of my mortgage and they found out some rebo-signing and records about my mortgage. They keep on transferring servicer company from XXXX XXXX, to XXXX now Ocwen. I have a consultant that helping me as under writer that do all the response letter and filing to response the motion from this company that represent the XXXX XXXX XXXX XXXX. Now I am in schedule to appear in court again because they want me to sign the approval that the Judge here in XXXX trying to give judgement to the Plaintif XXXX XXXX XXXX XXXX XXXX, as a Trustee for XXXX XXXX XXXX XXXX XXXX which was the XXXX was filed Bankcrapcy on XX/XX/XXXX. Thas is what we are trying to prove that all of this mortgage matter of my house is falsify. Now the XXXX XXXX XXXX who representing the XXXX XXXX is trying to foreclose my house where I am trying to fight and save my house I do n't want to sell it. I am writing you to to help me. I am fighting for my rights my future and for my kids. PLEASE HELP ME OR SOMEONE HELP ME.. before its two late. We have proof documents that we needed but seems the Judge here is a crook and taking his side to the plaintiff without any further research the fact. I am a simple citizen fighting for my rights. ..so please help me ... I need a urgent help.
Repectfully, XXXX XXXX XXXX XXXX XXXX, HI XXXXel # : XXXX
|
| 05/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had an FHA mortgage that was paid in full on XX/XX/XXXX with Ocwen Loan Servicing. In the payoff quote to the title company, Ocwen Loan Servicing included a full month of interest for XX/XX/XXXX when the loan was paid in full on XXXX XXXX. I waited patiently for over a month for a refund of both my extra month Mortgage Insurance premium, the escrow account funds, and the extra month of interest that was paid @ closing. I also had not received a notice that the mortgage was paid in full, but Ocwen received the funds on XXXX XXXX per my Title company. On XX/XX/XXXX I called to inquire and was told that it would go for research and it would take 2 weeks. A few days later I received a notice giving a breakdown of the escrow account and was told the Mortgage Ins. premium had to be paid for a full month because it was an " agency loan '' and it 's not prorated and a check for the net escrow account was included. I waited the full 2 weeks before calling again on XXXX XXXX about the extra mortgage interest that they collected @ closing for 28 days more than was needed. Again, I was told it was an agency loan and that 's just how it was. I asked for the call to be escalated to management and it was and I was told by the escalation dept. that they would research and contact me in about 2 weeks. I waited 3 weeks and heard nothing so I called again today, XXXX XXXX and was told that there was no refund coming. I informed them of the HUD notice XXXX released XX/XX/XXXX by HUD stating that FHA announced that borrowers who prepay their FHA-insured mortgages will NOT have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule applies for FHA -insured mortgages closed on or after XX/XX/XXXX. This rule explicitly prohibits lenders from charging borrower post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau., for all FHA Single Family mortgage products and programs. I gave the Ocwen the HUD notice number and read the above notice and told them as Lenders they are required to keep abreast of changes that affect their industry. I 'm sure thousands of FHA mortgages paid this year with Ocwen have had the extra interest collected against this policy. I was asked to write a complaint letter and attach the supporting evidence. I told Ocwen that they should have a supervisor check into the new HUD guideline and refund my overpayment of interest in the amount of {$400.00} + interest to me as soon as possible, and that a complaint with the CFPB would be made. This is a rip off of mass proportion as it 's been going on for 5 months so far on the thousands of FHA mortgages they 've done payoffs for this year and continue to incorrectly quote payoff figures.
|
| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
OCWEN LOAN SERVIC E, XXXX XXXX XXXX FL. Paid {$2000.00} from XXXX to XXXX XXXX for Ocwen 3 month payment pla n Agreement XXXX / XXXX / XXXX paper signed for payment plan. late XXXX another paper was signed to accept Modify was ap prove by Ocwen Loan service. paid by ACH wire on XXXX . Ocwen Loan Service . XXXX XXXX letter saying your in default and modify not approve. increase payment from {$500.00} to higher amount. This has been going on Since XXXX to XXXX payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in XXXX , this still not fix by Ocwen..Statements WAS mail 8 time in las t 5 years to fix. My New home in XXXX was bought 1st home b y XXXX XXXX th is for Year , then transfer t o Homecoming, GMA C, Ocwen t ook over XXXX . No w Ocwen r eported to agency that Ocwen m y loan since XXXX XXXX Which is false Agenc y said it was reported by GMAC person ..I wanted my funds b ack if OCWEN is not modify m y loan. THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR XXXX TO XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT XXXX TO XXXX . Ocwen Email : XXXX XXXX , XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , GA XXXX Dear XXXX XXXX : OCWEN receiv ed a payment on XXXX / XXXX / XXXX for the amount of {$500.00}. Sincerely, OCWEN XXXX . XXXX XXXX XXXX XXXX XXXX , FL XXXX ( Do not send correspondence or payments to the above address. ) Dear XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on XXXX XXXX , XXXX and the trial modification plan is now complete. Please allow time for us to finalize the modification. With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter may h ave caused. We will send you a copy of the payment history and you should receive it by email within three d ays. To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is XXXX XXXX XXXX XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC Attention : Research Departmen t XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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We refinanced our Mortgage with XXXX XXXX in XX/XX/XXXX. We were notified that PHH Mortgage, a subsidiary of XXXX XXXX, would be our mortgage servicer. We made our first payment in full for both XXXX ( first payment due after closing ) and XXXX. We then received a notice that our mortgage would be serviced by XXXX XXXX XXXX beginning in XXXX. That letter ( See attached ) stated that our Mortgage balance was {$470000.00} and our escrow balance was {$1700.00}. We then created our account with XXXX XXXX XXXX and made our first payment. A few days later we noticed that the escrow amount with XXXX XXXX XXXX was only {$950.00}. We called XXXX on XX/XX/XXXX to ask where the rest of the escrow went. They told us that PHH only transferred {$950.00} to them when they transferred the loan. We then called PHH to find out where the missing {$580.00} had gone. They informed us that they made a PMI payment in that amount on XX/XX/XXXX. We told them that should not have come out because they took out PMI from our XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) already. Further, they did not issue any statement indicating where our money had gone. We have since received a typed letter simply stating that they made two pmi payments to XXXX XXXX XXXX XXXX in XXXX. ( see attached ) We called our current servicer, XXXX XXXX XXXX to tell them what PHH told us, and they said that as of XX/XX/XXXX the PMI company showed that our account was only paid through the month of XXXX. This means that {$390.00} ( 2 months of PMI payment is missing ). Our new servicer, XXXX, also took out our regular $ XXXX payment from our XXXX mortgage payment.
From our calculations the mortgage and pmi paid so far should be as follows : XXXX PMI {$190.00} paid to insurance company on XXXX XXXX covers arrears for XXXX XXXX PMI {$190.00} paid to insurance company on XX/XX/XXXX, XXXX covers arrears for XXXX XXXX PMI {$580.00} paid to insurance company ( according to PHH ) XX/XX/XXXX, XXXX This amount should cover XXXX XXXX arrears ), pre-pay XXXX, pre-pay XXXX.
XXXX PMI {$190.00} paid to insurance company XX/XX/XXXX ( by XXXX XXXX XXXX ) - Should cover XXXX pre-pay if the company received the lump payment from PHH If the PMI was truly paid to the company we should not have PMI come out of our escrow again until XXXX ( to pay for XXXX in arrears ) Attached : Closing escrow statement which shows one month of PMI coming out each month this year ( no where did it say they would make a lump payment at any time ) XXXX and XXXX statements from PHH showing our mortgage payment and the one PMI payment from XXXX The typed letter stating they sent two PMI payments in XXXX The letter of change of servicer we received stating that the escrow that should have been transferred was {$1700.00}
|
| 10/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.
|
| 08/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Please see attached letter.
I recently found out the unpaid principal balance for PHH Account Number was incorrect for the past 4 years after the discovery of an egregious error that would have never been found had I not challenged the HUD Claims that were advised would be included in The PHHMortgage Corporation Loan after completing a XX/XX/XXXX Loan Modification. The unpaid principal balance for the FHA PHH Mortgage Loan Account Number unpaid principal balance was over billed an additional {$21000.00} and PHH Mortgage received another {$21000.00} from HUD! I was grossly overcharged as I suspected! My original loan was {$240000.00} in XX/XX/XXXX. How do I owe $ XXXXand {$61000.00} totaling {$240000.00} as of XX/XX/XXXX?
I received a letter dated XX/XX/XXXX from XXXX XXXX that states theunpaid principal balance for Account Number XXXX is now {$170000.00}.
I previously received a letter dated XX/XX/XXXX from XXXX XXXX thatstated the unpaid principal balance for Account Number was {$170000.00}.
I have also received multiple pay off notices : XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}.
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}.
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$270000.00}.
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$250000.00}.
I have not received a detailed breakdown of every re-applied payment since XXXX through XX/XX/XXXX. There have been too many discrepancies and errors in how my loan modification and loan payments were calculated. I've received numerous calls from PHH Collections advising I owe various balances as high as {$79000.00} and misdirecting me to contact Relationship Managers who are inept in resolving the issue. I was also given direction to speak with a relationship manager for help with paying my loan balance even though I was not behind on my mortgage.
I have paid my mortgage loan amount each and every month since XXXX.
I wasdouble charged {$21000.00} in error and the interest PHH gained for those 4 years were not mentioned in the calculation of the new principal loan balance. I request for the HUD Partial Claims for {$40000.00} and {$21000.00} totaling {$61000.00} be paid by PHH Mortgage Corporation forthe egregious calculation errors and delays made by PHH Mortgage Services in the handling of both Loan Modification Agreements from XX/XX/XXXX and XX/XX/XXXX.
I escalated this issue because I have not received a detailed breakdown of ALL reapplied mortgagepayments from XXXX to current date along with interest accrued from 4 years of being overcharged for the Principal Loan Amount from XXXX Loan Modification Agreement, double billed {$21000.00} and late charges billed that are included in the unpaid principal balance.
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
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Web |
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For the 3rd time in a year that I am coming here about PHH Mortgage. For yet continuing to fail people who are asking for help. They've replied to both prior complaints with good words and then failed to communicate effectively thereby creating excuses to renig both times. Despite my compliance at every turn. In XX/XX/XXXX I was promised an exception to the loan modification but then they backed out by claiming they requested additional documentation they never received.
" At this time, to move forward with the request for a modification exception we require an updated and complete RMA package be filled out and returned specifically asking for an exception be made to the denial on the account. Once we have that we can go back to the investor for approval for the exception. We apologize for any confusion this may have caused you, unfortunately we did not get the request for additional information from the investor until XX/XX/XXXX, after our prior response was already sent. Without an updated RMA package with current financials we can not move forward with the exception request. If you have questions regarding the loan modification, we encourage you to contact the Relationship Manager assigned to the account. '' They have since received this updated information twice ( most recently in XX/XX/XXXX ). I was told I needed to follow up with further documentation which I also provided both times.
When I spoke to an associate at PHH on XX/XX/XXXX I was informed there was no record of the application and proceeded to set an appointment with a relationship manager for XX/XX/XXXX. On XX/XX/XXXX, I called PHH and inquired about the application and that agent was able to locate the application. This same day I received in the mail a notice requiring " additional documentation. '' The same documentation I have sent- to the same address they've provided every time- two other times since XX/XX/XXXX.
So for 3 years now, due to PHH 's complete inept ability to communicate not just with me but within their own departments I am nearing foreclosure. When all I've ever wanted to was to keep my home. I've fallen on hard times with the recent death of my mother along with multiple other hardships these passed few months. But I could have been making payments nearly this whole time had PHH done what they originally said they would done.
As of today ( XX/XX/XXXX ) the house is set to experience foreclosure. But I was assured by PHH mortgage employee XXXX, employee ID XXXX, that in the next 5 business days, the account would be brought up to date with the application I submitted on XX/XX/XXXX and the additional documentation I submitted on XX/XX/XXXX and the foreclosure process would be stopped. I will be following up with PHH next Monday.
|
| 10/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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About 5 months ago I did a refinance with a mortgage company over the phone ... That process was fine. But they transferred my mortgage to an unknown company to me called PHH Mortgage address : 1 XXXX XXXX, XXXX XXXX, New Jersey ph : XXXX ( XXXX ) XXXX.
This is when all the problems started.
My main concern right now is that the way they process payments. I made a phone payment with a rep named XXXX he said they he used my existing card info to make a payment, I got a confirmation number. He said that the funds would be taking out in about 24 hours ... that time has passed and the funds are still in the account.
I called my bank XXXX and they confirmed that there is no activity for withdraw I have been trying to call PHH to see what's going on and can not get anybody on the phone and place on hold for 15mins on average. Now this has spilled into my work and I can not stay on hold with them for this amount of time. So now I have to see why the payment did not go through ... and also make sure that they don't make ANOTHER transaction and double charge my account.
- Web site is very poorly designed, very hard to navigate, they use their own banking jargon that is foreign to me -Payments are not successful, the way the process payments is poor. For example, they have double charged me previously -Very, very difficult to contact during regular business hours you can be on hold for up to 15mins or more, calls drop ... no call backs and they do not keep their word when they said they WILL send documents. I am waiting on a statement to be e-mail that I asked for days ago and still have not got the e-mail.
-Main problems are : The web-site ( online payments ) Communications - Very difficult to get a rep online I am battling a XXXX XXXX illness and this is giving me great XXXX because I have to stay on them because there is no protection for the homeowner and they can add charges ... claim that they didn't get my payment. I am not in default with them but I can see it going downhill because of their processes and miscommunications. When I was with XXXX XXXX I never had this problem, took about 2 clicks to make a payment and done! I made this payment on XXXX XXXX ( online ) and still dealing with it. I just want it to be over with, my XXXX payment is coming up and I am getting the same anxiety ... I can not deal with this every month. I am trying to get a larger company like XXXX or XXXX XXXX to buy back my loan. I have been getting up extra early to contact my bank and mortgage company back and forth, missing out on large parts of my day, and XXXX XXXX by the end of it ... But I can not get tired or slip, because things can get out of control.
Next goals : see the funds transferred get a new mortgage company ASAP!!
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| 02/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mother had fallen ill in XX/XX/2016 and subsequently passed in XX/XX/2016. I had missed some time off work under FMLA and as a result my mortgage fell behind but I was keeping up with the payments just enough to avoid the property going into foreclosure so I could catch up later.
On XX/XX/2016, as I was driving, I phoned my mortgage company to check on the last date I could make a payment to avoid my property going into foreclosure and was told my one of their relationship managers that I had until XX/XX/2016, to make the payment. Because there was a language barrier, I asked her three separate times to make sure I understood the exact date and she told me three times that I had until XX/XX/2016, to make the payment. On XX/XX/2016, I attempted to make the payment online and could n't. I then phoned the company and informed another relationship manager that the computer was n't letting me make a payment and he informed me that I had missed the 89 days and would have to make the complete three month payment in order to bring the loan current. I told him I was not even aware of any 89-day rule and he said the relationship manager I had previously spoken with was supposed to inform me and I told him she had not or I would have made the payment with her over the phone that same day while I had her on the phone.
I then contacted the mortgage company 's Resolution department to have the call pulled. They said they pulled the call but later told me they could not provide me any information on their findings. I explained the situation and complained that their staff had given me some mis-information which caused me to miss my deadline and therefore send my loan into the foreclosure status I was trying to avoid.
I filed a complaint and after many many weeks, I was giving the opportunity to apply for a loan modification. This process took several months and they took their time about requesting the necessary information from me in a timely manner and seemed to be stalling. This eventually caused me to miss the deadline for getting the " Making homes affordable '' plan at the end of XX/XX/2016. Now my loan modification has been approved but the note is almost doubled from what I was paying before which is causing me another hardship and which could eventually lead to me losing my property.
I was initially lied to and manipulated into making my payment after the allotted time so I would be forced into foreclosure. I was also denied the findings of the phone conversation. I have documented each and every call I 've made to the company. Prior to my mother falling ill, I had not made any late payments on my mortgage. I even made double payments a few times. Their mis-hap has also caused my credit to be affected negatively.
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| 01/12/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.
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| 12/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I tried for 46 months to get a loan modification with XXXX and Ocwen. I had a sincere desire to get something done, but at every turn it seemed like the lenders did n't really want to help me. I got excuses, from " you did n't send in all the paperwork ( which I did multiple times ), to we lost it, to you did n't get it in on time so you 've got to start over. '' I never would have been that far behind on my loan had the banks given me what I deserved when I first asked for it. My loan originated with XXXX and was a ridiculous 9 % interest only loan, which I have been told is considered PREDATORY. After 46 months and no sign of help from Ocwen I finally had to hire a law firm to try to get me a deal and make sure Ocwen did n't just sell the house out from under me. The law firm did get me a modification, but it does n't take me out of hardship. While the lender did lower my mortgage payment, the payment is still 52 % of my gross monthly income. According to the HAMP guidelines, I was under the impression that my lender was suppose to lower my mortgage payment to between 31 % and 38 % of my income, but they did n't do that. To top it off, they have thrown a $ XXXX baloon payment onto the back of the loan. They sent an appraiser over to appraise the value of the house and he did n't even come inside. They are trying to say that my house is worth much more than it is. While there is a mansion with all the best materials that sold down the street for $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ) recently, my house is only similar to that house in square footage. Another house in the neighborhood which is a lot more comparable to mine XXXX XXXX XXXX XXXX XXXX just sold for $ XXXX. According to the lender I owe them over $ 740K, but they did not reduce my balance because they are trying to say my house is worth much more than it is. While I am grateful to get anything after 4 years of going through XXXX with my lender, I have XXXX kids and simply can not afford a {$3100.00} payment on {$6000.00} in gross income. My hope is that you will investigate this matter and at the very least force my lender into giving me a fair deal so that me and my family do n't have to move. I believe they could have lowered my payment further if they were n't trying to deceptively and artificially raise the value of my home. I also believe the $ XXXX baloon payment is obnoxious and unethical. Is n't the point of these programs to give the homeowner a fair shake so they do n't have to ask for assistance again in the future? 38 % of my gross monthly income is $ XXXX/month, so how can the lender justify a {$3100.00} payment? I want to keep my home, but I also need to feed my family and pay for bills. Please help me get a fair shake with Ocwen.
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| 02/13/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I bought my home with an FHA loan and it is with Ocwen. Ocwen is a bad company, they are terrible at communicating, they transfer me to XXXX and I talk to people who are hard to understand. They won't tell me what is going on with my homeowner assistance request and send me threatening letters about how they are going to sell my home. They are ignoring me and will not open up a review of my current financial information or assign an account manager. I have told them that things have changed with my financial circumstances but they don't seem to care and are just marching to foreclosure. I want to fix this and have enough income to make the mortgage payment now but need them to work with me.
I bought my home in XX/XX/XXXX with an FHA loan backed by HUD that was with XXXX, then XXXX and has been with Ocwen for the last few years. I worked in steel fabrication management for over 30 years and made a solid living and had no issues with any bills or mortgage payment until my vengeful ex-wife got into my bank accounts and literally stole everything that I had in XX/XX/XXXX. This was a shock, I had no money to pay any bills and defaulted on my mortgage. I began borrowing money from friends and relatives to try and get caught up and was making double payments to Ocwen to show good faith., I ended up having my wife arrested and she went to jail for her actions. Just when I thought I was getting caught up on things I suffered a XXXX XXXX and was out of work. When I was ready to come back I was laid off.
I tried to find a job in XXXX XXXX XXXX but due to my age I was not able to find that type of role. I ended up taking a security guard job at XXXX. Although I make less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am certain that I qualify for loan modification, partial claim, special forbearance or even a repayment plan. However, instead of opening a new review and assigning a point of contact, Ocwen has chosen to put me in foreclosure and set a sale date.
I was told that Ocwen is REQUIRED to conduct a review of the current financial information and allow me to be considered for these programs. I don't know why they have failed to offer this to me, why they have failed to assign a designated point of contact. I don't know why Ocwen will not communicate with me, and instead chooses to harass me with threatening letters. I want to fix this, I want to pay, but a review needs to be conducted. I can make a mortgage payment and can address the late payments as well if Ocwen would just give me the chance.
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| 09/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XXXX we modified our loan and we were put in a " Shared Appreciation '' Agreement as attached. We understood at the time that what this meant was that they were " forgiving '' a portion of the " Principal Balance '' at the time and that the " New Principal Balance '' during the trial period ( which was only through XXXX/XXXX/XXXX ). We then understood that the modification became permanent and that out of the " New Principal Balance '' of {$280000.00}, {$170000.00} would be forgiven over 3 years commencing in XXXX. The agreement states that the portion of the New Principal Balance that is not deferred, shall bear interest " The Interest Bearing Principal Balance. '' That was {$110000.00} at the rate of 2 % interest and began accruing on XXXX/XXXX/XXXX. We want to sell our home and we called Ocwen today and spoke to two gentlemen, one who cut us off and another who stated " although we forgave the " Deferred Principal Balance '' of {$170000.00}, if you sell the house you would be responsible to pay 25 % equity ( if any ) up and above the " New Principal Balance '' ( described above ) which was {$280000.00}. We argued that this is not what the agreement said but rather it said it was based on the {$280000.00} instead of the {$110000.00}! We argued some more and he then said actually it is the total you refinance the home for in XXXX which was {$390000.00}! We then said you did not forgive anything! We can never sell our house then and it will never, ever be worth {$390000.00} and it will likely be years before it is worth {$280000.00} as it stands right now ; it is worth at the most about {$220000.00}! We believe that if they said that {$170000.00} was forgiven ; it really was n't and especially if they are saying that they go back to the original loan amount of {$390000.00}!
Please see the attached agreement which again states that " Maturity Date The Shared Appreciation amount, if any, at the Maturity Date shall be 25 % of the difference between the Valuation of the Property as of such date and {$110000.00} ( the Interest Bearing Principal Balance '' as of the Modification Effective Date ( emphasis added ) less any credit determined by Servicer for Subsequent Capital Improvements and any amount of appreciation in excess of Deferred Principal Balance. '' When we pulled these documents up on their website today, they had the wrong Modification Agreement attached with Notary Signatures also.
Questions : Was {$170000.00} really forgiven? It does n't sound like it to me.
Why would we be told this reverts back to the original loan of {$390000.00}? This is absolutely no where on the Agreement.
We kept asking about reduction for " Capital Improvements '' and they did not firmly state that applies!
Thanks XXXX
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| 09/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have been fighting to get a modification on our loan since XX/XX/XXXX originally with XXXX XXXX XXXX XXXX.. long story, short, they did nothing until we filed complaint with BBB and finally offered a modification, which was n't great but we did not want to lose our home. We signed, paid them XXXX that did not go to fees, principal or anything at all and for 3 months all was fine ... then they breached the modification and said they made a mistake with escrow amount and the monthly payments went up approx 2k per month, which is the amount they knew we could not afford. We ended up in litigation with a Consumer Protection attorney for 5 years until XXXX was forced to cease operating by the US Justice Dept for disreputable practices. Our loan was then given to Ocwen, of which we have been trying all over again to obtain a real modification since XX/XX/XXXX ( 11 modification packages so far ) ... to no avail. Same thing all over again. We send documents over and over ... some lost, some ignored ... then a few months ago while getting another modification, we also are served foreclosure documents. We hire a lawyer and so far have been sent 2 more modifications ... we ask 2 key questions regarding the terms and they refuse to answer, then say the modification is being " pulled '' because we did n't sign and send money immediately. How is that legal ... do we not have the right to ask questions regarding legal terms that will be binding if we sign? Our attorney had a few conferences with the Judge in XXXX XXXX County, who he says simply feels we should sign anything they give us as we have n't paid the mortgage ( which we have been trying to work out since XX/XX/XXXX) ... There is a trial date set for the end of XX/XX/XXXXand we are told if we go to trial we will lose. So we are being sent another modification package and pray we will be given anything to modify, despite all reservations about the murky terms, principal deduction, balloon payments, etc we have already been advised of. Ocwen is no different than XXXX. We understand they are being sued currently for disreputable practices by 22 states as well as CFPB. We need help. We need guidance. We do not intend on losing our home. We have been working towards a solution with XXXX and now Ocwen for almost 9 years ... the truth is that they deliberately give us the run around ... and do not ever really want to help to modify a loan. I think their aim is simply to foreclose no matter what. Please help us. We can pay a mortgage, we want to work this out and to be able to even sell in the future if need be. Right now we can do nothing but continue to let attorney deal on our behalf, but are losing faith in that too. Thank you in advance for any help you can offer.
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| 01/29/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX I applied for a home modification on my existing house through Ocwen. We were approved for the loan modification and the terms were as follows. For three months we had to make a payment of XXXX, and then the modification would be complete. I sent all the paper work including check stubs for my husband and my self. On XX/XX/XXXX the first payment of XXXX was paid. On XX/XX/XXXX the second payment was paid. On XX/XX/XXXX the third payment was paid. In XX/XX/XXXX the loan modification was denied in the form of the letter. We received no correspondence or phone call to let us know. I called Ocwen and asked why we were denied. They said that we had put a wrong date on the agreement form. I explained that we sent in the correct form sighed and sent them an email of the date it was sent. They said that the date on the paper not the email was wrong. They refunded the XXXX payment and did not inform me that the XXXX was sent back until after I had called in XXXX. I appealed the denial decision in XXXX with the escalation department so that I could pay my payments and keep my house. Ocwen denied the appeal. In XX/XX/XXXX I applied for the lone modification again, sent in all the paper work with correct dates and signatures. Ocwen waited until the beginning of XX/XX/XXXX and when I checked the website, ocwen needed more information about our pay. I was in the process of getting the information needed and then I was told that it had been denied by Ocwen. Ocwen told me that I had to reapply so on XX/XX/XXXX I reapplied. Ocwen said it would take around 5 to 7 days to review my modification application. I called Ocwen on the XXXX, XXXX, and Ocwen said it was still in processing. I called back on XX/XX/XXXX to ask about the modification progress only to be told by Ocwen that the foreclosure had been completed on XX/XX/XXXX. I called again on the XXXX and XXXX to see if I could save my house and got the same answer from Ocwen that the foreclosure was completed on XX/XX/XXXX. I was transferred to XXXX. which is Ocwen 's realtor and they could not tell me anything, they told me I needed to email XXXX to find out about my house. I emailed XXXX and asked if they could help me save my house but XXXX informed me that they no longer had my house. They said it had been sold to the XXXX XXXX XXXX XXXX. I tried calling them to find out who had my house and no one seems to know. I called the HUD housing and they can not see who has my mortgage. Today is XXXX and I still do not know who has the mortgage. Myself and my XXXX children are still living in the house and have no other place to go. I wanted to get in touch with whoever had my house to see if I could make arrangements to get it back. Please help me! Thank you.
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| 08/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided.
- Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion.
- A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date.
- On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days.
- On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us.
- On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company.
- On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month.
- The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.
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| 08/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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Received foreclosure notice in XXXX 2015 from Ocwen, during the same time that I underwent a XXXX ( XXXX XXXX ) .The house was scheduled for auction XXXX. I submitted the modification package as well as all requested documents by fax on XXXX XXXX. Ocwen stated there were documents missing, which I emailed twice and uploaded directly to their website. They then said it was too late to stop the foreclosure, but then stated they would send an email and try to stop it. I was told this on XXXX XXXX, XXXX, and XXXX. On the XXXX I was told to call the morning of the XXXX, which was the sale date, to see if the sale was stopped. My daughter called and was told it was too early to tell and to call back later in the day, and that the agent would also call us when he knew the status. We checked the website later that day and it now stated that the modification was in review. The agent called my daughter on XXXX to also advise the sale was stopped and the modification was in review. I received a letter dated XXXX stating the same. We have been checking the website daily to see the status and it still, as I type this, says it is in review. However ; I called last week to check status and was told the property is now real estate owned. My daughter immediately called the local assessors office and was told the deed was still in my name. My daughter spent hours on the phone with Ocwen, left messages with the real estate owned division XXXX, which still have not been returned, and finally spoke with someone who looked into the account and could see something was wrong. The agent said Ocwen has XXXX systems and XXXX said the loan was in modification review and the other said it was real estate owned. The agent stated that on XXXX there was a note stating the foreclosure did not go through and the loan was in review. The agent advised my daughter she would call her Monday, XXXX, with a status update, which she did not make, My daughter left her a message which was returned today, in which the agent advised the house is real estate owned. She said the modification had been denied XXXX times, and my daughter tried to explain that they were denying it because they were saying there was documentation missing, which is why the actual review did not start until XXXX. She also mentioned the letter dated XXXX and the fact that the website still says we are in review, but was met with an unconcerned response. She also mentioned we have received no documentation regarding a sale, or a modification denial. They are saying there was a sale, but we are unable to find any record of this sale with the register of deeds. Please help. We have had this house for 29 years, my daughter and her family live there and have nowhere else to go.
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| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX I have been trying to resolve this matter for over a year. XXXX XXXX asked me to help reconcile his account and I sent an email to customer care on XX/XX/XXXX. The email I received stated that he needed to give written authorization, which he did on XX/XX/XXXX. He died on XX/XX/XXXX. No one ever got back to me. I was told that I needed letters testamentary to get any information regarding the account.
The probate process is long, and I received letters on XX/XX/XXXX. I contacted them again on XX/XX/XXXX. Their response on XX/XX/XXXX stated that my information would be forwarded to the appropriate department for review and processing. It never stated they had filed for foreclosure. I sent another email on XX/XX/XXXX requesting information because I had not heard from the company, and I learned that the property was being foreclosed on even though it was still in probate.
They never properly informed me on this matter. No timely information was sent to resolve the matter before it was sent to foreclosure. In doing my research a letter was sent to me and the deceased at his property address on XX/XX/XXXX giving him 30 days to dispute. However, 2 days later a foreclosure in XXXX XXXX was filed on XX/XX/XXXX even though they knew the property was in probate. Then a duplicate letter was sent to me at the deceased address on XX/XX/XXXX. This seemed like a bad faith attempt. All letters addressed to me should have been sent to my address. When I contacted them on XX/XX/XXXX this was within the XXXXday period of the XX/XX/XXXX letter, so a foreclosure should not have been filed. Their responses to me should have included the fact that they prematurely filed for foreclosure, so I do not feel that those fees are warranted. I asked for a waiver of the fees, and I never received a response to my request. The account was reinstated and I still have not received notice of cancellation of the foreclosure.
I received the XXXX statement with assessed expenses of {$2400.00} and no explanation. When I called, I was told to look at the transaction part which had an assessed expense of {$100.00} for attorneys fees on XX/XX/XXXX but no other explanation. Customer service told me that they sent a reply to my waiver request to an XXXX XXXX XXXX instead of my office address or even the property address.
It is unfortunate that no one is taking accountability for the multiple mistakes made in reconciliation of this account. No one seems to have any authority to give me requested information and correspondence is continually being sent to the wrong place even though my information has been given to you multiple times. Extra fees are still being added to the account.
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| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork.
Sometime between XX/XX/XXXXand XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off.
Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly.
Both XX/XX/XXXX and XX/XX/XXXX are wrong. But, specifically XX/XX/XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX.
How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork?
How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company?
This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital.
We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct.
We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
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| 05/18/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been trying to have been trying to get a short sale offer reviewed for several months now. Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of XXXX to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by XXXX agent ID : XXXX that file again has been closed out and NEVER reviewed by XXXX . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue. Please see below my calls with several agents AND a Supervisor Spoke to XXXX Agent Id : XXXX Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet. XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX Spoke to XXXX XXXX Agent ID : XXXX He let me know that the file was submitted to XXXX and the review should be completed today. to Follow up tomorrow. XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX Spoke to Ocwen XXXX Agent ID : XXXX As of XXXX XXXX a request for the file to be reviewed by XXXX team was out in. They now do n't have a sale date in their system so XXXX sent the XXXX an email to review. she said we should have an update w ithin 24-48hrs. XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX Followed up with XXXX li en Ocwen. I Sp oke to supervisor XXXX agent ID : XXXX their system was not updated with new sale date for XXXX XXXX and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to XXXX team for decision. I was told to fo llow up 24-48hrs. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke to XXXX Agent I D : XXXX from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the XXXX and that the file would be resubmitted. He wants me to follow up Thursday XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the XXXX . I have another appointment with the relationmanager tomorrow @ XXXX ( XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX file is complete can take 3-4 business days for decision. have an appointment t for XXXX XXXX XXXX
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| 04/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Caught up in the sub-prime mortgage and the housing market crash, my mortgage has been tossed around to finally land with Ocwen loan servicing for XXXX. Due to the loss of employment XXXX for my boy friend, who contributes to half of the mortgage payments, and my job loss a couple years after, we have fallen behind in our payments. Starting in XX/XX/XXXX, Ocwen started refusing partial payments from me and ( sort of ) started the modification process that has been going on since XX/XX/XXXX and continues today.
To summarize, from a time line I have compiled on my mortgage situation, I offer the following information : Summery : XXXX Modification Packets sent to Ocwen between XX/XX/XXXX - XX/XX/XXXXXXXX phone appointment re-scheduled by Ocwen XX/XX/XXXX-XX/XX/XXXXXXXX ( possibly more ) requests for additional information on my second employer.
XXXX Relationship Manager changes.
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification.
Over this time the late fees, photographing the property ( which is only an image of the corner of our garage from the road ), un-realistic property value comp and a random fee for modification request back in ( I believe ) XX/XX/XXXX, that was not stated on any of the forms has been added to my debt to Ocwen.
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear.
Every time Ocwen requests a bit of information it is not always what they really need. They seem to communicate with out clarity. So I may send what they asked but dates will be wrong and then I have to fix that information. And so it goes around and around. I have gone through a local agency, XXXX XXXX ( XXXX XXXX ) who were a big waste of time and not helpful. I also talked to a finance councilor, who after giving them all the information the Ocwen has, told me that we should be all set for a loan modification.
A friend led me to your organization and I trust you can help. Thank You. XXXX XXXX.
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| 09/27/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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XXXX Mortgage Help/complaint When Covid lockdown started I liked everyone else was out of work and needed mortgage help. I applied for a deferment for my loan with my company PHH and asked that 6 months be placed at the back of my loan because I would be out of work due to quarantine. My lender said no problem sent me the forms out, telling me the spots Id need to fill out. I did as directed on the phone, submitted the paperwork and was told Id have a Phone appointment with a supervisor to process my request.
That next phone appointment I was told via the my paper work was missing a date, and that Id need to resubmit all of the paperwork and then get another Phone appointment, i asked for a supervisor, explained I just needed the 6 mo of reliefs and that I was soon heading back to work. They still made me resubmit the paperwork for a date. At that time I also tried to make a full mortgage payment, when they told me would be accepted. A week later it was returned to my bank.
I refilled out the paperwork out, made sure all the dates had been filled in, and waited for another Phone appointment to get the deferment applied to my account. At that next phone appointment I was told I missed the XXXX in my middle name and that I would need to resubmit the paper work, at that time I explained Its now 6 months, Im heading back to work and that I didnt need more time I just needed that 6 months moved to the back of my loan, and My ability to make payments reinstated. I was told they wouldnt be able to take any payment with out the deferment being processed and that Id now need to apply for another 6 month extension because I didnt finish the paper work as expected.
I asked for a supervisor, was told that they didnt have one. Was told Id need to redo the paper work, at that time I sat in the phone for an hour with the process person, filling out each area with this person on the phone with me. At that time I was set up with another phone appointment promised that this time it would all be handled, that my paperwork was complete. They ended up saying that I had missed my social security number In the paperwork which was clearly filled out In the paperwork I had in my hand.
At that time they started booking phone appointments for weekends and not even calling at the appointment time, but emailing me to say I had missed it when I hadnt, i again tried to make a mortgage payment and had it again returned. After dozens of meaningless/ waste of time appointments im over it and need to fix this asap.. they're obviously delaying this whole process on purpose so that I can loose my house.. please help.. thanks in advance XXXX XXXX XXXX XXXX PHH MORTGAGE My Email XXXX My address XXXX XXXX XXXX XXXX CA XXXX
|
| 12/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
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US Bank has failed to answer my questions and provide the documentation as we requested per our complaint with the CFPB, XXXX. US Bank forwarded this complaint to XXXX XXXX XXXX which XXXX also failed to answer our questions and provide the documentation as we requested. Since this occurred, we are exercising our right to re-submit another complaint against US Bank. Failure to comply will result in more complaints filed until we get the answers that we are seeking. Now, per US Bank, role of the trustee, ( US Bank own submission ) US Bank holds an interest in the mortgage loans for the benefit of investors, maintains investors/securities holder recorders, collects payments from the servicer and distributes payments to the investors/security holder.
Now, we are requesting the following in writing ; 1st, we request to know what was the date our Note/Deed of Trust was transferred into the trust, XXXX Mortgage Loan trust XXXX which US Bank is the trustee for?
2nd, we request documentation on the investor who US Bank N/A provided the certificate too at the time of the transfer into this trust/securitization?
3rd, since XXXX, our original lender in 2006, which certificate holder/investor has US Bank N/A been sending our monthly mortgage payments to for our property/Note?
4th, what were the payment amounts that US Bank has sent to the investor, investors or certificate holder?
5th, what were the dates of these payments made to the investor/certificate holder?
6th, does US Bank know where the original Note and the Original Deed of Trust is located at? If so, where are the original Note and original Deed of Trust located at and with whom?
7th, does US Bank know where all the assignments that was provided to each investor of our mortgage loan? If so, where are these assignments located at and with whom?
8th, is US Bank fully aware that XXXX failed to track assignments for our Note/Deed of Trust so XXXX would not need to record transfers from one investor to another?
9th, since XXXX did not record any assignments and failed to keep track of assignments from one investor to another, does US Bank know why XXXX failed to do their job correctly?
Please answer the above questions in writing and provide documentation! Now, due to the fraud that has occurred by the companies that are handling our mortgage loan, this information does in fact pertain to our mortgage loan and we have the right to have to this information. Failure to comply must result in the following but not limited to the following ; a full investigation from a federal agency, fines being imposed, loss of business license, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish, and emotional distress.
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| 06/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I ordered an appraisal for myself in XXXX of XXXX. When the appraisal came back I realized that the value was high enough to have PMI removed. I called PHH and asked how the process worked. They sent me a letter in XX/XX/XXXX with what I needed to do. Once I received the letter I called PHH again and spoke with XXXX to see if I could use my own appraisal. I was told that I could send in my appraisal and would be able to use it. I sent my appraisal to XXXX on XX/XX/XXXX. After waiting a week I called to make sure they received it. I was then told that they dont allow you to use your own appraisal. After going back and forth with different people for weeks and weeks because you can never speak to the same person and always end up getting transferred, I was always told different answers by different people. Yes you can use your appraisal, no you cant use your appraisal. I finally gave up and stopped pursing the issue. After waiting a while I was still frustrated that nothing got resolved and I was still paying PMI know the value of my home. I called PHH again in XX/XX/XXXX and request PMI be removed. I received their letter on XXXX XXXX stating the process. I called PHH to request a list of appraisers that they use. During this phone call I spoke with a customer service lady who stated that I should have been able to use my appraisal when I sent it in XX/XX/XXXX. She transferred me to XXXX an escalations manager XXXX who also stated I should have been able to use this appraisal back in XXXX. He told me he was going to get to the bottom of why my appraisal wasnt used and get me a list of appraisers that PHH uses. He said I would hear from him in 3 business days as he put a rush on my request. This all happened on XX/XX/XXXX. After not hearing back from XXXX I called back to PHH on XX/XX/XXXX and spoke with a customer service rep who was rude and was no help! She told me she could not transfer me to XXXX and that I would need to order and appraisal through them with the form I received in the mail. I told her I wanted to speak to XXXX. She said she would put a request in for him to call me. Again, everyone has a different answer and my issue cant be resolved. I have been dealing with this since XX/XX/XXXX and in the meantime am paying {$120.00} a month in PMI that I should not be required to pay. I received an auto email on XX/XX/XXXX that I need to allow sufficient time for my questions to be answered. I think 10 months is sufficient enough. On XX/XX/XXXX I was told my appraisal was older then 90 days. Well yes, now it is, but it wasnt when I sent it in XXXX of XXXX with my original request. Why was it not reviewed and used then!? I want answers and am extremely dissatisfied in this company.
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork.
Sometime between XX/XX/XXXX and XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off.
Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly.
Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX.
How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork?
How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company?
This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital.
We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct.
We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
|
| 07/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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To Whom it may concern : I am writing to file a complaint against Ocwen Loan Servicing , LLC in connection with the denial of a loan modification submitted as part of the National Ocwen Settlement ( https : //nationalocwensettlement.com/ ). After submitting all requested paperwork to make a settlement claim for modification of the mortgage on my primary residence, I received the attached denial letter from Ocwen. The denial states as follows : '' We are unable to offer you a Home Affordable Modification because : The Owner of your loan does not allow modifications. Please note, not all eligibility factors were evaluated.
We are unable to offer you a Shared Appreciation Modification because : Unfortunately, the owner of your loan does not allowloan modifications. Please note, not all eligibility factors were evaluated.
We are unable to offer you a proprietary modification because : Unfortunately, the owner of your loan does not allow loanmodifications. Please note, not all eligibility factors were evaluated.
According to our records, XXXX XXXX XXXX XXXX XXXX, As XXXX For XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage-Backed Pass-Through Certificates Series XXXX is the owner of your loan. " For the past four years, I have attempted to modify the mortgage on my primary residence located at XXXX XXXX XXXX XXXX XXXX, WA XXXX.
During the recession I lost a job in a field I 'd been employed in for over 20 years.
My husband is the owner of a restaurant and had also fallen on difficult financial times in XX/XX/XXXX.
I put 20 % down on this property and never refinanced.
I made my payments and we had money saved.
We depleted all of our retirement and savings in a 1 1/2 years, between having to loan money to the businesses and keeping our bills up.
I contacted the mortgage company at the time and went to a foreclosure counseling, provided by the lender.
I brought all documentation.
At that time, I was told I was a prime candidate for a mortgage modification. There was never any disclosure made to me that my loan prohibited modification.
To date, I have submitted at least XXXX MOD packages that I can account for.
I am now facing a foreclosure lawsuit initiated by the lawyers for Ocwen in the name of the trust. A summary judgment hearing is scheduled for XX/XX/XXXX and I have yet to receive any response to the appeal filed in connection with my modification request made pursuant to the National Ocwen Settlement.
I am XXXX years old and I do not want to lose my home. I 'm ready, willing and able to make mortgage payments on my house. I 'm hopeful that the CFPB can help me with a settlement claim so I can keep my home.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PHH Mortgage has deceptive practices that prevent customers from paying their bills in advance. Here are the facts : I recently refinanced my mortgage, in which my loan was sold from XXXX Loans to PHH Mortgage ( hXXXX XXXX XXXX ) in XXXX. As I am vigilant about paying my bills, and often pay my mortgage in advance, I was concerned when after making my first payment with PHH through their mobile app, I was no longer able to pay my mortgage in advance through the app, as I received an error message stating " You are not eligible to make a payment at this time '' and prompting me to call XXXX. I immediately called the company and they informed me that the error would go away as it was only there because I just made a payment and it was still processing. A few weeks went by and the error message did not go away and it did not allow me to pay my mortgage in advance, which is a major red flag as I never had this issue ( preventing me from paying the mortgage ) with any other mortgage company that I have had ( XXXX XXXX XXXX and XXXX Loans ). I called them back again and this time the rep told me that I could not make electronic payments in the app until I signed an amendment, which he would mail to me, a detail that was not provided to me when I initially called a few weeks earlier when I first saw the error message. I also asked for the amendment to be emailed so I could get an electronic copy of the amendment, which he said he would do. Fast forward a week later, no email, no amendment in the mail and I am now getting closer to the due date for the mortgage. I called PHH again on XXXX. XXXX, and this time, after stating that I never received the amendment, the rep said to give it more time for it to arrive in the mail. I then noted that I got other promotional emails from PHH but none that included the digital copy of the amendment they would be mailing. When I asked for them to email me a copy of what they allegedly mailed to me, they told me they did not have a copy in their system. Another red flag as I would imagine all customer communications need to be documented especially for an amendment which they make appear to be a standard requirement for all customers to sign. As of XXXX there is still no resolution, which is why I am filing a formal complaint as I am concerned PHH Mortgage is executing deceptive practices with its customers in order to prevent them from paying their mortgage in advance and currently putting me at risk for not paying my bills on time. I also just discovered that as of XX/XX/2021, this company has a class action lawsuit against them in connection with unauthorized servicing fees, seems like this is another deceptive practice that should be investigated.
|
| 04/17/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX XXXX XXXX XXXX in violation of CFPB Consumer Laws and Regulations CFPB Deceptive Acts or Practices Definition : ( XXXX ) The representation, omission, act, or practice misleads or is likely to mislead the consumer.
Loan Type : XXXX XXXX XXXX XXXX Claim No.
Complaint : We received a loss draft insurance check in the amount of {$33000.00} from our XXXX XXXX for internal home water flood repairs that occurred on XX/XX/XXXX. Check was issued to both us, and PHH Mortgage Services and requires signatures from both parties. On XX/XX/XXXX, I spoke with XXXX, a PHH Mortgage Officer in regard to having the check endorsed and she informed me that any amount under $ XXXX would be endorsed & released in full by PHH. Per XXXX 's instructions, I forwarded the check to PHH Mortgage Services, Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX for endorsement.
PHH received the check on XX/XX/XXXX, and refused to endorse and returned it unendorsed. On XX/XX/XXXX, I spoke with XXXX, also a PHH Mortgage Officer inquiring on XXXX endorsement refusal and she confirmed all loss drafts under $ XXXX would be endorsed a & released. Again, on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage Officer and she also confirmed that under $ XXXX statements were accurate. Finally on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage XXXX and he confirmed through XXXX XXXX XXXX monitored for quality assurance and training purposes, confirmed that the statements made by PHH Officers XXXX, XXXX, and XXXX were indeed made. Upon this confirmation by PHH Officer XXXX, I again forwarded the check to PHH for endorsement which they received on XX/XX/XXXX, and once again was denied and returned unendorsed.
This act of verbally misleading us is considered a deceptive act and is in violation of federal and state laws and regulations, that have caused my family much XXXX XXXX XXXX XXXX XXXX. Here we are today XX/XX/XXXX, over XXXX months after the fact and after uncountable and numerous phone call conversations, written letters, and pleading with PHH officers on the urgency of our situation, we are still inconvenienced without completion of repairs.
PHH Mortgage Services has a history of numerous unethical violations that have harmed consumers as this article exemplifies ; CFPB Takes Action Against PHH Corporation for Mortgage XXXX XXXX, dated XX/XX/XXXX.
Summary As long-established homeowners of this property, our objective is to facilitate the long-delayed repairs, avoid any further PHH violations, have the necessary funds on hand to complete the repairs, get our family home back to normal, and upon completion grant PHH Mortgage Services access for final inspection and approval.
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phh mortgage/Ocwen/Homeq had to hide charging us late fees somehow. So they put a fake account number on our credit report.
We never paid late and never wrote a check.
I will attach my credit report showing the fake account number and NEVER LATE. But do they charge fake late fees? Yes! Look at the credit report showing never late but thousands of dollars in late fees. They need to be behind bars.
Also, I will attach my deed that shows you I do not have a day during the month that payments are due. I also do not have a NSF fee or policy. So they illegally charged me thousands and thousands of late fees and NSF fees when I have never written a check to them ever. I have asked for the proof of these NSF checks that we were charged thousands for and no one will respond. Because they are fake fake fake. We were charged fee after fee after fee illegally. It is on this website if you are going to enforce it then you must prove it. I have waited for 2 months for these so-called nsf checks and they do not respond. I am filing for identity theft against them for the credit report. Now they are retaliating against us and stating we have to pay them XXXX more a month. They don't say why just put on the front of the screen you owe us XXXX more a month starting XXXX. I am filing retaliation as well. Can someone on here please help us? They are scam artists.
Look at this credit report with their fake account number. Our account number is XXXX. It has been that number for 15 years! Look at the XXXX. Such a scam! Do you see any late payments? Look at my statements and there are thousands of them. We can do this all day long but I am right and they are wrong. You do not steal from people. It is wrong people. We didn't deserve it. You made us lose faith in humanity the way you callously steal and think it's okay. Its not!!!!
HOMEQ SERVICING XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$93000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : {$0.00} Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$91000.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1700.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 10 Creditor Classification : Activity Description : n/a Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Comments : XXXXMonth Payment History
|
| 03/07/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying since XX/XX/XXXX to get this recitified [ Note : from XX/XX/XXXX-XX/XX/XXXX, i had several health issues that were present and known about by ex, courts, lawyers, XXXX etc. ] In divorce ( XX/XX/XXXX-XX/XX/XXXX ) I was given a home that never had been properly apprasied/or assessed in divorce and apparently years before-even though I tried to tell judge this in divorce, etc.As with many things in thsi divorce, much was not either not done properly ( i.e. actual and true docs/testimony of ex/his lawyer ) or not at all ( SS, bank, loan, statements submitted ). Anyway, when I learned that ex had refinanced ( found out after divorce when I contacted Ocwen ), and I was trying to get them to do so with me, ex was trying to not be found out and my lawyer failed to help me when I was having problems with them ( though she knew I was had health issues, etc. ) and basically I had been lweft with a huge mess as it turned out. I contacted right away XXXX ( Iowa XXXX ) in XXXX XXXX and in XX/XX/XXXX I got contacted that they had contqacted Ocwen, but I was n't on the paperwork=to amke this short from XX/XX/XXXX-XX/XX/XXXX i had o lawyer ( legal aid on several attempts as well as XXXX ) failed to help me or anything-it went to forecloseure, even though I showed Judge XXXX XXXX ( who had been judge on settlemt conferecnes in divorce anddivorce, etc. ) that the lawyers helping Ocwen ( XXXX XXXX ) had siad they knew Ocwen did n't want to acknowledge me since i was n't on paperwork ( they wanted to go around court-i was suspious and concerned since I did n't have legal counsel, so I hoped soemthing would get resolved ith XXXX, etc. ) I still live in home, partly cause things were n't done right, home was under what they were told by ex it was worth ( {$83000.00} and when i had help getting county assesssor to look at home XX/XX/XXXX, she said home not worth even XXXX {$2000.00}. ex had a {$50000.00} or more laon on it ) I almost died as well, when furnace was leaking CO2 and almost exploded XX/XX/XXXX-as stated before, judge knew there were issues with home durng divorce. I contacted Iowa Attorney 's Office as well in XX/XX/XXXX, and subsequent years=i have been trying to get people IAoffice and other sto help me get part of settements that have been happening last sevral years with no avail When I recently conatcted Ia.Attoney 's office in XX/XX/XXXX and XX/XX/XXXX i was told newer settlements have been happening and fraud concerning people having to get high insurance on homes that was either unresonable or not relevent. I believe I qualify on all these issues. I am on XXXX and my home is not greaty livable=I need someone to really help me, because others have failed to do so.
|
| 03/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
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While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office.
Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself.
In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.
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| 02/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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- PHH Mortgage services my home morgage and collects tax payments held in exscrow as part of my monthly payment to them.
- I contacted PHH Mortgage on XX/XX/XXXX by phone regarding a revised property tax bill I was issued by my County tax. Commissioners office. PHH advised me to send a copy of the bill and supporting documentation to them via email at XXXX which I did. later that day, I received an email from PHH acknowledging the tax bill information was received and would be processed.
- On XX/XX/XXXX, I received a Notice of Intent to Issue FIFA from the tax commissioner 's office, advising the taxes had not been paid and a new balance was due which included penalties and interest. Payment to avoid the tax lien was required by XX/XX/XXXX, at which time the tax owed would be turned over to a third party for collection.
- On XX/XX/XXXX, I contacted the Tax Commissioner 's Office to confirm the information and then contacted PHH Mortgage to inquire why payment had not been made. I initally spoek to " XXXX '' and later their " Escalation Manager '' " XXXX ''. They requested I send the previous email form XX/XX/XXXX and the Notice if Intent to XXXX which I promptly did. I also sent a copy of the materials to XXXX and XXXX. I again received an acknowledgment that my email with tax information had been received.
" XXXX '' advised me that the payment would be made by XX/XX/XXXX and he would call me on XX/XX/XXXX with details as to why the payment had not been made.
- On XX/XX/XXXX I noticed no payment had been made and called the County Tax Commissioner 's office to confirm, which they did. I then contacted PHH Mortgage and spoke to " XXXX '' with ID " XXXX ''. XXXX advised PHH was in touch with the County Tax Commissioner 's Office and a " sub Loan '' was on the parcel and they had ti investigate. I asked what a sub loan was and she advised she did not know. She further advised that their investigation would complete by XX/XX/XXXX ( 2 days after the new payment due date ) and payment would be made by XX/XX/XXXX. I explained that he tax lien would be applied after XX/XX/XXXX and she replied that they would " take care if it and not to worry. '' XXXX also insisted I would receive a call back from " XXXX '', whom I had spoken to last week today, and I have not received his call. I then contacted the Tax Commissioner 's Office back to inquire about the sub loan PHH referenced and was told there was no other loan on my property and they had no record of being contacted by PHH. To prevent a tax lien from being placed on my property and having no faith in PHH Mortgage to meet their fiduciary duty to pay the tax on time, I submitted payment for the tax due plus penalties and interest.
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| 08/15/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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- Confusing or missing disclosures
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Web |
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Hello XXXX Thank you writing. I am one of the escalation managers handling cases for the Liquidation department. A review of the attachments received shows the borrower is offering {$1000.00} to settle the deferred principal balance amount of {$60000.00}. I am reaching out to let you know that there is only one lien on the property which is with Ocwen and we do not do settlements on part of the principal balance that is owed on loans. That is not an option. Borrower can call customer service at XXXX and schedule an appointment with the Relationship manager to discuss other loss mitigation options. I can assist if the borrower would like to sell the property. You may visit the below link for mortgage assistance options : XXXX XXXX XXXX XXXX Thank you Regards, If you would like to submit a notice of error or information request, please mail the request to Ocwen Loan Servicing LLC | Attention : Research Department | XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX XXXX XXXX Escalations Collateral Based Solutions. Ocwen Loan Servicing, LLC Work : XXXX ( XXXX ) XXXX XXXX www.ocwen.com To : Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX From XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX Re : Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} At this time, I am writing to offer Ocwen Loan Servicing {$1000.00} to settlement and fully release of 2nd lien Loan Deferred Principal Balance of {$60000.00} from the property of XXXX XXXX XXXX XXXX MN XXXX loan number XXXX. We have done everything in our power to make ends meet but unfortunately we have fallen short and ask that you to consider to settle our2nd lien Loan Deferred Principal Balance in full. Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} would fully release all personal liability and the lien from the property located at XXXX XXXX XXXX XXXX MN XXXX loan number XXXX A payment was applied to loan number XXXX XX/XX/XXXX for {$8700.00}. I would like this payment to be considered part of the Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} With the home valued at {$190000.00} and 1st mortgage balance at {$180000.00}. A foreclosure would net the 2nd lien Loan Deferred Principal Balance {$60000.00} nothing.. We personally, want to make a good faith effort to Ocwen Loan Servicing pay the {$1000.00} that we are offering. We have the means to obtain this amount for our settlement offer now. And as this 2nd lien Loan Deferred Principal Balance has been included in a chapter XXXXbankruptcy action, you would not get any of the balance owed. I would appreciate your timely acceptance of this offer. As this offer will expire 30 days from the above date. XX/XX/XXXX Sincerely, XXXX XXXX &
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| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years.
We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT.
Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive.
The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions.
The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly.
There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action.
We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing.
We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.
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| 06/12/2018 |
Yes |
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- Trouble during payment process
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Web |
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OCWEN repeatedly failed to apply my mortgage payments that were sent directly from my bank and those that I sent through the OCWEN website using their payment service. I kept sending my payments, even as OCWEN failed to apply them. I would send in the exact amount specified on the website and on their phone line. I paid for my homeowners insurance in full, out of pocket, then OCWEN claimed I didn't have insurance and adjusted my escrow. Finally, after I kept calling to report that they were not applying my payments, OCWEN started sending my payments back, putting my mortgage behind. This is the second time that OCWEN intentionally and fraudulently failed to apply my mortgage payments to drive my home into foreclosure, despite my paying the exact mortgage amounts specified on my bill. I believe that OCWEN is trying to steal my home, which I alleged in a previous complaint, after they filed a foreclosure on my home, in violation of federal laws, which prohibit them from raising a fixed loan amount. They claimed my escrow was short by a few hundred dollars. OCWEN is trying to take homes that belong to XXXX people in identified neighborhoods, such as XXXX in XXXX, Ohio. I believe they are doing it in conjunction with certain corporations that are engaging in land grabbing in areas being gentrified. I called OCWEN and was told I owed an outrageous amount of money, which multiplies by thousands each passing day. In one phone call, the agent first told me I was behind 89 days, then after I told him that was impossible, he changed it to 169 days. I repeatedly told him that OCWEN sent my checks back or failed to properly apply my payments, then claimed I was behind. They then sent me a request for a balloon payment, after they intentionally failed to apply my payments. I am requesting that OCWEN be fully investigated for failing to follow federal loan guidelines and for stealing homes in XXXX neighborhoods using illegal loan practices. They also broke into my home and stole over one million dollars in personal and business property when my house was not even in foreclosure. In spite of multiple lawsuits, OCWEN has not changed its predatory lending practices, but continues to take advantage of XXXX homeowners that they think can not afford to defend against their unscrupulous practices through lengthy litigation. I can't reach a supervisor or any qualified rep whenever I call. My loan should have been paid off, but they keep restarting my loan every time they force a foreclosure action. They are intentionally driving homes, like mine, into foreclosure that would not be in foreclosure, except for their conduct. I am requesting OCWEN be fully investigated for violating fair lending laws.
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| 03/27/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Ocwen financial services claims simultaneously to have a loan with me ( despite my never having done business with them or having been notified of said loan ) and to have written off said loan with the IRS in XX/XX/XXXX. Further, they continue to insert themselves in a legal case I have against XXXX XXXX XXXX company regarding my foreclosure. Ocwen has claimed in a legal deposition that they are the current holder of an unsigned original, legally executed Note. XXXX has claimed that the holder of the note is the owner of the property. However, Ocwen appears to have discharged the Note according to the IRS. This Note was discharged previously by IndyMac Mortgage Services in XX/XX/XXXX ( which Ocwen is aware of as the evidence of this was shown to them at a legal deposition ). Ocwen appears to have applied a court ordered use and occupancy payment made out to XXXX to a loan ( number XXXX XXXX which Ocwen pretends to have with me. I have received no notification that any loan was transferred to Ocwen at any time, nor could this have happened since Ocwen was not ( and does not claim ) any involvement until long after a foreclosure had already taken place on the property. Further, Ocwen did not ( according to their own testimony at deposition ) become holder of any Note or Loan through the purchase of the assets of IndyMac Mortgage Services from XXXX ( or any other entity ), rather, they claim this happened as a result of XXXX giving them an original copy of a legally executed Note where it was held in a vault from the time of foreclosure. These very facts are in dispute in a court of law at the moment and the case is pending appeal.
In filing a tax for claiming to discharge a note that they did not had and had been previously discharged, Ocwen is guilty of tax fraud against the IRS. In claiming to have a loan with me and/or attached to my property, Ocwen is committing fraud. If Ocwen is claiming to have a loan with me, I was never notified of this fact as required by federal law and I dispute any such claim. By assigning a payment to a loan which does n't exist, Ocwen is committing fraud, since they simultaneously claim that they discharged the debt last year and the check was not made out to Ocwen Financial it 's parent or subsidiary or related companies which constitutes check fraud. Further, Ocwen is violating the court order for use and occupancy, which they are not entitled to since they are not part of the legal action. Further, Ocwen is clearly conspiring with XXXX and is costing me money. Finally, Ocwen was previously notified of their tax fraud by registered letter, so they are already aware ( or should be aware ) that their behavior is inappropriate and likely illegal.
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| 03/17/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Ive been making automatically deducted monthly mortgage payments since my mother died on XXXX XXXX, XXXX. I updated the address in XXXX of XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and received statements there up until XXXX XXXX. As of XXXX XXXX, Ocwen, stopped taking my auto-payments because the loan was in default without my knowledge as the address was changed by a third party research firm, hired by Ocwen. I was receiving all mail until XXXX XXXX, have the same information, and even have been checking the mail at the property address and nothing has come from Ocwen notifying me of these changes. During this same time, the ARM mortgage as varied since XXXX but I 've not seen any mortgage payment adjustment letters - as I was receiving in the past. Ocwen has put the loan in defualt and on its ' way toward forclosure and have asked that I pay legal fees, etc. to be reinstated but it was their doing in changing the information and I wo n't pay the $ XXXX legal and adminstrative fees they want to reinstate the loan.
Because of this, I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address, for inspections, etc as the property has went into non-active status without any notification coming to the correct addresses ( property address or original address ). I am asking for you to research this change and validate that the death certificate, Letters of Administration for me, and my current mailing address is what is on file. I am also asking that all fees related by removed and I am provided with the balance due to catch up ( principal and interest unpaid since XXXX XXXX ). I also am at the property address bi-weekly and have not seen any mail from Ocwen in over a year. I see that Ocwen says in the last report they tried to reach out to me but they had my correct address on file and as the mailing date for 12 months prior to Ocwen changing it to XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. My mom, father ( also deceased as of XXXX XXXX ), myself, and her next of kin have never lived in/nor had a forwarding address anywhere in California.
They have updated the address, not reinstated the loan and still have an incorrect address ( left an apartment number on the address ) but I am getting mail as of this week. I 've reached out multiple times to the Customer resolution center and talked with an Escalation Manager who refuses to/has not returned my calls over two months of attempts.
It is clear that this is not a normal occurrence, that misinformation was received, sensible communication channels were not followed in an effective manner. HELP!
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| 09/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Homeward Residential was my original mortgage servicer but later it changed to Ocwen. Loan My mortgage was paid off in 2013 ( I have attached copies of the letter I received at that time ). Recently I applied for a home equity loan at my bank and was told that I still had a mortgage showing for something like {$69000.00}. I showed the loan officer at the bank the paperwork I had showing this was paid. The loan officer told me that the Satisfaction of the lien paperwork for my mortgage was never sent to the city for recording. This was approximately 3 weeks ago. I called Ocwen and explained my situation. The person I spoke with ( I did not get their name ) agreed that the loan was paid and said they would send something to the bank verifying this information. This was on a Monday. I thought everything was being processed so my loan should go through now, however that week on Wednesday the loan officer called me again asked me to come in so we could have a conference call with Ocwen and she would tell them exactly what she needed as far as paperwork is concerned because the paperwork that was faxed to her was not signed by anyone at Ocwen ( copy also enclosed ). I went to the bank that Friday and with the loan officer we called Ocwen and explained the situation again. The person I spoke with did not seem to understand what I was saying because they kept asking me if I wanted to make a payment so eventually I asked for a supervisor. The man I spoke with ( I did get this ones name but don't have it in front of meXXXX something ) stated he needed 48 business hours to research the matter. The bank told me she would probably know something by the following Wednesday morning. I did not hear from her but on that Friday Ocwen called and said they needed another 5-7 business days to research the matter. It has been about 3 business days and I am still in limbo. This is really interfering with my plans. The bank initially offered me a {$260000.00} home equity loan but because they can not see that my mortgage is paid they have dropped that sum to {$95000.00}, despite me having excellent credit. I told Ocwen this was a time-sensitive situation but can not seem to get cooperation. I am aggravated with talking to a different person every time and this not filing of paperwork should be illegal. The satisfaction paperwork should have been filed with the appropriate agencies 6 years ago and due to negligence somewhere along the line I am not able to get the credit I need and deserve. God forbid I was incapacitated and someone taking care of my estate had to deal with this nonsense, they might have taken my home or money that is not owed to them. What would happen if I tried to sell my home?
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| 05/31/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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My family was faced with both a health and a financial crisis in XX/XX/XXXX. The HAMP program was announced we qualified so we applied through the debit collector OCWEN. Inadvertently we painted a huge bull's-eye on our backs by helping OCWEN identify a property with plenty of equity and owners in distress. We were forced, with threat of IMMEDIATE FORECLOSURE, to signed an illegal loan modification that turned our Home Equity Line of Credit without escrow ( remember no ESCROW ) into a loan with a balloon payment and an escrow requirement.
Six months later ( sound familiar? ) my payment went through the roof. Ocwen, the debit collector, claims to have miscalculated escrow.
We have an illegal mod according to Texas law and we ca n't get an attorney to following through. Fact is the first attorney pawned us of on the second attorney without telling us. The second attorney had some kind of breakdown and as far as I know has not been heard from since. I found out and went back to the first attorney who we subsequently fired. By the time we found the third firm the laws in Texas were changed to allow balloon payments on Home Equity Lines of Credit. We did go to court, or rather the firm went to court, we were asked specifically not to attend the hearing. I have attached the letter from the firm that states " As you are aware, the litigation against you has been dismissed and our services are complete. '' We think we have stopped the foreclosure but we have not. There should have been an appeal filed within 30 days of this decision but it was not. The firm basically quit before it was over.
In XXXX XXXX Ocwen, the debit collector, along with the firm of XXXX XXXX XXXX XXXX XXXX ( operates like XXXX XXXX XXXX ) files for foreclosure with the same tainted documents and signatures as the last time and that is o.k. with the courts in Texas. We hire yet another firm. We have a certified audit that shows over {$20000.00} of our money was never credited to our account. Crazy fees were charged that were never disclosed. We have real evidence of the attempted theft of our home but Texas courts say none of this matters. Ocwen, the debit collector, has all the leverage so their partners in crime the aforementioned XXXX XXXX XXXX have served up another XXXX complete with an escrow requirement. In this XXXX it is spelled out that at anytime Ocwen, the debit collector, can and should be expected to jack around with the escrow account. So in six months time we will be right back where we started in XX/XX/XXXX. We are going to ask that the escrow be eliminated as we have always paid our own taxes and insurance. Our request will be denied because escrow is where the fun is at for these leeches.
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| 05/27/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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On XXXX/XXXX/XXXX at about XXXX received a phone call on my cell from XXXX XXXX XXXX of OCWEN, informing me that my modification payment was late as of XXXX/XXXX/XXXX. I told her that I did not know that I had a modification since I had not heard from them since applying in XXXX XXXX. She said the modification had been approved and the terms were mailed out to me but had been returned by the USPS for the wrong address. ( I later found this to be incorrect USPS has not returned any of my mail ) .She stated that I was still responsible for the terms even though I did not know what they were. They had their attorney tell me not to contact them in XXXX even though I was in a modification. She also set up a return call. Later that day when I got home I called them and spoke with a different rep and she sent me a statement dated XXXX/XXXX/XXXX it showed that I was 2 months behind on my trial modification. My online access had been blocked & she helped me gain access and requested research on the address issues. On XXXX/XXXX/XXXX spoke with their attorney he said he had the modification but had not given it to me because there was n't enough time so he returned it to OCWEN. He wanted to know if I was willing to sign a release if they would modify I told him yes. I told him about Keep Your Home California. He said OCWEN would not use them because too many stipulations. ( but they participate in the program ). He said you see how court goes so they can keep paying me and we can go to appeal its no skin off my back. on XXXX XXXX called and said mod had been cancelled because no funds received on modification. but there was no date when it was cancelled. i told him it was still active. he said i had to reapply and to call the attorney, because even though the mail piece was returned the attorney also had it. I asked if he could send me a copy of the term again, he said no then yes but only email maybe. He would have to request and see if it was approved. Then he said that he could change my payment amount and make the mod not be cancelled when I told him that I had a current statement. The attorney sent me emails again saying I was not supposed to contact them and it was in bad faith even though the case was over. He admitted to knowing about what they were doing. I have a document from them saying I was under review that the rep showed me on XXXX. I just opened my email XXXX I have the mod agreement dated XXXX/XXXX/XXXX. they lied about the amount the printed on my statement vs the mod agreement, how long the interest rate would last, the P & I was different and there is a balloon payment. it was sent via secure email ( see attachments ). Noted the address is correct on the document.
|
| 07/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please look at the spreadsheets from years ago and see the fake ones they sent me. You can see for yourself all the numbers they forged and overcharged us for. Our loan does not have a late payment policy or NSF policy so all these fees need to be returned. YOU refuse to answer us on this. LOOK at them, XXXX. So many lies it's unreal. Look at the bank payments I am sending. None of it matches. NONE OF IT! Payments are being applied where ever they want them to appear or they are missing. XXXX representative XXXX will be more than happy to go over the account with you. XXXX XXXX STATEMENTS DO NOT LIE. LOOK AT WHERE THE XXXX DOLLAR PAYMENT IS MISSING AND 8 XXXX PAYMENTS ARE MISSING.
THE LOAN PAPERS ARE ATTACHED AND NOWHERE DOES IT SHOW YOU CAN CHARGE ME ANY OF THESE FEES XXXX. NOWHERE. PLEASE PROVIDE ME A PROOF OF OUR SIGNATURE AGREEING TO ALL THESE PHONEY FEES. ALL OF THE FAKE CHARGES IS A CRIME.
YOU CAN NOT BE BLIND. JUST BECAUSE YOU REFUSE TO ACKNOWLEDGE IT DOES NOT MAKE IT DISAPPEAR. I AM ATTACHING OUR LOAN AND YOU SHOW ME WHERE THEY HAVE THE RIGHT TO CHARGE FAKE LATE PAYMENTS AND FAKE NSF CHARGES. WHERE DOES IT SHOW YOU CAN CHARGE ME FOR A CHANGE OF LOCKS AND LONG-FORM FEES FOR XXXX XXXX DOLLARS? IT DOES NOT XXXX. WHERE DOES IT SHOW YOU CAN CHARGE XXXX FOR LATE PAYMENTS? EVERY LATE PAYMENT IS FALSE AND I WANT IT REMOVED ASAP. IT'S THOUSANDS OF DOLLARS. I WILL NOT STOP EVER TILL ALL OF THIS IS EXPOSED ON THESE CROOKS. HOW CAN YOU CHARGE MY ESCROW A XXXX MORE FOR PAYING FISD SCHOOL TAXES? YOU DO NOT ANSWER ANYTHING BUT TYPE UNRECONSTITUTED INUENDOS. SO STOP WITH YOUR EDUCATED FAKE THEORIES AND GET SOME GLASSES. I AM EDUCATED AS WELL AND WORK IN THE COURT SYSTEM SO KNOW FOR A FACT WHAT YOU ARE DOING. YOU THINK YOU CAN JUST THROW IN YOUR EDUCATION WITH A SOMEWHAT THREATENING DEMEANOR. IT DOESN'T NOT WORK FOR ME AND I FIND IT LESS THAN ENTERTAINING. YOU HAVE MET YOUR MATCH AND UNLIKE YOU I WORK FOR THE WELL-BEING OF OTHERS NOT THE PAYCHECK. WHEN I TELL YOU THEY ARE STEALING FROM XXXX YOU CAN BANK ON IT. I HAVE NO REASON TO LIE. WHY WOULD I? WHAT WOULD BE THE POINT? SO ALL THE LAWSUITS AGAINST YOU ARE JUST MAKE-BELIEVE? GOOD GRIEF.
KEEP RETALIATING AGAINST XXXX AND WE WILL FILE WHISTLEBLOWING.
KEEP THREATENING TO TAKE OUR HOME WHEN ALL WE DID WAS REPORT THE THEFT AND YOU WILL FIND YOURSELF IN ALL KINDS OF TROUBLE. ONE MORE FAKE PAYOFF STATEMENT WITH MONEY OWED OR THE COMMENT ABOUT RELEASING OUR DEED TO THE SECURITY INSTRUMENT TO SCARE XXXX WILL CONSTITUTE EVERY ASPECT OF THIS LAW.
( Almost anyone with evidence of fraud or misconduct can be a whistleblower. You do not have to be a current or former employee of the company that engaged in fraud or misconduct. ... )
|
| 05/22/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
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Borrowers Pushed into Foreclosure by Servicing Errors and Eminent Failure Scenario XXXX XXXX XXXX XXXX ( XXXX ) engaged in significant and systemic misconduct that occurred at every stage of my mortgage servicing process. XXXX violations of my mortgage put my mortgage at risk of foreclosure under Eminent Failure Scenario which would result in losing my home. Specifically, XXXX set my mortgage up for failure.
Took advantage of my mortgage with servicing shortcuts and unauthorized fees : I relied upon XXXX to, among other things, treat me fairly, give accurate information, and appropriately charge for services. XXXX violated the law and my mortgage in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging unauthorized fees for default-related services ; Imposing force-placed insurance on consumers when XXXX knew or should have known that they already had adequate home-insurance coverage ; and Providing false or misleading information in response to my inquiries to save my home.
Deceived me about foreclosure alternatives and improperly denied loan modifications when I was eligible and qualified : I turned to XXXX because is the servicer for the investor 's loans, as my only means of developing a plan for payment. XXXX failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ; Losing documents when faxed a number of times to the loan representative ; XXXX did not maintain a point of contact, every time I wanted to speak to my loan representative, was referred to the collection department, different agent every time.
Engaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But XXXX mishandled foreclosures and provided consumers with false information. Specifically, XXXX is accused of : Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative by XXXX ; and Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information.
XXXX XXXX acquired this mortgage on XX/XX/2017, I do not have contact information.
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| 03/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I refinanced our mortgage with a closing date of XX/XX/26. Prior to close we received notice that servicing would transfer from XXXX to PHH Mortgage on XXXX. The payoff statement compiled by XXXX was for a payoff on XXXX to account for this. We closed on XX/XX/26. Funding of the loan occurred XXXX and a check was sent to XXXX ( per XXXX instruction ) by the closing attorney. XXXX received this on XXXX and turned around and sent to PHH. It has been confirmed that PHH received the envelope from XXXX on XXXX ( the payoff date that was calculated for my closing ). Never seeing that my loan was paid off I started to contact PHH about this. Finally after several weeks of contacting them they claim to have lost the payoff check and to cancel the check and wire the funds ( which I had suggested weeks earlier ). Last week the closing attorney wired the XXXX payoff funds to PHH and PHH has confirmed receipt, however, they claim that they payoff funds are short since PHH has been accruing interest since XXXX, the date they received and subsequently lost the original pay off check. I have complained there should not be any extra interest since they lost the check in the first place and so some group at PHH is looking into it. When I look online, PHH still shows that no payment has been made and my full balance is outstanding. When I called, they again said the payoff was short and that they can not apply the funds in any way until the issue with the interest is resolved, which last week I was told could take 20 days. They also would not say that they would not report me as delinquent when the 60 day grace period is over in a couple days. I fully expect it will take the full 20 days to hear back from them and in a couple of days that my excellent credit score is going to be ruined, and that PHH will start charging me delinquent fees for non-payment, even though they have several XXXX XXXX dollars in their account from my payoff. You cant get a hold of the person you are working with and they dont return calls when you leave messages. Trying to get an email sent to you will take 2-3 business days as our system is only set up for internal emails. It is all a scam to delay, delay, delay so they can continue to accrue interest/fees. They are a terrible company. Given that the consumer has no say in who the servicer is, being forced to deal with them has been a nightmare and they should not be allowed to service mortgages at all. Just check any review of them. I am beyond livid that there is no one legally responsible for making sure a refi loan is paid off and that I spend hours trying to get someone at PHH to handle this. They are absolutely the worst servicer I have ever dealt with.
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| 03/17/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it.
I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty
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| 10/30/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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Submitted an Appeal for the Denial of my request for Mortgage Modification. I have sent in all requested documentation prior to any deadlines on several occasions in a timely manner.This documentation was submitted in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which we discussed in XX/XX/XXXX.
Once the request for Modification was submitted in XX/XX/2018, XX/XX/2018 and then Ocwen requested additional information in XX/XX/2018, at that point I resubmitted the information as well as another copy of the modification request. The documents listed below were attached.
Medicare Award Letter {$1000.00} and listed, Medical monthly deductible {$130.00}. Bank statements showing Medicare returning his deductible because he has MediCal as secondary medical insurance.
I provided all Bank Statements, in a timely manner.
I attempted to make payments online and the payments were not accepted. According to my records ( which I received from Ocwen Payment Center ), I have not been late on any of his mortgage payments in the past years.
Since modification documents were not reviewed or completed in a timely manner, the Mortgage Servicer, XXXX XXXX, Trustee Sale Assistant and Contract Management Coordinator at ( XXXX XXXX, XXXX. ( Civ.Code:2923.5 ) failed to contact me, regarding any financial options regarding his mortgage payments or the unauthorized lien payment that Ocwen paid. No initial contact was ever made.
My father is a XXXX Veteran with major health concerns that have kept him XXXX XXXX XXXX XXXX. He is in need of keeping his home as this is his only place to live. He needs care that is supplied by me and Caregivers.
To file foreclosure is so wrong on many levels of decencies and respectability to a XXXX Vet and/or any person that is able to pay on time. Ocwen, Relationship Manager has cause great harm to us by not accurently reviewing the mortgage modification documents in a timely manner then denying modification.
We never knew XXXX XXXX, XXXX existed till received certified documents XX/XX/XXXX to addressee.
In light of these facts, I request that you reconsider your decision about the Notice of Default for this order is invalid and should be rescinded and modification be re-reviewed for reduction.
I greatly appreciate you taking the time to read this and the attached document. I am happy to talk or email with you at any time to discuss this further so this matter can be resolved.
Respectfully, Request 1. Explanation to all additional/extra dollars/fees that Ocwen attached to the loan that were never stated orally or in writing be explained, and subtracted from Ocwen ( Debt Collector ) and Lender ( XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX ) loan Docs.
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| 05/25/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )
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| 12/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been on a XXXX XXXX XXXX program since XX/XX/XXXX which included a Payment Deferral. This forbearance program hit the maximum number of months allowed and payments resumed XX/XX/XXXX. With anticipation of this and knowing I could still no longer make the full monthly payment, I applied for a XXXX XXXX XXXX in XX/XX/XXXX. This application was completed verbally. I received a letter dated XX/XX/XXXX denying my modification noting the account does not qualify for Mortgage Assistance. I was assigned a Relationship Manager, XXXX XXXX, whom I have attempted to contact many times and only spoke with once. He was no help to me.
I reapplied for XXXX XXXX XXXX again in early XXXX. This time I completed a full formal modification packet including : mortgage assistance application, mortgage statement, property tax bills, utility bill, insurance declaration page, tax returns for XXXX and XXXX, divorce settlement agreement, last XXXX months of ALL bank statements, a complete monthly budget, profit/loss statements for the last XXXX months for my business and XXXX hardship letters- XXXX from myself and XXXX from my XXXX
I stated that my hardship began when my husband left our family in XX/XX/XXXX and took his income with him. I started my own business in XXXX to support my family.
I am a single mother raising XXXX boys. In XXXX I was diagnosed with XXXX XXXX and had a XXXX XXXX removed in XX/XX/XXXX followed by XXXX and XXXX I had XXXX in both XXXX, my XXXX, my XXXX XXXX and throughout my XXXX XXXX. After being in XXXX my XXXX returned, and I had a XXXX XXXX removed in XX/XX/XXXX. This resulted in a XXXX fusion, more XXXX and a return to XXXX My treatments continue currently.
I sent my complete XXXX XXXX Assistance application on XX/XX/XXXX. I called the mortgage company daily to confirm they received the entire packet. On XX/XX/XXXX I was told that the packet had been received that day and sent to the underwriter. I received a letter in the mail dated XX/XX/XXXX denying my XXXX XXXX noting the account does not qualify for Mortgage Assistance again. This was the same exact denial letter I received for the first verbal application! I also received in the mail, at the same time, a letter dated XX/XX/XXXX stating that my XXXX XXXX XXXX had been received. This letter was dated a day later than my denial letter!
These facts confirm my belief that this mortgage company did NOT conduct a proper review of all my documents! This would include evaluating my extenuating circumstance, as outlined by my oncologist, and the effect this XXXX has on my immune system.
I was able to make XXXX mortgage payment at the end of XXXX but unable to make my XXXX payment, as of yet.
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| 01/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Nearly three weeks from today, my nephew and I contacted PHH Mortgage Corporation ( " PHH '' ) to initiate a short sale of my property located at XXXX XXXX XXXX, XXXX, NJ XXXX for which I became owner together with my late husband XXXX XXXX XXXX ( " Mr. XXXX '' ) ( died XX/XX/XXXX ) in the year of XXXX by deed taken as husband and wife pursuant to New Jersey law for tenancy by entirety under N.J.S.A. 46:3-17.2 as displayed within Exhibit A.
PHH, however, refused to forward me the necessary documents to initiate a short sale by declaring that I had to, first, be granted authority to speak about the account associated with the predatory refinance transaction originated by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with Mr. XXXX executing the note instrument as the sole obligor, and we both executed the security instrument a/k/a mortgage with even date. See Exhibit B for the mortgage instrument signed by both my late husband and myself on XX/XX/XXXX.
PHH indicated the required documentation that I needed to execute in order to be consider by PHH to speak about the subject account would be forwarded to me within 7 - 10 business days which have since come and gone, and I have yet to receive the necessary documentation that I requested.
I believe the tactics of PHH, refusing to speak with me about the subject account and a short sale prior to executing authorization documents ( that I have yet to receive ), when PHH knows ( or should know ) that I am authorized to speak about the subject account for which PHH 's predecessor Litton Loan Servicing LP ( " Litton Loan '' ) acknowledged by rights to the subject property upon : ( 1 ) commencing foreclosure against me and my husband ( on the same day Mr. XXXX died ) on XX/XX/XXXX as owners of the subject property as displayed in Exhibit C ; ( 2 ) offering me a modification effective XXXX XXXX as displayed within Exhibit D ; ( 3 ) taking from me and cashing approximately {$16000.00} in payments from XXXX XXXX through XX/XX/XXXX as displayed within Exhibit E ; and ( 4 ) addressing me in communications dated in XX/XX/XXXX through XX/XX/XXXX regarding the subject account as displayed within Exhibit F.
Furthermore, PHH is now treating me as if I have no rights and / or ownership of the subject property, and no right to speak about the subject account despite : ( 1 ) commencing new foreclosure proceedings against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing refinance mortgage on XX/XX/XXXX as displayed within Exhibit G ; and ( 2 ) procuring final judgment against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing mortgage as displayed within Exhibit H.
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| 09/02/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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2ND COMPLAINT, 1st complete rebutted by PHH and no follow through via CFPB XX/XX/XXXX requested a VA IRRRL ( Interest Rate Reduction Refinance Loan ) refinancing through PHH, was told I qualified for the IRRRL but needed thousands of dollars toward this process. XX/XX/XXXX submitted request for mortgage assistance and prior to falling behind with my mortgage payments, response given, causing mortgage payment amount to increase significantly. XX/XX/XXXX submitted second request for mortgage assistance. Proactive efforts exercised to avert being delinquent with mortgage payments, negatively impacting my credit and additional financial obligations as evidenced by late fees.To date request for additional modification not provided.
Interesting PHH is very thorough about my legal ability to speak with them, but not so thorough in that PHH paid 2 homeowners insurance companies.
-Both insurance companies were paid, XXXX and XXXX XXXX even though XXXX XXXX cancelled XX/XX/XXXX.
XXXX XXXX XXXX began XX/XX/XXXX ; XXXX XXXX the information of this change.
-I was told the reason for this increase is because the taxes increased, even though I have fixed taxes because I am a XXXX XXXX XXXX XXXX. I provided all of this information to PHH in XXXX.
-It took PHH close to a year to address this change.
-Resulting in 2 separate payments for 2 different homeowners insurance companies and then reporting to me that the increase was because of taxes.
Per a previous settlement agreement PHH continues to present the following deficiencies in servicing, foreclosure, loan modification, and other loss mitigation processes.
Per the following : WHEREAS, on or about XX/XX/XXXX, the State Mortgage Regulators, as coordinated by the XXXX, commenced a multi-state mortgage loan servicing examination ( the Multi-State Examination ) of PHH covering the period of XX/XX/XXXX to XX/XX/XXXX, in order to determine PHHs compliance with applicable State and Federal laws and regulations, financial condition, and the adequacy of policies and procedures and the control and supervision of the licensed mortgage loan servicing operations. The Multi-State Examination was conducted by the State Mortgage Regulators from the states of Arizona, Georgia, Louisiana, Massachusetts, and New York. The Multi-State Examination of PHH was conducted pursuant to their respective statutory authorities, and in accordance with the protocols established by the XXXX/XXXX Nationwide Cooperative Protocol for Mortgage Supervision as well as the Nationwide Cooperative Agreement for Mortgage Supervision. A concurrent mortgage servicing examination of PHH was conducted by the Florida Office of Financial Regulation.
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| 01/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
|
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Loan # XXXX Complaint : Taxes paid from escrow account that were from another property owner for unsecured debt over 30 years old. Ocwen will not remove and cancels appt 's. Ocwen returned wire to reinstate loan 1 week after receiving.
XXXX I was doing a loan Modification in XXXX and discovered that Ocwen had never paid my taxes on the XXXX parcel and it was going up for auction. After many calls trying to get anyone to understand this Ocwen finally paid the bill XXXX. I was assured by the relationship manager that when they finalized the modification the back taxes would be included. After analyzing my escrow account I realize that they not only did not include these amounts in the loan modification but that they paid some on else 's taxes. There were taxes paid that were from XXXX XXXX/XXXX/XXXX {$2000.00} on another borrower of the property that was unsecured. Ocwen keeps changing the payment amounts so I could not keep up with the payments as I am XXXX. Now I am trying to reinstate my loan and I can not come up with all this money that they are adding on my account.
I have a reinstate on my statement amount of XXXX, XXXX XXXX/XXXX/XXXX Talked to Ocwen XXXX/XXXX/XXXX to try to get help with loan and was told that I had to pay all the old taxes to that were not mine.
Received reinstatement amount on XXXX/XXXX/XXXX that says XXXX. I then did the research on amounts due and found all the escrow errors on my account. XXXX I called CA tax collector and got them to email the information regarding the taxes that were paid for someone else out of my escrow account. XXXX I emailed XXXX XXXX XXXXXXXXXXXX with all the information. I made an appt to talk to Ocwen XXXX, they never called, looked on computer and apt was deleted. I created another apt for XXXX/XXXX/XXXX, I checked for the apt XXXX and it was deleted again. I rescheduled again for XXXX/XXXX/XXXX and no call. XXXX I received letter from XXXX totally ignoring what I said about the taxes. XXXX I called the taxes department XXXX and talked to person id # XXXX and explained the whole issue. I was told they would research and call the tax collector I had talked to and I should hear back in 2 days. I heard nothing and I could not wait to talk to someone so I sent my statement with the amount due to reinstate, wired the XXXX on XXXX/XXXX/XXXX to Ocwen. As of XXXX/XXXX/XXXX the payment had not been credited to my acct. On XXXX/XXXX/XXXX the appt. to talk to the relationship manager was cancelled. I went back in the computer to reschedule again ( not XXXX/XXXX/XXXX ) and noted that I had paid the amount that was due on my statement. On XXXX/XXXX/XXXX the monies paid we suddenly returned to my bank account.
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| 04/27/2015 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
|
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I decided to buy a home in XXXX XXXX. By XXXX XXXX, XXXX, I was signing my XXXX mortgage paperwork. I had requested to SC XXXX XXXX ( who sold me the house ) that my payment not be over {$600.00} but it was {$800.00} w/a promise that I could reduce that after a year. A year later I find out I have a balloon payment. I filed bankruptcy. I paid that off in 9 months. My mortgage kept going up. I applied for and was put on a HAMP. My insurance went up after XXXX claim. I got a new insurance carrier. My mortgage payments continued to go up. I tried desperately to work with OCWEN who has my loan but to no avail. They have charges on my account they wo n't explain. I have asked why my mortgage keeps going up. They said rates go up and escrow is short. My insurance premium was less than {$1000.00} & is now {$2600.00} a year. Coverage is {$240000.00}. My house is worth less than {$69000.00}. My payoff on my mortgage is {$65000.00}. I have requested, since XXXX XXXX, to speak to my " relationship manager '' but keep being told they are busy and not able to assist me. I submitted paperwork, XXXX XXXX, XXXX, for a Short-Sale because I do n't know what else to do. But now they are saying the process will take several days which means I will go right into foreclosure. The realtor I have for the short-sale talked to them right after I did and was told I CALLED AND REQUESTED TO CHANGE MY APPOINTMENT! I then told her how they have told me several times they have no record of me calling! I went online and found out they have several lawsuits filed against them for the very things I am complaining about. I contacted my states attorney general 's office and they told me to file a complaint. My home loan started with XXXX, then Homeward, then AHMSI, and now with Ocwen. Ideally I want to keep my home. I have lived here almost 9 years. But realistically I can not afford to stay here as long as my payments keep going up. In the meantime a short 3 weeks after I moved in the bathroom tiles started falling off ; noticed the air did not work upstairs nor in the XXXX bedrooms ; nails coming up through the carpeting ; was supposed to repair siding and XXXX windows and remove metal spikes but did not! They sent to property managers ( XXXX came XXXX ) who promised to fix things but they did not follow through. To top it all off : The agency I work for has not given me a cost of living raise in 5 years. So while all my necessities go up my pay does not to the point my pay has dwindled due to health insurance and taxes going up! Is there a complaint again SC XXXX XXXX? Is there a complaint against the insurance company XXXX/XXXX?
I need help please and thank you. I appreciate your time!
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| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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After the sale of our previous property ( XX/XX/XXXX ), my husband had issues obtaining a loan for his new vehicle due to the credit to debt ratio being high on his credit report. We logged into our experian accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing. We moved forward with disputing these accounts that same day.
Unfortunately, on XX/XX/XXXX the PHH Mortgage loan dispute came back as still open and in good standing. I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX.
On the XX/XX/XXXX I filed yet again another disput but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided.
By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on.
I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us.
Thank you,
|
| 04/19/2017 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by XXXX XXXX XXXX which went bankrupt in XXXX due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since XXXX is defunct. Beyond the previously mentioned items, the loan maturity date of XXXX is outdated by the actual date the mortgage would be paid off ( XXXX ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of XXXX , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of 4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.
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| 11/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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Approximately 11 months ago I was having financial difficulties and contacted my mortgage loan servicer Ocwen. I asked for help and requested a modification. Since then I have sent in the modification papers several times, doing exactly what their representatives told me. I made payments in XXXX, XXXX, XXXX and XX/XX/2018 as a " trial modification ''. I also sent in a payments that they say are " on hold '' .The monthly payment amount was {$580.00}. I had sent in the modification papers which had my ex-husbands name on them. ( When we divorced the judge had said he was no longer liable for the payments and my ex signed off on the house ). I was not able to get his signature because I am afraid of him and what he might do so I sent the papers in without his signature. The last modification I did about 3 years ago was put through even though my ex-husband did not sign those. It has been almost 10 years since our divorce. With the help of the Wisconsin Department of Financial Institutions I was able to get some help and my ex-husbands name was removed from the mortgage.
Since then Ocwen has been unfair and I have actually caught them lying to me. I have taken down every representatives employee number and date I talked to them. I've told them that I believe Ocwen is trying to get me out of my mortgage because with my last modification I was given an interest rate of 2 %. Many other issues have come up since then. I did receive a default letter and am in foreclosure. Most recently I sent a money order from my bank for {$1100.00}, it was sent overnight to Ocwen around the XX/XX/XXXX. When I called I was told that Ocwen was sending the money order back because it didn't include the XXXX payment. I didn't include it because it wasn't yet XXXX when I sent the money order. The representative I spoke to before the previous representative talked to me said that the money order was received in XXXX and that's why it was sent back. I am constantly getting various answers. I spoke with them today and am going to try to send the money back with the XXXX payment included ( {$580.00} ) and see what happens then. They've told me several times that they are working on completing the modification but they never have.
I'm a single mom with XXXX kids living with me. Prior to my financial difficulty at the end of last year I had been on time with my payments. I am so stressed out and feel that Ocwen is trying to make me lose my home. I have begun counseling because I'm so anxious that I can hardly function. I don't know if anyone can help me but I would like to start a case against them if possible. There is so much more that I could include but not sure if there's room.
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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My refinance escrow closed on XX/XX/XXXX and the escrow company ( XXXX XXXX XXXX, XXXX ) paid the first half XX/XX/XXXX-XX/XX/XXXX property taxes through the escrow process. This has been verified by a phone call to the XXXX County Tax Collector as well as a visit to their office. The escrow company collected {$360.00} for prepaid interest ( {$17.00} per day from XX/XX/XXXX to XX/XX/XXXX ). They also collected impounds of {$210.00} for homeowners insurance for 4 months and property taxes of {$110.00} for 5 months property taxes for a total of {$590.00}, but show an aggregate adjustment of {$410.00} for some reason, which leaves a total of {$390.00} that went to PHH Mortgage company for my impound account and shows that total on my first statement from them ( dated XX/XX/XXXX ). I made the first payment of {$910.00}, mailed XX/XX/XXXX ( and received and processed XX/XX/XXXX ) which includes {$170.00} for escrow and the rest for principal and interest. I received my next statement from PHH dated XX/XX/XXXX, showing impounds now at {$560.00}. It also showed a payment to the XXXX County Tax Collector in the amount of {$730.00} from PHH on XX/XX/XXXX. My next correspondence from PHH was " Your Initial Escrow Statement '' dated XX/XX/XXXX indicating I had a shortage of {$720.00} and if I didn't pay the shortage, my payment would increase to {$930.00} on XX/XX/XXXX. I immediately called them and spoke to them and they directed me to their tax collection department XX/XX/XXXX informing of the error and they instructed me to fax all my information to them ( at XXXX ), which I know they received because they had my last name wrong and that was included in the fax and they have since corrected it ( as per the PHH letter later XX/XX/XXXX, that only spoke to correcting the spelling of my last name ). I even included a copy of the XXXX County tax bill which showed the first half taxes were paid XX/XX/XXXX through the escrow company. No response on the tax payment issue. I paid the next payment of {$910.00}, received and processed by PHH on XX/XX/XXXX. The next correspondence I received from PHH was my monthly mortgage statement dated XX/XX/XXXX which shows an impound balance of {$9.00}. I went to the XXXX County Tax Collector 's office on XX/XX/XXXX and the only payment showing on my property taxes were the {$730.00} sent in by the XXXX XXXX XXXX. So where are my impounds PHH supposedly sent to the XXXX County Tax Collector? I overnighted a letter again to PHH to their office in XXXX, NJ, received and signed by them on XX/XX/XXXX and have not received a response from them. I am having trouble scanning documents to the size you have allotted, but can send later.
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| 08/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was notified that PHH mortgage Services would be my new servicer as of XX/XX/XXXX ( PHH Mortgage Services XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. ) My loan number with them is XXXX. I called PHH prior to XX/XX/XXXX to ensure that they would handle paying my township taxes out of the escrow account as they were due by XX/XX/XXXX in order to get the 2 % discount. They confirmed that they would pay the taxes out of escrow. On XX/XX/XXXX I received a delinquent unpaid tax reminder notice from my township stating that the township taxes were not paid. I then called PHH XX/XX/XXXX and spoke to XXXX to inquire about why my taxes were not paid when I was told they would be, he said they would look into it. I was told by PHH that my escrow account was only set up to pay my insurance, not taxes. On XX/XX/XXXX, I spoke to PHH again and they admitted that when I refinanced my home on XX/XX/XXXX the closing documents said escrow was to be set up to pay taxes and insurance, and that this should have carried over when PHH picked up mortgage. Finally, they said they will pay the taxes but could not promise that it would be paid by XX/XX/XXXX. I have gone back and forth with PHH since XX/XX/XXXX multiple times per week to inquire as to why my taxes have not been paid. As of early XXXX, PHH is saying that they will not pay the taxes because they are disputing a {$15.00} certified payment per year with my township. It is now XX/XX/XXXX, PHH called me today and said " the tax department left a message with XXXX XXXX and has not received a call back '' so he called with no update once again. The township taxes are still not paid and it has been 2 months since I first contacted PHH regarding this issue. About 2 weeks ago they performed an escrow analysis on my account without my knowledge and then sent me an escrow overage check in the amount of {$1900.00}, which I will have to use to pay my delinquent taxes. My XXXX school taxes are due by XX/XX/XXXX and I am concerned that they will not be paid either. PHH has not provided me with any solid updates and no progress has been made on this issue since early XXXX. I want PHH to be responsible for the 10 % late penalty and for them to reimburse me the 2 % discount. I have exhausted all of my options, emailed and called to speak to escalations managers several times and I am getting nowhere. I asked them multiple times on recorded lines to only communicate via email and they have refused, instead continuing to call me 2-3x per week with no real updates. Please advise on how to proceed because I am getting nowhere with this company and I am disgusted with their level of incompetence. Attached are relevant tax documents.
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| 04/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello - My name is XXXX XXXX. I have had continued issues with XXXX XXXX XXXXXXXX and I need serious help with them.
I went through a modification with them back in XX/XX/XXXX. In this time they would not take payments from me because they said it was going through the process of modification. This took a year of continuously sending them bank statements and profit and loss statements and so on and so on. I would talk to one person at the company and they would tell me something different then someone else. This would go back and forth of them telling me something wasn't right on the paperwork or they never received it.
After a year of going through this then they tell me that my mortgage has matured. I knew nothing of this as my ex husband did the loan. I then contacted AHEAD and they helped me to go between the mortgage company. All paperwork was done over again. Back and forth. Meanwhile my payoff amount went from {$49000.00} to {$60000.00}! I filled out the paperwork signed the final paperwork for approval of modification on another fifteen years. Had it notarized as requested by them. Sent it to them and Ahead. I got paperwork stating from them congratulations my modification was approved. Relieved and finally able to sleep at night. However it was short lived. A few days later I get a letter stating oops we were wrong! You need to have your ex husband sign the modification as well. I told them I had explained several times before that this was not an option and that's why I sent them copies of the quick claim deed that he no longer has anything to do with the mortgage and that he has a life time restraining order on him from the courts and was not allowed anywhere near myself or my kids. I told them I've gotten a modification before and they excepted it. They told me they can no longer except that and if he doesn't sign it, my house goes up for foreclosure. As you can imagine I'm devastated about this and losing sleep because Im going to lose my home my family was raised in. I've lived on that land for thirty years and the thought of it being taken away because I can't get a signature from a man that hurt myself and my children is just unreal. Please I just need to know what I can do to save my house. Going to another mortgage company isn't an option right now. My husband and I own a small business and can not get loans at this time.
I tried making XX/XX/XXXX Payment and now the agent whos ID number is # XXXX said they will no longer except mortgage payments from me because they didnt receive the second set of modifications they sent me with my ex husbands signature on them.
I dont know where else to turn.
XXXX XXXX XXXX XXXX XXXX
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| 09/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I am filing this complaint against Ocwen Mortgage Services for misleading advertising and, moreover, for the mishandling of my mortgage Loan, neglecting to pay my homeowners policy from my impounded funds, destruction of my credit rating, personal financial damage and extreme XXXX. The deplorable reputation of Ocwen is no secret to those in financial circles but when their immoral business practices are up close and personal, it begs the question, why are these people still in business or at least why are they not sanctioned for a slogan that says " Helping Homeowners is What We Do. " 1 ) XXXX, 2015 Ocwen failed to pay my homeowners insurance causing it to be cancelled. After more than two months of lies about the payments being sent and numerous 3-way calls with the insurance agency and Ocwen, over two months later the agency received payment and the policy was reinstated.
2 ) XX/XX/XXXX and XXXX, 2015 Ocwen failed to acknowledge XXXX mortgage payments from my bank bill pay account which were paid on time. After providing them bank documents, they acknowledged the XX/XX/XXXX but not the XX/XX/XXXX payment. Due to the extended time period my bank advised I place a stop payment on payment while the situation was reviewed and replace the payment. I complied. Meanwhile, I expressed my desire to work with Ocwen to resolve the issue so that my excellent credit rating would not be affected. I was lead to believe over the next two months that a letter would be generated internally for use with the credit reporting bureaus to mitigate any damage to my report by noting my consistent on time payment record and acknowledge a system error in funding my loan. After countless phone calls to various levels at Ocwen in their " escalation department '' I received a letter noting they ultimately considered the payment 30 days delinquent. Not only has this destroyed my credit rating I have worked my life to protect, it has impacted my ability to refinance and financially. Moreover, if I would be successful in a refinance opportunity I would now pay a higher interest rate.
When Ocwen took over my loan from IndyMac I had no say in my loan being sold to Ocwen, Problems at the onset of their takeover, included three months for Ocwen to get my payment process resolved from the previous company. Again, there were no acknowledgement of payments that were transferred from IndyMac to. Ocwen. Ocwen came after me with threats while IndyMac maintained Ocwen had received the payments and had the dates to prove it. I was a victim then and I am still a victim because they simply wont do " the right thing '' by acknowledging their accountability and living up to their slogan.
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| 06/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that Ocwen Loan Servicing L has conducted. I vehemently contest the assertion ( s ) made by Ocwen Loan Servicing L that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that Ocwen Loan Servicing L is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents Ocwen Loan Servicing L & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a Ocwen Loan Servicing L has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. Ocwen Loan Servicing L and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if Ocwen Loan Servicing L isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my XXXX career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of Ocwen Loan Servicing L? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
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| 04/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Dear XXXX CFPB, I would like to complaint than Ocwen Loan Servicing , LLC . ( Ocwen ) appears to show that Ocwen may not be in compliance with certain provisions of the Home Mortgage Disclosure Act ( XXXX ) and its implementing regulation, Regulation C.
The Home Mortgage Disclosure Act of XX/XX/1975, as amended, 12 U.S.C. XXXX, requires many financial institutions to collect data about their housing-related lending activity, including home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications.
Annually, a for-profit mortgage-lending institution other than a bank, savings association, or credit union, must collect, record, and report XXXX identified in XXXX and Regulation C to the appropriate Federal agency when : ( i ) in the preceding calendar year, it either : ( A ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least XXXX percent of its loan-origination volume, measured in dollars ; or ( B ) originated home purchase loans, including refinancings of home purchase loans, that equaled at least {$25.00} XXXX ; and XXXX XXXX ) on the preceding XX/XX/XXXX it had a home or branch office in a Metropolitan Statistical Area ( MSA ) ; and ( iii ) it either : ( A ) on the preceding XX/XX/XXXX, had total assets of more than {$10.00} million, counting the assets of any parent corporation ; or ( B ) in the preceding calendar year, originated at least XXXX home purchase loans, including refinancings of home purchase loans. 12 C.F.R. 1003.2, 1003.4, 1003.5. A for-profit mortgage-lending institution other than a bank, XXXX XXXX, or credit union, is deemed to have a branch office in an MSA if, in the preceding calendar year, it received applications for, originated, or purchased five or more home purchase loans, home improvement loans, or refinancings related to property located in that MSA. 12 C.F.R. 1003.2. A violation of HMDA or Regulation C is subject to sanctions as provided in section 305 of HMDA, 12 U.S.C. 2804, and subtitle E of the Consumer Financial Protection XXXX of XX/XX/XXXX, XXXX U.S.C. 5561 et seq., including the imposition of civil money penalties, where applicable.
Ocwen is in violation of XXXX filing requirements, we urge CFPB to review Ocwen practices to ensure that Ocwen comply with all relevant laws. Ocwen do not follow XXXX, Regulation C, and CFPB guidance, Ocwen continued to request us to submit all Loan Modification Application and always denied our loan Modification for any reasons Ocwen wants to. We get the denied Loan Modification for may times.We encourage CFPB to advise Ocwen to compliance with the laws.
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| 05/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Mortgage transferred to PHH Mortgage several years ago XXXX. All had been fine until XXXX of which caused us to fall behind on payments. After a trial modification, we were offered a loan modification of which we did not agree to the terms. Now, we have a mess. We were approved for a refinance with a different mortgage co. until PHH sent payoff statement showing an interest amount owed which resulted in our payoff being approximately {$110000.00} XX/XX/XXXX and our beginning balance years ago was {$110000.00}. I disputed this payoff amount. PHH is showing on our statements, an interest bearing balance and also a non-interest bearing balance. We were told our payments deferred would be added to the end of the loan, causing us to show current. We are not showing current on PHH statements, but our credit reflects current. When we call out of concern, they assure us all is fine and not to worry. We've requested a transaction history of our entire account multiple times & received but it is so confusing and doesn't involve simple bookkeeping as I was taught and have done for a living daily all of my working career. We can only access history from XX/XX/XXXX forward online. However, when I called on XX/XX/XXXX, I was told a transaction history from XXXX would be mailed to my address. We are being verbally told one thing, our statements reflect different and our credit reporting reflects different & our online account shows different. We want away from PHH Mortgage as it's obvious we will never get our home paid for at this rate. We have sent a payment but they returned it stating they had to in order for us to qualify for assistance. We would receive letters stating we were current & no payment due for 3 months. This is a nightmare which has caused me much distress and XXXX to the point of a XXXX XXXX case. We never speak with the same person, never told the same thing and always assures us all is fine with our loan. This scares us because I can't prove verbal statements & their paper statements say different from what they say verbally. We feel victims of PHH Mortgage & held hostage from successfully moving to a different mortgage co. who would allow us to accomplish paying our mortgage off within a timely manner. We've had nothing but problems out of them and would like you to investigate our account to rule out any illegal charges added to our account & to make sure they handled posting our payments correctly. It's hard to send someone a payment when they send it back for no reason other than to qualify us for financial assistance. We are frustrated and feel this is a nightmare never ending. Please help us get away from this company. Thank you!
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| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XXXX my mortgage came due for a balloon payment. I called PHH mortgage to refinance and they told me it was to late. I said what? to late, why? they said I had to apply before the due date. I didnt know this and said what now? they said i could apply for a modification. So they went through everything with me to fill out application with them over the phone. so I did. then I had to submit bank statements and pay stubs etc ... everything they ask for. I did it. they said It would take at least 30 days to process. It was Late XXXX. I think around the XXXX the letter was dated that I was denied. They had set up a phone call for a meeting and in that call they asked for more paperwork, which I submitted to them via fax and / email. Everything they wanted. They have every bank statement from at least XX/XX/2021 till now to prove my income. they just kept asking for more and more. I sent more, everything. They kept saying they were reviewing. In the mean time they were reporting I wasnt making my house payments on my credit. They wouldnt take my house payments. I tried over and over. I would even get calls from them wanting an house payment and then they wouldnt take it. I could make my house payments the entire time. I had a representative from PHH mortgage tell me to write a hardship letter and explain my situation. I did and she told me to make an offer to settle the account. Which I did more than once. All I get is the run around. They said they wouldnt foreclose as long as they were working on the modification but now they are and have turned it over to an attorney. I tried to get other financing and since theyve ruined my credit I cant get financing to save my house. I've been here XXXX years and Im fighting to keep my home. So I contacted the Wisconsin Help for Homeowners and the person in charge in my area told me to report PHH mortgage to you because she questions why they offered me a modification. She said you can only modify a loan that exist, technically she said since my loan came due I dont have a loan to modify. She feels like we do now that we have been strung along so they can steal our home from us with the markets on housing being what they are. I have almost half of what is owed on my loan and qualify for a grant from the state because of me not working because of covid. The girl from the state called PHH mortgage to discuss the situation and get them to accept the request from the state to be on the list for the grant. She was transferred and disconnected 3 times trying to get information. I gave them written permission to talk to her as well. Im desperate. Please help us. I dont want to lose my home. I can make my payments.
|
| 10/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XX/XX/2019 To Whom it may concern, My name is XXXX XXXX XXXX, and this is my formal complaint on Ocwen Loan Servicing and PHH Mortgage Services, on their practices in Notice of servicing Transfer. I received the notice in the mail on about XX/XX/2019, notifying me that starting, XX/XX/2019 PHH would become the new servicer for my account : Loan number XXXX.
For the last ten years Ocwen Loan Servicing, had paid my homeowners insurance policy to XXXX, policy number : XXXX XXXX XXXX. The policy was paid through an escrow account once a year. After the transfer of service on XX/XX/2019, I received a policy statement for the first-time in 10 years, noting that the notice was for non-payment of premium. A second notice statement followed on XX/XX/2019, for, {$360.00}, a third notice XX/XX/2019, {$730.00}. It was obvious that PHH Servicing was not paying my homeowners insurance, from the {$1400.00} each month. {$580.00}, was the amount that was deducted for the property taxes and hazard insurance that was scheduled to be placed in the escrow account.
On about, XX/XX/2019, I called PHH Services, customer care center, trying to reach my relationship manager, XXXX XXXX. I was informed they where busy and to speak to the next available agent. I spoke to this agent about my homeowners insurance not being paid. I was told I would get a call back after my complaint was given to the research department. The phone call never came. After speaking to at least 10 customer care agents and explaining my issue to each and every one of them ( language was a bearer }, I became frustrated, but called another day around XX/XX/2019. This time I insisted on speaking to a supervisor. I spoke to a floor supervisor named Mr. XXXX ( agent # XXXX ), I was told my account did not have an escrow account attached to the loan. Mr. XXXX followed through and called me back within 24 hours. I was told that I was right, nothing was being paid and someone would get back to me for a final resolution. No one ever called but they sent a partial payment, but no explanation to why this was happening. I am now researching my property taxes to see if there is any debt outstanding.
In the meantime I received a notice of termination for non-payment from XXXX, with a final outstanding balance of XXXX ( XXXX is demanding payment ). In order to protect my home and property I did established a new homeowners insurance policy through XXXX XXXX started on XX/XX/2019 and show PHH Mortgage Servicing as the lien holder. To add insult to injury I now have another mortgage servicing company called XXXX, started XX/XX/2019.
Thank you, XXXX XXXX XXXX
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| 06/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
|
this is in fact a follow up to my resent complaint, and after careful review of Ocwen Loan Servicing, LLC there are a number of fraudulent and misleading errors in violation of the Fair Debt Collections Act, mainly, the numerous amounts of paperwork submitted to the Consumer Financial Protection Bureau in which this agency was designed to protect consumers from abuse from mega banks and agencies from the practices gleamed here. mainly the affidavits filed were robo-signed a practice condemned by federal agencies, furthermore, there are a number of holes and gaps in the title chain transfer apparently prior to Ocwen claiming ownership or service connections. The failure to record the required documents accurately undermines and even invalidate the transfer altogether. There are a number of lump-sum payments made by me during the mortgage process which are fraudulently non reflective in any of the vas amounts of paperwork submitted to the CFPB buy Ocwen. I contend that Ocwen has and continue to engage in an illegal foreclosure action as this agency is well aware of the tactics used by Ocwen. it is well settled that every Deed should contain 1. An indication that it is a Deed, 2. Description, 3. Signature of the individual or entity that is transferring the property, 4. Data regarding who is taking title to the property, and 5. Validly delivered to new individual. These holes and gaps in the chain of title and payments demonstrate fraudulent activity and brings into question of who actually owns the mortgage and has standing to foreclose on said mortgage. In 2010, it was revealed that several large banks routinely used affidavits signed by employees who did not personally review the documents and had no basis tor believing that the homeowner was in default or that the bank owned the loan. Employees for financial giants like XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX have all testified that they signed many thousand of affidavits a month, spending about 30 seconds on each affidavit, and that they didn't have a clue regarding the veracity of the affidavit or the documents in question-hence the name " robo-signers ''. Since this scandal broke, it has been revealed that SERVICERS robo-signed all kinds of foreclosure documents besides affidavits, like assignments of mortgage and other documents needed to foreclose. Banks can not legally foreclose on a house if the foreclosure paperwork is not in order, as is the facts here, there has been robo-signers which is illegal and in this instance the demonstrably false and illegal faulty paperwork being submitted by Ocwen or any other can not demonstrate the veracity of the necessary documents.
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| 08/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American |
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I am an Elderly XXXX and XXXX XXXX Senior Citizen that suffers from a XXXX XXXX XXXX due to a XXXX XXXX and am XXXX in my right XXXX and suffer from XXXX XXXX XXXX in my XXXX XXXX.
I am a Qualified XXXX Individual and in a Protected Class of Citizens under the Americans With XXXX XXXX ( XXXX ).
I qualify for enhanced penalties and wish to prosecute PHH Mortgage Services to the fullest extent of both Federal and State Law regarding all violations that are applicable in this instant case.
If there are other Agencies that can help me, please refer me to them.
On XX/XX/XXXX I received a mortgage statement showing that my regular monthly payment is {$780.00} and my outstanding principal balance is {$57000.00} of which XXXX is going to principal. According to the amortization schedule printed on XXXX XXXX the loan would be paid off in XXXX of XXXX to where I will be XXXX XXXX XXXX. This schedule is fine with me and i can easily afford the payments as I have a monthly income of XXXX.
On XX/XX/XXXX I was shocked that my regular monthly payment changed to XXXX without my permission, and I never signed any documents for this change as the last correspondence I received from them was on XX/XX/XXXX " MISSING ITEMS FROM THE REQUEST FOR MORTGAGE ASSISANCE ' The outstanding balance on the XX/XX/XXXX was now {$74000.00} This is XXXX higher and the statement now shows only XXXX going to Principle. I never agreed and would never agree to this as this is unsuitable for an elderly XXXX client with only 8 years left on the loan.
I do owe them about 10 months in back payments XXXX XXXX to XX/XX/XXXX and have instructed XXXX Loan Officer # XXXX on XX/XX/XXXX at XXXX XXXX PST to put the arrears on the back end of the current mortgage so if I have ONE more year to pay that would be fine ; NOT 30 YEARS!
I want Enhanced Criminal Charges filed against XXXX XXXX and any other ( DOE ) OFFICER and C.E.O. of PHH Mortgage Services that assisted with this Crime, as well as PHH Mortgage as this Mortgage Fraud, Violations Of The Truth In Lending Act, Predatory Lending, Violations of State Of Nevada Chapter 645B MORTGAGE COMPANIES AND MORTGAGE LOAN ORIGINATORS.
I will send a copy of this Complaint to The Nevada Division of Mortgage Lending for Prosecution.
I attempted to resolve the problem in Good Faith on XX/XX/XXXX at XXXX XXXX unsuccessfully with XXXX XXXX # XXXX and XXXX # XXXX without success.
Please help me as this is an urgent matter regarding my home of 31 years and I am suffering XXXX XXXX XXXX and XXXX of which I am now under the care of a Licensed Board Certified XXXX and need to get it under control Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX
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| 11/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I was affected by the XXXX XXXX XXXX in XX/XX/XXXX. I applied for and was approved for a forbearance plan under Ocwen in XX/XX/XXXX. My loan was transferred to PHH who was scheduled to service the loan on XX/XX/XXXX. On said date, I contacted PHH to make a payment and was told my loan didn't transfer over. After several calls through out XXXX, finally in XX/XX/XXXX, my loan was transferred and I was told I now owed for XXXX and XXXX, although I was originally told no payments were due for XXXX. I made two payments in XXXX to bring my loan current and was placed on a trial modification for 6 months, which I adhered to each and every month by calling and speaking with an agent to make payments. I was told in XX/XX/XXXX that closer to the end of trial modification, I would receive paperwork tht would provide options available to me to cure the three months that I was on the forbearance plan. I inquired about said paperwork in XXXX and XXXX and was informed that because the company is very far behind, that I would have to continue making payments as I have been doing so and they will get around to my file and send out said paperwork. On XX/XX/XXXX I received a Notice of intent foreclose, dated on XXXX XXXX, XXXX, and postmarked on XX/XX/XXXX. I immediately contacted PHH upon receipt of said notice and after hours and hours and several different supervisors and employees, I spoke with a supervisor of the escalations department and was was informed that I did not need to worry about the foreclosure paperwork as I had been paying as I should have under the trial modification, and that PHH would submit a request to have my account reviewed as they are very behind on mailing out the paperwork. On XX/XX/XXXX, I tried to make a payment as I had been doing so for the past 5 months and was told that they would not accept a payment as I had to bring the entire account current in order to accept a payment. I requested a supervisor and was told one would call me back, as of today, I am still waiting for a call back even after calling three more times since XX/XX/XXXX. Most recently, I called and requested to speak with someone for answers on XX/XX/XXXX and have yet to receive a resolution. I was informed that now that there is no modification on my account, although I received statements with modification trial payment listed. Again, I was placed on a trial modification plan, yet at the end of the trial plan, was given no alternative option to cure the outstanding balance other than pay an amount that is twice the amount of what it should be. I need help in getting this severe error with my account resolved as this is affecting me in every way possible.
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| 05/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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After Hurricane Irma, I was not able to make payments on my mortgage loan. Ocwen Loans said that it's ok that they would work with customers that has been devastated by the Hurricane, and XXXX XXXX XXXX region where I reside was hit hard. When I called the XXXX XXXX of Ocwen loan servicing, the forbearance plan which was put in affect in the amount of XXXX plus first payment stated it was due on XX/XX/2018. I spoke with a representative and she stated that the payment was due XX/XX/XXXX or XX/XX/2018. I advised her / the XXXX XXXX when I called in and formed me to make a payment on XX/XX/XXXX for the forbearance amount and that's my purpose of calling in that day. The representative did indicate that they have had several clients to call in and state that the XXXX XXXX was providing this information. She also stated that she was fully aware of the situation and even though I missed paying that XX/XX/XXXX or XX/XX/XXXX that I would need to pay the {$910.00} then she stated know your mortgage went up {$6.00} and change so you need to ask me pay {$910.00} + at this time. I asked the representative several times that I need to pay the {$1400.00} Plus which was the forbearance amount and she reassured me that the only thing that I needed to pay was {$910.00} and change nothing more. The agent had gone on and stated that she will be reaching out to me within 30 days because, she was going to reinstate my forbearance agreement due to the negligence on the XXXX XXXX / OCWEN at that time. I again asked should I go ahead and pay her the XXXX and change the forbearance agreement and she stated NO that the {$910.00} and change was quite sufficient. The agent called me in about 27 to 28 days just to provide me with an update on the reinstatement and she stated that she was still working on getting that done. Two weeks later the agent called me back and apologize for the inconvenience and told me that it was nothing that she could do she understood that it was not my fault it was based on the XXXX XXXX in addition to that she apologized for giving me the missing information stating that she would get the plan reinstated. I've made several calls and advised them to listen to the recordings, even though they listened to the recordings they still fail to take ownership to their negligence and correct the situation. I've tried to get a another repayment plan which they have for. {$1900.00} and they still failed to send me an agreement to sign to confirm anything. It's just been negligence after negligence and now they're asking for me to pay {$13000.00} and XXXX cent by XX/XX/XXXX which is impossible. Or a minimum of {$12000.00} which is still impossible.
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| 09/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}.
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX.
It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages.
This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.
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| 02/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I'm filing a complaint against PHH Mortgage who is servicing my 2nd mortgage for breaching the terms of our loan agreement ( Mortgage note ) by not applying my payment to principal. I sent in a payment to be applied to my principal that they received on XX/XX/2021 ( according to my bank ) after not seeing it applied I called PHH Mortgage on XX/XX/XXXX, I was relieved that they HAD received my check and that it was to be applied to the principal. However, they mailed the check back to me instead. My complaint is they refused to apply my check to my principal balance. They returned the check and stating they needed certified funds.
In my Note 4. Borrowers Right to Prepay states that I may make a full prepayment or partial Prepayments without paying any Prepaying charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under Note.
After I was assured that they received the payment via phone call to them on XX/XX/2021, I received a letter in the mail on XX/XX/2021 with my check in the amount of {$10000.00}. I immediately called and spoke to XXXX XXXX and was quite livid that they refused to apply my check to my principal balance. They informed me because it was the full principal balance they could not apply it and they have a procedure for paying off the balance. There is nothing in our agreement that states I can not prepay the full balance. When I asked XXXX what amount they would accept as a prepayment he did not have an exact amount allowed. The reason they want the certified amount is to have guaranteed funds that the check wont bounce. One could delay showing loan balance is XXXX after the allotted time ( which they did anyways with sending my check back!! ). I responded the escalation agent if that was the case then just wait until the funds are secure to know. There is no agreement in my note for the Lender to require THEIR OWN PROCESS for me to pay my full principal balance. This is a breach of their agreement. A way to charge more in fees and interest in requiring a payoff. There is nothing stating I need a payoff amount sent to me by them.
Im tired of financial institutions taking advantage of people, it is unfair for them to not apply payments to principals correctly. This has happened to me in past, it seems to be bad practice with loan servicers for misapplying funds to principal. In Order for me to only pay that amount they are REQUIRING ME to get a pay-off statement ( and it will come with additional interest for XXXX and fees ). I should have no interest to pay in XXXX as the principal should have been paid. Don't they have to follow our agreement and apply my check to the principal?
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| 08/10/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX.
XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well.
I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX.
Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title.
Ocwen has been paying insurance and property taxes.
The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in.
Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k.
Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me.
I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be.
Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.
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| 07/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.
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| 11/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Older American |
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On Monday, XXXX XXXX, 2015, I am scheduled to complete the closing sale of my home in XXXX, Florida. As such during XXXX 2015, I contacted Ocwen Loan Servicing , LLC at their website to find out what the PAYOFF amount on the mortgage was going to be. Ocwen Loan Servicing , LLC subsequently sent me by mail the necessary written documentation dated XXXX XXXX, 2015, under PAYOFF QUOTE VALID THROUGH XXXX/XXXX/2015, which tabulates the Total Amount Due, to be : {$170000.00}. This is broken down as such : Principal, {$170000.00} ; Interest, {$2700.00} ; Satisfaction Cost, {$10.00} and Late Charges, {$130.00}, for a grand Total Amount Due of {$170000.00}. ( Such documentation was faxed over by me to XXXX XXXX XXXX, XXXX ). However, on XXXX XXXX, 2015, I contacted Ocwen by telephone, primarily to confirm the real estate county tax payment due on the closing date of XX/XX/XXXX and, which XXXX XXXX, XXXX had told me was supposed to be {$2400.00} and which Ocwen had quoted them. The Ocwen agent, by the name of " XXXX '', then quoted me a PayOff amount totaling {$170000.00} which I immediately disputed pursuant to the written quote which Ocwen had submitted & which I re-iterated to him ; and he also informed me that the real estate tax amount due was {$2700.00}, which again I disputed pursuant to their initial quote to XXXX XXXX, XXXX. Immediately after completing my phone conversation with that agent at Ocwen, I received a telephone call from the Closing Agent at XXXX XXXX, XXXX, who told me that she had just been notified by Ocwen, that the PayOff amount due Ocwen had increased to {$170000.00}, while the real estate taxes which I needed to pay off by Certified check at closing had been increased based upon Ocwen to {$2900.00}. However, the real estate taxes have always been in escrow with Ocwen ( the documentation for such was also submitted to XXXX XXXX, XXXX, as I had received it by mail from Ocwen as well ), but which they will not pay to the county until XX/XX/2015, and which now requires that I myself pay it at closing according to XXXX XXXX, XXXX and confirmed by Ocwen. I have had a series of disputes with Ocwen due to the high interest rate of 7.94 % bearing on the mortgage and which I attempted to have lowered via mediation by the Consumer Financial Portection Bureau, but for which I was always unsuccessful thereby creating the circumstance which causes me to sell the home ( at a very signifcant loss to boot ). It is totally unnecessary, vexing and practically fraudulent by Ocwen at this point to have increased the Total PayOff amount as well as the total real estate tax liability which I am afraid I will not be able to recoup from Ocwen.
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| 06/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage.
We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan.
I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}.
I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors.
I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure.
The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX.
I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review.
Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX.
Regards, XXXX XXXX XXXX : Ocwen Mortgage
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| 08/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I am XXXX yrs old and retired and my wife is XXXX yrs old and retired.
We have lived in our home for XXXX years, raised our XXXX children here, and were enjoying relaxing in our declining years and playing with our precious grandchildren.
In addition to this home and others we have owned during our working careers - we never missed any of our XXXX monthly payments for our various mortgages.
In XXXX, XXXX American Home Mortgage Servicing , Inc. provided a loan modification giving us a new 40 year loan.
In XXXX, XXXX Ocwen took over the loan.
In XXXX, XXXX Ocwen added inspection fees to our monthly statementIn XXXX, XXXX Ocwen added more property inspection fees plus certified mail chargesIn XXXX, XXXX Ocwen added late payment fees and property valuation fees We disputed these adjustment to our contract and continued to provide the regular contract specified monthly payments. In XXXX, XXXX Ocwen Research Dept provided these details of our account from XXXX, XXXX through XXXX, XXXX : Property Valuation Fees - $ XXXXXXXXCertified Mail - $ XXXXXXXXLate Charge Fees - $ XXXXXXXXPrior Services Fees - $ XXXXXXXXProperty Inspection Fees - $ XXXXXXXXThroughout the ensuing months we have attempted to resolve this issue but Ocwen subjected us to these unkind tactics : - XXXX of phone calls ( at times up to XXXX per day ) - callers were from many countries outside the USA and never transferred our calls to a knowledgeable person at their US office.
- callers would never have answers to our questions but insisted they needed payment- Ocwen issued additional charges for late payment penalty, property inspections, and other new charges not identified or explained.
- Ocwen ruined our credit scores resulting in much higher interest rates when financing our purchases such as a new car.
- Ocwen issued several " Default notices ''.
- Ocwen has returned the last several of our loan payment checks in order to drive our amount past due up many XXXX of dollars. Seems this tactic was used to scare us and subsequently to justify foreclosure which was ominously mentioned in every letter- Now, last week, Ocwen has hired an attorney who has threatened foreclosure within 30 days.
The stress caused by Ocwen over the past XXXX years XXXX. A XXXX, Ocwen 's harassment, lie 's, threats, failure to conduct business affairs in anything like fair treatment has brought my wife and I to a state of constant worry, fear, and total inability to either enjoy or even survive whatever days remain for us.
I ask for your investigation of this company and hope you can bring us peace of mind by helping us to straighten out this situation and stop the foreclosure proceedings.
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| 07/15/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Greetings, After an escrow analysis OCWEN indicated that if our loan was contractually current, they would refund {$4300.00} in escrow overage. We spoke with their Ombudsman XX/XX/XXXX ( around XX/XX/XXXX ) and they indicated that we need to be current as of XX/XX/XXXX so we agreed to pay XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX and they agreed that should be fine and they would send us the overage. The person stated that it takes a few days for their system to apply the XXXX payment we made on XXXX/XXXX/15 so as of XX/XX/XXXX we were still technically late since we did not make the XX/XX/XXXX payment on XXXX/XXXX/15. This was fine by us and we planned to make XXXX payments of XXXX for XXXX and XXXX on XXXX. We noticed today ( XX/XX/2015 ) that their web site indicated that we are not longer current on our mortgage due to some payment reversals that Ocwen made on XX/XX/2015. They now say we owe for XXXX 2015 in the amount of {$1100.00}. We assume that we then will also owe for XXXX and XXXX 2015 as well. We spoke to their Ombudsman today and they indicated that they are not sure what has happened and agreed to contact their bankruptcy department ( we are in chapter XXXX ) and for us to call back in 7-10 business days. My wife contacted them regarding a similar issue a few months ago and her call was never returned which prompted my most recent complaint before this one to get answers and to get the escrow analysis we requested XXXX months ago. We finally did receive the escrow analysis which indicated that we need to pay the " contractual '' amount of {$2200.00} as opposed to the post petition amount of {$1900.00}. At this point we are not sure what payment to make and do not understand the payment reversals. If we wait 7-10 business days we will be really close to XX/XX/XXXX and the next payment will be due. Should we pay what is reflected on the web site for XXXX 2015 ( {$1100.00} ) or the contractual amount of {$2200.00} or the post petition amount of $ {$1900.00}? It seems to take a while for them to respond to we decided its best to at least file a complaint with you. We are not attempting to be difficult. We just want to know what payment to make and if the escrow analysis they provided is still accurate. Our chapter XXXX was scheduled to be done by XX/XX/XXXX but we are still making the last few payments and we have not been formally discharged. We suspect that their system automatically did these payment reversals assuming we were out of the chapter XXXX. We have no proof of that, just a coincidence that this happened in XX/XX/XXXX. Please help us understand what is happening with our mortgage. Thank you for your help as always.
|
| 01/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XX/XX/2022 I called PHH asking if they had bi-weekly payments. I was told that they did, at first the agent said I couldn't be set up on it if I had automatic bank draft turned on, but then he came back and said I could. They sent me the paperwork to fill out. I completed the paperwork and faxed it back in at the end of XXXX. I received a letter that was confusing about a week later. It didnt say if I was approved, it didnt say when payments would start, but it mentioned making a manual payment which was confusing since I was on automatic bank draft.
I called to get clarity. I was told that I was approved and that the bi weekly payments would start the next month and that I would get another letter with when the payments would start. I never received another letter.
The next month the bi-weekly payments didnt start so I called again. This pattern repeated every month through XXXX. Every time I called I was told something different. One employee told me I had to fill out the paperwork again. I repeatedly asked if I needed to turn off automatic bank draft but was told no. In XXXX I was told I had to make a manual payment for the full month then the bi-weekly payments would start the following week. I asked her twice if there was a chance that they would pull the full amount for the automatic bank draft, but she kept reassuring me no.
I made the manual payment for the monthly amount and then they drafted the full monthly amount. Despite the employee reassuring me this wouldnt happen. They wiped out my checking account since I was not anticipating this. It took a week to get my money back. I asked to speak to management and was never passed on to a manager. Even when my calls were escalated to the escalations team I was still never provided with information on when the bi-weekly payments would be set up. Finally at the end of XXXX I spoke to an employee who seemed to know what she was talking about. She finally informed me they do not offer bi-weekly payments only bi-monthly. They didnt even offer what I had been asking for. Every call I asked about bi-weekly payments and no one ever told me this isnt what they offered. I wanted to pay off my loan faster so bi-monthly was not helpful. Dealing with this company has been incredibly frustrating. I spoke with a different employee every month from XX/XX/2022 to XX/XX/2022, sometimes two different employees and only one employee could actually answer my questions.
Then in XXXX without my consent or knowledge they shut off my automatic payments. I am hoping I never have to call them again because I will not trust anything they tell me. As soon as I can refinance away from them I will.
|
| 11/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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I have kept COPIES all of the XXXX XXXX XXXX BANK Cashier Checks XXXX XXXX money orders for the last 2 years since OCWEN/PHH formed their marriage XXXX Previous OCWEN alone were XXXX amounts. OCWEN/ PHH were {$480.00} amounts.
When I was using OCWEN due to the home insurance here for my place in XXXX jumped to $ 1700 year. OCWEN was then {$790.00} to $ 900 year. So I knew they only covered the cost of the money. Payments went up to {$570.00} I started using them for the 1 year. I RESTARTED a new XXXX XXXX XXXX the rates were {$98.00} month in XX/XX/XXXX. Their rates were less than the others ; XXXX XXXX ; XXXX XXXX, and coverage was the same. OCWEN/PHH came XXXX the with my payments were late XXXX XXXX. I paid the {$24.00} dollars with a separate check. from then on they continued with the scam, to ruin my XXXX rating. It was then, I read about this Case in XXXX XXXX XXXX, Idaho that made me start thinking about the particulars. OCWEN vs XXXX they had the cops evict them from their home and business. Well then my Checks would disappear and show up weeks later but I had already started making copies of everything I sent to OCWEN/PHH they continued to losing my moneys and continued every month with late payments and attacking me with on my XXXX score to prevent me from being able to Refinance. They alone intentionally was looking to stealing my XXXX, by going into foreclosure. I would apply at other places and they would give me answers like you haven't made a payment since XX/XX/XXXX. A lot would just not call back, or say if you raise your FICO we would be interested. My checks always had my ID # number on them XXXX and the Due date as month and day. My XXXX XXXX XXXX XXXX checks were cash through XXXX Bank. The XXXX XXXX XXXX Orders there is a question. Maybe 6 out of the 2+ years. I have my paper trail but getting my XXXX Bank paper trail would be difficult for me. I believe my # is a XXXX #. I get my SS Deposits either on the XXXX of the month up to the XXXX the month. I always purchase my payment between those dates. Everything I SEND always attach CERTIFIED MAILER, plus the copies which proves I paid before the XXXX of next month. I have those but there at the XXXX XXXX XXXX XXXX XXXX XXXX. The payments for XXXX XXXX XXXX they sent back without cashing them. But I have the CERTIFIED XXXX AND COPIES. XXXX XXXX XXXX passed to me my XXXX now less than XXXX. There may be things I should include that are possible but it is now XXXX Sunday the XXXX I could try to send more. My XXXX XXXX XXXX seems over whelmed. I want to take this thru a XXXX XXXX as XXXX, Idaho.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XXXX
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| 05/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I have been trying to modify my mortgage with Ocwen Loan servicing for several years on and off. We claimed Chapter XXXX bankruptcy back in XX/XX/XXXX, and have never been late or missed one payment on the bankruptcy plan. We did not include the mortgage in the Bankruptcy. During that period, I have had many issues with Ocwen. I had some times of late payments, but in the last two years have paid every single month. We received authorization from the court and my attorney to modify, and provided all the paperwork to Ocwen to allow them to modify the loan in XX/XX/XXXX.-The payments have not been tracked properly by them.-During several attempts to modify, they would put me on a pre-modification plan. They most recent was initiated in XX/XX/XXXX, I signed all the necessary paperwork, sent the paperwork via email, and also paper copy with the first payment one month earlier than due via priority mail and made every "trail modification payment" earlier than the due date. In XXXX, I received notice that all the sudden I was declined due to not signing a second document that they claim they sent me in XXXX. I am 100% sure that I never received that document. So now, at their mercy again, they are starting the whole thing over, sending a statement that I have to pay a balloon payment of over $8000, and saying I can try to modify again.- They took all the payments I made during the trail modification plan and reversed the dates and dated them all for XX/XX/XXXX, saying they are "Suspense" payment.- I called today, XX/XX/XXXX and had a schedule appointment with one of the relationship managers, and she said they had no record of the attorney allowing consent. When I pushed and said I mailed it , she said oh yes we do have it, I will have to send it to review and you can call back again. ( Every time I call I am on hold for several hours, yes hours)-They cut off my ability to pay online, so I was forced to mail the payment, because I know how they operate, I sent my payment prior to the due date via priority mail several times, so I had tracking. I have record that it got there prior to the due date multiple times and the payment was held well past the due date before they deposited it.-Every time I call there is a language barrier, and I have to repeat myself several times.They often disconnect me, and say that I will have to reschedule a call, sometimes not being for weeks away.- I have never had a conversation where I feel like I am being heard or clearly understood by them, it always a repeat of steps that always end up getting back to where I started with no resolve. I am aware that I am not alone with these issues with this company.
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| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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We were the victim of a serious loan servicing transfer error in XX/XX/XXXX. Our loan got mixed up with the loan of another individual. The payments we made got applied to the loan of the other individual and a foreclosure was started against us. The mortgage company would not give us information on the other loan that was receiving our payments. Five foreclosure actions were filed against us. In these foreclosure actions the mortgage company and its attorney provided false documents to both us and the courts. The original note and deed of trust were needed to foreclose and the mortgage company did not have these documents. We were never able to resolve this issue. Years went by. The foreclosure started on XX/XX/XXXX. On XX/XX/XXXX, the mortgage company filed their fifth foreclosure action. We filed the defense that the loan was past the XXXX year statute of limitations and XXXX Bank XXXX XXXX was not the real party of interest. There were, also, two names were attached to this foreclosure action. Ocwen did not respond to this action and allowed it to be dismissed. This dismissal action was a confession that the loan was extinguished, destroyed and could not be revived. XXXX Bank XXXX XXXX also confessed they did not own the loan. We waited the 90 days to get notice that the loan had been released. Instead we received a notice in XX/XX/XXXX that PHH Mortgage Corporation now owns the loan and they were commencing yet another foreclosure action. We filed an adversarial action to have the deed of trust released on XX/XX/XXXX. The position of PHH Mortgage was that statute did not destroy the lien and they were going to reargue the case and revive the lien. They admitted the lien was past the statue of limitations. The payment due date was XX/XX/XXXX, XXXX lien had been allowed to be destroyed. It could not be revived. PHH Mortgage made the argument anyway. The argument did not revive the lien.
We did a Qualified Written Request ( QWR ), asking for the identity of the owner of this loan. It was sent certified. We received the notice our request had been received but never received an answer as to who owns our loan. Failure to comply with a QWR is a federal offense. You have to tell the borrower who owns their loan. Another company is also asserting their ownership of the loan. PHH Mortgage Corp. is making false statements to the court and misrepresenting evidence and failing to comply with federal regulations in order to gain ownership of our home. They have allowed this loan to go past the statute of limitations by their own actions. PHH Mortgage should release the XX/XX/XXXX DEED OF TRUST to this loan as legally mandated by statue.
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| 09/29/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR 1026.41 et seq..
Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A.
I have repeatedly complained to this agency, and repeatedly complained to PHH as the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' ) that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : XXXX declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( XXXX ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation.
Furthermore, PHH and / or its agents are willfully failing to acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ).
The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. XXXX ).
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| 09/29/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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PHH Mortgage Corporation ( " PHH '' ) has yet to provide me with a monthly mortgage statement for the payment declared due as of XX/XX/XXXX as required by law, 12 CFR XXXX et seq..
Recently, I received from PHH a statement dated XX/XX/XXXX that states that I failed to make a payment towards the subject account since XXXX and that said account has been in default as of XXXX XXXX. A true and correct copy of the XX/XX/XXXX statement from PHH is enclosed hereto as Exhibit A.
I have repeatedly complained to this agency, and repeatedly complained to PHH as the predecessor to Ocwen Loan Servicing LLC ( " Ocwen '' ) with the latter being the predecessor to Litton Loan Servicing LP ( " Litton '' ) that the accounting history reflected within said statements is false because : ( 1 ) Litton accelerated my mortgage loan upon commencing the first of two foreclosure actions in the Superior Court of New Jersey on XX/XX/XXXX by complaint filed under Docket No. : F-34006-09 declaring a default as of XX/XX/XXXX, a true and correct copy of said complaint is enclosed hereto as Exhibit B ; ( 2 ) PHH, Ocwen, Litton and their respective agents are concealing ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by Ocwens / PHHs predecessor Litton starting with the payments demanded for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX towards a trial modification, followed by payments made thereafter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( See Exhibit C enclosed hereto ), without Ocwens / PHHs predecessor Litton crediting said payments to the subject account ; ( 3 ) PHH, Ocwen, Litton and their respective agents are concealing three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and returned by Ocwens / PHHs predecessor Litton ( See Exhibit D enclosed hereto ) without any legitimate reasons or explanation.
Furthermore, PHH and / or its agents are willfully failing to acknowledge and / or respond to my most recent qualified written request and debt validation letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX that were made pursuant to 12 U.S.C. 2605 ( e ) & 15 U.S.C. 1601 et seq. and 15 U.S.C. 1962 ( g ).
The conduct complained of herein displays continued engagement by PHH and Ocwen in unfair, deceptive and unlawful practices in violation of the XX/XX/XXXX consent judgment entered in in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, LLC, et al. ( Case No. XXXX ) and the consent judgment entered on XX/XX/XXXX in The State of Alabama, State of New Jersey , et al. v. PHH Mortgage Corporation ( Case No. XXXX ).
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| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Another piece of evidence that PHH operates above the law and actively participates in bad faith business practices.
1 ). On XX/XX/2022, I received ( via certified mail ) letter from XXXX XXXX XXXX c/o PHH ( see attached Exhibit A ) in response to my Loan Modification appeal ( " new '' loan modification monthly payment was an estimated double monthly payment - too high ). XXXX XXXX proposed a lower amount and gave me 7 days to respond ; 2 ). On XX/XX/2022, I emailed XXXX XXXX ( see attached Exhibit B ) stating that I received her letter on XX/XX/2022 and that my 7 day window started on XX/XX/2022 NOT XX/XX/2022 as listed on her said letter ; XXXX ). XX/XX/2022, I received an email from XXXX XXXX c/o PHH ( see attached Exhibit C : demanding payment by end of business XX/XX/2022 ( no listed payment amount or source contract depicting agreed to payment simply no payment amount ). Further, in the event that I didn't make said ghost payment " we will not review the account for a modification ''. I called XXXXXXXX XXXX ( XXXX ) XXXX and left a message on her voicemail ; 04 ). On XX/XX/2022, I did response within the timeframe to XXXX XXXX 's XX/XX/2022 letter ( see attached Exhibit D ).
PHH is acting as a debt collector NOT a mortgage servicer who has been tasked to help homeowners, such as myself, through the complicated loan modification process.
PHH continues to prolong and delay said loan modification process by 1 ). NOT having a single point of contact - I have never spoken directly with my " assigned '' XXXX XXXX.
XXXX XXXX didn't send the aforementioned XX/XX/2022 email XXXX XXXX XXXX did. Who is XXXX XXXX? I have know idea as I never knew of her existence prior to XX/XX/2022 email.
My loan modification paperwork has been lost and not mailed previously. During this whole process, I have had a active Trustee 's sale date over my head. I have had strangers coming to my home because of the Trustee 's sale date. I don't know if XXXX XXXX is an real estate attorney however that is dual tracking as depicted in California law.. PHH 's customer service reps are NOT qualified to deal with people 's homes. This has been nerve wracking and certainly not good for our mental health.
I just want to keep my home, get an affordable loan modification and move forward from this financial hardship. I hope we are close to resolve this. I have also be approached by many real estate attorneys who are telling me PHH/XXXX have been sued many times for just what is going on with me here. Just search Consumer data base and you can see all the complaints against PHH/XXXX XXXX
Again, I just an affordable loan modification payment and to be done.
|
| 02/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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My borrower, OCWEN Loan Servicing LLC has repeatedly caused me problems with disbursement of funds from an insurance claim check that I was given for repairs that I have paid for as a result of Hurricane XXXX in XXXX 2016. The XXXX insurance company paid my flood insurance claim within weeks of the loss and as per policy, the {$22000.00} check was written out to me, my wife and the mortgage companies ( OCWEN and XXXX XXXX XXXX ). XXXX XXXX XXXX had an authorized representative in their office endorse the check the day I received it in XXXX. In that time, I had paid a contractor to perform all of the repairs, and had receipts that they were paid in full.
Numerous times I have called their toll free number and was given different requirements from OCWEN representatives ranging from " All you need to do is send the check and we will endorse it '' to a litany of different requirements. When I sent the check in XXXX, it was sent back, unsigned with a letter attached with a list of requirements as if I was waiting to have access to the funds in order to start the repairs. No phone call to clarify why then sent it back unsigned. In the interim, we were given piecemeal different requirements in order to get access to the funds such as copies of receipts, a XXXX form for the contractors, an affidavit which shows that the contractor could not put a lein on the house, among others ( why this was not specified prior, seems to be unknown ). Finally, once they have all of these documents, they ask for us to endorse the check and send it to them. While unsure of why, this process was not going to proceed without it, we reluctantly signed and sent if off again.
The next issue that we came upon is that they did not accept the Adjuster 's worksheet which The XXXX hired to document to damage. They said it was invalid since the adjuster did not work for The XXXX. This caused us to contact the insurance agent and The XXXX for a letter stating that they hired the adjuster for this claim.
They stated that they needed to send an inspector to verify that the work was complete. An inspector came and spent not one minute to verify that the repairs were completed. Another week went by and they claimed that they had received the inspection and that they were sending us the funds. The check arrived today and it was written out to us and the contractor, so we have to go to the contractor to get them to sign it before we can have access to the funds.
It is unbelievable that this could not be resolved any easier. Should I have not had the resources to pay for the repairs, I would still be waiting for the work to start and be without heat in the house.
|
| 08/03/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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Dear Sir/Madame, I am filing this complaint to inform of the misdeeds of PHH Mortgage and XXXX XXXX XXXX XXXX ). My dad who is now deceased signed documents for a reverse loan for his property at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. As the XXXX of the property I am now dealing with PHH, who has added many fees to the original loan and is violating HUD policies. Also the XXXX hired by PHH has misrepresented facts in her appraisal of the property which I have spelled out below.
I write this letter as the XXXX of the property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXXFirst there are a few discrepancies in the appraisal done on XXXX XXXX by XXXX XXXX XXXX XXXX License/Certification # XXXX. We believe that XXXX XXXX has misrepresented the total value of the property. The property value is no more that {$200000.00} to {$230000.00}. This value is based on others property sales in the neighborhood. Please find below what we are asking for, so that we can go back to the lender with real numbers for refinance of the loan..
XXXXWe want to dispute the appraisal XXXXThe XXXX hired by PHH did not compare the property to the better sold comparables. The property is a XXXX and the property was compared to XXXX, XXXX and XXXX XXXX.
XXXX. The other XXXX in the neighborhood/area sold in the range of {$200000.00} to {$230.00}.
XXXXWe are requesting that PHH to do another appraisal. If the appraisal is refused, we will ask XXXX to do it.
XXXXFound in the appraisal the property is listed as a XXXX and should be listed as a XXXX.
XXXXThe minimal improvements are XXXX major components that need repair, the roof and the air conditioner. XXXX XXXX only listed minor repairs.
XXXXWe are requesting from PHH the due and payable package which is item XXXX in the case file.
XXXX. It should be noted that that there is nothing in the case file substantiating the value of the property.
XXXXPHH is in violation of HUD rules XXXXAgain it must be stated that the XXXX is widely misrepresenting many items in the appraisal.
XXXXWe will be filing a complaint against the XXXX. We will file the complaint with the XXXX XXXX and the XXXX Attorney.
XXXXWe will also be sending the appraisal to the XXXX of HUD and CFPB.
XXXXQuestions we would like answered : a ) What happened to the homeowner 's insurance paid for by my dad?
b ) When did the property become HUD insured?
c ) What's the date the lender place the insurance on the property?
We ask that PHH takes these matters seriously, and that all can be addressed expeditiously.
We look forward to your responses.
Respectfully, XXXX XXXX XXXX XXXX of the Property at XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
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| 11/30/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Address XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX ga XXXX and XXXX XXXX XXXX XXXX ga, or XXXX XXXX XXXX XXXX ga, or XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga or XXXX XXXX XXXX XXXX ga ... ..tittle exam in year XXXX and XXXX XXXX on up to XXXX. It end tittle exam on all these companies properties .I am owner and co owner of all the businesses and properties in this text. By way of beneficiary heir. From the old owner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is someone steel my id .my ownership too all of this was due back in XXXX of XXXX. ownership pass due. Please give me CPA accounting. With my deeds too the businesss and bank account as well ... .XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is trustee .to this businesses estate .but the 20 years is up and over. I am make a legal claim too my businesses .the IRS sending me my tax return says I got too pay taxes sense XXXX. Pass due I can go too jail. And y'all too .so let not go there .let 's get this done. Just give me my company and bank account. XXXX XXXX known too the government by address on file. XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX ... ... ... ..I also am requesting a hotel out of the business into all said information is handle rite .I got to get housin the house I'm in is run down .please have the agent in my company too contact XXXX XXXX hotel downtown XXXX ga or city of XXXX ga. Have them too give me a for life estate lease. If not XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ga. I am the beneficiary employer of this company XXXX XXXX XXXX... XXXX XXXX stop decrimantion on me too abuse me call me names retaliation and word like XXXX XXXXor mis treat me because I am not in XXXX religion group .all of this is decrimantion .now if my company has been XXXX XXXX by I'd fraud and theft .please let me now so I can send the police too the location of the fake me .my stulims ckeck go into XXXX XXXX bank. All my id is XXXX XXXX XXXXXXXX bank and XXXX XXXX XXXX XXXX XXXX ga. I am not in a nother place but here .please get a hold of the companies agent too grab me a room .hotel .it cold in this house I don't want too get sick .thanks ... ... .owner date for XXXXXXXX XXXX XXXXs XXXX 120 years ago .owner co owner of XXXX XXXX foundation as well. I am owner of various of businesses .if someone is say they me. Do a credit report .or ckeck they id .I should say my id and house I'm in here XXXX XXXX said XXXX He is not management of this estate. Somebody took his id too .I don't no. Ckeck it out all of this information thanks... ..up top .year XXXX XXXXon all the business .tittle exam year ....
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| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Servicemember |
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WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
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| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
Servicemember |
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WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST EIGHT MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN ! A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM XXXX SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
|
| 01/19/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am lodging another complaint against Ocwen Loan Servicing , LLC because they are committing fraud, submitting fraudulent debt and loan information and pretending to be a bank, mortgage lender, etc. The Office of the Comptroller of the Currency assigned me a case number on XXXX XXXX, 2015 and transferred the complaint to the appropriate supervisory agencies which are The Consumer Financial Protection Bureau ( CFPB ) and The Mississippi Department of Banking and Consumer Finance. The Mississippi Department of Banking and Consumer Finance, State of Mississippi phone number is XXXX or XXXX ( XXXX ). However, The Mississippi Department of Banking and Consumer Finance have not contact me nor did they acknowledge that they ever received the complaint. More importantly, I did a follow-up by calling to The Mississippi Department of Banking and Consumer Finance on XXXX XXXX, 2015 to try to find out about the progress of this case. An attorney with Mississippi Department of Banking and Consumer Finance stated that they would be contacting me about this matter. However, no one from this agency has contact me.Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits ) Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits )
|
| 03/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I entered into a Forbearance program under the CARES Act with The XXXX XXXX XXXX in XX/XX/XXXX. My Forbearance extension was approved in XX/XX/XXXX through XX/XX/XXXX, with regular monthly payments scheduled to resume in XX/XX/XXXX. On XXXX XXXX XXXX my loan was transferred to PHH mortgage. I contacted PHH Mortgage on XXXX XXXX XXXX to confirm my loan was still under the Forbearance program and the representative I spoke to confirmed the terms of my forbearance did not change upon transfer. In XXXX XXXX I received a loan modification letter from PHH that changed the agreement and the terms I had with The XXXX XXXXXXXX XXXX my previous servicer. The letter I received from PHH mortgage required payment due a month earlier and extended my term from 30 years to 40 years with no alternate options for exiting the forbearance program under the CARES Act. I contacted PHH mortgage in XXXX XXXX to ask that they honor the forbearance agreement I had with my previous servicer prior to loan transfer. PHH requested documentation confirming I was on a forbearance program at the time the loan was transferred and advised if I didn't go along with the agreement they would kick me out of the " trial modification ''. In fear of what would happen if I didn't follow their request, I made my XXXX payment. On XX/XX/XXXX I received an email from The XXXX XXXXXXXX XXXX indicating with the transfer of my loan I was removed from forbearance unbeknownst to me.I received a second letter with conflicting information on XXXX XXXX XXXX from PHH mortgage. This letter verified as of XX/XX/XXXX I was on an approved forbearance agreement that was cancelled due to an incomplete application that was submitted 16 months prior. I was never notified the application I submitted 16 months prior was incomplete. On XX/XX/XXXX I attempted to make my regular monthly minimum payment with PHH mortgage and they will only accept a payment of $ XXXX. As of XX/XX/XXXX I was told I have to make an appointment with my Relationship Manager to discuss further options, however the soonest appointment he has available is XXXX XXXX XXXX As of XXXX XXXX XXXX I received another letter from PHH indicating the only option I have is to short sale my home. I feel I am being discriminated against and being bullied into losing my home. When I entered into forbearance in XX/XX/XXXX I was told I would have three options upon exiting forbearance to keep my loan in good standing. PHH never presented me with those options. Please investigate the unfair, deceptive and bullying business practices conducted by PHH Mortgage and The XXXX XXXXXXXX XXXX as they are in direct violation of RESPA.
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| 01/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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OCWEN Loan Servicing has erred significantly on our mortgage payments and escrow funds without explanation or reversal. After several years of making timely payments, including paying down principal each month, the trouble began in XXXX XXXX. We were sent a notice stating that our monthly payment would increase due to changes to our escrow account, so we sent a check in the amount of {$1200.00} to cover the additional escrow and eliminate the increase in our monthly payments. The check was negotiated by OCWEN and applied to our account ; however, we later received a partial refund of the escrow. A few months later, we received notice that the refund was sent in error. We received several statements in XXXX and XXXX, none of which appear to be correct, and all had differing amounts due. We have called OCWEN several times and were told in XXXX that the matter would be corrected in their system by XXXX. The issue is still outstanding and we are left with a {$800.00} deficiency in escrow funds with no explanation. OCWEN has the money, yet it 's not in our escrow account, and they 've sent another statement advising that our payment will increase again in XXXX XXXX. The increase in tax over this time period is negligible, and {$800.00} is missing from our escrow account. There was no disbursement of escrow funds to either tax or insurance to account for this missing money. It is incredibly frustrating trying to get resolution from OCWEN, so we contacted XXXX, the investor in our loan. We will work with XXXX and CFPB to come to a satisfactory resolution with our escrow funds fully reinstated in our favor. We also would like to see an accurate mortgage statement from OCWEN, along with a full amortization schedule for the remaining life of our loan. Finally, we would like a comprehensive and logical explanation about how OCWEN could possibly allow this to happen to seasoned and responsible mortgagees, including what defects are causing this from their automated systems.
Our XXXX XXXX, XXXX statement shows the {$1200.00} payment overpays the escrow shortage.
Our XXXX XXXX, XXXX statement reflects an escrow balance of {$800.00} with no disbursements for tax or insurance having been paid, as these were not due until XXXX XXXX.
Despite having paid the escrow shortage, our statements reflect changes in our payment amounts due from {$3400.00} effective XXXX XXXX, increasing on XXXX XXXX to {$3400.00}, increasing again on XXXX XXXX to {$3400.00}, and an increase effective XXXX XXXX to {$3400.00}. This reflects a total of a {$60.00} per month payment increase, when, in fact, the escrow deficiency was fully satisfied in XXXX XXXX.
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| 12/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....
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| 10/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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We have been through ( if u want to call it that ) XXXX different modifications. Problem is the company Ocwen always refuses to give us any details of the permanent modification until we pay the 3, once XXXX trial payments, which we have always done. If we ask for an upfront look at permament terms we are told u can refuse the trial payments but are not guaranteed this trial or another future trial and foreclosure will continue. You will never see the permanent terms until you pay the trial.Then we get the permanent terms with a balloon payment of {$80000.00}, {$99000.00} or bigger monthly payment which is never mentioned or even hinted at in the trial plan terms. Our house is so far underwater it is heartbreaking. Homes on our street are not selling for {$120000.00}, one sold for {$40000.00} at auction. Our current modification just started including a balloon payment total : {$300000.00}. We can afford {$1100.00} a month and a fair loan balance. We appreciate any help anyone wants to give us but this does not seem like help ecspecially from Ocwen, who seems to lose every document you give them, stretch out the process and continue to add these home inspection fee 's week after week. We are smart enough folks with college degree 's, we know who caused the collapse in 2008 and it sure was not your everyday people like us. Yet, '' not one XXXX XXXX person went to jail '' per XXXX XXXX in last nights debate. We will vote XXXX like we always do but we will never get ahead. The XXXX XXXX folks made XXXX, collected insurance for loses from XXXX and XXXX more in bailouts.People say they paid back the bailouts : It is easy to pay back when u made XXXX in scams and paid only XXXX in fines??? Yet we are only offered {$120.00} or {$80.00} a month off mortgage payment or {$10000.00} in principal reduction, and it is tacked on the end ( Balloon ), or kicker you must pay tax on it.. We have put our blood, sweat and tears in our home. Never late in the fist XXXX years of our mortgage..Finally the real kick in the XXXX. We lost our entire home and contents to a woodstove fire in XXXX 2008. Insurance covered us, and even gave us alot of money for every personal item we lost : My wife and I and XXXX kids, XXXX years worth of stuff. Every toy, clothes, shovel, plates, t.v, stereo, throw rug, Holiday decoration, etc. etc. Alot of money in personal items paid directly to us. My wife and I decided to be smart and put that money someplace almost guaranteed for our kids future. We put it all into building a new house double the size of the one that burned and now our current house is worth much much less then even the one that burned?
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| 05/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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First my mortgageisnot behind and hasnt been behind for a while now. Since XX/XX/XXXX my payments to my mortgage company Ocwen has been rejecting my mortgage payments and treating me as if I am not making payments. I was first told that it was a NSF problem, I didnt investigate it because I had an issue in the past where I had to shuffle my accounts and paid my mortgage on the wrong checking account - I took responsiblity for that error and agreed to the fees, etc.. My account had gotten behind and I used XXXX XXXX get my funds to Ocwen same day and apparently that is the only way I can submit payments since XX/XX/XXXX ( so I learned yeserday ). I was never informed of that unitl XX/XX/XXXX. I have been told it was returned for NSF, then I entered the wrong check numbers ( when they dont even request check # 's online ), then I am using the wrong account number. I suggested several times to them to check and see if my account has any flags and it didnt matter because as long as I have been a customer of Ocwen for many years and XXXX thing is clear, the customer service team ca n't help anyone. I advised the company repeatedly that my account seems to be flagged for no online payments, and every customer service person I spoke to advised me that is not true and continues to advise me to send my payment XXXX or XXXX XXXX. It cost {$40.00} each time to send money, then I am taking on another nsf fee of {$37.00} and my credit score is impacted by being reported late which hurt me when I purchased my new car recently. I have never gotten an XXXX on the phone so I am not sure if there is a language barrier becaseu the urgency of my issue is not being acknowleged or what is the problem but I have been told they would escalate and get back to me, I have asked for managers and I have been lied to that they are transfering me to a manager and I spent XXXX minutes with another representative. I am out of almost {$300.00} worth of fees and then my credit score hgas been impacted as if i am not paying my mortgage, when in fact I am paying it and they are rejecting my payments. I can not go another month waiting for them to fix this issue, I just cant afford to pay XXXX again. I need to speak to a managment level employee to resolve this issue once and for all. I ned Ocwen to provide me the same information every time I talk to them and answer why my account information is not accurate. The customer service number is manned by mindless robots who can not assist real problems. I sent an email to relationship manager and several online emails o Obudsmen. with no resoltion. It is hopeless. Is there anything I can do about this?
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| 05/10/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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On XXXX XXXX I noticed an increase on my mortgage payments and I did n't know why. I called and called many times to Ocwen to explain to me why was there an increase on my monthly mortgage payments. To no avail I stopped making my mortgage payments because they were n't affordable due to the increase. On XXXX XXXX XXXX there was an event conducted by Ocwen to help homeowners that are struggling with their mortgage payments so I attended to this event and spoke to Ocwen face to face and explained to them that I wanted an explanation to why my payment increased and also wanted a modification to lower my payments. The representative that I spoke to that day said that they were n't going to be able to do much for me because i 'm paying a lot of property taxes and that I had to work with my property tax assessors office to see why my property taxes are high. So I went with my to the assessors office and explained to them what my mortgage company had said about my property taxes and they could not figure out why Ocwen said what they said, that there was no increase on the property. At this point I felt confused, So I submitted all of my paper work for a modification and I was denied due to my account being delinquent more than 90 days and second they could not achieve a 20 % of the payment reduction. I was late due to my payment increased and could not get an answer to why my payments increased. And that these decisions were made my the investors g uidelines. So then I went to seek help from a Hud counselor to see what they can do for me. My Hud counselo XXXX started making phone calls to Ocwen until she figured out why there was an increase to my payments becuase something was n't adding up, until she was trans ferred to department to department she finally got someone that was able to help her. We were explained the reason why the increase and it was due to me having two parcels in one lot. We both looked at each other confused like what we never heard such thing. So we said okay and we ended up calling our tax assessors office to confirm abou t the XXXX parcels. One parcel was mine XXXX and the second one XXXX belonged to my neighbor. So all along Ocwen was having me pay my neighbors property taxes and no one at Ocwen had the nerve to correct this error. This was the reason why my payments increased. So we called Ocwen again and explained to them about the situation that they made was a huge error on their part and that it needed to be fixed right away. My property will be in default soon due to this error and they have failed to provide me with an accurate and reasonable resolution.
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| 10/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Problems caused by my funds being low
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Web |
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This has do to with the purchase of a " Short Sale '' Real Estate Contract. I submitted my offer to Ocwen Financial Corporation back in XXXX 2015. The offer was reviewed and left to sit for a few weeks. I was asked to come back with a higher offer towards the end of XXXX 2015 which I did on XXXX XXXX, 2015. I came up {$5000.00} on my original offer and they came back a week later, the Owner asking if I would pay the Attorney fees of {$2000.00} at the closing table I agreed to this. The Owner was good with this. I was told Ocwen would review and have an appraisal taken in the mean time. The Appraisal has not been taken as of today. I never received in writing these terms except for signing the document for the attorney 's fees. I have been told through the process I was the lead contract and XXXX back up contract. As of last weekend XXXX 2015 I received a notice stating that Ocwen was now going to take the property to Auction on XXXX. This was never told to the Listing Agent or Seller or to the Attorney and Mitigation Pros at the time of listing the property for sale. Ocwen has not been honest with their intentions of this property to anyone involved, they seem to have a hidden agenda in their favor. They are now asking the Seller to sign a release in order to take this step towards the Auction. They have a legitimate contract in front of them that they should address and follow through on. If I had known or it was disclosed legally like it should be according to the law I would never have submitted a Contract that was going to Auction especially on XXXX. They now want me to pay the Auction Fees of 5 % of the total purchase price and a standard {$290.00} plus closing fees if I win the auction. Between Mitigation Pros, the Attorney involved for the Seller, myself and the Seller we are absolutely livid with the ethics of Ocwen and taking such a direction. We all feel this is an illegal act with the lack of transparency on Ocwen 's part and should be addressed by your department. I know the other parties are going to submit a complaint also, it is from Mitigation Pros that I received your website link to express my frustrations. It is beyond belief that these kind of dishonest and unethical tactics continue after everything the American People have been through with the recession that the Financial Institutions were a large part of in the downturn.
It is with great respect that I ask you to investigate this issue and make it right. It is for me and other Home Buyer 's wanting to be dealt with fairly and above board. It is expected of myself that I act honestly and with integrity and It should be for all involved.
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| 06/20/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I am an XXXX retired woman who still needs to work to make ends meet. I also receive {$600.00} in SSI. I was diagnosed with XXXX last year and was told I needed to take it easy and only work part time, however, I have not been able to do that. I requested Mortgage assistance w/ Neighborhood Housing of XXXX Florida and was denied, they, in turn, dealt with my mortgage company for over 6 months to get a loan modification to lower my interest rate to 2 % which from I understand am eligible. After months and months of back and forth, OCWEN finally approved and lowered my interest to 2 %, but with a clause indicating to also sign to a balloon which would devastate me and cause me more grieve and hardship. I declined to sign the portion of the balloon but signed and submitted the part of the trial payment for three months which is due in XXXX. I 've owned my home since the early XXXX, and have never been late on a payment. I have been receiving harassing calls in the name of OCWEN from XXXX, and the latest one is a voicemail from an OCWEN representative indicating that my account is seriously past due. OCWEN has been giving me misleading and inaccurate information regarding my mortgage and I am fed up of being taken advantage of. I have dealt with OCWEN in the past for a loan modification through an unscrupulous individual ( who took my money and disappeared ) and according to OCWEN, I did not qualify. Is it legal for OCWEN to grant a loan modification, but at the same time force me to sign a balloon clause that I do n't agree to, or may keep my home when I die? I only have {$60000.00} left on my mortgage and by signing that document, I would have to continue paying that balloon afterXX/XX/XXXXwhen the {$60000.00}. Ocwen has never offered my another solution other than the HARP, I just found out they could have offered another solution, as HARP does not apply to me because I have never missed a payment. Sure I have struggled, just like I am doing now, but a payment has never been late. I also received a communication from OCWEN indicating I no longer qualify for a loan modification because my papers were not submitted in time ( XXXX/XXXX/XXXX ) which is partially true, I only submitted the contract for the trial period signed XXXX XXXX and received by OCWEN XXXX XXXX, this receipt of documents was acknowledged by my " relationship manager '' XXXX XXXX, but he declined my request for the modification because I did not want to sign a document which will jeopardize my finances, my home, and my life. I have made attempts to contact XXXX XXXX to work out a solution, unfortunately, my calls are always outsourced to XXXX.
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| 10/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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Dear Consumer Financial Protection Bureau ( CFPB ) : Please assist with having PHH Mortgage/XXXX provide the document requests listed in this letter and explain the balloon modification cost of {$170000.00} for a past due loan amount of {$29000.00}.
Modification was denied by PHH Mortgage/XXXX because balloon modification cost is {$170000.00} for a past due loan amount of {$29000.00}.
The following requests are being made to have complete evidence of the disputed past due mortgage loan balance of {$29000.00}.
A response to all items listed below is required : 1. Explain why past due balance of {$29000.00} requires a balloon repayment of {$170000.00}? Is it legal to charge {$170000.00} for a loan amount of {$29000.00}?
2. Provide an explanation of why the attached agreed/signed trial payment modification for loan balance {$190000.00} differs from the attached final balloon modification of {$190000.00} + {$170000.00} = {$370000.00} that I did not sign.
a. Trial payment modification differs from approved balloon modification by {$170000.00} 3. Provide complete loan history from XXXX to present including but not limited to : a. Detailed line by line loan payment history breakdown is required because after suspense payments of {$5100.00} were applied in XXXX the past due balance did not decrease.
b. In fact, the past due balance went UP from {$29000.00} to {$29000.00} after suspense payments of {$5100.00} were applied as per mortgage statements dated XX/XX/XXXX XXXX.
4. Provide escrow analysis from XXXX to present a. Because there is an XXXX XXXX of {$24000.00} that it is unclear where it came from.
5. Explain why PHH is currently returning all payments made for the loan as bank statement proves.
6. Provide copy of all monthly statements from XXXX to present.
7. Explain balloon modification cost of {$170000.00} a. Balloon modification offered by PHHXXXX egregiously harms and fails to help or benefit me the homeowner.
b. Abraham v. Ocwen Loan Servicing , LLC Lawsuit - homeowner sued Ocwen/XXXX regarding balloon modification that proved to be detrimental to the homeowner. PHH MortgageXXXX is imitating the same egregious behavior as its sister firms Ocwen/XXXX.
It is my understanding that PHH MortgageXXXX offers balloon modification to its customers in default and those that do not sign are then threatened to deed in lieu of foreclosure or short sale their home.
8. Provide the Summons & Complaint filed with the court to foreclose on my property because I never received it.
a. All communication from PHH Mortgage currently states that I should deed in lieu of foreclosure or short sale my home
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| 03/09/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I filed for Chapter XXXX bankruptcy on XX/XX/XXXX after several repeated attempts for loan modification were denied. On XX/XX/XXXX Owen Loan Serving filed a notice of post-petition mortgage fees, expenses and charges with the bankruptcy court to recover legal costs incurred after I filed for bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because there were no payments made in XX/XX/XXXX. The trustee was holding on to the money to allow Ocwen time to file claim which never happened forcing me to file a proof of claim via my attorney in which I incurred an additional fee.
On XX/XX/XXXX a payment of {$16000.00} was made to Ocwen by my trustee however, Ocwen states they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen responded with a letter that states nothing but facts regarding the case. No one has explained to me why a proof of claim was never filed by Ocwen. Can someone please explain why a proof of claim was never filed by Ocwen causing me to file on their behalf? Also can someone please explain why the payment of {$16000.00} made to Ocwen on XX/XX/XXXX was not receiving until XX/XX/XXXX.
I, XXXX had to file the proof of claim on my own behalf via my attorney which is attached as Ocwen did not file a proof of claim. Had Ocwen done its job of filing a proof of claim via their local lawyer then I would not be in this situation at all. A notice of post-petition is NOT the same thing as a proof of claim. Can you provide reason for not filing proof of claim in a timely manner? Can you also provide a reason for not receiving payment until XX/XX/XXXX when payments were made on XX/XX/XXXX. See attachments. As a result of Ocwen 's negligence in filing proof of claim ; it caused trustee to hold on the payments while simultaneously allowing your Ocwen 's local lawyer to time to file claim. It also resulted in having to file the claim myself which is not in my fault and therefore I should be punished for Ocwen 's local lawyer 's negligence in filing a proof of claim. Previous response does not answer my questions. It only states facts.
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| 10/29/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Dear Attorney General, PHH Mortgage, formerly Ocwen is the service provider of my mortgage relating to XXXX XXXX XXXX in XXXX, CT. For several years Ocwen mishandled my mortgage and has caused me extensive amounts of suffering, lost work, stress, anxiety and financial loss. My most recent situation is pertaining to both a loan modification request and an insurance claim which calls for repairs on the home which need to be completed before the property can be rented. The rental payments are normally transferred over to the mortgage companies for the mortgage payment and I keep {$0.00} of those funds for myself. PHH is a very fragmented organization with phone support spanning across the globe thus resulting in a great deal of misinformation and extremely confusing and inaccurate information being communicated, captured and processed by each of the members of there support team. I have documented the plethora of mistakes made by the company which have resulted in continued delays and strains on me as consumer/borrower. Each and every time I speak to someone at PHH regarding the status of an insurance check which I have requested an exception to complete private repairs ( as they are all surface level updates such as laminate floor replacement, floor refinishing and general cleaning, PHH presents a NEW or additional reason to reject the claim based reasons never before communicated, thus causing me to work more for theam, spend more time out of my life as single father and also prove to them that they have made MORE mistakes regarding my account - all of which they have admitted to and simply apologize for after all is said and done. This has held me in a constant cycle of producing, sending and following up repeatedly on each task they assign me, only to be rejected again for another reason or because their company made an error in processing my requests ... such as indicating that I have a dispute with XXXX XXXX, which I have never communicated with or had any relationship with at all - resulting in 3 hours out of my day trying to convince PHH that the information in their system regarding XXXX is complete false. Then I am told they need to resubmit the request and it's been another week out of my life waiting and following up so that they can then again reject the request for another, never before communicated reason which demands an inspection on the clean up steps I carried out with the original distribution. I know foreclosure is likely looming and PHH has made it IMPOSSIBLE for me to complete the steps necessary to prevent foreclosure and ultimately resolve the issues for both myself and PHH Mortgage.
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| 08/24/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American |
|
I'm filing a complaint against PHH Mortgage, the parent company being OCWEN as I understand. I received a letter from PHH dated XX/XX/XXXX as I do annually from PHH for my condo office to submit the Master Insurance Flood policy for our building for which the condo office always send promptly. They actually sent it twice as they initially said they didn't receive the insurance policy. The last submission by the condo office was sent XX/XX/XXXX. Our condo office complied with the statewide increase in Flood Insurance by giving us a Special Assessment over a year ago for each unit owner to pay thousands of dollars extra for the new statewide increase for Flood Insurance for which I paid. Last year it was fine when PHH received the new Master Flood insurance policy from our Condo office. There has been no other increase in flood insurance for this building as the office would notify us. Now all of a sudden, this year PHH wants to Force Place Insurance on me and other customers. The PHH letter on XX/XX/XXXX states the deficient Coverage Amount is XXXX. This makes no sense that our condo building would not be compliant and it needs to be investigated. Besides, I live on the " XXXX floor '' of my condo building and have never had a flood. This issue has come out before with insurance and mortgage companies trying to do these unprofessional things with customers in condo 's filing complaints as I read, especially for owners on floors higher than the XXXX floor it was over turned and these companies were not allowed to these unethical things. Someone needs to notify PHH of this. I contacted the FEMA Insurance office today XX/XX/XXXX and explained the situation. They felt PHH was " over stepping their bounds '' with asking for money for more Insurance coverage from me when my condo office for the 2nd year has submitted proof of increased full Flood coverage regulated by the state of FL and PHH has this Master Flood policy on file. FEMA Insurance dept., asked me to immediately contact FFIEC and have this examination council to check into PHH mortgage practices. I told the FEMA office I would do this as well as contact your office to file a complaint. As you know from experience going back before XXXX, these Mortgage companies and Insurance companies have both conducted some shady operations with their customers and this one defiantly doesn't seem to be legitimate to me. I am hopeful you will send a letter to PHH or direct me on how to handle this with your support to show the filing of this complaint. Please let me know in the best way possible what to do with PHH Mortgage. I look forward to your reply. Thank you.
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| 06/19/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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This complaint concern XXXX XXXX XXXX XXXX and Ocwen Loan Servicing failure to approve me a loan modification from XX/XX/XXXX.My loan was backed by the Department of Veterans Affairs and neither bank tried to help be keep my home even though the President allocated monies to help veterans. I first applied for a loan modification on XX/XX/XXXX with XXXX. XXXX denied HAMP due to origination dafter after XXXX/XXXX/XXXX and because they were looking for another solution. Since I was denied loan modification, I had to file chapter XXXX bankruptcy on XX/XX/XXXX on to keep XXXX from Foreclosing. I received a foreclosure from letter from XXXX XXXX XXXX, XXXX days after I filed for bankruptcy. XXXX and XXXX XXXX XXXX were unaware that filed. I was told to disregard letter from XXXX XXXX XXXX. While actively in bankruptcy, I continued to apply for loan modifications, and each time ( XXXX, XXXX, XXXX, XXXX ) I was denied. I kept them from foreclosing by exposing them on XXXX. Finally, I was approved for XXXX in XX/XX/XXXX. I paid Ocwen about {$10000.00} to bring account current. Through this ordeal my mental and physical health failed me. They wanted me to be homeless but I fought them to the end. I was placed on administrative XX/XX/XXXX and my gross pay was {$4200.00}, but net pay was about {$2600.00}. I could pay mortgage, utilities, and buy food. I chose to pay utilities and buy food because I was still behind on mortgage payments. I was relentless because my daughter and I would have no place to go, and more than likely I would not be able to get an apartment because of bad credit. It was terrifying to live everyday with the possibility of being forced out of your home even you sought assistance and assistance was there but not for me, a veteran. I was discharged from bankruptcy on XX/XX/XXXX, but I still could n't pay mortgage until XXXX XXXX. XX/XX/XXXX, I received my first XXXX check from the XXXX XXXX of Alabama in the amount of {$2000.00}. {$1400.00} was deposited in my checking account because {$130.00} went to taxes, {$440.00} went to XXXX XXXX XXXX ( single coverage ), and {$11.00} for XXXX dues. I definitely could n't pay mortgage, utilities, and buy food. Once again, I paid utilities and bought food. I applied another loan modification because I lost 50 % of my income. Again, I was denied. From XX/XX/XXXX - XX/XX/XXXX, my daughter and I lived off {$1400.00}. I suffer from XXXX, XXXX XXXX XXXX, and XXXX I am filing a complaint now is because I read an article on the Internet that Ocwen has to pay back billions for underhanded things and foreclosed on people homes. I could have easily been on of them.
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| 07/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Today, XXXX XXXX, 2016 I can not apply for a personal loan to pay for the XXXX to address the XXXX son XXXX is suffering because OCWEN is reporting to XXXX that my home loan is paid in full but still open and OCWEN has pulled my loan completely from XXXX and OCWEN has update the information with XXXX that was incorrect last week when the other bureaus were correct. This instability has been going on all of 2016 since OCWEN posted the {$76000.00} Keep Your Home California funds to my account and the {$5000.00} HAMP incentive funds to my account that I received for paying my loan on time for six years. Once OCWEN posted those funds, they removed my name from the account and have kept my credit score in a constant state of flux. OCWEN told the Attorney General and CFPB that I had failed to get a KYHC document signed and notarized when in fact that document was not sent to me until many months later because OCWEN had removed my name from the loan and they had no reason to send me that document because they had taken my name off ( even though I was the one who had applied for the KYHC funds and those funds were granted to help me and my son ). OCWEN has kept my son and I financially crippled since XXXX 2016 and shows no sign of making a permanent correct to stop harming us financially. My credit score has been going from Excellent to Poor, back and forth and each time I click on the reason why, OCWEN shows as the change. Comments they put on my report cause the score to drop. Untrue information they post causes my score to drop. They remove it, correct it and then post untrue information again and again. The nightmare has been going on all 2016, preventing me from being able to afford a loan to help my son.
XXXX XXXX of XXXX just called to tell me that even if OCWEN begins working to correct this, it could take WEEKS before my score is restored. This means my XXXX son has to XXXX weeks and months longer each time OCWEN repeats this mistake. XXXX ' XXXX due to the delay OCWEN has caused. As is, XXXX is having to XXXX because of problems caused by medications he would not have to take if OCWEN had not delayed his XXXX so many times this year.
XXXX XXXX XXXX XXXX said that OCWEN needs to realize that when they REMOVE my loan, they ca n't just start transmitting updates. They have to put the loan back on before they can transmit updates. OCWEN routinely tries to transmit updates without repairing the damage they have done and they blame the bureaus for this not working. It is 100 % OCWEN 's fault this is happening. XXXX as a result of this unwarranted financial harm which is preventing the funding of his XXXX.
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| 11/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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TO WHOM IT MAY CONCERN : RE Loan Number : XXXXThis is a Notice of Error filed against Ocwen Loan Servicer for violation of CFPB Servicing Rules 1026.41 ( d ) ( 1 ), 1026.41 ( d ) ( 2 ), 1026.41 ( d ) ( 3 ).
According to recent news reports Ocwen is broke and I believe that the company is trying to recoup monies from customers like me so they can pay the monthly advances on delinquent loans in their servicing portfolio.
These blatant violations of federal rules are adversely affecting my mental and physical health.
I am a retired senior citizen, living on a fixed income in XXXX and every penny counts.
That is why Ocwen 's practice of repeatedly increasing the amount of monies they claim I owe is so disturbing.
A quick recap : I signed a modification agreement in XX/XX/XXXX and agreed to pay monthly amount of {$1500.00}. This amount included escrow to pay my insurance and taxes.
I paid the agreed amount on time every month.
Unfortunately, Ocwen does not recognize the terms of our agreement and has changed my monthly payments XXXX or XXXX times since XX/XX/XXXX. Of course, the change is always an increase in payments - not a decrease.
I filed a Notice of Error in XX/XX/XXXX, because Ocwen stopped sending me a periodic statement.
Ocwen referred the complaint to their law firm XXXX XXXX, who responded with a package of information, none of which answered my complaint.
However, Ocwen did begin sending me monthly statements in XX/XX/XXXX. Unfortunately, those statements are filled with errors.
The errors were in the escrow category, and after repeated attempts to resolve the errors over the phone with Ocwen reps, I decided to pay my property taxes and insurance directly, instead of paying into escrow with Ocwen.
In XX/XX/XXXX, I mailed a letter to Ocwen, stating that I am going to pay property taxes and insurance directly, and cancelled the escrow. Ocwen sent me a letter dated XX/XX/XXXX stating it had received my Notice of Error and was researching the issue.
I never received an answer regarding escrow, but paid the {$1600.00} which included escrow in XX/XX/XXXX.
In XX/XX/XXXX, I paid only the principal and interest in the amount of {$600.00}. I refuse to pay escrow to Ocwen because they are mismanaging the funds. It is my right to suspend payment of escrow upon notice given. I have noticed Ocwen of my decision.
What do I want?
I want to manage the payment of my taxes and insurance directly. I will no longer pay Ocwen escrow.
I want Ocwen to correct the errors in my statement, apply my payments to principal and interest, and remove all fees.
Thank you.
Sincerely, XXXX XXXX
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| 08/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint.
In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well.
Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al.
The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!
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| 11/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In an ongoing effort to get PHH Mortgage to remove the PMI from our mortgage ( Loan # XXXX ), in XX/XX/2022 we filed a complaint via the CFPB website against PHH Mortgage ( Original Complaint # XXXX ). PHH Mortgage replied on XX/XX/2022, continuing to deny our request. Their response is attached to this new case.
I have also attached a copy of a revised version of our original complaint document, with RED text inserted so that PHH Mortgage will see point by point where they need to review and address matters previously ignored, and/or where we are providing new and additional evidence in support of our position for their review and consideration.
This new complaint is being submitted because : PHH Mortgage provided no meaningful response ( if any ) to several arguments/concerns we made in our original complaint.
The Deed of Trust document has an error. PHH Mortgage provided a copy of the current Deed of Trust document with its XX/XX/XXXX response, to show that the total acreage of the property financed under this mortgage is correctly accounted for in the recent appraisal report. Upon inspection, I have found that this Deed of Trust document has a significant error with respect to the amount of acreage associated with the XXXX XXXX XXXX parcel, as explained in the attached revised complaint. Also explained in our revised complaint is the fact that the recent appraisal report does indeed neglect to account for the existence of or value of a second parcel of property financed under this mortgage. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect.
A valuable pole barn exists but its value is being ignored. PHH Mortgages response ignores one of our arguments regarding the pole bard on property. In our original complaint, we allege the current appraisal report fails to account for the existence of or the value of a sizeable pole barn on our property, which has significant value. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect.
PHH Mortgage also submitted an important document with hits XX/XX/XXXX response that is fraudulent. We paid for an appraisal as part of this process. PHH Mortgage contracted with a licensed appraiser to evaluate and determine the current market value of our property. In addition to the multiple points of negligence regarding his appraisal report, this appraiser also fraudulently certified in writing that he conducted the appraisal himself, including coming to the property, taking pictures, etc. This did not occur.
Other arguments/concerns as noted in attached.
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| 09/05/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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The property located at XXXX XXXX, XXXX, GA XXXX was purchased in XX/XX/XXXX by XXXX XXXX the borrower and I XXXX XXXX, her husband, was added to the title only at closing.
On XX/XX/XXXX we were granted a divorce and the property was awarded to me. Thereafter I learned that the payments had not been made and was {$4700.00} due which I brought current. I continued making payments until I was laid off and collected unemployment at which time I sought the help of an attorney to assist with a modification. The firm of XXXX reviewed my financials and gave me a schedule which included {$5500.00} for the mortgage company, plus other debts totaling {$12000.00} for 60 months at {$230.00} monthly. until it was dismissed, The loan was with Homeward Residential, Loan # XXXX and sold to American Home Mortgage Loan # XXXX which statements were being sent in my name since I was making the monthly payments after the decree.and quit claim deed was sent for their records Thereafter the loan was again sold to Ocwen Loan Servicing Loan # XXXX and when I tried to communicate with them they refused stating I was not the borrower. I tried for months to communicate but was unsuccessful until I received correspondence in my name that the property was being foreclosed. With the help of a housing counselor we contacted the attorney who assisted with us to be able to speak with a supervisor at Ocwen where I was assigned a Single Point of Contact who scheduled several appointments and gave me information to submit forms and complete documentation for a modification which was done. The foreclosure was postponed and I requested to have the property refinanced in my name which I believed was being done. I later learned that the modification could not be done in my name as my ex-wife was the only one on the mortgage.I was then offered a short sale and took all the steps to provide the required paperwork. I inquired if my father who was living with me at the time could purchase the property and was told yes and had him qualified.. In speaking with the Counselor who informed me that it was unusual to do an arms length transaction and suggested I speak with someone directly in the Short Sale department who stated it could not be done.
At the last scheduled appointment the XXXX informed me that I could reinstate the loan the day before the new scheduled foreclosure sale date which is XX/XX/XXXX by paying the amount of {$47000.00}.
At this point I am requesting your assistance in what can be done to keep my home as it have been over two years and I have had no resolve.without getting the proper information from the mortgage company.
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| 07/30/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C.
Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
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| 04/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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This issue started when my mortgage company XXXX, used my escrow account to pay my 2019 summer tax bill.
My 2019 summer tax bill was paid normally from my escrow account in XXXX of 2019 for the amount of {$980.00}. The following day, XXXX paid an additional {$1500.00} to a separate and incorrect parcel number, using funds from my escrow account. This error caused my escrow account to be severely underfunded, XXXX then added an advance to cover this shortage. I then received a letter saying my mortgage amount would need to increase to cover these new escrow shortages. Based on the amount they had paid to an additional parcel number.
Upon receiving the notice my mortgage had increased to cover the new escrow amount, I immediately contacted them in XXXX and informed them of the mistake. My city taxes were paid in full, and were the amount of {$980.00}. I supplied them documents from my city tax assessor supporting my claims, and was told that the problem would be fixed within two weeks. At this point I was told to wait, and they would let me know when it was all done.
I did not hear from them, unless I called them. They had no answers for me, just that it was in process and would all be worked out within a few weeks. We continued to work with them and when our winter taxes came due in XXXX, the exact same issue occurred again, our city taxes were paid for winter in the amount of {$120.00}, then XXXX paid the same incorrect parcel number in the amount of {$200.00}.
These continued mistakes have caused our mortgage to jump from {$450.00} to {$650.00}. We were told multiple times from XXXX to NOT pay, since the amount would be incorrectly allocated to our escrow, we were told to wait and pay once it had been worked out. The problem is, it has taken the over 6 months to work it out. This whole time they have continued to send us bills, debt collection notices, and foreclosure notices.
This entire time if we didnt reach out the XXXX, we didn't hear from them. They seemed completely unable or unwilling to correct the problem after 6 months.
Two weeks ago we were informed that XXXX had transferred our loan to a different company XXXX. XXXX will no longer talk to us at all, and the problem has not been resolved.
XXXX has absolutely no information on our case, and we have had to start completely from the beginning with getting this resolved. We have received multiple notices of foreclosure, due to our not paying our bill ( As instructed by XXXX ). We are ready to get this current, but so far our escrow account is still incorrectly paying two different tax bills for two different parcel numbers.
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| 05/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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A major medical crisis took place in XX/XX/XXXX for borrower, which caused original delinquency. Then co-borrower lost job due XXXX in XX/XX/XXXX. Borrowers tried to bring the loan current despite a reduction of income and extensive medical debt. Borrowers continued on this course until delinquency hit foreclosure status. At that time borrowers were referred to make contact with a HUD Certified Housing Counseling Agency.
Borrowers began to work with XXXX of XXXX ( A division of The Partnership for Families Children and Adults ) in XX/XX/XXXX. Time line is as follows : 1. Borrower response package was submitted XX/XX/XXXX thru Hope Loan Portal 2. Deemed complete by Ocwen XX/XX/XXXX.
3. Submitted to Underwriting XXXX XXXX 4. Approved for Trail Payment Plan for streamline modification XX/XX/XXXX 5. Trial Payment Plan began XX/XX/XXXX 6. Trial PP should have ended XX/XX/XXXX 7. Status request sent to Ocwen XX/XX/XXXX to check on finalization of mod 8. Status request again sent to Ocwen XX/XX/XXXX 9. Response from Hope Loan Portal Specialist XXXX XXXX of Ocwen Mortgage on XX/XX/XXXX. Response stated *technology issue with Ocwen as the reason the modification had not been finalized or made permanent.
10. Escalated the case thru Hope Loan Portal, direct contact with Ocwen via escalation email and fax on XX/XX/XXXX 11. Final approval granted XX/XX/XXXX with final approval going to attorney XXXX XXXX 's office.
Borrowers made 10 trial payments through the trial payment plan. While in the TPP the borrowers were forced into a Chapter XXXX bankruptcy for self employed business debt XX/XX/XXXX. **Please note that communication with Ocwen continued through the Hope Loan Portal and via telephone AFTER the consumer filed.
Because the borrowers were in an active bankruptcy when the final loan modification documents were approved they were sent to the borrowers attorney XXXX XXXX, even though the borrowers had not included the mortgage in the business bankruptcy. This delay in documents and late post mark of documents cause the finalization to fail.
Appeal being made based on timeline asking for final loan modification to be honored. Borrower was only given 14 days to return documents after final approval. Borrower was not given even 30 days. Borrower made 10 trial payment while waiting on Ocwen to finalize the modification - Ocwen had 310 days in which they did not process the streamline modification, yet only gave the borrower 14 days to respond.
We asking for assistance with escalating to the correct team or unit to OVER TURN or OVER RULE the denial of the final modification based on the timeline.
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| 12/06/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Once again I have to submit a complaint via this channel because you REFUSE to assist me on the phone or the website! My payment was due on XXXX. I always pay online but this month you have a new website and it says a " You can not make a payment at this time call a phone number. I called that number and get someone in a foreign country. I tell them I want someone in the US and I get an argument. I call back again and eventually get XXXX. She says she'll take the payment but it will cost {$17.00} to do it over the phone. Then it's {$7.00} because the website doesn't work. When I do it on the website it's FREE! She finally agrees to do it for free but then wants to apply it to the wrong loan. I have a home loan and a HELCO. She wants to apply it to the home loan which has already been paid for the month! I then call XXXX, who I had spoken with previously because of another issue. He's never available. I leave 2 messages. 2 days later and I don't hear back. I look at the complaint I filed earlier for the same time of issue and find the name of XXXX and a different phone number. I call that number. Message says that XXXX isn't available and sends be back to the Customer Service queue and it goes to someone in a foreign country AGAIN! I end up hanging up because he starts arguing with me! ALL I WANT TO DO IS MAKE A PAYMENT!!!! This is the second time I haven't been able to make payments. Every day that goes by the interest on a HELOC is continuing to add up. I really think this is a way for PHH to make additional money. If they can make it impossible for people to pay then they can continue to charge interest on the outstanding balance! With all of the loans they have this would add up to a lot of money real fast!!!!! I have had this loan with them for less than a year now, it was transferred from Ocwen. In less than a year I have had issues with payments for 4 months now. I have had issues with them and my home owners insurance. PHH claimed that the insurance policy didn't have the correct loan number on it, however, when I used PHH 's automated system it immediately pulled up all of the insurance information. At some point someone needs to step in and get these people in line or shut them down!!!! Unfortunately, the ONLY option the consumer has is to refinance and then there are all of the closing costs which must be paid so it makes it much more expensive! I can't believe that it should be this difficult to just make a payment on a loan!!!!!!!!!!!!!!!!!!!!!!!!!! Absolutely absurd!!!!!!!!!!!!!!!!!!!!!!!!!! I just tried to take a screen shot of the message but now you can't even get in to the site!
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| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have had this mortgage for 10 years and never carried an escrow, I have paid all taxes and insurance on my own. In XXXX XXXX Ocwen attempted to collect insurance, after much hassle and phone calls I had to prove that I had a good policy with XXXX, Ocwen continued to insist that I had to pay insurance a year in advance. In XXXX XXXX Ocwen put an escrow onto my account without contacting me. My county offers a payment plan which I took advantage of, Ocwen decided to make all taxes due despite this. I received my check for tax payment back from Ocwen. After 8 phone calls I finally just paid all taxes and fees to avoid late payments and an escrow. At this time I was told that this " WOULD NEVER HAPPEN AGAIN ''. Two weeks later-it happened again. I called Ocwen and wa told that I had delinquent taxes, i was very concerned so I called my county tax office and confirmed that I did not have any delinquent taxes, nothing due until XX/XX/XXXX. I again called Ocwen and they insisted that the XXXX taxes were delinquent and I owed them another escrow in full. I was then transferred and was told they would " research '' and call me back-16 days later. I waited and was again told that they needed to research further and again told my taxes weer delinquent. Mind you, I had not even appraoched the due date yet. At this time I asked " what should I do? '' and was told, " do n't do anything, this is Ocwen 's error and we will fix the unfortunate situation ''. Weeks passed and I kept calling, same response each time. In the meantime I am incurring late fees, property inspection fees and certified mail fees. On one day I was charged 11 times for certified mail, another day 7 times. I have NEVER received even one certified letter! Multiple inspection fees on one day also. I have called almost 100 times, I have sent multiple letters and emails. Yet today, 5 months later XX/XX/XXXX, I am still being told that I had delinquent taxes and I have to send another letter requesting that my account is researched. I do n't know how to prove that XX/XX/XXXX comes before XX/XX/XXXX except to send Ocwen an American Calendar. I have even said-ok how much can I pay to resolve this? The reps refused to give me a dollar amount. They would not let me give in and fix this. Any internet search shows how historically deceptive Ocwen is. Why are they still allowed to be in the business of taking homes from hard working people?? I have been told by XXXX reps that no foreclosure proceedings would take place but again that was deceptive and they are now threatening foreclosure. Please help to rectify this very stressful problem. Thank you.
|
| 08/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Back in XX/XX/XXXXmy husband and I were struggling financially and our house was severely upside down, we filed for a home remodification. We were given a remodification and signed on XX/XX/XXXX. In XXXX of XXXX, my husband and I began divorce proceedings. In XX/XX/XXXX the divorce was final. Per the divorce decree, I was awarded the house and my ex signed off on the house and he was to immediately begin financial payments since he ignored the judges multiple other requests to send alimony and child support. He disappeared and I never received any support of any kind. I fell into a severe hardship. I was behind multiple payments. In XX/XX/XXXX, I contacted the mortgage company and asked them what I needed to do to reinstate my loan and modification. I exressed that I did not want to lose the house and I needed help. I explained that without the modification back in place I would not be able to keep the house as it is so severely upside down without the modification. I worked with a case specialist who gave me instructions on how to reinstate the loan and modification. I work incredibly hard and came up with the money, purchased money orders and sent it overnight delivery. I worked very hard to come back from that devastating hardship. In XX/XX/XXXX I received a XXXX for the full waived amount of the remodification. I claimed this on my tax return. I was under the impression that after requesting help and following what the mortgage company had indicated that everything was ok. Sometime in early XX/XX/XXXXmy ex changed the mailing address with the mortgage company and I stopped receiveng any correspondence. I found out he did this at the end of XXXX. It is now XX/XX/XXXX, I decided that I need to sell the house and move where there are better job opportunities for me to support my XXXX children as I still to this day have never received any financial support from my ex. I found a realtor and the house went up for sale. Someone made an offer and the sale began. A payoff was requested from the mortgage company. There was a massive discrepancy between what I said the payoff is and what the mortgage company is reporting. When looking into this they have basically told me they can do this because they put it in the contract that way. They said it was my tough luck. I worked very hard to reinstate my loan and modification, had that not been an option I would have had to let the house go as it is still upside down. This is unfair that the mortgage company can trick its customers this way. They are robbing me and saying it is my fualt because it was in the fine print for them to do this. This is wrong!
|
| 11/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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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
|
| 07/30/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C.
Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the XXXX XXXX XXXX for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
|
| 10/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I am a XXXX person, Ocwen loan servicing transferred this loan portfolio since XXXX XXXX XXXX from GMAC in bankruptcy Court. That court 's findings verified & ruled negotiated XXXX modification contract breached, valid, dozens of undue payments & charges & fees. Based on such Ocwen was required to comply but not doing so forced action which I handled for about two years. In requesting Ocwen to comply, Ocwen required undue payments, a un-requested loan payoff & after court overruled Ocwens demurrers & denied summary adjudications, Ocwen now has denied me monthly statements since XXXX XXXX. Ocwen was submited undue charges, fees, placing loan in past due status, sent unrequested loan payoff. now in choosing to litigate issues ruled breached by both bankruptcy & superior court asserts errors in XXXX modification. This caused XXXX of dollars in costs as I rely on Soc. Sec. XXXX I chosed contacting the cfpb & going over Ocwen Consent Order sections pertaining to charges, undue fees, monthly statements & errors on contract drawn by lenders, they still are have not provided monthly statements since XXXX XXXX, where I can see how payments are applied, escrow, insurance, fees etc. the response has been that loan is in litigation that why no statements has been or will be issued. I must emphasized there is still 17 years on my loan. by cfpb mentions these were the same reason why Consent Order was entered against Ocwen, to prevent this from happening again. Ocwen says it 's bank policy not to provide monthly statements if loan is litigated, but I did not see any exceptions on consent Order. How will I verify how payment is being applied with past history of undue charges?. My lop-top computer is not working so I can not go on line. Ocwen 's still do not want to issue statements. in addition upon placing loan in past due status, I have had to certify monthly payments which adds an additional charge which do not have to be. I understand that borrowers are supposed to correct all issues concerning loan charges, fees, within a quarter period. in addition, lenders can not claim errors on modifications per Consent Order sections. claiming errors, blaming customers for such it is outrageous, & using above excuses in retaliation is even more. once confirmed by cfpb officials complaint had merit I now make this declaration. I have evidence of undue payments fees & charges & un-requested loan payoff, bankruptcy court ruling minutes, ruling & order & superior court rulings of breaches and overruled demurrers available upon agency 's request. I have had several XXXX XXXX including a XXXX caused by these problems.
|
| 05/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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|
This is my XXXX complaint against my mortgage company. For this complaint, I called last XXXX to get information for a Deed in Lieu of Foreclosure. I was told by the agent that I had to attempt a short sale XXXX for XXXX before a Deed and XXXX could be considered. Speeding up on the same subject, about XXXX months ago I requested information for a short sale. The information provided had all work out options including Deed in Lieu. I read the information for a Deed in Lieu and it did not say anything about having to do a short sale. I called again and spoke to a representative and agreed with what the paperwork said. She tried to go back in the notes to see why he would tell me that but she said she said since my account transferred to a new system, she did n't have access to anything earlier than XXXX 2014. How convenient. She said I can still attempt a Deed in Lieu but since my house is already up for sale I just wanted to finish out this option first. After submitting the shortsale information, I received correspondence stating that they received my request for a loan modification and I will receive additional information for what is needed. I clearly filled out the information for short sale and not a modification. I added the information for my realtor and her contact information, giving permission to speak with her. Then I received a letter from an Attorney basically suing me and I had to respond to the Answer, which I did. I called last Wednesday and the lady at the law firm could not find anything for me, not even a file. She transferred me to XXXX which just happened to be a mailbox, I explained I just wanted to verify again that it was received. If not, then I can fax the information over. I did not receive a call back, letter or anything. What I did receive today was a Motion for Default Judgment because I failed to respond. I called the law firm again and they were closed. I called the mortgage company, and of course he had no information on file. He suggested I speak with the short sale department and explain the judgment to see what has happened. He transferred me and they were closed. I ca n't deal with them on my own anymore. I keep trying to do the right thing and just not walk away, and sell the house and not leave it empty, but I still keep getting the incorrect information. That is not fair to me at all. I am trying to do right and have a lot of things on my plate besides this and I am still getting screwed. I do n't have the money to hire an attorney but if I have to I will make sure Ocwen absorbs the cost. I have done everything I was suppose to do and I still get sued.
|
| 12/20/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I tried to contact PHH with no luck I am not sure what is going on with the forbearance in XXXX when I did not get any response, we sent the payment, and it was returned my son gave us money which I immediately put in the bank but the bank is saying it came in after the payment on the same day so they returned the check to PHH. At the time of doing all of this my family had XXXX, it was very difficult for us to get anything done with 7 of us sick. We were never notified of it by my bank nor a call from PHH. I went on the PHH webpage to see about the forbearance and that when I saw that the check bounced I right away paid online but they still reported us late I was under the impression that XXXX would be part of the forbearance. That is why I was asking for a forbearance plan we are a month behind we need help. I went on to XXXX XXXX it is showing that I am due for my next payment again we are just getting back on track. My family all 7 of us had the XXXX XXXX in XXXX plus I lost my job which is why I ask to start this in XXXX for 3 months, not XXXX, I ask them to please have a customer service rep call so I can understand what is going on.
We are not 60 days late as you are reporting to the credit bureaus, we are due for XXXX, but it is not late we have up until the XXXX to get you the payment to PHH. We are not in collections. We just need some help like many Americans my husband is a XXXX veteran that was very sick with this horrible XXXX again all 7 of us contracted the XXXX and we short on the payment for XXXX, but I thought the forbearance started when I ask for it in XXXX.
I have sent them numerous emails in XXXX and XXXX never got a response tried calling only to be discounted can not leave messages in mailboxes they are full.
I finally received an email saying they are sorry that it took so long to get back to us and that we have the forbearance started does not say when it started. PHH and now you are reporting us late for XXXX and XXXX which should not be. How can they ignore all the emails that I sent asking for help really begging for help do you think homeowners like to beg for help. Right now because of PHH reporting us late it has affected us terribly we are sinking I feel PHH is treating me like a piece of dirt, I really was counting on PHH to help us I thought they would do the right thing and help homeowners not ignore them and ruin their credit. This is the second time PHH has not followed thru or help in 2019 they misapplied my payment and it took them 6 months to fix PHH needs to be looked Ocwen owners them and Ocwen has been banned from doing any mortgages in MA.
|
| 04/29/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX.
Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage.
XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan.
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied.
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response.
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.
|
| 10/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure.
I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal.
Please investigate.
To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months.
As of today, Ocwen reps do not have and have not resolved the original appeal.
Failed to take into account that I followed instructions.
Cant find the {$200.00} check I sent for the internal review.
Has not addressed this letter and the rep does not even know about this letter.
Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal.
Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account.
Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year.
XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX.
I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX.
The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached.
I do inhabit the home in XXXX.
Please reset my call with Ocwen and my relationship manager to discuss these items.
This information is true and accurate to the best of my ability.
|
| 01/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Ocwen mortgage was recently taken over by PHH mortgage on XX/XX/XXXX ... and unfortunately, our previous mortgage company sold our account to them. XXXX has been rough on many people..us included.
In the early part of XXXX PHH Mortgage, formally known as Ocwen, sent us a refund check for an overpayment of our escrow account. Because we are grieving a loss of a teenage child, we weren't opening our mail consistently. Our bill payments and such were just on autopay and basically, we were dialing it in while we mourned. We finally got around to opening our mail and saw the check and attempted to cash our refund check on XXXX XXXX XXXX. PHH Mortgage, formally known as Ocwen refused to honor the check on XX/XX/XXXX and we received a chargeback from our bank due to the date being stale-dated and returned.
I phoned PHH Mortgage to have them resend the check. I have phoned them once a week for 3 weeks, and they still have not re-issued my overpayment check. The first time I called, was on XX/XX/XXXX. The customer service agent claimed she had all the information she needed after I gave her the returned check number and date.
A week goes by and I call back on XX/XX/XXXX. The check still has not been sent out. This time, the customer service agent who assisted me, stated that the previous customer service agent did not put the date on the check ...
The third call was today, XX/XX/XXXX. This time the customer service agent that answered said the check was not reissued because it had already been cashed!
The call was escalated to XXXX ( customer service ID XXXX ). After the call, I contacted XXXX XXXX XXXX who verified that Ocwen or PHH Mortgage would have been notified that the check had NOT been paid and had been returned.
On XX/XX/XXXX, I also filed a complaint with the XXXX of New Jersey against PHH.
On XX/XX/XXXX at XXXX 's request ( the escalation manager at PHH XXXX ) I sent a letter that XXXX XXXX XXXX sent us in regards to the returned, stale-dated check.
On XX/XX/XXXX I called to follow up since PHH failed to inform me if they had indeed received the XXXX XXXX XXXX documents XXXX ( XXXX ) requested. I was told they had.
On XX/XX/XXXX XXXX ( XXXX ) called to tell me that the escrow check would be reissued and some time the week of XX/XX/XXXX.
On XX/XX/XXXX, PHH sent a secure email to state that the escrow check would not be re-issued because it had been cashed ... all despite having received documentation from XXXX XXXX XXXX on XX/XX/XXXX.
I have attached XXXX XXXX XXXX documentation as well as the XX/XX/XXXX PHH message that denies the request to reissue the check.
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Failure to review and send change of mortgage hazard insurance in a timely manner To whom it may concern : I sent pdfs last week to your company of my interactions with PHH mortgage company since XX/XX/XXXX.
Upon refinancing my current mortgage in XX/XX/XXXX, I was rushed through the process of closing and not informed of the change of payment for my hazard insurance at the time of closing.
Since I did not know my hazard insurance would not come out of my monthly mortgage payments, as was done previously, I did not pay the policy.
My hazard insurance ( XXXX ) was unaware of the change as well and sent payments to PHH requesting that the company pay the insurance fees or sent documents to the mortgagee ( myself ).
I assumed the mortgage company would be paying it, and the mortgage company ( PHH mortgage ) assumed I would be paying it.
The mortgage company did not inform me of this change or of their receipt of request for payment from XXXX hazard insurance and the insurance policy lapsed for a total of 10 months.
CA law states that a customer or policy holder should be notified at least 45 days in advance of insurance being canceled or lapsing in payment. The law states that the mortgage company must send a written document stating the possibility of placing a forced paid insurance to cover the lapse. I did not receive such notice. Nor was I aware that the mortgage company was not paying the bill sent by XXXX insurance to them.
I never received a bill for insurance or a forced paid hazard insurance letter from either XXXX insurance or PHH mortgage at the time of insurance cancellation ( XX/XX/XXXX ).
I received notice of cancellation of my policy 10 months later, in XXXX of XXXX, of which I immediately renewed and fixed the problem.
I am consistently a reliable policyholder who pays on time monthly. I was also proactive in renewing my insurance policy, as it was renewed immediately upon knowledge that the change in payment had been made in XX/XX/XXXX.
The lapse of insurance would not have happened in XX/XX/XXXX if I was made aware by both the insurance company and PHH mortgage company.
PHH mortgage 's refusal to take ownership and penalize me for the lapse of insurance policy, a policy I was unaware had lapsed, is inexcusable.
The company was given ample time by XXXX insurance to provide me with the renewal bill sent to them, both in XX/XX/XXXX and XX/XX/XXXX.
Instead, they waited 10 months until it was too late for me to keep my insurance current, costing me a higher insurance fee and, now penalizing me of a {$1000.00} fee of backpay insurance for their error.
|
| 07/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
During COVID, my uncle fell ill and has since been moved to a facility to assist with his medical needs. During his XXXX XXXXXXXX, the family was not aware of the situation concerning the mortgage of the home that he was living in. The home that he resides in is Estate property that he has been managing since the death of my grandmother ( 5years ago ). We became aware of the default on the mortgage after he went to the facility when I read the foreclosure and notice of sell in the local paper.
We immediately started attempting to contact the Attorney listed on the notice who said " anyone could pay the bill '', but no one could guarantee that this would stop the pending sale. We have tried to call the bank, but they continue to tell us that only the " authorized '' person on the account could speak with them. This caused confusion because the account is assigned to the " Estate of the deceased ''. The bank wouldn't tell us who the " authorized '' person on the account is and continues to stonewall phone calls to handle the matter of the mortgage. After we called the attorney, they said the sale was delayed due to the COVID moratorium and would be rescheduled for XX/XX/XXXX. We have tried every option to communicate with the bank and the attorney to settle the account, but have been denied any level of details about the mortgage. Their only interest is in selling the home that has been in our family for years instead of working with the family to prevent the sale to an outsider. We are willing to settle the balance, but no one ( the bank or attorney ) will talk to us about the balance details. PHH Mortgage and XXXX XXXX XXXX are trying to steal the home away from us during the pandemic without offering any options to help my XXXX uncle or family prevent the sell. The penalties, interest and fees continue to accumulate to benefit no one but the mortgage company and the attorney 's office. There was only a very small balance remaining, but now the attorney and bank fees have almost doubled the amount of payoff. This should be illegal and unethical. We have been attempting to get details concerning the account for the past 2+ months with no success. The bank has just been delaying speaking to us until the end of the COVID moratorium and now we have only days before they try to sell the home. If we could get more information about the payoff balance then we would be able to move forward, but at this point we don't know the status of the insurance, taxes, mortgage balance, etc. so it's difficult to work with a bank whose only goal is to sell the home and not work with the family/homeowners.
|
| 03/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I recently filed another complaint against PHH/Ocwen mortgage company. XXXX. The company has initiated foreclosure proceedings against my home even though I have made all of my payments as agreed in the modification I signed in XXXX of XXXX. At the same time that I signed the modification agreement I also signed an agreement to assume the mortgage that was originally in my late husbands name. Both documents, the modification and assumption agreement were sent together in XXXX of XXXX. I returned both documents in the envelope provided from XXXX by which they were delivered to me. I sent in my first payment according to the modification agreement that same month, XX/XX/XXXX.
In XX/XX/XXXX I received a foreclosure notice stating that no payments have been received since XXXX of XXXX. The companys response to my previous complaint states that no payments have been received since XXXX of XXXX ( discrepancy on their part ) and the assumption agreement was never received. I am providing the notarized signature page of the assumption agreement ( document is named in lower left corner ) which was sent in the same envelope as the modification agreement that they do acknowledge receiving. I am also attaching the cashiers check stubs that clearly show payment to PHH mortgage. With the stubs I am also including the signature cards that show these checks were received by PHH. Finally I am attaching the shipping receipt from XXXX for the envelope sent last XXXX containing the modification and assumption agreements.
This is part of the company response to my previous complaint : Account records indicate that we are still awaiting receipt of the assumption package and a modification can not be completed, and the account will still be in Mr. XXXX name until it is completed. As no payments have been received after XX/XX/XXXX, the status of the account is accurately reflecting as in default and the notice of default was properly sent. In addition, as the account was delinquent, any late fees assessed on the account are proper and as we are obligated to service the account in accordance with the note these fees will not be waived. I have attached the Payment Reconciliation history for review. The account is currently in foreclosure which is on hold due to this dispute.
I would like to know what has been done with all of the payments I have sent since XXXX of XXXX. These payments need to be immediately applied to my account or returned to me.
Something needs to be done besides just forwarding this complaint to the company. They need to be investigated and these types of practices need to be stopped.
|
| 01/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I had contacted the Justice Dept about this http : XXXX and since I was n't currently in the Military they told me to contact you on this site to see if there was anything else that was done for anyone who " Tried to work with their Mortgage company/bank but went into foreclosure because they could n't get in touch with them. I was dealing with GMAC at the time ( 2008 ) and needed to put a couple payments in the rear in order to take care of my daughter but ended up going into forclosure. We tried to ask for a short sale as well but no response. The Justice dept just thought if there was anything I could look into it would be your dept?? Just thought I 'd ask around. Here is XXXX email from 2008.
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2008 XXXX To : XXXX XXXX Subject : Ref Loan # XXXX Your File # XXXX XXXX, I got your email address from your company website so if I should be speaking to someone else please let me know.
This is XXXX XXXX of XXXX XXXX XXXX, XXXX Md XXXX I have been trying " unsuccessfully '' to get in touch with GMAC Mortgage about my Loan. As of today, I 've called XXXX XXXX and XXXX XXXX at XXXX and left her numerous messages. She use to call me back in the very beginning but now I ca n't get in touch with her or anyone.
I 've sat on the phone for over XXXX, XXXX, XXXX, XXXX, etc..etc ... Noone ever answers and I need help ....
When I talked to XXXX XXXX back in the XXXX she approved me going through a " shortsale '' process and we 've had XXXX some people look at our house. The price was lowered XXXX and it is still sitting even though XXXX people have come back 3 and 4 times noone has put an offer on it.
My Realtor XXXX XXXX in XXXX Md, wanted me to find out if there was any way you could help me get in touch with GMAC? I moved my family out into a rental home a mile away and our new address is XXXX XXXX XXXX. XXXX Md, XXXX ... My cell phone is XXXX. I can be contacted on that after XXXX everyday. My wife XXXX can also be contacted at XXXX anytime during the day.
We are trying to be " Proactive '' but we just ca n't get in touch with ANYONE at GMAC.
I know they 're swamped but if you can give us any advice, please do ...
We were even trying to see if GMAC would do a " Cash for Keys '' if that is possible? My home is in beautiful condition as well.
My Realtor thinks it could sell at anytime but we just need alittle more time. The XXXX was turned off at the home though so I would hope GMAC would want to get that turned back on so the pipes do n't freeze.
Please, Please, Please call or write me at your earliest convenience ....
|
| 05/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?
|
| 10/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage servicing was switched to PHH Mortgage on XX/XX/2021. Since that time, I have not been able to pay my monthly payment through their website or app. The only options available to me have been pay-by-phone and Western Union. The problem with this is that both of those options cost me an additional fee ( ranging from {$7.00} to {$17.00} per transaction ) as well as both being much less convenient than paying online or through the app. Per PHH Mortgage 's website and customer service representatives, you can pay online or through the app with no additional fees provided you are enrolled in electronic/paperless billing, which I am - since the very beginning. I have contacted them multiple times ( 10+ ) and spent literally hours on the phone with their representatives as well as their escalation managers. As of today ( XX/XX/2021 ) absolutely none of them have been able to resolve the issue. Several of the representatives were less than helpful at best, and those that tried to help were ultimately unable to rectify the problem. I have been told several different things that were not correct, such as ( paraphrasing ) " your account has been flagged for foreclosure '' and " there's an issue in our web department '' and " you're trying to make your payment during a blackout/changeover period ''. The only excuse I've been given that even seems legitimate is " there is a flag on your account relating to the Office of the President ( of PHH ) ''. The most helpful representative to date has been Escalation Manager XXXX, who gave me a direct contact number of ( XXXX ) XXXX XXXX to reach her. I certainly appreciate her efforts, but she too has been unable to resolve this.
My request ( as I've told so many PHH Mortgage representatives ) is simple : I want to be able to use the methods I'm told are available to me ( web login & app ) to make my house payment in a timely, straightforward manner, and not have to deal with calling in & re-explaining the situation every four weeks to a new representative while having to demand that the payment processing fee be waived since the problem is in their system and clearly not anything I can correct. It has been four months since PHH Mortgage took over servicing of my account, and hardly a week has gone by that I have not talked at length with one of their representatives.
I am now at the point where I need to make my XX/XX/2021 payment and I still receive messages through the website and app that online payments are not available to me.
I have attached a photo of the notice I receive when trying to make a payment online or through the app.
|
| 12/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
In 2013 I had modification done on my home mortgage due to a financial hardship brought on my medical issues. I did it to lower my interest rate and make my payment more affordable. Ocwen mortgage services my loan and has for several year. They offered a XXXX Modification. That was the only option they offered. They said that if I sold the property or refinanced they would take a portion of the equity in the home as payment for me being able to reduce my interest rate. the reduction was only about 1 %. I asked at the time if the XXXX was based on the current value of the home or if it would be based on future value. The Ocwen rep told me it would be based on current value. When the sent me the paper work to sign a rep From Ocwen was on the phone with me at signing to go over all the details, when we got to the portion of the paperwork that discussed the XXXX amount I asked, again before I signed if it was to be based on current or future value. Once again I was told it was based on current value which would be about {$2000.00}. I signed based off of the information I was given twice by there rep. I am currently trying to refinance and cut my interest rate by more than half. When the mortgage service I am going through got the pay off from Ocwen it has an additional {$13000.00} added to it for the XXXX. When I called them to asked how it jumped to that amount they told me because of the current home value. When I asked why they were taking current value instead of the value of the home in 2013 they said because that was what the agreement stated and they refuse to lower the amount. I explained what I was told twice by THEIR rep what the amount was based on and they pretty much told me tough luck, even though their rep was supposed to know more than me and be able to answer my questions knowledgably and gave me false information. I would just have to deal with it and if I wanted to refinance that I would have to pay the extra {$13000.00}. Because that amount raises my LTV so much I am not able to have the loan refinanced because it puts me out of compliance for a new loan. So therefore I have to stay with Ocwen at a higher rate,, and payment and the more my home value increases the more they can take from me. I think when you are closing on a loan, refi or modification and you do n't understand something on the contract and you specifically asked the rep a question and are given a specific answer they should have to stick by the answer given by their rep. After all, the are the experts, not me. I feel like I have been grossly mislead and taken advantage of my Ocwen Mortgage services.
|
| 12/01/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
I am in the process of refinancing a commerical loan. The loan was with XXXX but somw how its being serviced by OCWEN a collection agency. I am NOT in collections nor have I ever missed a payment. The issue is on XX/XX/XXXX my closing company and myself placed a call to OCWEN for a payoff, In doing so the OCWEN customer service agent gave us the date XX/XX/XXXX that we would have the final payoff. On XX/XX/XXXX we again placed another call to OCWEN and we where told the paperwork and payoff would not be ready until the XX/XX/XXXX. On the XXXX I started calling again because we still did not have a payoff figure or any paperwork to make the payoff. About XXXX XXXX called me back stating she just got involved and how could she help. I explained to her the above and she informed me that my relationship magager was not in and they had to pull my loan agreement from XXXX. But she would be able to send me the payoff figure. Again she called me back at XXXX and told me that I had to make the payoff today XX/XX/XXXX or according to my contract or I would owe a full months interest, this being about {$2800.00}. When I stated that could never could happen she advised to my closing company to just back date the paper work and close on XX/XX/XXXX. The closing agent said she would never do that and the new leanding Bank would never agree to this type of fraud. My closing agent asked if XXXX could run this up to a higher manager to ask if something could be would out, she finally agreed. At this point it was about XXXX XXXX and my Bank closed at XXXX XXXX so a closing could never happen.
Well to make a long stroy short, I received a call aback from XXXX XXXX this morning XX/XX/XXXX stating that at XXXX XXXX this morning my pay off was faxed to my closing company with the additional {$2800.00} due. She would not do anything with it. I asked XXXX again about some kind of coursety write off since this payoff was promissed back on the XXXX of XXXX to be in my hands by the XX/XX/XXXX, then told on the XXXX no the payoff will not be ready unitl the XXXX and on the XXXX told it would take at least 24-48 hours more. I truely beleive OCWEN was putting the pay off for this time just to ake the extra {$2800.00} in interest.
I feel that OCWEN works just like they say, a collection agency and will do everything in their power to get as much money as they can from their cliants.
I do beleive this has happen to many others for the same stall tactics they gave me.
Please help me to stop OCWEN from doing this to others and help get my over payment of interest back.
ThanksXXXX XXXX XXXX XXXXLoan Number XXXX
|
| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On or about XXXX XXXX I applied for a modification with Ocwen Loan Servicing LLC on one of my Rental Properties. All paperwork i submitted clearly told them the property was a rental property and I did not occupy the home. On or about XXXX XXXX, I was advised that I was approved for a modification and they required me to make ( XXXX ) reduced payments for the periods XXXX XXXX, XXXX XXXX and XXXX XXXX. The paperwork they sent stated that if I made the payments on time the loan would be modified. I made each prior to the due date and they were all on time and sent them Certified Mail after my third payment I contacted Ocwen and they stated I should continue to make the reduced payments and expect my paperwork be adjusted and a final documents sent to me. On or about XXXX XXXX, XXXX, I received another modification letter that said I needed to make the payment for XXXX XXXX, XXXX XXXX and XXXX.It also stated in error that I certified it was an owner occupied property. I immediately contacted Ocwen regarding the owner occupied error and payment error and they said to sign the paperwork and send the paperwork in and they would correct it. I was also told to continue making my payments. I sent the paperwork in Certified Mail and continued making my payments via US Certified Mail. Each month my payments were sent in before the due date for the following month. On or about XXXX XXXX, I received a letter form Ocwen stating they are returning my payment because it did not satisfy the Re-Reinstatement amount. On or about XXXX XXXX I sent the next payment in which crossed their letter in the mail and it was cashed. On or about XXXX XXXX, I sent another payment in which they returned. I contacted Ocwen in XXXX XXXX when I received the letter and was told they had not received the paperwork. I forwarded them a copy of the Certified Mail Receipt stating that they did in fact receive it in XXXX XXXX and they stated because they lost it they never received and to resign the paperwork and re-send it. On or about XXXX XXXX, I resent the paperwork via Certified Mail.
Each month Ocwen sent me a loan statement reflecting a acceleration of the debt.
I did not hear anything from Ocwen other than the above loan statements until XXXX XXXX, when the loan statement indicated I was now delinquent {$9000.00} and the loan was subject to foreclosure. Within two days, I received a letter signed XXXX/XXXX/XXXX form Ocwen saying my modification was approved. The approved modification had the page removed that I crossed out owner occupied and marked non owner occupied, and now they state the loan is delinquent.
|
| 02/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
My mortgage company is OWCEN Financial and recently my wife passed away from XXXX. Like many households my wife took care of all the bills and finances. My wife passed away on XXXX XXXX, 2015 she was quickly laid to rest and I begun the process of figuring out our bills. I contacted OWCEN around XXXX XXXX to informed them my wife had passed and our household account that was in wife name was frozen. I also informed OCWEN that I would be able to make the mortgage payment in the morning as I had to have funds transferred from another source. I paid the bill on XXXX XXXX 2015 as promised. I was informed that I would have to pay a late fee I was respectfully incensed but agreed. I was also informed that this late payment would be reported to the credit bureaus. I asked again given the nature of the situation would they reconsider not doing that and they told me there was absolutely nothing they could do. My credit at the time was XXXX. With their reporting of late payments my credit score took a dive to XXXX. Now keep in mind our other residence is finance by XXXX XXXX. Like OCWEN I went to XXXX XXXX mortgage gave them all the same documentation they made a call to their servicing center and everything was corrected and no late fee was accessed. Reliable and industry respected resources have told me that OCWEN like XXXX XXXX could have done something given the hardship. I asked XXXX to request OCWEN to reconsider and OCWEN up held their decision. It felt like a predatory type of feeling and experience when communicating with OCWEN. So I started to dig more and I now realize their deal. We had mortgage the house years back when rates where higher and before our loan was sold to OCWEN. I believe OCWEN is quick to ignore legitimate and verifiable hardship and compassion request and quick to use credit reporting practices to lock loans so they ca n't be refinanced. I 'm trying to refinance my house now and after explaining what was my situation I may be able to leave OCWEN. While sitting at my desk I XXXX " what people are saying about OCWEN '' WOW!! Not surprising what I was feeling was further confirmed. XXXX I 'm not the only person having challenges with OCWEN. I mean recent accounts as recent as this year and this month people are having serious and unfortunate experiences with OCWEN. Not to mention that CFPB has had to investigate them in the past. The way they do business is more than borderline sleeze. Not sure what but there needs to something done with OCWEN as people are losing their homes, incurring increase expenses and the customer services experience is for sure predatory.
|
| 09/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My complaint is in reference to the Independent Foreclosure Review paying agent - GMAC Mortgage. My mortgage had been through GMAC Mortgage but they forced me out of our house after calling it home for XXXX years. Apparently, my ex-husband wrote to the Independent Foreclosure Review and asked that the payment be " split '', so they cut him a check for 50 % of the payout. XXXX XXXX tells me they have no checks or procedures to confirm the legitimacy of the request ( XXXX XXXX, so they simply do as they 're directed - by WHOMEVER gives them direction - in this case, my ex-husband who was looking to be wrongly compensated on a property he 's had NO LEGAL rights to since vacating the property in XXXX. He has NO LEGAL RIGHT whatsoever to receive anything from the property. It was written in our Divorce Decree that the divorce documentation would serve as legal documentation should he fail to sign a quit claim deed XXXX anticipating his lack of cooperation even back then XXXX. I paid to have all documentation notorized and recorded with the XXXX XXXX XXXX office.
I have contacted GMAC Mortgage XXXX who thinks I still live at the property in question ), and they will take absolutely no ownership of the foreclosure payout. I have spent months trying to get this resolved through GMAC, XXXX XXXX and even the Attorney General 's office. Since the Attorney General 's office notified me that they can not be of any help, I have tried the Office of the Comptroller of Currency, the Federal Trade Commission and now, I am trying to resolve the issue through your office. I submitted a claim ( initially ) against the Independent Foreclosure Review, but after a week XXXX, I was notified that a claim can not be filed against them ( would have been helpful to have been told this while speaking by phone with a CFPB representative XXXX. No one claims to have the knowledge or ability to resolve the situation and correct the payout, paying me what is due me.
I am attaching the divorce documentation I am referencing as well as a copy of the letter sent on behalf of the Independent Foreclosure Review - by XXXX the Paying Agent.
GMAC should have provided correct, up-to-date payout information to the IFR and XXXX XXXX, XXXX Their record-keeping is and was so poor, they failed to note that my ex-husband had NO LEGAL RIGHTS to the property as of 1999. When I tried to resolve this issue through them, they showed I still resided at the property they foreclosed on. They should be held accountable for wrongly processing my foreclosure and additionally, wrongfully paying someone that should not have been paid.
|
| 01/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We were just made aware of a sale date, by a realtor, there was no letter from PHH or an attorney. The loan was transferred from Ocwen to PHH in XX/XX/XXXX.
The mortgage payment was received by Ocwen and processed in our bank on XX/XX/XXXX the second modification payment, this payment was made with the Ocwen automated system on XX/XX/XXXX.The statement stated ( that we did not receive ) that Ocwen would stop collecting payments after XX/XX/XXXX.
The payment was made before XX/XX/XXXX and the monies were withdrawn from the bank account on XX/XX/XXXX. None of the monies paid into this process has been returned or proof that these funds have been credited to the account.
We did not receive any notice of transfer and finally when we were allowed into the account, of which belongs to the owner who is now deceased, and we are still trying to correct the accounts, the grandson is trying to take responsibility for this account, we can not believe that all of the same documents that was requested by Ocwen is being requested by PHH an Ocwen company.
We have submitted to Ocwen The Family Transfer Package New Homeowner Information Owner Occupancy Certification Assumption of Liability Agreement Applicant Identification Certificate Recored Property Deed transferring title from Estate of XXXX to XXXX Driver 's License Picture Proof of homeowner 's Insurance Evidence that you are a relative of the borrower Now we have submitted three modification packages to PHH with no response but another request for a Family Transfer Package, we completed all of these documents with Ocwen.
Ocwen said we had to do the Family Transfer, the assumption package and then the modification.
While we are trying to find out what we really need to do to bring this loan current we are facing another sale date XX/XX/XXXX.
When you call PHH all of the calls are circular We have tried to make sense of what we can do to save this family home, we have call and spoke to just to name a few XXXX, XXXX, everyone tells you something else and when you call back no one knows what you are talking about. They make appointments they do not keep. First when we were able to speak to someone in PHH, they had already closed the modification. We received mail from Ocwen who was already no longer servicing the loan? The money was taken from the bank account on XX/XX/XXXX, according to the letter that we requested concerning the change of servicing it stated that Ocwen would not accept any payments received after XX/XX/XXXX, they did receive the payment before and debited the bank account.
Please help us save this home.
Thank You
|
| 12/18/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Ocwen/PHH placed homeowner in foreclosure using questionable methods of inaccurate accounting, and has potentially been found to be Dual Tracking ( illegal in MN per the sheriff office phone call ) the process. Phone calls and Emails directly to the company have been made by the homeowners on many different and recent attempts, and outside services have been notified by the homeowners of this unnecessary situation, yet the company has eluded the provision of accurate or relevant answers.
The company seems to have a difficulty applying the payments the company received on time and in advance since the beginning of the loan. ( See submitted paperwork ) They have held payments in a suspense account from XX/XX/XXXX-XX/XX/XXXX charged late fees, sent the suspense money, which was held for 7 months, back to the homeowner, and proceeded with reinstatement quotes in lieu of the foreclosure that was initiated.
The homeowner has repeatedly asked for clarifications without receiving any response.
They have reported to the credit bureaus late payments and foreclosure literally destroying credit worthiness of the homeowner for any future financial decisions. This seems like a hostage arrangement.
There is a financial nightmare that was created because payments were made but not applied.
They have failed to send relevant and timely communication when asked about any statement errors.
The company coerced a poorly structured loan modification with a balloon payment in XXXX by doing the exact same payment withholding practice, knowing that a loan modification would hinder any conventional refinance options.
The Company name has recently changed in XXXX, but the practices have not, and now the company has made the homeowner out to be the one in error, thereby potentially forcing a foreclosure sale ( It is scheduled XX/XX/XXXX at XXXX ) despite homeowners many efforts to dispute and gather any accurate account information, and have the company correct their accounting practices -- mismanagement of funds The MN Dept of Commerce was included in the Complaint.
The MN Attorney General was included in the Complaint in XX/XX/XXXX and has not received any word from Ocwen/PHH.
XXXX XXXX has claimed over the phone ( XX/XX/XXXX ) a foreclosure has been postponed, but as of XX/XX/XXXX, as I type this, there has been zero proof of postponement per the MN state law, so the homeowner will be at the courthouse in MN at the scheduled time in the morning just to verify the accuracy of the phone conversation.
Ocwen/PHH is extremely untrustworthy and has attempted this practice many times on this account.
|
| 10/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Switching Servicer ( s ) ( Ocwen to PHH to XXXX ) during a loan modification : 1 ). Original complete loan modification application was submitted, received, and acknowledged by Ocwen ( see attachment ), 2 ). Switch ; Ocwen to PHH on or about XX/XX/2019, 3 ) Switch ; PHH to XXXX on or about XX/XX/2019 ... 3 servicers switches during the last 6 months. This " switching '' caused NO SINGLE POINT of contact as provided by California Civil Code Section 2923.7. During this " process '' repeated phone calls, messages, long phone waiting times, dropped calls, being " transferred '' to other customer service reps and/or escalation managers ... I did NOT have a single point of contact and/or a decision maker made available to be by Ocwen or PHH or XXXX. In fact my only source of updates as to my foreclosure status was directly with XXXX XXXX as evidenced by the attached XXXX XXXX customer service reps emails.
Dual Tracking - Foreclosure Ban : Ocwen, PHH and XXXX have continually and willfully violated California Civil Code Section ( s ) 2923.6, 2924.11 & 2924.18, the prohibition of " dual tracking '' contained in the Homeowners Bill of Rights ( HIBOR ) when they ( Ocwen, PHH XXXX XXXX XXXX conducted a scheduled foreclosure ( Trustee 's Sale ) of my home.
I DID NOT receive any written loan modification decision from Ocwen or PHH or XXXX. The XXXX letter dated XX/XX/2019 ( see attached copy thereof ) was the FIRST mention of a Trial Period Plan that I was made aware of. As such, I did not have my legal rights to review said loan modification ( 14 days ) and/or appeal said loan modification decision ( 30 days ). Moreover, I was informed by XXXX XXXX " trustee sale date was cancelled with no current sale scheduled '' and by said XXXX letter " As of the date of this letter .... there is no foreclosure sale scheduled. '' Clearly, deceptive business practices as a Trustee sale notice was recorded on XX/XX/2019 ( see attached copy ). " Rest assured, we are here to assist you with any questions or concerns you may have " ( XXXX letter dated XX/XX/2019 ) is a false statement.
Verification of right to foreclose - I have not yet been provided with requested written verification from XXXX pursuant to California Civil Code Section 2924 ( a ) of legal rights to foreclose against my home.
Robo-signing banned - Pursuant to California Civil Code Section 2925.17, I have NOT yet received requested written verification of the accuracy of said foreclosure documents.
My legal rights under Federal and HIBOR laws have been continually violated in plain sight by XXXX with no remorse or accountability.
|
| 08/11/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
Ocwen, a debt collector, is refusing to generate a satisfaction letter to me in regard to a house I have. I do not owe them anything and have documents and proof from them that I have a zero balance with them. After a bankruptcy of which I was discharged from in XX/XX/XXXX, Ocwen who took over a company ( XXXX ) who was on my bankruptcy list of which I had been discharged from continued to send me bills of which I paid for 10 years. I came to find recently that they had no business billing me because of the bankruptcy issue. A lien was placed on my rental property by Ocwen of which I did not know about. I tried to sell the house and the title search showed this lien that I was not aware of. I had XXXX prospective entered into a contract but this lien stopped the selling of the property. Ocwen will not generate a satisfaction letter stating the lien is lifted. I have been requesting this letter for 2 months and all I get is a runaround and being told that it takes 2 to 6 months to receive this satisfaction letter. I have lost buyers, I have spent {$2000.00} due to inspections and repairs needed to satisfy the sale of the home before this lien issue came up. The house is still empty and I can not do any type of selling of the property until Ocwen releases this lien. There was closing date which did not happen and the potential buyer wants to sue me for his accrued expenses in preparing for his purchase of the house. I feel Ocwen owes me not only for the failure to generate that satisfaction letter, but for the 10 years of payments that they received from my of which they illegally collected. They knew that XXXX was on my bankruptcy list when they took over XXXX 's business. What makes it ironic is the fact that Ocwen was the main mortgage holder on the property, of which I am current with my payments, and they so happened took over XXXX 's business when XXXX closed business. They unlawfully billed me and collected money from me from that XXXX account for all the years and I have documents and proof of that. They knew that was taken care of through the chapter XXXX bankruptcy in filed I XXXX and was XXXX in XXXX. Ocwen sent me letters stating that the loan was forgiven and I have a zero balance with them. I have copies of the letters and other relevant documents to support my case. Ocwen is a rip off company and their liscence needs to be revoked. They owe me not only the monies they illegally got from me, but also for the opportunities I had to sell my house but could not because they will not release a satisfaction letter to me to release the illegal lien they have on my house.
|
| 05/04/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Approximate two and a half to three years ago we inadvertently submitted a mortgage payment late ; I believe it was XX/XX/2015. We were never notified that this payment was late. In fact, we didn't know until our homeowner 's insurance was canceled because OCWEN Loan servicing never released the escrow payment to them. This wasn't until almost a year later. So, in that time we had no homeowners insurance on our home, nor did we know that there had been a late payment. Every time we talked to someone it was a different person and we could never get a straight answer. We were put in touch with a " relationship manager '' who we could never reach because we had to have an appointment and we never could seem to connect with them. Eventually we contacted someone from the North Carolina Foreclosure Prevention Fund and they started the process of assisting us with a loan modification. That was six months ago.
For the last six months we have been getting the run around. Every time we get someone on the phone with OCWEN they have no idea what is going on and will not put us in touch with the proper party. Every time we try to get in touch with our " Relationship Manager '' they are not available or they tell us they are working on it. We have submitted numerous documents, jumped through every hoop and just yesterday they told us that because it has taken so long, we now have to redo section 4 of their paperwork, meanwhile for the last 3 years my credit score has been dropping and there is no end in sight.
I have submitted everything they asked for and still it is not enough. Four times in the last several weeks I have had to get letters and printouts from my job about my salary and each time they ask for another piece of information that can simply be gleaned from the information already provided. We feel this is a deliberate attempt on their part. Again, because of their foot dragging the paperwork has expired and we have to start all over again. We really need this to be done. It is putting a huge burden on my marriage and we are in financial limbo because we can not even begin to repair our credit until this is done.
We would also very much like to have them drop the PMI because they are going by the original appraised value of the home from 10 years ago. A truer picture of our home 's value would put us far beyond 20 % equity. Please help us end this nightmare that we entered through no real fault of our own. We desperately want this to end so we can refinance and get away from this horrible company. We are also filing a complaint with HUD and possibly the Attorney General.
|
| 04/17/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This pertains to Case number : XXXX.
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....
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| 06/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Received a XXXX with the Letter F in identifiable event, Box 6 F- Means by agreement according to the XXXX form.
1 ) I have never had an agreement with either OCWEN or XXXX XXXX XXXX XXXX, Please provide me with the agreement. Please provide proof of Agreement.
2 ) Box 7 it says Fair Market Value XXXX ( XXXX ) How did they come up with this? What is it based on? please provide proof 3 ) Box 2 XXXX amount Discharged.
How was this number acquired or reached?
What documentation can you provide to verify the accounting? Please provide proof 4 ) Box 1, Date of Identifiable event XX/XX/XXXX.
How was this date entered based on what facts or documentation, please provide proof 5 ) Whose Creditor Federal Identification Number is XXXX, Please provide proof of funds that were Lent and for what purpose. What Agreement I had with them as a Creditor, Borrower, Show me proof of any Money, funds that I Received or borrowed on my behalf provide check Numbers, accounts, accounting of where, when, how money was transferred and for what purpose.
6 ) Account Number - Whose account number or Numbers are these?
How are they associated with Me?
5 ) Box 5 Was left unchecked? it says if unchecked, the debtor was personally liable for repayment of Debt.
Definition of Fraud : Intentional deception, resulting in the injury to another.
If I was not liable, then How did I have an Agreement with the company or companies submitting this false document to the IRS and Me Via US Mail constituting Mail Fraud 18 U.S.C. Section 1341, the two elements have been provided 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and 2 ) use of the Mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ) Schmuck v. United States ,XXXX U.S. XXXX ,XXXX XXXX. XXXX ( XXXX ) ; see also XXXX v. United States ,XXXX U.S. XXXX ( XXXX ) ( " The elements of the offense of Mail Fraud under ... 1341 are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail and Wire Fraud ,31 AM. Crim. L. Rev. 703,704 ( 1994 ) ( cases cited ) I was monetarly and emotionally injured by the mailing of this document and others associated to it and by these companies.
I am asking for The Attorney General to File a Quo Warranto Action on behalf of the Citizens and consumers of the United States being taken advantage of and being deceived by these companies causing financial damage and loss of trust in the Financial stability of this country.
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| 08/17/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again.
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.
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| 04/30/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back.
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off.
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS.
Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company.
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me.
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!!
Thank you!!!
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| 01/31/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XX/XX/XXXX My divorce was settled and the judge stated my ex-husbands name must come off the XXXX XXXX and XX/XX/XXXX was the deadline or it would go on the market. At the time that seemed like plenty of time to me and I never thought I could be at risk of loosing my home.
XX/XX/XXXX My ex and I filled out all the paperwork and were told we would not have to re-finance that there we be an " assessment '' of the condo and a " processing fee '' and his name would be removed.
XX/XX/XXXX the Assessment finally came in and I got it XX/XX/XXXX. I was told late XXXX I needed to gat a XXXX Deed and send in a {$900.00} processing fee and his name would be removed. We would be done. So I had an attorney draw it up and both I and my ex had it notorized. Then I took it to the court house and filed it with the county clerk. XXXX XXXX is no longer on the deed to my condo.
On XX/XX/XXXX I overnighted the XXXX Deed and a {$900.00} XXXX XXXX XXXX and sent it certified mail.
XX/XX/XXXX The Mortgage company signed for the package.
XX/XX/XXXX XXXX deposited the check. Then passed my file to a new mortgage handler.
XX/XX/XXXX I called to ask for an update on the name removal and they informed me they sent EVERYTHING including the check to the new mortgage handler and I would have to start from the beginning with them.
XX/XX/XXXX XXXX in the XXXX Department told me 2x that the load was modified and that the name would come off within 7-10 business days. I explained to XXXX that I had to report back to my attorney a timeline due the the XX/XX/XXXX deadline and he assured me it might not be the first but it would be close.
XX/XX/XXXX XXXX in Modification Department says the modification is not complete as they need the XXXX Deed. And that there is a 3 month trail before the name comes off.
XX/XX/XXXX XXXX in Modification Department lets me know there is 60days after the trail is complete. Each time I report back to my attorney and the witholding of information is really hurting me!
I typically call every Monday, Wednesday and Friday since XXXX and we are now in to XXXX. The new handler took until 2 weeks before my deadline to tell me me there would be a 3 month trail period then 60 more days. They never mentioned any of this in all of the many many many calls and e-mails. There was never a chance of me making a XX/XX/XXXX deadline. Everyone knew it every time I spoke to them and nobody told me.
Since there was a judgement involved I had been keeping my attorney updated weekly and they are upset also at the treatment I have been getting and urged me to lodge this complaint.
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| 09/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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For the last 3 months, I have received a bill stating that I owe {$1300.00} and I have mailed in the payments in the form of certified check and send the payments certified with a signature to show the payments were received. Well with that being said PHH Mortgage states we are behind and we aren't. We are also in bankruptcy and we wouldn't be late because the company would foreclose on us. Our loan was changed over from Ocwen to PHH Mortgage and now it's saying our mortgage is with XXXX how confusing is this. A company that can't get their act together and has so many complaints against them but trying to mess a homeowner out of their home they have been paying for. Also, stating that a home that is only valued at {$24000.00} and the company pulls up these fake sites stating that the homes in my area are worth anywhere from {$50000.00} to {$250000.00} there isn't a home in my area that is worth that amount. Even the home next door with a tree that has grown through the roof and no one lives in the home because of its a run-down home with termites and all its not livable. But PHH Mortgage claims the home next door is worth {$46000.00} not possible at all. The area we live in is nothing but a run-down drug area and it's sad this company is trying to make something off people who are poor and struggle every day to pay for something that isn't worth nothing more than the value that the county states. It really upset me with all the mortgage companies being able to rip people off as they do. This company really seems like a scam without a doubt. I will be contacting a lawyer with this issue I'm sure I have a lawsuit. Also, our payments use to be {$400.00} and then they went up to {$440.00} and it wasn't supposed to stay at that but they have been getting an extra {$40.00} in a payment every month without anything showing where this is going. Bad enough Ocwen put us through XXXX now PHH Mortgage is doing the very same thing. I see that PHH Mortgage has had many lawsuits over the years.
This started with Ocwen in XX/XX/XXXX and continued to be an issue this whole time. Now that my account was sold over to PHH Mortgage or XXXX in XX/XX/XXXX that is when the issues got worse to the point of them stating I'm late on my payments and not adding the payments that have been made and weren't late. I send all my payments with a certified check and a certified delivery with a Signature required so I know they got it. Before when I would call in it would say PHH Mortgage now when you call-in it says XXXX WHAT?? What kinda scam am I dealing with here nothing is right with this picture.
|
| 10/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.
|
| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I refinanced my home through XXXX XXXX XXXX based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with XXXX XXXX XXXX XXXX XXXX based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is PHH Mortgage didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both PHH Mortgage and XXXX XXXX about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from PHH Mortgage which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the XXXX day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time.
XXXX XXXX responded to the issue as follows : - Company 's Response XX/XX/2021 CONSUMER FINANCIAL PROTECTION BUREAU Reference : CFPB Complaint Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in receipt of XXXX XXXX complaint and inquiry regarding a recent refinance where Mr. XXXX lender , PHH Bank XXXX has not applied the wire that was sent to pay the loan in full. On XX/XX/XXXX, XXXX XXXX XXXX closed the refinance of XXXX XXXX property and sent, via a wire transfer, a payoff to PHH bank based on their payoff statement. According to the PHH payoff statement, the payoff was good through XX/XX/XXXX and the amount that was sent to PHH on XX/XX/XXXX had an amount slightly higher than the payoff demand to cover an additional day of interest. On or around XX/XX/XXXX, PHH returned the payoff wire claiming that the funds submitted were not sufficient. The very next day on XX/XX/XXXX, another wire was sent to PHH to pay the loan in full. XXXX XXXX XXXX followed the instructions and payoff amount that was submitted from PHH. When PHH returned the payoff wireXXXX XXXX XXXXXXXX XXXX took immediate action and worked with PHH to get XXXX XXXX loan paid in full. PHH has been in receipt of the payoff wire since XX/XX/XXXX and XXXX XXXX XXXX has not been notified that the loan has not been paid in full. As XXXX XXXX XXXX has submitted the payoff wire to PHH, there is no additional action that XXXX XXXX XXXX can take in this matter.
|
| 12/23/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX PHH/OCWEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern, I would like for this letter and documentation to go on record. On XX/XX/XXXX XXXX EST I spoke to a representative of PHH/OCWEN by the name of XXXX and he instructed to submit a letter stating my only source of employment is with XXXX and no other entities, which I have attached.
As my conversation continued with XXXX, he stated to me he was instructed along with his other colleagues to cease and decease contacting me requesting documents for my modification application. XXXX, stated to me I have to contact PHH/OCWEN and inquire what documents are needed in order to move forward with my modification request. This does not make sense to me since I am the consumer and they are the processors. How would I know what documents are needed if they dont initiate the request?
I have attached a letter of explanation stating I am only employed by the XXXX XXXX XXXX as a XXXX XXXX. On XX/XX/XXXX I emailed my XXXX Income Tax document along with my last two pay stubs from XXXX and the application for Mortgage Assistance for re-modification.
On XX/XX/XXXX, I applied for a refinance loan instead of a modification. I paid for an appraisal, submitted several documents to the refinance department under XXXX XXXX, three months went by and no one told me that my forbearance had to be brought current before I can apply for refinance. I submitted several emails to XXXX XXXX, wrote several complaints to CFBP, and Federal Trade Commission to get someones attention. After several complaints from me I received a response from XXXX XXXX, Manager of the Refinance Underwriting Department who explained to me she would have to close my refinance application file because my forbearance was not brought current. For the past 14 years I had my loan with OCWEN/PHH mortgage and it has been nothing but chaos and unethical practices with their unreasonable timelines and threats of foreclosure.
I have forward a copy of this letter to the listed below. This is not first encounter with OCWEN/PHH Mortgage as the company continues to undermine their customers During the forbearance process OCWEN/PHH repeatedly request the same documents, therefore dragging out the process until stated deadlines have passed and disqualifies me for possible mortgage assistance.
XXXX XXXX XXXX Cc Department of Housing Fair Act US Department of Housing and Urban Development District of Office of Attorney General XXXX XXXX Consumer Financial Protection Bureau
|
| 06/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX
I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX
We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by XXXX. We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising, a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website.
At this point, we are lost, feel like victims of a scam, and don't know what to do.
|
| 12/21/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Background Information : My father, a XXXXXXXX XXXX, had a reverse mortgage through PHH Mortgage. He died XX/XX/XXXX from XXXX XXXX. My Mom fought through endometrial XXXX and XXXX XXXX in XXXX while my father fought and lost his fight from XXXX XXXX. In XX/XX/XXXX, my Moms endometrial XXXX returned. My sister and I became her power of attorney and spoke to PHH Mortgage in XX/XX/XXXX. We explained that our Mom was traveling back in forth from the home that she shared with my father in XXXX, SC ( property with reverse mortgage ) to where we both stayed in XXXX XXXX, SC. PHH Mortgage explained that we needed to send a letter from her doctor along with the power of attorney. We emailed all of this information along with our names and contact information on XX/XX/XXXX. My Mom was labeled terminal in XX/XX/XXXX and died XX/XX/XXXX. Both my sister and I are trustees of her estate. My sister was contacted on XX/XX/XXXX on XXXX by an attorney who notified us that she was contacting us on behalf of the buyer of the foreclosure sale of our parents property in XXXX, SC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX on XX/XX/XXXX.
Complaint : 1. There was no communication to us ( either my sister or I, both of us were listed on the power of attorney ) even after the power of attorney was sent.
2. PHH Mortgage used improper communication and incorrect foreclosure process according to SC code XXXX.
In the instance of an execution to a sheriff in which personal property must be seized and sold in a judicial sale, the procedure and terms of the sale are dictated by another set of rules found at 15-39-610, et seq. Where the sheriff is responsible for the execution, he must specify " in an advertisement the property to be sold, the time and place of sale, the name of the owner of the property, and the party at whose suit the sale is to be made. '' ( XXXX ). The advertisement should be published at three public places in the county, one of which should be the courthouse door, and another in a newspaper, for a period of fifteen days prior to the day of sale ( XXXX, XXXX, and XXXX ). Additional particulars of sheriff 's judicial sales are set out in Chapter XXXX, XXXX XXXX, at XXXX, et seq.
The sale was posted in the newspaper on XX/XX/XXXX with is not 15 days prior to the day of sale.
Was the sale advertised for three ( 3 ) weeks immediately preceding the date of the sale?
The sale ( XX/XX/XXXX ) was not advertised for XXXX weeks We feel that these unlawful intentional XXXX disparities have been occurring more in rural/minority controlled areas for a long time.
|
| 10/28/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment.
On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014.
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account.
I filed a complaint with the Better Business Bureau. The case number is XXXX.
My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue.
How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating.
I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest.
Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?
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| 02/18/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Credit decision / Underwriting
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Web |
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My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.
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| 11/14/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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The law firm assisting me with my mortgage issues, submitted a financial package to be reviewed for all options including, but not limited to a loan modification, XXXX modification and partial claim, and stand-alone partial claim. The financial package was submitted to PHH on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and was told that a letter went out that they need XXXX pay stub dated within the last 90 days to make a complete financial package. They confirmed that once this document was received, the foreclosure would be placed on hold while my file was in review.
I sent my XXXX most recent pay stubs ( even though they only requested XXXX pay stub ) to my law firm who emailed them both to PHH 3 times in pdf format on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and the rep confirmed they received both pay stubs.
My law firm followed up again with PHH on XX/XX/2023 and were told that the foreclosure was still active, that neither of the XXXX pay stubs were legible, and that they would need to be resent. My law firm confirmed with PHH that they were looking at the exact same PDF that they emailed on XX/XX/2023, which they confirmed they were looking at the same. I reviewed the PDF with my law firm that they sent to PHH and it is completely legible! Every word and number on the page is able to be seen without issue. If you zoom in, everything is even easier to read. My law firm explained to PHH that a PDF document doesn't change or become less legible when emailed so there is no way for it to be illegible to PHH and legible to the law firm and me.
I sent my law firm my most recent pay stub on XX/XX/2023 and they emailed it to PHH 3 times that same day. When my law firm followed up with PHH yesterday, XX/XX/2023, they were told that the pay stub was received, but the file was still not deemed complete. They also said that a sale date is now set for XX/XX/2023 and they couldn't guarantee the foreclosure would be placed on hold or the sale withdrawn due to the sale date being within 37 days.
This is completely unacceptable! I have attached the exact pay stubs that were provided to PHH back on XX/XX/2023. You will see that everything on the page is legible enough to make out all the words and numbers on the page. If you zoom in, they become beyond easy to read and see. My file should have been deemed complete and the foreclosure placed on hold no later than XX/XX/2023 as PHH said would happen. The sale date never should have been set! My hardship is over and I can afford my home and I am ready to get back to making payments.
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| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello, I am submitting a complaint for resolution against my lender XXXX XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX First of all I, XXXX XXXX is submitting this complaint and not a third party on my behalf. pls contact me at XXXX XXXX XXXX or email XXXX if need further verification- call me or email. I have received emails from my lender on XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX as well clearly stating that if I reach out to them they my lender will go ahead and extend 90 days forbearances which will expired XXXX. In XXXX, I tried to contact my lender and overnite request on XXXX to extend the forbearance per their emails - proof attached. I was able to speak with my relationship manager, XX/XX/XXXX. My relationship manager, unfortunately, informed me on a recorded line The lender will not honor the email that was sent out on XX/XX/XXXX and XXXX -- - PROOF ATTACHED- that clearly states if I called, they will extend forbearance. I was also not informed in writing or via email that after XXXX months they will never give an extension. this email contradicts the phone conversation that I had with the relationship manager. I believe the lender shall not be allowed to send misleading emails to borrowers at this time that we are all struggling due to job loss and health issues. the email is a part of my complaint it is confusing it is not clear and it is misleading. Please read the letter below my lender will not give me access to my account via the Internet, I have to call my relationship manager directly I am not sure what is the reason for cutting my access to my documents. I NEED XXXX DAYS I am XXXX and going through a divorce as well. I can proof my Hardship do to XXXX as well in court.
-- -- - Forwarded Message -- -- - From : Relationship Manager XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/XXXX, XXXX XXXX PDT Subject : Important Account Information Dear XXXX, Please be advised that your COVID-19 forbearance plan will end on XX/XX/XXXX. Please contact us using the phone number listed below should you wish to extend the plan. This account has been assigned a Specialized HRD Escalation Agent as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact ( XXXX ) XXXX to speak with the Specialized HRD Escalation Agent, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday 9:00 AM 6:00PM ET
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| 03/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage is our mortgage provider. Our loan was purchased by the company in XXXX from our original mortgage provider. Our mortgage is escrowed for our taxes and insurance. We have never missed a payment and have always paid our mortgage in full and on time.
On XX/XX/2021 I noticed that our escrow disbursement for property taxes did not match the quarterly tax bill sent by the city- it appeared to be underpaid by {$630.00}. I immediately called the company to report my concern. I was reassured that the bills were being paid through our escrow and it was not a concern. Not believing this to be the case, I followed up with an email ( provided ). I was told to mail a copy of my tax bill, which I promptly did, but received no response. I followed up and was informed ( now XX/XX/2021 ) that it was not received and instructed to email the bill instead. After emailing the bill, I did not receive a response until I followed up on XX/XX/2021.
On XX/XX/2021, I received a notification from the company that the tax team followed up with the city and that they confirmed taxes were not owed until XXXX but failed to answer my initial question. I followed up to reiterate the question and was told that the company handles the escrow and provides a " cushion amount, '' dismissing my question.
In XXXX we received a notice from the city that we were delinquent on our taxes. We followed up with the city immediately to learn that PHH had not been paying our property taxes. Upon a call to PHH we were told the payments had been paid. At this point we threatened legal action which elevated us to the escalations manager.
In late XXXX we learned that our property taxes had been dispursed to the incorrect parcel starting in XXXX. From the city 's perspective, we are now significantly delinquent in property taxes, owing over {$9000.00}.
PHH Mortgage has been working on the case since XXXX. We have been told that they will be refunding our escrow and will be covering the interest due and additional fees from the city. Every week I receive a phone call updating me on the case, with the only update being that there is no update.
In XXXX, we received a notice from the city stating that if our property will be placed on the market in XXXX if the taxes are not paid.
We have called PHH Mortgage on a regular basis to speed up the process, but it seems to be going nowhere.
We are first-time homeowners who feel frustrated, terrified, and unable to pay for a lawyer. When our mortgage was sold to PHH - I read the reviews on the company and considered refinancing. I wish we had.
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| 04/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I lost my job on XX/XX/XXXX and was offered a forbearance agreement by PHH Mortgage that will allow me to skip 3 months payments but then have to pay all 3 months plus the current month in XX/XX/XXXX ( a total of 4 payments totaling {$9100.00} ) which will be impossible on my unemployment income which is 18 % of my regular income. This solution will put me in default on my mortgage and I then risk losing my home to foreclosure. This is a strategy that is very similar to the one banks and mortgage servicers offered during the financial crises where they advised homeowners to miss payments only to then aggressively foreclose on borrowers who could not pay the missed payments in one lump sum. I am alerting the CFPB that their solution is not viable and will result in massive foreclosures as we saw in XXXX, XXXX and XXXX when borrowers were unable to pay missed payments.
PHH also used the following language in their forbearance letter to me : " Upon completion of this plan, the accountholder will be required to resume making regular monthly mortgage payments. However, other long-term mortgage assistance options may be available at that time. Before the end of the plan, we will contact the accountholder to discuss available mortgage assistance options for repayment of the deferred payments which may include a repayment plan, a payment deferral, or other loan modification options. '' This is exactly the kind of language that allows the servicer to control the foreclosure process in 3 months. By using non-committal language they are able to scam the borrower into a forbearance program without any specific solution in writing. And once the borrower is 4 months behind, technically in default on their loan the options they have are minimal. I know this as I fought in XXXX to keep my home and I am very aware of the mortgage servicer tactics they used and they are using the same ones in XXXX.
Thus I have requested a 6 month mortgage deferment ( in writing via a certified return receipt letter ) from PHH so that I can have 6 months placed on the end of my loan. I only have 15 years left on my loan and if I have 15 years and 6 months left it will not make a big difference. However, falling 3-4 months behind while earning 18 % of my normal income during this pandemic will make a huge difference and I risk losing my home to foreclosure.
Please help me work with my servicer PHH to get a workable 6 month mortgage deferment placed on the back end of my loan instead of a 3 month mortgage forbearance that would put me at risk of foreclosure.
Thanks XXXX XXXX XXXX XXXX
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| 03/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage loan servicer, Ocwen Loan Servicing, has breached the forbearance agreement by changing the terms and they did not notify me. I happened to go into my account today and I see that I am delinquent when I should not be. I have been following the terms of the agreement I had agreed on for over a year now. Suddenly the payments have changed. They have increased. I was shocked to see I was still owing for XXXX. I called up to Ocwen confused as to why my payments are different now and the first agent I spoke to, XXXX, said that I was delinquent on the taxes and that the taxes 'had not been paid '. This did n't sound right ( and I later found out she was incorrect ) because Ocwen has been paying the taxes for me for years. I have been escrowed with the taxes. The agent gave me inaccurate information by continuing to assert that I was suppose to be paying the taxes. So I requested an " escalation representative '' and she transferred me to " XXXX ''. XXXX researched my account and said that no.. the previous agent was wrong. She said that Ocwen had been paying the taxes and she then said that it appeared someone had gone into the system and 'changed the agreement ' that I had agreed to in regards to the Forbearance agreement. She could n't understand why they had done this and she then transferred me to XXXX ( a home retention agent ). I asked for XXXX to remain on the line after she offered but XXXX refused to speak to me unless XXXX dropped from the line. He said his computer system would not let him even pull up my account while the Ocwen retention agent was online ( even though she had bagged out of my account ). I knew this was a lie. So at this point I told him and XXXX that this was the third or fourth time my forbearance agreement had been changed without any notification to me or consent from me. I asked her to have her manager call me. The call was concluded. The call was made on XXXX/XXXX/2015 at around XXXX XXXX.
I have had such trouble with Ocwen. Starting from them over-billing me, Locking me out of my home and trashing my home and putting foreclosure all over my credit reports for two years when I had never been foreclosed. I have prayed for some type of relief. I thought after the previous lawsuit I had found relief. But now nothing has changed. Ocwen is back to changing agreements without notification or consent and I am now again in danger of losing my home. I pray for the CFPB to help me. Please put me in touch with an attorney. Or someone who can help me. No one cares about the little guys. No one cares about us. Please help me.
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| 12/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen has not followed the CFPB rules regarding setting a sale date of my home while my modification application was under review. Ocwen claims that XXXX streamline modification offers were sent to me, XXXX XXXX/XXXX/XXXX and the XXXX on XXXX/XXXX/XXXX, offers I did not received. However, I did receive a denial letter for XXXX of the streamline modification offers on XXXX/XXXX/XXXX, it took Ocwen six months to send a denial letter in response of the second modification offer, I did not received any denial for the first offer. ( Please see attachment XXXX, a letter that discusses XXXX different issues, please read the second part of the letter ) At the same time, a sale date for my home was scheduled for XXXX XXXX, XXXX. I filed bankruptcy on XXXX XXXX, XXXX and somehow, the sale date was canceled.
Ocwen never sent these XXXX offers, anyone can see the discrepancy that there is between the XXXX of them : First, the time between the XXXX offers, the XXXX offered on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval note on XXXX/XXXX/XXXX. The first trial payment scheduled less than a month after the offer was made. The second offer sent on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval on XXXX/XXXX/XXXX. There is no way, that streamline offers were send so close to each other. Then the amounts on the first offer {$800.00} and on the second {$1200.00} the difference of {$420.00} is quite high. At that time they did not know anything about my income, even if I did the trial payments there was no way that I was going to be approved for permanent modification.
In addition, I can prove that the XXXX modification offers were never send to me : First, on XX/XX/XXXX I sent a complete modification application package with the help of my attorney XXXX XXXX XXXX, why I will be sending complete modification packages on the same month that a trial payment was offered to me? Second, I have received mail belonging to another homeowners since Ocwen bought my loan, most recently ( please see attachment XXXX ). When I called Ocwen to let them know, the representative who answered the phone stated that " was a computer mistake ''.
Also, Ocwen keeps reporting that my home is empty, even that I have proven occupancy, many times. Inspectors have been ordered to go to my home and change locks, I have talked to them and they promised to inform Ocwen, but still they force an insurance on me, canceling the hazard insurance that I had in place.
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| 05/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We have been attempting to resolve an error made by our loan servicer for weeks and have not received any of the promised call backs nor have any of the issues been resolved. Ocwen incorrectly calculated our escrow by adding an additional " special district tax '' to their calculations that did not exist and was a duplicate of our normal county taxes. We called them on or about XXXX XXXX, 2015 to inform them of the error and were told that the correction would take approximately XXXX days and that the tax amounts would be updated, a new escrow analysis run so we would know what the correct amount to pay would be for our XXXX payment. We called Ocwen back on Friday and learned that the tax amounts had not been updated nor had the new escrow analysis been run. They advised they would escalate the request and it should be resolved with in XXXX days and they would call us back. We called back back after XXXX days because we had not received their call back again and found out the tax amounts had been updated but the escrow analysis still had not been run. We were assured the analysis would be run and made effective for the XXXX XXXX, 2015 payment and that they would call us back to let us know it had been completed. Again we did not receive a call back. We called today to find out the new analysis had been run, but was not effective until the XXXX payment. We paid {$1200.00} in XXXX for the XXXX payment. Due to Ocwen 's error in recording our tax data, and inaccurate escrow analysis, the amount we paid in XXXX for the XXXX XXXX payment was applied entirely to principal instead of as the regular principal and interest payment. We have scheduled a payment for XXXX for {$300.00} more than the normal amount to ensure there is no negative credit reporting due to the multiple errors committed by Ocwen. Today the advised us they could not correct the escrow without sending yet another request to another area because of the time, XXXX eastern, and that " not much got done on Fridays '', but they again assured me they would call us back, although they 've failed to meet that commitment the last XXXX times. In short they 've miscalculated our taxes, run an improper or incorrect escrow analysis, misapplied our payment, and I believe violated RESPA as well as multiple fair and responsible servicing standards. We are now being financially harmed by Ocwen because we are being forced to pay more than we owe for our monthly mortgage payment and they have shown no urgency in resolving the issue although we 've given them multiple chances and ample time to correct the problem
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| 05/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Settlement process and costs
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Web |
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I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release
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| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I received my home in a divorce in XX/XX/XXXX. I immediately notified the OCWEN mortgage company providing them a copy of my divorce decree. I also requested information on my mortgage even though my ex-husband was responsible for the mortgage. My name was not on the mortgage so they refused me any information.
In XXXX, they filed suit against me and my ex-husband for foreclosure. They later dismissed the case without prejudice because they realized that my name was not on the loan. I contacted them again for information and was again refused stating I was not the account holder.
In XXXX and XXXX, I filed for bankruptcy to save my home and obtain information to pay the mortgage. I requested a modification and was denied stating I needed written authorization from the account holder.
After filing a complaint with the District of Columbia 's Department of Insurance , Securities and Banking, the PHH Consumer Account Analyst in the Office of the Consumer Ombudsman sent a letter dated XX/XX/XXXX stating, " Our records indicate that we have not received authorization from the accountholder to provide account specific information to Ms XXXX. Therefore, to protect the accountholder 's privacy, we are unable to release any information regarding the account. '' On XX/XX/XXXX, the Bankruptcy Court concluded that the best interest of creditors and the debtor is to dismiss the case so that the debtor may pursue remedies outside of bankruptcy and negotiations with her mortgagee.
I made several Qualified Written Requests to OCWEN and XXXX/PHH mortgage companies from XXXX to XXXX. On XX/XX/XXXX, I finally received a letter from PHH stating I was confirmed as the Successor-in-Interest. Finally, I was able to finally receive a mortgage statement in XX/XX/XXXX after my initial request in XXXX.
As a result of their failure to comply with CFPB Reg 12 CFR 1024.38 ( b ) ( 1 ) ( vi ), my mortgage is over $ 200K behind with penalties and legal fees. I have a foreclosure judgment. And the amount due to Reinstate in {$200000.00}.
According to the CFPB Bulletin 2013-12 ( October 15, 2013 ), Servicers must let successors in the interest know what reasonable documents they need to provide for communication and assumption. They must also let successors in interest know what options are available. Lastly, services must develop policies for suspending foreclosure and processing assumption and loan modifications simultaneously.
OCWEN and XXXX/PHH, both, failed to comply with the regulations for 7 years causing harm to the successor in interest and violating their rights.
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| 06/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Background Information : My bank statements verify that I purchased this home in XXXX and have never missed a payment. Loan service provider at that time removed the XX/XX/XXXX payment to a suspense account to partially repay wrongfully deducted hazard insurance. The error was reversed and no further funds were withdrawn from payments. But the removed funds were never returned, incurring delinquency charges that I have never paid. Because of the error and improper late fees, my account consistently appears to be one month behind, even though I have never missed a payment. I sent multiple letters to the original servicer and to each subsequent servicer, providing documentation and explaining what had happened. Each company stated that the problem had been resolved, however I continued to be charged fees that I would never have incurred without the unapproved home insurance payment.
A new service company assumed responsibility on XX/XX/XXXX. I wrote to them in XX/XX/XXXX affirming my position. They answered in XX/XX/XXXX that there was no discrepancy after reviewing records from XXXX to XXXX with the attached records showing no late payment. I would have to pay {$9100.00} immediately.
The current issue and reason for this complaint : A recorded phone conversation to servicing on XX/XX/XXXX informed the service company that I would be paying principal and fees separately and asked for these two amounts on that day and routing numbers. On XX/XX/XXXX I wired {$270000.00} to the company with an expectation that the funds would be applied. On XX/XX/XXXX they returned that amount to my savings account, with no explanation why the payment was returned. I wired the funds a second time on XX/XX/XXXX and closed the savings account. On XX/XX/XXXX I received a notice of default with intent to accelerate and notice to initiate foreclosure on XX/XX/XXXX. I sent the late fees, {$9400.00}, on XX/XX/XXXX. That same day I sent the sum of {$3400.00}, a miscalculation of the interest on the principle for XXXX, XXXX and XXXX. The real figure was {$340000.00}. They accepted these funds as reflected in the XXXX billing. With the principal in hand, fees paid, and false interest tolerated, I had hoped that they would be satisfied. The principal was returned on XX/XX/XXXX, two months after the funds were wired to PHH, again with no explanation why the payment was being returned. XXXX XXXX applied the funds to my checking account. I rewired the principal to the servicing agency on XX/XX/XXXX. The principal was returned to my checking account on XX/XX/XXXX without explanation.
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| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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On XX/XX/XXXX my wife and I closed on a refinance mortgage on my primary residence. After returning home we noticed that the paperwork we signed had two different set of terms, two different amounts borrowed and two different interest rates.
I contacted the closing agent and pointed out the discrepancies. The closing agent stated I would have to contact the original lender XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter along with the 3 day right to cancel form canceling the XX/XX/XXXX refinance transaction on my primary residence. The Original lender XXXX XXXX XXXX did not respond to my rescission letter or 3 day right to cancel form canceling the transaction or numerous phone calls until XX/XX/XXXX. The Original Lender XXXX XXXX XXXX XXXX wanted to refinance my refinanced mortgage instead of rescinding the refinance transaction, starting all over, that would have cut off my rescission rights, to recoup the monies I paid, to protect my credit rating, and interest paid. I stopped paying the canceled refinance loan in XX/XX/XXXX. On XX/XX/XXXX U.S. Bank as Trustee filed a wrongful foreclosure suit against my refinanced primary residence on the canceled refinance transaction. On XX/XX/XXXX a final hearing for foreclosure was held. Even though the court found I closed on the refinance on XX/XX/XXXX, the paperwork we signed was not to what we agreed to and we sent XXXX XXXX XXXX XXXX a right to cancel letter and 3 day right to cancel notice on XX/XX/XXXX within the 3 days, an absolute unconditional right to cancel the transaction, The court misplaced the law and wrongfully interpreted the right of rescission, that a suit must be filed within 3 years after the date of the transaction. The interpretation was wrong and 10 years later clarified by the U.S. Supreme Court in XXXX V. XXXX XXXX XXXX XXXX. Since the Supreme Court unanimous decision in the XXXX RESCISSION CASE, I have contacted XXXX XXXX XXXX. as Trustee numerous times and all correspondence has gone unanswered. They have no active attorney of record from the prior foreclosure action and the courts are of no help. XXXX XXXX wrongful foreclosure is at best an unsecured debt. The home value was appraised for over XXXX of equity at the time of the final judgment of foreclosure. The bank sold the home for XXXX cents on the dollar and doubled there money from the refinance loan that profited them from the wrongful foreclosure and sale. I had lived there for 20 years and my life savings from hard work was stolen from me. I assistance in recovering the monies that were wrongfully stolen from me.
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| 03/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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THIS IS MY SECOND COMPLAINT FILED AGAINST OCWEN LOAN FINANCING. THE FIRST COMPLAINT WAS FILED XX/XX/2015. THE COMPLAINT NUMBER WAS XXXX. FOUR YEARS LATER, THERE ARE STILL MANY UNRESOLVED ISSUES. OUR LOAN WAS TRANSFERRED FROM XXXX XXXX TO OCWEN LOAN SERVICING. WE STARTED GETTING DOCUMENTATION IN TWO DIFFERENT NAMES. WE WERE ONLY AWARE OF ONE LOAN. HALF THE DOCUMENTATION SENT IN THE ANSWER TO THE ORIGINAL CFPB COMPLAINT WAS STILL UNDER TWO DIFFERENT NAMES. THIS WAS EVEN FOUR YEARS AFTER OUR PAYMENTS WENT MISSING. THIS APPEARS TO STILL BE AN ISSUE. OUR PAYMENTS WERE NOT BEING PROCESSED. WE WERE BEING SUED FOR A DEFAULT, ON TWO DIFFERENT LOANS, ON THE SAME PROPERTY, AT THE SAME TIME, BY THE SAME MORTGAGE COMPANY. A FORECLOSURE WAS STARTED. OCWEN SAID TWO OPEN LOANS SHOWED UP UNDER MY SOCIAL SECURITY NUMBER. AFTER OUR COMPLAINT TO CFPB, OCWEN SAID, ONCE WE MADE THEM AWARE OF THIS ERROR, THAT THERE WAS ONLY ONE LOAN, THE ERROR WAS CORRECTED. OCWEN ASSURED US THE PAYMENTS WERE PROPERLY APPLIED BUT THIS WAS FOUR YEARS AFTER THE ORIGINAL FORECLOSURE. SINCE THAT TIME, FIVE DIFFERENT FORECLOSURE ACTIONS HAVE BEEN FILED AND EITHER DISMISSED OR THE SALE AUTHORIZATION DENIED. OCWEN KEPT FILING FORECLOSURE LAWSUITS WITH NO RESOLUTION TO THE ORIGINAL MATTER. THESE FORECLOSURE LAWSUITS HAD TO BE DEFENDED. OVER {$12000.00} IN FORECLOSURE FEES AND COSTS HAVE BEEN ADDED TO THE AMOUNT TO CURE THE MORTGAGE LOAN. EVEN THOUGH THE MORTGAGE COMPANY ADMITS THEY MADE THE ERROR, THEY REFUSE TO CREDIT OUR LOAN FOR THESE ILLEGAL FORECLOSURE FEES. WE HAVE ALSO INCURRED TENS OF THOUSANDS OF DOLLARS IN ATTORNEY FEES. WE ARE BEING REQUIRED TO PAY ALL THE FEES AND COSTS THAT RESULTED BECAUSE OF OCWENS ADMITTED ERROR. THE PROPERTY IS CURRENTLY, AGAIN, IN FORECLOSURE. WE REQUESTED CURE FIGURE OVER 90 DAYS AGO AND THEY HAVE STILL NOT BEEN PROVIDED TO US. WE WERE SUPPOSED TO GET THESE CURE FIGURES WITHIN 10 DAYS AFTER REQUESTED. THE REQUEST HAS BEEN IGNORED. WE HAVE BEEN TOLD THAT IF WE SENT IN TO OCWEN, ONLY THE AMOUNT WE THINK IS DUE, THE FUNDS WILL BE RETURNED BECAUSE THEY ARE LESS THAN THE TOTAL AMOUNT OCWEN DECLARES IS ACTUALLY DUE. OCWEN IS NOT INTERESTED IN ALLOWING US TO CURE OR PAY OFF THIS LOAN. OCWEN FORCED A FORECLOSURE THROUGH AN ACCOUNTING ERROR. THEY ADDED EXORBITANT FEES TO THE LOAN BALANCE AND WILL TAKE THE HOME THROUGH FORECLOSURE IF WE CANT PAY THESE FEES. THAT IS NOT JUST COMPENSATION FOR OCWEN ; THAT IS OCWEN TAKING OUR HOME ILLEGALLY. WE SHOULD NOT HAVE TO PAY LEGAL AND FORECLOSURE FEES FORCED ON US BY A MISTAKE CAUSED BY OCWENS OWN ADMITTED ACCOUNTING NEGLIGENCE.
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| 10/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?
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| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX, I signed a settlement agreement with PHH Mortgage to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, PHH shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report.
In XX/XX/XXXX, PHH reported the following negative information on my XXXX credit file : PHH Mortgage XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE PHH Mortgage has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when PHH Mortgaged reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file.
It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX children who are in College and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because PHHs actions and breach the settlement agreement.
I have filed 2 disputes with XXXX with an effort to get the foreclosure activity removed from my credit and PHH Mortgage responded to the dispute by verifying that the current status if being reported correctly. PHH has verified to XXXX that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue.
Attached to this letter is the settlement agreement and a copy of 2 letters from XXXX with the dispute results.
Lastly, PHH Mortgage have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.
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| 02/14/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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My loan was purchased by Ocwen from XXXX ; this is after my loan had been sold several times before. It was originated at my local bank and sold to XXXX XXXX XXXX XXXX who went bankrupt ; XXXX froze assets and totally made a mess of auto-debits and escrow. However with all the bedlam every time my mortgage was sold, my loan payment was never deemed late AS it was in the aftermath of the XXXX bankruptcy or any other loan servicer. The sale upended my autodebit payment and escrow balance every time. When Ocwen bought my mortgage XX/XX/XXXX ( I believe ) I was simply notified by mail and the uproar began again ; making sure everything was in place did not go well with Ocwen. After the mortgage was sold it was next to impossible to get any service or a person on the phone. This was not because Ocwen had a sophisticated phone system ; it was because the same man came on the phone every time & knew nothing. lt sounded more like an upstart company manned by one fraternity brother left to manage the concession stand than a professional loan company. My auto debit was upended multiple times causing the 30-59 day late payments on my credit report. I did not miss any payments through any fault of my own, it was the poor system Ocwen had in place. There are 4 late payments on my credit report and then a tax lien. IF my homeowners insurance and taxes were being paid by Ocwen as they should have been there would be no late tax payments OR any need for local people down on the square at the courthouse to place a lien on my property. I ONLY know anything about the tax lien because it, along with the supposed late payments, because OCWEN is harming my credit! I had a large loss House fire XX/XX/XXXX and I lost much of my paperwork ; SO I can not produce Ocwen paperwork ; I do however have the lovely tax lien during their tenure with my mortgage. I thank God for Ocwen NOT being my mortgage holder when the fire happened ; I shudder to think how they would have handled the whole thing. I want Ocwen to do the right thing and own up to their fault in my late payments AND remove the blot on my credit. They were a nightmare that just continues ; I have disputed this blot and tax lien several times through the credit bureaus to no avail. I was widowed XX/XX/XXXX and I have managed my household and paid my mortgage all this time ; I as a consumer, and a widow and a veteran deserve better for being a good homeowner and paying my mortgage. I hope something will make them do the right thing, apparently they have acted wrongly with other consumers.
Thank you, XXXX XXXX XXXX
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| 12/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was instructed by XXXX XXXXXXXX to file a complaint with CFPB to assist me with my issue.
In XXXX, PHH contacted me to inform me of a missed mortgage payment. When I asked for which month, the representative told me they did not have a date and that I needed to provide proof of all payments for the year. I contacted my bank and provided proof of payments for the year. Despite my calls for resolution I was told it was being researched/ reviewed. Months later I never received a formal response and they began reporting me as a month delinquent. This has prevented me from refinancing my mortgage and taking advantage of XXXX because they have continued to report me as delinquent without providing a date for over a decade. I am asking to have this matter resolved because according to PHH my loan has matured and I am responsible for paying off my mortgage this month ( XX/XX/XXXX ). Im prepared to pay off my mortgage as soon as they provide proof of the mortgage and the pay-off amount, which I have requested but have not received. I refuse to pay any late fees or an additional mortgage payment because I do not owe one. This mortgage company has exhibited a pattern of underhanded dealings throughput my mortgage. In XXXX, they attempted to foreclose on my XXXX mortgage claiming I had not made adequate payments due to a lack of homeowners insurance. I contacted the XXXX XXXX and proved that I was not in default due to a lack of homeowners insurance. In fact, for 3 months I had XXXX active policies. In the process I also uncovered that they were illegally increasing my mortgage by over $ XXXX and they could not explain the charges. So not only were they charging me and exaggerated amount for homeowners insurance I did not need but using a made up added monthly charge of over $ XXXX to force me into foreclosure. They acknowledged the error in charging me for unnecessary insurance but never explained the additional amount added to my mortgage, which I deem to be fraud. The XXXX XXXX did not take any action against them and they still keep part of my mortgage payment in suspension for years and reported me as delinquent until I repeated requested that the matter be addressed. In XXXX, XXXX XXXX did not advise mr to reach out to CFPB which could have been a tremendous help then but Im glad I was advised to do it now.
In closing, Im asking the CPFB to assist me in getting this matter resolved and in the event fraudulent activity is taking place by PHH that the appropriate action is taken to prevent this behavior from affecting other hardworking borrowers.
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| 02/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.
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| 12/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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In XXXX I took out a mortgage on my home $ XXXX the first few months it was transferred several times until it was acquired by XXXX and I made my payments to them until XXXX XXXX when they returned my last payment and informed me that it was now being handled by Ocwen Loan service and that I would be receiving information from them very shortly where to make the payment. After waiting a couple weeks and not hear from them I contacted XXXX because I started receiving letters for nonpayments and threats of foreclosure. In XXXX XXXX I asked my principal balance it was {$130000.00}. So I contacted Ocwen to be informed it was not all in their system and I would be contacted as soon as everything was transferred. Several weeks later I contacted Ocwen again at that time ask my principal balance. In XXXX XXXX they sent me a payoff quote of XXXX I immediately started disputing it. That is when my nightmare began. On XXXX/XXXX/XXXX I made a payment of $ XXXX Ocwen by wire transfer. In XXXX I made payments in a total of {$22000.00}. Still fighting with them. In XXXX I received a letter of foreclosure. Tired of the fight I Wired {$5000.00} to Ocwen. Thinking everything was done I waited for my releasably of lien to my surprise instead I was served paper on forclosure had to hire lawyers and go to court on our court dated my Lawer provided theirs with all pymt proof, insurance, tax reciepts, and a letter from a CPA stating as of XXXX XXXX Ocwen had been overpaid {$3000.00} so we did n't go to court. A week later my attorney received a letter from their attorney informing him that he was withdrawing from the case because even with all the reciepts and letter Ocwen want to continue with foreclosure. And again I was served papers by a different attorney foreclosing. I met with my attorney that day we decided to contact their attorney settle then file suit for the money over paid and the settlement amount. This was XXXX XXXX he sent their attorney a cashier 's check for the amount of {$3100.00} Again I thought it was over. But I continue to receive letters instead of the release of lien so in XXXX of XXXX I had to stop payment on the cashiers check and have a new one issued because when my attorney spoke with Ocwen he was told ( it 's somewhere did n't know where ) and I had to sign a new payoff Affidavit that stated I was not going to try to recover funds in the suspended account or any overages that I my have paid and could n't make any derogative remarks about Ocwen. Finally on XXXX XXXX I received a letter of satisfaction. ( recovery, release / discharge ).
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| 03/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My mortgage is being serviced by Ocwen Loan Servicing. This company is a horrible company to deal with. I have read nothing but bad reviews and complaints on the XXXX website and I wonder who is looking into this company. Their practices and policies are outside of the scope of normalcy and all they seem to do is charge fees and set unrealistic goals for homeowners. I had fallen behind on my payments and tried to get a modification through the government program for that but was told by Ocwen tht I did not qualify but was not given a reason. So, their solution to that was to give me their version of a modification. The payments were within my budget but I fell behind again because of a medical situation and high medical bills, I am consistently 2 months behind and was told recently that I could send in " extra '' money to catch up, which I started doing but am now being told by my " relationship manager '' that it is not going to help. They keep pushing me toward another of their in-house modifications, which I am sure only serves their interests. The only other alternative is to ut {$1000.00} down on a repayment plan and pay $ XXXX/month for 5 months. I told them if I was having trouble paying $ XXXX/month for my regular payment then how could I pay {$1000.00} down and {$1200.00} for 5 months? They said it is the only way other than doing another modification. I am getting foreclosure threats from them in the mail. Also, when I have the money to send to them, I can not pay it online without a fee because they penalize anyone who is late by not allowing them to pay online without a fee to do so. There is no way to make an immediate payment without being charged another fee. So, I am forced to mail my payments which take weeks to clear, and more late fees are charged. It is a no win situation for any struggling homeowner whose loan is serviced by this company. All one has to do to understand how bad this company 's practices are is to go to the following : XXXX I am afraid of losing my home and have tried every reasonable thing to get myself current with them but they are not willing to be of much help. Also, I think it is a common complaint that this company, or at least its call center, is in another country and that the representatives are hard to understand. I pressured one of them into telling me where they were and was told XXXX on one occasion and XXXX on another. This company does not have the best interest of American homeowners in mind. They only care about making money by fees and unrealistic goals set to make it hard for homeowners.
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| 05/03/2015 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Servicemember |
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On XXXX, we went onto our mortgage servicer 's website, Ocwen loan servicing to check to see if the information they have was correct. We noticed the last time Ocwen reported to the credit bureaus was on XXXX. We also noticed that we had no information prior to XXXX XXXX. In XXXX of the credit history reports, it reflects that Ocwen notified the credit bureaus a XXXX on XXXX & XXXX XXXX, when were were not late. We sent our payments to Ocwen by certified mail after we received our HAMP modification in the beginning of XXXX. Ocwen also shows that we have no payment history for XXXX XXXX, XXXX thru XXXX XXXX and XXXX XXXX to present. Please review our payment history printout. As you can see, from the payment history report that was printed on XXXX, we paid Ocwen on time since XXXX. Please review all enclosed documents. On XXXX, we called Ocwen to have these issues corrected but Ocwen failed to accurately report once again to all the credit bureaus. On XXXX, we went back on Ocwen 's website and printed up more documents. As you can see, Ocwen changed our credit reports and is now showing, no payment history available from XXXX XXXX & prior which is incorrect when we made our mortgage payments every month and on time ever since we had received our HAMP modification in XXXX. Per CFPB request, we can provide documentation that we made our payments and on time! If this occurs, Ocwen must be held responsible for my time/costs to locate all the documents! On the new credit history report from Ocwen, it reflects no history in XXXX, no payment history available from XXXX to XXXX XXXX, XXXX to XXXX XXXX. Enclosed are copies of the reports printed from XXXX website along with the credit bureaus reports for XXXX XXXX and XXXX XXXX along with a HAMP modification that was executed in the beginning of XXXX. Again, we sent all of our mortgage payments to Ocwen by certified mail every month and they were on time. Ocwen loan servicing has failed to comply by the law ( s ). Ocwen has failed to report our mortgage loan by law to all of the credit bureau 's on time ( monthly ) and accurately. Ocwen and it 's affiliates must be held accountable for their actions but not limited to the following ; fines being imposed, loss of business license, criminal charges, lawsuit. By Ocwen not reporting on time and accurately, Ocwen has damaged our credit history/rating ( fico scores ) causing us not to be able to get a loan. We request that Ocwen loan servicing correct these issues and report accurately going all the way back to XXXX, to all of the credit bureaus immediately.
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| 03/30/2016 |
Yes |
- Mortgage
- Reverse mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I filed a reverse mortgage with XXXX who is now Owcen. My house was appraised for {$87000.00}. I got {$23000.00} last year instead of the {$43000.00} because I am XXXX and they were keeping half. ( I was never told before ). They set {$2300.00} aside for repairs. I finally got a company to do repairs. The problem is I live in a small town. We have no painting companies here. The closest town is 45 min away. No one would come and paint my fence and porches for anything under {$5000.00}. The company I got XXXX came and painted the fence and porches. Then when inspectors came they kept saying I had more to do. Things that were n't even in the initial contract. All I was to have done was the painting of my fence and porches.They sent partial check payment to of {$1700.00} in my name and XXXX. for repairs. Said when the repairs were finished they would send remainder. I called them told them the repairs were done. They asked about my windows. There was nothing in contract to do with my windows. Its like the added more stuff without my knowledge, So we took care of that..The repairs got finished. So last Friday, XXXX XXXX I called to find out when they were releasing the check for repairs.. They informed me, that they sent XXXX out for the the {$1700.00} and then used the rest to pay for the inspector so I am going to have to pay the remaining {$550.00} out of my pocket plus the portion I was to pay {$50.00}. So that is a total of {$600.00}. I then asked about my remainder of money that was supposed to come to me. They transferred me and I could not find out anything more. Monday XXXX XXXX, my son and I called them. We asked them about the same. They told me I was only going to get {$20000.00} instead of the {$41000.00}. because I am XXXX and they were keeping half. Like I said previously was NEVER told to me before..They were getting after me for not having repairs done, ( When I thought they were ) but when they do wrong I guess that is supposed to be ok.When I started this I was told my home was worth {$87000.00}, so I would get {$43000.00} last year. Then this year I was to get {$41000.00} which was after the {$2300.00} came out for repairs. I am so frustrated, I want the over half of my money. My XXXX called the XXXX today XXXX XXXX and they told us to contact you due to the fact this company has negative rating with XXXX I have XXXX and I am XXXX. I do not need this.This whole process has been a real pain, and I thought these reverse mortgage was to help with your retirement and it did n't matter your age. If you could please HELP. Thank you
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| 07/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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When I was a XXXX in college, my identity was stolen and used to purchase properties with what the FBI called " straw mortgages '' by XXXX XXXX and XXXX XXXX. They did this to several people and you can google their names to read about the federal case. GMAC Mortgage was one of the mortgage lenders who gave me ( an XXXX year old working part time who claimed $ XXXX on her last tax returns ) a loan without properly verifying my identity or my ability to repay. After several years of fighting my case with both GMAC and the credit bureaus ( not to mention the thousands of dollars spent on my legal fees ) GMAC finally consented on XXXX XXXX, XXXX that this loan was not my responsibility and they would, " have the credit reporting amended and remove your involvment with the loan servicing activities. " Subsequently, they sold this loan to Ocwen Loan Servicing. Since then, I have been harrassed to pay off this debt. When I first discovered they were negatively reporting to the credit bureaus and mailing my parents threatening statements back in XX/XX/XXXX, I contacted the company and provided them my current address as well as all the documentation from GMAC stating that I was n't responsible for the mortgage. They removed the negative credit lines. Then in XX/XX/XXXX they started reporting negatively on my credit again. During this time period, they continued to mail statements to my parents address multiple times a year. Again, I contacted the comopany and provided my current last name, current address and verification that the trade line was n't mine. On XXXX XXXX, XXXX Ocwen sent me a letter confirming that they acknowledge the loan is not my responsiblity. This letter was sent to my correct last name and address. However, to this day my parents are still forwarding me bills and insurance statements mailed to the incorrect name to the incorrect address. Besides the fact that they 're mailing personal information to the wrong address after being provided the correct one, I do n't feel like I should still be receiving statements for this loan at all. It was not my responsiblity. I have nothing to do with this house or this loan. I was a victim of identity theft. It has been 11 years now and cost me thousands of dollars and I 'm still fighting this because mortgage lenders were too greedy to properly verify income or ability to repay so they gave an XXXX year old college student hundeds of thousands of dollars in a mortgage.
I want my name to be removed from this loan file and I want any future correspondence to be mailed to the correct address.
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| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello!
Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX.
After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX.
The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked!
I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month.
However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true!
Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ).
We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it!
Again, we purchased our house at {$210000.00} in the year of XXXX.
The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so?
So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place?
Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof.
3. Copies of all loaned money showing the check # and which back it was cleared under?
4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage???
5. And all other facts proof of all the entire calculations from day one since you took over!
Sincerely, XXXX XXXX
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| 05/24/2016 |
Yes |
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- False statements or representation
- Impersonated an attorney or official
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Web |
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indecome global services same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, ocwen, XXXX DEBET Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors XXXX and conspirators named indecomm global services, XXXX, OCWEN, XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case.
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, Gmac, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by indecomme global services prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure mill law XXXX Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures.
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX XXXX 's Motion to Dismiss in the case Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX, XXXX, et al., No. XXXX, XXXX XXXX ( XXXX., XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund XXXX to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
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| 05/31/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Complaint on 1st Lien On my 1st Lien, Ocwen continues the pattern of behavior of the debt collector seeking to collect and enforce a nonexistent debt for a nonexistent claimant.
In this particular case, The current debt collector '' / servicer is PHH Mortgage.
The past debt collector / servicer was Ocwen Loan Servicing LLC The nonexistent debt is the primary lien for the property located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX.
The non-existent claimant appears to be a XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series 2006-SA2.
1st Lien History Ocwen Loan Servicing LLC was servicing my first lien just like my 2nd lien but was transferred over to PHH Mortgage in XXXX.
In XXXX when I inquired about the owner of the note from Ocwen Loan Servicing LLC, they reported that XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment C ).
In XXXX when I inquired about the owner of the note from PHH Mortgage, they reported that Ocwen Master Servicing, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series 2006-SA2 ( See Attachment D ).
Looking at the difference, the trustee changed from XXXX XXXX XXXX XXXX to Ocwen Master Trust. With no legal claimant ( a person or entity that can show that they paid value for the debt- Virginia Code 8.9A-203 ), any proceeds or collections of mortgage payments go directly to Ocwen.
Closing Thoughts on 1st Lien Just like the junior lien, there is an nonexistent debt from an nonexistent claimant/ owner. Again, Ocwen has taken advantage of this information and has placed themselves as the Trustee of the Trust.
If I didnt have proof of what Ocwen did on my second mortgage, I would not file a complaint. But because, Ocwens wrongdoing on my second mortgage, the same can be said on my first mortgage. Ocwen / PHH Mortgage knows that there is no claimant / owner who has paid value for the debt- Virginia Code 8.9A-203.
Please help me to get answers from Ocwen / PHH Mortgage and they need to be held accountable for their actions on the 1 Lien. In their defense, I am sure they will say they have the mortgage note but because of their past actions on my second mortgage, Ocwen / PHH Mortgage needs to show 1 ) Existence of the Lender and 2 ) Existence of the debt ( unpaid loan balance - Virginia Code 8.9A-203 ). Again if an audit was performed, I am sure all payments will show them going directly to Ocwen and not to a nonexistent claimant.
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| 10/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have been working with OCWEN Loan Servicing LLC Ombudsman 's Office since XXXX XXXX, 2016 in an attempt to correct an issue brought about regarding my loan modification, and incorrect information being transmitting to me by the Relationship XXXX XXXX regarding the status of the modification, and where payments that had been tendered by me on my loan were being credited. The recordings of my conversations with XXXX XXXX from the end of XXXX 2016 through XXXX XXXX, 2016 have been pulled by their supervisory staff and listened to, and verified that I had been given incorrect and false information about my next payment date being XXXX 2016. On XXXX XXXX, 2016, I was informed by XXXX XXXX 's supervisor, XXXX that XXXX , XXXX had " misinformed '' me of where my XX/XX/XXXX and XX/XX/XXXX payments were credited, and they needed an additional {$2400.00} from me to complete the modification. I had been informed XX/XX/XXXX that the modification had already been approved, and had signed the modification agreement as instructed.The issue has gone on for the past 7 wks., and Ocwen does not want to recalculate the figures for the modification since my XX/XX/XXXX payment was credited to " the account '', and NOT towards the modification as told by XXXX XXXX XXXX me, nor was the XX/XX/XXXX payment credited towards the trial payment as told to me. Ocwen has outsourced there customer service in large part to employees in XXXX, but refuses to stand by their misdirection and mistakes. I can confirm this due to a similar problem about XXXX yrs. ago brought to your office regarding misinformation given to me from their XXXX office of a credit of {$2300.00} due me ( according to their relationship manager ), in which Ocwen sent me a check for the supposed overpayment. About 7 days after I received and deposited their reimbursement check into my account, they discovered " inhouse '' that their employee had made a mistake, and they immediately stopped payment on the check and caused over {$3000.00} overdraft in my account. It took almost 10 1/2 months and the involvement of the Attorney Generals Office to force them to stand behind their mistake. THIS situation SHOULD NOT HAVE TAKEN 7 WEEKS AND XXXX SUPERVISORS TO CORRECT, while I am still getting the run around from their supervisors! I am attaching pertinent documents FYI. Their actions in the past case was deemed " illegal '' since it was discovered they had reversed a prior loan payment sent my me to actually " refund '' monies to my bank for the overdraft, INSTEAD OF USING THEIR OWN OCWEN FUNDS. Please Help!
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| 09/17/2020 |
Yes |
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for addressing the following concernsregarding the Foreclosure and Resale of XXXX XXXX XXXX XXXX, Texas XXXX of complaint to the Fair Housing Authority, due to issues that occurred once delinquent. Also, violations of the Comptroller of Currency ( O.C.C. ) will display Compliance risk, Credit risk, and Strategic Risk, which are violators of the Unfair Deceptive Abusive Act Practices.
Furthermore, within the Fair Credit Reporting Act sections 610 & 611 with credit reporting. Sec. 802. [ 42 U.S.C. 3602 ] under the Fair Housing Act In conjunction with the Uniform Residental Loan Application Agreement, which under section the " liability after foreclosure, '' which may protect consumers after foreclosure of a remaining balance.
While the original loan provider Ocwen Co. targeted me financially unsophisticated while facing distressers, age characteristics, and decent.
Credit Risk, while undergoing the modification process, the term of the contract of 360 months increased to 420 months. In contrast, the agreement 's duration, the modification did not display any significant changes.
Strategic Risk if the home was foreclosed and sold at {$170.00} XXXX, the original loan was {$160.00} XXXX if there were equity within the property. What resources could have allocated to ensure a full understanding of what could have prevented foreclosure?
They're compromising notations within all Credit Reporting Agenciesfalse information furnished on credit profile with the possible intent to possibly due harm. With the continued inscriptions, creditworthiness and score continue to decrease.
The property foreclosed was valued at XXXX and sold for XXXX XXXX. The original loan amount closed XX/XX/2005 for {$160000.00}.
I am requesting equity on the property during the time of foreclosure. If the valued property did not increase, which could have prevented foreclosure, how was this formulated? T During the proceeds, documents were unclear even during the refinancing of the mortgage. Areas of uncertainty arrived when the modification didn't assist with financial troubles, under the Loan Application Agreement, which under section the " liability after foreclosure, '' may protect consumers after a remaining balance. The protection which may have prevented any additional debt on the home, I was forced to forclosed.
P.H.H. company who service property issued documents for signature ; however, unclear of verbiage. While new provisions set, I can stay in a home as a tenant and no longer a possible homeowner.
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| 08/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX, 2016 To : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This letter is to inform OCWEN Loan Servicing LLC of the following ; I, XXXX XXXX, have tried several times to speak with assigned " relationship manager '' XXXX XXXX, whom Ocwen has designated however every attempt has been unsuccessful to date.
I, XXXX XXXX have had several appointments scheduled with XXXX XXXX, however on more than one occasion XXXX XXXX assigned another Ocwen rep to call and/or XXXX XXXX failed to call to assist myself in this matter. The most recent failed appointment dated XXXX/XXXX/2016 where I was informed XXXX XXXX had " changed her schedule '' and was no longer able to speak to me at this designated time.
Several Ocwen employees whom I have spoken with have given me different answers and misled me to believe I could easily work with Ocwen to resolve this debt.
The last payment received to the above account was received on-line dating XXXX/XXXX/2016. Ocwen applied this payment to " escrow '' rather than applying it as a monthly payment so as to make it appear I have not made monthly payments. I can prove consecutive monthly payments upon request.
Ocwen has disabled my ability to pay this debt on-line since receiving the above dated payment.
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment of {$7000.00} was attempted via " XXXX '' however was declined electronically by Ocwen.
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment in the sum of {$3000.00} was express mailed to Ocwen however has not been applied to the above account and/or returned to date.
An escrow account with XXXX XXXX has now been established to hold all monies regarding this account until a resolution can be reached. Said escrow account number is as follows ; XXXX I, XXXX XXXX have been informed by several Ocwen representatives that the above account has now been turned over for foreclosure. To date I have not been contacted by a local attorney and/or foreclosure representative.
I, XXXX XXXX continue to receive threatening letters from Ocwen Loan Servicing to foreclose on my home. I have yet to speak to a representative whom can help me ; all have misled me.
I have yet to date be answered that this threatening foreclose is a negotiable instrument pursuant to XXXX state law.
CC ; OCWEN Loan Servicing LLC Ocwen relationship mgr XXXX XXXX XXXX of the XXXX Attorney General XXXX XXXX XXXX XXXX
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| 07/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}.
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.
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| 04/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage loan servicer, OCWEN, send me my mortgage interest statement ( " substitute form XXXX '' ) for XX/XX/XXXX.
On it, I noticed a mistake in their favor.
My property insurance and property taxes are " escrowed in '' with my mortgage payments.
The annual property insurance of {$590.00}, was mistakingly deducted from my escrow account XXXX, on XX/XX/XXXX and again on XX/XX/XXXX.
I contacted OCWEN on XX/XX/XXXX about this issue.
After many frustrating hours on the phone, with people in XXXX and the XXXX, finally employee XXXX, ID # XXXX, discovered what went wrong : They mailed the payment XXXX to a wrong address of XXXX, whom I have my property insurance with, then they got the check returned to them and then they mailed a new check to the right address.
The problem is that OCWEN deducted the amount XXXX as disbursements from my escrow account, and never reimbursed me for the mistakingly XXXX deduction from my account.
A supervisor, XXXX, ID # XXXX, XXXX, ID # XXXX and I had a conference call about this issue and it would be researched.
On XX/XX/XXXX, I had heard nothing, so I called OCWEN again, and only after suggesting that I might take legal action, did I get connected for the XXXX time with somebody in XXXX USA. His name is XXXX, ID # XXXX and he is a manager for OCWEN.
Finally he understood and saw the problem, which can be very easily seen on form XXXX, and he figured the issue will be fixed in a couple of days.
A week later, on XX/XX/XXXX, he called me, but had absolutely no information other than that the issue is not resolved.
I waited till XX/XX/XXXX to call XXXX again, who had given me his phone number and extension, XXXX ext. XXXX, only to get an answering machine.
I left a message with my phone number, loan number and a reminder of the issue.
On XX/XX/XXXX I tried to call several more times only to get an answering machine.
On XX/XX/XXXX I left another message.
Up to this moment in time I have not heard from XXXX or anybody else from OCWEN.
I called the " note holder '' of my loan, XXXX, and they informed me that OCWEN has the servicing rights, but that OCWEN does not work for them. They said I would get results solving this issue by filing complaint with you, the CFPB.
All in all, OCWEN has now been shorting me on my escrow account 16 days short of one whole year, and known about and admitted to, the {$590.00} mistake for 34 days. No action has been taken to reimburse my account and I am being completely ignored with all my phone calls and messages to the employee who would handle this issue, XXXX.
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| 12/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Applied for a Modification on XX/XX/XXXX. After almost 3 years of unemployment and/or underemployment, I finally got work that paid me more than I made when I was approved for the mortgage in the first place. ( I am seriously under water and owe much more than my house is worth ). So, working out something with my lender was my only available option. Being that I was once again gainfully employed, I was confident this would be good news for all concerned, including PHH Mortgage. I have since been grotesquely surprised.
Things started off nicely - PHH Mortgage assured me, in writing ( letter attached ) that foreclosure wouldnt happen while I was being considered for a modification, as long as they received all the required documents, which I promptly submitted.
Then I started receiving a series of superfluous requests from PHH - all of which I nevertheless promptly responded to - here are a few examples : requiring me to certify that I was no longer getting any self-employment income ( despite clearly filling out their financial statement and submitting bank statements that showed I wasnt ), then. asking for tax returns that I had already sent to them more than two months ago ( electronically, so I have proof ), as well as asking me to provide a new bank statement, put the loan number on every page, and then sign the bank statement what on earth does my signature on an official bank document do? I nevertheless signed and submitted it. All for naught it was all a game to buy them time to get a foreclosure through the courts.
To date, I am yet to receive a decision on my loan modification. Instead, last week, literally days before XXXX, I received notice of a XX/XX/XXXX foreclosure sale date on my home.
How is it ok for a lender to mislead a homeowner, string them along with a series of mind-boggling document requests, all the while biding their time to get their foreclosure action together, than spring it upon me and my family? ( I have a very sick sister living with me with XXXX XXXX XXXX ( XXXX XXXX ), and PHHs handling of this matter has been extremely harmful. ) Also clearly, PHH was pursuing foreclosure while reviewing my loan modification request, a.k.a. dual tracking. Isnt dual tracking illegal?
I just find PHH Mortgages handling of my case unethical and a horrible business practice. It appears what they are doing is also illegal. Every week or two, there has been a request for a superfluous document, which I have nevertheless promptly replied to. I am appealing to the CFPB to step in and get PHH to do the right thing.
|
| 04/22/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I had hardship due to divorce and becoming a displaced worker. I contacted OCWEN prior to my last day of work t start modification process in XXXX. The home is underwater and I have exhausted my savings during this stressful process. OCWEN sent me an informal appraisal dated XXXX/XXXX/16 and sent me a copy of the underwater values I have provided everything they have requested. They have lost information effecting correct NVP, missed phone appointments XXXX I have only spoken to my relationship manager on inital call. XXXX/XXXX/16 in the 7 calls following I have a different Agent ID #. I was told by an agent that the phone appointments are completed by an automated system so that calls are on time. However the first available agent will take that call. I have never spoken to the same person twice.I have the right to correct values on my denial ( they said I was denied because was n't behind and had enough assets to pay ) According to HAMP qualifications you do not need to be behind to apply. The homeowner Bill of right says we have the right to one point of contact. It also states that we have the right to appeal denial. I am at my wits end I have gone through every hoop and I DO qualify. They have show great negligence in the handling my request for modification. I have a paper trail including every ID # of agents and every communication. I have confirmations of scans sent and OCWEN stating they did not receive it.. They have missed phone appointments, lost paperwork, drained my savings and I am at the point I can not make further payments at the unmanageable rise in both XXXX and XXXX starting in XXXX from {$1100.00} to {$2400.00}. I have retained part time work at the school district but only get paid monthly. I have providied my first paystub and I have a long term supplemental assignment and sent them a copy of assignment from school district. I have waited an average of 2 weeks wait time to speak to my relationship manager and every time it is someone different. Please look into this matter I have sent my denial appeal package they lost and it was not accepted because my email was restricted ( have copy ) So I resent it again tonight using my other email and it went right through. ( have confirmation ) I complained they lost corrected values and I was actually blocked from sending additional information to XXXXXXXXXXXX. They are breaking every rule for customer service I have every experienced.
I am highly organized and I have a foot of paperwork from last three months I need help because they are not responding to my request.
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| 10/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Our firm represents XXXX XXXX, 21-year owner of the property sold on XXXX XXXX, 2015 via trustee 's sale. We believe that sale is invalid, and in violation of RESPA. We are asking the CFPB to contact the servicer, Ocwen. A third-party purchaser issued the consumer a five-day notice to vacate, so we are immediately seeking to have Ocwen rescind the sale, on the grounds that it is invalid.
XXXX XXXX is XXXX was XXXX in active loss mitigation, yet Ocwen foreclosed. Ocwen entered a trial payment plan with XXXX XXXX in XXXX 2015. Attached is a statement which makes note of the establishment of a TPP. We have payment stubs that evidence the consumer was performing under the Plan ; payment receipts for the months of XXXX, XXXX, XXXX, and XXXX 2015.
Ocwen neither denied a permanent modification, nor granted XXXX. It issued nothing in writing to the consumer, and consumer continued to perform under the TPP.
Despite a live loss mitigation that includes a TPP, Ocwen foreclosed on the consumer 's property. The Trustee executed its sale on XXXX XXXX, 2015 selling the home to a third party. The Notice of Trustee 's Sale is attached. ( The sale executed on XXXX XXXX although you may notice that the original Notice of Sale schedules it for XXXX/XXXX/2015 because Arizona law allows foreclosures to proceed any time thereafter without rescheduling/fresh notification ).
We believe the sale was prohibited by the federal regulations that place a moratorium on foreclosure during loss mitigation. During a Trial Payment Plan, that moratorium is absolute : no trustee sale may be executed during performance under a trial payment plan. Specifically, a servicer may not conduct a foreclosure sale if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option. XXXX C.F.R. XXXX ( j ).
If Ocwen alleges that it denied a permanent modification, we point out that we have no written notice of denial as required under the regulations, and notwithstanding any denial, the timing itself of the sale may have violated other provisions of RESPA. A borrower whose complete loss mitigation application results in a denial for any loan modification also has a right to appeal the denial if the servicer received the complete loss mitigation application 90 days or more before a foreclosure sale or before the date for a foreclosure sale is set.
Immediate action is required in order to limit liability and an independent action for damages, which our research indicates may be appropriate under these facts. We are requesting the rescission of the sale.
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| 02/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We were behind on our mortgage in XXXX of XXXX. Statement from Ocwen dated XX/XX/XXXX said the total reinstatement amount was XXXX. On XX/XX/XXXX we paid XXXX which was the past due reinstatement amount plus the payment due on XX/XX/XXXX. Our regular monthly payment was {$590.00}. Our next statement dated XX/XX/XXXX which should have been for XXXX due XX/XX/XXXX had a total amount due of {$1600.00}. The charges were for our XXXX payment ( XXXX ) plus a ( XXXX ) title search fee date XX/XX/XXXX and a ( {$310.00} ) charge for title report dated XX/XX/XXXX. Not sure how you get a title report before a title search but that's neither here nor there. The search and report were done 20 days after we brought our account current. The mortgage originated in XXXX. So what purpose was there for this charge? On XX/XX/XXXX we paid the XX/XX/XXXX regular monthly payment plus late fees even though it wasn't late as per their 15 day grace period. On the statement it breaks down what they say is owed into different categories.
Regular monthly, past due payments, Past due fees/other charges The first 2 statements had the XXXX due for past due fees/other charges. The 3rd month they switched it to past due payment charges. As in we missed payments.
I have addressed ocwen about this issue. And the many many other issues we have dealt with over the past 16 years and have never got anything resolved. From the very start of this loan when the closing agent/broker ( XXXX XXXX and or XXXX XXXX XXXX ) pulled a fast one on us at closing by having the final truth in lending disclosure statement on top with the financed amount of XXXX showing for lender XXXX XXXX and going over that one page with us then distracted us by non stop talking while the rest of the pile was signed and initialed with a loan amount of XXXX was what was being reflected on the rest of the documents. And an unexplained XXXX increase in our principal balance in XXXX. And plenty of other issues as well including a falsified Corporate Assignment of Mortgage signed by an employee of Ocwen as VP of XXXX XXXX XXXX, filed XXXX of XXXX on behalf of XXXX XXXX XXXX as trustee for XXXX. From XXXX XXXX XXXX f/k/a XXXX XXXX XXXX ( our original lender and servicer ) whom swore under oath in XXXX that it neither owned nor serviced any residential mortgages on that date. If they sold our note prior to XXXX to XXXX why did they wait til XXXX to record that assignment with our county recorder? We just are at our limits. We cant find any remedy and cant take the abuse any longer.
XXXX XXXX
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| 06/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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In XX/XX/XXXX, I entered into a loan modification. I also was given a consumer protection attorney in my area. The modified amount was {$88000.00}. In XX/XX/XXXX, {$70000.00} of this loan became a debt cancellation but was later renewed as a new loan. Under this premise, a balance of about {$18000.00} was due and owing on the loan.
The cancellation placed the fair market value of the home at {$74000.00}. Ex. " A '' On XX/XX/XXXX, the loan servicer sent the attorney a payoff statement where it indicated the principal balance was {$88.00}, XXXX plus {$610.00} in interest, plus escrow of {$280.00} and court fees of {$530.00} for a total of {$89.00}, XXXX. Monthly payments of {$610.00} per month plus interest of 3.75 %.
1. The servicer alleges that the interest amount and the monthly payments are identical.
2. Page 2 gives the interest breakdown for XX/XX/XXXX through XX/XX/XXXX. Per diem being approximately {$9.00} per day justifies a {$270.00} interest payment for XX/XX/XXXX and XX/XX/XXXX and the remainder of {$64.00} due for XX/XX/XXXX, which is an indication that every third month, the interest should be {$64.00} {$270.00} is 44 % of {$610.00} ; {$64.00} is 14 % of {$610.00} and 3.75 % of {$610.00} is {$23.00}. What is the understanding of the interest? Is the interest on the monthly payment or the loan balance. Even if its on the balance, the servicer alleges that {$610.00} is to be divided by 3 months with the third month substantially less than the first two.
The second issue is : a total amount of interest is always included in most loans even when the percentage of interest is calculated.
Here it's not.
The consumer protection attorney who provided the documents that I'm providing you, filed a complaint in federal court and then dismissed the complaint alleging that no issues existed. He accepted a {$5000.00} settlement that he did not explain what it was for with me receiving a final payment of {$1000.00} ; I disagree and filed this complaint.
Fraud is an issue here. In XX/XX/XXXX, the servicer states a balance of {$89.00}, XXXX. Each month, from XX/XX/XXXX til XX/XX/XXXX I paid {$650.00} mortgage payment. {$650.00} x 12= {$7800.00}. {$89.00}, XXXX, XXXX= {$81000.00}. XX/XX/XXXX til XX/XX/XXXX, I paid {$650.00} x 8= {$5200.00}. {$81.00}, XXXXXXXX= {$76000.00}.
On XX/XX/XXXX, PHH Mortgage Services notified me that the servicer has joined with that company. It also advised me that the balance on the account stands at {$86.00}, XXXX. This means that a grand total of {$3200.00} has been applied out of 24 payments.
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| 01/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX.
When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current.
This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ).
Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake.
I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later!
Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.
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| 07/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Letter sent to PHH relationship manager To Whom It May Concern : This letter is to inform you of a scam currently being conducted under the Ocwen name. Since PHH is a subsidary of Ocwen, it is in your best interest to address this issue.
In XXXX I received a call from a relationship manager named XXXX XXXX. He informed me that even though I had a trial modification approval, I would have to send in an additional {$XXXX} to reduce my escrow amount. I was to send it via XXXX to a 'XXXX XXXX XXXX XXXX. It was sent on XXXX/XXXX/2019.
Then the story continued, to the next 3 months of trial modification payments. The last one being made on XX/XX/XXXX.
On XX/XX/XXXX I called PHH to ask when my account would be updated, only to be told I had been scammed and my only option was to apply for another loan modification.
Needless to say, I am very upset! ( I am proceeding with another modification, and have sent in all the required documents. ) However, today at XXXX : XXXX I received another 'Ocwen XXXX call. And indeed, it was XXXX XXXX XXXX. He can be reached at XXXX. However, he does call me on the Ocwen number XXXX. He stated that my credit is bad, and I need to send in another payment, etc etc. When I told him what I really thought, and that he was / is a scammer, somehow, the call faded away. I will never send him another dime.
So these are my questions : If this is an ongoing scam, when are you going to stop it?
He obviously is an Ocwen employee, or has access to Ocwen information, as he has the information on my account.
While this was taking place in XXXX, XXXX, XXXX and XXXX, I repeatedly checked my PHH account, and had no access to it, until approximately the middle of XXXX. So I believed him when he said after my payments were complete, it would be updated.
He obviously knew about the window of no current information between the Ocwen and PHH transfer. Perfect opportunity for a scam!
He would not allow me to talk to anyone else. He was appointed as my relationship manager.
My mistake was to believe him. But what else could I do with no information online, and no access to PHH. :???
I have copies of all the transactions. I will be faxing them to the missing payments and the research departments, along with this email.
This involves over {$XXXX} which obviously, since our loan is in default, we can not afford to lose.
I will not be overlooking this matter, and will be anxiously waiting for action on Ocwen and PHH 's part.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX/XXXX/2019
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| 03/21/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Ocwen is essentially refusing to perform an escrow account analysis. Ocwen raised our escrow payments when they originally took over our servicing, so I 'm certain there is an overage in the account. Our analysis is typically performed in XXXX, and as expected we received a notice in XX/XX/XXXX saying there was a fairly substantial overage and we would be receiving a check within 30 days. XXXX we received a notice saying the previous notice had been in error, and that a second escrow account analysis would be performed in XXXX. We waited for an update and, hearing nothing, we contacted Ocwen on XX/XX/XXXX. The second escrow account analysis had never been performed, although nobody could tell me why. I was told that it would take 3-5 weeks to find out why the analysis had not been performed as promised, or 5-7 business days to perform a new one. I requested that a new analysis be performed at this time. On XXXX XXXX I called to check on the status of the analysis and was told that there was indeed a substantial overage of over {$1300.00} and that a check was en route. I had not received any communications from Ocwen by XX/XX/XXXX, so I called again to check the status. I was told that the escrow account analysis had not actually been performed at any point. I was told that it appeared they had started the analysis but failed to complete it. I asked why, and was transferred to a woman whose job it apparently is to solve mysteries such as these. Her name is XXXX, ID # XXXX, and her contact number is XXXX XXXX. She agreed that it appeared we were due a refund and could not determine why the analysis had failed to be performed as promised on so many different occasions. She asked that I give her 48 hours to determine what the problem was and said she would call me back. I had not heard from her by XXXX, XXXX XXXX ( 48 hours later ) so I left a message for her at the contact number provided. It is now XXXX, XXXX XXXX, and I have yet to receive a return call. Our account is current and in the nine years since securing our mortgage it has never once been late. I have been unable to get a straight answer as to what the problem is, but we are now approaching six months late on our annual escrow account analysis. This is one of many problems we 've had since Ocwen took over the servicing of our loan and we will be addressing these individually, but the failure to perform a simple escrow account analysis is keeping money out of our pockets that is rightfully ours and it is a situation that should have been easily rectified months ago.
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| 08/08/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Ocwen Loan Servicing ombudsmen specialist XXXX XXXX who quietly hides her management position when she responds to consumer complaints that she never properly investigates because she is given high salary that was embezzled by millions of homeowners to be trained how to cover up the pretender lender loan servicers troubled company abuses. I have informed the pretender lender loan servicer ombudsmen specialist XXXX XXXX and opposing counsel XXXX XXXX several times regarding the VOID FRAUDULENT ASSIGNMENT that was created out of shady XXXX XXXX XXXX XXXX XXXX just days before the bogus lawsuit was filed. XXXX XXXX XXXX assigned the bogus mortgage to XXXX XXXX XXXX XXXX XXXX signing for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Depositor XXXX XXXX XXXX is the only rightful party that can place assets into the trust pursuant to investors offering documents as specified above, to have all the rights, duties and obligations of the Depositor with respect to the Trust, XXXX XXXX XXXX XXXX XXXX with closing date of XX/XX/XXXX. The assignment is approximately 3 years after the mortgage was placed into the Trust -- a clear violation of the Pooling and Servicing Agreement. XXXX XXXX XXXX or a ghost robo-signer signed the fraudulent VOID assignment on XX/XX/XXXX and then XXXX XXXX XXXX committed fraud by claiming the ghost to be present before her then rubber stamping the VOID assignment on XX/XX/XXXX just days before corrupt shady XXXX XXXX XXXX crooked lawyer filed the bogus lawsuit then used the fraudulent assignment to intentionally mislead the court while committing fraud upon the court to be guaranteed favorable judgement to embezzle my property. Before XXXX XXXX XXXX XXXX XXXX filed its bogus lawsuit I informed the shady lawyers that I was diagnosed with XXXX and to leave me alone because I only had months to live. XXXX XXXX XXXX shady law firm thought they could get away with embezzlement because they all thought I only had months to live. Shortly after the fraudulent assignment was created by corrupt shady XXXX XXXX XXXX the imaginary XXXX XXXX XXXX XXXX ghost before her robber stamper XXXX XXXX XXXX license was revoked by the Commissioner. Well, I was misdiagnosed and I am not going to die so what are all you scums going to do about all the years of all your fraud now? Opposing counsel XXXX XXXX is assisting his clients with embezzlement by claiming to have personal knowledge and reviewed the VOID assignment that was fraudulently recorded claiming its stands to assist the Mortgage Law Firm with embezzlement fraudulent Trustee Sale.
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| 12/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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This complaint is against OCWEN Loan Servicing , LLC who has once again filed to foreclose on my property on XX/XX/XXXX despite numerous complaints filed against Ocwen for violations of the NMS, the XXXX Consent Orders, TILA, RESPA, FDCPA, FCRA, and the CFPB Guidelines for Servicers. Despite various complaints regarding the property at XXXX, XXXX, XXXX XXXX, including an illegal lending transaction, robosigning, and innumerable violations of the above court orders, laws and regulations, Ocwen persists in refusing to respond to detailed complaints with proof attached, and is trying again to foreclose again which makes 8 times in just over a year which shows the desperation Ocwen has to create a legal document regarding the property that to date does not exist other than my Warranty Deed. All other docs in the chain of title are fraudulent.
For this attempted FC Ocwen did not send the 14 day notice prior to FC, and its attorneys did not send the notice of FC within 30 days under state law.
Ocwen ignores the illegal lending, void transaction in the initiation of the mortgage by a company that was not incorporated and not licensed as a lender. Exhibit B-C-D.
Assignments in the chain of title are blatant robosigning documents as shown. Exhibits G-H-I & O. In fact Ocwen robosigning has continued unabated since XXXX, Exhibits G-H-I-O.
Extensive complaints have been filed by me against Ocwen for its specific violations of the NMS and the CFPB regs and Dodd-Frank with very specific cites to violations of TILA, RESPA, FDCPA, FCRA, without any response from Ocwen other than general denials. See Addendum Exhibit Numerous violationos of state laws and cases have been submitted to counsel for Ocwen with no response whatsoever. XXXX Letter & Addendum Exhibits Extensive violatations have been noted of Ocwen 's violations of law re suspense accts, escrow accts, application of payments, and proper credit by Ocwen 's own admission Exhibit E.
Ocwen uses an illegal and inaccurate demand letter dated XX/XX/XXXX which incorrectly states amounts supposedly owed, which figure Ocwen has changed numerous times but has never sent anything like a accurate statement of account demand in violation of law and regs Exhibit L A settlement letter equivalent of a loan modification was sent directly to Ocwen and its attorneys but has never been responded to in over a year. Exhibit F Ocwen has engaged in regular, constant and consistent violation of the required conduct of the NMS, the XXXX Consent Orders apparently believing they can do so with impunity.
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| 11/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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I applied for and was approved for a trial loan modification in XXXX XXXX with Ocwen Financial. I have made every modification payment on time in full. The Trial Modification ended In XXXX XXXX when I was approved for a permanent modification. I pulled my credit report and found that Ocwen has been reporting my mortgage as late every month since XXXX XXXX. I contacted Ocwen and tried to resolve this issue and was told that according to the agreement that I signed that they would report the mortgage as late. I went over the agreement with them and the credit reporting section states that " if the loan was in default at the time of the modification that they would continue to report it as late ''. I was not in default at the time of the modification. All of my prior mortgage payments were paid on time and in full. I was then told that XXXX payment was not received. I explained that when I went on line to make the XXXX payment that the new Modified payment amount was the only payment option available and they changed the payment due date to reflect the trial modification that I was approved for. I made that payment. I was then told that during the Trial modification that the full contractual payment had not been paid, only the modified amount and they are referring back to the original loan payment amount. This is an unfair predatory lending practice due to the fact that I signed a new contractual obligation during the Trial Modification and they should honor the new agreement they made with me as Payment in Full during the Trial Modification period. Also I was not informed at any time prior to or during the trial Modification that the mortgage payments I was making would be reported as late every month. I would not have opted for a loan modification. I was not having trouble making my mortgage payments. In XXXX I contacted Ocwen to try and see if they could offer me a reduced Annual Percentage Rate and the option that was offered to me was a Loan Modification. I have filed a dispute with all three credit bureaus and the response was that my credit account has been updated. Not changed. The unwarranted lates are still reflecting on my credit reports. I am currently in a real estate transaction. I have a pending offer on a house I wish to purchase to expand my business and I can not get approved for funding due to the erroneous information that Ocwen has been reporting. They have completely destroyed my credit. Any help you can offer would be greatly appreciated as time is of the essence. I have a XXXX XXXX XXXX!!! Thank You.
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| 10/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is NOT a duplicate request. I had contacted the CFPB to follow up on my complaint # XXXX in late XX/XX/XXXX due to a letter received on XX/XX/XXXX. I was informed I could not receive any information as there was not enough information to verify my identify. I am now filing online to follow up.
I reached out to the servicer, PHH Mortgage Services as I received a debt collection letter from a " purported '' foreclosure attorney, XXXX XXXX XXXX in XXXX, MA. I sent a debt validation letter in XX/XX/XXXX as well as a QWR ( Qualified Written Request ) to the servicer. What I sent to PHH in the QWR is not what I received. I received a copy of pages of outrageous purported billing charges/fees which included services that don't even exist, as well as information that directly contradicts information I was just able to locate in a XXXX tax document, that was from XXXX. Meaning, the information I received in XXXX from PHH for XXXX accounting does not agree with the actual XXXX tax document in my possession nor was it sent to the IRS by the servicer as it doesn't appear on my transcripts that I recently reviewed. In addition, one of the single page documents from PHH was illegible, unreadable! Not sure it's even readable with a magnifying glass! PHH directs me to contact their Research Department for additional information which is the exact address where the QWR was sent, letter is signed as the Research Dept. Interesting, PHH states in their QWR reply, no fraud has occurred. That statement would be incorrect, all the fraud was removed. In the reply, based on the information PHH states it has, PHH failed to state there was a foreclosure in XXXX, mortgage was written off, charged off or XXXX, the foreclosure was void/invalid by the court in XXXX ( in a case brought by the Plaintiff ). Another case was brought by the Plaintiff ( purported XXXX XXXX XXXX XXXX for XXXX ) was dismissed in XXXX ( XXXX XXXX due to the XXXX decision ). In another case brought by the Plaintiff regarding a quiet title action, the court ruled against the Plaintiff in XXXX, the ruling denied the Plaintiff the authority to foreclose, quiet title action decision was in favor of the Defendant/Homeowner , along with title to the property and no encumbrance on the property, meaning title free and clear to the Defendant/Homeowner whom has lived in and owned this property since XXXX! The property is not vacate, no maintenance has EVER been done at the property, other than by this homeowner though PHH recently sent a document reflecting charges/fees for such.
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| 07/28/2017 |
Yes |
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- Trouble during payment process
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Web |
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On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!
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| 09/19/2015 |
Yes |
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- Settlement process and costs
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Web |
Older American, Servicemember |
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As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies.
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX
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| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This loan has been bounced back and forth between Ocwen loan servicing, Option one, American Home servicing, homeward, XXXX XXXX and others since it was issued.When Ocwen was pressed for info before by myself and CFPB ( XX/XX/2016 ) they provided incomplete ( 4 years missing ) and inaccurate info.From what they did provide several ( thousands of dollars worth ) payments were held in suspension until late fees were created.Many went to fees for foreclosure even while the loan was in bankruptcy.Many seem to have just disappeared all together.Charges were made for inspections 5 times in a three month span several times.There were large payments that look like they disappeared via fees.We are even being charged for the service collecting payments.I have a legal services attorney but she is limited to defending only and can't file against these service company 's.
As first time home buyers we were at the lenders mercy.Interest rate was set at 11 % until we sat down for the closing when it changed to 14.475.We had no idea we could decline the loan at that point due to the change.Ocwen never addressed the fact that we were never told or provided any info about rescinding the loan.I was unaware they had to provide that info or I would have pressed the issue more.I believe the time limit doesn't start until the info is provided which it still hasn't.These company 's are doing all they can to line their pockets at consumers expense.
I would rescind this loan if I had been given the option at any time.We were conned into a high interest rate loan that we didn't qualify for but have tried to pay for it.They continue to claim amounts that aren't legally due and have made thousands in charges eating up much of whats been paid.Most of those charges are unexplained and their record/coding is all but impossible to decipher.i believe this is so as it would be hard for a person to tell where all the bogus charges are hidden.We have paid well over 65,000 on a XXXX loan.If payments were credited correctly the loan would be paid.Payments over what was due were held in suspense, but in escrow or used up as bogus fees not applied to the principle as the contract states.Payments were to be applies to interest, principle first as per our contract.
I think I have the right to demand they provide the info regarding rescinding this bogus mortgage and be allowed to do so. ( time starts when notice is received ) .Company 's should be forced to adhere to the laws regarding consumer protection and be made to pay a penalty for failure to do so.
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| 08/14/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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NOTICE OF DISPUTE OF VALIDITY OF DEBT PHH Mortgage Services XXXX XXXX XXXX Mr. XXXX, NJ XXXX XXXX XXXX, Relationship Manager XXXX RE : Loan # PHH MORTGAGE SERVICES CORPORATION C/O REGISTERED AGENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Ocwen Loan Servicing, LLC C/O Corporate Services Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX Consumer Protection Finance Bureau Washington, DC All : I dispute the debt.
1. PHH mailed me a letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX has never spoken with me, replied to any of my emails, answered any contact from PHH professionals, fairly and properly considered my request for mortgage assistance or timely done so by the Fair Debt Collection Practices Act or the Equal Credit Sportily Act. I recieved the XX/XX/XXXX letter XX/XX/XXXX.
2. Ocwen, the predecessor to PHH, promised me if I submitted a full mortgage assistance application in XX/XX/XXXX, that the mortgage amounts would be refigured for up to 24 months.
3. Neither Ocwen or PHH have executed on the representations made by Ocwen that I have informed them of fore more than 90 days.
4. Federal law required a Mortgage Holder to abate, forestall, and delay any foreclosure proceedings when an application for mortgage assistance is under review.
5. On XX/XX/XXXX, PHH sent a letter to me that it would take 10-15 days to process the request that it has had since XX/XX/XXXX. By federal law, if I disagree with eh assessment, I can appeal the ruling, and by a copy of this letter to the Consumer Protection Finance Bureau, I do so.
6. Contrary to the PHH XX/XX/XXXX letter, PHH denied my rights to get a final ruling and authorized an attorney to procced with foreclosure at least 2 days before, when XXXX XXXX XXXX sent me a letter on XX/XX/XXXX.
7. The XXXX law firm outlined a deceptive, false, misleading letter calculated to frighten and discourage resolution in the XX/XX/XXXX letter that the amount of the debt of {$250.00}, XXXX. The letter doesn't speak to or actually outline the payments due to bring the account current.
8.On XX/XX/XXXX, I received a XX/XX/XXXX letter from XXXX law firm. That letter outlined that I can pay the entire amount owed by OCGA 13-1-11 without paying attorney fees. The letter again is deficient and deceptive in that it doesn't indicate the amount owed to PHH as delinquent principal and interest.
For these reasons, I dispute the debt and challenge the validity of the foreclosure.
|
| 12/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I finally ( after 1 year! ) got a reasonable loan modification from Ocwen -- I thought. After being verbally told that my loan went through ( in XXXX ), I still have not received final loan docs. The problem, I assume, lies within the escrow payment. I have paid my own taxes and insurance since I 've owned my home. Yet, Ocwen has been escrowing my account at ~ $ XXXX/month since XXXX XXXX.
I 've sent in proof of insurance to Ocwen no less than XXXX times ( since XXXX XXXX ). They put lender-purchased insurance on my account as of XXXX XXXX. I have sent in proof of XXXX and XXXX insurance since XXXX XXXX, speaking with an agent on the average of once every two weeks, with no movement on their part. As of XXXX, I finally stayed on the phone FOR XXXX HOURS while they bounced me from department to department, for me to understand that what one department saw on their computer was not being seen on the escrow department 's computer. Ocwen is always telling me that " they 're researching it '', but this agent acknowledged receipt of the document, called my insurance to verify XXXX insurance, then promised me the file would be updated. He then sent the problem to an escalation manager, who was to call me back to verify the transaction. Well, here it is two months later, and this placement of insurance has messed up the escrow account, made it seem as if I 'm behind in payments, and is driving my credit rating down.
Additionally, I have always paid my own taxes, yet, I 'm being escrowed for this. Upon loan modification, an Ocwen agent insisted that my account would need to be escrowed for the taxes. After receiving notice from the County Assessor ( in XXXX ) that my payment was past due, I contacted Ocwen re paying the taxes. XXXX XXXX is the first time they have paid taxes on my behalf. Where has all this escrowed money gone ( since XXXX XXXX )?! At their request, I 've sent in proof of tax payment for the last XXXX bi-annual payments ( XXXX XXXX and XX/XX/XXXX ). They have sent me no proof, even though XXXX agent maintained they paid in XXXX XXXX also. The County Assessor has no record of their payment.
So essentially, they have MORE THAN ENOUGH proof of my tax payments and insurance, yet my account has been escrowed since XXXX XXXX. Ocwen has only recently purchased home insurance ( which I already had ) and paid taxes once ( at my reminding ). Thus, WHERE IS THE MONEY I AM OWED?! Why can some of their agents see proof of the aforementioned, yet it never shows up on the computers which would set my account in order?
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| 10/31/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Every year about the same time, Ocwen Loan Services states that the Escrow is short, and they missed a Tax payment on purpose, to have an excuse to collect more to pay the current and the late tax.
During the past year, I have paid a Total of : {$3800.00} in Escrow taxes, all statements, and cancelled check are attached, on which {$1900.00} is for XX/XX/XXXXtaxed and the surplus is {$1800.00}, thats enough to pay the late taxes of {$1000.00} and even so, that will be a positive balance of {$850.00}.
Ocwen makes their accountability so complicated that we dont understand and in that it makes that we keep owing Escrow payment for them.
It is much easier if they sum all Escrows deductions and make submit 2 payments twice a year to the city of XXXX, but they have botched escrow accounts, but they keep it complicated so they can continue their wicked scheme and continue to make money on that.
Following is what I just paid Ocwen and City of XXXX in taxes.
XX/XX/XXXX{$970.00} To the City of XXXX XX/XX/XXXX {$640.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$640.00} To Ocwen Concerning XXXX StatementXX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX, XXXX {$130.00} To Ocwen Concerning XXXX Statement Total : {$3800.00} They increased my mortgage in {$6900.00} by XXXX XXXX and will increase again in interest in XXXX XXXX, and they are trying to make it so difficult that I cant continue paying and start a foreclose on my property.
I sent a request to Ocwen on XXXX XXXX, XXXX to cancel my escrow, and I wll pay my Taxes, in order to avoid their late fees, and Ill let you know, the outputs of the request.
Id like to receive all payments that I have mad in excess in Escrow to XXXX, I have no idea how much, but maybe is over {$5000.00}.
Im trying to find lawyers in U.S. that are representing another homeowners against Ocwen, so, they can sue them, for that, and also for the insecurity and hardships they bring to me and family.
|
| 12/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
|
|
I purchased my home in 2007 from American Home Mortgage. I had a first mortgage of around XXXX and a second mortgage of XXXX. The first mortgage was supposed to be and FHA and the XXXX was a program through calhfa for educators that worked in title XXXX schools and it had no interest. 2 Weeks after my loan went through, American Home mortgage went bankrupt. My paperwork was never sent in to FHA or XXXX. I received a letter from XXXX XXXX XXXX about XXXX10 months after I had been making payments with a refund for my property mortgage insurance. I was told at that time that my loan had been assumed by XXXX XXXX XXXX and was a conventional loan with a fixed rate of 5.5 %. I no longer had to pay the PMI. That also stopped me from being able to roll it into a FHA loan when the interest rates dropped. I was underwater on my loan because of property values but never missed a payment. Now I am trying to refinance but the paperwork has been lost on my XXXX and my refinance will not go through unless we can get information from the trustee of American Home Mortgage on my 2nd mortgage. I am locked into a XXXX interest rate until XXXX XXXX. If we do not hear from the trustee the XXXX my loan will not go through. I will have to pay for the appraisal and processing costs. This loan will save me XXXX per month on my payments. I have copied the info from my loan officer below. She has requested the info from the trustee but has not heard anything from them. The only contact info we have is an email address : XXXXXXXXXXXX.
To : XXXXXXXXXXXX ' Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX mortgage Hello- I am the lender that is assisting the Capteins with a refinance of their first mortgage. We need the second mortgage to subordinate as their appraisal did not come in high enough to pay off the second mortgage. XXXX XXXX from XXXX sent the assignment of the second to you as this loan was never sent to XXXX to purchase when the borrower 's closed on their transaction back in XXXX of 2007.
Please advise if you need any additional information from XXXX XXXX Mortgage. XXXX XXXX with XXXX XXXX title can send you documents for the subordination upon your approval. Our lock expires on their rate on the XXXX of XXXX, so please advise at your earliest opportunity.
Thank you.
XXXX XXXX XXXX XXXX Mortgage Loan Officer I am in desperate need of help with this. And of course I need it asap before XXXX. Please advise, Thanks, XXXX XXXX
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| 03/29/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments.
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me.
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent.
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void.
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM. CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void.
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence.
XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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This is a continuation of my previous complaints that have not been sucessfully resolved.
Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not.
5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing.
b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money.
d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in.
f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money.
g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call.
When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time.
h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank.
i.XXXX called and said there is no offer of money ....
HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.
|
| 05/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American, Servicemember |
|
In late XXXX, XXXX, I refinanced my mortgage. The original mortgage holder, PHH Mortgage Services in XXXX. XXXX, NJ was holding {$2900.00} in escrow money that was due to be returned to me.
I was in Florida from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The post office was holding my mail during that period. When I returned I picked up all the held mail on XXXX XXXX, XXXX and looked for the check from PHH which wasn't in my held mail.
On XXXX XXXX I calledl PHH to say I didn't receive the check. I spoke to " XXXX '' who told me the check was mailed on XXXX XXXX, XXXX. Since I didn't receive it she told me she'd put a stop on it and mail a new check which should arrive in 7-10 days.
A new check didn't arrive. I called PHH again on XXXX XXXX, XXXX. This time I spoke to Escalation Relationship Manager in the PHH ERM dept., XXXX, who informed me that the check had been cashed on XXXX XXXX, XXXX.
Since I was in Florida between XXXX XXXX and XXXX XXXX and the post office was holding my mail there was no way I could have received or cashed the check. I asked for a copy of the front and back of the endorsed check which she sent me and is attached.
It is endorsed with a stranger 's name and my husband and my names. This is not my signature and my husband is a resident of a memory care facility in Florida certainly did not sign this check either. Clearly the signatures are fraudulent.
I did not cash this check. This check was stolen and fraudulently endorsed.
XXXX at PHH asked me to make a police report which I did and is attached. She told me once she received the police report PHH would reissue a new check in the amount of {$2900.00}.
On XX/XX/XXXX I emailed a copy of the police report to XXXX in the ERM dept. at PHH with a copy of the police report attached. On XX/XX/XXXX, I emailed PHH with a copy of the police report again. On XX/XX/XXXX, I faxed a copy of the police report to XXXX at XXXX.
Although I received a brief email from PHH on XX/XX/XXXX saying that the Fraud dept. was looking into this, I still have not received the money owed me by PHH.
I've called XXXX at PHH numerous times at XXXX, ext. XXXX. She doesn't answer the phone so I have left numerous messages with no return calls. I have also spoken numerous times to various other agents who have told me they left messages for her and her supervisor to call me but still no response.
I don't know what else to do. PHH still owes me {$2900.00}. I feel it is their responsibility to figure out what happened and who stole and cashed this check.
|
| 04/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control.
I purchased with the purpose of an investment property. Unfortunately, it is located in a Zone A area, with a high potential of flooding. In XXXX, during Hurricane XXXX, the property sustained substantial damage, in which the space was no longer safe to rent, and the tenants had to move out. When I brought the insurance adjuster over to inspect the house, I found out that the property was vandalized and burglarized, with all of the heating and water pipes removed, windows broken, etc. while vacant. At that time, the insurance company refused to pay any claims. While I was able to obtain different insurance coverage, I was forced to finance the repairs out of pocket.
While slowly repairing the damages from Hurricane XXXX and the burglary, XXXX XXXX XXXX devastated the area, and the home sustained even more damages than during Hurricane XXXX. All repairs ceased and I had to start from the beginning. Like many homeowners at that time, I then had to fight with my insurance company to cover incurred damages. Unfortunately, the property was not covered by FEMA because it was not my primary residence. Although working with the insurance companies took a great deal of time, I was successful and was able to begin repairs.
Throughout this time I have been in constant communication with the bank and had all intentions of rectifying the mortgage arrears once the repairs were completed. The series of events slowed down the process and made it almost impossible for me to be able to catch up. Unfortunately, since XXXX XXXX XXXX, the location of the property is considered severely depressed and unable to sell for anything close to the original purchasing price. I have been left with no choice but to sell the property for less. My attorney has been in negotiations with the bank to resolve this issue on my behalf. We have made some progress, as the smaller second mortgage was closed and discharged in XXXX. In the meantime I have been receiving letters from the bank and the attorneys representing them. Some of these letters have been quite confusing. The most recent correspondence, for example, states that the house will be auctioned at the XXXX County courthouse on " XXXX XXXX, XXXX. '' I have attached the most recent notice of sale that was sent. The next steps are unclear to me, as the dates on this document have already passed.
|
| 10/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
This account has been brought current by after two years of problems with PHH MORTGAGE SERVICES ( who also made us go through XXXX XXXX XXXX XXXX for a while and then said that it was just advertising ). The problems with PHH have been EVERY MONTH. They delay posting payments and then claim they are late, then put monies in a holding account, then years ago that forced us into bankruptcy to keep our home of 20 years at that point. Now that account is was again up-to-date, we tried to make the XXXX pmt online but they account said that service was UNAVAILABLE to us ( But this is the tactic starting all over again that they use to delay pmts and then claim pmts are late ). We made a phone pmt on XX/XX/XXXX. It is now XX/XX/XXXX and they still have not posted the pmt. We have talked to them 3 times since making pmt. Each phone call last average of two hours. They PURPOSEFULLY make it Very difficult to pay. We called on the XXXX and asked why the pmt wasn't posted, they claimed bank rejected it. We went to bank and got a read out of the day before, day of and day after and talked to bank. They said PHH never attempted to withdrawal funds even though PHH claimed it was bank error. It was NOT. On XXXX XXXX they reinitiated the pmt and again said it would not post for several days ( they declined to make a debit card payment and only would accept check ). We also have attempted to fill out paperwork to be able to make online pmts. NEVER has any other company been so deceptive, and purposefully negligent that makes it close to impossible to make payments and have them correctly posted. XXXX XXXX in the loan holder and they used to use OCWEN Mortgage Servicing but had to pay out due to fraudulent/predatory lending. They had to pay us as well. Then they just changed names to PHH but same fraudulent/predatory practices are remaining. WE WILL NOT LOOSE THIS HOUSE. THEY WILL NOT WIN!
Last time they did this they held all our funds they would not apply to account ( because they said since it was late it was all due... BUT this is how they make it 'late '!! ) They held several XXXX in a holding account and that was never applied. They steal funds, they lie, they make you wait for hours to take care of Any business and don't apply. I want to be able to pay my bill online and have it applied TIMELY. I really want another servicing company that is not negligent and VILE THIS IS A COPY OF THE COMPLAINT I MADE TODAY THROUGH DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. I WILL KEEP SUBMITTING UNTIL THIS PREDATORY BEHAVIOUR STOPS
|
| 10/31/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I sent in a request to PHH mortgage XXXX XXXX explainingthat on XX/XX/XXXX, I reached out to the company. At that time my mortgage was LESS than 90 days late. I spoke to a representativeon the phone and she told me exactly what I needed to send in to bring my account current. I sent a cashier 's check of {$6300.00}. That money covered XXXX, XXXX and I was paying my XXXX payment in XXXX. I paid all the way up till XXXX. However, Ocwen claimed that they never receivedthe payment. They said they were researching the payment. I went to my bank and got all the receiptswhich revealed that I got a cashier'scheck on XX/XX/XXXX for {$6300.00} and on XX/XX/XXXX for {$670.00}. On XX/XX/XXXX, Ocwen transferredto PHH and you all lost my payment in the process. I was told not to pay again until XXXX while they look for the money. When the money was found I wasn't even notified, I was never treated with any respect, no one ever returned my emails or my calls. I had to call around the clock! In the end, you never acknowledged your error. On XX/XX/XXXX, I once again reached out to see what was going on with my mortgage and I was told by XXXX XXXX that I would be notified by mail. The mail came and I read that my house was in FORECLOSURE! I was mortified because how was my house in foreclosure when I paid my bill and I was never over 30 days behind? The company forbade me from sending in my XXXX payment until they found the lost payment. I filed complaintswith the XXXX and the Consumer Protection Agency and I am doing so again. Your company responded to my complaint on XX/XX/XXXX and the letter stated : '' On XX/XX/XXXX we receivedfunds in the amount of XXXX which was applied to payments for the period of XX/XX/XXXX through XX/XX/XXXX with an effective date XX/XX/XXXX ''. This response did not address my issue, it doesn't acknowledge that my money was lost by PHH/ OCWEN in XXXX and that XXXX was what I was forced to pay to get my house out of a foreclosure it never should have been in in the first place. I request that the existing fees be waived as I never earned them. Also, any money I was forced to pay that I did not owe associated with a foreclosure that was NO fault of mine be sent. I have sent you copies of the funds i took in XXXX. In XXXX of XXXX, I owed XXXX and XXXX as it was not the end of XXXX yet and I paid what was owed, this company is unprofessional and you are dishonest and lack integrity. I want my letter to be properly addressed this time and I want the fees removed from my mortgage expeditiously. I
|
| 07/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Here gors the story again, I paid ocwen XXXX off my principal in about XX/XX/XXXX, They post it minus the XXXX to principal witch is my payment, I also was told by some tech to apply an extra XXXX to principal, next day it shows up in escrow, then at that time all my payments are made to principal.They get them self off the hook and reverse everything to P & I but still apply everything to principal and as you know that can put me into a fore closure situation, than i must off gotten them reL XXXX, i GOT out of escrow.Paid by XXXX XXXX IN THREE DAYS & lt ; XXXX and change.Now they are still applying everthing I pay to principal only, I has to get to an ombusmen to get that changed after, this five months of reversal ofl hell.I have XXXX doc on these people, saving you the time.next great one, they add XXXX to escrow, tech says it has something to do with tax, well i have no escrow i guess cause I complain ed conviently they change that to a renibursement which was done well over a week ago and i have not seen my money.They have not reported me to the credit agencies right, they say my due date is the XX/XX/XXXX/my due date is XX/XX/XXXX/th ey had one of thier techslie and say we report that on your grace day, well that is XX/XX/XXXX.my due as it stand s is XXXX/XXXX/2015 unless they change it ( IT says XXXX XXXX ) .here is a list off thier instutial owners, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, very powerful ones, that pull Ocwen 's string as Ocwen pulls mine , I wish you to report this all over the internet and to all that can help, the third party servicing is fine but since they allow, they are all part of this, i can care less what they do to me, maybe instead off these litigation, we can go civil.i do not know if this works, but they are killing peo ple all over the place, i just need someone with the courage to put them in thier place, by the way they con tinue to buy time for they send me a letter and tell me it will be XX/XX/2015.You see what i mean.Remember, i have saved app XXXX SAVE MAILED DOCS FROM THEM, I CAN FAX THEM ALL TO YOU, BUT I AM SURE YOU HAVE LOTS MORE TO DO, TOO BAD A ROTTEN APPLE HAS TO STINK UP THE, REST, SINCERLY, XXXX XXXX, Ps i have proof they post date, they di not even inform me my escrow was to go from XXXX to XXXX, they have broken all the laws!!!!!!!!!! oh afte the ca oversite commitee had them reverse all those payment up to XX/XX/XXXX, they continued to do principal only!!!!!!!!!!!!!!!!, like I said i can fax it all to you!
|
| 05/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Every month the company sends me a letter prior to sending the statement saying what my next months payment will be. I always pay my payment on time and have never been late. All of the sudden the XX/XX/XXXX statement comes and it does n't reflect what the payment letter stated the payment was to be. Then when I went to make the payment on line the it said exactly what the payment letter said was due for the payment. So I made the payment and the next thing I know they are putting my payments to a suspense account and saying there was a payment shortage. I contacted the mortgage company and they could n't tell me why and they would have to send it to the research department and they would get back to me within 10 days, which never happened. I have sent them emails to XXXX different departments ( I have attached a copy of one of the emails please note all XXXX were the same ) requesting the information and a registered letter which they acknowledge getting, but they still continue to charge me an additional amount every month. This has been going on for 3 months now and when I pull up my payment history they have all these charges and rev charges and some charges I have never heard of. I can show my payment history that shows payment after payment and then all of the sudden on XXXX XXXX all these crazy charges started. They refuse to explain to me what these charges are for? Again, this month I went to make the payment as always and the only amount it will allow me to pay is the regular amount ( and extra principal if I want ). Can someone please help me? I had a similar issue with them when they purchased my and loan and it took forever, but they finally straightened it out after they continually treated like I needed credit counseling and possible loan modification, when in fact i just wanted to make my regular payments on time and have them credited correctly, and now years later here we start again! Please note that i have EVERY statement from the very first payment on this loans origination approx 11 years ago. I have never been late one payment and never intend to!! I just want to make my payments and have them credited properly and if there is an additional charges please tell me what its for! Just think if they charged every customer an additional XXXX ( approx amount ) how much additional money they would make from those people that just pay and never question it. Now they are trying to jerk me around because I did question it and they refuse to give me an explanation or fix it!! Please help! Thanks
|
| 12/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
This complaint is for Ocwen Loan Servicing.
I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions.
1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number!
2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response!
4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies.
Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust!
5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents!
Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints.
Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.
|
| 09/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX, XXXX at our XXXX XXXX County Recorders XXXX on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XXXX XXXX, XXXX have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to OCWEN, XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX.
These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/2014 : Notice of Dispute and Demand for Verification letter certified mail served to Ocwen.
2. XX/XX/XXXX : XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office.
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against Ocwen and XXXX Bank.
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to OCWEN and AFFIDAVIT REQUEST TO OCWEN LOAN SERVICING , LLC VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity.
5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX.
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and Ocwen Loan Servicing , LLC .
PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right.
I 'm demanding that these XXXX ENTITIES, OCWEN, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity.
I can be reached at ( XXXX ) XXXX.
respectfully, XXXX XXXX
|
| 09/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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My loan servicer is Ocwen. Since they bought me from XXXX, my life has been a living XXXX. They shined me on during the XXXX modification process, kept telling me they did n't have my Dodd Frank form that I sent them XXXX times, gave me a trial mod and had me make payments while all the while reporting me late to the credit bureaus, and then finally, illegally foreclosing on me while I was in a XXXX. I went to court, fought them off, and got a load mod. They made me do trial payments again, stalled for 8 or 9 months in getting me my new paperwork, but did reduce my payment to $ XXXX/month. They settled with this in house mod, and now, I am facing foreclosure again, because they lost a payment! There 's no winning with these folks! I have proof they not only got that payment but cashed it. And they have reported me late again to the credit reporting agencies XXXX times since the cashed payment went missing, which ties my hands from being able to refinance with anyone else. They made and end run around federal oversight in the XXXX place by stalling my Hope for Homeowners applications, then again with the in house modification. They made me waive my trial by jury rights, and sign a confidentiality agreement. And now, with this new fictitious lost payment, they already have committed mail fraud XXXX times by reporting me late for a payment they cashed ... ..why is no one going after these guys for XXXX violations? They were already found in collusion with XXXX for force placed homeowners insurance plans that were sold at inflated costs.
And my {$1000.00} payment? 20 months later and right back up to {$1500.00}, because now I 'm being forced to keep XXXX my escrow costs in the escrow account.
Do n't make a deal with them. You 'll end up in court again, as I am going to be soon. They have no intention of doing anything except steal from their clients as much as they can.
Also, the new regulation they are supposed to assign you XXXX person as a point of contact in loss mitigation? Yeah, they do n't do that either. Yet they have XXXX of folks calling me XXXX a week for months to harass me.
The only thing that their confidentiality clause did was keep me from talking under risk of immediate foreclosure. Guess what, illegally foreclosing on me again is n't likely to persuade me to not talk. I 'm in south carolina. My county has been suing them too, and winning. This company is a collusive criminal enterprise being sued and losing in multiple states. The federal government must step in and put a stop to this!
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| 03/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response.
Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale.
On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX.
We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response.
This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner.
In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic?
Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale.
Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson.
I want Ocwen to review the borrower for a short sale, like they told her they would.
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| 12/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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1- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 2- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 3- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} XXXX XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paper work Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX Difference of {$19.00} 6- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 7- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00}.
8- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. On this date my interest rate is 3.875 % payoff amount per Ocwen is {$170000.00}. Ocwen took over my loan at the amount of {$20000.00} at the same interest rate. Should n't the monthly payment be dropping since 3.875 % of {$170000.00} is less than 3.875 % of {$200000.00}? But Ocwen has been raising my escrow payment it seems to make the difference.
9- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$58.00} 10- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00} 11- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}.
This is a difference of {$350.00} That should of been applied to the principal of the loan.
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| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I complained about the same situation a couple of years ago. Ocwen sent fictitious records which they will probably do again. I have a mortgage being serviced by Ocwen. I have been dealing with this issue since XXXX. I have been harrassed, threatened foreclosure, They stated I owed them XXXX dollars at one point then I got an attorney and they stated less just three weeks ago they said I owed them XXXX, A week later XXXX. This week we are at XXXX. My lawyer was costing more than the equity so I dropped them and I am back to square one. Bad credit, stress and unable to obtain financial peace of mind. I had the loan originaly serviced by Indymac even though it was the same company it changed to OCWEN. Indymac had sold my loan while having errors. I disputed the errors to OCWEN. I asked them to respect RESPA but to know available remedy. OCWEN does not have a representative to talk to each representative regergetated the amount shown on their computer and when fees where assessed I had no other remedy other than to complain or pay the ballooned balance and eroneous fees or suffer the consequences. Since I am writing this, It can be assumed that I chose to suffer the stress, humilation and embarassment of being chastised by my work as OCWEN called or by being harrassed by the representative. OCWEN upon assuming the loan also began to charge me exessive amounts on my escrow account. They have now stopped accepting my payments as they have done before. They have returned three payments that happened to be the only payments that I have missed during this tenure. I offered them a settlement of XXXX. They accepted however they stated that the loan must be paid off by XXXX/XXXX/XXXX. I obtained a loan from XXXX I explained that it was a settlement and they agreed to work fast. The loan was ready to go all they needed the bank to say was this was a settlement and the loan will be considered paid in full. Every phone call to OCWEN from XXXX XXXX repeatedly stopped the loan by telling the processor that it was a short sale and that the home was in foreclusore. Each time I called the representative they stated that it is not so that it was a settlement. XXXX XXXX attempted to contact OCWEN with the same results that I have had for 9 years. Different representatives and unable to confirm that the property was not in foreclosure or short sale. After the date expired I recieved a letter explaining that they had offered a short sale. Even though I am the original owner who they were offering the settlement to.
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| 12/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.
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| 08/05/2022 |
Yes |
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- Trouble during payment process
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Web |
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PHH MORTGAGE Services deceptive practices on how much I owned on the monthly mortgage payments with me paying {$1900.00} my escrow shortage paid in full before XXXX of XXXX. Theres unknown balance owned and any other shortages to bring my Mortgage back to {$1000.00}.
Billing Letter showing my XX/XX/XXXX payment due is {$1200.00}.
PHH MTG website mortgage bill for XX/XX/XXXX due is {$1100.00} I paid {$1900.00} in full for my escrow shortage.
Unknown fees not disclosed to correct my normal monthly mortgage amount back to {$1000.00} 10 months of trying to get an answer from PHH Mortgage and I am still waiting now.
My original Mortgage amount is {$1000.00}. I paid my Escrow shortage of XXXX and now I still own more with no one telling me what is the exact amount that I owned to show my monthly amount back to {$1000.00}.
I was forced to change Homeowner Insurance because XXXX XXXX XXXXXXXX XXXX XXXXXXXX filed Bankruptcy in XX/XX/XXXX and drop my homeowner Insurance. I pick up XXXX XXXX XXXX in XXXX of XXXX and PHH will not tell me what I owe them to take care of my shortage in Escrow until XXXX of XXXX and the extra mortgage total amount due to show my mortgage back to its regular amount of {$1000.00}. PHH Mortgage company is running me around since XXXX of XXXX. Today XX/XX/XXXX, four calls to the Mortgage Company and they are still running me around with no answer.
I have only until XX/XX/XXXX, to make my mortgage payment, then I will be hit with late fees plus no one will tell me the different that I need to pay to show my original normal payments. PHH Mortgage is running me in circle for 10 months and they are setting me up for a Foreclosure if I don't pay them what is owned, and I am unsure all the amount is due. I bought my house in XXXX of XXXX and never had a problem until now. I am 100 % sure that the mortgage company is doing deceptive practices with me. Can someone please help me to get to the bottom of why the Mortgage company is not disclosing total amount due so I can get back on track with my mortgage.
I believe PHH Mortgage is trying to send me into foreclosed over deceptive practices not disclosing the total amount owned on Mortgage monthly bill. Why will no one at the Mortgage co. give me a straight answer and I have paid them {$1900.00} cent but now it's more money due that was never disclosed to me also more money will be due by XX/XX/XXXX, for late payment. I am confused and just need to know what is the totally amount to get my mortgage back to its normal payments.
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| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to Ocwen Financial. This initial package included at least one component of the Initial Package was faxed on XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version 5.0 As if XX/XX/XXXX XXXX XXXX XXXX XXXX , Pg 71, Borrowers in Bankruptcy. Borrowers in active Chapter XXXX or Chapter XXXX bankruptcy cases are eligible for HAMP at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for HAMP if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer. In XXXX and because of the Chapter XXXX we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter and was not advised that they did not have one on file. Ocwen has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but Ocwen but there has not been cooperation in the past. Their attorney for XXXX XXXX is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed. Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied. We were not offered any XXXX Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in XXXX . They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter XXXX plan. They are asking the Chapter XXXX case be dismissed. Escrow Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA. We do not know what the Trustee payments were applied to.
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| 01/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My mortgage is currently being serviced by Ocwen and we have been trying to modify our mortgage with them for XXXX plus days now. The reason for the modification request is that our Ocwen loan was previously an interest only arm and was reset to a 20 year amortization starting on XXXX XXXX XXXX. My mortgage payment went from {$880.00} to $ XXXX+ dollars ...., just based on the amortization rescheduling. This has put a tremendous financial hardship on my family which we are trying to work through .... ( currently working XXXX jobs to cover the extra monthly payment ) We were notified in late XX/XX/XXXX on the change and by XXXX XXXX had submitted and application for modification. From that time on, it has been a weekly struggle regarding new items that are being ask for and/or items that are sent in, supposedly cleared ( confirmed by " relationship mgr '' ) then asked for a few weeks later as if nothing was ever reviewed. Multiple requests with multiple customer service individuals to escalate to a manager or someone to help explain goes ignored and put in " comment '' screens with no return calls for 3 months ... only being allowed to speak to the " relationship manager. '' Having bad service is one thing, but the incompetence of this is so bad it, ... it almost feels like there is a strategy behind this process. ( I have been sending in information to them since XXXX XXXX XXXX, XXXX or XXXX complete list of items have been sent in ) I have also been told that this reconditioning of items is just the beginning and my loan file has not even been sent to an underwriter for full approval which is baffling to me since a property valuation was done XX/XX/XXXX or XX/XX/XXXX ... Financials, disclosures and all sorts of letters of explanation have been submitted for 2 months .... ( We also get confusing information requests in the mail asking for things from 2 months ago that our relationship mgr tells us to ignore since we have already submitted it .... ) We are not asking for any special treatment, just wanting our mortgage servicer to be anything but atrocious at this point. Our mortgage history has been perfect for almost 10 years, even through some pretty rough personal issues. ( One being that we got the first modification in XX/XX/XXXX and had to basically rebuild our house during the XXXX XXXX XXXX. ) We are extremely frustrated with Ocwen 's ability to work through this on their own and feel " trapped '' with limited options based on how Ocwen has treated us so far.
sincerely, XXXX XXXX
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| 04/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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To whom it may concern ; I write to you to explain a situation that I find myself in.
Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan.
Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.
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| 09/23/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XX/XX/XXXXI have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to XXXX, XXXX XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX.
These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/XXXX : Notice of Dispute and Demand for Verification letter certified mail served to XXXX.
2. XX/XX/XXXX : XXXX XXXX XXXX XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office.
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against XXXX and XXXX XXXX.
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to XXXX and AFFIDAVIT REQUEST TO XXXX XXXX XXXX, XXXX VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity.
5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX.
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and XXXX.
PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right.
I 'm demanding that these XXXX ENTITIES, XXXX, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity.
I can be reached at XXXX XXXX XXXX XXXX.
respectfully, XXXX XXXX
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| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Older American |
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I have a XXXX condition, starting in XX/XX/2020 my condition progressed. By XX/XX/2020, I was unable to walk and had to shelter in place at my place of business. Also during that time, I had to quartine until I received a Covid-19 test. Because of the nature of my business a child daycare, I am required to be there from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I had my daughter to drive by on different days just to check my home. She noticed nothing wrong. On XX/XX/XXXX she went there and found that someone had entered my home. they had placed papers inside my windows, door, and throughout the house. The company that left the papers is XXXX XXXX XXXX. They claimed that they had been hired to winterize my home at the request of XXXX XXXX XXXX XXXX XXXX. I contacted my Bankruptcy Attorney, he contacted my mortgage company PHH. They told him that they had not sent anyone into my home. My gate with 2 locks, entrance, and security door a total of 6 locks had been forced and left open. My home had been vandalized. Personal property was stolen and broken. He advised me to contact the police. When I contacted my mortgage company they denied using this company. I was told that they use a company called XXXX for property preservation. I was told that XXXX had preformed a no contact inspection and found my home to be occupied. I did not find out that they had sent XXXX XXXX XXXX out until I requested a break down of outstanding charges. they had no right to enter my home, my mortgage is being paid. I have been calling PHH since this was discovered in XXXX. They are still investigating, they also claimed XXXX was supposed to do a no contact inspection. We have also contacted XXXX who has always claimed that PHH/Ocwen hired them. A person at XXXX named XXXX stated that they were hired to do winterization on my home. She claimed they knocked on my door 3 times, got no answer, and entered my home. She also claimed they had another work order for my home, but would now cancel it. That is impossible no one can reach my entrance and security doors without coming through a 2 lock gate. The locks on my gate were forced open and replaced with 2 old painted locks that were open. My entrance and security door were forced open. They also hung a keyless entry lock on the handle of my security door making it appear to be locked. I don't understand what type of winterization they performed because now my water heater and furnace have water damage and have to be replaced. they were fairly new, even even XXXX years old.
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| 11/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Ocwen loan XXXX XXXX XXXX Last 4 social XXXX XXXX XXXX XXXX XXXX XXXX Ocwen has failed to respond to our claims and therefore we will submit our first complaint report to the Federal government agencies including General Arrorneys office and the national mortgage settlement, third party monitors that report to Congress. Bellow is a partial summary of the full report.
The first complaint addresses our demand to remove escrow account from Ocwen on the grounds and only submitting monthly statements asking for amounts due of the HAMP modification agreement of 2012 prior to Ocwens acquisition We will fulfill our obligations to any third party funds such as tax and insurance The first complaint address the following failures and violations 1. failure to perform proper accounting in terms of application of full amounts of monthly payment in a timely manner, 2. Holding large amounts of monthly payments in addition to RESPA allowed escrow amounts in additional accounts labeled suspended funds, misc, other, fees Then applying those funds weeks and even months later via transactions labeled credit for fees, application of suspended funds, credit for home evaluations, ...
3. Submitting products that were falsely created, back dated that contain erroneous information to cover up the charges for fees and products such as false title insurance that does not exist, title searches that cost unreasonable amounts of fees, returned check fees for checks and dates that does not exist according to our bank accounts 4. Delayed crediting to our funds in unacceptable accounting such as partial payments as low as {$29.00} at times and delayed dates as long as several months at times 5. Falsely reporting to the IRS surplus funds as misc when in fact they are exceeding RESPA regulations by unlawful amounts 6. Consistent pattern of faulty accounting and violations in a repetition manner proving willful intent to gain financial interest of the investors XXXX XXXX by keeping as much funds for as long periods of time possible and causing harm to the consumers Ocwen has failed to perform its duties as a loan servicing company, caused damages to our accounts, credit and title not mention disruptions to our life Due to breach of trust, we do not have any confidence in sending any further payments unless a third party monitor handles the funds and those funds will be for the fixed HAMP payment of principle and interest only This third party will either be the federal agencies or the chapter XXXX court and trustees
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| 03/02/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ).
1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done.
2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done.
3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate.
4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this.
5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home.
7 ) Buyers inspection, bids, comps are all attached too.
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland.
Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!
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| 01/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are " in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX, and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer, but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint, upon receiving the documents, there is a # XXXX.on the rules that frees Ocwen from any futher claims or liabilities in the future or the past.UNBELIEVABLE Now I see why when I sent the proof to Ocwen they said they did n't respond. They are one in the same ( Ocwen and XXXX ) Here are facts on my issue.
1.A history of XXXX-XXXX servicers throughout loan, and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof, the copies of the cancelled checks.
2. When the house was in XXXX different bankruptcy cases, payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen ), is not credited on the loan. I have pointed this out to Ocwen and sent proof, and they refuse to do anything about it.
3. They illegally forclosed, added a new bank without notifying me of the bank.
4. Refused to offer the XXXX and only offered XXXX 5.I am now homeless, have a income of {$1200.00} a month. My spouse is a XXXX veteran and is in a medical facility and his total income goes to that place.
6. I keep asking for the XXXX amount and they refuse to give it to me. So now, Ocwen will set us up for a bad tax liability, that will probably take up further downhill. Basically they will still from us for the second time on the XXXX!
6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY ), I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS, I HAVE NO CHOICE, TO TRADE A THEFT OF XXXX XXXX FOR XXXX! I SEE WHY OCWEN NEVER ADDRESSED THE MONEY!
THIS IS THE AMERICAN DREAM!
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| 02/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My home is underwater I owe more than its worth and I needed help.
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX.
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX.
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.
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| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello my name is XXXX XXXX
My OCWEN acct number is XXXX & XXXX This house I purchased XX/XX/XXXX when I was not making money but I was approved to buy a house and without any down payment or cost fee I was sold a house that also was structural damaged has foundation problems at that time as a buyer I was not protected by the law it wasnt require to bring and engineer or an inspector to approved the loan base in the condition of the house. Now that Im in the other side I want to sell it and now there is more protections for the buyers. I need help Im begging for help and I really hope I can get some help. For more then 12 yeas I have paying 2 mortgages one with 10% and the other one almost 8% I need you to help me to put it only in one loan and make it affordable to pay the mortgage we are a low income family trying to make it. Now with my wife ill Im the only income. Help us please I beg you. I really want to avoid foreclosure and ocwen doesnt work with us.
Sent from my XXXX
Sent from my XXXX
On XX/XX/XXXX, at XXXX XXXX, CFPB wrote:
CFPB Header
Your complaint has been sent to the company.
XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about OCWEN. We've sent your complaint to the company for their response.
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint.
You should receive a status update within the next 15 days.
The complaint process involves 6 steps. Step 1 is complaint submitted. Step 2 is review and route. Step 3 is company review and response. Step 4 is complaint closed and published. Step 5 is consumer reviews response. Step 6 is analyze and report. Step 2: Review and Route is currently selected.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Date sent to company: XX/XX/XXXX
Product: Mortgage
Issue: Struggling to pay mortgage
What happens next?
Here's what will happen during the next 15 to 60 days:
The company has 15 days to respond and up to 60 days to provide a final response.
You can keep up to date by logging in to your Consumer Portal at https://portal.consumerfinance.gov/consumer or calling us at (XXXX) XXXX.
Thank you,
Consumer Financial Protection Bureau
consumerfinance.gov
(XXXX) XXXX XXXX XXXX
More about our complaint process: consumerfinance.gov/complaint/ or call (XXXX) XXXX
For legal assistance visit the Legal Services Corporation website: lsc.gov
Additional financial information and resources: consumerfinance.gov
|
| 03/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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Web |
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Since my last complaint, my account with this mortgage servicer was totally researched and it was discovered and settled by Ocwen that they wrongly calculated % and charged higher payments than they should have, on my loan, for the five years that they have serviced it. But the loan was actually from XXXX. I would like to request further examination of this loan, specifically when it was held by Litton Loan Servicing, which Ocwen purchased in XXXX. I have had my mortgage for ten years -- I closed in XXXX XXXX. I have statements from Litton Loan Servicing as early as XXXX. I want Ocwen to forensically assess my loan for what % rates should have been and if what I was charged was correct from XXXX to XXXX. If it is found to be wrongly calculated and I was overcharged in any way, I want a full refund including any late fees and interest or suspense monies held. I am deeply disturbed that my mortgage was handled so poorly and concurrently when I had great financial difficulties in my life. Tax-payers bailed out the banks and folks like me have been trying to do right, pay right and be smart about our credit through the entire crisis. Ironic. I have an Ocwen Ombudsman ( actually two ) but I have not heard from either one since I have left several voicemail messages regarding this new request. XXXX XXXX and XXXX XXXX are my Ocwen contacts. Please help me proceed. I have My Litton Loan Servicing account number and will scan the statement for when I made my first payment to Litton on XXXX/XXXX/XXXX via check # XXXX for the amount of {$1200.00}. My statement listed 7.25 % as the interest rate. The principal balance was {$240000.00}. And the last payment I have recorded to Litton was {$2400.00} on XXXX/XXXX/XXXX. The month before my records indicate I made a phone payment in the amount of {$5000.00}. My statement from Litton Loan Servicing dated XXXX/XXXX/XXXX lists my principal balance as {$260000.00} and the interest rate as 7.25 %. I need so much more information! Why did the interest rate change when Ocwen purchased my mortgage from Litton loan? Why has it always been 7.25 % if it was an adjustable loan? Was it supposed to be less every year since XXXX? Why is my principal higher in XXXX than in XXXX? Has this loan always been growing principal? Please require Ocwen to continue this case! They have to date refused any amount of financial settlement for damages -- even though they caused me financial stress, but if they owe me my own money, then I want every penny back. Please advise.
|
| 08/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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PHH Mortgage services my loan initiated in XX/XX/XXXX. Since then, this company has shown inability to provide basic management services. In XXXX, the company was not aware of their responsibility to pay my property taxes ; this was reflected in an uncharacteristically large refund in XX/XX/XXXX and lowering of my monthly payment by almost {$700.00}. At this time, I did not know that this resulted from PHH somehow determining that I would not pay property taxes in XXXX when I clearly had paid my XXXX taxes. I did my due diligence and attempted to contact PHH several times to validate the reasoning for this dramatic change in monthly payment, but each PHH agent could only tell me that it was due to the refunded surplus. One agent suggested that I was exempt from property taxes, which I corrected, asserting that I have never communicated such information to PHH.
In XX/XX/XXXX, I received a tax levy for my property. After submitting an inquiry asking when my property taxes would be disbursed, PHH informed me that " my account was not escrowed for property taxes. '' This is simply incorrect, and my original loan paperwork confirms that the loan, like almost all mortgages, is escrowed for property taxes. I had to submit three inquiries before PHH finally disbursed only half of my property taxes, incurring a late fee. Additionally, in XX/XX/XXXX I received notification that due to the escrow shortage, my monthly payment would increase by almost {$800.00}. If PHH had done their basic due diligence, I wouldn't have had to accommodate two such drastic monthly payment changes within 4 months. In addition, PHH has yet to disburse the rest of my property taxes as of XX/XX/XXXX.
I don't know what escrow company has trouble understanding that property taxes must be paid. I have never provided any information indicating that I am exempt from property taxes, especially in the timeframe between XXXX and XXXX. I have spent hours attempting to receive answers from PHH, either by telephone or email, all because I want to ensure that my accounts are financially sound. They are even unable to process and communicate basic changes ; I submitted paperwork for a direct deposit change in XX/XX/XXXX and again in XX/XX/XXXX and have yet to receive any intent to process the requested change. The company simply chooses not to answer when they have to provide more than basic information. I am frustrated and at the end of my rope with a company that can not follow basic guidelines in servicing a loan.
|
| 11/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.
|
| 08/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen.
She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now.
On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process
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| 07/30/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
Since XX/XX/XXXX we have been actively attempting to obtain a payoff quote for our HELOC held by PHH Mortgage so that we may payoff and avoid foreclosure proceedings. The HELOC matured in XXXX, XXXX while we were in Chapter XXXX reorganizational bankruptcy ( filed on XX/XX/XXXX and discharged on XX/XX/XXXX ). We have been trying to work with Ocwen Financial the HELOC holder, now PHH Mortgage ( XX/XX/XXXX ) to resolve. We were advised by Ocwen/PHH that modification and payments would not be accepted. The only resolution to avoid foreclosure was to payoff the loan in it's entirety.
We have secured loan funding which is ready to close but we have been unsuccessful in obtaining a valid payoff quote. We were advised that a payoff quote was forthcoming on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I requested a verbal quote I was told it was not available in my file. I was also told a Relationship Manager was assigned but have been unable to reach or receive a call back. Instead I was placed in a holding queue receiving inaccurate or conflicting information at every call. I was advised on XX/XX/XXXX that a payoff quote was issued and would be faxed to our Escrow Officer. The payoff would be good through XX/XX/XXXX. I was advised again today, XX/XX/XXXX, that the quote was faxed to Escrow Officer on XX/XX/XXXX - it was not. They also could not provide the figure of the payoff verbally, We have also tried to contact XXXX XXXX, XXXX the Foreclosure Attorney leaving a voice mail ( only option provided when voice mail box was not full ) to no avail. I have spent in excess of more than 30 days and over 24 hours of cumulative hold time spent trying to avoid foreclosure proceedings and payoff the quote. Please note the 'Notice of Default ' that was filed on on our property on XX/XX/XXXX only provided PHH contact information by which to obtain a payoff quote and lists 90 days to resolve. The payoff figure listed showed a good through date of XX/XX/XXXX ( we received on XX/XX/XXXX ). We are nearing the expiration of the Default with foreclosure impending. Again, we have loan funding at the ready to close but can not get a payoff quote. I find this to be completely unacceptable and as such have filed a complaint with the XXXX XXXX County Consumer affairs. I will also be filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. I respectfully request escalation of this issue with immediate resolution in the form of a payoff quote.
|
| 09/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released.
The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX
|
| 11/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
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|
To whom It May Concern, I am writing in hopes of some assistance in a matter that has caused much stress and anguish in my life as of recently. About 3 months ago I began the process to refinance my current mortgage. My current mortgage servicer to be paid off is Ocwen.They have been an absolute nightmare to work with, which can be viewed by my previous complaints to the CFPB.
Now I write in hopes the CFPB can help me with a similar issue. The reason that I was not able to refinance was that Ocwen lied to me. When my new lender attempted to payoff Ocwen to complete my refinance, they were notified by Ocwen that because I had a modification done, I had agreed to over {$40000.00} in what they called a Shared Appreciation. First Ocwen said they would waive the Shared Appreciation, then after sending us XXXX payoffs without the Shared Appreciation ( on XXXX/XXXX/2015 and XXXX/XXXX/2015 ), they decided they now will not waive the Shared Appreciation and leaving me with an unqualified mortgage based on the value of my home. That was a nightmare in itself spending hours on the phone with a call center in XXXX that really did n't comprehend how they could make such a colossal mistake and play with my emotions so dramatically.
Aside form my refinance not going through, now I am absolutely shocked that I have a {$40000.00} Shared Appreciation amount that I owe Ocwen that I never agreed to when I modified my loan. The modification paperwork is extremely confusing and the person who was helping me said to just sign it, they did n't explain and because of the situation I was in, I simply signed. ( situation is recession hit, my income form my job was cut by XXXX %, I had to file for bankruptcy, and my wife was going through health issues ) Now years later that decision is haunting me. They forced me to sign some papers to avoid foreclosure but instead have put me in a horrible situation. Had I known that {$40000.00} was secretly owed by me, I would have not agreed to that modification. I wish for the CFPB to investigate the terms of my refinance as unfair and help me to get the Shared Appreciation waived by Ocwen. ( as they originally agreed to numerous times over the phone and on paper XXXX/XXXX/2015 and XXXX/XXXX/2015 only to change their mind after I wasted so much time, energy, and money into my refinance. ) Please CFPB consider investigating the tactics used tomato me agree to an unfavorable modification and help me to finish my refinance so I can move on with peace of mind.
|
| 11/08/2022 |
Yes |
|
- Trouble during payment process
|
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Web |
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|
I am writing on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX ( the owners ) regarding their mortgage on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The house has been sold, and XXXX XXXX XXXX, XXXX. was the attorney who handled the closing at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Prior to closing, a payoff letter was requested from the lender by the attorney and the owners on XX/XX/2022 at XXXX XXXX ( the servicer, XXXX XXXX, for PHH Mortgage Services, sent this letter for account number XXXX ). The attorney received the payoff letter on XX/XX/2022 and closed the transaction on XX/XX/2022. After closing, the attorney sent the certified funds for payoff to PHH Mortgage Services with an additional six days of interest to cover any additional time past the payoff date.
The following week, the check had not been cashed and the attorney asked that we check in with the lender. XXXX called the lender, and the lender indicated the payoff was short {$950.00} due to the fact that the lender had sent an escrow payment to XXXX XXXX XXXX on XX/XX/2022 ( the day after settlement ). XXXX was instructed to wire funds to make up the difference which he initiated with XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. This was approved by XXXX XXXX XXXX
A week later, the funds were sent back to XXXX, and the certified payoff funds check was sent back to the attorneys office. The attorney followed the instructions again, asking for a new payoff letter and has not received anything to date. XXXX and I ( his Realtor ) called XXXX XXXX at XXXX XXXX today ( XX/XX/2022 ), and waited on hold for three minutes, and then were disconnected after the phone was answered. We called back at XXXX XXXX and had a 14 minute conversation with XXXX ( XXXX ) who is requesting another payoff letter through XXXX XXXX escalation team.
A few things need to change within XXXX XXXX PHH Mortgage Services regarding their internal process for handling payoff requests. They may want to consider the best practices of other lenders that do this without issue. For starters, their system should recognize if an escrow payment is being sent within seven days of an expected payoff, forcing it to be kicked out for manual review. Had this happened, the tax payment would not have been sent causing a negative balance.
These errors have now caused delinquency on both XXXX and XXXX credit reports, which should be removed due to the issues during this payoff. Additional late fees and interest should also be removed.
|
| 12/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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Loan company was switched without my consent. PHH mortgage assumed the loan. The first problem is the consumer has no say in who services the loan. THIS IS MY MORTGAGE. I should be able to choose the store front that services this loan. I shouldn't be dragged around to every shitbag mortgage company that wants to make my life XXXX. This is XXXX of those XXXX operations. XXXX was bad enough. I shouldn't have to relinquish my banking relationships with reliable and good banks ( read XXXX, XXXX, XXXX, etc. ) to get a dirtbag who wants to make a buck on when the payment arrives. This is XXXX of the XXXX operations. I have barely received the loan information with this new lowlife outfit, and setting up on their unique XXXX website. I am not new to this game. These outfits live to prey on lower income people so they can tag them with fees. This is what CFPB was set up to push back on. I value your organization. Now it needs to go one step further. Stop forcing the American taxpayer to have their loans usurped by conmen like PHH. This loan was made possible by the Fed, which sets the discount window for banks, who then mark it up and loan the money to the taxpayer, who financed the Fed. The loans are then backed by XXXX and XXXX, financed by the US taxpayer, so a government entity, which have been bundled and then can be sold to any swinging XXXX XXXX ( PHH ) to roll in and buy it up. These outfits then nickel and dime the hapless consumer who has no say. We saw this movie with XXXX back in XXXX. XXXX created them to take 'toxic '' loans. Now XXXX outsources theirs to this XXXX outfit. Now along comes PHH, to make my life XXXX, when I would have stayed with XXXX or someone else. I could care less who actually is behind the storefront ( a la XXXX using XXXX ), but I want to choose my bank instead of being dragged around to then be harassed by some XXXX XXXX outfit. The rub here is I am paying my loan within the generally accepted first XXXX days of the month ( investment home ) when most tenants have to pay their rent. Then this XXXX outfit tags me with a {$30.00} fee out of the gate, for being late. This would never happen at XXXX. So I will be rolling down to XXXX XXXX XXXX 's and XXXX XXXX 's offices to complain about this practice. IN the meantime I want this nickel and dime XXXX rolled up. No more sleazy mortgage companies whose sole purpose is to cashflow their operation on fees that are not good business practice. I never chose PHH and want my say in the process.
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| 08/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I had secured a mortgage for my mother in XX/XX/XXXX to help her prepare for retirement and at a rate that I would be able to afford when she was n't. I was only able to secure a fixed rate loan for 15 years that would balloon at the end of the 15 years. Once I returned from deployment in XX/XX/XXXX , I started contacting Ocwen about refinancing since I knew the loan would balloon within the next 2 or 3 years. Instead of ever giving a direct answer yes or no, Ocwen kept having me to fill out the HARP forms for assistance and then they would deny it. I knew my income was too much for HARP assistance, but I couldnt understand why I didnt qualify for refinancing. After reviewing my credit report, Ocwen showed I was 30 days late once out of 4 years in XX/XX/XXXX . I never understood why they wouldnt refinance the loan.
Once the loan ballooned in XX/XX/XXXX , Ocwen refused to accept any more payments from me and would only settle for the full amount ; even though I requested to continue to make payments. To this day, I do n't know why Ocwen would n't refinance the amount owed at the end of fifteen years or would n't accept my payments since my credit was good. I hesitated in contacting anyone. My mother became ill and passed away in XX/XX/XXXX . In J XX/XX/XXXX , the home was foreclosed on and sold by Ocwen. I felt helpless at the time. I tried refinancing the home after I found that Ocwen was showing me delinquent in my payments. Of course, it was too late because all financial institutions saw the delinquencies on my credit report and would n't approve me for a loan.
During the foreclosure process, Ocwen sent me another HARP assistance packet. Of course, it was denied. Then a week before the scheduled foreclosure Ocwen told me that the only way I could prevent the foreclosure was to pay {$10000.00} to stop it. My wife told me to request that in writing by fax or email. Well, I never received the request. At that time, I knew I had lost the house at this point and Ocwen wasnt going to try to help me to keep the house.
I feel Ocwen took advantage of me and betrayed me by not refinancing my loan up until the balloon date in order to repossess the house. By showing the late payments on my credit report, it enabled them to have total control over the loan leaving me without any options except the full amount of {$43000.00} which I didnt have.
Please let me know if I have any legal rights in this matter or at least remove the bad remarks on my credit report. Thank you.
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| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Monday, XX/XX/2022 : I received a notice of insurance cancelation from my property insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This cancelation notice and the accompanying Billing Notice are enclosed. Because I did not check my mail until XXXX, I was not able to call my local agent.
Tuesday, XX/XX/2022 : I called my XXXX XXXX agent, XXXX XXXX, and confirmed that my policy had been canceled due to nonpayment by the mortgagee effective XX/XX/2022.
XXXX EST : I called PHH Mortgage and informed them of cancelation. My agents name and policy number was taken and the agent said that she would resolve the issue and call me back.
I called my agent again and advised him that PHH was going to reach out and that if my account status had not changed by XXXX, to please call me so that I could escalate.
XXXX EST : After XXXX XXXX called and let me know that my insurance still had not had a payment applied, I called back ad escalated it again. At this time, I was told that PHH would overnight a payment to reinstate my insurance. I asked for clarification of that and was told that a check would be cut on the NEXT business day and then would be sent to XXXX XXXX via XXXX overnight. I asked to speak to a supervisor to understand what had happened to allow my insurance to lapse and was told I would be called back by one. As of the date of this letter, I have received no further communication from PHH Mortgage.
Because I was without homeowners insurance from XX/XX/XXXX through that date and was told that I would remain without insurance until XX/XX/XXXX, I made the decision to call XXXX XXXX directly to make a payment of one months premium to reinstate my coverage.
I have a pool and live in XXXX XXXX where we have entered hurricane season- we have had a tropical storm during the window of time that I was without insurance. PHH Mortgage is contractually obligated to pay my property insurance and to keep it in good standing, per the mortgage agreement and the monthly charges for escrowed funds to do so. Had an accident occurred at my property during the three weeks I was without coverage, the property or our financial wellbeing could have been put in jeopardy. Both XXXX XXXX and PHH Mortgage had the correct information for my mortgage company and for my property insurance on file at the time this event occurred.
I would like to file this complaint against PHH Mortgage so that their processes and systems be evaluated and events like this are avoided in the future.
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| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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we applied for a loan modification in XXXX and was told that the bank would put us on a trial for the months of XX/XX/XXXX, XXXX & XX/XX/XXXX with payment coupons in the amount of $ XXXX. We pd on time and the bank was to draw up paperwork stating they would do the loan mod. In XX/XX/XXXX we had NO payment coupon and didn't know what if anything was to be pd since the bank was working on what the amount would be and drawing up the paperwork. On XX/XX/XXXX the bank had us sign docs stating what the amount would be. On XX/XX/XXXX the bank signed off on that XXXX and returned a copy to us. On XX/XX/XXXX we recv 'd our XXXX statement stating our payment was XXXX XXXX paid that. There was no late payment saying we didn't pay XXXX ... there was NO doc stating we owed a XXXX payment at all. In XX/XX/XXXX we recv 'd our XXXX statement which was substantially higher and we called to dispute the amount... .the bank finally responded to our complaint stating the large payment amount was due to ins XXXX I obtained another XXXX and our new payment was $ XXXX. that issue didn't get resolved until XXXX. In XXXX I tried to make XXXX separate payments to bring our account back up to date since all issues were now resolved. The bank would NOT allow us to pay anything unless we paid XXXX payments all at once ( XXXX, XXXX and XXXX ). We just went thru this loan XXXX and were not able to make XXXX payments at once. In XX/XX/XXXX we were able to obtain a loan from our TDSP and paid everything $ XXXX. at this time we still believed that we were good to go with the loan mod as we were NEVER told otherwise. We then recv 'd our XXXX stating debt forgiveness for XXXX. The bank said that we had to wait 3 years to get this removed from our acct. when the XXXX yrs was up the bank refused to remove the forgiven debt stating that the loan XXXX never went thru and now that balance was deferred. there was no point in even doing the loan mod since the bank never intended to go thru with it from the beginning. I am in need to doing a refi since we are both on Social Security at this time and I need to lower our payments. Are the banks allowed to cheat people with these loan mods? this was a gov program to help homeowners along with the banks and in this case they didn't assist us in anyway. Please assist. I have tried to work with this bank and they have been uncooperative. No bank will allow a refi with a deferred debt of $ XXXX ... .the home is not valued at $ XXXX. avg home sales are low $ XXXX 's
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| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello.
In the year of XXXX my condo in questions had a massive flood that was not fully covered under my condo insurance. I had to spend several additional thousands of dollars to have the property repaired to become livable. The property had mold and we could not live in the property during the repairs. We have a XXXX XXXX XXXX at the time. Due to this we fell behind and could no longer keep up with payments on the loan. XXXX mortgage was contacted to try to do sell the property to no avail.
In XXXX, my mother suffered a XXXX XXXXXXXX that almost took her life. Since the XXXX my mother was not able to XXXX, not able to move the XXXX XXXX of her body and XXXX XXXX. In XXXX of XXXX, I moved to Texas to assist in caring for her during her rehabilitation.
In XXXX of XXXX, XXXX XXXX started the process of a forecloser of the property. Then in XXXX of XXXX, the condominuim associate purchased the property with no objections from XXXX XXXX and the property was sold to the condomium association and certificate of sale was executed on XX/XX/XXXX. XXXX XXXX lost the property, and then filed again a filed a Notice of XXXX XXXX to foreclose on the property that was already sold and owned by someone else. XXXX XXXX sat on this for over 8 years and theConsent of XXXX XXXX of Foreclosure was finally executed on XXXX of XXXX.
This forecloser process took XXXX years to process, hindering me to a speedy trial. This has caused me to suffer more than a 7 year penalty of a regular forecloser to be able to recover and try to purchase another home. Now, I am being penalized XXXX years, 10 years more than other forecloser clients, and will have to wait until XXXX to attempt to purchase a home.
XXXX XXXX dragged this out to an extent that was well beyond the normal processing time. It was a lack of duty on their part to get this completed in a timely manner and I should not be penalized for the lack of effort on this foreclosure. Not only did they not object to the sale of the property in XXXX to try to recoop some of their funds, they also added 10 years of a penalty on me. Their lackluster work efforts on this should be known and I should not be subject to more than double the alloted time foreclosures affect people. In their document they advise that they will sell the property at a public auction, but not sure how they can do so if they no longer own the property. I feel there maybe some inaccurate representations and documentation in their forecloser details with the court.
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| 01/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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Ocwen Loan Servicing raised additional questions!
Ocwen Loan Servicing responded to our previous complaint in writing dated XXXX XXXX XXXX. The facts are ; Ocwen Loan Servicing mishandled our account, failed to report accurately to all the credit bureaus per documentation. Ocwen stated in paragraph XXXX, " as previously advised to you, when a dispute is received regarding an account from a regulatory agency such as the CFPB, Ocwen is required to cease credit reporting for the duration of the review. As there were open disputes regarding the above referenced account in the month of XXXX XXXX, no payment history was reported ''.
Per federal law, Fair Credit Reporting Act 15 USC 1681 and Nevada law, XXXX XXXX, all companies reporting to credit bureaus must report accurately. When companies report to the credit bureaus, " no payment history reported '' this violates federal and state laws! Also, no where within these laws does it state that the creditor ( Ocwen ) must cease credit reporting for the duration of the review. Per, E-regulations 12 CFR part 1002 does not state either that the creditor must cease credit reporting for the duration of the review. I believe that this is Ocwen Loan Servicing policy which does not supersede federal and state laws! By Ocwen Failing to report accurately, Ocwen caused us to be turned down for an auto loan approximately two years ago. This has been an ongoing issue with Ocwen Loan Servicing! " Please review the other credit reporting complaints filed against Ocwen with the CFPB ''!
Also, I requested Ocwen not to allow XXXX XXXX from the Ombudsman office to respond to my inquiries now or in the future due to her failing to provide the information that we were seeking. As you can see, Ocwen Ombudsman office failed to comply with our requests.
Please provide the following question below in writing!
First, we request to know if Ocwen Loan Servicing has this policy to cease credit reporting for the duration of the review?
Second, if not, please provide the state or federal law that requires companies to cease credit reporting during an investigation from a regulatory agency!
If Ocwen Loan Servicing fails to comply with our requests, Ocwen must be held accountable for their actions including but not limited to the following ; an investigation from federal and state agencies, media complaints, social media complaints, court order, fines being imposed, loss of business license, criminal charges filed, lawsuit, damages, compensation!
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| 06/08/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?
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| 08/24/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My property has been in foreclosure for XXXX years now. My property was vacated in XXXX of XXXX due to a safety issue XXXX. I took immediate action to relocate her to safety, XXXX and vacated my property that I have owned since XXXX. I am currently renting a property in XXXX, NY. Over that time period I have submitted multiple packets requesting a short sale and several loan modifications to GMAC Mortgage and now Ocwen Loan Servicing LLC which are the mortgage holders. All of my requests have been denied. XXXX Supporting documentation is available to substantiate this ) Over the past XXXX years, I have had my home on the housing market XXXX, have attempted to rent the property, applied for several loan modifications, even moving back into my home for a period of time as I was initially denied a modification due to non-owner occupancy. Subsequent to that denial, I submitted another modification request and was once again denied. On XXXX XXXX, XXXX, I attended a court appearance regarding the foreclosure and at that time requested to pursue a Deed-in-lieu option as all other options have been exhausted. I was granted permission to pursue the Deed in Lieu in XXXX XXXX Supreme Court. I submitted the Deed in Lieu request in XXXX XXXX. Ocwen Loan Servicing LLC did not communicate with me during that time to inform me that the process could not be completed due to a lien on my property. Due to this, the Deed in Lieu process expired. I satisfied the lien on the property and then re-applied for the Deed In Lieu in XXXX XXXX. Since that time I have maintained regular contact with my relationship manager, XXXX XXXX at Ocwen XXXX XXXX XXXX. I continue to receive letters from Ocwen Loan Servicing LLC stating that the process has been delayed with no specification as to why. I am being told by the relationship manager department that " The borrower has signed off on the Deed In Lieu and that they are awaiting on the attorney for further action. '' This has been the status for almost XXXX months now. As a homeowner of this property since XXXX, I feel that I have made due diligence to exhaust all possible options to salvage the situation. I have not received timely responses from this mortgage company throughout the process and do not receive returned phone calls from the attorney or negotiators assigned to this case when I attempt to get clarification as to what is happening. Please help me to resolve this situation as I can not attempt to rebuild my credit without resolution.
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| 10/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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HARDSHIP LETTER : XXXX XXXX, 2015 '' Helping Homeowners Is What We Do! '' Says Ocwen.
How is Owen helping me by giving me a debt of {$1000000.00} on a home that Ocwen appraises at {$260000.00} when the market value is less than {$200000.00} and making me pay {$3100.00} per month on a home that would, at auction/short sale only realize {$150000.00}?
In my hardship letter dated XXXX XXXX, 2015 I provided you documentation that showed the original loan was predicated on a fraud perpetrated by the broker and " HIS '' appraiser.
Ocwen 's mortgage is 4 times more than Ocwen 's appraisalOcwen 's Loan Modificationis based on a loan debt to Ocwen in the amount of : {$1000000.00} Ocwen 's appraisal for the value of the property is : {$260000.00} XXXX XXXX appraisalXXXX {$220000.00} Auction/Short Sale ( per XXXX XXXX ) XXXX $ XXXXI now refer to your letter dated : XXXX XXXX, 2015 in which you responded : Please note that Ocwen was not involved with the origination of the loan and therefore Ocwen or this Office would be unable to comment on matters related to origination..
I quite agree that Ocwen is NOT responsible for what happened on the original fraudulent and unethical loan. Ocwen has a wonderful motto : Helping Homeowners Is What We Do! '' How can Ocwen be helping me by making me pay {$3100.00} per month on a home that Ocwnen 's own appraisal says is worth only {$260000.00}??
But Ocwen is NOT helping me by perpetrating and enabling the origination of the fraud to continue. If Ocwen really wanted to help, Ocwen could mitigate this " ongoing " fraud in consideration of the true value of the home which is less than {$200000.00}.
Ocwen states in Paragraph XXXX line # XXXX : " the market or appraised value of a property does not have any bearing on the terms of a modification, '' Do you not realize that you are setting up your investors for a major loss? I can absolutely assure you and your investors that the appraised/market value will have a great deal of bearing when and if the property goes to auction / short sale.
Professionals in the real estate business ( XXXX XXXX ) advise me that " no sophisticated buyer '' will pay more than {$150000.00} for this property ; I have provided you documentation in my previous communications in support of this.
I am offering to take on a new loan modification based on a realistic property value of {$200000.00} and/or an arrangement to stay in the property for $ XXXX {$1500.00} per month.
Sincerely, XXXX XXXX XXXX XXXX, 2015
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| 11/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX, we were scammed by a company offering to get us a modification of our ARM mortgage. Our mortgage servicer at that time was AHMSI. We received approval for our mod., made our first three trial payments on time, then were informed by AHMSI that we were denied ( after being approved, sending in our XXXX signed, notarized copies, and receiving back the signed copy from AHMSI ) because they had not received " required documents '' ( income tax returns ) that had been sent in numerous times, including the copies given to their field representative in person, who sent them via ups red, with a tracking number. After that they tried to foreclose on us.
At that point, I contacted HUD, who contacted AHMSI, and they agreed to do an " inhouse '' modification, and though the terms were not as advantageous, we agreed to, out of fear of losing our home. We made the three payments, but after that, when trying to make a payment by phone, our payment was rejected, the operator informing us that we were in pre-foreclosure ... ..it took two more years before the sheriff arrived at our door with foreclosure papers ... .during that time, apparently our loan was sold to OCWEN, and we had no idea ... ..we were never notified of this event.
XX/XX/XXXX, we went to court, and the council for the bank urged us to sign a consent judgement to buy us 120 days to get a loan modification. We agreed, as we thought we did n't have a choice, but since the attorney did n't have the proper paperwork, we did n't sign anything.
We had already submitted the loan mod. paperwork to Ocwen, although they claimed not to have received it, so we handed a copy to their attorney.
Ocwen approved us for their SAM modification, so we immediately signed, notarized and sent in, via certified mail, the appropriate documents, and also sent in the initial payment 6 weeks early. Meanwhile, their attorney continued to insist that we HAD to sign the consent judgement agreement, which, I believe is considered dual tracking ...
Ocwen mis-applied our payment, and we have been receiving phone calls from them, as well as emails from their attorney asking if we intend to make the XX/XX/XXXX payment, which we made XX/XX/XXXX.
I responded to their attorney with the corrected info, and she responded to me that I was correct, and that Ocwen was asking about our XX/XX/XXXX payment, which is n't due for weeks!
How can they harass us for a payment that is n't even due yet, when we made a payment six weeks early?
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| 03/23/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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i submitted a payment on XXXX XXXX 2015 for my sons mortgage payment as i do every month and it popped up that i had to pay speed pay cause 10 or more days thats what you have to do his payment is due on the XXXX so i did. then on the XXXX i had a payment go threw my bank and they told me it was denied which it should n't have been so i went on line to my bank and so that my sons mortgage place took XXXX payments out XXXX on the XXXX and XXXX on the XXXX so i called the number for company and told the gentleman by the name of agent # XXXX his name XXXX he told me he could see that i was charged and would have them reinburse me and took down the information and said i would also get back the XXXX dollars i was charged for me to hold on till he put the information in and said it would take XXXX to 6 days i explained to him it had to be as soon as possible or my bills would bounce they can take in XXXX they should put back in XXXX he said he had it ready for approval and would put rush on it. i gave them till the XXXX and called and got a XXXX and she said she would have someone contact me. i called on the XXXX and got XXXX agent # XXXX and she would not let me speak with a manager and hung up on me. I called again on the after she hung up on me and got her again and she finally after a few words connected me to a supervisor named XXXX agentXXXX i spoke with her and explained the sittuation and she looked up and said she saw XXXX had put payment in to be reversed and then asked me to send her my bank statement showing they took the XXXX payments and she would get back to me on monday the XXXX and took my number and i did not hear from her by XXXX so i called and got XXXX agent XXXX and had a fight with her over speaking to supervisor XXXX and refused to let me speak to her and said someone would get back with me in 24 to 48 hours so i went to my bank to see if they could help get my money back cause they are giving me a run around and looks like they are not going to return me my money and the heck with my bills we are not talking a few dollars but XXXX this is the worse experience i have ever had in my XXXX years of life dealing with any company so i can only hope my bank can help me out and someone should do something with this company to be able to take what they want from a persons bank and then not want to give it back. the name of the company is ocwen loan service mtg and the number I have is XXXX and punch number XXXX or god knows where you will wind up
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| 12/01/2019 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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Everything in this complaint is well documented with letters, notes, and emails, however its the 80+ hours of phone calls with Ocwens Office of the Consumer Ombudsman and PHHs Retention, Resolution, and Escalation Departments that have been most helpful in accurately piecing together all that has occurred. Its been my experience when dealing with Ocwen, and now PHH, that a majority of my concerns will not be properly investigated, if at all, will not be accurately noted to the file, if at all, and the resolution letter is so watered-down that it rarely describes what truly transpired. The help desk said I cant upload audio files but if you thought it would be helpful I could copy all call to a USB drive and overnight it. COMPLAINT : In late XXXX of this year Ocwens Office of the Consumer Ombudsman, and then PHH, agreed to suppress my credit history with all 4 CRAs from my XX/XX/XXXX payment through XX/XX/XXXX. Although neither Ocwen or PHH dispute the agreement to suppress my credit, both continue to knowingly furnish erroneous information to each of the 4 CRAs.. In XXXX I disputed Ocwens erroneous reporting with the CRAs, Ocwens responded by continuing to report the erroneous information and falsely verifying it as accurate. Over the past 9 months Ive provided over a dozen excerpts from my credit report showing the erroneous reporting, however, I cant find a single time theyve even acknowledge them. Ironically, one of the reasons for granting the credit suppression in XXXX was Ocwens erroneous reporting of my credit back in XX/XX/XXXX. The only bright spot in this entire mess was working with XXXX XXXX in the resolution department. She understood my issues, was accessible and responsive, but most importantly she got answers. She actually fixed the reporting issue in late XXXX it was short-lived lasted until XX/XX/XXXX. Im attaching the following. PHH latest erroneous credit reporting response dated XXXX, various credit excerpts highlighting the erroneous reporting, Ocwens dispute response to XXXX, Excerpts showing Ocwen and PHH reporting correctly XXXX XX/XX/XXXX. Again, I would encourage you to listen to the calls to fully understand what borrowers have to deal with. In the next week or so I will be filing separate complaints against both Ocwen and PHH for their continued violation of our Federal consumer financial laws, Ocwen for its actions leading up to the XXXX suppression agreement and PHH violation regarding the transfer and modification agreement.
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| 09/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our Home Mortgage transferred from XXXX to OCWEN in XX/XX/XXXX. All payments from transfer to date have been made on time, no late fees have been assessed, and all escrow overages have been refunded when due. All this is clearly documented in the statements and payment history on the OCWEN website. However, in XX/XX/XXXX it was identified when applying for a re-finance or modification that OCWEN had been reporting the account delinquent on random months since XXXX. We contacted OCWEN at that time to request that all erroneous late reporting to the ( 3 ) credit bureaus be reversed and corrected immediately. On XX/XX/XXXX after months without resolution I contacted the Office of the Consumer Ombudsman for OCWEN to request an investigation and review to resolve the erroneous negative credit reporting. Again this request went without resolution and on XX/XX/XXXX we received the last communication from OCWEN with refusal to reverse the reporting. This entire process took 6 months without resolution and I am certain intentionally hoping we would just give up. Interestingly, from the time we contacted OCWEN in XX/XX/XXXX with our complaint until XX/XX/XXXX OCWEN reported no delinquencies to the credit bureau. As the stress of this unimaginable and unresolved issue was causing extreme stress on my husband who is awaiting a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) we were advised by our mortgage broker to sit it out until XX/XX/XXXX and we would have 12 months of on-time payments now that OCWEN was no longer reporting them late. In XX/XX/XXXX we again applied for a re-finance thinking we were finally able to get out from under the OCWEN hostage high interest rate mortgage that had depleted our savings and the credit report again showed random late reporting in XXXX, XXXX and XX/XX/XXXX although no change in our on-time payment history. We are devastated that this can continue to happen and desperately need help to resolve this as we truly believe OCWEN is deliberately doing this to prevent our ability to refinance with another mortgage company by intentional errors to delay the process and any resolution. XXXX search provides thousands of reports from other consumers that have the same or similar complaints with devastating outcomes and loss of their homes and credit standing due to OCWEN errors and abhorrent customer service. Additionally, Class action suits and federal restrictions have been levied against them. We refuse to allow this to go on, please help.
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| 06/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.
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| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint.
Bank records are available for review upon request.
OCWEN LOAN SERVICING, LLC is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, LLC 's products and services.
1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the Ocwen Payment Receipt and Confirmation electronic document attached ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC .
2. On XX/XX/XXXX, OCWEN LOAN SERVICING, LLC failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ).
3. OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ).
4. OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, LLC 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC .
OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
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| 04/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My GMAC loan was transferred to OCWEN. I was approved for a HAMP modification by OCWEN but found the documents questionable. Interest and fees were added to my principal amount on the modification, unexplained, that further put me upside down, increasing my monthly payment. They tried to say I owed more trial payments even though I made the XXXX agreed payments inflating a trial mod due amount to {$4400.00} based upon XXXX trial payments. Upon questioning the amount and stating that I was not owing add'l trial payments, they have quit sending monthly statements altogether and made no further request for additional trial payment amounts. Arrears and all fees, interest due, etc. were paid in full by my Bankruptcy trustee. I have sent them many copies of proof of this. I requested explanations of modification Principal Balance, fees plus interest added and have been given several contradicting explanations and a breakdown only. They are pushing me to sign a contract where I find the amounts questionable. In the meantime, there have been no monthly statements to insure I am sending correct payment amounts on my current loan agreement ( interest only loan ) which can change due to escrow, or to show how my current payments are being applied. OCWEN is hindering my ability to pay my current payments and insure my account is in good standing until there is a resolution of the proposed modification agreement that I have not signed due to questions. I am unsure if the amount reported to the IRS by OCWEN for interest paid is correct ( interest only payments made vs. what was reported differ ). They have attached a late fee to my mortgage when I have been on time with payments. They returned a payment and claimed ignorance even though they changed the address to ( of which there are many ) send payments to. I was still able to re-send ( with my banks assistance ) my payment before the XXXX of the month deadline and their own documents show it was processed before the XXXX. There is no office to go to, only a call center in XXXX. I have sent inquiries and documents to their recommended RESEARCH Dept. by certified mail. I have received breakdowns of amounts added, but no explanations of how/why they are calculated or applied. The amount of documentation I have is so large, I would not be able to upload it all since this has been ongoing since XXXX XX/XX/2013 but I will download a good portion. I am filing a complaint with the Attorney General 's office in my state.
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| 08/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I fell behind with our mortgage - we were approved for a TPP - at the second month the mortgage transferred from Ocwen to PHH mortgage - we completed the 3 month TPP and then PHH refused to accept payment, they accelerated even though I notified them that the final mod did not arrive - I've spent hours on the phone - was told they mailed it on XX/XX/XXXX - again it did not arrive and I phoned them on XX/XX/XXXX and again on the XXXX - I then sent a QWR which I was anticipating an answer -they signed for on XX/XX/XXXX. They again, would not accept a payment - Our TPP period was XXXX XXXX and XXXX - The distress of the transfer and the inability of PHH mortgage has caused so much stress. We were 2 months behind when we applied for the modification - and after 3 months of this TPP and how our funds were applied -we are now due for 6 months of payments ( XXXX - XXXX ). This mishandling of our mortgage has forced the acceleration to the foreclosure status. As the fear that the final mod detail would not be provided and with PHH refusing payment to keep the TPP in place -I 've spent hours on the phone with PHH and each call resulted in contradictions of information - which causes much confusion to us. Finally, on XX/XX/XXXX, the TPP was sent via email from PHH Mortgage. We were shocked to see the terms associated with the modification. We have 6 years left on our mortgage with no balloon. The final modification showed that the term would be extended to XXXX years and result in a XXXX Balloon at the end - HOW IS THIS FAIR? I specifically asked Ocwen when the TPP was offered how this modification would work -I was reassured that there would be no long term extension and without the ability to see the full details, I needed to have faith and complete the 3 month TPP. With the threat of foreclosure with XXXX being the next payment due according to the modification ( which PHH refused ) -I borrowed money from a family member for the past due payments - XXXX. I overnighted the funds to PHH who signed for the delivery on XX/XX/2019. To date - a full week later, PHH has not acknowledged receipt of the funds, has not applied funds to our account. My last call to PHH was on Thursday, XX/XX/XXXX - and I was told to " give them time '' I was reassured that they escalated this - and yet, no answers have been provided. I then get an email yesterday that states that they have yet to receive the certified check? I also have escrow issues - where I asked to
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| 06/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved.
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail.
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.
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| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have attached a letter regarding PHH mortgage. They're very unethical and purposely dragged the modification they were trying to do with me since XXXX of XXXX. In the end, which is XXXX of XXXX, they told me, because the amount of XXXX that I got behind since XXXX of XXXX, I was over their XXXX percent rule.
I will tell you that when the forebearance period ended in XXXX of XXXX. PHH mortgage was the only servicer that did not try to lower my payment. I have several homes, i was on the brink of losing, due to covid 19.
All other mortgage companies, lowered my payment and helped me. Phh on the other hand at XX/XX/XXXX did not offer any help, and when I asked for help, they dragged this entire modification all the way from XXXX of XXXX til XXXX of XXXX to tell me, sorry, XXXX XXXX, you dont qualify, either sell your home, or give us your deed in lieu, they also refused to refinance my home, because I missed my payments, and even when i paid them to make the account current. PHH told me that I would have to wait one year.
This mortgage company had the intent to foreclose on my, because my primary residence has a lot of equity, and PHH knows this. They are the most horrible mortgage company out there.
They only hire employees from overseas that are not trained, and they just tell me XXXX XXXX XXXX XXXX send this and send that, they gave me wrong emails, wrong information, and every agent I talked to would tell me a different document was requested. I can not believe that this company is even allowed to operate, when they are not in the business there logo which is " Helping homeowners is what we do '' This statement is fraud.
They need to change their motto to " Helping homeowners IS NOT WHAT WE DO '' Is the correct statement.
I am frustrated beyond words. I have been them on time for 10 years, and when covid 19 hit, my Mom died, my dad foot is XXXX, I have a young son XXXX XXXX XXXX. I am single Mom tried to support my entire family with problems.
PHH mortgage needs to be investigated for their unethical practices of trying to take homes way from vulnerable people. I am sure I am not the only one out there, that has endured 6 months of phones calls, and documentation to be told SORRY ABOUT THAT. In a very customer services reps that care more about their roosters and dogs in the background, as I am begging for help.
I hope someone reads this, because this was the worse experience I have had, and it has just been trauma after trauma.
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| 12/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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I purchased a new home in XXXX, FL in XXXX at the address of ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I paid {$230000.00} for the home. I could only finance {$140000.00} at that time with XXXX XXXX so I financed {$35000.00} with XXXX XXXX which is the builder of the home, I put {$60000.00} down to XXXX XXXX and {$35000.00} down to XXXX XXXX ( the builder ) leaving a balance of {$140000.00} to finance the home. I have a deed that proves the {$350000.00} was paid-off in XXXX leaving me with only {$140000.00} balance to the lender.
About ten years into the loan I borrowed {$42000.00} for a small business loan that I incorporated into the original mortgage and still maintained one mortgage.
The issues began when my mortgage was being bought out by three other loan companies which includes my original mortgage company XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and finally Ocwen Loan Servicing ( current lender ).
In summery, without my knowledge the factuality information about my loans being transferred from one to another were without my knowledge or my consent. All these transfers were raising the mortgage amount and the payment amount as they were bought out beyond my control. With all the issues that I have been dealing with made me do a lot of extra research and I have found out that all the listed lenders ( excluding XXXX XXXX ) are in class action lawsuits and being sued for fraudulent actions, such as over charging for forced insurance, causing sales of homes and placing people in foreclosure.
This was severely doubling the loan payment and increasing the mortgage as consumer fraud as it was being bought out from lender to lender. There is no proof in this matter that says I am responsible for all these added amounts and fees and where they came about.
Please assure me by my request, signed modification agreements and by my allegations that this is of fraud and Im correct. I can show proof of the original mortgage amounts.
Please assist me by helping me resolve my issues by reviewing my original note which I have showing I paid {$230000.00} for the original mortgage, and {$1200.00} payments, giving the {$60000.00} to XXXX XXXX, {$35000.00} to Banner Homes and having a remanding balance of {$140000.00} owed in which I have been paying on since the purchase of the home for at least 24 years.
Respond to me by carbon-copies who is resisting me on these recurring matters.
Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX CELL : XXXX
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| 07/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My original loan was through XXXX. It was sold to XXXX & now Im stuck with PHH Mortgage. I was unaware of the many problems with this company until they sent a letter dated XX/XX/2020 claiming that FEMA had recently mapped my property into a Special Flood Hazard Area. I thought it must be a scam since I live on a hill. They are force placing flood insurance, even though I have sent many documents showing I am not in the XX/XX/2020 FEMA SFHA. I have applied for a LOMA from FEMA, but I did not do this from the beginning because FEMAs updated online map clearly shows my property in a low flood risk area. PHH wants me to provide an Elevation Certificate at my expense which I am unable to procure anyway because it can not be done for a property that is not in a flood zone according to XXXX XXXX at XXXX XXXX XXXX XXXX, surveyor XXXX XXXX XXXX XXXX County Flood Plain Administrator, XXXX XXXX. I have provided my correct Community #, property ID # s, my Recorded Deed as well as other documents including a flood determination & property exhibit from XXXX, maps from engineers & my appraisals from the XXXX County Appraisal District. PHH is refusing to send a flood determination to XXXX so that I may purchase insurance from the provider of my choice. I started asking for this document on XX/XX/XXXX when I first learned it was needed in order to even get a quote for the high risk flood insurance. XXXX requires this document when a mortgage company claims a property is in a different zone than what XXXX & FEMA states. It is nearly impossible to get a live person on the phone at XXXX. I have been passed from agents to managers to supervisors to researchers with great difficulty on my part to even get past the first call-taker. They rarely call back, they have given me direct lines that are not answered & /or disconnected. Employees that have promised to see my case throughare suddenly no longer with the company. All of this easily took the 45 days they gave me to either dispute my case or purchase my own insurance before they choose their own & start charging me for it. Now they are charging me for insurance that I have no proof that is needed, do not know what company is providing it or what it covers. XXXX is aware that I have lost my job due to COVID & that this policy abuse will make it more difficult for me to continue to pay my mortgage. I have never been late or missed a payment. I would have refinanced a month ago to be free of XXXX if I were able to.
|
| 08/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE?
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.
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| 11/18/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I XXXX XXXX XXXX, am requesting another Escrow account Analysis after the loan is fully modified reflecting XXXX XXXX XXXX within the PHH Mortgage Companies and XXXX County Assessor Clerk. I am a XXXX veteran recieving compensation benefits and I need to claim Property Tax Exemption but I can't because the Title on file with Assessor Clerk is not matching the current loan modification of borrower which is me XXXX XXXX XXXX. Delay of the Loan Modification process in particular has caused me a hardship due to I am limited on my benefits I can claim/apply for within my county. I was recently told about my escrow analysis and the shortage, but was confused because it was done before the loan modification was fully finalized and the mail recieved ; I am still as C/O, and when I call I still have to give my late grandmothers sign in credentials, I am so confused as a veteran. I haven't been locked in the new loan terms for 54 days and I have been put in default of escrow shortage for 54 days confusing. I feel some of the monies during Ocwen and PHH merger has been a data input in error, causing a negative domino effect on the account before modification and during.
A payment of XXXX was paid to the account # XXXX on XX/XX/XXXX????
-Requesting another Escrow Analysis, under new Loan Modification Terms. ( XX/XX/XXXX ) -Need Loan Modification finalized, reflecting XXXX XXXX XXXX , as of ( XX/XX/XXXX ) -Request for Name and Title Change.
-Payment of XXXX where was monies applied too?
-Detailed payment history dates from : XX/XX/XXXX to Present https : //rapidfunds.com/homeowners-keep-winning-against-phh-corporation/ " settledfor {$17.00} XXXX with both PHH and XXXX paying over alleged kickbacks for title services. PHH is a subsidiary of Ocwen, a publicly traded financial company that provides residential and commercial mortgage servicing and debt collection services. According to news reports about the first settlement, the agreement was reached with 49 state attorney generals and 45 state mortgage regulators for practices reached between XX/XX/XXXX to XX/XX/XXXX. Among the allegations stated in the lawsuit PHH *threatened homeowners with foreclosure, did not keep accurate documentation, did not apply payments accurately to certain borrowers, did not adequately process borrowers applications for loan modifications. PHH was also required to pay {$30.00} XXXX to homeowners who lost their homes in foreclosure. Eligible claimants are can applyhere. ''
|
| 05/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
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PRIVACY ISSUES - REPEATED DISCLOSURE OF CONFIDENTIAL INFORMATION XXXX XXXX via their attorneys continues to disclose my confidential information on my dispute with them, to the former owner of the house I rented and her attorney -- without my permission or approval. In fact, I told them NOT to do that. When they ignored me and once again divulged confidential information about my dispute with XXXX XXXX, AND MY MAILING ADDRESS -- I submitted CFPB complaint # XXXX at the end of XX/XX/XXXX for illegally disclosing my private information. ( XXXX XXXX wrote me a letter regarding that dispute, but told CFPB it is not their complaint. This is a lie. ) Instead of stopping their practice of illegally including people not a party to my complaint with XXXX XXXX -- on XX/XX/XXXX I received a letter at my home dated XX/XX/XXXX in response to my recent complaints. It stated I am not the owner so they reuse to respond to my complaint ( even though it has nothing to do with the owner ) -- AND THEY COPIED THE FORMER OWNER AND HER ATTORNEY WHO HAVE NOTHING TO DO WITH MY COMPLAINT!!! NOT ONLY THAT -- THEY INCLUDED ALL THEIR PRIOR LETTERS EVEN FURTHER DIVULGING MY PRIVATE INFORMATION ABOUT THIS COMPLAINT AND MY MAILING ADDRESS, WHICH IS NOT PUBLIC KNOWLEDGE WITHOUT MY PERMISSION.
THEY ONCE AGAIN DIVULGED MY CONFIDENTIAL INFORMATION.
Since XXXX XXXX steals their clients identities to open unauthorized accounts, they obviously do not take private data seriously. They seem to believe they can do whatever they XXXX well please.
I notice although XXXX XXXX wrote me a letter they refused to respond to my complaints, they responded to the above complaint to you that they are the wrong party. They also claim this is the same issue they responded to. This is also a lie. Despite multiple complaints different in nature, XXXX XXXX has not appropriately responded to any of them.
The owner of my rental is XXXX XXXX. Their name is on the deed. The name of the TWO cases trying to illegally evict me as a renter with PTFA rights was XXXX XXXX. Further, in a deposition of Spring XX/XX/XXXX, OCWEN testified under oath at least 17 times they are operating under the direction of XXXX XXXX. OCWEN further testified that they had power of attorney and the law firm XXXX XXXX XXXX is operating under the direction of XXXX XXXX.
Since XXXX XXXX 's agent XXXX XXXX XXXX, and their employee XXXX XXXX XXXX persist in divulging my confidential information, they need to answer for this.
|
| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Home # 1. aka residence & lt ; & gt ; for almost two yrs,. Ocwen Loan Servicing had me filling out numerous loan modifications XXXX 6 ), denied every time!! After the two week waiting period, receive call, telling me, denied!! the following week, I would receive a complete loan package of XXXX pages, filled it out, sent it back via. XXXX wait the two weeks, DENEID!!! Again, the same thing, another loan Mod. package arrive at my residence. only to be denied!! & gt ; & gt ; & gt ; leaving the interest rate XXXX firmly at XXXX XXXX to date!
Home # 2. aka investment property, I call it, retirement property!!
Same as above, but former Servicer Stopped excepting my payment in forcing me to fill out Loam mod. only to be denied numerous times!! after it was becoming a joke, so many deniles, I asked them, what now!! Reluctant to answer me, so I asked, are you foreclosing on me? I was told, quote, your house IS in foreclosure!! I remember telling them in a letter, if you foreclose, I will receive XXXX from the I.R.S. a bill in the amount of {$50.00} K or so!! & lt ; & gt ; I did & lt ; & gt ;!!! I currently owe the GOV. {$50000.00} in XXXX gains tax!!
Luck for me I had a buyer waiting over one year to buy my property of 22 years ownership!
*note When I agreed to sell, I emailed Ocwen Loan Servicing XXXX what my intentions were ...
receiving the payoff in less than one week, and I told Ocwen I have a cash buyer, please assist my buyer 's attorney in the payoff. In essence, Ocwen ignored their attorney for three weeks!!! Almost jeoppadising my sale!! & lt ; & gt ; If the buyer found out the property was in foreclosure, I would have been eliminated from the sale!!! A foreclosure to my credit, plus XXXX loosing everything ], including the XXXX XXXX dollars left over after sale Ocwen receiving their share in full!! Sale price XXXX payoff XXXX plusOcwen ruined my credit with my residence, reporting me XXXX months late while making additional payments of XXXX on top of my regular for ten months, applying the additional funds to LATE FEES AND INSPECTION FEES & lt ; & gt ; FIRST!!!!!!!!!!!!!!!!!!
LATER ;, OCWEN WOULD CORRECT THIS MATTER!!! MY CREDIT RUINED FOR MORE MONTHS, PREVENTING ME TO REFINANCE FREEZING MY INTEREST RATE@6.875 % & gt ; OCWEN & lt ;, DOING BUSINESS UNFAIRLY IN ACCOMEDATING THEIR INVESTERS, FLIRTING WITH THE LAWS OF THE UNITED STATES OF AMERICA.
AND WEAKENING THOUSANDS OF COMSUMERS, PLACING THEM IN HARMS WAY!
Sincerely XXXX XXXX XXXX
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| 02/15/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My Previous Home mortgage Company " XXXX XXXX '' sold my loan to PHH Mortgage in XX/XX/XXXX without my consent or any Communication / Notification and XXXX Mortgage was also failed to notify me till XX/XX/XXXX and my Auto payments were auto paid to my XXXXXXXX till XX/XX/XXXX as my payment of XXXX bounced back to my account I came to know that my loan was sold to PHH Mortgage ( Loan # XXXX ) Upon the confirmation from XXXX XXXX i contacted Phh Mortgage and paid Additional {$13000.00} to bring my account upto date and on XX/XX/XXXX additional {$2800.00} as per my conversation with PHH Mortgage representative all was good and they will fix the Credit report not showing the late payments also refund my late fees Till today and repitive calls to PHH mortgage XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ID XXXX and XXXX ID XXXX ) no progress neither my late fees are return or neither my Credit report was fixed every time i get runaround even on XX/XX/XXXX XXXX EST i was talking XXXX ID XXXX she hang-up my call, I am trying to refinance my house XXXX because of them my credit from XXXX score went to XXXX which is costing me additional 0.75 % higher rate ( XXXX ) in long run it will cost me XXXX it look like loan transfer to PHH and PHH to contacting is totally Illegal till today they did not provide me any evidence showing that i received any communication from them till XX/XX/XXXX and as promised fees are not returned and credit reporting is not properly done. I need some one to rectify the situation ASAP Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX Product/Service : Mortgage Model # : None Provided Account # : Loan # XXXX Order # : Loan # XXXX Purchase Price : XXXX Payment : Deposit ACH Debit Disputed Amount : XXXX As you can see from attached latter from PHH after requesting somany times since XX/XX/XXXX finally they send me some communication but failure to provide any communication which was done before XX/XX/XXXX XXXX also as you can see i never been delayed my payments in my mortgage since XXXX till today this is only case were i was not aware of my mortgage loan was sold to different company without my knowledge and payments were made to my old mortgage company XXXX XXXX and i was panelized for no reason and fowl played by both the mortgage companies.
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| 05/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/2023, I contacted my mortgage company because I had several life events making it impossible to make my payment. ( I was a victim of a XXXX XXXX XXXX and spent 5 days in XXXX with medical bills exceeding $ XXXX. I am a designated XXXX XXXX victim as this XXXX is being XXXX by the FDA. Prior to that, my husband moved out/we separated and then he lost his job ) During that call in XX/XX/2023, PHH Mortgage stated my account was in excellent standing and I could defer 3 months payments ( XXXX, XXXX, XXXX ) and then defer that unpaid amount until the end of the loan or until I sold the house. I asked multiple times if there was a penalty and confirmed that when I resumed payments I would not owe for these 3 payments all at once. The PHH representative assured me the amount would be deferred until the end of the loan. She stated PHH would suspend XXXX withdrawals and then I would just need to call in at the beginning of XX/XX/2023 to get XXXX set up again. PHH THEN SUSPENDED XXXX PAYMENTS.
When I called PHH at the beginning of XXXX, I was told my account was in default and they could not set up XXXX. They would also not accept my regular loan payment amount and said I had to pay $ XXXX. Which of course I didnt have.
Since then, I have called PHH more than 10 times asking for a supervisor regarding the original XXXX agreement. No one ever calls me back. I have been promised on 3 occasions that my issue has been escalated and a supervisor will call back within 24 to 48 hours. I have not received a single call back.
Then, PHH sent me a notice advising they would modify my loan if I agreed to do so by XX/XX/2023. But the agreement doesnt include the amount of the new loan, doesnt outline the fees, doesnt have an amortization schedule and doesnt state whether or not there is a penalty for paying off early. I have called multiple times asking for this information. No one can provide it. I have emailed the relationship manager but have not received a response. I called and scheduled a meeting with the relationship manager. Her earliest availability is XX/XX/2023, which of course is after this offer expires.
I called 3 times today because today is the deadline and no one called me back as promised. My calls go through but then the outgoing message states PHH is experiencing high call volume and the call disconnects on me.
I need assistance because I am getting no where with this company and am terrified I am going to lose my house.
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| 05/03/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My mother passed away in XX/XX/XXXX and I called the reverse mortgage in XX/XX/XXXX to submit our intent to keep the property, request for marketing extension, and to payoff the loan balance. They advised me to send the Last Will and Testament, Death Certificate and a letter of intent and my requests which was promptly emailed on XX/XX/XXXX to PHH mortgage at the email address they provided. They said it would take 48 hours to authorize me in the account. I checked again on XX/XX/XXXX and the loan representative said that they did not receive my email due to difficulties they were having with their system. I submitted a new written request for payoff, marketing extension and for authorization the same day ( XX/XX/XXXX ). I was instructed to check back in 48 hours. On XX/XX/XXXX I called again to check status and the representative said that my documents had in fact been received the first time and that the file was notated by their legal team to say that the Will was not notarized therefore I am not authorized on the account. Im checking with an attorney, I was advised that Last Will and Testaments in the state of California do not require a notarization and the only require that is that they are properly witnessed. My mothers Will has been properly witnessed. I have attempted to contact the reverse mortgage company, PHH Mortgage Services to address this inaccurate information from their legal team but they continue to refuse me as an authorized person on the account. Time is of the essence in paying off this loan. However, after receiving several different reasons this company has deemed as insufficient for me to become authorized, and also asking to speak to a manager or Vice President, I have been unsuccessful in any attempts to receive a payoff statement including wiring instructions. At this point, I believe my consumer rights are being violated and that this mortgage company is thwarting my duties as a Trustee for my mothers estate. The beneficiaries are also being prevented from paying off this loan and their rights have also been violated in the process. To date, I have sent them the copy of The Living Trust, naming me as Trustee, The Last Will And Testament, Payoff Request, Marketing Extension Request. PHH issued a final notice calling the loan on XX/XX/XXXX with instructions that we have 30 days to comply before the loan goes into foreclosure. However, they will not cooperate with sending a payoff statement so that we can comply.
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| 03/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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they are wrongly seeking foreclosure judgement against me. the debt they are trying to collect was modified by our chapter XXXX bankruptcy plan. they were court ordered to modify the debt and are in contempt of court. they are trying to collect for fees and charges that they are forbidden from collecting by the provisions of our bankruptcy plan. I sent them several qualified written requests and proof of their errors but they will not correct my account. I provided their attorney with the modification, proof of all payments and court documents that prove we were not in default. The proof of claim that was submitted by XXXX Bank in our bankruptcy case has a different Note than the Note they 've presented in this case. They 're attempting to collect on the same debt with XXXX different Notes that they 've asserted to be the TRUE promissory Note. There 's only XXXX legal promissory Note. they have no case yet they continue to push through with their fraudulent documents. Furthermore, XXXX XXXX, an Ocwen representative signed an affidavit regarding the factual accuracy of our account despite Ocwen 's failure to do a Bankruptcy account reconciliation when we were granted a discharge. Ocwen did not do a bankruptcy account reconciliation until XXXX 2016, more than 2 years after they were legally required to.Their attorney, XXXX XXXX, submitted an affidavit declaring that he has " a continuing obligation to amend his affidavit in light of new discovered facts following its filing '' and certified the accuracy of the affidavits filed. However, he stated in the default hearing that he did n't read the modification agreement. The Agreement was attached as Exhibit A in my Answer. He also lied to the XXXX during the Summary Judgement Hearing that I missed due to a family emergency. He told the XXXX that he communicated with us but he never did, not once! he stated that they were willing to make loss mitigation or discovery efforts but they need participation from us. I gave him proof of everything, I have participated in every way possible! He lied several times to the XXXX because we were n't there to contradict him. they have misrepresented the amount of the debt, made false statements to collect on this debt, and seek to collect on a debt that their client has no legal right to. We were not in default. Ocwen 's unwillingness to correct my account as required by RESPA, the XXXX, and the FDCRA has subjected me to undue hardship and emotional distress!
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX And OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments.
To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report.
I contacted the following creditor as listed on my report XXXX is reporting that I made a late payment to Ocwen Loan Servicing XXXX XX/XX/XXXX XXXX. XXXX is reporting that I made a late payment to Ocwen Loan Servicing on XX/XX/XXXX. XXXX is reporting that I made a late payment to Ocwen Loan Servicing on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation.
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.
I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed.
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter.
Sincerely, XXXX XXXX
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| 08/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage loan was sold from XXXX XXXX/ XXXX in XX/XX/XXXX to PHH mortgage ( part of OCWEN Financial ). Since they took over the sub-servicing of my mortgage they have caused me two serious problems : 1 ) finding my XXXX Payment and applying to the new account ( this was resolved but took almost 2 months to do so ).
2 ) Have caused me to be delinquent in my XXXX 2nd half real estate tax payment to my county treasurer because of their mismanagement of my escrow account.
Per the 2nd issue I have been interacting with them since XX/XX/XXXX after receiving a delinquent tax notice from my County treasurer 's office on my home. I sent them a letter along with the original delinquency notice AS WELL as a copy of my official county tax notice to their Florida address as advised by one of their customer service people whom I spoke with on the phone. I did not have it sent certified but I did send it with a tracking notice to verify its delivery. Since then I have made multiple phone calls with their customer service people as well as my county treasure ( who as of XX/XX/XXXX has not received any correspondence or payment from them what so ever ).
The last I heard from PHH was on XXXX that they were going to have it resolved by XXXX and were going to call me to let me know they had finally tracked their supposed escrow payment and resolved it with my treasure 's office. I never heard from them on XXXX and I know my treasure 's office is closed because they only work 4-10 's M-TH of each week.
I am absolutely flabbergasted and disgusted at the poor quality of service by this company. It should not take two months to resolve a mortgage payment or escrow account issue. I may have to go in and physically pay the tax and interest just to keep off the public record Tax Lien list which will be published in XXXX for my county!!!
My escrow account is current and I have documentation that they claim they paid the XXXX half from XXXX on my escrow statement but XXXX XXXX does not have it per their records!!
I have no confidence in this company and I am beginning to think that they are not above board in their business dealings. Its seems to me they are up to the same old mismanagement tricks from XXXX when they got caught by CFPB.
I had no choice in them becoming my loan servicer/owner and it scares me that a perfectly good mortgagee who has always made their payments on time and works to have good credit can be subjected to this treatment.
HELP!
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| 04/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan Servicing has placed Mortgage-placed Insurance on my property, claiming that I do not have the proper coverage. I have Insurance on the property and for months, my insurance agent and I have been going back and forth with Ocwen trying to establish the criteria to which they will be satisfied.
Ocwen claims that as a condominium, my condominium association needs a blanket policy for the building and a policy for the interior walls of my unit. I have had this coverage for the past ten years.
I have repeatedly asked them to give me the criteria they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the criteria. Ocwen has refused to give me the criteria, stating that the Insurance agent must obtain the criteria. When the insurance agent attempted to obtain the criteria, they get a different answer with each individual to whom they speak.
Further, they have told me that the placed insurance was due to me not contacting them in response to their letters about the matter. When I contact them, they have all the records of speaking with my insurance agent. The agent was acting on my behalf as they instructed and they penalized me for not contacting them. This is an impossible situation.
Ocwen has made it impossible to capitulate to their criteria, as they will not put their criteria in writing. They are now calling me daily demanding that I make payments on the mortgage-placed insurance. I have insurance. I have been carrying insurance on the property for ten years and I have insurance still. I am requesting help in requiring Ocwen to offer in writing any criteria to which they have to ability to make a purchase on my behalf, and then pass the charges on to me. I further expect them to remove the mortgage-placed insurance from my loan and reverse any negative credit reporting I may incur from them as a result of their negligence to be forthcoming with the criteria to which they hold my loan hostage.
Thank you.
My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Loan # XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX Insurance Dept # ( XXXX ) XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
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| 05/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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It has been a nightmare dealing with Ocwen Loan Servicing for over 8 years for a possible loan modification. Ocwen Loan Servicing has denied my request for a loan modification incorrectly over 35 times by providing the deceptive response indicating that there is a problem with the title to the property that has nothing to do with the owner to the property but Ocwen Loan Servicing lien against the property that is considered to be invalid and void. Moreover ; Ocwen collected over {$80000.00} as a monthly Trial Period with the promise of finalizing a predominate loan modification and this is while the property was in an active foreclosure. Which is considered to be unlawful.
There have been several correspondences from the Ocwen Loan Servicing attorney confirming the issue with the invalid lien. On XX/XX/XXXX, XXXX XXXX XXXX the attorney representing Ocwen Loan Servicing in an email correspondence to my attorney indicated : The modification offered to XXXX XXXX is contingent on clear title to the property. Upon investigating the title report, we discovered that there is a {$290000.00} outstanding lien on this property from XX/XX/XXXX that was never released. I have attached a copy of the deed of trust evidencing this lien. The implementation of the modification is being held up due to this cloud on title, but we are working with the title company to try and resolve this matter. To be clear, the modification has not been declined but is instead pending clear title. While we continue to work on the title matter, would you please check with your client in case they have any documentation showing that this lien was paid off? Not sure if this attorney has any understanding that, as a homeowner, I would not have copies of the documents related to prior owners loan and release of lien.
Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Regretfully ; Ocwen Loan Servicing the Debt Collector, Servicer is ignoring the California State Law! Ocwen Loan Servicing is obligated to postpone the foreclosure sale date that is scheduled for XX/XX/XXXX. Not sure how you can pursue the foreclosure sale when the debt collector Ocwen Loan Servicing does not have a valid lien against the subject property. We reserve the right to take legal action against Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200
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| 10/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Dear Consumer Financial Protection Bureau, The reason why I am contacting you is because my mortgage company PHH Mortgage Services has made a mistake and is forcing me into an escrow account.
Due to the Pandemic situation, and for this first time, I got delay with my taxes. On XX/XX/2020, I received a letter from PHH attached, saying if I do not pay the taxes for the amount of {$6400.00} to them within 30 days they will set up an escrow account as part of my monthly payments. So in order to avoid that I called them on XX/XX/XXXX ( Ref # XXXX ) to place the payment over the phone and I was told that since I have a disbursement of {$800.00} in my account the amount that I had to pay was {$5600.00}, which is the amount I paid that day.
Now, a month later I received my new monthly bill which increase from {$1500.00} to {$2200.00}. So I called right away and the reason for this increased, and they said that I did not paid the taxes which I did on XX/XX/XXXX ( see proof attached of the email received after payment ). After proving to them that I paid the taxes, they told me that by mistake they misplaced my payment and it went into my principal and told me to give them about 2 weeks to fix the problem. They called me again today XX/XX/2020 XXXX ( Ref : XXXX XXXX XXXX Escalator Manager XXXX ext. XXXX ) saying that the {$5600.00} was reapplied toward the taxes but the other {$800.00} they couldnt because it was not an actual disbursement, it was a late fee for my taxes. Then I asked him why was I told that I had a disbursement and I didnt need to pay the full amount just the {$5600.00} and he said that it was a wrong communication from them.
So from that point I told him that I will send them the {$800.00} to clarify the account due to their mistake, and he told me No XXXX, I am sorry but you are already enrolled in escrow account and there is nothing we can do about that. At that point I got very upset, they made a mistake with the amount they told me to pay over the phone ( minus the disbursement ), and now theyre acting like they never told me that. Why would I pay {$5600.00} instead of the {$6400.00}? They misplaced my payment toward the principal, and told me to pay a wrong amount So basically they pushed me into an exaggerated escrow account impossible for me to pay, with lies and mistakes made on their behalf.
I really appreciate your help to this matter.
XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX Fl XXXX
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| 04/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Ocwen took over my loan XXXX XXXX. My mortgage has been a total nightmare since.
The most latest issue is as follows : Please find attached documents for your review ).
I was approved for the Florida Hardest hit fund ( HHF ). Monies were actually funded and posted to my loan on XXXX/XXXX/XXXX in the amount of {$50000.00}.
Ocwen sent me a " MODIFICATION OF PROMISSORY NOTE '' which I signed and had notorized. As you can see by the attached document, Ocwen 's Loan Servicing had XXXX persons sign this same document. Promissory Note is entered into XXXX XXXX, XXXX.
Based on this Note, I started making my monthly loan payments, P & I then add in my escrow, which is {$120.00} for XXXX.
All of sudden, Ocwen is sending me Default Notices. As you can see by my PAYMENT HISTORY from Ocwen 's Website, my payments are made per our contract, each and every month. Payments are due on the XXXX of every month, I have a grace period up to the XXXX of each month. I live of Social Security XXXX, only, each month.
Ocwen continues to put my Mortgage payments into a Suspense account each nmonth, rather than posting to my loan.
Ocwen is now claiming that I owe them over {$2500.00} dollars. They have never changed the payment amount in their system to reflect what is on their contract.
Now, Ocwen claims the 'MODIFICATION OF PROMISSORY NOTE '' Is 'NULL & VOID '' How can that be? It is my opinion that we agreed and entered into a legal contract together. Now they want to back out of this contract. Can they legally do this? Is it considered to be a legal & binding contract? If so, how can I get them to realize this and change the figures in their system. I have been working with their account Representative " XXXX ''. Her supervisor finally got involved and he escalated it to the Modification Department who states they can not honor this contract since they are claiming my loan can not be recasted. Before the HHF money posted to my loan, I owed approximately {$120000.00}. Then after the monies were posted to my loan my Principal went down to {$75000.00}.
What Ocwen is doing, is making me pay my monthly loan payments based on thel old balance. I am requesting that the contract of XXXX XXXX, XXXX be honored and the payments are to change according to this contract. Why do I do next? I can not afford an attorney. HELP!!!! I will have no place to live if Ocwen takes my loan into Foreclosure. I pay every month ....
Your assistance is much appreciated.
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| 12/01/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.
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| 12/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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For two or so years I have been trying to get a modification on my mortgage. I became ill and got behind for two years they ask for paperwork and applications. I always get a letter saying my package is complete and a few days later they request a copy of something I already sent or they cant find it or read it. I started emailing a copy, and sending the original by mail. Still they loose something. They also request updated financial records cause it takes so long that the dates expire. I got so frustrated I got an attorney to send a copy also. Still they pulled the same stuff on them. Mind you the clock is ticking and Im closer to foreclosure. I went to my second to last court date where I was informed by their attorney that I wasnt approved because they didnt have my taxes. One thing they never asked for. I was also Informed I missed out on qualifying for an Obama loan and a loan for XXXX people. Plus I coulda got a streamline loan back when I was 3mos behind but I was never Rd offered one and didnt know it existed! but now its too late. I was given an extra month to get financing done if I agreed to sign a paper letting them foreclose. I didnt get a modification even though this time they had my taxes, in fact I was sending the papers by email and was blocked and found out I had to send the papers in a PDF. I told them by phone I would have my attorney do it. Which they did 3days later. I got an e mail the same day I was blocked thanking me for the paperwork and saying my package was complete an it could take a while before they made a decision. I sent a reply saying how amused I was cause they blocked my paperwork and my attorney was going to send it to them in the next day or so, I also added that my package couldnt be complete cause it was never recieved! Shortly after I was denied. I called and asked why cause the email they send with the reason was encrypted and I couldnt open it. I was told that it costs the company a lot of money each time they do a modification and they had no intension of approving it. Now I am trying to get a new mortgage but because my house is my place of business no one will give me a mortgage and I shouldnt have gotten one, I should have got a business loan. My current loan with OCWEN only shows the house the Barn an indoor arena dont exist per the way the Mortgage was written. I have till XXXX-17 to get a new loan of some sort either business or personal loan to catch the payments up. HELP!
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| 04/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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Thank you for AGAIN taking time on this issue for me.
There has been an ongoing review of the mistake made by OCWEN on my escrow balande owed. Although they have admitted the error and reduced the amount to put into the escrow account AND, although I neglected to send the money WITH THEIR LITTLE COUPON, they have NOT APPLIED THE {$3500.00} as requested to the ESCROW ACCOUNT ONLY. At this time, they are sending me DELINQUENT NOTICES for my mortgage payments and have arranged for a company to call my home as they believe I 'm having problems PAYING MY MORTGAGE. I have paid each and every payment on time and early without fail. Since they reduced the amount to put to escrow to $ XXXX+/- and I HAVE PAID IT IN FULL with 2 pmts of $ XXXXea in XXXX and an additional of {$2500.00} in XXXX, they have not caught up with their own paperwork and show me delinquent! I appreciate all the assistance and contacts you have made for me during this time. I have asked them to ACKNOWLEDGE THE {$3500.00} paid to the escrow ONLY as noted on my checks and they are not doing so and also I asked for a review of the payments to continue with and get double talk responses in the mail and email.
1. They wanted $ XXXX+/- for the escrow balance and THEY RECEIVED IT 2. They will not respond with acknowledgement that the money WAS INDEED RECEIVED nor give me the amount they would like to adjust my payments to from XXXX IF ANY is required since the {$3500.00} paid already.
I continue to pay the original amount XXXX and am now receiving the new DELINQUENT NOTIFICATION. It seems that they can not address the challenges THEY created in a timely fashion and I am suffering with possible credit score issues and always the possibility of losing my home when I HAVE PAID CONSISTENTLY and given them the adjusted amount they determined ( {$3500.00} ) after knowing that the nearly {$30000.00} they were looking for originally was NOT VALID! Please request that I get JUST THE INFORMATION I NEED and that they adjust THEIR RECORDS to acknowledge all they have asked me for is COMPLETE and what amount I should be paying on my monthly payment. The new amount they are looking for is around {$5000.00} for no reason but that they can not adjust their own records to make good.
Thank you AGAIN for getting involved. I wish you could force them to DO THEIR WORK and fix this for me since it is THEIR ERROR and not mine.
XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, IL XXXX Loan number XXXX
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| 01/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
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In its letter dated XXXX/XXXX/XXXX & which I received by mail on XXXX/XXXX/XXXX, & pursuant to CFPB File numbers XXXX & XXXX, Ocwen Loan Servicing , LLC formulated its final determination on some aspects of my complaints. It will not delete a late payment notification to the Credit Bureaus which relates to XXXX XXXX & it also makes the following assertion : " Additionally, as reflected in Ocwen 's XXXX XXXX, XXXX response to you and to the CFPB ( file number XXXX ), Ocwen disbursed a property tax payment of {$2900.00} to XXXX XXXX on XXXX XXXX. XXXX, prior to the loan satisfaction on XXXX XXXX, XXXX. In response to your most recent correspondence, Ocwen contacted XXXX at XXXX XXXX, who advised there was a delay in that office processing duplicate payments. XXXX advised the duplicate payment would be processed within 30 days. As soon as Ocwen receives a refund for this payment, the funds will be forwarded to you ; however, as the funds were not originally disbursed in error, there is no more Ocwen can do to assit in expediting this matter ''.
This aformentioned statement by Ocwen is misleading. In fact, upon receiving Ocwen 's letter today, I immediately communicated with XXXX XXXX XXXX at XXXX XXXX XXXX ) which informed me that the only executed property tax payment in their books for the property in question is from " XXXX XXXX '' and dated on XXXX/XXXX/XXXX. According to their records, they returned to Ocwen " unprocessed '' duplicate checks on XXXX ; XXXX & XXXX. Presumably, the unprocessed duplicate check returned on XXXX would apply to my former property. In fact, based upon an email communication with XXXX XXXX XXXX on XXXX, Ocwen had made the following statement : " The taxes HAVE NOT been paid, they are scheduled to be paid by end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid ''.
According XXXX XXXX, they do not process duplicate checks and that they simply return them to those who sent them.
Why is Ocwen making such misleading statements concerning this property tax issue? Why is Ocwen so resolute in delaying to provide me with the required refund? Why does that Ocwen keep on insisting that I should have also made duplicate payments related to the XXXX mortgage payment when its PayOff quote already included such payment amount? Would it then come up with other made up causes which would obligate it to delay making all required refunds?
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| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing this Complaint because : PHH failed to pay my property tax ( for Q1 XXXX ) on time. The payment has been 2 months late.
The property tax for Q1 XXXX, which is due on XX/XX/2021 ( per the invoice mailed by the XXXX XXXX XXXX has not been paid as of date XX/XX/2021 ( see attached ). The town has mailed 2 written delinquent notices ( see attached ) informing me of the issue.The documents have the contact phone number of the Township.
As a customer of PHH mortgage, we have an escrow account where your company currently holds my money, which is supposed for the property tax payments. According to my loan agreement with PHH, all property tax payments are under PHH 's responsibility and it is the firm 's legal obligation to make the payment timely and accurately on my behalf using the funds in my escrow account.
I, XXXX XXXX, have made several phone calls with the customer service representative and the escalation managers to raise the issue. The first phone call was on XX/XX/XXXX and the representative confirmed that the original Tax amount plus any additional interest would be paid in full by PHH Mortgage Services. However, I continued receiving another delinquent notice from the town ( with a new due date of XX/XX/2021 XXXX .I then submitted all the paperworks required by the escalation manager to the escalation services and to the Tax department several times.
However, as I didn't see any progress made and my case was still pending verification, I made several phone calls back and was told by an escalation manager ( ID XXXX : XXXX XXXX XXXX that the team was still verifying the information and couldn't reach the XXXX township, thus the payment had not been made.
I then called the township on XX/XX/XXXX and was able to connect right away. We were even able to conference the escalation manager into the call to verify with the officer at the township. The township confirmed that they always have officers taking phone calls and following up on voice-mails.
As of date XX/XX/2021 we have made countless phone calls yet the payment has not been made.
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.
You can reach out to me at XXXX or email : XXXX.
Loan XXXX Names on loan documents : XXXX XXXX XXXX XXXX and/or mailing address : XXXX XXXX XXXX, unit XXXX XXXX NJ XXXX Regards, XXXX XXXX XXXX
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| 04/03/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Related Case Number : # XXXX & XXXX Ocwen alleged in their response ( XXXX ) that I claimed they " directed '' me to get a lawyer and discontinue scheduled mortgage payments. ( " We respectfully refute your allegations that we forced you into hiring an attorney and caused you to stop making monthly payments. '' ) I did nothing of the sort. What I indicated was that they declined my applications for assistance in XX/XX/XXXX. My financial situation was exactly the same in XX/XX/XXXX ( DECLINED ) as it was when my next application was begun again in XX/XX/XXXX ( LATER APPROVED ). The ONLY difference in my situation, between XX/XX/XXXX and my later attempt in XX/XX/XXXX XXXX, was that I HIRED AN ATTORNEY and to afford, said legal assistance, DISCONTINUED MAKING MONTHLY MORGAGE PAYMENTS. One unintended, though extremely valuable benefit, was that OCWEN/Lender now had to confront the very high costs of the foreclosure process, maintaining the property, and the significant losses, if & when, they were able to sell it. So while they never verbally, or in writing, " directed '' me to STOP making payments or HIRE an attorney, they behaviors with earlier attempts certainly did precisely that. AS A RESULT THEY CAUSED THE MISSED PAYMENTS & THAN PENALIZED ME FOR DOING SO.
With regard to the appropriate and required revisions to my credit report they claimed : " We are obligated to report the account accurately to the credit bureaus.. ''. As a result I 'll require PROOF that was in fact a " legal obligation '' ; required by relevant LAWS in place at the time. Also, a complete list of said laws so that I may conduct a review.
Finally, with regard to eliminating the balloon payment. As with all agreements everything is negotiable. When the market crashed in XX/XX/XXXX I continued to make monthly payments on the loan, ( fraudulently initiated & reported to the NY AG ) at an interest rate several time higher than the lender could have gotten anywhere. So, I personally kept their balance sheet in the BLACK for over half a decade. Their mortgage modification, while lowering on-going payments, adds a balloon payment after 30 years that effectively forces me to buy the home twice. Effectively making me a 30yr RENTER with XXXX Equity. So I 'm merely asking the lender to eliminate the balloon and help BAIL ME OUT in the same way I did them ; by virtue of my continued timely mortgage payments and tax dollars to bail out their mortgage industry.
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| 10/08/2021 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX PHH Mortgage made payment to my insurance after asking them to make payment for a few months. They finally did but the Insurance company never received it. I called PHH Mortgage over the course of the following 3 months to fix this issue, On several occasions I have spoke to agents named XXXX from insurance dept and he stated it was cancelled check and reissued to the insurance company. 3 weeks later nothing was cancelled yet but PHH Mortgage charged me a second time for the insurance. the second payment made was XX/XX/XXXX same amount of {$4500.00}, my account became negative for escrow in the amount of {$4500.00} as they never issued the refund to me or the account. to make matters worst, they transferred my account to XXXX XXXX on XX/XX/XXXX and closed my account with them as paid in full. now when i make contact with them, no one knows anything and all i get is " they are working on the stopped check to refund to me ''. its been 3 months since this incident and they have not refunded my the original charge of {$4500.00} for double insurance payment even though they have advised me the check was cancelled and not cashed by the insurance company. along the way my insurance was going to cancel and they didnt issue second payment to them until XX/XX/XXXX, so i had to make a 3 month {$1100.00} payment to my insurance company to keep my insurance from cancelling. as part of FHA rules the mortgage servicer is required to make my insurance payment on time, hence the required escrow account. i have since spoke to XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX ID XXXX, stated the completion date of refund into my escrow account would be XX/XX/XXXX and it didnt happen. no refund issued to account or to myself. on XX/XX/XXXX spoke to XXXX XXXX XXXX and he advised they are working on refund. on XX/XX/XXXX i spoke to XXXX ID XXXX and he advised they are working on refund, after i was upset and asked for manager, he stated he could no longer hear me on the phone call and acted like there was interruption and went quite and quit responding until i hung up. i have no idea what else to do because this is an extreme gross error on their part and they are washing their hands clean with false info each time i call. i do not have {$4500.00} just laying around to give away and i would like my refund sent to me. the new mortgage company has confirmed that they have yet to receive a refund from PHH Mortgage for my escrow. please help.
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| 10/24/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance.
I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference.
Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for.
I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken.
At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem.
As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.
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| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Ocwen Loan Servicing sent me a letter dated XX/XX/XXXX, stating : As of XX/XX/XXXX, you are 3264 days delinquent on your mortgage loan. Your account first became delinquent on XX/XX/XXXX.
I agree that the last payment I made on the mortgage account they purport to service was XX/XX/XXXX, so the date of first delinquency is XX/XX/XXXX.
Last month, Ocwen made the following statement in a letter : Our records indicate that on XX/XX/XXXX, we have processed adjustments and rolled the due dates from XX/XX/XXXX to XX/XX/XXXX in order to apply the funds toward the interest and escrow only.
My position : Any adjustments Ocwen processed to my account on XX/XX/XXXX have no bearing on the underlying fact of my last payment date and the date of first delinquency. I made no payment after your XX/XX/XXXX letter, and therefore the date of first delinquency remains XX/XX/XXXX.
Ocwen appears to have created unilateral adjustments for the purpose of bringing forward the date of first delinquency, so that they can continue to report this account. Its CRA reporting is illegal under FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), and willfully fraudulent. The following guidance provided by the Federal Trade Commission supports my position : If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This date of delinquency determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years.
[ Y ] ou have legal obligations under the FCRAs Furnisher Rule. Your responsibilities include furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide.
As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
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| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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PHH sent me a loan Modification package, completed it. Made payments on time during the trial period. Started to make regular payments. PHH sent a final doc to sign along with the terms of agreement. Interest rate was good. They gave no details on the numbers they provided. A balloon payment of XXXX was provided. No information on how they came up with those numbers.
I requested a breakdown of these numbers, and the person I was speaking to said they would request the info. for me. In the meantime, they give me a extension on my signing the final Modification package. After a 3 to 4 weeks I called in again. Person said they saw the request and gave me another extension. Weeks go by and I call again ( third time ) this time she said that the info in being mailed out to me. She informed me to go ahead and sign the package and if I had any disputes with PHH I can do so without worrying about accepting the Modification package and not being able to dispute anything. So, I signed and sent it off. No one offered me this idea to me in the previous calls. I did get the info. I got a letter a week or so later informing me I am no longer eligible for the loan modification. " You failed to return the final modification agreement within the required time frame. '' The three calls I made into PHH are all there. Everyone can see the notes. But the people who sign off on this does not care. The notes are not in dispute.
Second problem. I made a partial payment on XXXX of XXXX and it was returned to me on XXXX because I was now required to make a minimum payment of XXXX.
On XXXX I made a payment of XXXX and on XXXX they returned it back to me. Rules keeping changing. Now I am required to make a full payment or nothing. I could not afford to make a full payment. I could have been making the regular payments but no.
PHH add over XXXX in late fees and different kinds of penalties, legal fees over that same time period. The same time period they refused to allow me to make any type of payments.
On the one hand they refused any type of payment from me and on the other hand they charged me penalties for not making payments. My penalties would have been a lot less had they allowed me to make payments.
All the notes I referred to are in their system. I do not have access to them.
Very frustrated at the moment.
They say they are sending me a new package to file all over again.
Any help would be greatly apricated.
Thanks XXXX XXXX
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| 05/26/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I fell behind in my mortgage payment s and I went into default I was told I didn't qualify for modification. So I was sent a letter from OCWEN/PHH Serviceing company telling me that they had referred me to an attorney to start the foreclosure process. I recieved that letter and I responded with a sworn affidavit asking them specific questions because I started getting letters from different named companies asking me to send my payment to different locations. So I started doing some research of my own about who was OCWEN and now PHH and what I found out was HORRIBLE To say the least. OCWEN has been KICKED OUT of at least 32 states where they can no longer conduct business because of their illegal practices. I found out that my original lender BUNDLED up my mortgage with others and securitized my loan separating the Note from the mortgage which both are illegal do to the truth and lending act they also never gave me full disclosure on what their real intentions were and they turned my promissory note into a security instrument with my knowledge. So I sent all of them a sworn affidavit asking them if they breached my contract or did they follow the the law and the rules and regulations of GAP General Accounting Principles and Practices. And none of them have answered nor did they sign the sworn affidavit saying they did in fact follow the law. So they scheduled a foreclosure sale for XX/XX/2019 and sent a attempt to COLLECT a debt letter and I responded with the same affidavit that I had previously sent to OCWEN/PHH and XXXX XXXX and now I am sending it to their attorney and in a matter of a few weeks I got a letter back from their attorney saying that the loan and property foreclosure sale has been canceled for XX/XX/2019. And now 7 months later they are trying it again. I am furious because they have no legal standing what's so ever and cant produce any original documents including my original note. They claim that they only canceled the debt for XX/XX/XXXX was because I was in bankruptcy and that is a complete lie. They canceled the debt on XX/XX/2019 and I filed for bankruptcy 4 days later so that is a serious lie. I have all of my documents to prove they have no standing and they are committing fraud because Georgia is a Non Judicial State as it relates to foreclosure and these Serviceing companies are getting away with pure unadulterated THEFT. And it appears these attorney s and judge z are complicit in it.
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| 01/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have had a mortgage with OCWEN for the past ten years. I have had multiple problems with them as they constantly lie and destroy documents. They placed lender insurance once on me charging me XXXX XXXX of dollars in unnecessary additional insurance. I was able to solve the problem once a class action was started against them. Two months ago they suddenly reported me to the credit reporting agency saying that I had missed two payments. I disputed it stating that I was current. They stated that when my loan was transferred from OCWEN to PHH the loan was two months short and that when they audited my account in XX/XX/2019after they acquired the loan. First of all my loan was never transferred to anybody, as OCWEN bought PHH and just changed their name. They are the same company and they have all the records. They sent me a written report which shows that I paid every month, but they claim that regardless of their own report I needed to produce receipts of XXXX and XX/XX/2019 ( 12 months later ) to prove I paid in those months. It looks like they have made a mistake and they refuse to acknowledge such mistake. Since their processing is done abroad in countries where acknowledging a mistake is considered a sin, I believe that somebody has made a mistake and they can not admit they are wrong. 4 years ago an OCWEN insurance processing center in XXXX refused to acknowledge that I had an escrow account with Ocwen, when all the documents proved that I had. It took me then three months to straighten the mess by involving a US based loan manager which launched an internal investigation from the US headquarters into the XXXX office. US borrowers are paying a hefty price for Ocwen 's outsourcing their record keeping to countries where there is no understanding of basic accounting and where they are unable to read documents in XXXX due to their poor knowledge of the language.
I was able to locate the XXXX receipt from my bank statements, but I can not locate my XXXX receipt because my husband changed its bank and did not keep the paper statement as they were all online. That notwithstanding, their own statement shows that a payment was entered in XXXX and credited it accordingly. This matter came about only in the Fall after my loan was " transferred '' to PHH.
OCWEN has a pattern of falsifying documents in order to defraud customers.They are now using the " transfer '' excuse to claim missing payments when there are none.
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| 05/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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C F P B The initial incident happened with XXXX XXXX , XX/XX/XXXX the y issued me an " Interest Only Mortgage '' based on the monies I had invested with them. They ( XXXX ) put 40 % of the initial value of my condominium ( {$140000.00 } ), 10 Year -- Interest Only -- 6 % ( locked in XX/XX/XXXX ) ( XXXX ) ( {$450.00} -- Ap p. Fee ( Returnable @ settlement ) {$56000.00} in an escrow account. With that account I could invest in Grade " A '' Stocks and Bonds, and put the proceeds in a Money Market Account, where my mortgage ( at the rate of 5875 % ) would be paid out of. I also added to that account the rest of my estate to a total of {$72000.00}. After 5 years ( and a crash in the market, where I could not transfer my monies out of the stocks and Bonds account fast enough with out getting permission from the Mortgage Dept. ( by that time my investment had declined approx. 50 % ). When my account fell below {$25000.00}, I was contacted by XXXX XXXX of XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX Department and told not to make any more payments, so I could qualify for a HAMP by XX/XX/XXXX . 1 ) XXXX ( XXXX ) Modification Request XX/XX/XXXX denied ( reason-Estimated value of condo was wrongly estimated at {$360000.00} not {$200000.00} its actual worth. 2 ) XXXX ( XXXX ) Modification Request XXXX denied no reason given. XXXX XXXX sold Mortgage to XXXX 3 ) OCWEN Modification Request XX/XX/XXXX - XXXX XXXX of XXXX XXXX XXXX XXXX denied ; reason ( XXXX does not allow Modifications 4 ) OCWEN Modification Request XX/XX/XXXX - Ocwen Account Specialist, XXXX XXXX recommended Modification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied ; reason ( XXXX does not allow Modifications 5 ) OCWEN HAMP XX/XX/XXXX Ocwen Attorney XXXX XXXX recommended HAMP XXXX XXXX XXXX XXXX , XXXX . of XXXX , XXXX , XXXX XXXX XXXX , XXXX ( ATTORNEYS AT LAW ) denied ; reason ( XXXX does not allow Modifications 6 ) OCWEN Modification XX/XX/XXXX Ocwen Attorney recommended HAMP w/ XXXX XXXX XXXX , XXXX . of XXXX , XXXX , XXXX XXXX XXXX , XXXX ( A TTORNEYS AT LAW ), Ocwen recommended to contact HUD APPROVED HOUSING COIUNSELING ( XXXX ). Contacted XXXX XXXX , at XXXX regarding scheduled Sheriff Sale on XX/XX/XXXX , He researched and XXXX does do Modifications.
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| 03/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I took advantage of a deferment of my loan during Covid19 through my loan servicer, PHH. This was a very stressful time and I was happy to stop payments and start again later without it affecting my loan balance or credit. My loan balance was {$570000.00} when the deferment began. When I started paying again, it had risen to more than {$600000.00}! They assured me I had not been charged interest so I can not understand why my loan balance is now close to $ XXXX dollars higher!
I wrote several times to get an explanation and also spoke to someone more than once. What I was told was they took the payments I had not made and put them at the end of my loan. The problem is that they also left those same payments at the beginning of my loan so I'm being charged twice. I asked for a detailed explanation and they just kept saying the same thing over and over which doesn't make sense to me. I can not imagine this is happening to a lot of people and no one is saying anything or concerned that what was supposed to be a lifeline is in truth an expensive anchor.
This week, I tried to make an online payment for my mortgage as I always do and for some reason I have been blocked. There is no valid explanation why I am no longer able to make a normal payment as I do not have a pending payment. I have done it this way for years and this is the first time I've had this difficulty. At this point, I don't trust anything they say so I want things in writing. ( They told me in XXXX XXXX XXXX owned my loan, but they do not ). Is this some sort of punishment for questioning their tactics?
If I had known they would do this I would never have agreed to this deferment option. They did not disclose this is what was happening, they just let me know every month my payment had been deferred. When I looked up the word, deferment means you will pay later not that you will pay the same amount twice ; once now and once later. My expectation was that I would pick up with my loan balance of {$570000.00} where I left off in XX/XX/2020.
I would continue paying and my timeframe to pay would be extended by the eighteen months that were deferred.
I am uploading several copies of my mortgage statement at different times including before the deferment and after. I have also included the message I get when I try to make an online payment.
So many horrible things happened to me during this pandemic.
This must not be another tragedy on my pile.
|
| 11/23/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property.
Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX
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| 01/29/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a notice from PHH Mortgage Escrow Services who took over my mortgage loan from XXXX services in XXXX of XXXX. I received a notice from PHH, dated XX/XX/XXXX, that claimed I owed PHH {$170.00}, for an escrow shortage. However, the notice did not reach my mailbox until XX/XX/XXXX. I contacted PHH immediately and informed the representative that, XXXX, the previous mortgage company had already re-accessed my escrow and charged me {$75.00}, in XXXX of XXXX. PHH representative, on my initial call, in XX/XX/XXXX told me she could see in their records what I was telling her, and that she would send a notice to escrow for a " correction. '' I have called PHH several times ( 4+ ) and each time I'm given a different date for an answer. the last date I was given was XX/XX/XXXX. I checked on line, called PHH, and keep a close eye on my mail with USPS, but still no answer! I called PHH today on XX/XX/XXXX, the representative told me Escrow just put in a note on XX/XX/XXXX, stating they do not have my Escrow information from my previous servicing company ( XXXX ). To date, I have paid escrow shortages to XXXX and to PHH totaling over {$250.00}. If PHH has taken over my loan from XXXX, it is their responsibility to make sure they have all the documents needed in order to collect money from me! since PHH took over my mortgage services, I am now paying an additional {$30.00} per month in excess of the initial increase from my previous mortgage servicing company. My monthly mortgage has increased in less than one year to nearly {$60.00} per month between the two errors!!! I am on a fixed income, and can not afford this increase in my mortgage payment from PHH!!! I attempted contacting XXXX for PHH, and was put on hold today for over an hour and then cut off!! I have been trying to rectify this situation with PHH mortgage servicing since they sent me the notice of an escrow shortage in XXXX of XXXX. I have NEVER received anything in writing from PHH, no courtesy call, nor am I able to access ANY of their escrow information on their website. Yes, there is a balance they show in my escrow account, and the amount they paid to my first installment for property taxes, but when I make a payment specifically to PHH mortgage escrow, I expect to see evidence of that immediately on line or somewhere in a statement!!! I have paid PHH {$170.00}, for a so called escrow shortage and have not received any answer for this error!!
|
| 06/24/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
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I did not not transfer a loan to Ocwen. Ocwen did not give me anything.
I paid indy Mac to payoff a mortgage at XXXX XXXX XXXX in XXXX. I paid XXXX XXXX XXXX to pay off a mortgage at XXXX XXXX.
I have so far paid the {$510000.00} that paid off the original 30 year, 6.5 %, {$220000.00} loan. Plus the {$57000.00} down payment I made in XXXX. In XXXX commerce bank gave me a {$36000.00} line of credit to payoff a {$7600.00} credit card balance. XXXX gave me a {$35000.00} line of credit to replace the {$11000.00} I owed commerce bank now I owed {$18000.00} to XXXX.
With {$16000.00} remaining credit.
Duplex refinance.
{$60000.00} loan pays off {$41000.00} and {$18000.00} XXXX balance.
But XXXX does not have a lien on my duplex. XXXX did not have a lien on my duplex.
I owe XXXX XXXX {$60000.00}. I owe XXXX {$0.00} I owe XXXX {$0.00} I have a {$35000.00} line of credit and a {$220000.00} first mortgage.
Indy Mac used the {$35000.00} to pay {$44000.00} - {$7000.00} = {$36000.00}.
I owe Indymac the {$220000.00} mortgage + {$35000.00} 2nd mortgage + {$60000.00} {$320000.00} With {$260000.00} balance with {$28000.00} credit to pay {$4400.00} escrow = {$23000.00} + {$60000.00} or {$82000.00} with {$23000.00} credit remaining to pay 4.5 years of taxes and insurance {$230000.00} paid to Indymac.
{$62000.00} paid to XXXX XXXX {$290000.00} paid.
{$97000.00} interest due ( {$130000.00} reported. ) {$38000.00} escrow disbursed ( in the loan ) - {$4800.00} paid to midland.
{$33000.00}.
- {$1000.00} surplus {$32000.00} total escrow.
{$97000.00} {$120000.00} total costs from {$290000.00} {$160000.00} paid to principal.
{$260000.00} balance XXXX {$99000.00} total balance due with {$53000.00} due to XXXX XXXX {$45000.00} due to Indymac {$100000.00} + {$10000.00} escrow surplus {$120000.00} paid ( + duplex foreclosure ) interest taxes insurance {$60000.00}.
{$60000.00} overpayment + duplex value {$140000.00} paid - {$53000.00} = {$91000.00}. ( Buyers mortgage ) XXXX They owe me {$150000.00} PLUS duplex XXXX My balance is {$0.00} Bankruptcy {$630000.00} debt discharged ( for {$140000.00} balances of which {$80000.00} was extinguished {$270000.00} remaining balance is credit. Of which {$220000.00} is prepaid XXXX = {$150000.00} remaining PREPAID credit PLUS the {$150000.00} they owe me is. {$310000.00}.
I OWE {$0.00}. they owe me $ XXXX.PRINCIPAL balance plus a duplex!
The total of credit lines was {$250000.00}.
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| 05/03/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American, Servicemember |
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In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding.
The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents.
The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action.
Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff.
In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.
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| 12/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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In XX/XX/XXXX I was experiencing financial problem. I called my mortgage institution for monthly payment assistance. I was sent a package requesting to notate my hardship and list of monthly bills. I wrote a detailed letter and gave account of my monthly bills. I was then called and informed I was approved for the modification for my mortgage and a package will be emailed to me to sign. Only after I signed and agreed to the terms will I get the assistance I needed. Of all the paperwork I signed I was given what was called a SHARED APPRECIATION agreement which I am attaching as well. I was emailed the information and told to return it that day. I signed and returned the package and my payments were greatly reduced. Just recently I was attempting to refinance my mortgage which would lock me into a much lower monthly mortgage amount at a fix rate. I was approved however while finalizing the paperwork I was told my mortgage company is requesting over {$5500.00} to be added to the payoff amount. I was sent the XXXX. I called because I did n't understand what it was and I was told that because they helped me with my modification, that anytime I sell or refinance my home I agreed to share in the appreciation of my home. They stated they would receive {$5500.00} of the shared appreciation because in 2012 they appraised my home at XXXX and I financed XXXX at the time of the agreement. I was never sent anything that I can remember stating {$5500.00} was the shared appreciation amount. I feel this is predatory loaning for a person in need financial help. I was rushed to sign and fax back the information. If I understood I feel I had no other options as I could n't afford the mortgage I was paying. They knew I was in financial distress and I know they took advantage of my circumstances. My payments went from {$880.00} to {$590.00}. When I received the loan I was told to make payments on time for the next XXXX years and they would forgive approximately XXXX each year and I did so without incident. It appears to me that signing this agreement was there way of getting back what they stated was forgiven. I feel that these mortgage companies are taking advantage of people in hardships and later making even bigger profits. The extra money I could be getting from my refinance is money homeowner can later use for children 's college, home improvements or paying off debt but predators like OCWEN found a way to take that away.
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| 12/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am formally complaining against PHH Mortgage Corporation of XXXX XXXX XXXX, NJ. PHH is my loan servicer, and I have received horrible customer service from their Relationship Management team and their XXXX XXXX Department. I've attached XXXX separate transcriptions of the emails I've sent back and forth with PHH, where I am trying to speak with someone knowledgeable -- not standard customer service representatives in a remote call center who can't answer more nuanced questions -- about PMI removal and the Appraisal I have requested. I began this process in early to XXXX, and it is now early to XXXX, and I have not spoken with my account manager.
Today, I had an appointment window from XXXX - XXXX XXXX for the relationship XXXX to call me -- which was confirmed multiple times via email, as you'll see. The relationship XXXX did not call me, I have not been contacted by phone today. My alternative dates to set an appointment were also, apparently, unavailable.
I have XXXX, maybe XXXX fair and straightforward questions that I would like to ask of a " person in the know '' at PHH regarding the most expensive financial obligation to my name -- my home mortgage. As of today at XXXX, I have still not been able to ask these questions and receive fair, knowledge-backed answers.
I have asked repeatedly for PHH to elevate my case in hopes that I would finally be put in contact with someone who has authority in the mortgage servicing realm. To-date, this has simply not happened, and I've been given the run around.
Mortgage servicing does not allow for consumers to make choices and changes with their financial matters and who handles them. My mortgage was sold ( no less than XXXX times ) by my mortgage originator, therefore I had no say, no choice in who now services the most expensive thing I own. If I received this abhorrent customer from service my bank or my financial planner or a consumer goods provider, I would have already walked away. I simply can't do anything about this situation except to file this complaint and hope that it breaks through to someone who I can be in contact with to answer my reasonable questions. The federal government, and maybe even the leadership at PHH, should be aware of just how unprofessional their customer service smoke-in-mirrors act is.
The attached email chains contain further details to illustrate the communications and unacceptable service I've received from my servicer.
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| 02/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX.
2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. XXXX XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, XXXX XXXX always continued to make his payment with fail.
3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to XXXX XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for XXXX XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead XXXX XXXX received agreement in mid to late XXXX. Upon receiving XXXX XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with XXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems.
XXXX XXXX XXXX XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of XXXX XXXX for the delayed return.
5 ) When XXXX XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX.
6 ) PHH Mortgage stated they would review and except Final modification once again ; however what PHH Mortgage did was place a new sale date in system for XX/XX/XXXX.
7 ) PHH Mortgage waited until XX/XX/XXXX to once again deny the Final Modification previously signed and executed correctly. PHH Mortgage did this to keep the position of foreclosure sale date in place for XX/XX/XXXX.
8 ) PHH Mortgage then suggested to send in new RMA application which they were going to fax and never did. PHH Mortgage stated they would postpone sale date due to the errors on this file ; confirmed by Customer Relations team agent XXXX ID # XXXX of PHH Mortgage. PHH Mortgage has not suspended or postponed sale date.
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| 08/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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we have had several issues with PHH Mortgage not processing our monthly payments and then not notifying us of the payment reversal till weeks or a month later. By this time we are charged a late fee and our credit score is affected and reported against.
We have had the issue happen both when we pay over the phone and recently on XX/XX/XXXX and XX/XX/XXXX when we paid on their online portal.
I XXXX was told that the phone payment was returned due to our bank account number being wrong ( it was missing a " XXXX '' ) i spoke XXXX the PHH rep and he told me the routing and account # 's and they where correct XXXX for XXXX " XXXX '' was missing in the XXXX XXXX digits. He corrected the issue. I thought since it was corrected we where good.
We then paid online XX/XX/XXXX & XXXX to cover XXXX and XXXX 's monthly amounts we owed. We have had issues since XXXX XXXX our clients not paying us on time so we got behind several times. The payments where then returned on XXXX & XXXX with no notice from XXXX till around XX/XX/XXXX.
I called PHH again on XX/XX/XXXX to make the now XXXX days late XXXX payment and address the returned online payment. They told me the bank and routing number and of course it was missing the same " XXXX ''. I told them this was fixed a month to XXXX ago what's the deal? They said that the online account # would only be entered by me and they couldn't have messed it up. My thoughts : Why did both their XXXX payment methods have the same issue and they could fix the phone XXXX but not online???
My XXXX called PHH on XX/XX/XXXX to once again try to address the issue the PHH rep tells my XXXX again they couldnt have caused it and the best way to fix it is delete the current payment info and enter the correct amount so my wife does this. My XXXX did this w/o looking to see if the account # was missing the " XXXX '' so the issue should be addressed now but we have XXXX XXXX days late notice on our credit report for XX/XX/XXXX which we paid in time but then where reported late due to PHH constant inability to process a payment, notify us about it in a timeframe before its reported as late and past their XXXX days grace period. This happened before with a phone payment but im not sure the timing to know if its the cause of the XXXX or XX/XX/XXXX late reports we have on our credit score but I would expect XXXX of them is as they have caused the XXXX one now on our XXXX round with them.
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
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I am in danger of losing my house at foreclosure sale because my lender Ocwen has been switching us from one department to another, losing my paperwork and misleading me. I am behind on my mortgage, but our situation has stabilized and we now clearly make enough money to afford a fair mortgage payment. I was told by the Ocwen agents (when I could understand their XXXX) that I clearly qualified for modification help. But after nearly 3 years of trying to get reviewed and mailing in full packages to them on multiple occasions I am now facing a XX/XX/XXXX sale date. This property has been in my family for XXXX years, and I can not let it be foreclosed on!!
I refinanced several years ago and found out later that this adjustable rate loan that was sold as the best deal has a rate and payment that goes up constantly. My interest rate is currently at 6.625% and will soon be at 7.25%. I worked as a XXXX for over 25 years but began XXXX and was soon on a fixed income. The problem was that my mortgage payment was going up as well as the cost of living etc. I began struggling with the monthly mortgage payment and contacted Ocwen and was told that I could apply for help I just needed to fill out some paperwork and send in my financial information. After the documents were received I was told by the agents at Ocwen that I definitely qualified for help, with my fixed income and my wife's employment with the XXXX we fit into guidelines. However, we then went through two plus years of back and forth with Ocwen. We were never able to speak to the same person twice; there was not a single point of contact, and when we did get someone on the phone we usually could not understand them because they were working at a call center overseas. A few months ago we were told that we were being denied for any type of help and that we needed to sell or move out of our house.
I am not shocked that this has occurred, because I have read that Ocwen has a history of misleading and lying to homeowners in foreclosure and in fact they were fined XXXX by the US government for these actions. I am here to tell you that this is still a problem. I want to save my home. I have researched the guidelines for the government modification programs and I am sure that we qualify, the problem is that Ocwen has not conducted an accurate or timely review (if they ever conducted a review at all) of our current financial circumstances.
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| 04/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I called my loan servicer Ocwen Mortgage on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the Ocwen RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later Ocwen sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of Ocwen even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if Ocwen Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. XXXX XXXX XXXX recently sent a letter dated XX/XX/XXXX, that XXXX is the new servicer for this account and collecting payments ; gave new XXXX loan account #.
I have supporting documents to proof Ocwen Mortgage 's fraud. Even after Ocwen made me delinquent purposely on my mortgage, Ocwen refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from Ocwen Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc.
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| 12/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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On XX/XX/2019 PHH Mortgage communicated to CFPB and myself that they had not received my payment ( see attached ) I also received correspondence from PHH mortgage with a copy of my check, also dated XX/XX/2019 that my payment for {$2200.00} was received but will not be credited to my account. ( See attached ) and the check would be destroyed.
PHH began collection calls and threats of foreclosure on XX/XX/2019. Even though I communicated and offered proof of payment sent by Priority Mail on XX/XX/2019. They refused my offer to rectify the situation by making the payment with their Representative over the telephone without a fee and the option to stop payment on my {$22000.00} they claim was not received.
I repeatedly emailed and called ( with extreme hold times, transfers, and disconnects ) asking if someone could take my {$2200.00} payment over the telephone, to no avail, I was declined. They demanded, I pay almost {$7000.00} or face foreclosure, because my short-term payment plan was null and void, since my payment had not been received.
I only had 2 payments left to make on my short-term repayment plan. Now they have added additional charges, late fees, and assessed expenses.
Ive had over {$780.00} in my Suspense Account with PHH Mortgage, which they have refused my request to use my own funds to offset my payments.
Each time Ive made a payment, I have been charged. One month I made 2 payments and was charged twice.
Their letter stated I can apply for a reinstatement quote, however, its not free and actually quite expensive.
PHH Mortgage stated that they never received my check, when the check was actually received. Refused to allow me to make payment to remedy the situation. Threatened me with letters and telephone calls to foreclose.
This is exactly what happened during my initial short-term repayment plan that was initiated with Ocwen and then sold to PHH Mortgage. Ive paid for 2 short-term payment plans, which I have not been able to pay off, due to PHH Mortgage mistakes.
I want to note that during one of my telephone calls to PHH, I told the Representatives ( I spoke to 2 ), that the information they are discussing was not my account. And they argued with me and refused to believe me. I was spoken to like a kid who didnt know about my mortgage, and the information from another customers account was forced on me to listen to. I kept telling them, that is not my account.
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| 03/21/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale.
Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.
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| 01/29/2019 |
Yes |
|
- Trouble during payment process
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|
Web |
Older American |
|
XX/XX/XXXX Re : Ocwen Loan Servicing, LLC Loan Number : XXXX To whom it may concern, I would like to file a complain regarding Ocwen Loan Servicing Escrow department. On XX/XX/XXXX I receive an Annual Escrow Account Disclosure Statement, upon reviewing the statement it indicated that according to their projection for the coming year, the expected escrow balance is {$1000.00}, making the escrow balance deficiency {$0.00} and based on the expected balance deficiency of {$0.00} and the minimum required balance/Cushing of {$640.00}, an additional {$250.00} is needed for the escrow balance.
A coupon was sent in the package for me to send the additional {$250.00}, therefore on XX/XX/XXXX I mailed the additional money via priority postage with a tracking number which was sent to Ocwen Loan Servicing Dallas Texas office location.
On XX/XX/XXXX I notice that the check was not process as yet and I decided to track the letter I sent with the check and it stated that the letter arrived on XX/XX/XXXX. However, I called Ocwen Loan Servicing to inquire about the additional funds that is needed for my escrow account ; I spoke with XXXX at Ex XXXX and was told upon further research he did not see where the funds were process to the escrow account but should give him 24 to 48 hours get to the bottom of whats going on. I did not hear back from XXXX in time so, I called him and left him a message regarding my escrow account.
I decided to call back Ocwen once again and was transfer over to XXXX at Ex XXXX after explain to her what is going on, she did some checking and did not see any new updates no my account and ask me to give her chance to get to find out what is going on and why the payment has not process as yet and to further give her until XX/XX/XXXX to get back to me.
I have not heard back from Ocwen regarding this very important matter and it make me nervous about the situation and have me wondering if some nefarious afoot, I am sorry but I cant help myself for thinking that way about the entire situation.
Hence, as of XX/XX/XXXX I have check my bank and the funds is still in my checking account and has not been process by Ocwen Loan Surviving as yet. So, I decide to file this complaint against Ocwen.
Thank you for your attention toward this very important matter and I truly appreciate your help.
Sincerely, XXXX XXXX PS : Attachment 1 tracking # XXXX USPS Attachment 2 Ocwen documents.
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| 11/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
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My husband and I are trying to refinance our house. Ocwen is our 80 % mortgage holder and they are not reporting our monthly payments to the credit bureaus. We tried to refinance with a mortgage broker and when she ran our credit Ocwen a showing as a close the account ( See example A ). She told us this is affecting our credit score and in turn we can not refinance. I contacted Ocwen 's resolution department to discuss this matter, they told me they are reporting our monthly payments to all XXXX credit bureaus XXXX, XXXX, XXXX, and XXXX as current and that I could contact the credit bureaus to confirm. When I contacted all XXXX credit bureaus to confirm our account is being reported as current they told me Ocwen is not showing on our credit. We have a high interest rate as well as it is a fluctuating interest rate with Ocwen. They will not let us refinance with them and we are unable to refinance with another company due to our credit score because of Ocwen 's lack of reporting. Ocwen 's resolution department sent me a response letter stating that they are reporting to the credit bureaus. And when I spoke with the credit bureaus individually I was told Ocwen is not showing at all on our credit report. Ocwen is still refusing to fix this because they say they are currently reporting our account as current. Since claiming bankruptcy in 2008 we have never made a late payment to Ocwen or our previous mortgage servicers. Since informing Ocwen we were speaking to other mortgage brokers about refinancing we have started to receive phone calls from a man named XXXX XXXX claiming he is from the Federal Government Mortgage Relief Program and that he can reduce our principal balance by {$45000.00} bringing are principal and interest payment to {$540.00} with a fixed interest rate of 1.6 % and he tells me that only he can talk to Ocwen to make these numbers official. But he does n't realize that when he called the XXXX to time the number on my caller ID showed up as a number I was given by an Ocwen employee as a number I could call Ocwen to check the status of the issue with our credit report. Can someone please help us we currently own more on our house then it 's worth we have never refinanced or remortgaged or borrowed against our house and just want to be able to afford our monthly mortgage payments and right now with our taxes and insurance we are paying about {$1800.00} monthly we are drowning.
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| 09/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ).
When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX
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| 05/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017. It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.
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| 06/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled.
I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy.
I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment.
On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}.
I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015.
OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property.
I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number.
OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default.
Your assistance is greatly appreciated.
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| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX
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| 07/24/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I have been dealing with Ocwen Loan services for some time now, I originally had issues in XXXX when I had to try and secure a modification. I applied for a government HAMP modification and was denied 3 times with a reason of Ocwen stating that they couldn't prove that I lived at the property however they never sent anyone to verify. I was inclined to take one of their modifications that completely changed my mortgage terms. We have had 3 modifications with them over the years. The most recent in XXXX, I was asked to make payments on time at my regular rate for 5 months in which I did. The modification was completed in XXXX of XXXX. I continued paying at the same payment rate every month following with an escrow account in tact that was for my property taxes and my insurance that I had had for 15+ years. XXXX of XXXX I was contacted by the XXXX XXXX XXXX office that I owed for my property taxes and my Insurance company cancelled my home owners insurance due to non payment. I was unable to reinstate the Insurance or obtain Insurance through another company on my own. I was told that the servicer I had been transferred to PHH Mortgage Services was a partner of Ocwen and I was 2 months behind on my mortgage and they didnt have any record of my escrow account because Ocwen hadn't sent all of my loan documents to them at that point, yet I was still making the same payment with the escrow included. I was told I missed XXXX and XXXX payments in which I hadn't because I also purchased a car that year in XXXX. I was forced to pay a reinstatement fee on my loan of around XXXX and after doing so I was still 2 months behind and cant catch up. They then took out their own insurance on the property. In XX/XX/XXXX I had a tree fall on my house, I removed it myself and had heavy damage to the roof and back porch areas. I paid for materials to shore it up, the insurance adjuster came out and promptly sent me a check for the damages for XXXX, it was made out to me and PHH Mortgage. I called several contractors to estimate the job of repairs and none would touch it because PHH was holding the money and wanted to do a monitored release of funds. I have found a contractor however the paperwork trail is very extensive and they wont release the funds that they have already deposited into their account, I still do not have the repairs made on my roof because of the process they are using to get the funds.
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| 10/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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My mortgage company paid the previous owner 's home taxes using money from my escrow account and hasn't refunded me yet.
The first installment of the XXXX property tax, the county didn't mail it that time, then they put XXXX full year property tax for one bill at XXXX, XXXX.
At XX/XX/XXXX, the unit was sold to me. When the mortgage company account department paid the borrower 's first property bill, they didn't think about it and confirmed the borrower 's first tax liability, even though that tax bill is not under the current borrower 's name. They just directly used the new owner 's ( borrower ) escrow account to pay the full year 's property tax {$4500.00}, including the previous owner 's tax liability ( XX/XX/XXXX to XX/XX/XXXX ) {$2500.00} ( this amount was paid incorrectly, which needs be refunded to the borrower ASAP ). PHH just needs to be responsible to the borrower, not anyone else, just needs to pay the borrower 's tax liability on time not the previous owner.
PHH claimed that they needed to pay the borrower 's property tax liability on time, but that previous period for tax liability should have never fallen on me.
PHH needs to send a note to the borrower, because the tax payer 's name is total different.
PHH sent us a letter before after we complained about this and I received this response : *** " As we paid taxes for the incorrect parcel number ( XXXX ) for XX/XX/XXXX (? ), in the amount of {$4500.00} and XX/XX/XXXX, in the amount of {$2500.00}, a tax refund of {$7100.00} has been approved and was applied to the escrow account, which can not change the fact that using the new owner 's money pay previous owner 's tax lability. '' Does that mean our XXXX and XXXX first installment property tax weren't paid? Where is that tax refund? It's not showing up in the ( my ) borrower 's account.
In our records, PHH sent by mail, the XXXX property tax bill sent by XX/XX/XXXX first installment sent by XX/XX/XXXX. That payment information on XXXX XXXX XXXX website.
Actually, PHH paid the XXXX property taxes and did not any refund to the borrower 's escrow account. I went to the county tax office at XXXX, XXXX to confirm it all.
We require a refund {$2500.00}, the first 6 months tax payment for XXXX, which PHH used our escrow account to pay previous owner 's tax liability. I have continued to try and reach out about this issue but they have stopped responding to me.
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| 08/18/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I genuinely believe that PHH Mortgage 's call center representatives have many times provided me with incorrect information, which has led to my current predicament. In 2011, my late mother suffered a XXXX that prevented her from continuing to make mortgage payments. Since then, I've moved in and taken on the responsibility of contributing to the monthly payments. Unfortunately, when the COVID-19 pandemic hit, I lost my job, making it impossible to sustain the payments.
Having a power of attorney, I began collaborating with PHH Mortgage to secure a modification. This process has extended over two years, involving numerous interactions with the call center and different representatives, each yielding varying answers. There have been instances where I couldn't verify my identity to discuss the modification, necessitating callbacks to rectify the situation. Strangely, another representative would then successfully verify me.
Although a specific representative was assigned to my case, I've been unable to communicate with them throughout the process. Subsequent calls from or to PHH Mortgage would connect me with different representatives, some of whom seemed unfamiliar with how to proceed with my case.
I never fathomed that my loan would reach its current dire state. I was genuinely led to believe that a modification was in the works. After submitting requested documents and receiving confirmation of their sufficiency, I later learned from another representative that some documents were still missing.
I was once informed by a representative that a resolution had been reached and that I would receive a call to discuss the details. Regrettably, that call never materialized. Upon revisiting the matter with another representative, I was disheartened to be informed that no resolution had been established for my case.
The most devastating revelation came from a company representative who informed me that my loan didn't qualify for a modification from the outset. They shared that the property was moving toward pre-foreclosure. According to them, the sole solution to avoid losing our home is to make a lump-sum payment for the past two years.
This situation has left me disillusioned, misled, and deeply troubled to face my family. The prospect of returning to work in XXXX offers some hope. As a member of XXXX XXXX, I'll be able to earn sufficient income to bring the mortgage current.
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| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am sorry to bother you again, but I cant understand why PHH mortgage XXXX can't give me a payment deferral plan as I see it is being offered at this time.
I have lived in my home for for 27+ years. My demise began as a result of a work related injury at XXXX XXXX ( my employer since 1986 ). I very much wanted to return to work post- surgeries and retire with my peers to include my earned travel benefits But.XXXX XXXX XXXX XXXX has been difficult to say the least- 3 claim closures which were won in appeals court, 2 XXXX later and currently waiting for nearly 4years for the approval of the final XXXX ( approved already at the beginning of my claim ) leaves me now, a XXXX XXXX XXXX single woman struggling to make ends meet.
I did try a modification several Yeats ago, but at that time, XXXX XXXX XXXX closed my claim and I wasnt able to keep up. Since then, I have modified my home and now have rental units which give me significant income. I've tried sending Mtg. payments which were returned and I have applied for modifications again but was either denied and/or I received no response.
I watch others receive Unemployment compensation regardless if they've ever had a job, people get rental assistance and housing is being built for the homeless people as I sit here and watch all my life 's hard efforts get taken away from me due to medical reasons. It's just not right! With that being said, the 2 issues I am asking you to help me with are 1 ) Negotiate extreme penalty amounts with PHH Mortgage.
2 ) Help me request a Deferred payment plan. If I could just continue with my original loan amount with the amount of arrears put to the end of the loan, I am confidant that I can make the payments on time, every month. Whereas a refinance with a huge payment would be a struggle.
A deferral of my past due amount to the end of my loan would put an end to my ongoing mortgage issues. Please, can you advise me on how to get this deferral program? I have read that it is being offered to others - Why can't it be offered to me?
My income has sustained thru my rental units along with SSI checks that i just recently started getting.
I also look forward to my pension from XXXX XXXX.
I have considered hiring an Attorney to help me with my Mortgage issues but hoping I don't have to.
I just don't know what I would do if my home is foreclosed on. The cost of housing is so high.
Please, can you help?
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| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I currently am In a repayment program with PHH Mtg services. I have been trying to get in touch with PHH for 16 days now. I keep getting a message saying " Due to unforseen circumstances we are unable to take your call at this time. The one time I did get through I stayed on hold for 69 mins before it sounded like it was transferring to a person and hung up. I can not get on to their website because I currently am in a modification that Im not satified with. When you go onto their website it says " Please contact support, your account status is limiting you to certain information ''. This is unacceptable firstly because we started this process in XXXX XXXX. I made two payments, {$1400.00} and {$180.00}. which brought the total to {$1600.00}. The Mtg payment was {$1600.00}, I paid this because the customer service agent that I spoke to on XX/XX/XXXX told me that this is what I owed. In XXXX my Relationship counselor XXXX called me and told me that the modification was denied due to me making 2 payment instead of one and that I did not make the correct payment. I asked to speak to the supervisor of which I was not afforded the opportunity, instead they told me that they would give it to the research department for further research. The next information I got was a new modification that was {$200.00} more claiming that I had to take it because of the computer error, and that they couldn't reverse anything because everything is done by computer. I told them that I would be struggling to pay that but they said it was the only option I had. So made the first payment on XX/XX/XXXX, and have been trying to make the second payment everyday since XX/XX/XXXX. Today is the last day of the month to pay and I am still getting the error message that I have mentioned above. I do I take care of a situation that they wronged when ( 1 ) I have limited access to my mtg account and ( 2 ) they won't answer the phone. To make things worse, they are reporting that I have a balance of {$300000.00}, and that they have had my account since XXXX which by law under they FCRA they have to remove if they are erroneously reporting. Please help all I want to do is make my payment and also have my credit report corrected. Furthermore, this account was sold to this company with wrong information given, and when I requested what they have proving that I owe as much as they say I do they can't provide the information
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| 12/22/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.
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| 04/27/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Years ago, my mortgage was sold to Ocwen Loan Servicing , LLC . On XXXX XXXX, 2014, I received an official letter from Ocwen Loan Servicing , LLC confirming my successful enrollment in its Automatic Clearing House ( ACH ) program. This letter was in response to recent efforts intended to ensure payment of my monthly mortgage while I was on international travel beginning XXXX XXXX, 2014, and without access to regular mail or telecommunications.
Upon my return to California on XXXX XXXX, 2014, I checked my credit score using the mobile application " XXXX XXXX '' as I regularly do. It was then discovered that my credit score had dropped significantly. Further investigation resulted in the following discovery : Immediately, I contacted the company to resolve the issue. After literally hours of miscommunication and misunderstanding with the company 's horrendous XXXX-based call center, it was discovered that, contrary to what was stated in their official letter written to me, Ocwen Loan Servicing , LLC had failed to enroll me in their ACH program. It was also discovered that the company had failed to notify me of this failure. It was admitted that the company had made no attempt to notify me of the failure by regular mail, electronic mail, or telephone. Fully admitting their blunder, Ocwen Loan Servicing , LLC agreed to wave all associated late fees. Further representing my level of responsibility and good faith, I then paid the entire remaining three-month balance in full during the same conversation.
Still, somehow, this catastrophic malpractice resulted in the reporting of a 60 day late-payment notice to the XXXX major credit bureaus. I pleaded with Ocwen to contact the XXXX major credit bureaus and remove the unjust blemish from my credit score. I was told to submit a case to their credit reporting department, which I did. This process was painfully inefficient and wildly confusing. Two-weeks later, I finally received a thick packet of fine print ultimately explaining that Ocwen was refusing to remove the credit blemish.
It is unjust that XXXX be subject to the incompetence and deceit of a company for which they had no choice of the matter. This is especially true when concerning a repulsive and scandalous company like Ocwen Loan Servicing, which has been subject to XXXX dollars in fines as the result of multiple lost lawsuits for blatantly lying to and deceiving the public.
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| 06/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is response to complaint XXXX about OCWEN LOAN SERVICING LLC. Their actions in the matter are reprehensible and I 'm pleading with the CFPB to intervene. No one should wait over six months for a determination on modification request. There process was errant and irresponsible. I have been trying to rectify this matter for months. They made a swift determination that they could not help me shortly after my first complaint was filed. My response to the initial Ocwen reply : After initial unemployment modification ended in XXXX XXXX. Ocwen was notified that I was still unemployed. They took close to 8 months to make a determination on the new modification request. A process which they recommended I follow. This is a long time to claim system errors. They repeatedly asked for the same paperwork that we complied with multiple times. Once I became employed in XXXX XXXX, they repeatedly declined my offer to make payments or establish a different payment plan. Also, the sent me documentation stating that I can bring the loan current for approximately {$17000.00}. On the phone, the relationship manager will only accept {$39000.00}. These types of contradictions have been prevalent throughout their period of servicing the loan. Another example -Throughout their period of servicing my loan they have stated three different loan owners ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have personally contacted all of these banks and none claim responsibility as property listed as owners. They recently sent a letter stating that they could not find another modification because the plans they were researching all expired on XXXX XXXX XXXX. If they knew 6 months ago then why was I not informed immediately so we could discuss other options. I could have been making payment since XXXX to reduce the burden and comply with repayment requests. Now, their only recommendations are a short sale or deed in lieu of foreclosure. They purposely and maliciously extended the process to create the current situation. Again, I 've been able to make payments since XXXX, Ocwen repeatedly declined and told me to wait the for modification process to be completed. They knew from practically day one that the modifications they were researching we not available. Subsequently, after I filed my initial complaint with CFPB, my modification request went from " under review '' to " declined '' in a very brief period.
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| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In lat e XX/XX/XXXX , I applied for a loan modification wi th Ocwen Mortgage as m y family lost an income. I was behind in payments about 3 months but I offered to pay the amount in full during my modific ation application process. Ocwen advised they would my defaulted payments to the end of my mortgage so no need to pay anything at the time. Each time I applied and followed up with Ocwen, they were " missing '' something. I think the first time they were missing my income verification which I sent to them 3 times. My husband had monthly calls with Ocwen and was not advised of anything being a problem. However, during these calls, Ocwen would advise that my pending application had expired and I had to apply again. I applied 3 t imes and again, they were always missing something when my husband had his monthly call with them. I believe th e 2nd application was missing tax returns which I sent over multiple times. Every time we spoke with Ocwen, they advised my modification was under review. In XX/XX/XXXX , the new owner of my house that was foreclosed on and sold at auction showed up at my front door. I called Ocwen and asked why we were n't notified that we entered into foreclosure the 20 times we talked with them. They did n't have an answer. I believe they sent a certified letter about a month before but I never signed for it. My mother, who lives with me and has XXXX , may have signed and k ept the letter but we never did find it even when I had to vacate my mother, mother in law and XXXX children. Every time my husband spoke wit h Ocwen, he asked about foreclosure and he was advised we were NOT being foreclosed on and they would give us plenty of notice. Again, I offered to pay what I owed in arrears b ut Ocwen sugge sted each time that they prefer to add what I owed to the end of the mortgage. Not only did I lose my equity in a house I owned for 13 years but I no longer have an impeccable credit history. Fortunately, I found a landlord willing to take a chance on me and live in a very nice home with my children and mother. In fact, my landlord asked if I would please renew my lease as he wishes all his tenants were like me. I only mention this because I went through such an ord eal with Ocwen and feel like I was blatantly lied to every time I talked to them. The emotional toll this has taken on my family is beyond measurable. Thank you, XXXX XXXX XXXX
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| 10/04/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
|
Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.
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| 11/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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Web |
Older American, Servicemember |
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We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry.
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted.
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head.
The title company and bank should be held acvountable for their illegal banking practices.
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| 08/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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I am the attorney representing XXXX XXXX XXXX in her modification and assumption applications with Ocwen. XXXX ex-husband, XXXX XXXX, has executed a quit claim deed transferring title to XXXX. Additionally, XXXX was awarded the house in the divorce decree. Furthermore, XXXX executed a written authorization giving me permission to speak with Ocwen about their file to help assist XXXX with the modification and assumption. All of these documents have been submitted to Ocwen. XXXX and XXXX both wish XXXX to obtain an affordable loan modification and get the home loan transferred into XXXX separate name. XXXX appears to qualify for an affordable loan modification. I talked with Ocwen representative, XXXX, on XXXX/XXXX/15 and his supervisor, XXXX on XXXX/XXXX/15. Neither were helpful. Representative, XXXX, ID XXXX was rude and had no consideration of the fact that proper documentation had already been sent it in and that the borrowers have been caught in this unfortunate situation for an unnecessarily long time due to Ocwen 's dysfunction. Furthermore, supervisor XXXX was unable to offer any helpful solutions other than to say that XXXX is not listed as a borrower on the account and therefore she can not apply for a modification or assumption until the account has been brought current. Essentially, Ocwen is saying that XXXX has no loss mitigation options available to her. I do n't know why they ca n't see my authorization, or proper documentation giving XXXX borrower status on the account, but I want it fixed immediately, and I want to be able to effectively communicate with Ocwen so all parties involved can move forward towards a mutually beneficial home-retention resolution that avoids unnecessary foreclosure. Ocwen 's staff repeatedly confuses the situation, fails to understand the status of the file, and in my opinion has proven to be negligent and completely incompetent. Supervisor XXXX stated position that XXXX needs to bring the account current before she can apply for a modification or assumption is incorrect and unnecessarily prohibits loss mitigation. Ocwen should be held accountable to applicable guidelines - HAMP, CFPB, XXXX all allow for this scenario of modification and assumption so that borrowers can avoid unnecessary foreclosure. Ocwen 's position discourages borrowers from saving their homes. This will continue to lead to wrongful foreclosures. This is unacceptable.
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| 05/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
|
I receiv ed a letter from Ocwen Loan Servicing LLC stating they charged me {$66.00} for inspection fees.
OCWEN has failed to properly service my loan from the time they took over servicing from XXXX in XXXX 2013 . From da y ONE they have had problems and have failed to acknowledge the errors in a timely manner.
They have falsely applied charges to my account and have not properly adjusted the balance once the errors were reported.
I called them many times and explain to them base on my Original Note, the only time Ocwen can charge me inspection fee is if I defaulted on the loan. ( Please see attach document item 14 page 13 ). It states : 14.Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers default, for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then : ( a ) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( b ) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge ( whether or not a prepayment charge is provided for under the Note ). Borrowers acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge I asked them many times if I ever default on my loan? They answered no so in that case they do not have any right to charge me inspection fees. I called XXXX XXXX at XXXX twice and left a message.
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| 11/29/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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We have a mortgage with Ocwen, XXXX, FL XXXXXXXXThe property is at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXAccount number XXXXIn XXXX 2011 we found that we could no longer afford the house. Because we both have bad health our son asked us to move closer to him, XXXX, XXXXWe put the house on the market with XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The house was being sold as a short sale. XXXX XXXX found an interested buyer with cash. The buyer agreed to all of the terms Ocwen requested. Ocwen proceeded to drag their feet and after many weeks went by the buyer went elsewhere.
After that point Ocwen told me that I had to have everything removed from the house, appliances, window treatments, everything down to the bare shell. I told them we could not afford the house and they should go ahead and foreclose, an empty house was not going to sell. When the buyer walked away so did our realtor, he said he could not deal with Ocwen anymore.
Since that time Ocwen has continued to call us numerous times a week, starting at XXXX and continuing until XXXX.
Every week we get numerous letters from them. They say we 're in foreclosure but continue to harass us. With continuing medical problems that both my husband and I have we ca n't stand the constant calls. We find it difficult to understand what they are saying and asked them not to call, just go ahead and foreclose. After that last conversation I had with them I have received a half a dozen phone calls in one week and numerous pieces of mail. Some of the mail says that I requested it, which is not true. This company ignored a buyer with cash, the only offer to buy on this house. Now they hound us daily.
If you can do anything to resolve this matter it would be greatly appreciated. If the house had gone through the short sale we would have received approximately {$2000.00}. I think that 's why Ocwen did not accept that sale. Then telling me everything had to be removed from the house, which I did. But I 've spoken with other people and they say they 've never heard of such a thing.
The price of the house keeps going up with them. A once {$35000.00} house they now want $ XXXXXXXXI think they are crooks, there was absolutely no reason for them to turn away from the cash that was offered, which was an amount they had set.
They keep saying it 's in foreclosure but they 're doing nothing but harass us.
Please help us.
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| 08/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.
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| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Ive had a problem with my mortgage company PHH mortgage services.
I have notified my mortgage provider that my bank accounts were compromised due to an illegal and unlawful intrusion into two of my banking checking accounts. This intrusion took place between XX/XX/2022 through to XX/XX/2022.
When I pay my payments, I set up an ACH or an automatic withdrawal from my account. This is how I pay my mortgage since origination. I always make online schedule payments to be paid to my account but in this particular situation, I requested payment to be made and those payments were canceled due to the fact that my bank without prior notification, closed any access to withdraw or deposit to this account due to the fact that there was an intrusion. My banks fraud department proceeded to investigate.
Fraud packets were sent to the credit card agency as well as my mortgage company. Also there was two letters from my bank taking ownership for prematurely do an emergency freeze of my accounts without prior notification. This action was historical to my account and was out of the ordinary if you look at my baking history.
I requested my mortgage company to update this information. And I sent in the documents that they requested so that they may review it. Before the documents could even be received by the mortgage company , the mortgage company responded back stating that the information was accurate. Without the documentation from the banks I find that very difficult to make this determination.
I also have an issue with the fact that this mortgage company servicer, stated that they received the documents even though they did not. This means that no investigation was conducted because there was no documentation received in order to review. Undoubtably this mortgage servicer did not complete a proper investigation into my request. The credit report Nac did not conduct a proper investigation if they did not have the documentation from the mortgage servicer to make a proper decision. These companies are just making decisions and not actually going through the actual process of review. This is unfair to every consumer who puts their faith in a mortgage service provider to do the right thing and to actually investigate and review request by the consumers. Falsifying information and stating that you did something when you didnt have the documentation to do it is of a gross negligence nature.
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| 10/30/2019 |
Yes |
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- Trouble during payment process
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Web |
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We have PHH Mortgage Company. We lost our home to the camp fire on XX/XX/XXXX. Our insurance company sent us a check in our name and the mortgage companies name. We signed it and sent it in to PHH Mortgage company in XX/XX/XXXX. We continued to make payments throughXX/XX/XXXX. In XX/XX/XXXX we asked PHH Mortgage to take those funds and pay off the mortgage. The insurance company based rhe payment amount on the payoff statement PHH Mortgage company sent to us. I was told by PHH Mortgage company that the process was going to be started. In late XXXX I was called by PHH Mortgage inquiring about our mortgage payment. It was then that I found out they didn't pay off the loan. I was told that I was going to get a payoff statement. In early XXXX I was called again about missing mortgage payments. It was then that the process of signing an affidavit and sending it in was going to get the mortgage paid off. I was told that it was sent to me. I found it in the back of the last payoff statement. I signed it only to find on the next page sent it in.I needed to hsve it notarized. I called and had another affidavit sent to me. We had it notarized and sent it in. We were called again in XXXX for not paying our mortgage payment. It was then that I was told that the previous affidavit expired. I was sent yet another affidavit and we had it notarized again. This is XXXX. I had confirmation that it was received from the PHH Mortgage insurance department and that we needed to pay off the additional amount before the mortgage would be paid off. As I waited for yet the third affidavit I spoke to the PHH Mortgage insurance department who told me that the payoff amounts on the affidavits were wrong and that we didn't owe more than the insurance check that was sent in and placed in an escrow account back in XXXX. In fact the check was more than the payoff so we were sent the difference, a check for over 3k. I have spoke with PHH Mortgage Company several times who states that we need to sign another affidavit for the current payoff amount. We have been asking to speak with managers only to be told they are not available and will be called 24 to 48 hours. We spoje with a supervisor today who spoje in circles and did not honor our requests and told us that they only follow their current processes. HELP!!! Now they have threatened foreclosure on a house that no longer exists and have damaged our credit.
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| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
PHH Mortgage Corporation bought my mortgage from XXXX in XX/XX/XXXX. I make/pay my mortgage payment on the XX/XX/XXXX of each month using Bill Pay from Bank ( XXXX XXXX ), the payment is intended for the following month. For instance I paid the mortagage payment Due XX/XX/XXXX on XX/XX/XXXX. I called PHH in XX/XX/XXXX when I received notice from them that they would be taking over my mortgage and confirmed that they had received the XX/XX/XXXX payment from XXXX and that my next payment due was for XX/XX/XXXX. I made a payment via XXXX XXXX Bill Pay on XX/XX/2019 to PHH Mortgage for the XX/XX/XXXX Installment. I then made a payment via XXXX XXXX Bill Pay on XX/XX/2019 to PHH Mortgage for the XXXX Installment. I then went online in XXXX and noticed that neither payment had been received/posted. I called PHH Mortgage and they gave me numerous excuses about why payment had not been posted. They said I put the wrong company name on the payment and then later said it was because I had the wrong account number. They demanded proof of payment from me. I provided my bank statement from XXXX XXXX showing the ACH payments had been made to them. I even had a representative from XXXX XXXX call them. They finally posted my XX/XX/2019 payment however they are still refusing to post my XX/XX/2019 payment. My husband and I call every day and the only people we have been able to speak with are in XXXX. They speak very little English and they do not have a solution. On a call three weeks ago they finally told us that they had received our XX/XX/2019 payment but because " we put the incorrect account number on the ACH '' they posted the monies, totaling {$1600.00}, to another account. This was a closed account so they then sent a refund of {$1600.00} to that individual who used to have that account. We are now being told that until and unless those individual return those monies they can not and will not apply the funds to my account. I do not believe this is acceptable. I have a very high credit score and have NEVER missed a mortgage payment. This company is refusing to help and I can not speak with anyone with any kind of authority who can help get this resolved. To make matters worse I am in the process of selling my home and very shortly will be paying off this mortgage. I fear that if this doesn't get handled ASAP PHH will keep my {$1600.00} and I will be out the money. Please help!
|
| 09/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means.
3. There is NO WAY I can afford this payment.
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following.
7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ).
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION.
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do.
Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS.
As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE.
I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
|
| 12/02/2019 |
Yes |
|
- Trouble during payment process
|
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Web |
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|
I received a modification from Ocwen back in XX/XX/XXXX.The modification included monthly incentives which stated that client would receive {$83.00} reduction or the principal balance after each of the first through fifth anniversaries of the month in which the trial period plan is executed. I followed all instructions to receive the {$83.00} reduction and did not fall behind during this time restriction. When I realized that I did not receive the incentive, I contacted XXXX XXXX from HUD which supported me with an mediator to help comply with terms of the modification incentive. I spoke with the mediator over a few months and the mediator spoke with a representative from Ocwen which resulted in suggestion that ( HUD, FHA ) would hold back a payment to get them to comply. Nothing resulted from the situation with HUD or FHA that was trying to help the client with the situation. The next steps that was suggested to me is the UD Treasury and finding out what department handles the modification incentive agreements. I was sent a letter in XXXX from Ocwen stating the funds will be applied but there was no funds applied to my account. I was sent letters to meet with them on several occasions but I did not see the fruitfulness in meeting with them in lieu of payments due. I contacted two State Rep offices to see if I could be assisted with this matter and I was told I need to find out what department handles this matter in the US Treasury. I am now in the pre-foreclosure stage with PHH Mortgage which is now handling Ocwen accounts. I do not want to modify with the fact that the mortgage company owe me money which I haven't received yet.
Additionally the trial payment lasted for a year which is arduous. I originally had a 9 % interest rate when I received the modification the interest was reduced to 4.5 % for 30 years which I did not want however I was told by a counselor to sign the modification in order for me to save my home. I was not given the option to appeal the decision. I am now applying for a modification and would like to understand why was the modification recorded 3 years later with the incentive documents missing. I have the original modification paperwork in my email which came from XXXX XXXX which is an Ocwen associate. I am attaching my document I received orginally and the document that Ocwen recorded on XX/XX/XXXX with the missing incentive documents missing.
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
This complaint is against PHH Mortgage Services and its parent company, Ocwen Financial Corporation.
In XX/XX/XXXX, a burst water pipe caused over {$100000.00} of damage to my home.
My insurance company doesnt pay for all of the damages at once. They release claim funds in chunks.
PHH Mortgage, as the lienholder, is required to be a party to the claim checks issued by the insurance company.
For reasons that no one at PHH can explain, they are holding funds that have already been approved and released by the insurance company.
XXXX XXXX has released 66 % of the funds. PHH has only released 42 % to me.
PHH will not release any additional funds until my repairs are 80 % completed.
No one at PHH can explain to me how I will be able to achieve 80 % completion with only 42 % of the money. Their only response is thats our process and we can not deviate from it. Every person I have spoken to says this.
We have been living without a kitchen since XXXX, and more than 50 % of our main floor was damaged.
PHH has an endless call center approach to customer service. There is only one number available for discussing insurance claim checks. You can not escape the call center, and they all read from the same script.
PHHs website only has one toll-free number ( which also goes to a call center ). When I call that number, they transfer me to the same claim call center.
PHH does not publicly list any names of the management team, or the names of anyone at their company, on their website. It is impossible to locate a reasonable human being that is willing to discuss the issue.
The one name I could find elsewhere belongs to the CEO. I sent a letter and full documentation to PHH CEO XXXX XXXX on XX/XX/XXXX. He chose not to respond, or to have anyone else respond directly to me. Instead, I received a form letter which said that it will take 30 days to get a response from the claims department. No one in the claims department has the authority to resolve this matter.
If my own mortgage company wasnt involved, we would have a family Thanksgiving in our own home. Because of PHH, we probably wont even be able to finish repairs before XXXX. It appears that they prefer we live in a damaged home indefinitely.
PHH apparently only wants to communicate by either a call center outside the US, or by snail mail, which continues to lengthen the amount of time we are living in a damaged home.
|
| 02/22/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
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|
Web |
|
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My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.
|
| 01/04/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
PHH Mortgage currently holds the debt for a property that is in a trust. The sales agreement for this property was signed on XX/XX/XXXX and is due to sell on XX/XX/XXXX.
Item # 1 : PHH refuses to acknowledge or communicate with our realtor even though we have directed PHH in twice writing to do so and have provided all the information necessary to establish this line of communication.
Item # 2 : PHH claims that they can not " locate our account '' - whatever that means- even though PHH provides us with monthly statements regarding the account. How can this be?
Item # 3 : PHH continually communicates with us from a different office location even though they identified a single point of contact in the early stages of communication regarding the property and the loan.
Chronology of Events : XXXX : Property Owner dies XXXX : Trustees send death certificate to PHH.
XXXX : PHH sends a default demand letter requiring the trustees for the property to submit the information required by PHH.
XXXX : Trustees respond in writing sent by certified mail and include all contact information for our realtor who is under contract via a listing agreement as of XXXX.
XXXX @ XXXXXXXX XXXX : PHH receives letter sent on XXXX XXXX : PHH sends letter extending foreclosure date to XXXX and claims that PHH still does not have authorization to communicate with our realtor. Letter sent from offices in Florida references all the correct account information for the loan.
XXXX : PHH mails a statement ending XXXX XXXX for the account XXXX : Trustees receive a written statement ending XXXX.
XXXX : Trustees receive the PHH letter dated XXXX and write a letter that is sent by email on that day which authorizes XXXX XXXX to act on our behalf and directs PHH to communicate with her directly. PHH fails to acknowledge receipt of the email.
XXXX : Trustees re-send the letter dated XXXX to PHH via express mail with delivery confirmation.
XXXX : PHH mails a letter to the trustees from a New Jersey office claiming that they are unable to locate the account with the information provided. What locate means is unclear. Why the New Jersey office does not communicate with the Florida office is unclear. Why PHH is still communicating with the trustees when PHH has been notified twice already to communicate directly with our realtor is unclear.
XXXX : Trustees receive the XXXX letter and file CFPB complaint
|
| 05/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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I am Owner of a Unit at the XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX since XXXX. Our XXXX XXXX have every year renewed the corresponding XXXX XXXX Policy on time. Since XXXX thru XXXX I have been paying my monthly mortgage to different Lenders without any inconvenience. Ocwen Loan Servicing , LLC, located at XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX, my current Mortgage Lender over 4 years, after GMAC was on Bankruptcy, demanded on XXXX that my Unit was not covered for any Property Insurance Policy, which was refused & we provided our XXXX Master Policy effective since XXXX - XXXX. Later on XXXX, Ocwen again sent to me different letters ( attached to this Claim ) regarding the same issue and for a forced placed Insurance Policy interior improvements coverage for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I provided copies of our Condo Master Policy and Certificate of Liability effective XXXX - XXXX from the corresponding Underwriter Insurance Company. We explained my Mortgage was refinance on XXXX and I have no obligation of any additional property coverage other than our Condo Master Policy. Interior coverage is just an option for Home Owners, not an obligation, according to our Condo Master Policy and my Mortgage content. Any previous Lender, nor Ocwen at the beginning of receiving my monthly payments, never requested additional interior property insurance, until XXXX. Every time we tried to contact Ocwen Customer Services ( XXXX or XXXX ), always a foreign representative from XXXX, XXXX, XXXX, XXXX, just had responded to me my obligation about the Insurance Policy. Finally, Ocwen on XXXX/XXXX/XXXX, illegally deducted from my Escrow Account the amount of {$1600.00}, which currently is in negative balance so, I demanded to have my records with Ocwen CORRECTED and have de insurance REMOVED, because I do not owe for the forced placed Insurance Policy No. XXXX, XXXX XXXX. XXXX with XXXX XXXX XXXX COMPANY forced and illegally imposed by Ocwen on XXXX/XXXX/XXXX. As I have not been able to resolve this problem by my self, I requested legal services thru an XXXX Law, who has sent several demand letters and Ocwen just has responded requesting additional time, which has been expired without any response. Now, I have found this additional legal resource in order to be investigated this issue because I have found online other complaints against Ocwen ( XXXX ) for Rip-off reports.
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| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is an additional complaint, about a continued failure of PHH to comply with Federal law and pay a delinquent tax bill on a property that they service the mortgage for. Consult the first complaint for the circumstances that led to there being a delinquent tax bill.
This complaint is a separate, second issue, which is that once I notified PHH of their previous failure, they have continued to fail to correct the action by paying the bill. I first notified them on XX/XX/XXXX through their website. Then as of early XXXX I started routine phone calls with " escalation managers '' who are utterly incapable, unempowered, to do anything about the problem. They say that they have passed along the problem to the tax department, but they refuse to put me in touch with that department.
As is stated on the delinquent bill, and as I have stated with every conversation with PHH, if the bill was not paid by XX/XX/28, the county would be advertising my name in the newspaper as a delinquent tax payer, and charging me a fee to do that.
Being that such action would cause irreparable harm to my reputation, beyond the harm already caused by having my bill marked as delinquent in a public-facing search, I elected to pay the bill and the late charges out of pocket to prevent the advertisement. I have not notified PHH of this action, because I'm curious to see how long it takes for them to get around to fixing the problem that they have created. When I spoke with the supervisor of the escalation managers, after the XX/XX/28 final due date, she said " be assured, it will be taken care of. '' Taken care of? If the bill wasn't paid as of then, it was already about as not taken care of as was possible. Clearly PHH is perfectly fine with my name being advertised in the newspaper as a delinquent. If this had played out, I would have been happy to sue them for this, which would have changed absolutely nothing but would have wasted plenty of my time and their money.
As of now PHH continues to delay and take no action, perhaps up until the point of the county foreclosing on the property and selling our home, all because of PHH 's inaction despite repeated calls, a Notice of Error, and the previous CFPB complaint. Meanwhile all I get from them is letters that say they need more time to investigate. There is no more time! These proceedings have deadlines, and those deadlines have passed.
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| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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During this Pandemic, I received help doing deferred payments since XX/XX/XXXX, I was told my payments were being placed at the end of my loan I notice my balance was increased by the deferred payments notified the mortgage company I was ready to resume payments in XXXX. They told me I was being placed on a trial period for the months of XXXX, XXXX, and XXXX. I completed the payments and continue to make my payments. After that, they completed a Modification in which there was a clause saying i had a Ballon mortgage for XXXX at the end of my loan. I refused to sign that modification because they could not and have not told me what it was. Nothing as far as my Term or rate of 2 % was not supposed to change, I received that rate during a program that XXXX XXXX ordered from the mortgage companies to do so people can remain in their homes I was not behind that was around XXXX. I got a call from PHH mortgage saying I had a ballon then so I asked for a copy of the documents indicating that information I still have not received any information on both Ballon information for my mortgage. When I went thru the program I know I did not have a ballon that was the reason why he ordered them to not do that when they modified my term and rate and payments nothing else was supposed to change not once on my monthly statements it indicated I had a Ballon payment every time they called to follow up nothing was clearly explained to me I know I did not have a Ballon before I received help due to the pandemic. I also submitted my application for The Mortage help they did not process my paperwork to forward to the agency which was gon na help with my deferred payments. About two weeks ago I spoke to a representative and she said she was sending me information showing I already had a ballon i still have not received that information by email or mail they can't explain exactly why I'm in a ballon, With the mortgage, i have after all payments of 30 years my home would be paid in full I have completed 15 years of my mortgage never missed payments until the pandemic hit, I need documents explaining these Balloon payments they are putting me in a position to lose my home further down the road with these ballons i would have never signed a mortgage that said Ballon I'm a retired banker and know and understand what could happen with a Ballon I would like the documents proving i was in a Ballon.
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| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My issue is described below in the letter that I have mailed to PHH Mortgage Services. The letter reads as follows : To Whom It May Concern, My mortgage loan was recently picked up my PHH Mortgage Services. I created an online account XXXX of XXXX and began paying my mortgage online via your website. I successfully made my XXXX and XXXX payment of XXXX.
Today, XX/XX/XXXX, I logged onto my PHH Mortgage account and noticed that my XXXX payment had not yet been made. I tried to make an online payment, but your website stated that I could not make a payment at this time and I must call your customer service center for more information. I then placed a call to your customer service center as directed by your website.
Your customer service representative, XXXX ID # XXXX, informed me that I could not make online or over the phone payments as an Amendment must first be signed and returned. She informed that that this Amendment is required to be signed by a new State Law. She was unable to state what new state law required this.
I then asked why I was not informed of this change sooner and given the appropriate amount of time to sign the amendment and return before I would be locked out of paying my mortgage via online payment. She again was unable to answer my questions. She has assured me that no late payment fee would be applied for the month of XXXX, XXXX while the Amendment was being mailed to my residence which was not mailed until today.
I am extremely upset with this process that PHH Mortgage has implemented. If I would have not logged onto my account, I would have assumed that my autopayment would have processed and never known that my XXXX mortgage payment was not paid. I am sure PHH Mortgage would then apply a late fee and report it to the credit bureau where it would have adversely affected my credit score.
PHH Mortgage should have sent a notification to all of its customers of this change months in advance. I can only imagine how many others are experiencing this same problem and will miss their payment.
I am requesting a phone call with a PHH Mortgage representative who has the power and authority to discuss this issue and make it right not only for myself but all of your customers. I can be reached by email at XXXX and by cell at XXXX. A copy of this letter will be sent to the Consumer Financial Protection Bureau and an official complaint filed.
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| 07/25/2023 |
Yes |
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- Trouble during payment process
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Web |
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I made an FHA loan through XXXX XXXX on XX/XX/XXXX. XXXX XXXX had sent me a notice dated XX/XX/XXXX indicating that the servicing of my mortgage loan is being transferred from XXXX XXXX to PHH Mortgage Services effective XX/XX/XXXX.
I had made two mortgage payments to XXXX XXXX. I had made one payment of {$2700.00} on XX/XX/XXXX for the XXXX due date and a second payment of {$2700.00} on XX/XX/XXXX for the XXXX due date. However, XXXXXXXX XXXX had only wired one of these payments to PHH on XX/XX/XXXX and received by PHH on XX/XX/XXXX.
A rep from XXXXXXXX XXXX had indicated that they had only sent one payment over to PHH because XXXXXXXX XXXX 's records have an effective transfer date of XX/XX/XXXX with the " paid to date '' of XX/XX/XXXX. The representative had indicated that the first payment of {$2700.00} on XX/XX/XXXX for the XXXX XXXX date was applied to the principal prior to transferring the servicing to PHH. The XXXXXXXX XXXX rep had provided this explanation via phone and emailed the transaction history on XX/XX/XXXX.
PHH mortgage services have billed me for both XXXX and XX/XX/XXXX. On XX/XX/XXXX, I had sent a descriptive email of the issue to PHH, including the documents that were provided by XXXXXXXX XXXX
I had made many phone calls to XXXX throughout XXXX and XXXX for a response and offer to support a resolution, but I did not receive a response until XX/XX/XXXX. PHH provided their transaction history which has a transaction date of XX/XX/XXXX with their initial principal amount received of {$320000.00} from XXXX XXXX. This principal amount is the original loan amount and does not have the first payment applied. XXXXXXXX XXXX 's records indicate that they transferred the service with a principal of {$320000.00}, which does have the first payment applied.
Both banks have provided to me their own transaction history records. However, XXXX XXXX has an effective date of XX/XX/XXXX and PHH Mortgage services appears to have an effective date of XX/XX/XXXX.
I have provided to PHH mortgage services the XXXX transaction records. I have also provided to XXXX XXXX the PHH mortgage services transaction records and response. I have not received a resolution from either bank, despite reaching out to both banks and providing all documents that were provided to me.
Resolving this issue should be with representatives directly between the two banks.
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| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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PHH Mortgage acquired my mortgage from XXXX Mortgage XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the PHH mortgage escalation department via email that showed a payment each month to PHH from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my XXXX mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed PHH of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by PHH mortgage and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at PHH and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and PHH would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXXPHH who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
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| 10/18/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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XX/XX/XXXX - I set up a 3 month payment plan to bring my 2nd mortgage current. It consisted of 3 consecutive payment to be made in XXXX, XXXX, & XX/XX/XXXX. After making the XX/XX/XXXX payment my account would be current with the next payment due by XX/XX/XXXX.
~ between XX/XX/XXXX - XXXX - I received a statement from PHH stating that I owed {$410.00} ( current mortgage plus {$26.00} in late fees ) on XX/XX/XXXX. This made no sense to me since I had made my XX/XX/XXXX on XXXX which showed on my statement ; however, PHH failed to apply that payment appropriately.
- ~ XX/XX/XXXX - I spoke with XXXX ( id - XXXX ) who informed me that he would get the payment applied properly.
> XX/XX/XXXX - I received another bill from PHH stating that I was two months behind on my mortgage and owed {$790.00} by XX/XX/XXXX. This statement showed that the {$410.00} had been applied to the principal.
- I called PHH again and spoke with XXXX ( id - XXXX ) who informed me that she would get this fixed and reversed.
- XXXX - I called PHH and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. He put me on hold for 25 minutes and then somehow I was disconnected.
- XXXX - I called PHH back after the disconnect and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. She stated that XXXX had entered the wrong information and my payment was still not applied appropriately. She said she would request a reversal so that the funds would be applied correctly to my account.
XXXX - I called PHH again to follow-up on the reversal request - after being on hold for 30 minutes I finally spoke with Mahvette ( id-? ) who informed me that the reversal request was rejected with no reason given. She offered to transfer me to an Escalation Team Member - to take no longer than 7 minutes.
XXXX transferred me to XXXX ( id - XXXX ) who told me I needed to speak with an Escalation Manager. After being on hold for over 40 minutes, I was not able to speak to a manager. XXXX offered to have them call me back ( expected response time 24 - 48 hours ). I also requested the direct number to Escalation ( XXXX ) XXXX in case I wanted to call them myself instead of waiting. He apologized for the wait. He also checked on me periodically while I was on hold.
I have been trying to resolve this issue with PHH for over a month to no avail.
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| 06/21/2017 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Dealing with OCWEN is like an endless game of chess with masterminds when I am a rank beginner. This game has gone on for several years but I will single out the most recent demands : I was told that I owe in excess of {$9000.00} and I must come up with two down payments to remedy the situation -- the first amount being for {$4500.00} due on XX/XX/XXXX and, then another due on XX/XX/XXXX for {$2500.00}. Thereafter, until XX/XX/XXXX, I owe an additional {$500.00} on top of my monthly payment of {$1700.00}. If I am ONE day late, all bets are off and they will begin proceedings against me. I have sent money via XXXX because if I send a letter with the funds they always say that I have not sent them on time and charge me additional money. They blocked the XXXX account that I have always used at the same place with the same service manager who has always been able to send the money but this month was unable to do so. I then sent money orders totaling my monthly payment which they returned to me, stating they would need " payment in full '' or nothing. When I challenged the amount they were demanding, they came up with a date from several years ago during which time they said I failed to make my monthly payment. However, I was in bankruptcy court at the time and the US bankruptcy trustee was overseeing my payments. He would have pulled my Chapter XXXX bankruptcy protection as a result and I would have lost my home then and there. Payments are not posted accurately. " Relationship managers '' which you are assigned and who supposedly sign off on agreements are not there when you need them. After sending them the {$4500.00} they demanded, they called to tell me they needed an OK to post the funds. Despite the fact that I provided tracking numbers for both the post office and the XXXX, they tried to imply that I had not sent them on time even though I e-mailed them the tracking information for both overnight and same day transmission of funds which should have proved the funds were sent on time. I could go on for hours regarding the mountains of mail I receive, the demands and the egregiously fraudulent activity I have endured. I know others trying to manage similar situations, one of who is an XXXX year old lady who is XXXX XXXX and can not manage any of the unintelligible XXXX they constantly sling. Time to serve a cease and desist order on these despicable people.
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| 12/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Dear XXXX, In the last 9 years, my husband and I have tried to get a home modification loan on XXXX separate occasions. The first time was in 2011 when I was unemployed. At that time we were going on XXXX late payments and the loan servicing company ( IndyMac ) sent an intent to foreclose letter. We took out a loan via a family member to avoid foreclosure because I researched that other IndyMac customers had experienced that IndyMac would foreclose immediately and would never try to assist but hold up the loan modification paperwork. They had already sent someone to take pictures of our home so we knew it was only a matter of time before they would continue to the next step in the foreclosure process.
Currently, Ocwen is servicing the loan and again we applied for a loan modification but was denied. However, Ocwen recommended a short sale. We were informed that we were not delinquent although we communicated in an affidavit hardship letter what our fixed incomes would be when we retire and they continued to ask for more and more paperwork. We were trying to prevent a foreclosure or short sale so we were hoping they would refinance.
To date, we have invested XXXX of dollars in our home so we would like to keep our home as now our payments would be going more toward the principle and eventually we would be able to sell our home to at least break even and not damage our credit score. I find it extremely difficult to believe that there are no other options for individuals who could not obtain FHA loans before the housing market plummeted and were literally forced into high interest jumbo loans via XXXX and XXXX conventional/equity loans respectively. We are unable to refinance homes that are significantly under water yet the loan servicing companies have collected XXXX just in interest alone but encourage foreclose or short sale as only options, yet we have decent payment histories.
What are the options for individuals who are already living pay check to pay check because of these high interest jumbo loans on properties that are significantly underwater through no fault of their own? To continue to pay a loan for a home with a significantly diminished value or risk foreclosure or short sale and the home is resold to someone else for XXXX of your loan amount are all horrible options. We would appreciate your advisement and assistance to seek a fair resolution.
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| 12/09/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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The Complaint is against Ocwen Loan Servicing. Ocwen loan servicing is engaging in mortgage back securities to defraud investors which is a federal crime. Ocwen loan servicing fraudulently created mortgage back securities to defraud investors. Please see attached letter from Ocwen ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from Ocwen claiming they transferred dated XX/XX/XXXX to XXXX pass-through trust XXXX. The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX ( Years after the trust was closed ) Ocwen fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through trust XXXX see attached ( exhibit 3. ) Ocwen loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under XXXX XXXX as trustee in XXXX land Court bureau of conveyance. The consumer financial protection bureau and Securities and exchange commission should Immediately investigate Ocwen loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. If XXXX XXXX is trustee for the XXXX Passthrough trust XXXX then Ocwen loan servicing needs to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. I am asking the CFPB to immediately look into these fraudulent mortgage back securities that XXXX XXXX, Ocwen, XXXX XXXX XXXX and XXXX are engaging in. Im asking Ocwen loan servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee for the XXXX Passthrough trust XXXX as required by the pooling and servicing agreement. We have many unrecorded fraudulent assignments that Ocwen created to produce fraudulent mortgage backed securities with no clear title of the property. Ocwen loan servicing should stop creating unrecorded assignment of mortgages to engage in mortgage backed securities fraud which is a federal crime. I'm asking the CFPB or the proper entity ( Security and exchange commission ) to immediately investigate Ocwen loan servicing in their mortgage back securities fraud.
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| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I suffered a house fire. My house was a total loss. I wish to use the insurance settlement to pay the mortgage off and try to repair my home. I requested a Pay off Quote. I also submitted a settlement offer to PHH mortgage to settle the debt. I was told, " My settle offered had to be in writing and copy of the funds also needed to be submitted to verify I had the available funds to settle the mortgage debt. On XX/XX/XXXX, I submitted in writing a Settlement Offer for {$20000.00} along with a copy of the insurance check from my house fire claim. I was informed, PHH Mortgage was hiring an Appraiser to come and assess the property because my offer might be low balling them. After several weeks of waiting to hear from the Appraiser, I was told, " I didn't qualify because my mortgage was in good standing and they would not be sending an Appraiser out instead they were mailing me out the application for Loan Modification ''. I never requested any type of financial help other than requested a lower Payoff/Settlement offer to settle the debt.
From XXXX to XXXX, PHH Mortgage have been taking me through circles with settling the mortgage debt. Once they realized the Appraiser could not assess a burned house, only the value of the land could be assess, they decided not to send the Appraiser to do the assessment so we could settle the mortgage. Instead PHH Mortgage is trying to keep me in the mortgage when the house is a total loss/destroyed from the house fire .
I wish to settle the mortgage debt with PHH Mortgage. I was told, " I had to do the Loan Modification, which is part of the process before they could accept my Settlement Offer for the Underwriters ''.
I have been displaced from my home every since XX/XX/XXXX, PHH Mortgage is prolonging the time for me to repair and get back into my home. Also, the insurance check is set to expire in XX/XX/XXXX if its not cash within 90 days of issuance.
I was told 3 times by PHH Mortgage to put my Settlement Offer in writing and still they have not accepted my offer, they keep taking me in circles with settling the mortgage with them on this burned house.
I need help, I'm not sure if the Representatives understand that my house was burned and to tell me I dont qualify for a Settlement because my mortgage is in good standing. The house is a total loss that should qualify me for a mortgage settlement.
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| 01/11/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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I have been receiving calls from Ocwen Loan Servicing since XX/XX/XXXX. Every time I pick of the phone and answer. The call is disconnected. On XX/XX/XXXX I received a call from Ocwen Loan Servicing Agent Id # XXXX who advised me before listening or answering my questions stated, " That this is an attempt to collect, any information obtain would be used for that purpose. '' I immediately advised the agent that Ocwen had called me no less than 5 times in the past 10 days and that was harassment. The Agent respond and stated, " According to state law we can call and collect like this according to state law, and that it was also in my contract that was signed with Ocwen. '' I immediately requested a copy of the contract with my signature that allows them to do this and I also requested them to verbally provide me the state law that allows them to do this. The agent immediately placed me on hold for about 5 minutes and came back and stated that they were mistaken according to the FDCPA they were allowed to call like this. I immediately pressed the representative once again and asked what state law or statute allowed for him to contact me and harass me they way that I was being harassed? The representative was not able to give me a definitive answer. I advised the representative that I would be filing a complaint and that I would like a copy of the contract with my signature that states that they can contact me the way that had been contact me. At that point I terminated the call. I pay Ocwen every month and my mortgage is always paid by the last day of the month. I pay the late fee without complaining. There is no reason for this organization that already charges me {$15.00} in late fees and {$12.00} to pay to call me every other day harassing me about a bill that initially when the calls started I was n't even 2 days late. As a consumer this is unfair that I have to deal with these individuals who can barely speak English and then why I push them to provide me information they are unsuccessful. This is not fair nor right and something needs to be done. This organization is using words such as State Law to attempt to threaten consumers, because I am an individual who will challenge anyone whom I think is lying or is speaking in half truths. If average individual who may not like confrontation this organization could potentially being doing some shady things.
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| 10/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.
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| 12/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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We closed on the house that we sold on XX/XX/2019. Title company recorded new owners of property with XXXX XXXX County Courthouse after wiring full payoff amount to PHH with Wire Confirmation on XX/XX/2019. Subsequently, we received in the mail a letter dated XX/XX/2019 from the law firm, XXXX XXXX XXXX that our loan ( that had been paid in full ) was being placed with this firm for foreclosure. The amount demanded was for Principal & Interest, Escrows and Other fees, Attorney Fees and Cost which was {$370.00} more than the amount that had been paid to PHH on XX/XX/2019. The reason for this difference was Attorney Fees & Costs which were being charged after the closing. I contacted the law firm to inform them that we no longer owned the home as of XX/XX/2019. We were told by XXXX XXXX XXXX XXXX XXXX to email them the FINAL ALTA and Wire Confirmation for their records. We emailed these to them on XX/XX/2019. We also called the Attorney at XXXX XXXX ( The Closing Company ) to inform them of the letter and the call that we had received from PHH. We were told by XXXX XXXX Closing Attorney that he would handle this. On the afternoon of XX/XX/2019 we received a phone call from PHH informing us that we were being foreclosed on unless we made a payment. I told them that the property was sold on XX/XX/2019 and that we no longer owned the property, and they had received the payoff, in full, on XX/XX/XXXX. They said they would research it and call us back. We didn't hear back from them, so called them with the attorney from the title company on the other line on XX/XX/XXXX. After being passed through a few people and put on hold a number of times, PHH acknowledged receipt of the payoff amount they had sent that the title company had sent in the amount of {$290000.00} XXXX the exact amount they had sent, in writing, was the pay off through XX/XX/2019 ). They said they could see it in their system, and they could also see that it had been received by them on XX/XX/2019, as the wire confirmation stated. However, they said they had to escalate it, because they claimed we might owe additional money, and they would get back to us. We have not heard back from them. We have called repeatedly only to be told that it was escalated and they would call us, that the file is still active. In the meantime, they are reporting me late to the credit bureau for XXXX, XXXX and XXXX.
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| 07/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
My name is XXXX XXXX my husband XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I applied for modification over three times with Ocwen Loan Servicing LLC, Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact person XXXX from the office of the consumer Ombudsman XXXX, Case number # XXXX. The modification was denied over three time the last application sent in XXXX XXXX was approved on XXXX XXXX, XXXX, after a filed a complaint to the XXXX, my contact person is XXXX phone XXXX. I raised my concern with the president of Ocwen and the time they gave me the runaround, just to tell me that I was n't approved for a HAMP. I was approved for an internal modification, which such my principal balance on XXXX XXXX was {$240000.00}, they are charging me {$130000.00} on late charges and other fees that they can not confirm. Ocwen proposed for me to sign a Balloon note for {$370000.00} dated XXXX XXXX, XXXX, In which I sent a letter replying to XXXX XXXX XXXX at the office of the consumer ombudsman requesting for then to reconsider the type of modification they were proposing. I also ask the reasoning of the kind of modification and the reason it took over two years to get an answer, which makes us more delinquent on our mortgage payments since they refused to take partial payment on my mortgage. I explained the reason we became late on our mortgage was husband got injured in the job XXXX and is a XXXX veteran, he 's pension took some time to get approved, and after his injury, we have an ordeal of medical bills. A year later in XXXX, I lost my job and was without working for about two years, currently working. I am not sure why they do not want to work with us on our mortgage. By then taking over two years trying to modify my mortgage impact my credit, and I am not able to take a loan for my children education, affecting my credit. We are not refusing to pay, and we just want to continue living in our house with our XXXX kids, and based on my husband current pension check and my salary we can afford it. Based on the latest communications with XXXX XXXX dated XXXX XXXX, XXXX, there nothing they can do, is a take it or leave it to offer on the modification sent on XXXX XXXX, XXXX. I believe their offer is very unfair, and they can not justify the balance owed, with fees that they can not justify. Please help us. Thank you, XXXX XXXX XXXX
|
| 02/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
This is a continued complaint from CFPB case # XXXX.
I was offered a loan Modification by my loan servicing company in XX/XX/XXXX. I happily agreed to the modification terms and have been in good standing ever since. I recently decided to list my home for sale and I found that the second mortgage lien had never been removed from my property. I contact my loan servicing company ( Ocwen Mortgage Loan Servicing ) and asked why it had not be taken care of during the modification process. They told me that they had nothing to do with a second mortgage and that is why it was not a part of the modification. I told them that it is a part of the modification process to address second mortgages ( the first and second belong to the same company - XXXX and were serviced by the same servicing company Litton Loan Servicing ). They did some digging into the file and they found the charged off loan. I was then told that it belonged to a collection agency by the name of XXXX. I called XXXX and they stated that it was a unenforceable debt and that it is now in the name of Ocwen. They said that it was given to them when they took over servicing for Litton Loan Servicing. I then sent Ocwen a QWR for information on both the XXXX and XXXX mortgage. Now Ocwen is telling me that XXXX as trustee for XXXX is the owner of this lien and they provided ( through a QWR ) the contact information of XXXX, XXXX, IL XXXX with a phone number of XXXX. They state that they are servicing the discharge loan for XXXX. I have attempted to reach XXXX with this information and the contact information is incorrect. I bank with XXXX Bank and have asked for their assistance with this matter but have not received any information at this time. It is my belief that XXXX served as the trustee for XXXX while they were in Bankruptcy ( XXXX BK case # XXXX ). This case was finalized by the Bankruptcy XXXX XXXX in XX/XX/XXXX. Now Ocwen 's Attorney are telling my Attorney that they want to collect the full balance of the loan. I feel that they have deceived me with the promise of a modified loan and now that the market has changed and the market value of my home has increased they are trying to collect moneys for a XXXX debt that I was told by the previous servicer was being removed. I need your assistance with this matter. Ocwen is once again creating hardship for a home owner with their unfair practices.
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX we contacted PHH mortgage due to taxes not being in full and the funds needing to be sent overnight. Our checking account with XXXX bank had been garnished and negative {$1200.00}. The full amount deducted was {$1300.00}. We contacted XXXX XXXX XXXX department to find out what was going on and then contacted the mortgage company requesting for the funds in the amount of {$1200.00} be overnighted to XXXXXXXX XXXX XXXX department. The first representative we spoke to tried to say that they had no one we could speak to so that it could be expedited. We insisted on speaking to someone to further assist. We were transferred to the escalation line and spoke to XXXX, explaining that the full amount of the taxes were not paid and additional funds were due for the taxes that were now showing delinquent. We emailed the tax bill that XXXX XXXX XXXX department provided to us dated XX/XX/XXXX. We were told by XXXX it should take one to two business days.
The next morning we checked the accounts and the other checking account with XXXX had been garnished and was showing negative {$1200.00} on XX/XX/XXXX as the funds in the amount of {$1200.00} for XXXX XXXX XXXX department was being deducted. We called PHH again and told them that our other account has now been hit. We expressed again how important it was to have the funds expedited. XXXX XXXX said they sent PHH the full tax bill of {$2300.00} in XX/XX/XXXX. I did have the homestead excemption that unfortunately was removed as XXXX XXXX stated they did not receive my form to keep it. They said they sent 2 more tax bills that we did not receive that showed the remaining amount of {$1200.00} as PHH did pay {$1100.00} per the first bill they received in XX/XX/XXXX. We have explained this to PHH multiple times. They keep saying the taxes need to be verified. Two tax bills have been emailed to them. My daughter works for XXXX. This needs to be rectified as the taxes are escrowed and we have been negatively impacted by this. We called again on XX/XX/XXXX and were told they are waiting to hear from XXXX as they already paid the taxes and the taxes are showing as being delinquent. We know this, we sent them that info. The taxes need to be paid immediately as we have expressed. Please help. We have XXXX negative checking accounts and items that would have been paid have been returned.
Thank you, XXXX XXXX
|
| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.
|
| 05/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our loan was sold to PHH Mortgage company. Initially, there were no issues. However, our insurance and taxes are paid into escrow. PHH failed to make our insurance payment due XXXX despite TWO invoices appropriately being sent from our provider. It was not until we had to call ( 30+ minute wait ) during their " limited COVID-19 hours '' of M-F 8-6pm and specifically request that they disburse funds that the payment was made. Thankfully we monitor our notices from our insurance company.
Secondly, despite all previous servicers accepting internet payments ( or app payments ), PHH refuses to accept an electronic payment WITHOUT a signed Note Allonge which would allow them to charge {$19.00} for mere acceptance of our payments. In addition, during the 60 day " grace '' period they accepted such payments ( without fee ) but never, not once, in writing or otherwise provided notice of the " need to sign a note allonge. '' I have reviewed the Note allonge ( provided ONLY after I called and after 15 minutes discovered that was the " reason why '' I could not pay on the app, and that was NOT what the representative originally stated ) and patently refuse to sign it. It is inaccurate, misleading, and would give them carte blanche to charge unnecessary fees ( for which they have been subject to a lawsuit, which is where I guess the requirement to sign this form comes from ). Both myself and my spouse work in fields which routinely review and evaluate notes. I know that our original note allows for electronic payments, but it does NOT provide for the absolutely unfounded fee that PHH wants blanket approval to charge AT THEIR DISCRETION. So, I will pay by check. I will also be closely monitoring to ensure all payments are applied.
This company is misleading, their advertising is misleading ( i.e. " Pay via our APP '' ), their customer service is not educated or helpful, and they have now failed in THEIR obligation under my note to timely make the escrowed payments. And of course, there is no recourse that we can take OTHER than to submit this complaint as the note was sold by our previous servicer and payors ( who are NEVER late ) have no ability to request a change in servicer from this disreputable company. PHH has violated our note, is seeking a self-serving note modification to benefit only their interest and profits, and has no care for their customers.
|
| 01/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Here is a random look at the mortgage transactions for the past year XXXX : - XXXX. On XX/XX/XXXX on their website it indicated there were 8 fewer payments with 85 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. Unfortunately I did not take a screen shot of their website!
2. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 83 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX.
3. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 82 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX.
4. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 81 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX.
5. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 80 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX.
6. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 78 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX.
7. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 74 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX.
Why is it that the number of few payments keep changing up and down from 8 to 4 then 3 and then to 4 and again to 3? The pay off dates keep changing erratically! Where is the extra principal being paid going?
This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. Can you really dispute this? Certainly the records show unworthiness, deceit, misrepresentation, bad faith, or dishonesty.
|
| 05/12/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information.
I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt.
Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations.
The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ).
I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note.
Please send substantiation of the debt to :
|
| 02/18/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX we entered into a forbearance plan for the months of XXXX, XXXX and XXXX. My mortgage company PHH Mortgage called me in or about XX/XX/XXXX. I was informed that the FHA insurance had been approved to cover the XXXX through XXXX amounts. I was told to resume my payments on XX/XX/XXXX. I paid my mortgage payment as agreed XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this time I received calls from PHH. In late XXXX PHH said that they did not receive documents from me. I told them I sent them in the self addressed stamped envelope. They sent new documents for me to resign which I did. I also had tracking placed on this return envelope. I talked to PHH again on XX/XX/XXXX at when I was told everything was in order again. Then as I began to make my XXXX payment it would not take my payment. I called on or about XX/XX/XXXX I was told the notary on the previous document was no good because the doc had my name as XXXX XXXX and I signed in front of the Notary as XXXX XXXX XXXX ( which is the name on my deed and how I have signed my name since I was 12 ). I sent up an appointment with a loan specialist on XX/XX/XXXX, I was told they would send a new packet for me to start over and that I would have to do another forbearance. So feeling like I might be in trouble I agreed. I never received another set of papers to start the FHA insurance claim again. They never arrived so on XX/XX/XXXX I called PHH again where the person told me they did not need to send paper he could do the claim over the phone. I did this and he told me to call back in about 10 days. I also discussed the fact that my credit report was reporting me 120 days late and I felt that this was bordering on negligence maybe even criminal. On XX/XX/XXXX I called PHH again to check on the claim. I was told it was still pending and they would have a relationship manager call me on the XXXX of XXXX at XXXX. They also said they had not addressed the credit reporting of my mortgage. This continues to go in circles, the left hand knows not what the right hand is doing at PHH. I am able to resume my payments but can not get anything straight from PHH. This is resulting in stress over my family home and a bad mark on my credit report. Maybe the CFPB can help to get them to resolve this matter and stop sending me from agent to agent to hear a different excuse and kick the can down the road.
|
| 03/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application.
I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.
|
| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX and XXXX of XXXX, PHH mortgage reported to the credit bureaus that I had missed two payments of my mortgage. I checked PHH 's system and confirmed through customer service in XXXX of XXXX that I did make attempts to make on-time payments, but there was a system error in processing the payment. Since XXXX, my XXXX checking account was stored in PHH 's system and every month I would login, the account would pre-populate teh account number and i would make my monthly payment. Since XXXX, I was never late with a single payment. PHH customer service confirmed that for an unknown reason, the system dropped a digit off of my bank account number which is why my payments were failing. In XXXX, I had to manually correct the account in their system that was modified somehow by PHH and I paid the account in full to make the mortgage current. In XXXX of XXXX, PHH customer service told me to write a letter explaining the situation ( since it was their fault that the digit of the account had dropped ) and then they would review and correct the blemishes reported to the credit agencies. On XX/XX/XXXX, I submitted a letter to PHH explaining the situation and requesting that the situation be remedied. My request was denied in XX/XX/XXXX, but a letter was never received from PHH explaining why. After months of calling in for more information, i finally was able to reach XXXX ( company ID XXXX ) who was an escalation specialist at PHH. He made two attempts to have the issue resolved and my request granted. The first request was to XXXX ' supervisor XXXX ( company ID XXXX ). XXXX declined my request as no apparent issue was identified - no other information or level of detail would be provided. XXXX then escalated to his technical team. They declined my request bc they said they didnt have widespread reports of issues with their system. I tried to explain to XXXX this was an acute issue, but he said they would not pursue the matter further. This was a system glitch on PHH 's end, they can not explain to me what happened, and have decided to leave the blemishes on my credit even though it's their system that had the glitch. No edits were made by any profile users to my account number.
There was no transparency with PHH 's escalation process and no good reason has been provided other than they don't know what caused the issue, so they are blaming me for it.
|
| 03/06/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation.
Well this explains most of it?
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups.
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report.
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups.
I will bring all you dirt bags down who have committed fraud against me.
XXXX
|
| 07/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan # is XXXX.
On XX/XX/XXXX, I submitted my loss mitigation package to PHH Servicing to request assistance in accepting a 6 - 12 months repayment plan with the constituency of PHH accepting 4 out of the 6 payments I ave.
On XX/XX/XXXX I spoke with the loss mitigation representative and they confirmed receipt of the loss mitigation package and the loan will not be forward to a foreclosure attorney. The loan is on hold for the next 30 days to be reviewed.
On XX/XX/XXXX, I called PHH home retention department and the representative stated the file is still in review for a loan modification. I stated I was not asking for a loan modification because I received approval with Ocwen Loan Servicing in XX/XX/XXXX. Therefore, I am aware that another loan modification would be approved and instead I requested specifically on my hardship letter a repayment plan. I requested the assigned case management XXXX XXXX to contact me and I have not received any returned calls or written correspondence from PHH. The representative suggested that I should receive a call from PHH by XXXX XXXX.
On XX/XX/XXXX, I called PHH Home Retention Dept. and spoke with XXXX ID # XXXX and he stated there is no file in loss mitigation for review and there was no written correspondence sent to me stating if my request for a repayment plan was approved or denied. He also stated the loan was referred to an attorney on XX/XX/XXXX. Again I have not received any written correspondence nor any calls from the assigned case manager to discuss my hardship and request for assistance. It's my understanding that as a consumer, the servicing of my loan has been handled poorly and inappropriately and I believe under CFPB ruling, any loan in default while in loss mitigation review, the loan can not be submitted to an attorney to begin foreclosure proceedings until a decision is made from the Home Retention Department. PHH is not in compliance with the servicing of my loan and I am requesting an urgent escalation of my case. I requested to speak with the manager of the Home Retention Dept is Ms. XXXX XXXX and of course, she was in a meeting. I requested for XXXX, ID XXXX, to leave a message for Ms. XXXX requesting an immediately returned call. PHH policy is that I have to wait 24 to 48 hours for a return call. My situation is of an urgent matter, my home and I have to wait 24 to 48 hours.
|
| 06/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES?
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty.
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered.
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests.
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence.
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.
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| 07/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/2022 we received the enclosed loan modification offer from XXXX which set the new modified payment on the XXXX loan at {$9100.00}. After a review of this modification we contacted XXXX to see if there was an option to review/appeal this modification with a possibility of a lower payment. We began that process and we were instructed by XXXX employees to hold off on sending in the modification with the first payment until the review/appeal process was completed. Obviously, we were concerned that the due date in this modification was XX/XX/2022 and discussed this with XXXX representatives who assured us that as a result of the appeal, we had until the end of XXXX ( XX/XX/2022 ) to submit the signed agreement and make the XXXX payment. To that end, on XX/XX/2022, we spoke with XXXX employee identified as XXXX Id # XXXX who confirmed that there were notes on the account that indicate that there was a 30 day grace period, from XX/XX/2022 to make the loan modification payment and return the signed agreement by XX/XX/2022. During that call a follow-up on the appeal was scheduled for XX/XX/2022. Thereafter, follow-up calls were scheduled and on XX/XX/2022, XX/XX/2022 and on XX/XX/2022 we spoke with the XXXX on this account, XXXX XXXX XXXX During those conversations, XXXX XXXX confirmed that the appeal and proposal to reduce the payment had been submitted to the investor on the loan and that this was under review and that the extension to send in the 1st payment and modification agreement by XX/XX/2022 was in place. On XX/XX/2022 XXXX XXXX attempted to flip the script and began to misrepresent what had transpired over the course of the appeal process. The phone calls throughout this process have been recorded. We respectfully request that someone at the executive level get involved in this file, review the recorded calls and rectify the situation immediately. On XX/XX/2022 we enclosed the executed modification agreement along with the 1st payment as was agreed with XXXX employees in a XXXX envelope sent to XXXX XXXX XXXX XXXX for delivery on XXXX XXXX has responsibilities under the law as part of the COVID pandemic relief programs that were instituted both Federally and under State mandates. It is our hope that XXXX will process this modification in keeping with the representations made by their representatives and put this matter to rest.
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| 07/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My loan was transferred from Ocwen Loan Servicing to PHH Mortgage on XX/XX/XXXX. There was no information given to make payments. I called the customer service number and the wait time was over an hour. The online system would not let me set-up an online account to make a payment. Once I did speak with a rep, I was able to make a payment. My XX/XX/XXXX payments was applied to XXXX. I have never been late with a payment in 16 years. My XXXX payment was applied to XXXX. I called again and waited another hour to speak with another rep. He told me that he would put a work order in to research my history with Ocwen and it would take 10 days. I called backed after 15 days and was told to send my own payment history ( which I did ). On top of that I made a payment, and they debited the incorrect amount out of my bank account. I have two liens and one is fully paid off. They keep telling me to send in payments for interest and recording fees. I have already sent these payments twice and I don't even have a principal balance. I was told that they keep applying those payments into a suspense account instead of updating the system to show that I fully paid off the loan. They keep taking my money and not updating my account. The last time I made a payment on my fully paid off account, they ended up debiting an entire mortgage payment from my account. It was the amount I paid prior to paying off the account. They did not have an authorization to debit my account for a full payment that was not even due because the loan was paid off. As I stated, I paid this recording fee and interest twice. As for my second account, they also debited an entirely different payment than I authorized over the phone I called back today and was told that my representative was unavailable for the entire day and there was no one else that I could speak to about the matter. I never take time to file complaints, but this is absolutely the worse company. How can you debit my bank account for an unauthorized amount. How can you still be making entire payments on a loan that is fully paid off? How can only one person in the entire organization be the only one to help me? How can the company take over my account in XXXX and bill me for XX/XX/XXXX and then apply that payment to XXXX when I already paid the mortgage for XXXX to Ocwen? Something is wrong with this company all together.
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| 12/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ).
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following.
1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing.
2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX.
3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually.
I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears.
Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in.
Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX
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| 04/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX PHH/ XXXX XXXX trying to un-ethically convince borrowers to agree to terms that people have no idea if theyll be able to actually uphold their end of the agreement.
PHH/ XXXX XXXX at the end of the forbearance period will continue to play games and do everything possible to hurt the borrower.
Please address this issue so borrowers are not taken advantage of as will surely happen if this is not addressed.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have lost my income as a result of covid-19. I contacted my bank, PHH/XXXX XXXX on approximately XX/XX/XXXX to discuss mortgage payment deferral. I used their web form ( I have a printed copy ) to submit my request. Today I got a response telling me my form was submitted incorrectly. I checked the form for errors, and it was correct. This is a huge red flag. It turns out the new form on their web site requires me to agree that I will pay the 3 months worth of missed payments on the fourth month. How can I agree to something I dont think I will be able to do?
I called the bank and they tried to spin the issue. I explained to them I cant in good faith agree to something I dont know if I can uphold my end. They continued to try and convince me to agree to this term despite the fact I just told them I cant in good faith agree to that.
I proposed to them that if they were comfortable guaranteeing me over the phone I would have no issues if I couldnt make the back payments to please put it in writing for me. They would not. Huge red flag!
I then explained how I was at the center of the housing market crash and that I saw a lot of people do what banks asked them to do, only to have the home lost to the bank.
This is a huge concern for myself and all others who are being forced to, out of desperation, enter into a forbearance program with terms most people can not guarantee theyll be able to hold up on their end.
I am asking that immediate clarity and guidance be given to lenders so they are required to actually help the borrowers who are requesting it. This does nothing but add more uncertainty amidst an environment of the same!
It does no good to give the bank tools that forces the borrower into a corner where the bank will have all the power to ruin credit scores, and potentially take peoples homes.
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| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the XXXX of the month. It 's up to them to retrieve these payments, this is how they had it set up. However, four da ys later they continually would charge me a late fee of XXXX . In XXXX XXXX , they debited the funds on the XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in XXXX I filed chapter XXXX , and the courts paid what I was behind in, which was about XXXX . This was during the transition from Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have gone rounds with them for the last few years, and to avail. So I am seeking your assistance. Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in XXXX XXXX they claimed that a payment of XXXX was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of XXXX , that was corrected to be 2.00 % in XXXX XXXX . However, along the way in XXXX XXXX , it changed to 4.00 % without any notice. Then XXXX XXXX at 4.00 % my fixed payment was XXXX , XXXX XXXX is changed to XXXX again without any notice. XXXX XXXX still at 4.00 % ( 30 days later ) it changed to XXXX ... .and my balance is not going down much. Looking at my Insurance activity, I 've always had Farmers insurance but Ocwen slapped their own company ( American Security Group ) on there when it was time to renew. They denied Farmers during that time. That started sometime in XXXX , seems like they were following the dir t Litton was doing. Please Advise V/r XXXX XXXX
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| 03/28/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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|
Web |
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THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2018 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2018.
For the seventh time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous six illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans.
Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.
In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
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| 07/16/2018 |
Yes |
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- Trouble during payment process
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Web |
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i paid off my loan that i had with ocwen. i had a payoff quote good until XX/XX/2018 for the amount of {$120000.00}. They received that amount on XX/XX/2018. At the time, my escrow Balance was {$1600.00}, which i have from my online account and i also have a statement date XX/XX/2018. Shortly after paying my account off i noticed my escrow fall to $ XXXX, with no reason as to why. No taxes or insurances were paid to make this happen. i received a check from them in the amount of {$900.00}. I contacted Ocwen and the person i spoke with ( i dont know their names because they dont speak very good english at all ) told me that the reason for the difference was that my payoff was actually {$120000.00} and thats why i received less, because i didnt send enough to cover my payoff. I pointed out to him that i sent exactly hat was listed on my payoff letter i received and i also sent it a day early. After looking into that, he agreed that i was correct. So then i asked for a explanation fo the escrow and he couldnt come up with one. i asked to speak with a escalation manager, whose name i also dont know but his extension is XXXX he tried to tell me that i had less in my escrow account than stated everywhere in my online account. He asked for a few days to resolve this and i agreed, but then told me no, i wasnt entitled to any more money. They tried to tell me that in XX/XX/XXXX i had XXXX in my excrow and then they paid my insurance which brought it down, however as stated in the payment history and in disbursement schedule, i had {$2300.00} when they received my payment in XX/XX/XXXX, then the {$1200.00} for my home insurance came out on XXXXXX/XX/XXXX leaving me with {$1100.00} and i made a payment adding {$570.00}. in the end, i had {$1600.00} in my escrow and i am entitled to all of that back. i am requesting they send me the difference in the {$1600.00} and the {$900.00} i have recieved plus interest. At this point my taxes are due which i was using this escrow money to pay for. i dont feel im being unreasonable as everything i have that i am using in my favor, came from Ocwens website. This is the info they have given me! The most recent contact i have is with XXXX XXXX at XXXX, she needs from XX/XX/XXXX until friday the XXXX to look into this which in my opinion is far to long. i can see this within hours. its right in front of our faces
|
| 02/12/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
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THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/XXXX addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/XXXX.
For the sixth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous five illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans.
Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.
In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
|
| 11/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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DOCKET : XXXX XXXX XXXX XXXX V. XXXX XXXX, XXXX XXXX I defaulted in this loan back in XX/XX/XXXX. I have made every attempt possible with GMAC, OCWEN, XXXX XXXX to get a modification that is duable. This bank does not have my original note, they told the judge that the NOTE was lost on or about XX/XX/XXXX. I defaulted when I loss my job on XX/XX/XXXX. I sent packages, they tried to foreclose me and released the liens pends. I filed for bankruptcy, debt was discharged. It has been over 7 years, going on my 8th year fighting with these institutions. During my bankruptcy, the bank abandoned the property, after discharged they assigned the loan to XXXX XXXX who made my loan part of a securitization. My loan is a JUNK loan, they had given me an arm loan. I have asked them to reduce the principal amount as GMAC and XXXX XXXX settled with the Federal Government and they wo n't do it. They are offering me a 30 year balloon at 4 % with monthly payments of over {$2900.00} for a dilapidated home that wo n't appraise for {$320000.00}. The principal amount they are looking for is almost $ 650K. This is crazy, someone please help. These thieves are ruining our country. On XX/XX/XXXX my lawyers have a conference call with a foreclosure mediation at XXXX XXXX. The superior court clerk 's office is XXXX ( open from XXXX to XXXX XXXX ) email to participate is XXXX I have not been properly served notices ( mailed to me past any deadline ) or simply I have not been served ) I have asked for copy of my original NOTE, they ignored my request.
I have asked for reduction of principal amount, they ignore my request I have asked for relief while I was unemployed, they accelerated my foreclosure I have met every single agreement requested by the lender 's attorney during mediation I am a single mother of Two college students, hardly making {$15.00} per hour and my husband is incarcerated. I need someone to take a look at this mess and try to fix it and help me. A 40 year balloon at 4 % is no RELIEF!!!!!!! please have someone one call me at XXXX. There should be a statue of limitations, there should be relief, whenever I asked for help I did not get any, to the point that I had to hire a lawyer. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - Phone : ( XXXX ) XXXX Ask for XXXX ( XXXX ) or you may reach me at XXXX. PLEASE HELP ME SAVE MY HOME
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| 05/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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Ocwens negligence and unwillingness to provide an escrow analysis or a breakdown for my XXXX XXXX escrow adjustment caused my XXXX XXXX , escrow analysis to have a higher shortage than expected. Ocwen failed to disclose that they were spreading my escrow payments ove r 56 payments. Ocwen failed to notify me in a timely manner about the changes with the escrow so that I would have a chance to minimize my shortage. Ocwens failure to provide proper notification caused an additional increase in my monthly payment, because I had to request that my escrow payment be spread over 12 payments, and not the spread that was previously used to avoid any more unnecessary increases. Ocwen failed to provide the information/material when I first requested it, but later sent the information on XXXX XXXX XXXX , after I received the new escrow shortage in XXXX XXXX On XXXX XXXX XXXX Ocwen 's attorney emailed a breakdown of the capitalization and down payment amount that was used to calculate my {$110000.00} modification beginning balance. However, the calculations and dates Ocwen used to get the same {$110000.00} beginning balance was calculated and adjusted differently on the transaction report they provided. On XXXX XXXX XXXX , Ocwens attorney provided a response and transaction history used to support her response about my concerns with my year to date principal payment totals on my XXXX and XXXX statements. Ocwen negligently and carelessly failed to include my {$1000.00}, payment on the transaction history report that they provided with the correct XX/XX/XXXX , received date. Ocwen failed to correctly deduct my {$800.00} modification down payment from my {$1000.00} payment, and apply it with the correct XX/XX/XXXX received date. Ocwen failed to include the correct capitalized amount and date for my XXXX modification on the transaction/payment history they provided. Ocwen failed to re-apply my {$200.00} balance from the {$1000.00} payment with the correct XXXX , received date. Ocwen negligently reversed my {$800.00} down payment from a suspense account and re-applied it with a XX/XX/XXXX received date. Ocwen negligently reversed and re-applied {$200.00} + {$600.00} ( XXXX {$800.00} ), contractual payments received between XXXX , with an incorrect XX/XX/XXXX , received date.
|
| 10/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
|
|
Web |
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on XXXX XXXX we had struggled to get a loan modification through XXXX mortgage after getting XXXX with a 3 % interest we signed on the dotted line. At the time we saw that they had installed a balloon payment of over {$28000.00} they said it was for the payments in arrears but we never missed more than 6 months of payments and this was only because XXXX mortgage said to stop paying thats the only way they would help us. Anyway back to the present ocwen our mortgage lender now added money to this bringing it to {$31000.00} that ocwen has added to our principle remaining balance. We our in the final stage of getting a va refi but again ocwen has tried to rip us off. after i had looked at our modification agreement i found that ocwen violated the contract by not changing our loan to principle and interest which they did not due .The mod agreement states that interest only period will end on XXXX XXXX XXXX which they did not due so now its going on 2 years later and only because i caught them violating the agreement on XXXX XXXX XXXX i had called them and are payment was at {$1700.00} and when i called on XXXX XXXX XXXX the payment doubled over night they took our 3 % interest and raised it to 7.25 % over night iam not a lawyer but this is against the law. So what we wanted them to do is remove the {$31000.00} from our principle loan balance because XXXX out of paying 2 years of principle on our house. they then said they would look into this matter and when i called back they told me that the amount of {$37000.00} would be removed from the pay off amount after the letter was approved .Ihave called almost everyday to find out when this would be removed so we can then payoff the remaining principle balance and get away from this completely crooked company .We were told that it would only take 10-15 days it has gone past that now they tell us to give them 24-48hrs they have said this 3 times .You can now see what we have been dealing with for years now please help us make them remove that fraudulant {$31000.00} deffered payment from our payoff amount so we get finally get a real XXXX fixed mortgage using my va refi. So were asking for any help that you can give us .Me and my family would like to thankyou in advance for any help you can give us to get them to remove that {$31000.00} from are payoff so we can proceed with our va refi thankyou.
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| 05/13/2023 |
Yes |
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- Trouble during payment process
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|
Web |
Older American |
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Gentleman, This is a follow up on several complaints I have concerning XXXX XXXX. On two occasions XXXX XXXX responded that it was not the appropriate company at issue. On its third response it finally acknowledged the case is in litigation as I claimed. XXXX XXXX is Wrongfully pursuing foreclosure action against me and has been doing so since XXXX. I have provided corroboration documents of the truth of the matters asserted. XXXX XXXX refuses to respond to my concerns regarding its Wrongful foreclosure action against me. In XXXX XXXX 's latest response, it purports that it is unable to respond to me directly and has requested I contact the third-party servicer, PHH Mortgage who has nothing to do with this " loan account ''. As evidenced in the attached XXXX XXXX Ruling XX/XX/XXXX, XXXX XXXX is the appropriate company that needs to address this issue. I am attaching XXXX XXXX 's response to my complaint. I am attaching the Pooling and Servicing Agreement again which clearly states on page XXXX of the Prospectus " THE TRUSTEE XXXX NOT ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER ''. I am attaching the APPELATE COURT RULING dated XX/XX/XXXX which clearly states " XXXX XXXX HAS FAILED TO SUBMIT EVIDENCE PROVING IT IS A PARTY TO ENFORCE THE PROMMISSORY NOTE AT ISSUE ''. XXXX XXXX XXXX TRANSFERRED THE " NOTE AND MORTGAGE '' TO XXXX BANK EVEN THOUGH THE APPELLATE COURT RULED IT IS NOT A PARTY TO ENFORCE THE PROMISSORY NOTE AT ISSUE. XXXX XXXX HAD NO AUTHORITY OR RIGHTS TO TRANFER OWNERSHIP OF THE " NOTE AND MORTGAGE " AT ISSUE. THIS IS FRAUD AN ILLEGALITY. PHH Mortgage refuses to address the issues at hand as well. PHH Mortgage is now passing this complaint off to another third party servicer who has nothing to do with the " loan account ''. PHH Mortgage has provided a payment history but not the loan account. PHH MORTGAGE has provided two FALSE, FORGED, FRAUDULENT AND FABRICATED AFFIDAVITS OF AMOUNTS OWED. I am asking PHH Mortgage to respond accordingly to the issues I have addressed and am attaching the corroboration documents again for them to respond accordingly. THIS COMPLAINT IS FOR PHH MORTGAGE. XXXX MORTGAGE HAS NOTHING TO DO WITH THIS COMPLAINT AND I AM ASKING PHH MORTGAGE TO NOT HAVE XXXX XXXX RESPOND TO THIS COMPLAINT WITH THE SAME INVALID DOCUMENTATION WHICH HAS NOTHING TO DO WITH THE ISSUES AT HAND.
KINDEST REGARDS,
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| 08/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to.
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides.
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment.
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming.
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.
|
| 11/03/2016 |
Yes |
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- Loan servicing, payments, escrow account
|
|
Web |
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I sent in a principal payment of XXXX in online bill pay to be at Ocwen mortgage by XXXX/XXXX/16. I checked my bank balance and mortgage balance daily to see if it posted. By XXXX/XXXX/2016 I finally called the mortgage company and was told they had not received it, they recently had changed their mailing address according to the representative and thats probably why it was missing. They told me to put a stop payment on the check from my bank and gave me the new address to send it to. I put a stop payment on the check and changed the address in my bill pay to the new address. I had the bank resend {$27000.00} on XXXX/XXXX/2016 to be received by XXXX/XXXX/2016 to Ocwen Mortgage. In the meantime I received a letter from Ocwen Mortgage with my previous check attached to it stating they were returning it because if I was paying off my Mortgage loan they needed certified funds. I immediately called Ocwen Mortgage and explained to them that it was simply a principal payment and not a payoff payment. My payoff was {$29000.00} my check was for {$27000.00}. Fast forward my new online check was to be received by XXXX/XXXX/16 and I again checked my balances daily. Finally on XXXX/XXXX/16 and still no record of my payment I contacted Ocwen Mortgage they did say that they received my payment from my bank however payoff payments were to be made by cashiers check and I again explained that it was simply a principal payment. It was then explained to me that my bank who sent the money would have to call them and fax them verification that funds were there and they had subtracted from my account. This is online bill pay I explained and I have been using this for the last 7 years with no problems!! Why now? Finally I was given to an escalation manager and I reexplained my story and I was told that they would take care of it and would call me Tuesday XXXX to let me know status. I received a phone call on XXXX and they left a message stating nothing had been done and they would call me in a day or XXXX. I called them on XXXX XXXX 2016 and again spoke to an escalation manager who was really no help. I explained to her that I would be contacting cfpb if this was not resolved. In the meantime I have been paying interest on a mortgage balance of {$29000.00} instead of {$2500.00} since XXXX/XXXX/16. I simply am trying to have my payment applied to my mortgage.
|
| 08/21/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
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I received a letter from Ocwen stating that home equity line was maturing and I would be able to make payments to pay this off. ( this is standard with many institutions ). But upon maturing I was told that the full loan amount was due in full. I tried to refinance with Ocwen, but they told me they do n't do the refinancing and referred me to XXXX for help. XXXX took about three weeks to contact me back. After submitting all the needed paperwork I was told they could n't help me. I then tried to apply for a loan modification or Mortgage assistance through Ocwen, again after submitting all the paperwork they requested I was told someone would contact me in 3 weeks. When I finally talked to someone I was told that the loan has matured already and they could not do anything for me. I was told I would receive another call in 4 weeks. I thought they were going to try and figure something out for me, but when they did call I was asked if I had the money yet. I asked why are you taking so long with the communication and did not receive any answers to that and scheduled me at another 4 week wait for a phone call from my relationship manager.
All the meantime of there postponing any type of help they were reporting delinquent payment to the credit agencies and adding interest to the balance. I was trying to apply for another loan from banks, etc. but no one could help me because of these bad marks on my credit. In the meantime i had sent XXXX payments to Ocwen but they were returned to me. I feel Ocwen was purposely delaying any assistance to me so they can report negative actions on my report. This would inevitably cause me to not be able to repay the loan and finally they can foreclose on my property. It seems that Ocwen wants to foreclose on properties so they can make more money on the backside of the sale. I should have been given time from my first contact with them to arrange payments without being reported delinquent. After all it was Ocwen that was taking there sweet old time not myself. I had to hurry and collect all the savings, retirement money I had, borrowed from family ( which is embarrassing in it 's own self ), also I had to take advances from some credit cards to finally scrape up enough money to pay the loan off. I 'm sure i am not the only one they tried to push out of their homes and they should be held accountable for it
|
| 01/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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|
In summer XXXX, I contacted my home mortgage servicer, PHH Mortgage regarding my severe financial hardship and was placed on a forbearance program for 3 months that commenced on XX/XX/XXXX. This plan was good for 3 month and was placed on another forbearance thereafter for another 3 months. Upon completion of this 2nd forbearance, I endeavored to commenced the payment, but fell short within couple of months due to XXXX impact and I immediately contacted PHH Mortgage and was placed on another forbearance plan for another 3 months. At this junction, I have not paid my home mortgage loan for more than 10 months and was advised by my relationship manager that the delinquent amount will be place on the back of the loan without interest ( see attached Notification of Payment Deferral from PHH Mortgage ) at the conclusion of the forbearance plan. So, at the end of this forbearance, I have not paid my home mortgage for the 9 months of forbearance plus the couple of months that it took before the forbearance were finalized for a possible total of 11 months minimum. At the completion of the 3rd forbearance, I was advised by my relationship manager that the delinquent amount was no longer going to be set aside to the loan maturity, but rather, I will need to pay the lump sum asap. This has been since XX/XX/XXXX and for all these months, I have been trying vigorously to have the delinquent amount set aside or have the amount set up as a repayment plan for a minimum of 48 months due to my financial circumstances. I have made numerous attempts and still making attempts to reach my relationship manager, but all these attempts has been in vain. Every time I called, Im told to make an appointment to speak to the relationship manager, and these appointments are only once per month and whenever he fails to call me ( just last the last appointment in XXXX ), that will mean another month of non-payment of my home mortgage and it keep piling up and pushing me deeper and deeper into this delinquency. I need this delinquent amount to either be set aside until the loan maturity or the delinquent amount be placed on a repayment plan of a minimum of 48 months ( {$25000.00} / 48 months = {$530.00} per month ) and adding this amount to my regular PITI of {$2800.00} will be {$3300.00} per month. This amount I can 100 % guaranty to pay without any further default.
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| 04/08/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
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I have been seeking assistance with a mortgage modification due to the 60 % increase in my payment about 6 months ago. I began this process XX/XX/XXXX once I received notice of my increased mortgage payment. Keep in mind the payment increase has nothing to do with the taxes or insurance because I pay those separately. Unfortunately, my single point of contact has changed 5 times over this 7 month period and I am afraid neither of them can claim XXXX as their primary language. I have scheduled appointments with them every 7-14 days however their requests for supporting documentation change each time. To provide an example, on XX/XX/XXXX, I spoke to XXXX who advised me my file is with underwriting and they just need my signature on XXXX pages. He offered to email the PDF document to me where I can sign digitally and then they can proceed with the review. I received the email the following day, performed the digital signature and submitted it the same day I received it. My next appointment was scheduled for XX/XX/XXXX. Suddenly on XX/XX/XXXX I was called by a different " '' single point of contact '' who advised me to provide the 2 most recent paystubs, a profit and loss report from XX/XX/XXXX through XX/XX/XXXX, section XXXX of the hardship application, section XXXX, section XXXX and section XXXX. I asked her why each contact creates a request for new documentation and she said these items have expired. I advised her everything was complete just two weeks ago and now it feels like I am starting over. This has been the case for the past 7 months and I am at a point where I can no longer play this game. I get the impression they have no desire to assist and just perpetually ask for new documentation until the old documentation has expired and then start over with requests for the expired documentation until the borrower finally gives up.
I realize that I am the ignorant consumer who signed up for this exotic interest-only ARM near the peak of predatory lending in XX/XX/XXXX but I am not asking for Ocwen 's investor to take a loss through a short sale. Ever since the 60 % payment increase I have been able to keep my mortgage paid on time although I typically exhaust the full grace period. I am anticipating a $ XXXX tax bill to the IRS this year and really need to resolve my mortgage problem in order to afford a payment plan with the IRS.
|
| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied with PHH Mortgage to refinance my condo on XX/XX/XXXX. The account rep., XXXX XXXX, was very helpful initially in getting me through the application process and getting the loan pre-approved and locked in the interest rate. After the initial communication on the application, there was " zero '' communication from her or PHH Mortgage. I uploaded all the required documents without her assistance or directions. 2 weeks later, I attempted to contact her via voice mail and email, no responses. On or above XX/XX/XXXX, I called again and got someone else to talk to me. A mortgage services consultant, XXXX XXXX, told me that my loan had all proper documentations and the appraisal fee was waived, but he did not understand why the loan was not put in queue for processing. Also, he mentioned that the rate lock had only 4 days left. He was going to ask XXXX XXXX and her boss XXXX XXXX (? ). He then told me that they would be contacting me. I called XXXX XXXX again the next day ( XX/XX/XXXX ), he again told me that either XXXX or XXXX would call me within an hour. He even told me to call him back by XXXX XXXX XXXX if I had not heard from anyone. I called XXXX again at XXXX XXXX XXXX since I did not receive a call from either XXXX or XXXX, but XXXX did not pick up my call. I left him a voice message to call me back. He never did call me back. I called again to XXXX and XXXX the following day to request them to call me back. Neither one did. I sent them email to request some types of communication. None responded. On XX/XX/XXXX, I received an email requesting an appraisal of my condo for {$550.00}. I sent both XXXX and XXXX an email inquiring if the appraisal request was legitimate, particularly I was told that the appraisal fee was waived. Again, they did not response. I left them both voice messages and emailed them asking for a call on XX/XX/XXXX. Neither responded. In the evening of XX/XX/XXXX, I received an adverse action letter via email denying my loan application citing the application was incomplete. PHH Mortgage is my current loan servicer and solicited me to apply for refinancing. The Company and their representatives are terrible in communication and totally unprofessional. They have misled me to think everything is in good condition and then deny my application using an unsubstantiated excuse of incomplete application.
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My complaint concerns PHH Mortgage.
On XX/XX/XXXX We refinanced our mortgage with another entity ( not PHH ). We signed all the closing documents on XX/XX/XXXX. They were to pay off PHH mortgage. They did that.
On or about XX/XX/XXXX it occured to me that I had not received any written documentation from PHH nor had I received the excess funds that were due to me from PHH as a result of the payoff. The amount was {$10000.00}. I called them. They said they issued a check on XX/XX/XXXX - a FULL 26 DAYS after the closing. They said they send it via regular mail. I then called again on XXXX since I had not received the check. They offered to stop payment on the XX/XX/XXXX check and reissue a new one. They said it would take 10 days and would come regular mail. I also asked why they don't send a payoff letter. They claimed they will only send a payoff letter if I request it. Not usual practice.
On XXXX, I received a XXXX next day air envelope ( tracking XXXX ) with the check dated XX/XX/XXXX. The XXXX label shows that it was sent on XX/XX/XXXX.
I called again on XX/XX/XXXX to see if I would be able to cash that original check, they claimed they had already put a stop payment on it since they were going to issue a replacement check. I asked how they were planning on sending the replacement check and they said regular mail llike the last one which did not come regular mail obviously.
I DON '' T KNOW WHEN OR IF if I will receive a replacement check - but my guess is if I do, it will be in the neighborhood of 2 MONTHS to get a refund of over payment of {$10000.00}.
I believe that they do this on purpose so they can bank the funds for a while : Delay the check, customer complains, cancel check, reissue check, mail it ( maybe ) without tracking information.
I have the envelope with the XXXX next day air tracking and date label, the check dated XX/XX/XXXX which I can not deposit because they put a stop check order on it while they fumble around and reissue the check.
As an aside I also refinanced another property at exactly the same closing, that went perfectly and the payoff was to XXXX XXXX XXXX and the overage was issued in a check to me with in weeks of closing.
I think they are not following the consumer protection law and I am also worried that they will not file a satisfaction of mortgage with the appropriate agency.
|
| 06/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Account Number:XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Servicer : Ocwen Loan Servicing On XXXX XXXX, XXXX GMAC initiated a foreclosure action against XXXX in the Circuit Court of XXXX County , Florida .
On XXXX XXXX, XXXX GMAC recorded in XXXX County Official Official Record a bogus mortgage assignment purportedly executed by XXXX XXXX an alleged Assistant Secretary of XXXX XXXX XXXX XXXX , XXXX ( XXXX ). The assignment shows an execution date of XXXX XXXX, XXXX. There is no evidence that XXXX has any authority to assign the mortgage.
The law office of XXXX XXXX XXXX prepared and recorded the bogus mortgage assignment on behalf of GMAC.
On XXXX XXXX, XXXX, the court dismissed without prejudice GMAC complaint for lack of standing.
On XXXX XXXX, XXXX, GMAC filed its first Amended Complaint, wherein GMAC stated the mortgage loan went into default on XXXX XXXX, XXXX.
GMAC alleges that the new principal on the Note is {$180000.00}. The alleged original Note shows an initial principal balance of {$170000.00}. Due to the negative amortization of the loan, the Note principal balance has increased by {$10000.00} ( {$180000.00} - {$170000.00} ). GMAC has not paid the required documentary stamp tax on the increased value of the Note, making the note unenforceable.
Though the alleged original promissory note did not carry an endorsement from XXXX XXXX XXXX XXXX, GMAC claimed ownership of the mortgage loan by way of an Assignment of Mortgage from XXXX.
GMAC obtained an unconscionable advantage by concealing and/or misrepresenting the true owner of the beneficial interest in the subject loan and/or the amount owed.
Despite such actual knowledge as to XXXX ' limitations and preclusions, GMAC intentionally and willfully uttered, in writing throughout foreclosure proceedings, the false and fraudulent misrepresentations as to XXXX for the sole and specific purpose of manufacturing bogus " Assignments '' of mortgages in order to institute and further fraudulent foreclosure proceedings with the intent of committing theft of real property.
On XXXX XXXX, XXXX, XXXX XXXX was substituted as plaintiff with Ocwen as the servicer due to GMAC bankruptcy filing.
Ocwen is now trying to foreclose on the property knowing that it has no standing to do so and that the note is unenforceable. A trial is scheduled for XXXX XXXX XXXX.
|
| 01/16/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
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We are a XXXX who completed hail damage repairs on a property in XXXX XXXX, WY. The original estimate was {$23000.00}. There was an insurance supplement of {$8300.00} and an additional supplement of {$260.00} bringing the total repair to {$32000.00}. The homeowner has a deductible of $ {$1600.00} so what the insurance company, XXXX XXXX XXXX, paid was {$30000.00}. These funds were sent to Ocwen Loan Serviing, LLC. The claim was made to the insurance company in XXXX of XXXX. Ocwen Loan servicing sent the initial payment of {$20000.00} in XXXX, XXXX with a balance of {$9700.00}. On XXXX/XXXX/XXXX the final bill for the work was submitted to the insurance company for payment and the final inspection was completed on XXXX/XXXX/XXXX. I have been trying since then to get payment from Ocwen Loan Servicing. I have faxed and emailed the same paperwork to them several times and have documented all faxes, emails and phone calls to Ocwen and would like to provide you with this documentation. It has finally come down to the fact that they verified they received the initial check from the insurance co of {$20000.00} in XXXX, {$260.00} on XXXX/XXXX/XXXX, {$8300.00} on XXXX and {$1100.00} on XXXX. They stated to me on XXXX that a payment of {$1400.00} was to be mailed out that day, I asked why that amount and they stated that was all they were holding. I called back and spoke to another representative that day and she verified that they had received the {$8300.00} but the funds were missing. She called the ins. co. and verified that the check had cleared their account so she put a search on that check. on XXXX/XXXX/XXXX I was told the missing funds had been found. a request was put in to expedite release of the funds. I called again today but they could not give me any information on it or when the funds would be released and suggested I call again on XXXX. Because I have been trying for 2 months to get my payment, my concern is that I am not the only person fighting with this company for payment. I feel this company needs to be looked into as their business practices are awful. There may be a miracle and I will receive payment but I have run out of hope of that happening, that is why I am reaching out to you. I am hoping there is a place where I can attach my documentation to this complaint so that you can see what I have been going through.
|
| 01/14/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2017 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2017.
For the fourth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous three illegal sale attempts of this entity. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans.
Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.
In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
|
| 07/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a loan remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, XXXX XXXX. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by XXXX, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to PHH Mortgage. I was assured that I had no tasks before me, that any payments would be automatically credited to PHH. I received those assurances from XXXX, PHH, and XXXX XXXX. XXXX refused to transfer the payments to PHH, and PHH refused to pursue the issue with XXXX. After complaints to XXXX XXXX and multiple email contacts with XXXX, PHH acknowledged receipt of the money from XXXX on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from XXXX to PHH by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of XXXX. I have a considerable amount of interest on the principal to which PHH has refused to credit my account. All of those issues have violated both my contracts and the law. PHH is an institution with nearly 1700 complaints before the CFPB. I did months of research before taking out a refinance, and skirted PHH because they have a history of fraud and have learned they can get away with it when they prey upon the elderly, the honest, those with XXXX, and the lower and middle class. XXXX XXXX is equally to blame for continuing to push business toward PHH, knowing that their intent is to engage in illegal and fraudulent business practices.
|
| 07/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.
|
| 06/24/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years
|
| 03/25/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification which day we will will never give I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification. They will not consider me for a modification because they said it would raise my payment I have no income except for a small supplement I get each month for raising my grandchildren its {$700.00}. My husband lives on Social Security and he can only afford to pay his bills and nothing more I ask the bank if they would except {$500.00} payments because I am expecting all my backpay but they will not work with me. I also slide for Social Security XXXX which I had a hearing on XX/XX/XXXX I am currently waiting for the decision on that but I applied for that two years ago and theyre claiming that if I get approved I will get that back Pay. I am stuck in a rut at this time I have no way to make money because Im temporarily totally XXXX and I have been for the last two years I ran out of money in my savings is gone my brother was helping me but he passed away in late XXXX and I want to keep my home. I have a problem with XXXX and XXXX at this time and I just dont know what to do I need help please will somebody please help me keep my home I have nowhere to go with my XXXX children and my dogs I just have nowhere to go. Ive been in this house for the last 20 something years and I plan on paying it off one day but I just need the payments to be suspended until all this money starts coming in can someone please help me my mortgage payment doesnt seem to want to help me I dont know what to do. Another document that I turned in they claim they never got to spending my payments in XXXX of last year but Id have to have proof that I signed it and I faxed it to them because they got it to me after or close to the deadline so I faxed it to them and they are claiming they did not get it although I have a copy of it please can you please help me get some relief from this I dont wan na lose my home.
|
| 06/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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We modified our mortgage XXXX once in XXXX and again in XXXX. Somewhere in that process our current mortgage servicer Ocwen, ( who absorbed our previous mortgage lender, Litton Loan Servicing LLC ) lost documentation regarding those modifications and now claims we owe {$40000.00} and they have issued a lien on the title.
Facts : We have documentation showing that Litton Loan originally purchased our mortgage from XXXX in XXXX. This mortgage was an " XXXX '' split, attached documentation shows Litton purchased both " parts '' of the mortgage.
Between XXXX and XXXX we modified the loan with Litton because of inflated interest rates and a payment we could n't afford. the modification was completed and our mortgage was then placed with Ocwen as a result of the government shutting down Litton Loan for bad business practices. Litton Loan had a difficult time during this process answering our phone calls and responding to our requests for documents.
Ocwen then odified the loan for us again after taking over for Litton because the property was not worth anything close to what was owed. In fact, at that time they forgave more than {$98000.00}. We have the XXXX cancellation of debt, tax information, forgiving that amount as proof. This was complete late in XXXX. Interestingly, Litton never issued this documentation to us, we did not realize this was a requirement they should have fulfilled until we received XXXX from Ocwen.
During this time we have never been contacted by either Litton or Ocwen to say that we owed an additional amount of {$40000.00}. In fact, we specifically asked time and again if we would ever be attached the amounts forgiven in either modification, to which the answer was always " no ''.
Ocwen also claims to not have certain paperwork that we have requested, paperwork that should have been record given to them when they absorbed Litton.
Now, we have sold the property and are trying to close on XXXX XXXX, XXXX and need a discharge of debt because there is a {$40000.00} lien on our title, which Ocwen refuses to issue and claims they have no further information on. Their research department was being cooperative and about 1 week ago they stopped helping us.
We therefore are requesting help in compelling Ocwen to issue a discharge of the {$40000.00} debt and are filing a complaint against the company.
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| 01/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Over the past year and a half, I have been subjected to a barrage of harassing phone calls, letters and other predatory loan servicing tactics by Ocwen Loan Servicing , LLC . First, Ocwen has repeatedly charged me for lender placed insurance ( using what is likely a sister insurance company of Ocwen called XXXX XXXX XXXX XXXX XXXX ), despite me consistently showing that I have an insurance policy in place for the property. Every time they have placed it on my account, I have shown them that I do indeed have property insurance and requested them to cancel their lender placed insurance policy. Often Ocwen would say that they could only accept proof of insurance via fax, which I would comply with, only to be told they did n't receive the fax. When Ocwen would cancel their lender placed insurance policy, they would shortly thereafter ( if not immediately thereafter ) send me new notices demanding proof of property insurance. In fact, one time they sent a confirmation of cancellation of lender placed insurance along with a new notice of intent to purchase lender placed insurance on the same day! Second, Ocwen 's agents would call me virtually every day or other day at odd hours, threatening me with all sorts of penalties, charges and trashing my credit if I did n't provide them with what they were demanding. Recently they have demanded that I provide proof of insurance for personal items in the property. This is utterly ridiculous and absurd! The personal items in the property are not collateral for the mortgage that Ocwen is servicing. Nothing in the mortgage agreement requires insurance for personal items in the property and the insurance policy that I have in place for this property satisfies the insurance requirements under the mortgage agreement. I am tired of dealing with their dishonest, fraudulent and abusive tactics, and frankly I just do n't have the time anymore. I am lucky in that I work in real estate and at least have an idea of what 's going on here. What worries me is that if this has been happening to me, I can only imagine how much Ocwen is taking advantage of people who are not so able to defend themselves. I have read about Ocwen being regulated by both federal and state governments for their criminal behavior, and yet they are still allowed to continue operating. Ocwen needs to be shut down permanently.
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| 05/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. In the summer of XX/XX/XXXX OCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXX as well. I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 ) week period I spoke with numerous OCWEN customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX xXXXX, and was told that XXXX had not provided them with a copy of the policy. XXXX provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed.
My first attempt at correcting this error ended with OCWEN stating that they did not have proof of insurance for the dates they show as lapsed. I found this strange as when I contacted them on XX/XX/XXXX at XXXX CST their XXXX XXXX at extension XXXX told me that he could see them in the system.
I am including them with this complaint.
Any attempt you could provide would be greatly appreciated.
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| 12/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Ocwen Loan Servicing engaged in dubious, illegal and patently fraudulent activity in pursuit of a foreclosure in XXXX State Supreme Court violating both the National Mortgage Settlement agreement with Ocwen, regarding servicing standards, and highlights the problems with Ocwen 's REALServicing platform as laid out in the lawsuit : CFPB v Ocwen Case # XXXX, US District Court , Southern District of Florida XX/XX/XXXX -- A " Denial for request of Mortgage Assistance, '' dated XX/XX/XXXX, was uploaded to the NY Court 's web system on-line during a mandatory foreclosure status conference ( mandatory appearance by plaintiff 's attorneys ). This was a fraudulent document given that defendants never applied for mortgage assistance. Blame was laid at the feet of an inexperienced young lawyer who had managed to gain access to the REALServicing system and obtain the document.
XX/XX/XXXX -- Attorney affirmation by plaintiff 's lawyer stating the uploading of previous document was a " mistake '' XX/XX/XXXX -- Affidavit from Ocwen representative again stating " Denial '' document was mistakenly uploaded.
XX/XX/XXXX -- Supplemental affidavit from same Ocwen representative reiterating that XX/XX/XXXX document was mistakenly uploaded.
In response to two Show Cause orders XX/XX/XXXX and XX/XX/XXXX lawyers for two firms representing the plaintiff filed Affirmations in Opposition, respectively, that the mistake should be overlooked and that " ethics '' training had been instituted for all lawyers in the firm ( XX/XX/XXXX ) and that no real harm had been done to defendants ( XX/XX/XXXX ). Furthermore, in the XX/XX/XXXX filing plaintiffs attorney indicated that the REALServicing system had flagged the case and that no further modification-related communications with defendants would be initiated. Plaintiff 's lawyer stated that " Ocwen 's Records Are Accurately Kept, Maintained and Available To Their Foreclosure Firms. '' Plaintiff 's lawyer also stated ( XX/XX/XXXX ) that " care was taken to ensure that the offers were not sent, given Defendants ' clear position ''.
XX/XX/XXXX -- Despite the aforementioned affirmation a packet of information, dated XX/XX/XXXX, was received by defendants. It was a " You Are Approved for a Loan Modification Trial Period Plan. '' Again neither defendant nor their attorney requested this modification.
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| 05/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In an OCWEN LOAN SERVICING, LLC, Loan N o. : XXXX , Borrower named as XXXX XXXX XXXX , XXXX , Address : XXXX XXXX XXXX , XXXX , CA XXXX . OCWEN was the Servicer and failed to inform me of the name of the lender for the following years . OCWEN has refused to reveal the name of the lender. Question # 1 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 2 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 3 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 4 : I n the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 5 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 6 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 7 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 8 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 9 : In the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 10 : I n the year XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note? Question # 11 : In XXXX , LITTON ( now OCWEN ) alleged it received a " pay off '' from XXXX XXXX LITTON were statutorily required to inform the lender regarding the payoff and the note returned to XXXX XXXX XXXX XXXX XXXX , the borrower. XXXX XXXX XXXX , XXXX did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to XXXX XXXX XXXX , XXXX . Demand # 1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p resent holder of the note.
Demand # 2 OCWEN alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''
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| 04/25/2017 |
Yes |
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- Trouble during payment process
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Web |
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We purchased a home on XXXX / XXXX / XXXX and with the mortgage financed through XXXX , XXXX . The loan was sold to Ocwen Loan Services o n XXXX / XXXX / XXXX . In XXXX of XXXX I received a letter from Ocwen stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called Ocwen asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it.. My original loan payment with XXXX was {$1500.00}. In XXXX XXXX Ocwen increased it to {$1600.00} and in XXXX they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for XXXX was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction. Due to a recent financial hardship, I submitted loan modification paperwork to them on XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was XXXX XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending . Sent Ocwen an email ( attached ) regarding these issues and again, no reply.
Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen complaints are on your website and yet they are still in business.
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| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XXXX of XXXX our home was damaged by superstorm sandy. The home is a duplex and the lower level was on grade and due to flooding has been unrentable and uninhabitable. In addition due to the damage and the state, city and FEMA requirements we have to lift or demolish and rebuild the home. The home is a 2nd home so we were unable to get relief funds from the federal or state government. W e did recieve an insurance disbursement for losted items and replacement cost of sheetrock. We have spent about {$20000.00} on architects and engineers thus far. In XXXX of XXXX we began to contact our Mortgage se rvicer OCWEN to se e what could be done to reduce our mortgage interest rate from 7.875 %. Are request was denied. In XXXX of XXXX we recieved the insurance disbursement of which just over {$15000.00} went directly to OCWEN for property repairs. We contacted OCWEN to get an understanding of to use this money, mainly a procedural question, how many estimates were needed, what the funds could be used for, etc. OCWEN was unable to anwer the questions and each time we call we were confusingly transferred from department to department. To this date we still do not have comfirmation of the insurance money with OCWEN an understanding of how to access the funds and no one has ever called us from OCWEN to follow up on our questions. In addition we have conta cted OCWEN directly by phone and via the website to request loan modification over the last almost 5 years. On the phone we have been transferred or told the request needed to be done online and online all requests have been denied. We have never missed a mortgage payment but due to the condition of the property and the mortgage being underwate r since XXXX we have also been unable to refinance with another bank or to secure a loan to rebuild or renovate the property. We have done everything possible to keep the city from condeming the home so that we do not lose our investment bu t OCWEN has not attempted to help in anyway. We did not want to stop paying the mortgage and damage our credit but the burden is becoming unmanagable. If we sell the property it will be at a tremendous loss. We still have an interest of 7.875 %, we still do not know or have access to the insurance proceeds paid directl y to OCWEN and w e are in danger of losing our home.
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| 07/06/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I have had nothing but trouble with the company called Ocwen Financial I was only 2 months late on my mortgage several years ago paperwork was not being shown they would tell me I did n't send it and I did send it, this went on for years I owed them {$5000.00} and offered to pay it on that day they refused to take it and told me I had to go through a modification the modification was a disaster they would not accept certain paperwork paperwork was not being shown, my credit report was not showing any good payments they sent a sheriff after I was behind only two months and refused to let me pay it, I 've had 3 XXXX XXXX now this place is made me crazy my husband also is ill and lost his job I asked them if I could pay half this month and half next month they refused they said pay it!! added on two additional mortgage payments and told me come up with it. That was their answer, I told them I could not help it I had a XXXX XXXX there was nothing I can do about it please take my payment and let me continue to pay they refused and now again I 'm stuck. please help me I ca n't go through another terrible modification and what they put me through the last time dragging their feet saying I did n't send paperwork they even tried doing it to my attorney, I finally had to get an attorney thank XXXX he was a good man and helped us out they even tried to do it to him, tell him that he was missing a piece of paper and he said no way, and told them to stop messing around now I fell behind because of the XXXX XXXX and my husband being ill and in the hospital, I still can pay the mortgage that 's not a problem but now they want me to pay a large amount and told me to come up with it by the XX/XX/XXXX or they were going to do something about it. I do n't need to have another Sheriff at my door the first one I was only late 2 months, I knew that that was wrong but there was nothing I could do about it I 'm sick I work and I worked and I worked until I broke and that 's what they try to do is break you, even their website has a big red! On their page please help me. They are not being fair to anyone there are many, many complaints, and the lawsuit against them finally I plan on being a part of that I asked them if I could split my mortgage payments into two different payments and they refused so they say they work with you they do not!
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| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2022 I received a final notice from the XXXX XXXX XXXX regarding one of two parcels encumbered by my mortgage. My property taxes are escrowed and to be paid by my servicer, PHH. I called PHH and was instructed to email " XXXX '' with my loan number and relevant information- I did and did not receive a response. On Monday XX/XX/2022 at XXXX PM CST I sent a picture of the final notice to the above email and to " XXXX '' per PHH instructions with a request for update and timeline for payment - I did not receive a response. After calling PHH again at XXXX PM CST, I was instructed to resend the email to the escalation support email with the subject " Loan Number : XXXXXXXX ; Attention : XXXX ; Agent ID XXXX '' - I did. The agent on the phone, XXXX confirmed receipt and said he would get back to me with an update. I did not hear back from XXXX.
On Wednesday XX/XX/2022 I sent a follow up email to escalation support asking for an update. I did not receive a response. At this point, the notice of the the delinquent amount and my name had already been run in a local newspaper and if the amount was not paid by XX/XX/2022 the property would go to a tax sale.
After several more calls I was always told the tax department was working on it and they didn't have an update or estimated timeline for resolution. This was of course highly concerning giving the urgency of the matter. I did finally receive a call back on XX/XX/2022 - but to my dismay, the update was that they did not have an update or timeline for resolution.
Fearing that nothing was being done and that no resolution was in sight, I paid the property taxes out of pocket on XX/XX/2022. I sent PHH a receipt for the payment, requested reimbursement and expressed my dissatisfaction with the entire process and lodged a formal complaint ( via email ) with a XXXX business day timeline for response. I have not received any form of response. PHH has not acknowledged my complaint, or attempted any resolution on this matter.
PHH has shown a total disregard for my issue. I'm clearly just another file to them, but if this is how they treat their customers, something needs to be done. To be clear, I did not seek out PHH for a loan, my original lender sold the loan which was then sold again to PHH. If I had any say in the matter, I would never conduct business with PHH
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| 04/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments.
You are delinquent or in danger of falling behind on your mortgage.
You obtained your mortgage on or before XX/XX/XXXX.
Your property has not been condemned.
You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ).
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction.
However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.
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| 06/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen acquired my loan from XXXX XXXX XXXX in XXXX XXXX. I was in chap XXXX bankruptcy at the time and it has since been discharged in XXXX XXXX XXXX. Ocwen waited until i was no longer under protection of chap XXXX and then claimed a bogus post petition debt that they say i owed and accelerated my loan to begin forclosure. i have proof of all my payments to ocwen and i am not in arrearage post petition!! They were paid all monies due pre petition but insist i owe them post petition payments due for months of XXXX XXXX until XXXX XXXX I even have statements where one month they claimed i had no post petition debt in XXXX XXXX and then the next month they claimed $ XXXX post petition and the number rises every statement. If i was so called in arrearage post petition then why did they never file a motion for relief from automatic stay during my bankruptcy since they claim my missed payments date back to XXXX XXXX and I was still under bankruptcy until XXXX XXXX. What mortgage company in their right mind would let XXXX post petition payments be in arrearage without filing a motion with the courts to stop an automatic stay!! What they did was waited until my bankruptcy was discharged because they have been trying to get my home because their is plenty of equity since i first filed bankruptcy. They are liars and only put foreigners in their customer service dept and they cant understand what you are trying to convey to them. They also show me as having owed a mortgage payment that was higher than the XXXX i paid to my prior loan servicer, XXXX XXXX XXXX and when i asked for a mortgage analysis XXXX years ago they never did XXXX but now say they are sending me a check for {$2800.00} because they recently did a mortgage analysis and my escrow balance was too much. The reason it was {$2800.00} over the amount it should have been was because they had me paying the wrong amount for my mortgage payment over a period of 3 years!! Had they done the mortgage analysis when first requested XXXX years ago they would have determined my mortgage payment was incorrect! Please help immediately! They are trying to coerce me into a loan modification so they can cover up there faulty accounting. I do not owe them anything!!! I plan to sue like the case XXXX XXXX vs Ocwen which cost them XXXX XXXX for their faulty accounting on her part.
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| 09/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...
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| 06/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I 'm desperately asking for your help with my mortgage Servicing company Ocwen Loan Servicing & the investor of my mortgage loan XXXX XXXX. I have been living in my house since XX/XX/XXXX. I bought my property at a very high value of {$890000.00} at that time. Now my property is worth half of that. I 'm a struggling home owner, I have a daughter that is going through XXXX at this time and It has been extremely difficult morally, financially and XXXX. I do n't want to lose my home at this time when my daughter is going through this difficult time. We have nowhere to go.
I have asked Ocwen Loan Servicing to help me out but apparently the investor of my loan XXXX XXXX does not want to help me out. On XXXX XXXX, XXXX they have denied me for a loan modification. When XXXX XXXX needed help during the government bailouts, XXXX XXXX took more than XXXX dollars of from us tax payers, and I believe they paid back the money, but my point is that everyone needs help at one point and for me unfortunately I 'm asking for help a second time.
Today I 'm asking you as a representative of the people to help me in pursuing Ocwen Loan Servicing & XXXX XXXX to help me so I wo n't lose my property. I became late in my mortgage payments because the reduction in my monthly income. I was a self-employed driver for years and had my own business. Due to business failure I had to close down my business and became a XXXX employee at a company. As a XXXX employee I 'm not making as much money as I used to. However I not only a XXXX employee but now a part-time self-employed as well. Starting XX/XX/XXXX I have been getting money a self employed and my XXXX job. It has been a very tough time and sometimes I work 16hrs a day but I have no choice but to keep working because I want to save my home. I am the only one working and I 'm also renting the XXXX unit on my property. Recently I have demostrated Ocwen Loan Servicing that I make the sufficeint money to maintain a payment but they have refused to help me. All I 'm asking is to please put all the payments on delinquent in back of the loan and I can resume making payments as usual. I can not pay all the payments I 'm behind but I do need help to catch up. I do n't want to lose my house, I can now start makng payments since in the last few months I have been having a higher and steady income.
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| 12/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage statement dated XX/XX/XXXX showed i owed an outstanding balance of {$1900.00} with a due date f XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. The next statement dated XX/XX/XXXX showed my payment had been received and credited to my account. however, this same statement also showed I still owed {$1900.00} as a 'suspense ' balance. It was unknown to me what 'suspense ' balance meant. on XX/XX/XXXX, i contacted the mortgage company PHH at XXXX and spoke to one of their representatives, XXXX, who verified to me that my payment of {$1900.00} had been received but for unknown reasons it was not credited to my account ; it was on 'suspense '. XXXX assured me that i would get a corrected statement within 10 days. on XX/XX/XXXX i went online and submitted an email to XXXX inquiring about my concern. a few days later I received a response stating they could not provide me with any information because i had not registered an account with the mortgage company. On XX/XX/XXXX i called again and spoke to the representative, XXXX XXXX, who was rude to me stating there was nothing she could do but the case was under investigation and that i would get a response within 30 days. on XX/XX/XXXX I called the company once again representative, XXXX, told me i had to request a payoff amount in writing, which she requested for me. On XX/XX/XXXX i did sent the payoff amount by registered mail. The company received my payoff payment of {$400.00}. Regardless of the constant communication I maintained over the phone with the company, during this time frame from XX/XX/XXXX thru XX/XX/XXXX I received about 4 letters from the company stating that i had a past due amount and the last letter dated XX/XX/XXXX notified me that the company was initiating foreclosure on my property.
I feel I have been harassed by this mortgage company by sending me several past due account letters and the foreclosure notice when in fact I had always made my payments in a timely manner and even paid off my loan ahead of the schedule. On XX/XX/XXXX i went ahead an created an account and sent another email to the company inquiring about the status of my account. On this date when I logged in to my account, their system showed I had paid off my account in full.
Thank you for any assistance you can provide with this uncomfortable situation.
XXXX XXXX
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| 05/06/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Older American |
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We purchased our home in XXXX . In XXXX , we took out a home equity loan with XXXX . In XXXX , at the height of the financial crisis, our business experienced catastrophic losses. We asked to make partial payments and were denied. However, we were offered and approved for a loan modification, which we paid on time every month. Suddenly, our lender, which is now XXXX XXXX ( who acquired XXXX ), breached the agreement and asked for all payments in the former amount combined with fees and penalties due at once. We obtained legal assistance to fight for our rights and finally in XXXX , they withdrew the lawsuit. Our home has been underwater since XXXX . We have been trying to resolve this for almost 9 years. Then, in XXXX , they filed for foreclosure again and we filed against them on statue of limitations. While our case was being considered, the XXXX XXXX Court of appeals demolished statue of limitation laws in XXXX states. Texas now has no statute of limitations on foreclosure. They can foreclose until the end of time. In XXXX , XXXX started foreclosure again. We applied for another loan modification and were denied and received a letter that we were not eligible because we were over 90 days delinquent. The other reason is that they could not reduce our payment by 20 %. What does that mean? Our original loan was {$680000.00} and now they say we owe {$1.00} XXXX . The house is still underwater and we can not sell it for $ XXXX . Even though they are supposed to help home owners who are underwater with some of the XXXX XXXX in fines levied by th e US government, they have told us they will not help us. There is no t one person at Ocwen, who is the agent for XXXX XXXX , who has any authority to make a decision other than foreclosure. How in this great country, can we allow a foreign entity doing business on our soil not to follow the laws. And, the loan servicer is Ocwen and I can not even begin to list the abuses we have suffered at their hands. As senior citizens, we will never recover from this financially and XXXX and Ocwen get off without any agency or th e U.S. Department of Justice able to make them follow the laws. Ocwen is in trouble again, but they continue to break every federal law created to protect home owners. Ocwen has broken every Dodd Frank law.
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| 08/02/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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In XX/XX/XXXX I had XXXX XXXX and would miss thre months of work. In XXXX XXXX I called PHH to inform them and to see what we could work out. I spoke to a man named XXXX and he said they could do a forebearance and move three months worth of payments onto the back end of the loan. He said my first regular payment would be due on XX/XX/XXXX. I was able to rersume making payments beginning with the XX/XX/XXXX payment, and it was on time.
A few months later I started getting mail from them about help paying my mortgage and possible refinancing. I ignored them because the situation had already been taken care of. After a while I got tired of receiving these mailings that started sounding threatenting, so I called them. I spoke with XXXX, employee # XXXX, and she said I was behind a few months. I told about my conversation with XXXX and she said that they can't do a forebearance on FHA loans. I told her that's not what XXXX said. She didn't care and said that I had to pay the overdue amounts.
On XX/XX/XXXX I FAXed a Mortgage Assistance Application to them. On XX/XX/XXXX I received their decision stating that my account does not qualify for Mortgage Assistance. From thgeir review : " FHA special forebearance -- unemployment -- non-approved -- As a result of your recent employment you are no longer eligible to continue participating i this program '' and " Forebearnce Type 1 ( informal/formal ) -- non-approved -- The hardship reason provided on your applicatrion has been resolved. '' NO KIDDING to both. I'm not talking about having trouble making regular payments NOW, I'm talking about a forebearance that a PHH employee told me was DO-ABLE back in XXXX XXXX. I started making payments again ON TIME as per our agreement.
Now they are saying thart my only options are a short sale or deed-in-lieu of foreclosure. I WANT TO KEEP MY HOUSE! It's not my fault if one of their trained employees told me the wrong information. I acted in good faith going by what he told me. And now they are threatening to take my house ... and they've only given me one week to respond! ( I only received their response a few days ago. ) Also, I'm about seven years out from a bankruptcy ( the house was listed on it ), so can they actually do this to me? ( I mentioned this to an attorney and he said PHH is notorious for bullying homeowners. )
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| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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I was divorced last year of a XXXX year marriage and part of the divorce settlement was to get my wife released of liability for this loan. I started the process XX/XX/XXXX. I paid the {$370.00} application fee and can't get the release of liability processed. The phone number that I call goes to an offshore call center and get assigned to different agents weekly. I sent and resend the required documents and they claim they can't open them or didn't receive them. Some agents are very difficult to understand and don't seem to comprehend what has been done numerous times or what I am saying. They change what they need to process and ask for more, even after I verify that is all they need. I have asked to talk to a US based person and was only able to once and told to call back. They won't give me a US based direct line to call. Each call goes through a menu system and can take over 30 minutes to actually talk to someone. I leave messages and they say will call back and never do, claiming they tried but line was busy. I have no record of any attempt for them to call back.
I have a credit score in the mid XXXX 's and have never missed or been late on a payment in XXXX years. I am presently retired and have retirement income, rental income, as well as social security, which more than covers the payments that I have been paying for since XXXX. I have sent income tax forms, bank statements, rental agreements, Retirement award letter, divorce decree, and other forms they requested.
I email forms and get an automated return saying they got it, then told they never received it or were unable to open the link. The documents sent were in PDF format locked with the last 4 digits of my SS number which they use to identify me when I call.
They seem to be deliberately delaying and causing me to exceed the deadline set by the judge to get this resolved.
I have asked for a record of all the calls and interactions that have occurred and told they would need a court order to give that.
I can download more emails if necessary.
It is like using the off shore call centers is a deliberate way to avoid any customer interaction with the company. They are trying to make it as difficult as possible and take up as much of your time so that you give up and quit. Possibly to force you to get financing at a higher interest rate.
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| 09/15/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX.
NEITHER PHH MORTGAGE SERVICES OR XXXX XXXX. HAVE RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED.
To date, I XXXX XXXX have not received a response from PHH Mortgage nor has XXXX XXXX. responded to the PREVIOUS federal complaint. Both companies are still attempting to illegally foreclose on my home.
As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX XXXX XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then hires XXXX XXXX. to advertise the sale and foreclose on my home. I filed a complaint against the firm on XX/XX/2020 and then asked XXXX XXXX. to Validate the debt on XX/XX/2020 certified mailing number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. has not validated the debt to date. However, they have rescheduled the foreclosure sale for XX/XX/2020. ( attached ) PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking.
XXXX XXXX. has received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. It has been well over 30 days and XXXX has yet to validate the debt. Yet this firm still continues to attempt to foreclose on my property. Their actions violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX. is aware of the laws that govern Georgia Foreclosures. These are also acts of illegal foreclosure, fraud and theft by taking.
I would like XXXX XXXX. and PHH to prove that XXXX or XXXX XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan.
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| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Due to extreme hardship and unjustifiable increase in my escrow payment, I defaulted in my mortgage payment. Subsequently, PHH Mortgage predecessor mortgagee commenced a foreclosure proceeding against my property. I interposed an answer and i filed a modification application in my efforts to keep my home. On or about XXXX/XXXX/20, PHH Mortgage approved the modification application after two years. In consideration thereof, I was required to pay a monthly payment of {$2100.00} from XX/XX/XXXX2020 through XXXX 2020. I made all the required payments for the trial period and payment were accepted by PHH Mortgage.
Subsequently, PHH Mortgage alleged that a title search was conducted and a tax lien was recorded against my property by The XXXX of XXXX XXXX. I promptly made the payment on XXXX/XXXX/20. However, due to the pandemic and specifically because most city employees worked from homes the Notice of Warrant Satisfaction was not prepared and filed expeditiously despite my request that time was of the essence. On XXXX XXXX, 2020, the XXXX XXXX XXXX Department of Finance processed and filed a satisfaction of Judgment with XXXX County. However, on XXXX XXXX, 2020, PHH mortgage denied and cancelled the modification agreement signed and completely performed by me in that I had already paid the three months trial period payments.
PHH Mortgage in total regard to the prevailing pandemic in the country wherein most offices are not working at their full capacity unconscionably denied my modification application predicated on the fact that the XXXX of XXXX XXXX delayed in processing the Satisfaction of the within tax lien.
It is noteworthy that I am not in violation of the modification agreement in that satisfaction of the aforesaid tax lien was not a condition precedent to have a final modification agreement. Also, I promptly made payment to the XXXX to satisfy the lien and the delay in filing satisfaction of lien was not my fault since I don't have control over the internal operation of XXXX XXXX XXXX Department of Finance.
It is submitted that the PHH mortgage decision to denied and cancelled the modification agreement which they prepared and signed by me is capricious, arbitrary, unconscionable and breach of the same agreement since satisfaction of tax lien was not a condition to a final modification agreement.
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| 09/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a mortgage loan that is being serviced by OCWEN and they are not providing me with an opportunity to save my home from foreclosure. Their representatives have made it absolutely impossible to have my loan reviewed for any form of assistance as I keep getting bounced around for person to person when I call them. I do not have an accoun tmanager who is assigned to my file because they keep switching out my single point of contact and this is making it impossible to get straight answers. Due to XXXX, I had some lost income which hurt us financially and we had to fall behind on our mortgage, but we are now back on our feet and want to work out our mortgage issues. However, OCWEN has other ideas and are restricting our ability to access obtain a loan modification that could help our situation. Our problems began even before I had XXXX when we refinanced our loan. We needed to reduce our monthly mortgage payment and wanted some money for our sons college education. After we refinanced our payments kept going up and up. Apparently we were given an adjustable rate mortgage when we were told it would be a fixed mortgage. I believe we were conned into a toxic loan when we refinanced our mortgage. This hit us very hard since we expected our mortgage payment to stay at the newly reduced payment, but our mortgage payment continued to climb. The loan should have never been written and we were tricked into refinancing into a loan that had little benefit to us. My XXXX weakened us financially and we needed some help with our mortgage payment. When we contacted them our loan was current and they said they could not help us until we were delinquent on our mortgage. We were stopped making payments based on their advice, but this turned into a nightmare as we can not get OCWEN to complete a review for retention options on our property. OCWEN doesnt appear to be doing anything to move things forward and this has become incredibly frustrating. We feel that OCWEN has no interest in helping our family and that our request for assistance is going nowhere. We see that the United States Government fined them over {$2.00} billion for this type of activity and gave them billions more to help homeowners, but this apparently isnt enough for them to help us. We are hoping you can help us deal with the issues we are having with OCWEN.
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| 04/02/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX I got a loan from XXXX and was having the monies auto-draft from my account until my monies went from less than {$850.00} to more than {$2300.00} in XX/XX/XXXX. I was trying to get a lawyer to help me with this crazy increase for the 18months I had this load before I was advised to give it up, because the housing market was going crazy and no one had any answers. So, I let the house go into foreclosure. In XX/XX/XXXX, I received an application from the Virginia Attorney General telling me that I was owed my money back and I had to fill out this application and e-mail it back to them. I did this and have been waiting for my monies every sends. By XX/XX/XXXX, Virginia got XXXX XXXX dollars to refund monies back to people that lost there home from the loan scam and I didn't get a check. I called the Attorney General office and after no clear answers to my questions, I moved to XXXX to see what happen to my check. It wasn't until XX/XX/XXXX that some one at the Attorney General 's office informed me that XX/XX/XXXX participants was cut out of the deal between XXXX XXXX XXXX for the loan scams to pick-up loans from XX/XX/XXXX and up. I asked them where does that leaves me. No one had an answer at the time and told me to keep in touch to learn how XX/XX/XXXX was going to get compensated for their refund. I have done just that up until XX/XX/XXXX when the Attorney General allowed Lawyers to help out people that had not got their monies back. I contact a lawyer whom was referred to me by his daughter whom gave me his cell phone number in XX/XX/XXXX. He gave me his office number and ask me to make an appointment. I complied and after we met he ask me " XXXX what you going to do with all that money? '' I didn't reply because it was a bias question. He dismissed me and told me to call him the next day. I called him and he said that he was not going to take my case. So, I wrote to Washington D.C. to President Obama and ask for help. They sent me information to contact someone and they gave me the same lawyer. I contacted XXXX XXXX housing and they sent me to the same lawyer. I contacted the County of XXXX and they too gave me they same lawyer. For the last few years I have been trying to get someone to help me with my case and was told that that was the only lawyer around here that handle that kind of case.
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| 09/29/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX modified her mortgage which payments was XXXX} per month XXXX started Making payments of {XXXX} by ph as always, on the XXXX month her ph payment was refused due to not having a signed contract which was never presented to XXXX. XXXX never seen the said contract but asked for a reinstatement due to not getting the contract. XXXX was told she was denied do to not signing. XXXX explained to Ocwen that she never seen the contract, and asked how was it sent due to her mail being sent back to senders which we have proof of court doc 's that were sent to XXXX, and the courts emailed XXXX the proof of mail that was sent back with the right address which the XXXX is also witness to. XXXX has asked for a copy of the note holder Ocwen will not reply with the said information. Ocwen sent XXXX to a modification workshop in XXXX Ca where staff told XXXX not to sign or pay anything due to it would change the terms of the said contract. Ocwen has hot showed proof of any contract but took said amount of {XXXX} for XXXX months but never sent a contract but took the money without a contract which shows XXXX new payment was and should still be {XXXX} by taking said funds they excepted the contract we were asked to show proof which is payments taking in a lower amount then it had been. so under the contract law we would like the {XXXX} back along with every fee applied from the day the new payment was excepted. Ocwen has been told times and ph numbers to call they still insist on calling the wrong numbers in each email they are told whom to call what time to call ect but still does n't apply to the direction giving to them XXXX has severe XXXX XXXX XXXX and XXXX XXXX which Ocwen has on file this has been so difficult with XXXX being sick.
also Ocwen was asked to send a copy of the contract that was sent out for the {$XXXX do you know they sent a contract from XXXX its like they understand but they play like they do n't. also after the modification request do you know the modification offered was for {XXXX} dollars we do n't understand how its help when your not helping that just sent XXXX in to a downward spiral where we had to call the XXXX to afraid she my harm her self we have to watch her in this mind frame she just mite do something to hurt her self. I am c/o XXXX and my name is XXXX XXXX XXXX XXXX C/O XXXX XXXX
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| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen Loan Servici ng messed up my escrow account and increased my payment from approx. {$600.00} per month to over {$1100.00}. This caused me, as a single mother of XXXX minor children, to go into foreclosure. I repeatedly filled out the RMA loan modification requests ; more than 10 times in fact. Finally, after literally years of sending the RMAs over and over again and begging them constantly for a loan modification, Ocwen finally sent me a loan modification titled " Home Affordable Modification Agreement ''. T he modification was incorrect in the amount owed, it said I owed {$130000.00}, when in fact I owed approximately {$93000.00} . ( th e original loan amount was {$77000.00} and I had paid on it for years prior to Ocwen 's mess up with my escrow account ) Even though the amount they claimed I owed was wrong, I accepted it anyway to save our family home. I accepted it, but asked them to correct the balloon payment that was attached to the modification agreement at the end. The balloon payment at the end should have been {$38000.00}, not {$93000.00}. I explained to Ocwen over and over again to please look at their modification agreement and then look at their attached balloon payment. It was simple math on the modification document and the balloon payment attached to the modification agreement was wrong. I begged them to just fix their error and told them repeatedly we would accept the modification agreement ( even though it was tens of thousands more than I owed ) with the balloon payment fixed to reflect the actual modification document it was attached to, i.e., {$38000.00} balloon payment at the end, not {$93000.00}. I have had to pay attorneys to fight the foreclosure for years, I have paid forensic auditors to show Ocwen I did n't owe what they claimed, etc. I was willing to pay way more than I owed them if they would just fix the balloon payment. This is almost hard to believe that this is not purposeful fraud on Ocwen 's part. Obviously, we all see in the media the multiple times your office, the CFPB, and XXXX XXXX XXXX XXXX 's Office of Mortgage Settlement Oversight has fined Ocwen for this exact kind of false and deceptive trade practices. Please, please please help me before Ocwen causes us to lose our family home. I am a struggling single Mom. Our home is all I have. Thank you.
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| 02/16/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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After a job loss, we applied for a loan modification XX/XX/XXXX. After several months of providing the same info repeatedly, it was finally approved XX/XX/XXXX. Although all payments since then have been timely, every month since then, Ocwen notifies us that our payment is late. When they call to ask for the payment, I provide them with payment details. Then I 'm placed on hold and when the caller returns to the line, they tell me I 'm right. The payment was being held in " SUSPENSE '' which they will remove and apply to account. This happened EVERY SINGLE MONTH except once in XX/XX/XXXX. XX/XX/XXXX, Ocwen decided to try to withdraw my payment from my savings account even though I authorized payment through my checking. I provided proof that I had authorized checking, not savings and proof from my bank that Ocwen tried to withdraw from savings, not checking. This did not stop them from reporting the payment as being late to XXXX which has now caused me to have a drop in my credit rating. This, in turn, has caused my interest rate to be much higher on a recent car loan. I pay the upcoming month 's mortgage by the last Friday of every month. Most times, when I go on to their website, it wo n't allow me to pay the upcoming month because it 's falsely reporting the last month 's payment is late. When I speak to a rep to explain the problem, again, after they place me on hold, come back on and tell me I 'm correct, then tell me the website will be updated and will allow me to make the upcoming month 's payment. And I try again, and it fails again. SO I call them back and they want to charge me $ $ $ to accept a payment over the phone.
I 've spoken with Ocwen reps repeatedly. Every time I 'm told they have flagged my account and that the 'suspense ' will be removed but it continues to happen every month. They 're reporting me as being late to credit bureaus which is having an adverse affect on me which is completely unwarranted. They harass us, by leaving handwritten notes on our door, repeatedly calling us at home, cell and at work. The most frustrating part is that we are NOT LATE on our payments! If there were any way to refinance with another company, we would 've done it. But we 're stuck because they 're falsely reporting our payments are late.This is the worst company I 've ever dealt with - We need help!
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| 09/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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This is an addition to the previous complaint # XXXX : After begging Ocwen for a Short Sale package they finally did, however it took 2 days to send the documents. However there is concern of FRAUD from Ocwen. Here are the details.
1.The XXXX system they use would not allow me to see the documents, because I needed an email from them to activate the account.
2. I advised Ocwen of this, and they said they would put a package in the mail and would also send the documents thru their company e-mail.
3.At XXXX XXXX and 2 days later, I received the company e-mail with the XXXX page document attachment.
4. Amazingly, after I received the document, the XXXX, security activation e-mail came thru. ( 2 days later as well ) 5.I went to my bank to fill the paperwork out and the bank ( XXXX XXXX ) faxed the package. Ocwen said they did n't receive it.
I asked for another fax number and I got, Rep # XXXX, and faxed the second time, from the same bank, to Attention XXXX and she said she would call when she received it, it was her direct fax line.She never called.
6. Yesterday, I called and verified that it was there with rep # XXXX and he said they did receive the XXXX page package from the bank.
7. Here is the potential FRAUD, page XXXX, income information.
a.On the documents sent by Ocwen, page XXXX ( income page ) it has my spouse salary as XXXX a month and my weeky salary at XXXX. These numbers were already filled in by Ocwen. These figures are incorrect and these figures HAVE NEVER BEEN THIS AMOUNT!
b. On the " secure documents from XXXX '' the salaries were increased amounts, his was XXXX per month and mine was XXXX per week!
c. On yesterday, I received the mailed package and, page was completely empty, no salaries were listed.
Note : I have been dealing with this kind of problem for several years. I originally wanted to keep my house. At this point, I want to get a reduction on all of the inflated fees on the mortgage, and the ability to avoid foreclosure and complete a short sale my home and receive a relocation package. My spouse is a Veteran and served his country faithfully, both of us have worked hard and I still do, we just want to be treated fairly and Ocwen has not done it.
It appears they just want to foreclose XXXX XXXX by any means necessary. Your help is very much appreciated in this matter.
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| 10/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH is my new loan service company. My old service company is XXXX.
PHH began to service my loan and PHH does not acknowledge the mortgage payments that I made during XXXX, before PHH began to service my loan.
I want PHH to honor the loan modification agreement that I signed while my loan was serviced by XXXX and which should still be in effect at PHH.
I want PHH to correct the late payment errors on my credit report.
I applied for a loan modification and XXXX mailed a letter to me dated XX/XX/, stating, You have been approved for the foreclosure prevention alternative : Flex Modification. ) On XX/XX/XXXX I phoned XXXX from my attorneys office ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX ). With my attorney listening in as a witness, I made the three required trial plan payments of {$890.00} for a total of {$2600.00} ( confirmation # XXXX ).
That weekend I checked my checking account and did not see that the payment of {$2600.00} had cleared my bank. I was worried that the XXXX representative had made and error, so I made another payment of {$890.00}, which is the amount for one month. On Monday, XX/XX/, all of the payments had cleared my bank. At this point, I had made a total of four months payments.
XXXX mailed a letter to me dated XX/XX/XXXX stating, You are receiving this letter because we have received your final trial plan payment, which means you have successfully completed your trial plan period.
XXXX mailed to me the final loan modification documents with a XXXX envelope. On XX/XX/, I took the documents to my attorney XXXX XXXX, to review. I signed the documents and they were notarized by my attorneys office. I placed the documents in the XXXX envelope and put the envelope into a XXXX drop box. XXXX acknowledged that they received the signed final loan modification documents. XXXX mailed me the final executed modification agreement dated XX/XX/.
I continued to make my mortgage payments.
XX/XX/XXXX {$890.00} XX/XX/XXXX {$1000.00} ( I paid {$1000.00} via my bank online because a XXXX employee said that I had to pay this amount. ) XX/XX/XXXX {$890.00} XX/XX/XXXX {$890.00} XX/XX/XXXX {$890.00} XX/XX/XXXX {$890.00} PHH is not crediting me with the payments that I made and PHH says my loan is in default because PHH says that I have not made any payments in the year XXXX.
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| 08/26/2016 |
Yes |
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- Settlement process and costs
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Web |
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Some years ago I was paying XXXX a month and went to refinance I was told it would be XXXX a month. When the settle date came the officer came to my house she was from a service. The rate was a lot higher at XXXX I called the bank rep and he said go ahead and sign it will be the XXXX it never did and I could get nothing from him. It killed me and caused me all kinds of financial hardship. I have not been able to make a payment after the XXXX a month drained me. I have been in bad health and have XXXX. The bank was indymac, XXXX, XXXX and someone else. I paid a lawyer who stole XXXX promising me a loan mod & gt ; Mortgage lawyer XXXX was the name. I also went through XXXX XXXX XXXX XXXX 3 times i did the paper work and they had me redo it it was totally finished and submitted by a hud rep XXXX XXXX. I did it a 4th time with XXXX XXXX it was totally completed and then they said we had to redo it because the bank changed. I was scammed into the mortgage and the appraisal on my home was inflated. I asked about it and they said it was ok. I am a minority XXXX and this is not fair. I believe the lender was also racist as I could and should have qualified for a loan mod. I am trying to have a short sale now and have a lawyer but I am not sure what this one really is doing. I have lost a ton of money and can not even pay. I just want this nightmare to end. I tried several times to find out what legal action I could have and was turned away. Seems like people of color always are. I need help what was done to me is wrong I have been bankrupted and almost divorced. It has been hard to sleep or live for years. I have been threatened and embarrassed to the utmost a man came to my house at XXXX one time and taped papers to my door. I have not paid and I was promised a trial mortgage by my crooked lawyer who had me list the house and then tried to buy it in short sale but i would not sign when i found out he was part of the deal. XXXX, Indymac and whoever else isaoa has been horrible to deal with. I think they just want the house. I have kept it up hoping that i can get somekind of relief. I want to pay but not XXXX a month its not fair and is criminal i have been in contact with the bank and feel they are racist and do not want to help me .Please help me Please this can not keep happening to people of color in this XXXX
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| 01/19/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX, XXXX as trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX ( " Assignee '' ) on XXXX XXXX, XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX, XXXX XXXX District Registry of Deeds, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX.
Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell, assign, transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/XXXX and recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, Texas, encumbering the real property described as follows : Lot XXXX XXXX XXXX, a subdivision in XXXX XXXX, XXXX, According to the Map or Plat of Record in cabinet XXXX, Plat records of XXXX County, XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, XXXX. This illegal behavior by Ocwen Loan Servicing , LLC has created a cloud on title to real property under Texas state law.
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| 05/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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After my husband who was the sole breadwinner of our household became ill, are property fell into foreclosure. We put the property on the market and received an offer in XX/XX/XXXX. The offer was submitted to our loans servicer for a short sale approval. In XX/XX/XXXX, the buyer canceled because the bank took too long. Then in XX/XX/XXXX we received another offer which we again submitted to the bank for approval. Since XX/XX/XXXX we have done everything asked of us from the bank to attempt to obtain an approval. The bank again delayed, delayed and delayed some more. Unfortunately, in the course of attempting to secure the short sale approval, my husband died. Each time we have presented the bank with an offer they reject it for being too low. The buyer came all the way up to {$540000.00}. The lender has had this offer since at least early XXXX. I ordered an independent appraisal of the property earlier this year which came back at {$510000.00}. Today when we contacted the bank, we were advised that on XX/XX/XXXX an appraisal was conducted and home appraised at {$470000.00}. When we asked about the status of the {$540000.00} offer that the buyer had submitted several months ago, we were advised that the offer had been declined by the investor. I was shocked. I do not understand how an offer which is {$70000.00} higher than the bank 's own appraisal could be rejected. After researching the matter a bit on the Internet, I realized that since this is a servicer who owns this loan, it may be that they are trying to delay the process to make more fees on the servicing of the loan. Or, in the alternative, perhaps the owner of the loan is simply going to make more money from a mortgage insurance claim. I can't figure out why this is happening to us. I have made a good faith, diligent effort to attempt to minimize the bank 's losses and to try to salvage what's left of my credit. However, the bank continues to delay and demand documents that have been submitted on multiple occasions and requiring the buyer to increase their offer which by their own admission is {$70000.00} more than the appraised value. I am no attorney but this seems like a highly unfair and deceptive business practice which this investor and their servicer are engaging in. I would appreciate any help you can provide in investigating this matter.
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| 08/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance.
I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time.
Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact.
I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact.
Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed.
I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply.
The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done.
MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.
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| 07/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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QUESTION : Im told by PHH/Ocwen and XXXX XXXX that they dont know who the registered agent is for the former GMAC Mortgage Corporation. They do know that all of the paperwork/files were transferred to an attorney firm at some point. They are not customer facing or a loan servicer and do not reply to requests for information.
Does anyone know who the attorney or law firm that was assigned as the registered agent for the former GMAC Mortgage Corporation?
Background : Property with GMAC Mortgage Lien Requesting Discharge : We are seeking a discharge for the original GMAC mortgage and note that was paid in full/satisfied back in XXXX through a loan refinancing through XXXX XXXX XXXX. A discharge was required to be recorded by GMAC in the XXXX County NJ Clerks Office, but they apparently failed to do so and it was not discovered until XX/XX/XXXX when we went to sell the property at XXXX. I'm prevented from transferring clear title to the buyer because of this so I need a discharge immediately. The property at XXXX was sold on XX/XX/XXXX. However, the title company is withholding {$10000.00} in escrow from the sale proceeds until this GMAC mortgage lien is resolved.
Overview : XXXX ( husband/wife ) need to obtain a mortgage discharge for a former GMAC Mortgage.
During the recent sale of our primary home at XXXX, we were informed by the Title Company ( XXXX XXXX ) and the XXXX County ( New Jersey ) Clerk Records Department that we have a GMAC mortgage shown as outstanding. The original mortgage was with GMAC Mortgage Corp of PA loan # XXXX for {$200000.00} dated XX/XX/XXXX. Borrowers were XXXX. We purchased our newly constructed home at XXXX in XX/XX/XXXX for {$280000.00} financed with a {$200000.00} GMAC mortgage.
This original GMAC mortgage dated XX/XX/XXXX was subsequently refinanced in XX/XX/XXXX at a lower interest rate with XXXX XXXX XXXX XXXX # XXXX for {$200000.00}, but apparently the GMAC mortgage was never discharged properly with the XXXX County Clerks Office during the refinancing process. The refinanced {$200000.00} mortgage with XXXX XXXX was apparently sold/purchased by a few banks and eventually was acquired by XXXX XXXX loan # XXXX. XXXX XXXX was holding the loan when XXXX fully paid off the mortgage and XXXX XXXX properly discharged this mortgage with XXXX County Clerks Office.
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| 02/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I went into financial and physical hardship. I hired an attorney from advice from my realtor XXXX XXXX ; realtor license : XXXX and was directed to XXXX XXXX ; CA Bar License # XXXX, XXXX XXXX ; CA Bar License # XXXX, which I paid them {$5000.00} XX/XX/XXXX to represent me in my fight to get a loan modification. My first loan was with XXXX XXXX for {$450000.00} Loan Number XXXX and second loan with XXXX Loan Number XXXX for {$43000.00}. I went through all the necessary steps and GMAC approved and we entered the Loan Modification Agreement on XX/XX/XXXX. We were in agreement to make 3 consecutive months payments at {$2300.00}. After making XX/XX/XXXXand XX/XX/XXXXpayments, a representative from GMAC named XXXX, informed me that I didnt need to pay the third month since I honored the first two payments. Subsequently, GMAC without my authorization nor knowledge, paid my property taxes which I was not in default. Soon after, GMAC changed the terms and required me to make a {$4200.00} payment which will cover the tax payments they made on my behalf. Unfortunately, I didnt have the financial ability to make that payment due to my hardship. XX/XX/XXXX my property went into default and into foreclosure. XXXX XXXX and XXXX XXXX then forced me into a short sale, in addition to making me pay 3 % ( {$8300.00} ) for the closing costs. XX/XX/XXXX my home was sold in a short sale. Complaints ; 1.Breach of contract, loan modification agreement. 2.Violation of civil cod Section 2923.5. 3. Breach of the Implied covenant of Good Faith and Fair Dealing to Honor Loan Modification Agreement. 4. Promissory Estoppel from denying loan modification. 5. Violation of Civil Code Section 17200. 6. Declaratory Relief of Loan Modification Agreement.
I believe I was discriminated against based on my ethnicity, skin color and socioeconomic background, in addition the transactions and the course of action that took place throughout this process. The attorney 's I hired to help save my home, took advantage of my financial hardship and sold my home in a short sale. I don't understand how I was approved for a loan modification, then I " didn't qualify '' and soon after, my attorney 's sold my house in a short sale. I gave all necessary information, including all paperwork for the HOPE and HARP program for loan modification.
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| 04/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We are encountering a problem with Ocwen Loan Servicing that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop this behavior.
Ocwen does not answer its phone and it is not returning any messages while it is at the same time trying to sell our home on XX/XX/XXXX.
9 calls now : 1. ) Tuesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer is trying to illegally sell their homeespecially when it is illegal. We dont even know if these lawyers who are trying to sell peoples homes even have instructions or any authority to do what they are doing. We have to know what is going on in this situation. We have been continually fighting these problems with Ocwen, and the situation just keeps getting worse. They have been sued a number of times by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by Ocwen must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.
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| 01/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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I entered into a modification and assumption agreement on a property from my daughter 's estate ( attached ). Ocwen sent my paperwork to an attorney who was no longer my attorney. I did not want the attorney office involved in or having knowledge of my personal affairs because they made a mess of my finances preying upon me and financially exploiting me. I am a senior citizen and Ocwen has taken advantage of me.
I finally got the paper work returned to me signed it and returned it to Ocwen with the first payment that was due. I have made the payments. Ocwen lied about the terms of the assumption and modification. Someone sent me a copy of the numbers used for underwriting telling me to check into it something is wrong ( attached ).
Ocwen is telling me they gave me a XXXX dollar credit, when infact they tacked on XXXX XXXX or more to the loan and added a {$5000.00} balloon payment at the end of the loan. In addition, Ocwen added a bunch of junk charges {$3800.00} to the loan XX/XX/XXXX that were supposed to be removed when the loan was modified and assumed by me. This has never happened. I'm in a trial period where payments are current but I'm also in foreclosure, and Ocwen is trying to transfer the loan to XXXX XXXX?
Ocwen has totally ruined this entire mortgage loan and assumption with their deceit and lies. I have tried contacting the relationship manager assigned to me, XXXX XXXX but have never been able to speak with him. I started writing down names because no one is calling me back or trying to correct these servicing issues.
Ocwen is trying to transfer my loan to " XXXX XXXX '' to cover everything up. I spoke with XXXX XXXX, and he asked me who told me there was a baloon payment at the end of the loan and how did I find out?. XXXX XXXX has never called me back or addressed the problem. When I tried calling back I got XXXX XXXX who hung up on me because she did not know what to do and would not get someone who might have known. Ocwen can not transfer this loan until these servicing errors and numbers have been corrected. I requested a payment statement XX/XX/XXXX and have yet to receive it. There were payments made that were not credited to the mortgage account.
These mortgage companies are worse now than they have ever been and there seems to be little if any recourse for the consumer.
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| 12/08/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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OCWEN Loan servicing on behalf of XXXX XXXX, engages in unethical business practices and predatory lending by offering loan modifications in lieu of foreclosure, that take complete advantage of the consumer.
In XX/XX/XXXX, I was offered a modification ( Shared Appreciation to lower my principle balance ) that was acceptable to both me & Ocwen/XXXX XXXX when my Father died, and I became behind on the payments. I reinstated this loan as soon as I was working, and Ocwen/XXXX XXXX RECINDED the Shared appreciation reduction in the form of a {$50000.00} a balloon payment, AFTER having me declare it as income because the loan was current!!
Still, I paid faithfully until XX/XX/XXXX when I lost my job. Since then, I have been working part time, and have " successfully qualified for a modification to have my loan remain current ; '' IF I make three " trial payments '' successfully.
OCWEN/WF provided a trial monthly payment that was barely feasible, and I was to pay it on time for 3 months with NO INFORMATION ON THE " AGREEMENT '' I WAS PAYING TOWARDS!
I successfully made the 3 trial payments ( XX/XX/XXXX-XX/XX/XXXX ) and was FINALLY sent the modification loan documents that had been previously withheld -- I REFUSE TO SIGN THIS AGREEMENT! IF I sign these papers, I will now have a new 30 year loan, AND a {$110000.00} balloon payment!!!
When I inquired as to the loan balance on my current loan, they refused to give it to me, until a property inspection could be done!!
OCWEN/XXXX XXXX makes it VERY clear in these new loan " modification documents '' that they do NOT have to make any such offer & will pursue foreclosure if I do not agree to the terms, unless I can reinstate the current loan ( that they refuse to tell me what I owe on )!!!!
OCWEN/XXXX XXXX also added TENS OF THOUSANDS OF DOLLARS IN FEES to the loan balance!
This is PREDATORY LENDING!!!! They have me in a very bad position with no choice other than to agree to these PREDATORY LENDING TERMS!!
I would like someone to review this on my behalf -- XXXX XXXX has been shown to have unethical business practices in banking, and OCWEN is involved in a class action suit regarding their collection practices.
I have absolutely no doubt the terms as they have been withheld & then presented ONLY AFTER I made 3 payments, violates a number of rules.
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| 08/17/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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In XXXX I approached another lending company to refinance my mortgage from Ocwen to XXXX XXXX XXXX XXXX. Unfortunately due to my loan to value I was unable to refinance my balloon out from under Ocwen. I was referred to XXXX XXXX XXXX XXXX XXXX to gain some assistance in a possible modification program. I completed the paperwork on time, as requested by Ocwen and received the trail plan program information shortly thereafter. The trail plan program required that I make XXXX monthly payments of {$300.00}. As recommended by Ocwen, those payments were wired every month on time. After the XXXX payment was made I received the modification agreement and a new maturity date of 20 years with a payment due of {$300.00} every month. The modification program has been in place since XXXX XXXX. Every month I wire my payment on time for the exact amount as state in the modification agreement. In XXXX XXXX, I received my XXXX past due notice stating that I owed Ocwen {$1000.00}. I immediately got on the phone and after being placed on hold for a while we were told they would have to call back, but they were looking into it. We were never called back. The XXXX time we called we got a supervisor who was able to determine that something had went wrong in the modification process on their end and funds were charged to the loan in error and my payment was held in unapplied. XXXX XXXX, a supervisor with Ocwen, assured me they would have the problem fixed and I would receive no more letters. Unfortunately that was not the case. I have still continued to receive letters stating my loan is past due and could result in my home being taken from me. Every time I call I get the same answer, we are so sorry this has happened, but no one seems to be doing anything to resolve it other than offer an apology. To make matters worse, they reported my mortgage late in XXXX and XXXX on my credit report. I have never had a late payment on my mortgage since I financed the property since XXXX. Now my credit is damaged for no reason. I hate to file a complaint, but this is getting very frustrating and I hate the thought of Ocwen doing this to other people. Please help me get this problem resolved with Ocwen. I refuse to spend anymore of my time holding on the phone while someone looks into a problem that no one at Ocwen seems to care to fix.
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| 08/12/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have had mortgage forbearance through the Coronavirus Aid, Relief and Economic Security ( CARES ) since XXXX as it has been extended until XX/XX/XXXX. A white envelope has mailed by the mortgage company arrived which contained Mortgage Modification documents along with other documents required to completed by the NOTARY PUBLIC OFFICER.
I have taken such documents for the Notarization as directed and mailed completed documents within said due date to the mortgage company in provided stamp free envelope. The required documents has notarized and mailed twice in different dates after talking back and forth without resolving errors & delayed in process to complete Loan Modification has caused Rejection by the MORTGAGE SERVICES.
I noticed on my credit report that my mortgage company is reporting monthly to the credit bureaus that my balance has increased. In addition my sons and my score dropped XXXX points. My credit reports now say my mortgage balance is over {$16000.00} more than I actually owe. I read that " As part of the Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. Also adding incorrect information, and decreasing my credit score due to this erroneous information?
One final note Our account XXXX myself & my sons ) in good standing when the forbearance began.
I would like explanation on error from MORTGAGE Company on following issues as follows.
1. MISCOMMUNICATION WHILE PROVIDING INFORMATION TO COMPLETE MODIFICATION DOCUMENTS.
2. FAILED TO PROVIDE SIMPLE & CLEAR POINT TO POINT INSTRUCTIONS IN BASIC ENGLISH FOR NOTARY PUBLIC OFFICER.
3. AS CALLED TO SPEAK WITH THEM ( WHO EVER PICKUP PHONES ) UNABLE TO SPEAK CLEAR ENGLISH TO BE UNDERSTAND ). NOR UNABLE TO PROPERLY RECTIFY ISSUE BY SAYING, THE COMPUTER SYSTEM IS SLOW, THE MODULE ARE NOT FULLY LOADING ON THE COMPUTER AND APOLOGIES REPEATABLY WITH OUT LISTENING & SOLVING THE ACTUAL ISSUE.
4. ALSO WHEN EVER HAVING PHONE COMMUNICATION FIRST WORD COMES OUT OF THERE MOUTH IS DEMANDING FOR THE DUES WITH THREADING.
I would like this matter to be rectify in professional manner in the COURT OF JUSTICE to teach such company a lesson by revokes their license to practice in the STATE OF TEXAS for minimum of 10 years.
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| 01/26/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled.
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen.
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer.
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy.
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account.
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.
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| 09/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy.
I may still cooperate with the agreed entry.
The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up.
Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out.
If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied.
Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX.
I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX.
Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX.
Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue.
Thank you!
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| 04/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying?
It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services.
Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}.
Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}.
Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ).
Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX.
WHAT HAPPENED TO THE OTHER {$1000.00}?
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
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| 08/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.
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| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I am in the process of a modification and want to express my gratitude for the opportunity without the unnecessary additional cost of litigation. Before the process, that was a long and drawn out experience to begin with, I sent all the necessary documents and was approved for a trial period.
Before I agreed to do the trial period, I specifically asked whether or not a ballon payment would be included. It was explained to me that there was not going to be a balloon Payment as part of my modification. During many recorded calls, I explained I would not accept the Modification if it included a balloon payment as it is not financially possible for me to do so. Ocwen 's employees told me numerous times on the recorded conversations there was no balloon payment included in my modification offer. After timely making the trial period payments, I received the motivation documents which I was surprised to see included a required balloon payment of over {$34000.00}.
This seems to me to be a violation of the Truth in Lending Act ; as well as, purposeful misrepresentation to obtain my trial payments with no real intent to offer a feasible modification.
Originally, Ocwen told me in order to qualify for a modification, I must be behind on my mortgage payments and suggested I purposely miss payments. Since my house is underwater, I was unable to obtain a refi. After calling Ocwen to try and fix the issue, I was told I should just catch up and there would be no further issues. Because of Ocwen 's promises, I paid over {$5000.00} to Ocwen in order to get the modification.
After my call of XXXX XXXX, 2015 to discuss the mistaken requirement of a balloon payment, Ocwen said they would review the tapes and see if I was told there would be no balloon payment but that the modification had to be accepted ( with the balloon payment ) no later than XXXX XXXX 2015.
I do not believe Ocwen will have the time to properly review our previous telephone conversations before the modification offer expires. Therefore, please confirm in a responsive writing that Ocwen is in fact reviewing the recorded conversation and that the modification offer expiration date is continued until the investigation is properly concluded.
Thank you for your assistance and I look forward to resolving this issue without involving my attorney.
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| 10/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Following -up on case # XXXX which I disputed as follows : We have been going back and forth on the same issue : i.e. Ocwen does n't need to file a XXXX since there was no XXXX continuation ; however, Ocwen has been stating that did report the payoff to the county _ XXXX I know how did Ocwen did the reporting - letter, phone call, signs, announcements, etc ; whatever they did and in my estimate it could only be in writing therefore the need for a document - I request that Ocwen sends me a copy of 'the document ' they gave the county to report the pay off.
With regard as your investor being XXXX XXXX, ( 1 ) please see your letter dated XXXX/XXXX/XXXX second page first paragraph in which you indicated that XXXX XXXX was the investor ; hence reason why you had shared related loan information with them.
( 2 ) See my letter dated XXXX/XXXX/XXXX to XXXX XXXX who indicated that XXXX XXXX had assigned note to XXXX XXXX XXXX in XXXX ; hence reason for their filing of a XXXX which later got cleared. ( copies of UCCs attached ).
( 2 ) How is it that XXXX XXXX who says assigned the loan to XXXX XXXX XXXX and files a XXXX in XXXX still owns the note with OCWEN servicing the loan on their behalf until XXXX and there is no UCC continuation ( by the way I never dealt nor did I know XXXX XXXX XXXX 's existence before XXXX when I close on another apartment ) and how is that Ocwen now has XXXX XXXX as the investor owner of the loan when you indicated that XXXX XXXX had assigned the loan to XXXX XXXX (? ) did XXXX XXXX assigned and the retrieved the assignments back and forth?
( 3 ) With regard to late payments, my question was 'why did Ocwen held this loan in their collection unit ' when the loan as you pointed out had a minor late payment. ( which was, by the way, an error on Ocwen because I have never been late on paying this mortgage ). Please advise I also enclose copies of the XXXX originally filed by The XXXX XXXX Bank in XXXX which was cleared the same date. Your investor had taken over the note at the time but did n't file for a XXXX but decides to file XXXX in XXXX (? ) why I hope you understand my confusion and why your repeated same answers do not offer any clarification. Hopefully my questions are clearer and you can address them accordingly. I 'll be happy to clarify them for you should you need to.
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| 07/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX my mortgage with PHH Mortgage matured after 15 years of payments. The company says they sent one letter in XXXX, XXXX to let me know the loan was set to mature. They have also admitted there was no other communication regarding the loan.
I did not realize the loan had matured and continued payments, which were accepted by PHH until XXXX, XXXX. The XXXX payment was returned to me and it was then I was informed the loan had matured. I contacted PHH and was told I needed to pay the full amount of {$55000.00} at that time.
I contacted PHH to do a modification to my loan and had was told to submit my application as soon as possible. On XX/XX/XXXX I submitted the required documentation and received a letter dated XX/XX/XXXX saying my application was complete.
My customer service representative, XXXX, informed me on multiple calls that I had completed the application and thanked me for being prompt. During this time my credit score was dropping due to my non-payment on the {$55000.00} balloon, but since I was working with the company, I had been told I would not be held accountable for the loan as it was " in process ''. I was later told this was incorrect and I was unable to get a loan anywhere else, so I was forced to continue using PHH.
On a call on XX/XX/XXXX I was told there were items missing from my application, even though I had a letter from PHH saying my application was complete. I was told my pay stubs, and application were all older than 90 days and were not being accepted. The fact was my documents were less than 30 days old, and there was confusion among the three customer service representatives as to what was actually needed. After three hours on the phone it was found my application was indeed submitted less than 90 days before, but the clock had restarted on the 30 day timeline PHH had to act on my application, which forced my credit even lower and ensured I either paid PHH the {$55000.00} ( which I do not have ) or get the terms of loan if they decide to give one to me.
I feel their practice is predatory in nature and has forced me to use their company at the terms they set. The company admitted I had never missed a payment in 15 years and even paid XXXX extra months when the loan matured. Their customer service was aggressive on occasion and less than helpful.
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| 08/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX ( via servicing arm XXXX ) transferred servicing of my loan to PHH Mortgage, formerly known as Ocwen.
I received a notice of servicing transfer from XXXX. I received no such notice from PHH. The effective date of servicing transfer is today, XX/XX/XXXX. I called PHH on XX/XX/XXXX to make sure that they were in receipt of my loan, and that my mortgage clause would be changed on my homeowners insurance binder. The agent on the phone went to " check with their insurance department '' and promptly hung up the phone. I decided that this was no big deal, I would wait until XXXX to make sure things went smoothly with the transfer. I left a message with my insurer, XXXX, asking whether they were aware of a servicing transfer. I never received a call back.
I attempted to call PHH again on Friday, XX/XX/XXXX during their stated business hours. However, when I went through the automated phone system, the line disconnected. Nobody answered my call no matter how many times I tried to call them.
It is now XXXX. I have not received the notice of servicing transfer from PHH, only from XXXX. When I attempt to create an account to make a payment with PHH, I am unable to do so, and the website/app are telling me they are " unable to find your loan. '' I am entitled to pay PHH beginning today, but I have no way to view my mortgage account. I can not call them on a weekend, since they have closed their call centers. The PHH automated phone system does not give me any information about any loan they are holding, despite the fact that they are my servicer beginning today.
Additionally, I have learned that I will need to pay a fee to make ACH payments. I view this as an unreasonable fee and an undisclosed interest payment. This is unacceptable. The CFPB needs to do something about this immediately. PHH seems more interested in letting payments go into default than letting us pay down our debt.
I am missing the transfer of servicing notice from PHH, which is my main concern. My secondary concern is that there is no way to pay them without sending a check for an account that, according to their system, is not active on the effective date of servicing transfer. If I were to send a check, how would they post it to my account if they have no records of being the servicer?
Thank you.
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| 11/16/2016 |
Yes |
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- Settlement process and costs
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Web |
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RE : Ocwen account # XXXX I have spent this past year attempting to short sale my home. I have done everything that Ocwen has asked ; submitted the appropriate paperwork, responded to and scheduled phone calls with my " XXXX '' and was given a verbal approval in XX/XX/XXXX to pursue a short sale XXXX no paperwork provided XXXX. This is after they denied me a deed in lieu and offered me a remodification that I could not afford ; they attempted to bully me into moving back into my home by denying a short sale. I have even had large orange notices posted on my door to publicly shame me ; this is illegal in the state of Pennsylvania. I regularly scheduled appointments with them to update them on the sale of my home ; their last scheduled appointment with me was on XX/XX/XXXX. Each scheduled phone call required that I begin back at square XXXX, explaining my story and reason for short sale while the " relationship XXXX '' claimed that this information was not already there. I repeatedly asked for transcripts of our conversations and even asked for them in writing but it was never provided.
As soon as I had an offer on the horizon, Ocwen stopped contacting me by phone. The first offer was submitted on XX/XX/XXXX ; they did not respond for XXXX weeks. The buyer wanted to close on XX/XX/XXXX. Ocwen claimed they did not receive the offer despite the fact that it was listed on Equator and my realtor had a confirmation receipt of the listing. My realtor resubmitted the offer. They declined the offer and said it needed to be within 10 % of the appraisal ( for which I was never provided a copy ). The buyer provided a new offer, almost within 5 % of the appraisal ; my realtor uploaded it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I contacted Ocwen to see whether the sale was approved ; the buyer wanted to close before XXXX. They stated, again, that there was no new offer, yet my realtor has confirmation of its posting to XXXX. He submitted it again on XX/XX/XXXX. On XX/XX/XXXX, my realtor confirmed with Equator tech support that an Ocwen employee named XXXX removed everything from the system pertaining to my house. My realtor now has to do it again.
This is mortgage fraud. They are deliberately attempting to prevent the sale of my home so that they can foreclose and get a payout from the federal government.
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| 06/26/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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Due to major cutbacks at my husband 's job, we inquired about a modification from our loan company and our deadline was XX/XX/XXXX. I got all the necessary paperwork and faxed the packet XX/XX/XXXX. I completed a prior modification in XX/XX/XXXX and had no issues at all and we were granted a lower payment. This time around was totally different. The loan company told me to give them 7 days to review the packet ... so XX/XX/XXXX I started calling to see if they accepted the packet. I needed additional information so I faxed it over waited 3 days and called. They had excuse after excuse ... they told me my 1 and my 2 were too close together for my zipcode. So I sent it again. Then they said the tax forms was missing a signature. I sent that 4 different time. Turns out they were requesting wrong year tax return. My relationship manager was never available I kept getting people who had no idea what they were talking about. We went back and forth until XX/XX/XXXX when they finally accepted the packet. When I received the final copy, we were supposed to review it and sign it. Still after 5 months they somehow got our income wrong so we didn't sign it and I called our relationship manager he told me to resend copy of paycheck stubs and he would fix it. So I did and called back 2 days later and my relationship manager was transferred to a different area due to a hurricane. No one at company knew anything about my account. So we got a regular statement with our trial payments and first one was due XX/XX/XXXX. So I paid it. XX/XX/XXXX the next one was due when I tried to make payment they said they wouldn't except my payment. Finally after 2 days of calling and speaking to at least 4 different employees one lady finally acted like she cared and gave me the obudsman number. I called them they couldn't believe my experience I had been having but the only thing she could offer was another loan modification. A couple days after our conversation we received the forclosure letter. We were then forced to file bankruptcy and now are drowning due to my lawyer and all the fees to go along with bankruptcy. Bottom line we have lives in our home for 10 years we've raised XXXX kids here and have paid over 30000 towards our loan. We are currently involved in a class action lawsuit against loam company. We need help
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| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Subject : Ocwen Financial Corp. Consumer Lending and Foreclosure Practices XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Good afternoon, My name is XXXX XXXX XXXX and I owned the property at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, which is now being auctioned off by Ocwen as a foreclosure.
I am writing to inform you of the horrendous mortgage lending practices of Ocwen and demand that this foreclosure be removed from my credit report and my husband, XXXX XXXX and I be removed from the property as owners of recordas this home is in limbo.
We purchased this home in XX/XX/XXXX through predatory lending practices. This loan would have never been permitted under the Mortgage Reform and Anti-Predatory Lending Act - Title I : Residential Mortgage Loan Origination Standards - ( Sec. 102 ) Amends the Truth in Lending Act ( TILA ), which was passed in XX/XX/XXXX, to prescribe fiduciary standards for originators of residential mortgages, including complete and timely written disclosure of : ( 1 ) the comparative costs and benefits of each residential mortgage loan product presented by the originator ; ( 2 ) the nature of the originator 's relationship to the consumer, including the cost of services provided by the originator ; and ( 3 ) any relevant conflicts of interest between originator and consumer.
Still, we paid on our home for 10 years. In XX/XX/XXXX, my job was moved to New Jersey and we had to move. We immediately put the home on the market with XXXX XXXX XXXX in XXXX, MA. Because we were now renting in New Jersey, we could no longer keep up with payments.
This home had multiple offers, which were approved and moved toward closing. Despite Ocwen approving a short-sale, they never followed through with any of the offers. This home could have been sold and off the books in XX/XX/XXXX. That is over 2 years ago. Instead, Ocwen pushed this home into foreclosure and still lists us as the owner of recordprohibiting my family of five from being able to secure a mortgageeven though we have very solid income, good credit and no debt. This is absolutely unacceptable and Ocwen should be held accountable.
I appreciate you taking the time to investigate this! Please share your response.
Best Regards, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
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| 02/14/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I purchased my owner occupied home in XXXX XXXX, CA XXXX in XXXX.
I used 80/20 financing from XXXX Mortgage/Litton.
I defaulted in XXXX.
I was negotiating a loan modification with Litton. Later Litton sold the 1st XXXX to Ocwen who modified my loan in XXXX, writing off about {$350000.00} of principal, lowering my loan amount from about {$570000.00} to {$220000.00}. I had to " earn '' this reduction by making timely payments for 3 years, etc.
Now I have discovered that Ocwen did not eliminate the 2nd ( from the original 80/20 purchase ).
I believe a case can be made that Ocwen should have eliminated the 2nd at the time of the modification.
By not doing so, Ocwen effectively transferred the equity/benefit of the Principal Reduction to themselves! I believe it is irrelevant that Ocwen does not own the 2nd : the current holder of my 2nd, XXXX XXXX presumably paid good money to someone for it because they are demanding {$110000.00} from me! So something that had no value was given ( my ) value fraudulently.
I believe Ocwen was " paid '' by the US Government to provide me with this loan modification because I believe it was the result of a settlement with the US Justice Dept. whereby Ocwen agreed to do penance by offering loan modification to atone for its sins.
So I believe a case can be made that Ocwen defrauded both me and the US Govt. XXXX/Litton XXXX al is also guilty because someone sold a worthless 2nd that is now worth {$110000.00}.
The 2nd XXXX had no value before the principal reduction and should have been eliminated if Ocwen had used a modicum of common sense. If they had notified me, I could have negotiated with the 2nd, just as is routinely done in Short Sale transactions were is it almost universally true that XXXX sign off for nothing or close to nothing because if the 1st is underwater and doing a Short Sale, the 2nd is worthless.
It seems to me that a case can be made that Ocwen had a duty to me because since they were modifying my loan they were in the similar position of a Mortgage Broker or Bank with Superior Knowledge.
It seems to me this is a possible test case/ class action case. There must be many defective loan modifications out there similar to mine where the banks defrauded the US Justice Dept and the borrower.
Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
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| 01/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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Case number : XXXX : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX Reply | To : Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; ; Tue XXXX/XXXX/2016 XXXX XXXX Good afternoon and now we have yet ANOTHER challenge in regard to the OCWEN error regarding the amount they WANTED as owed as to the amount they settled on a month ago.
SO, I received all documents stating that the actual amount to be paid into ESCROW was still $ XXXX and, I 've already paid in {$1000.00} of it as they gave me NO OPTION FOR AN INCREASED PAYMENT for a year possibly, but we are taking care of it so by the time in XXXX the taxes are due again, the money will be paid in. AS OF THIS PAAST WEEKEND, I received a communication stating they noticed I was having a difficult time paying my mortgage and I HAVE NOT YET EVER MISSED A PAYMENT. Yesterday, I received XXXX notices of DEFAULT and STILL have not missed a payment as I continued paying the amount of the regular house payment owed as specified UNTIL THE ISSUE BECAME RESOLVED. THIS was my obligation until they resolved the error they had made.
I do not want to be in fear of losing my home after all these years because of a mistake I DID NOT MAKE and Ocwen can not resolve. They did, as I said, give me an amount that was outstanding after they made all their adjustments from the near $ 30K originally stated and the approximately {$3400.00} that they are looking to be paid in however, no effort was made to contact ME since it was their error to have me perhaps pay in monthly as there was incidents where they have done that in the past if the amount was short for whatever reason.
I have also contacted the Ombudsman office at Ocwen about the resolve and what I consider to be another gesture IN ERROR on their part since not many people can just " find '' {$3400.00} to plunk down for a mistake they did not make.
Thanks again for your assistance and here is my account number with OCWEN XXXX.
Money is, like I stated, being paid down from the $ XXXX they stated was the amount and {$1000.00} is already sent in and processed toward the total. Next amount would go to them on or near XXXX/XXXX/2016 and then the balance in a similar frame when income tax money arrives from tax return processing.
Thanks.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
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| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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During Covid I experienced financial troubles, due to loss of income. In XX/XX/XXXX, I reached out to my mortgage lender PHH Mortgage for help but, was unsuccessful. During that time a representative from XXXX XXXX XXXX XXXX in XXXX XXXX, contacted me claiming they could help me with a Flex Hardship Loan Modification Plan that would get me a reduced 2 % rate and lower monthly payments on my home that I live in and on a rental that had been empty for 12 months, due to the pandemic! They asked me to sign a contract for the agreed five month trial payments beginning XXXX XXXX made the agreed 5 months payments totaling XXXX and they told me that at the end of the payment agreement, my loan modification would be approved by then! instead I am now in a foreclosure status! Im a XXXX XXXX XXXX XXXX lady with an XXXX XXXX XXXX son, who I care for and so now this company, XXXX XXXX XXXX XXXX, who claimed to help get me into a more affordable loan modification plan, have gotten me in a much worst situation! At the time that I began with this company, XXXX XXXX XXXX XXXX, I didnt see any scam alerts on XXXX XXXX it wasnt until after I made my last payment in XXXX, XXXX that I began to suspect something wasnt right! so I called my bank and they told me they had not received any documents! I called XXXX XXXX XXXX XXXX and spoke to a XXXX, who said she was handling my file, at which time I asked her where my money of XXXX had gone to? She said part of the money was for them and rest went to the investors that owned my loan, to process the loan modification for approval! All throughout the process there were different girls calling me, I kept asking her who was the main person in charge? I could never get a straight answer? Just to name a few of the names associated with this scam was XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & a few others! I soon realized that I had been scammed! I asked for my money back! But instead they continued to call me to ask for more money! And claim to be working on my file! These people are so dishonest! I cant believe that they are out there hurting people and scamming people for money and all during a Covid-19 Pandemic, when people are desperate to survive and trying to recover from all of the losses! And on top of all this Im also dealing with Identity Theft!!
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| 12/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies.
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that.
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool.
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.
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| 08/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Starting from on or about XXXX XXXX, XXXX XXXX has been applying my timely monthly mortgage payments to escrow and not the principal and interest. Only once did I receive a refund check, in the amount of one month's mortgage payment. I did not think anything of it as the banks usually issue a check for escrow remainder. Instead, XXXX XXXX continued to hold my monthly payments in escrow and not applying it to the principal and interest. After notifying them numerous times and having to make the same exact complaint over and over, I continued to receive 90 Day Pre-Foreclosure Notices. It was not until XXXX, XXXX that the issue appeared to be resolved; however when I asked for something in writing regarding their mistake, I was sent an email, no letterhead, simply stating that the prior three months were applied--as if I was the one who make the mistake. On those occasions that I had to call, my wife had to take the day off from work to help me discuss the issue with them, because we would be on the phone for over an hour, mostly waiting. Each representative we spoke to had no idea why we were calling and each time we had to go over the same things and direct the representative to read the prior notes. On one occasion, the representative had us on hold for over half an hour and when asked to speak to a supervisor, she placed us on hold for about 20 minutes and then hand up on us. Unfortunately, we lost our temper before being transferred to the "research team", which we were told would be researching this since about XXXX XXXX, where we had to again relay the issue. Now, it seems that XXXX XXXX has been charging us approximately $XXXX for "expenses". There were no notices sent regarding what this additional fee is about. When we called the representative said that it was costs transferred to them, but they were servicing the loan since XXXX or XXXX XXXX, when all this mess happened, and that cost was not there. XXXX XXXX never escalated it to the proper department, for over a year we suffered when we received those 90 Day Notices, but no returned checks to give us any idea that our payments were not being applied properly. We never received any call back from a manager or supervisor regarding our inquiries, and now we are being charged for fees that we know nothing about.
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| 06/12/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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|
Web |
Older American, Servicemember |
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PHH Ocwen loan number XXXX XXXX XXXX XXXX XXXX CA have been trying to get a loan modification my principal residence my husband is a XXXX XXXX XXXX veteran we are XXXX and XXXX years old. The home has been in my family for 67 years. I received a streamline mod of XXXX a month way more than we could afford on a veteran and social security XXXX income Ocwen/PHH knew it is not 31 % of our income. On the documentation there was a place to sign for a short sale on XX/XX/XXXX I signed it and procured a realtor. We received a great offer. Here is what happened next. They emailed today the day before my sale and said they did not have any documents In response to the email received I have now faxed 52 pages to them again at the number they provided.
These same documents were emailed to Ocwen Mortgage On XX/XX/2019. On XX/XX/2019 I spoke with XXXX ( employee # XXXX ) at PHH Mortgage who advised loan transfer had not been completed, to call back on XX/XX/XXXX at which time ALL documents should be in the system.
On XX/XX/XXXX I spoke with XXXX ( employee # XXXX ) who confirmed that ALL documentation had been received and that I would receive a phone call from the short sale Department within 2 business days ( i.e. XX/XX/19 ).
To-date I have received no communication either by phone or email from the short sale department until XXXX this morning when they said they dont have the documents.
I have NEVER been able to reach the Relationship Manager assigned to this file, XXXX XXXX XXXX either by phone or email.
He has never responded to an email sent to him or to voice mail messages I have left.
I find the " delay tactics '' being used by Ocwen/PHH Mortgage to be extremely unethical and am at a loss to understand why they would not wish to entertain an offer on a property.
While sending this email, I was on hold waiting to speak to XXXX XXXX XXXX for the last 45 minutes - again I question if there overall intention is to provide assistance or not.
Delay tactics no one to talk to? My husband and I are trying to do the right thing on a mortgage that is really not even valid. As far as I am concerned Ocwen/phh is stealing and we the senior citizens veterans normal people are XXXX forever. How can you not do something about this company? I thought you are to protect the consumer! XXXX XXXX
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I'm not required to have an escrow account for my home loan, with PHH the loan servicer for Ocwen, but Ive just left it there but I recently noticed that the mortgage company is collecting more than the amount that they had to pay out for my property taxes and homeowners insurance so I had made and inquiry back on Match XXXX to remove the escrow account so I will pay for my own property taxes and insurance. They came back saying that because there's a payment due on the escrow account with 30 days which was my 2nd property tax installment on XX/XX/2022, they were not able to close the account. After emailing and calling multiple times to make sure their representative told me that once the property taxes are paid on XX/XX/XXXX as scheduled by them I will be able to request for the removal of the account and that they won't be able to close it before then. They also sent another email stating that they CAN NOT close the escrow account because the signature on the form sent in was not the same as the signature they had on file so another reason they CAN NOT close the escrow account. This while time of almost a month of calling and emailing and getting updates on when they will pay my property taxes so I can close the escrow account they kept giving me the run around and excuses getting no where. Today in the 12th I went online to check to see if my property taxes has been paid but and to my surprise it HAS NOT! They refused to close my escrow account on the reasons stated but they went ahead and canceled the property tax payment they were supposed to pay on XX/XX/XXXX from our escrow account! I called them back and again they gave me the run around and saying they will get back to me and nothing ever gets done. They DID NOT say anything about not paying the property taxes nor mentioned anything about the property tax payment being canceled because they would NOT close the escrow account for us citing the reasons above. Now the property tax payment is past due with penalties at {$4600.00} instead of {$4200.00} that was supposed to be if paid by XX/XX/XXXX. They seem to be polite and helpful when you call them or email but its all a scam because they did not do anything to help or resolve your situation they just masks it and XXXX you over if you don't follow up and keep an eye on them.
|
| 10/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, our mortgage company paid the wrong amount on our XXXX property taxes from our escrow account. They paid a total of {$1400.00} ( in 2 separate payments for some reason ). The amount was about {$400.00} short ( we don't know why they didn't pay it in full ). The county then sent back the partial payment to the mortgage company, as that is their policy. The mortgage company did not investigate at that point or notify us.
In XX/XX/XXXX we received a check for {$1800.00} from the mortgage company. We thought that was odd so we contacted them. They told us about the county sending the {$1400.00} back to them. We asked why and they said there were not sure why it happened. At this point, we had received no XXXX property tax bill or statement or any notice of any delinquency. We asked them to do an " investigation '' of the matter. We did not hear anything else from them about the investigation. Since we also did not receive anything from our county, we thought the check was some kind of overpayment from something in the closing of the loan since it was just closed in XX/XX/XXXX.
Last week ( XX/XX/XXXX ), we received a letter from an attorney stating our delinquent property tax bill had been purchased by a private company and that we would need to pay a total of {$3500.00} or our house will be subject to foreclosure as of XX/XX/XXXX. This amount includes delinquency fees and attorney fees.
We spoke to our mortgage company on XX/XX/XXXX and told them about the letter. We were told this was not our error and that they would be investigating it. We have not heard anything from them since then. We made sure to tell them this was an urgent matter.
After a lot of phone calls, we have discovered that the county had been sending our tax bills and notices for XXXX to the wrong address, our old address, where we had not lived in over a year. We are not sure why someone on the county level did not properly record the address from the deed. We are still looking into that. But that explains why we never received the XXXX tax bill or any notices of the taxes not being paid. We thought our mortgage company was taking care of it, as they were supposed to.
We would also like to note that they have already sent a payment for the XX/XX/XXXX year and it is once again the wrong amount.
|
| 08/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
XXXX XXXX was taken out of our account illegally by Ocwen/Phh mortgage for the escrow account. We paid our taxes and insurance until late XXXX. We did not have an escrow for XXXX or XXXX. They now have fraudulently tried to paste the numbers in forged spreadsheets sent to me on XX/XX/XXXX. They have pasted numbers in different years trying to hide the deception. Just follow what I am showing you with the attachments. It's unreal.
Here are the amounts they have stolen and now have committed fraud by covering it up. They sent me forged spreadsheets that do not match my past escrow documents. The fraud is so horrible I can not believe they did this. This over XXXX they have forged numbers in our escrow account. It all shows they repaid it then they subtracted it back out. It's disgusting. How is the government not shutting them down? This is our freaking mortgage they are destroying. I have complained over and over and nothing is being done to them. I had to sign a modification because they stole all our money from escrow. Okay, I am crying now. Then they charged us over XXXX in XXXX extra for the modification due to them stealing all the funds and making us delinquent. It's sick. They tried foreclosing on us in XXXX and the entire time they were taking money from us. We had to pay more than XXXX to stop the foreclosure. On XX/XX/XXXX they tried forclosing when we had paid all our payments. They were charging escrow when we didn't have one to foreclose us. It's criminal and I am just so upset about what they have put me through. I want help, please. LOOK AT ALL THE FAKE PASTED NUMBERS! Look at the 2 spreadsheets and you tell me how bad they steal. They charged me for insurance and taxes when I paid them! If they would not have stolen from us we would not have gone into foreclosure and had to pay XXXX for attorney plus XXXX for modification. I want it all refunded now. I want every fake NSF fee, late fee, long-form fee, breach letter fee, corp advancement fee, and all other stupid fake fees returned.
XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
For 12 years, Bank Ocwen did not let me refinance with another banks because bank Ocwen marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial.
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank Ocwen didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in USA and I did a modification just in my name The program HAMP save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the Ocwen first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank Ocwen and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank Ocwen stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house.
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX XXXX. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me!
Thank you so much!
|
| 03/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
my complaint is that the company has not allowed me to resolve my problem they continue to file foreclosure notices driving what I owe up in fees. I am upside down with Facts : I am requesting the bank hold off until all the processes of modification request and other options are completed.
I now have a steady income and can afford to keep my home. I am working with loan servicer Ocwen.
They service the loan for XXXX XXXX. I have had to deal with people who sound like they are located outside the country.
I do get a response and the representative is very polite ; but offers little or no help except repeating a script. I have called all the resources they offered, and the lines are not available any more. The present state of my loan is that I presented a modification request and a forbearance for a year. I can not afford a lawyer and am representing myself. Please take my complaint.
FACTS : The bank has not afforded me any relive.Facts : 1 ) I build the home in 1982 on a lot that my father bought, a military veteran of XXXX XXXX XXXX. His name is on the original purchase of the lot where I built my home.
2 ) I have lived in the home as the primary and only residence for 37 years since 1982. I have paid taxes on the property and have filed it as my homestead.
3 ) The original paper work for the refinancing of my home was with XXXX XXXX, they sold my note to XXXX XXXX. The XXXX XXXX has denied my repeated requests for the modification of the mortgage loan ; to the point that I had to file bankruptcy.
4 ) I was dismissed from the chapter XXXX after losing my job that creating a hardship to keep up the double payments. I have asked for XXXX XXXX for a forbearance and I informed by XXXX XXXX I did not make enough money. I only owe XXXX in actual loan. The various fees drove up the owing amount to XXXX.
5 ) I have filed for a loan modification for the 4th time and hope that the process will help me keep my home.
6 ) The home is old and takes a lot of upkeep available my cash goes to maintenance and repairs, I keep the home because my dad bought me the lot. At present I have a XXXX son and XXXX XXXX XXXX children living with me. If XXXX XXXX goes through with foreclosure ; XXXX people will be homeless. I can not afford to keep payments for residence for my son and children.
|
| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.
|
| 01/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by Ocwen Loan Servicing LLC under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. Ocwen rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got Ocwen to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility.
In XXXX of XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from Ocwen which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( Ocwen ) and the credit reporting agencies. Ocwen has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by Ocwen. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from Ocwen claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
|
| 04/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My mortgage has been in forbearance within protection during covid 19. I realize that has ended. During this time, my Husband has had XXXX XXXX, thank God that has slowed down some. But have debt from it. My Husband is retired and can no longer work.
I have been XXXX for quite some time. I have been a caregiver to my Husband as well as a caregiver to my XXXX XXXX XXXX Mom. My XXXX began again in XXXX of this year. At this time, my hours are part time. However, I do have an XXXX store. I currently only have one client, but I am processing his payroll and taxes.
I had begin a new trial plan and was unable to pay the amount due. I have been talking with them and informing them of everything going on. Seems to fall on deaf ears. Things are improving as far as earning is concerned. Don't get me wrong, I am still struggling.
I had an appointment with XXXX XXXX @ PHH Mortgage early this month. I was never called. I checked my calls on my phone. They never called. So, now a new appointment is scheduled -- -- -it 's either the XXXX or XXXX. They are dragging out the time. I tried to make a payment and it has been refused on more than one occasion. Supposedly I am supposed to be receiving paperwork. It takes 10 days to come. So what date will I receive this if I do? When I was speaking with someone else with the mortgage said I didn't have to be concerned until after this month. I would like things to be taken care of this month.
I do not want and will not lose my home. I could be treated more fairly I feel. I would like the behind part of my mortgage ( which is around XXXX ), to be put on the end of my mortgage. Most of this XXXX is from covid 19. I feel this is PREDATORY LOANING. Yes the covid plan ended at the beginning of the year ... .a few mortgage payments do not add up to XXXX! The percent of my mortgage is from 1 to 2 %. At this current time, it is 2 %. I would like for my mortgage to stay between 1 to 2 % and the covid 19 forbearance amount moved to the end of my mortgage. I do not think I am asking for much.
In early XX/XX/2022, a tree fell on top of our home. I have been staying in a hotel every night because my lender placed insurance has no coverage for displacement. Then they wonder why I am still having financial issues. No one should have to go through this.
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX.
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.
|
| 07/17/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dear To Whom This May Concern, I am presenting this letter before you with true facts, documents, and recorded conversations that were made with permission which will be attached to this letter that can prove and confirm everything that is being presented is true.
I am sending documentation of my Petition For Review that I made for the Supreme Court Of California which has been denied without even being looked at, I find this to be outrageous and this is before the Superior Court Of XXXX XXXX in XXXX California, XXXX XXXX XXXX. XXXX throughout my case without leads to amend. If you do not know what this means, this means I can not go back to the courts and fix anything, my case has been dismissed, so now I had to appeal to the Appellant Court in which I did. And they also dismissed my case.
This all has to do with my lending company who is Ocwen Loan Servicing. Ocwen Loan Servicing chose me, I did not choose Ocwen, I do not have a choice in who owns my homes mortgage. Ocwen Loan Servicing is rated as one of the worst companies in the world with an F rating in the XXXX XXXX XXXX, sued by the XXXX XXXX XXXX investigation for XXXX XXXX dollars and won. And also, Ocwen has a federal lawsuit pending since XXXX and Ocwen has over 300,000 complaints and numerous lawsuits and unlawful foreclosures in 49 states for fraud.
All I am trying to do, in all of the courts I have been through, having to hire several lawyers, which has cost me thousands and thousands of dollars all because I am trying to defend my home from Ocwen Loan Servicings dishonest, unethical, unlawful, misleading, fraudulent business tactics that are being used to steal my home to enrich Ocwens greedy pockets, which is forcing my family and me in a destitute state of homelessness.
This is something that I want to bring attention to, How can a company be convicted of all these fraudulent acts, have hundreds of thousands of complaints, being known to be a fraudulent company, convicted of fraud, be able to buy, purchase or inquire my homes mortgage and rain havoc upon me and my family since XXXX. For eleven years, I have been going through this. How can any of this be legal?
This is my first and only home. Ocwen does not just steal homes, they destroy families.
This has got to stop.
Sincerely, XXXX XXXX XXXX
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase.
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.
|
| 09/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 09/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
At the end of XX/XX/2019, I received a call from PHH Mortgage Services that I was in arrear in my mortgage. I told them that this could not be the case since my account has automatic payments being made and a payment had been made. The PHH individual indicated to me that they saw the payments and since there was money in my account that I shouldn't worry because the monies would be applied to my mortgage. That was not good enough for me. I asked to speak to an escalation officer.
When I spoke to the escalation officer he told me that they were reviewing my account because there was a first and second on the account but that everything would be resolved shortly.
PHH Mortgage had been acquired by Ocwen Mortgage. Originally my loan was with Ocwen bu they transferred it to PHH to service it.
Subsequently I started receiving default letters for non payment and then recently I received a letter stating that they would stop accepting my automatic payments because of the status of my account.
Last week I tried to reach out my point of contact, XXXX XXXX ( XXXX ext XXXX ) and was told she wasn't available but I spoke to another representative about my situation and she wrote up a ticket for Ms. XXXX to follow up regarding my payments, credit reporting, and to provide me with a detailed accounting of my payments. When I called this week ( yesterday, XX/XX/2019 ) to speak with Ms. XXXX, she was again not available and when I asked about my ticket, I was informed that Ms. XXXX had closed out the ticket.
I was livid and asked to speak to another escalation officer. This time I spoke to XXXX XXXX ( XXXX ) XXXX and told her my frustrations with PHH. She told me she would immediately have the billing department apply my payments, correct any credit reporting, put me back on the automatic payment plan, and provide me with a detailed accounting of how my payments were applied. As of today, the payments have not been applied to my mortgage.
I am filing this complaint to help me resolve the situation regarding the payments on my mortgage with PHH Mortgage Services.
Thank you P.S. I have direct payments made from my bank and I should be current through XXXX or XXXX since I have made advance payments.
The bank statements show all of my payments being put into suspense accounts.
|
| 05/19/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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On XXXX ( app rox ) I received a modification approval from Ocwen for our mortgage. On XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX . This time told its still in review and nothing has been done. At the End of XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship manager '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office ( XXXX XXXX and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.
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| 05/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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My father passed away XX/XX/2016. I am the heir of the property and believed my father paid off his loan with Ocwen Loan Servicing. I was wrong, I am requesting for a loan modification for heirs who have inherited property. I have given my mother Durable Power of Attorney, because at the age of XXXX years old, I am still distress about my father 's death. I want Consumer Financial Protection Bureau to understand that I want my family want to remain on the property. However, I placed a modification and sent my father 's death certificate and my mother 's durable of attorney and the right to speak on my behalf through the Department of Registrar Wills in the State of Delaware. I am very concern with Ocwen Loan Servicing practices of loan modifications, because our family has been ignored about our complaints about the robo-signing documents that were signed by people who had no knowledge about whether the information contained in the documents was correct, charging improper fees, providing false or misleading reasons for denying loan modifications agreed by the prior services.
The family wants to hold Ocwen accountable for these servicing violations. Also, the family wants Ocwen to help assist the heirs of reestablishing loan modification for struggling heirs, who wants to remain on the property. For example " write-down '' loan modification that reduces the principal balance on the loan. A lower principal balance that results in a lower payment and mortgage loan placed on a forecloses hold until clarity of the next-to-kin has an opportunity for loan options and resolutions.
The family is asking for the Consumer Protection Unit to help the family understand and determine the status of a pending loss mitigation request within Ocwen Loan Servicing practices, because Ocwen can not refer a loan to foreclosure, initiate a foreclosure, or proceed with foreclosure. In the State of Delaware, Ocwen are bringing all possible foreclosures under " XXXX XXXX XXXX XXXX. '' Secondly, Ocwen must honor loan modification and cease going to court in Delaware. Third, Ocwen must assign a single point of contact to the next to kin regarding the loan modification, as the family wants to request loss mitigation. Finally, the family wants all servicing fees must be legitimate.
Respectfully,
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| 09/27/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been trying to apply for a loan modification for 3 years now when my husband was injured at work and I was having trouble keeping up with the bills on my own. we 've had to send in same paperwork numerous times and either they do n't get it ( even though someone signs for it ) or something is always wrong with it. I hired a 3rd party company ( XXXX XXXX ) to try and help with Ocwen. It i going on year that I have been dealing with them and nothing seems to help. Same thing with them Ocwen either loses paperwork or they say they did not get even when someone signs for the delivery. Its always something. They tell me Ive been approved and send the papers I need to sign ( 6 times ). Every time I sign and send in something is wrong, either they did n't get or notary does n't acknowledge my signature which my name is not on the loan. The notary does n't even understand what they mean. I 've had to have the same paper notarized 6 time. Then they say everything went through and expect finalization papers and instead I get default letters. I have been making my payments as per agreement. They input my payment a late. I ask what the issue is an again they say something to do with paperwork. I try to make my next payment and they refuse it and send it back to me saying its not enough to reinstate. and threaten foreclosure. I think I get everything straightened out and back to default. It just keeps going round and round. And now I get a letter that my home is going into a sheriff sale on XXXX,2017. My home was never put into the foreclosure process. I get 1 letter saying that I am only {$2200.00} behind and next letter is {$4000.00}. Almost all of this is due to their negligence. How can they put my home in sheriff sale so soon and not go through the foreclosure process and with only the small amount owed. I have contacted the attorney general, the office of insurance and financing and my congressman and nothing or no one can seem to help with this company and their wrong doing. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business. I do have an appointment with a lawyer tomorrow to see what my options are. There is more to my complaint but to much to list on here. can someone please help with this.
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| 07/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.
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| 10/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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During the worst time of COVID I paid my mortgage. Recently in XXXX of XXXX I started to fall behind, I finally broke down and requested a forbearance. PHH said 3 months, but gave it for 6 months. Under the CARES ACT I am able to extend for another 6 months if needed and if done by XX/XX/XXXX. I reached out to the mortgage company for help and was denied and extension, I was told the investors havent been paid for 2 years and need to be paid and that is the reason I cant get an extension. I am in the XXXX industry, the industry that was hit the hardest. I work at a XXXX and in a XXXX, I have job security. I am just waiting on the XXXX to open more and add more shifts ; but that can only be done by the department of business regulations , health department, and OSHA. The whole time I could of taken the forbearance like others and went 18 months without paying, but I didnt, I used my unemployment money to pay my mortgage. I finally realized 6 months ago that I needed help, and broke down and used the forbearance, I should not be penalized because I didnt take advantage of the system. Their communication to help me with this process is horrendous! They may have called me from XXXX numbers but I dont answer them because most of the time it is spammers. They never once left me a voicemail asking to help me. The person I spoke to said they cant leave a voicemail unless it says my name or number. When you call my phone, my voicemails says Hi you have reached XXXX. They could of left me a voicemail to get me in touch with the right people to help me. They sent me emails that went to my spam because they used 7 different emails. Customer Care, No Reply, Relationship manager email all these were in reference to my forbearance and it all went to spam. They made sure to send PHH Mortgage mail for my insurance renewal, PHH mortgage for flooding, discounts, feedback. The email I made a VIP so I stay on top of it XXXX XXXX XXXX XXXX they would send me my monthly statement which was last sent XX/XX/XXXX. I have received a few letters which state the forbearance, how much I owe, and if I need more help. I reach out for more help and I get denied. I never took advantage of the situation and didnt use it till I needed it, and now they are taking advantage of me when I need help the most.
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| 12/08/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.
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| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX PHH is refusing to acknowledge a Death certificate that has been sent MULTIPLE TIMES since XX/XX/2019.
PHH refuses to send us to the United States when we reach an overseas rep This is a VIOLATION OF FEDERAL LAW!!!!!!!
PHH refuses to call us back we have been promised a call-back no less than a dozen times and NEVER RECEIVED A CALL BACK!!!
PHH IS REFUSING TO SEND DOCUMENTATION TO US THAT THE HOMEOWNER CAN SIGN TO REMOVE LIABILITY FOR PHH TO REMOVE SOMEONE THAT IS DEAD EVEN AFTER BEING PROMISED SEVERAL TIMES NOT ONLY FOR IT TO BE SENT, BUT FOR A CALL-BACK BECAUSE IT HAD NEVER BEEN SENT TO US.
PHH is purposefully LYING and THEREFORE COMMITTING FRAUD against this widowed homeowner. WHY ARE THEY LYING?? -- -- - WHAT ARE THEY TRYING TO HIDE??? -- -- PHH does not care about its clients. PHH does not care about Federal or State Law.
***********THIS NEEDS TO STOP!!!!!!!!!!!!
Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by refusing to acknowledge the passing of his wife. I want the DEAD wife removed as a borrower from the Conditional Approval. I want this short sale moved forward immediately, and worked as I was told it would be on XX/XX/XXXX. I wasnt an updated Conditional Approval immediately. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law. They dont care about their widowed borrowers, and they dont care about military personnel.
I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, ( MOST RECENTLY FOR FORECLOSING ON XXXX XXXX SERVICE MEMBERS ) they clearly have no interest in complying with federal and state law.
**Please see attachment : Authorization Letter and Death Certificate **Please see attachment : Conditional Approval showing a dead borrowers name on it.
**Please see attachment : " PHH to pay $ XXXX over military service member foreclosures ''
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| 10/24/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Ocwen transferred the mortgage to PHH without a principal balance. This is illegal. PHH was to assist with reinstating the mortgage with a modification but efforts have been refused. There was a modification with Ocwen in XXXX on which payments were made from XXXX, XXXX to XXXX, XXXX. No laws were cited by Ocwen when part of the payments were refunded. Ocwen illegally advised their attorney who was unknown, to refuse the modification after 3 months. This is illegal. Attorneys can not make representations about the financial workings of the loan. The attorney stated that a notice of. refusal was sent by email but a copy of that email was not presented because the attorney never sent the email.
Ocwen accepted the trial modification by implication because Ocwen kept part of the payments.
Please advise Ocwen to reinstate the modification. Who is supervising Consumers Rights at CFPB?
Who will defend the Respa Laws which. Ocwen has continuously violated in this mortgage.
The only way the refusal of the XXXX modification was discovered was in an answer to a CFPB in XX/XX/XXXX.
Ocwen also admitted that clerical errors were in the modification of XXXX and no monthly payments were established since XX/XX/XXXX so I could not pay on the loan.
Ocwen admitted that the payment of XXXX, XXXX was not credited correctly.
This transfer to PHH is the 2nd time Ocwen transferred the loan.
The first time was in XXXX, XXXX to XXXX but the loan was sent back to Ocwen creating another delinquency.
The loan was not delinquent in XXXX until Ocwen misapplied monthly payments, failed to correct the mistakes on the XXXX modification after which a monthly amount to pay was never required.
Even though Ocwen failed to return 5 months of payments on the trial modification of XXXX and 3 months of payments on the modification of XXXX plus all the other errors Ocwen has not credited those monies. The default date goes back to XX/XX/XXXX before the failed transfer to XXXX and before the XXXX to XX/XX/XXXX payments and before the XXXX to XX/XX/XXXX trial payments. This is illegal and outright Theivery. What if CFPB going to do about this?
XXXX XXXX XXXX Ps. Ocwen created this default. After 225 requests to Ocwen to correct, Ocwen has not responded with answers within 30 days as required by Respa.
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| 12/20/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account.
As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was.
After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about.
In the mean time, I was being reported to the credit bureaus as being delinquent for payment.
A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''.
I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!!
When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month!
I had to make these payments on XX/XX/XXXX, right before XXXX!
On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around!
OCWEN LOAN SERVICING NEEDS TO BE REVIEWED!
XXXX XXXX XXXX, Ohio
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| 10/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I obtained a mortgage from XXXX XXXX in XXXX of XXXX. My loan was sold to PHH Mortgage in XXXX of XXXX to begin servicing XX/XX/XXXX. I have always made my payments online every month with XXXX XXXX without being charged any " convenience fees '', however, PHH is charging me a {$7.00} " processing '' fee to make my payment online or over the phone. The only way to avoid this fee is to 1 ) mail them a check or 2 ) set up auto debit ( ACH ) from my bank account ( which is exactly the same thing as paying online because my bank routing and account numbers are used for both so it makes no sense ). Basically, they bullied me into setting up my payments on Auto Draft, which I am not comfortable doing because : 1 ) I am straight commission and like to budget and pay as commissions are paid 2 ) I am afraid the draft might not pull due to computer glitch and 3 ) I don't want to pay {$50.00} for an overdraft fee to the mortgage company or my bank if my commissions are paid a few days later than the auto draft. I should have the right to pay my mortgage payment the way I choose without being charged. I called PHH on XX/XX/XXXX to complain. I told them that it was not my choice for my loan to be sold to them and I should not have to " pay '' to " pay '' my mortgage payment on my due date. They told me that the payments go through " XXXX XXXX '', who charges them. I expressed to them that they chose to partner with XXXX and they should absorb the costs because a mortgage servicer 's responsibility is for the day to day management of my mortgage, which includes the collecting and crediting of my monthly loan payments. That's how they make their money. They shouldn't contract with XXXX XXXX if it dips into their profits. Also, I am concerned because the terms and conditions of my loan should not change and they did with this fee. My old lender did not charge a convenience fee to pay and since it was never disclosed in my original loan papers, they should not be able to do it. Furthermore, in my opinion, these " convenience '' fees are the same as " finance charges '' which changes my Truth in Lending APR. I feel like this is a direct violation of my mortgage agreement. I didn't choose to have my loan sold to PHH so it's only fair that I should not incur any extra fees. Thank you.
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| 03/11/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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OCWEN Loan Servicing , LLC sent a letter dated, XX/XX/2017, received by my person on XX/XX/2017 via regular XXXX, within which, it states : " Recently, Ocwen Loan Servicing , LLC ( " Ocwen '' ) sent you a Notice of Default due to your loan becoming past due. '' It further states that, " ... ... which puts you in default of your loan agreement and the property may be referred to foreclosure after 14 days from the date of this letter. '' Account holder, XXXX, affirms the following : 1. I am not in receipt of the claimed " recently sent '' Notice of Default as of this date.
a. I have spoken to XXXX, Agent ID XXXX, on this date, Sunday, XX/XX/2017, starting at XXXX EST to your XXXX customer service number and he advised of the following : i. The referenced Notice of Default has never been sent by OCWEN, thus the reason for my having not received it.
ii. He has sent a request to the Research Department to find out as to why the referenced Notice of Default has never been sent, yet, it is referenced in the Pre-Foreclosure Referral Letter. To-date, OCWEN has not responded to my request to produce the claimed letter.
iii. The recording of the call can be traced to this date between XXXX and the end of the call at XXXX.
2. The letter states a 14-day clock reference as to possible foreclosure action, however, OCWEN 's acknowledged misrepresentation of the existence of a Notice of Default that was never sent to the consumer, makes their threat moot and in direct violation of the terms of the mortgage and applicable governing laws.
Servicing of my mortgage is totally out of control with numerous misfires, misrepresentations and fabrications, in addition to OCWEN 's silence on the topic.
I am most receptive to an amicable resolution in light of the fact of the many OCWEN missteps it continues to do and that can have significant consequences on my person, family and our home.
For an organization to make a representation of the existence and submission of an important document such as a Notice of Default, when in fact it acknowledges and confirms it can not produce the document or any evidence of its existence is unethical and unacceptable. I trust your office can bring some sense into this in reaching an amicable resolution. Thank you in advance for your assistance. XXXX.
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| 11/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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|
Web |
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I had family issues and COVIDS issues which caused me to ask for COVID assistance to get my finances in order and to help elderly parents. I asked for one last extension with PHH but was not told that I exhausted the COVID relief benefits. However, PHH really didn't harrass me other than asking for documentation for the modification. I submitted all the financial documents and asked that I resume payments on the XXXX of XXXX. I attempted to make a payment on the XXXX of XXXX only to be told that at the moment, all prior payments needed to be made in order to make a payment. Meanwhile, a notice of default was sent to me. My understanding was that I was not obligated to make payments while the modification was in process. When I rang about not being able to make a payment, I was told that the modification was denied yet no one communicated that to me via email or in writing. A week later, I did receive the denied of modification. One reason was that the mortgage load was greater than 90 days delinquent and the investor did not allow modifications. Why on earth was the paperwork and application requested then? Such incompetence. PHH calls and never leaves messages even though time after time again, they have been told to leave messages. I was assured that they always do-which they don't. Also, they can email me adverts but never can they email me documents such as the modification denial. I'm very frustrated with PHH. I was told that I have to wait to talk to my relationship manager to divide the 4 months payments up over twelve months to include with my monthly mortgage payment. However, nothing can be done until the " program '' is approved by the relationship manager. I can not talk to the relationship manager until the end of XXXX. Is PHH trying to force me into foreclosure? I feel like that. I'm simply trying to resume paying my monthly mortgage payment and roll in the miss payments back into the loan. Everything-processing, call center, etc. is in XXXX. They do not seem responsive. They still call occasionally and do not leave messages. I do not feel like I'm getting the complete picture with PHH. Since the modification was denied, why didn't the letter give me payment options so I could resume making my monthly payment? Why wasn't it emailed? I'm just over PHH.
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| 08/28/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.
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| 04/21/2015 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
Older American, Servicemember |
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Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...
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| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am a victim of identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability.
XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.
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| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen took over our loan from Litton in XXXX . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In XXXX XXXX Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In XXXX XXXX Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to XXXX XXXX Tax Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In XXXX XXXX I sent them a letter asking for details on the negative escrow balance. They never responded. In XXXX XXXX Ocwen offe red us a modification & we made two trial payments of {$2400.00} eah in XXXX & XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement. In XXXX XXXX Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice. This is me and my wife 's one & only primary residence where we live with our XXXX kids XXXX & XXXX , & my parents XXXX & XXXX , & we will be in great distress if we lose our home. We are working with Save Your Home Californ ia to help keep our home. I want to know the reason & Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years. On Friday, XXXX XXXX , I read news about the lawsuit CFPB filed against Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.
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| 01/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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My name is XXXX XXXX, and I am the widow XXXX XXXX XXXX XXXX as well as the executor of his estate and rightful heir to our property in XXXX New Jersey. I am contacting you because our mortgage company Ocwen has not given us the opportunity to resolve our delinquent payments and is moving to foreclose on this home instead of working with me towards a modification or payment arrangement. My husband and I bought this home in 1996 and made payments as agreed for nearly FIFTEEN YEARS. After my husband passed away I had major health issues and ended up unable to meet my financial obligations and fell behind on the mortgage payment.
I began trying to work things out with Ocwen by applying for a loan modification but have failed to make any progress. Our current interest rate is 7.75 % -- when we bought the house the interest rate was at 12 %. Our mortgage lender has collected a large amount of interest over the last 15 years, and XXXX would think they would be more willing to try and resolve this issue with me instead of moving to aggressively foreclose.
Our financial circumstances have changed since we first applied for assistance. My daughter is living with us and contributing and we also have a boarder who pays a monthly rent. I am currently in review for XXXX benefits and expect that to be approved shortly, which will really help us out financially. My issue is that we are struggling and have a true financial problem and yet Ocwen has not been able to offer any possible solutions. I am aware that Ocwen received billions in government bailout money. I also am aware that Ocwen was fined by the government for unethical foreclosure practices.
I am not asking for a handout, and I realize that we are very delinquent on our loan. But I also know that our lender has collected 15 years ' worth of payments and our balance is very low while our interest rate is very high. I believe that are many options to restructure this loan and put late payments back into the balance or defer them through a forbearance agreement. At this time Ocwen refuses to accept a mortgage payment and have told me the only option is to make a lump sum payment of the full past due amount. I just ca n't do that right now, but I desperately want to save my home and resume making monthly payments.
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| 11/12/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I wish to file a complaint with the Consumer Finance Protection Bureau ( CFPB ) against PHH Loan Servicing. We purchased our home from XXXX XXXX XXXX in XX/XX/XXXX for {$440.00}, XXXX. XX/XX/XXXX, we signed a loan modification with PHH in the amount {$450.00}, XXXX, which is {$11.00}, XXXX more than we paid for our home 14 years ago. This increased amount to our mortgage loan is not accurate. I have made mortgage payments for 14 years ; we get a loan modification and the modified amount is higher than the original loan for our home. Where did the money go from the payments that were made over the past 14 years? I placed a call to a PHH Relationship Manager to inquire why the loan modification amount was higher than the original loan amount. The relationship manager could/would not tell me why the loan modification amount was higher and that it didnt matter because I signed the loan modification. In XX/XX/XXXX, a loan audit was conducted by XXXX XXXX XXXX, ( located in XXXX, MD ) on my current PHH mortgage. The audit report revealed errors in the calculations of the loan modification amount ( see attached audit report ). PHH was provided a notarized copy of the audit report via certified mail on XX/XX/XXXX and was required to respond to the affidavit within 30 days. PHH did not provide the requested breakdown of the loan modification amount as requested in the mortgage audit report but provided me an amortization payment schedule of the loan modification ( see attached dated XXXX ). I did not request an amortization schedule as I know what the payment dates and amounts of my loan are. I specifically requested a breakdown of the loan modification amount to reflect where the increases were, if any. I received a response letter from PHH dated XX/XX/XXXX, again PHH that did not explain/provide the information that I had requested. The response letter showed that {$69000.00} was added to my loan on XX/XX/XXXX ( see page 4 of the Customer Account Activity Statement included in the PHH response letter ). Why was this amount added to my loan? I have attached all documents that were forwarded to PHH as a result of the mortgage audit, and you can clearly see what information was requested and what was provided to me. I look forward to hearing from your office. Thank you.
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| 09/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I have been having my mortgage Loan since XXXX, original loanmade as a NON escrow loan. Taxes were added in XXXX, due to adispute with the City of XXXX XXXX. Original loan was made and serviced by America Home Mortgage, they later changed there name to Homeward Residential. In XXXX XXXX the servicing of the loan was transferred to OCWEN Loan Servicing. Ever since XX/XX/XXXXI have paid my own Insurances. In XXXX of XXXX, I received anescrow analysis for XXXX, giving a breakdown of the escrow, with no floodor home owners insurance being collected.In XXXX XXXX, I receivedan escrow analysis, indicating that Ocwen was going to collect forthe flood insurance and my new payment was increasing by as {$450.00}, for a {$1200.00} flood policy. there was no explanationas to why they were doing this, even though they had proof thatflood policy was enforce, with Ocwen as Loss payee. I calledOcwen to inquiry as to why my payment was increasing by $ XXXXXXXXand was just told they were going to start escrowing for floodinsurance. As I explained to them the Original Lender and myOriginal note and Mortgage contractually did not call for an Escrow.
I was then told to Pay the shortage and send a letter requestingto remove all escrows, which I did on XXXX XXXX, XXXX, and with in XXXX a new analysis removing the escrow and a new payment willbe calculated with out the escrows. As of this date this has not beendone nor has a new analysis been preformed. I have made theprincipal and interest payments as per my contractual obligationson the Note, each month. However Ocwen has posted the paymentsto the Principal Interest and escrows, even though I have spoken tono less then XXXX representatives of Ocwen, only to be told : it is stillunder review, the escrows have been remove, a letter will beforth coming, you are current on your mortgage, we willrepost the payments etc ..., as of this date NOTHING from them.
Now they are Reporting to the credit bureau that I am {$3000.00}.
past due, and this has caused some problems. I have NEVERbeen late on this mortgage and I pay my bills monthly. Thiscompany has a horrible reputation for doing very strangethings to people concerning there Mortgage loans, I feelthat they will want to take my property, which by the way is about $ 50,000..Underwater.
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| 05/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am behind on my mortgage which I take responsibility for. I have been trying to work with PHH Mortgage to get a loan modification. First, when I called the " relationship manager '' I was assigned in the papers that they sent to me, she told me she was not my manager and shuffled me off to someone else. I think I have had at least 4-5 relationship managers since starting the modification process. One only had one appointment available to talk and nothing else. They gave me a high modification payment that was based off my income plus child support. My ex husband does not pay his child support regularly and I tried to discuss that with them ( at that time he was three months behind ). I asked several times to talk with a manager and always received and excuse ( they were busy, all in meetings together, would call me back ), and never received a call back from one. I paid my XXXX modification payment in full. XXXX was when Covid hit Nevada. I was {$300.00} short for my XXXX payment due to missing a few days of work due to boss not having work for me and another day or 2 due to my elderly grandmother quarantining and not being able to watch my girls as usual. I wrote them a letter with my payment explaining as well as filling out their form online for Covid help. I paid XXXX XXXX payment plus the {$300.00} from XXXX. I received an email last week stating I did not qualify for Covid relief and then this week I received papers stating the reversed my modification back to a {$1600.00} a month payment. I am a single mother that works and XXXX XXXX XXXX. I want to keep my house and am asking for them to work with me, which they do not want to do. I did some research and they have had a class action lawsuit filed against them for dual-tracking which I believe is what they are trying to do to me as I have around {$35000.00} of equity in my home. I called the XXXX XXXX XXXX and they have an F rating with them and was told to file complaints with several other entities. I just want some help reaching a fair modification for my loan. I would also, like it noted that this was originally an 80/20 loan with the second having over a 10 % adjustable percentage rate and that I paid that loan in cash from my settlement and that should show that I am trying to keep my home.
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| 05/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our Mortgage started XX/XX/XXXX with XXXX XXXX and was later sold to PHH Mortgage who holds our mortgage now.
Somehow, the tax bill belonging to the two properties adjacent to ours has been paid out of our escrow account in both year XXXX and XXXX.
XX/XX/XXXX- {$1900.00} and {$1900.00} was paid to the county tax office out of our escrow, along with our correct parcel tax bill of {$2800.00}.
XX/XX/XXXX- {$1900.00} and {$2000.00} was paid again to our county tax office out of our escrow account, along with the correct parcel tax bill of {$2900.00}.
I reached out to PHH Mortgage in XXXX to start the process of solving and rectifying the issue. First, with no help to PHH, we figured out that it was the adjacent properties tax bills we had been paying and made PHH aware of exactly the error they had made with our funds. After talking with our counties tax office we learned that PHH had to work with the homeowner who owns both adjacent properties and get the tax monies back from their mortgage company. This homeowner was made aware of the situation and was very willing to make right the tax monies that she had not paid because of PHH 's paying them first. The Tax Office is not allowed to pay out any monies it has correctly or incorrectly taken in- which is why PHH needed to go to the properties mortgage company to get their refund.
As of XX/XX/XXXX, PHH was able to get funds back from the incorrect paying of said properties taxes for ONLY the year XXXX - and even so did not notify me or has yet to explain where that refund was credited to - as I have not seen any monies in either check or credit. I could be missing it somewhere, but have been reaching out to try and get an explanation and have not been able to talk to someone who knows anything whatsoever about exactly what is happening.
I have reached out multiple times since XX/XX/XXXX trying to let them know that XXXX errors have not been rectified. I end up explaining thing, or trying my best to sort this out, and have yet to have anyone show any expertise or really care at all for the case. Communication has been terrible since the beginning of this problem. If I do get a call and they leave a voicemail, I am given a general call center number and can hardly ever get back to anyone in particular.
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| 01/04/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/2022, my husband and I purchased a home in Central Pennsylvania. The home was purchased via a VA loan through XXXX XXXX Bank. Immediately following the purchase, we received our property taxes. The tax documents were immediately sent to the bank for payment from escrow. Not long after the documents were provided to XXXX XXXX Bank, we learned that the loan was sold to PHH Mortgage. This happened before the first mortgage payment was made to XXXX XXXX Bank.
Upon receiving the new mortgage information, I contacted the bank so that they would have the tax documentation necessary to pay the bill. After speaking with a representative, I emailed the documents to him and received a call back indicating that they were in receipt of the bill and that it would be paid immediately. The date was the end of XXXX- the first week of XX/XX/2022.
In XX/XX/2022, I received a letter from the County Tax Assessor stating that the property tax payment had not yet been received and needed to be paid by the end of the year. Subsequently, I contacted PHH to inquire why the bill had not been paid when there is an ample amount of money in the escrow account. The response I received was that the tax department would be contacted and the bill would be paid. The bill was not paid. I made a follow-up call to PHH to inquire about the status of the payment. I was told that the complaint was escalated due to the urgency of having to have the payment made by the end of 2022.
Over the next few weeks, I received a weekly call from PHH stating that they are handling the problem. During the conversations, I asked to speak with someone from the Tax team but was never able to be connected with a person from the tax team. At this point, I have realized that the representative that I've spoken to is only reading from a script and my issue is not being handled.
I have spoken with the County Tax assessor who has reached out to the bank on my behalf, and by the way, I have given her the authorization to discuss my account. She has also provided PHH with the tax documentation they requested as well as all of her information so that the bill can be paid.
I neglected to also explain that this bill has also acquired a {$200.00} penalty fee because it was not paid by the end of XX/XX/2022.
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| 10/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I submitted a XX/XX/XXXX senior citizen exemption application with the XXXX County Assessor. I received a letter from the Assessor dated XX/XX/XXXX indicating that after review, a Certificate of Error was issued and a refund of {$760.00} was to be refunded to XXXX XXXX via the XXXX County Treasurer 's Office. Unfortunately, because our real estate taxes are paid directly by XXXX XXXX XXXX ( escrowed through our monthly mortgage payments ), the Treasurer 's Office mistakenly sent the refund check to Ocwen, which was received and placed in our escrow account as a " tax credit '' on XX/XX/XXXX. On XX/XX/XXXX, I contact Ocwen and explained to them that the refund was supposed to be sent directly to our address. I was then asked to fax the XX/XX/XXXX letter to Ocwen 's Tax Dept. I sent the fax and requested that the refund be sent to us. On XX/XX/XXXX, I again contacted Ocwen regarding the status of the refund check and was told that the matter " was still under review ''. Agent No. XXXX ( XXXX ) confirmed receipt of the XX/XX/XXXX fax and that our account status had been updated as of XX/XX/XXXX. She asked me to call back in a week for an update. On XX/XX/XXXX, I again contacted Ocwen for an update and spoke with " XXXX '' who indicated that the Escrow Dept. would have to review. I objected and he transferred me to the Escalation Manager ( XXXX ) who indicated that she would " escalate '' the matter and get back to me within 2 days. On XX/XX/XXXX, XXXX called me and informed me that our refund request had been submitted both the Escrow Dept. and the Office of the Ombudsman, and that there was no update as of yet but that she was monitoring the status on a daily basis and would request a update that day. Today, XX/XX/XXXX, I received a call from XXXX ( Escalation Manager ) informing me that an " Escrow Analysis '' had been order and that after consultation between the Escrow Dept., the Tax Dept. and the Office of the Ombudsman, it was determined that beginning with our XX/XX/XXXX, our monthly mortgage payment would be " reduced '' by @ {$64.00} a month for 12 months to " account '' for the {$760.00} tax credit that Ocwen erroneously received. I explicitly stated to her that I was refusing said resolution and again requested a refund of the funds.
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| 09/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure.
Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied.
As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.
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| 10/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Ocwen Loan Services, was my original mortgage company until they transferred me to PHH, XXXX c/o PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX.
When Ocwen transferred my account to PHH Mortgage, they added an additional {$120.00} dollars to my mortgage payment without notifying me of the additional money. I called PHH and ask why my mortgage increased. They sent a letter stating that Ocwen added that amount because of property insurance.
I told them that I have property insurance and flood on my house already. I had insurance last year and for some reason the company dropped my policy and did not notify me. Ocwen sent my an agreement that I could pay for the last five month on installments {$26.00} of the approximate {$370.00}. I agree and began adding {$26.00} every month in addition to my regular mortgage payments. But when they transferred me to the new company ( PHH ) they told me, Ocwen said, the extra {$120.00} would for my escrow account. I told Owen I never had an escrow account because I pay my own taxes and property insurance for the 21 years I live in my house because I could manage my fixed income ( VA XXXX and Social Security when paying my bills. I continued to send the mortgage payments to PHH the amount I usually would send {$500.00} minus the {$120.00}.
I asked Ocwen to send me a statement of how much I owed the from last year when the property insurance was dropped, they sent me a bill for {$1400.00} for five months.
The last property insurance company dropped my account onXX/XX/XXXX and I was transferred to PHH XX/XX/29, I sent my mortgage in every month by money order and to PHH that I have not received any statement from Ocwen on what money was due for the last five months. Now Ocwen is documenting on my credit report that I have not paid my mortgage any of it, so I couldn't refinance or modify my mortgage with anyone else because of my low credit rating. This kind of harassment has to stop Ocwen is over charging me for the property insurance agreement that we had They are placing false information on my credit report, and trying to force me into an escrow account that I don't need or want. Please look into this situation to clear up this matter amenably Thank you for your assistance Reply, Reply All or Forward Send
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| 02/22/2021 |
Yes |
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- Trouble during payment process
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Web |
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We refinanced our mortgage in XXXX and our lender changed from XXXX to a company called PHH Mortgage. Our first payment through this new company was on XX/XX/2021. A few days before the due date I went to go set up my new account and input all my ACH info for direct debit like I normally do for any other bill I pay online and like I previously did for my mortgage and it came up with an error popup that I could not make a payment online and had to call their phone number. I called their phone number listed and the customer service rep explained they would allow me a one-time free " courtesy '' payment over the phone this one time, however in the future it would be {$17.00} every time I want to pay over the phone in the future. They said there was no free way for me to pay my mortgage unless I wanted to put it in the mail and hope they received it, but they advised me the mail is very delayed and there was no guarantee they would receive it in time, and that to pay online I needed to sign a form they would mail to me, insisting I needed to sign it very quickly. I received the paperwork and it is a Note Amendment to my mortgage! It says in section 2 that they can charge me up to {$19.00} per payment online, it makes no such statement that this is for me to be able to pay my mortgage for free. When I called to confirm they restated the charges to pay over the form and insisted if i wanted to pay online I must sign the Note Amendment. When I asked how much it would cost for me to pay online without the Note Amendment they said that wasn't possible, nor could they tell me what the fee would be once I do sign the Note Amendment because apparently the fees are different state to state and they said there was " no way '' they could tell me what those fees would be. There is no way for me to sign up for autopay or do single payments besides to sign this Note Amendment that states I can be charged up to {$19.00} which I find excessive. They claim they are a debt collection company but their company name is PHH Mortgage and they were offered to us by our mortgage broker - if I had known they were a debt collection company and could charge us exorbitant fees just for the privilege of paying our own mortgage we would have NEVER agreed to a mortgage with this company.
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| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I had applied for a modification on my property and have received more than XXXX modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In XXXX of XXXX I filled a Chapter XXXX Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter XXXX bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in XXXX XXXX they told me a XXXX was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected ''. ( This only took 2 weeks. ) I spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper XXXX XXXX XXXX XXXX and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just 3 week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered XXXX XXXX XXXX patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter XXXX may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.
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| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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Ocwen is falsely reporting is preventing XXXX- XXXX from getting financing on a new home.
XXXX XXXX- XXXX purchased the property located at XXXX XXXX XXXX XXXX , XXXX XXXX and the making payment to the servicer GMAC Loan # XXXX XXXX XXXX until XX/XX/XXXX when the loan was purchased by Ocwen Loan Servicing , LLC.
XXXX XXXX- XXXX filed BK XX/XX/XXXX and continued to make payments to the loan servicers on her home on time with never had any lates.
In XX/XX/XXXX her loan was sold from GMAC to OCWEN. OCWEN serviced her loan for 4 months and then she sold the house.
Exhibit-A Mortgage Statement Dates XX/XX/XXXX GMAC Loan # XXXX XXXX XXXX with a balance of $ XXXX- Exhibit- B XXXX. XXXX- XXXX paid that loan in full though a traditional sale.
Seller Final Settlement Statement dated XX/XX/XXXX show Pay off to Ocwen Loan Servicing {$82000.00} to XX/XX/XXXX- Exhibit- B On XX/XX/XXXX Ocwen reconvened the property Loan # XXXX XXXX XXXX Full Reconveyance by Ocwen Loan Servicing LLC, # XXXX XXXX for instrument # XXXX-XXXX Doc # XXXX-XXXX- Exhibit-C XXXX. XXXX-XXXX attempt to purchase a new home only to be denied by potential lenders due to the erroneous reporting by Ocwen of loan # XXXX XXXX XXXX as a collection Thou the Loan was paid on fill as evidenced by Exhibit-C.
Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX- Report # XXXX Page 7 under Collection Accounts Owen Loan- # XXXX XX/XX/XXXX to XX/XX/XXXX - $ XXXX- XXXX month mo. Rev- XXXX XXXXxXXXX, XXXXxXXXX, XXXXxXXXX+ Page 8 under Public Records Chapter XXXX Docket # XXXX -filed XX/XX/XXXX Discharge XX/XX/XXXX Collections Accounts Bankruptcy XXXX- Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX- Report # XXXX.
Exhibit- D XX/XX/XXXX XXXX. XXXX-XXXX contact Ocwen requesting Ocwen to current the faulty.
XXXX XXXX XXXX-XXXX sent request dated XX/XX/XXXX to Ocwen asking to them to correcting the credit bureau reporting. -Exhibit- E Ocwen sent and letter stating that Ocwen determined that Ocwen did not acquire serving rights for the subject loan, Yet accepted payments and issued a Full Reconveyance, for Ocwen Loan Servicing LLC , # XXXX Recorded Doc # XXXX XXXX on XX/XX/XXXX.
Exhibit- F This false reporting is preventing XXXX. XXXX- XXXX from getting financing on a new home.
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| 11/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Prior to our involvement on this file, the borrowers sought a loan modification XX/XX/XXXX. The modification trial planned payments were unaffordable and the modification was denied. After nearly two years of mediation with no success, the borrowers came to us to facilitate a successful short sale. Since we have begun working on this file XX/XX/XXXX, Ocwen has scheduled XXXX foreclosure sale dates and cancelled each of them. The offer was sent in XXXX/XXXX/XXXX and Ocwen confirmed receipt. Following this confirmation, Ocwen then denied having the package on file XX/XX/XXXX insisting that we were wrong. We resent the package again on XXXX/XXXX/XXXX. We were told multiple times XX/XX/XXXX and XX/XX/XXXX that the file was still in loan modification and they were working on getting it denied.
On XXXX/XXXX/XXXX, we were told that the documents were under review for short sale by XXXX XXXX. Three days later on, XXXX/XXXX/XXXX, we were told that the file was not in Short Sale Review and was instead still in Loan Modification review. The representative at Ocwen told us to have the co-borrower sign a Quit Claim Deed for the property and that they would continue the modification review without her information. The recorded Quit Claim Deed was sent into Ocwen on XXXX/XXXX/XXXX.
The file was escalated on XXXX/XXXX/XXXX and was with the underwriting team with no new documents requested at that time. The third foreclosure sale date was put on hold and Ocwen was processing the file without the co-borrower 's financials the following day, XXXX/XXXX/XXXX.
However, on XXXX/XXXX/XXXX, Ocwen demanded the financials again and let us know that the file was in review for Loan Modification - again. The Request for Mortgage Assistance was sent in several times, each time requesting short sale and acknowledging the vacant status of the home.
While we respect the policy of the FHA reviewing for loan modification, we see no point in continuing the process for several more months when the seller has attested to its vacant status. The vacant status has also been verified via the BPO report.
The submission of retention denial letters, a removal of a borrower from the title, and the vacancy status of the home should all warrant automatic denial of the loan modification.
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/XXXX I was put on disability and my disability payments did not start until XX/XX/XXXX that was my eligibility date. in the meantime I was living off of partial pension of {$600.00} a month I called my mortgage company XXXX XXXX XXXX company to start up loan modification process I am still in the process of trying to get that modification through its been five months every time I call I get different information that they want me to send in and every person I talk to tells me to send in different items I have sent them paperwork on six separate occasions after filling out the initial application with all the necessary paperwork along with it every time I call they tell me that I need to provide additional information. Ive have been doing this for five months! in the meantime Im living off of {$600.00} a month and just started receiving my Social security approximately 28 days ago. Ive been trying to get the modification so that I have enough money to live on and I feel like theyre trying to keep me from getting the modifications so that my house will go into foreclosure .. at this time I have owned my home for 15 years and have never been late on any of my payments Im still keeping current on my payments through help from my family who has run out of money to help me with. I am at my wits end trying to resolve this issue.. I have done everything necessary on my end including keeping up my payments. at this point I am so upset and frustrated and being disabled on top of it is making my health deteriorate I need some help trying to resolve this issue with this company which is been the most unprofessional frustrating situation in my life. It is so frustrating not to be able to talk to the same person every time and also to not be able to go to a brick building and talk to somebody face-to-face .this company has outsourced their customer service to another country which creates a language barrier as well. there is no accountability, because every time I call its a different person! I am a XXXX who is XXXX living by myself trying to resolve a situation with a company that does not even know I exist I am beyond my capability to hold them accountable ... I would appreciate any kind of help I can receive in this horribly frustrating situation ..
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| 03/07/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK.
MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE ....
MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION.
WHERE AM I TO GO WITH MY XXXX MOTHER ...??????????
I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE ....
LIARS ... .ALL LIARS ....
I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT..
TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW ....
OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....
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| 08/01/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia. That even with my final Divorce Court Order decree dated around XX/XX/XXXX, California Family Law Court Case number XXXX XXXX awarding 100 % of my former Single Family Residence to my now Ex-wife effective the date of the signed Court Order. " XXXX '' refused to lawfully " Delete '' the subsequent " Foreclosure '' negative entry off of my " XXXX '' credit report after my now Ex-wife stopped paying HER mortgage sometime in XX/XX/XXXX. " XXXX '' told me to contact the former mortgage lender named " Ocwen Loan Servicing, LLC '' out of XXXX XXXX XXXX, Florida. And I did so in writing. On or about XX/XX/XXXX, I received a two page letter from " Ocwen Loan Servicing, LLC, '' dated " XX/XX/XXXX. '' " Ocwen '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " XXXX XXXX XXXX, XXXX '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( which is now trading at about {$27.00} per share as of this writing ). And I also did so in writing. On XXXX XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to : '' XXXX '' via regular U.S. mail postage. For nearly 3 weeks I heard nothing back from " XXXX. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. " XXXX '' signed for my letter around 4 calendar days later but still did NOT respond to it. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response. Then on XXXX XXXX-Monday-XXXX I received a two page written response dated " XX/XX/XXXX '' NOT from " XXXX '' but from " Ocwen. '' In short, they unlawfully " Denied '' my lawful request for a " Legal Binding Release '' form. that I was promised by " Ocwen '' in their original two page letter to me dated " XX/XX/XXXX. '' I OBEYED the XX/XX/XXXX California Family Law COURT ORDER, " Ocwen '' and/or " XXXX '' et al. still have NOT.
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| 01/10/2022 |
Yes |
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- Trouble during payment process
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Web |
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Signed and purchased house XX/XX/XXXX with XXXX XXXX. Husband lost job due to Covid in XX/XX/XXXX. Contacted XXXX Mortgage before my XXXX payment was due and they said the only option would be to do forbearance. Since I was not past due I could do 3 months and extend if necessary then I would be able to defer to end of loan. Mortgage company was then transferred to new mortgage company PHH Mortgage end of XX/XX/XXXX. Scheduled first call with Relationship Manager XX/XX/XXXX. Received call for another rep. saying my Relationship Manager was busy but he wouldn't give last name only id #. He said I couldn't stop forbearance and would need to remain on forbearance. Couldn't setup account online to make payment. 10+ scheduled appt with Relationship Manager and received another rep each time only giving first name and id #. Requested supervisor or management contact me many times. Was given incorrect information every phone regarding my loan. I have documented every conversation with dates, times, person name, id # and incorrect information given. Also have a box of letters from PHH with mismatched information, some even dated same date received by mail on a separate date saying two different things/information regarding my account. Was told would need to do loan modification application but a rep submitted wrong application and was denied. Had another rep submit the correct loan modification application and PHH came back and said I have a judgment or lien on house from XXXX XXXX dated XXXX. I do not have any debt with XXXX XXXX. Verified with XXXX XXXX and by running my credit report. During this I was finally told I could start making my monthly payments by phone for XX/XX/XXXX. Went to make XX/XX/XXXX payment by phone and was only given option to pay total amount owed of XXXX even though I attempted to stop the forbearance back in XX/XX/XXXX. I have emailed PHH requesting a transcript of all phone conversations with the many different reps over the last 6 months. Have another scheduled appointment tonight with Relationship Manager but at this point I'm not even sure this person actually exists. I have hours and hours of time missed from my job because of each conversation with PHH being over an hour long with never getting resolutions.Please help.
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| 07/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been trying to work with PHH Mortgage for several weeks over my loan modification. My loan matured in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I asked PHH if they ever called me or sent an email to let me know of the loan maturation as I did not remember from when the loan was given in XXXX. PHH informed me they never called nor did they email, but they said a letter was sent in XX/XX/XXXX, but could not prove the letter was ever sent as there is no tracking or signature for the letter.
On XX/XX/XXXX PHH said my application was " complete '' and furnished a letter saying the same. On XX/XX/XXXX I talked to XXXX, my customer representative who said I was missing documents and my application was not complete. I asked to talk to XXXX, his supervisor, who never called me back as of XX/XX/XXXX. I talked to another supervisor who said I did not need to supply all the documents I was told to supply and he would make my case a " top priority '' and would " expedite '' the process and he would call me back with an update. I never received another call from this person and when I called on XX/XX/XXXX I was promised things would be reviewed. I never heard back on XX/XX/XXXX and I called back on XX/XX/XXXX and was told I needed more documents I had not been told about. On XX/XX/XXXX I was once again asked for more documents, this time by XXXX. I was told I needed to do a hardship letter, which was asked for by XXXX XXXX XXXX, the investor. This request came through on XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked if this was normal or just something pertaining to me. XXXX said this never happens, which leads me to believe they are discriminating against me for some reason. I have yet to hear from the supervisor who said he would call me back, even after calling three times today.
PHH has been impotent, incompetent and irresponsible. They have forced me to stay with them for this modification and loan as I can not get a loan with any other organization since I am now delinquent on the loan. My credit score, which was over 750 is now in the low 600 's, making getting a HELC impossible as well. They are forcing me into their program at whatever rate they want as they know I can not go anywhere else, which is predatory in nature.
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| 12/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I had a mortgage with PHH Mortgage. This loan was in my name and my ex husband 's name. During our divorce the title was signed over to me, but his name remained on the loan because the house was underwater and I could not get his name removed or refinance the loan. There was an impounds account for the taxes and insurance. When the home sold, there was a balance of {$6000.00} owed to me from this impounds account. I received a check for this amount made out to my ex husband and myself. I was unable to cash this check as it is a two party check and we do not share a bank account anymore. I called PHH and was told that I would receive a check made out in my name only as PHH had a copy of the divorce decree and the transfer of title signed by my ex when he signed the house over to me.
I never received this check and called again. Once again I was told that they had the information they needed to issue a check in my name only. Another month went by and I called PHH again. I was told I need to get my ex husband to write a letter to them releasing the funds to me and he has to have it notarized. I have never received any communication from PHH on this matter at all. They have had my money for over 3 months now. The home sold in XXXX and I am being told that they will research it and get back to me. Because of the holiday it will be another couple of weeks before they said they will call me back. I was not even given the address to send in a letter to. This is not a priority for my ex husband and we do not have a good relationship, I do not know if I will be able to get him to write a letter and get it notarized. He shouldn't have to do that anyway. There are legal documents showing that the home was signed over to me in the divorce. PHH has all of these documents on file. They even have documentation showing that my ex was very difficult when I was trying to work out a loan modification a few years ago.
I fail to see how a notarized letter from my ex would supersede court documents showing that the home was titled to me. The title company did not have an issue with the court documents and I received the proceeds from the sale with no issue. PHH has been holding my money and made no attempt to contact me or my ex in regards to these funds at all.
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| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I made my mortgage payment on line to Ocwen. I always make my payments at the end of the month before XXXX XXXX. Ocwen assured me that as long as the payment is made within the month it is not considered late.
My payment was made on line XX/XX/XXXX a little after XXXX XXXX. ( on time ) Upon checking my credit report in XX/XX/XXXX, I noticed that Ocwen reported that I was late on my mortgage payment for XX/XX/XXXX. Ocwen reported that I made the payment on XX/XX/XXXX. I immediately called Ocwen to address the issue in XX/XX/XXXX and the representative looked up the payment information and admitted that the error was made by Ocwen and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction.
Thirty days later I checked my report and the 30 day late was still there. I called Ocwen and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/XXXX and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after XXXX XXXX and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow Ocwen to change the late payment. She kept giving me different excuses.
I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that Ocwen does not valueme as a loyal customer by putting incorrect and negative information on my credit report.
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| 09/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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In XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam.
While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out.
The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX.
If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
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| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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ILLEGAL RETALIATION & EXTORTION Federal Law entitles a consumer to file a complaint with CFPB if a financial institution engages in financial malpractice against the consumer. I exercised such right and filed complaints against OCWEN LOAN SERVICING , LLC recently.
OCWEN agreed to correct its records and give me due credits only after I complained to CFPB. However, OCWEN retaliated against me for filing the complaints with CFPB as follows : 1. Following my complaint to CFPB in XXXX regarding OCWEN 's illegal charges of {$140.00} in my account, OCWEN credited my account for {$110.00} and denied the remainder {$25.00} ( EXHIBIT XXXX, attached ). In the process, OCWEN cancelled accrued modification incentive on my account ( EXHIBITS XXXX, XXXX, XXXX, attached ), but failed to identify and assign other eligible incentive as it proposed in EXHIBIT XXXX despite request that it do so. It is noteworthy that HAMP programs have incentives built in for consumers.
2. In late XXXX, I filed another complaint with CFPB providing substantiating evidence that OCWEN illegally charged my account for the {$25.00} it had XXXX refused to refund. OCWEN, in turn credited my account for the {$25.00} XXXX EXHIBIT XXXX, attached ). However, OCWEN retaliated against me again by doubling my outstanding balance from {$2300.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ) to {$4600.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ), thus precipitating an artificial delinquency even as scheduled payments were made to OCWEN on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in keeping with an agreement I reached with OCWEN following my Loan Modification as evidenced by the history of my previous payments ( EXHIBIT XXXX, attached ).
There was no past due payment amount and there is no past due payment amount contrary to OCWEN 's notation in EXHIBIT XXXX. Such entry is an illegal fabrication and purely retaliatory and nullifies California Law that gives the consumer at least 10 days from due date to pay mortgage loan without any penalties. The retaliation is intended to artificially induce financial hardship, enable OCWEN to declare delinquency, charge late fees and foil my satisfactory execution of terms of the loan and ultimately threaten foreclosure.
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| 05/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!!
p.s. This is a flexible mortgage, too. : (
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| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I purchased a home located in XXXX XXXX, Texas XXXX in XX/XX/XXXX with a conventional home mortgage funded with XXXX Mortgage. In XX/XX/XXXX, my loan was sold to XXXX mortgage. I had no issues during payment with XXXX Mortgage and XXXX mortgage. In XX/XX/XXXX, my loan was sold to PHH Mortgage. I routinely make extra principal payments each month of varying amounts based on additional income I have available each month. Initially the PHH mortgage website added a Pay to Pay fee of {$7.00} per month if I did not agree to accept all correspondence from PHH electronically. I did not want to accept all correspondence electronically, but I also did not want to pay this fee each month just to pay my mortgage online. A few months later, in XX/XX/XXXX, the website then stated that it would add the Pay to Pay fee again, if I did not agree to direct deposit. I do not want to automate payment because I will end up each month paying different amounts, which are varying direct principal payments. Texas has a consumer protection statute that limits all fees to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed, in the aggregate, two percent of the original principal amount of the original extension of credit. Section 153.5. The purchase price of my home was {$170000.00}. Based on this statute, the maximum fees to originate and service my loan are capped at {$3400.00}. At closing, I paid {$2000.00} of fees that are considered part of this 2 % cap limitation. That means no fees greater than {$1400.00} can be charged on my mortgage for its remaining duration. I also did not agree to pay {$7.00} every time I make my monthly payment electronically on my mortgage in the original note, which is the controlling contract as assumed, and unchanged, when it was purchased by PHH Mortgage. If I paid {$7.00} for the life of the loan, I would pay {$2700.00} extra of a 30-year term just to pay for my mortgage. This is an unlawful increase in my monthly interest charge that I did not agree to. This Pay to Pay fee is not included in my note. This Pay to Pay fee costs more than PHH Mortgages the cost of processing an electronic versus a direct deposit payment because both are handled by computers and EFT transfer requests to my bank.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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Ocwen, which recently changed their name to PHH XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.
1 ) Ocwen/PHH/XXXX XXXX has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven.
2 ) Ocwen/PHH/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.
3 ) Owen/PHH/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number XXXX, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX.
4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of Owen/PHHXXXX XXXX.
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| 09/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted.
I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue.
I can not wait for the day until my mortgage is sold again away from this terrible company.
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| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My brother, aunt, and I inherited my late mother 's home in XXXX. The home had a mortgage on it, which we paid off in XX/XX/XXXX pursuant to a loan payoff quote received from PHH Mortgage Services. Unfortunately, PHH Mortgage Services did not take into account our regular loan payment for that month when providing the payoff quote and, thus, the company received an overpayment when we paid off the loan. PHH Mortgage Services mailed a check for the overpayment in the name of the estate despite being told multiple times, including in XX/XX/XXXX, that our family does not have an estate bank account.
Following our payoff of the loan, we were informed about the overpayment and told by multiple PHH Mortgage representatives that the mortgage company would issue a check in the amount of the overpayment and would include as the payees the property owners, my brother, aunt, and me, since there was no estate bank account. However, the company sent a check in the name of the estate in spite of their prior claims. When receiving the erroneous check, I contacted the company and was requested to once again send copies of the deed and probate paper. Upon sending those documents, I was informed that the check would be re-issued in our names. I followed up several times after this conversation and a new check was not re-issued until XX/XX/XXXX, and was once again issued with the estate as the payee.
I have tried resolving this issue with the mortgage company since paying off the loan in XX/XX/XXXX, including speaking with a representative today, XX/XX/XXXX, to no avail. My fear is that the mortgage company will wait for the erroneous check to expire and fail to pay my family the overpayment it received on the account. As I have explained over and over, if their accounts payable team has difficulty understanding how to include multiple payees on a check, then they can simply refund the overpayment to the bank account from which we paid them.
We are a working class family from extremely humble means so every cent matters to us. We feel it is unfair that PHH Mortgage Services could get away with stealing our money as a result of their own error in not providing an accurate payoff quote.
We would sincerely appreciate any assistance the CFPB may provide.
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| 05/24/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have applied for a loan modification Ocwen mortgage at least 5 times. The first couple of times I applied I was denied due to not obtaining a signature from a spouse that I had been separated from 16 years and he was not a co-borrower on the loan on which I was requesting the modification for. The most recent modification was denied do to Ocwen stating they did not get a signed agreement from me, and after I had made all three requested payments earlier than requested. During conversations with Ocwen, they never once requested those documents from me and I had spoken with my relationship manager at least 4 times during that period. Also, when I initially called regarding the status of the mod on XX/XX/XXXX, the rep never advised me that the payment was due on XX/XX/XXXX. Coincidentally, I received a statement in the mail advising the payment was due on XX/XX/XXXX. Also during the 4th time I applied, I contacted Ocwen to discuss the mod, and they had already denied the mod, per the rep I spoke with, due to me not making a payment within 1 day of the due date the 2nd payment was requested The tracking on the payment reveals that Ocwen received the payment on the XX/XX/XXXX by XXXX XXXX, but the payment was not processed until the XX/XX/XXXX of the same month in which is was received. Another issue I am noticing with Ocwen is that, they are not really advising me properly when action is taken on the mod. I spoke with them last week and they stated the mod was denied on XX/XX/XXXX. I have yet to receive those papers as well. They are taking negative action on the mod and not notifying properly. I assume that I may not be the only client that may be experiencing similar issues with Ocwen. Ocwen is also reporting my account closed and that no payment has been received since XX/XX/XXXX on my credit report and causing my score to be lower, when the account is open and up payments were being made thru the trustee before the account was removed from the bankruptcy. I 've also noticed that payments sent by mail are processed as late as 16 days. This could mean unreasonable capitalization of interest and late payments for some customers. On the other hand, when I pay {$16.00} and pay through an online company my payments are posted within 3 days.
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| 11/05/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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We are homeowner with a mortgage serviced by Ocwen. I am a Veteran and retired from XXXX with nearly 14 years in. My story is two-fold, 1.Making payments-Loan servicing, payments, escrow accounts 2.Problems when you are unable to pay-Loan modification, foreclosure Ocwen purchased our loan from another mortgagor. At that time they constantly said our full monthly payment was short bc of fees the previous company took and so Ocwen kept taking our monthly payment and applying it to fees instead of the principal payment and told us we only made a partial payment when we would MAKE NUMEROUS calls to someone in XXXX. This cycle continued on a monthly bases without any warning that we were being set up for a foreclosure scam with XXXX of other home owners. They also had a monthly fee for coming by the house and telling us we did not live there. The kicker here was that Ocwen would never give you their email address and then tell you that they never received the fax from you with the number Ocwen would provide.
THE FOLLOWING PRACTICES WERE CONDUCTED BY OCWEN SERVICING OUR LOAN.
1.Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; 2. Charging unauthorized fees for default-related services ; 3. Proving false or misleading information to borrowers regarding loans that had been transferred from other servicers.
I also went on the Ocwen website and there was a contradiction that showed payments were made in full and not late, so I printed those out. But after I tried to get a credit check to refinance the house, Ocwen then removed the payment history and changed all the information to delinquent on the website and on the credit history. This so discouraged us that when we saw what they did to my credit score and the mortgage rate we were offered we quit and were XXXX. It effected my wife XXXX and I could n't do anything to fix it.
Ocwen tried to push us into foreclosure by XXXX XXXX.
Took advantage of us with servicing shortcuts and unauthorized fees.
Deceived us about foreclosure alternatives and improperly denied loan modifications.
Engaged in illegal foreclosure practices.
This lead to foreclosure talks and us fighting to keep our house by get up to date on our payment.
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| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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What I'm failing to understand is unprofessionalism and the many violations coming from CFPB. This is NOT this first time you have provided my personal information too unauthorized companies. A company that has no legal right or my consent to access or utilize my personal information.
I made my report to you, CFPB about a company that was a part of my XXXX XXXX discharged bankruptcy that had gone out of business however XXXX continued fraudulently reporting for OVER four years ruining my credit report.
I got a letter in the mail from some strange and unknown mortgage company that i have NEVER did business with, ever. This unknown company is NOT a part of my bankruptcy. The original creditor is listed in the bankruptcy and that account number has been discharged under the original creditors name.
For this unknown company to have gotten access to my personal information and accessed files FROM the United States Bankruptcy Courts, FEDERAL documents and illegally altered the information, AFTER a Judge has discharged the account is a whole crime within itself!
This unknown company has NO legal rights too any of my addresses, account/case numbers nor anything else. For one, I did NOT willingly consent and for two, the entire account was long discharged in Federal Bankruptcy Court BEFORE the company went out of business.
PLEASE tell me when will this stop? When I filed Bankruptcy, EVERY account under the bankruptcy rules and laws were too be REMOVED off the credit report COMPLETELY! This is the results of bankruptcy debt buyers that are only interested in XXXX XXXX and XXXX XXXX discharged debts.
It's been ALMOST 5 years since the discharge and i have NEVER fully been given that right too a fresh start because you all allow these discharged accounts too continue too be listed on my credit report. How could an agency that is supposed too help allow such criminal behavior? This is supposed to be an government agency I have kept all my copies of reports and complaints and a very long list of criminal activity because I want others too witness how horrible an government agency allowed an consumer to be treated by creditors that are allowed to violate FCRA and completely ignore an court injunction & boldly being in contempt of court.
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| 07/14/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXX we received a mortgage modification through the federal making homes affordable act. Later that year we had to file chapter XXXX. Because we were in bankruptcy our mortgage company stopped sending us statements. We continued to pay the amount specified in the modification and everything seemed fine.
XX/XX/XXXX I logged into the banks website and the payment due had doubled. We had no idea why so we contacted them. Their help was minimal only saying there was an escrow shortage. We demanded an accounting of the account and a month later we received it.
The document showed that XX/XX/XXXX some {$2400.00} had been pulled from our escrow account marked as 'POS escrow shortage '. When we contacted them to ask what that was for they could n't give us an explanation.
It should be noted that XX/XX/XXXX we converted our chapter XXXX to a chapter XXXX.
From XX/XX/XXXX until now we have continued to pay the modification payment while attempting to get an explanation for this missing money. They continued to demand double payments and continually put the payments we sent in into 'suspense ' all while demanding this extra money.
XX/XX/XXXX their attorney filed a motion with the bankruptcy court to allow them to file for foreclosure due to us supposedly being late. When our bankruptcy lawyer sent a letter to their attorney demanding a accounting of the missing money they got nothing. Their attorney eventually tried to get the motion he had filed dismissed stating to my attorney that the bank had ignored his request for information about the missing money.
My attorney brought this up with the judge today but the judge stated he would n't rule on it since the bankruptcy was going to be finalized within a week. He told my attorney he could bring this up in a state court ( during another foreclosure case ).
So now we are stuck and within the next two weeks the mortgage company will be able to file for foreclosure even though they outright refuse to tell us where this money went. I have done an escrow sheet without the {$2400.00} removed and there is literally no shortage whatsoever.
We have almost no means to fight this and especially since the mortgage company refuses any and all requests to account for the missing {$2400.00}
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| 02/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX.
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property.
We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion.
I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX.
This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 ) they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly.
Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out.
We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX.
Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent.
XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy.
This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home.
My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.
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| 09/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd ( {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met.
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded.
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX
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| 11/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My mortgage was with XXXX XXXX, when the housing market crashed XXXX XXXX XXXX bought XXXX XXXX and sent to a servicer PHH. They, PHH Started placing harassing phone calls with me on the XXXX of the month when my mortgage isn't even due till the XXXX of the month. They charged me late fees on the first of the month as well as " Fees '' and " other Fess '' which they would take out of my on-time mortgage payment. After they would misappropriate the funds they would then place the remainder of my mortgage payment into a suspense-account then report to all three credit Bureaus that I was not making the full payment. When I called them out on this they claimed I also had a shortage in my impound account. They took an entire mortgage payment in " Fees '' then claimed I didn't make the payment at all. When I showed them the Electronic payment information from my Banking institution they then claimed they never received it and that I had to make two payments in order to be current. Mind blowing .... They have erroneously taken through the years thousands of dollars from me they are not entitled to. They have tanked my once XXXX credit score into the mid 500 's as they report to the credit bureaus inaccurate info. When I contacted all three credit bureaus it ceased for 30 days but then PHH verified it was true and correct again. It's a repetitive cycle .... They have me over 30-days late for years now. I've never missed a payment or been 30-days late in the 16 years I've owned this house, which I purchased in XX/XX/XXXX when I was XXXX XXXX in the XXXX XXXX, of which I Retired in XX/XX/XXXX with 24 years service. I can't even refinance my house to get out from under them ... I asked for payment history and they sent me a deed in lieu three times. When I finally received the printout which I had to use a magnifying glass to read because the print was the size of Tom Thumbs fingers, you can see the blatant fraud from their own records. 49 states Attorney Generals have sued PHH for Servicing Fraud already ... They continue the same practices. I have filed complaint with AZ Attorney General as well as Consumer affairs. I am seeking Counsel ... I'm not going to lay down and take it anymore. Something has got to be done about this Company ....
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| 06/20/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I obtained a firsdt mortgage and a 2nd ( HELOC ) on XXXX XXXX XXXX with XXXX XXXX. The loan # with XXXX was XXXX. XXXX was acquired by XXXX. I contacted XXXX XXXX and they only show that the loan was transferred to XXXX XXXX / GMAC immediately. GMAC servicing is now handled by XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX at XXXX and left a very long and detailed voicemail. Ocwen is only able to provide payment history from the date the loan was transferred to them which is XXXX. I am trying to refinance as a rate and term refinance. In order to do so the current conventional lending guidelines require that I prove from my current lender that no draws were taken out from the inception of the loan. I need Ocwen to state that. I have n't ever used the HELOC for draws. It was only used to obtain the loan. I am now in jeopardy of losing the ability to refinance to pay of the HELOC while interest rates are low. The value has n't completely come back pre XXXX but I can now afford to pay it off with the current appraised value and some funds from me. There is a balloon payment on the HELOC in 3 years that I want to avoid. I need Ocwen to provide a letter stating that the loan has n't ever had a draw and to also produce the note. I think it is very restrictive that they wo n't /ca n't provide records to allow me to refinance to pay them off. I 'm not asking for any favors. It is unfair but if I were to start missing payments it would be an immediate impact on my credit and my ability to secure low interest rate financing and even employment. I am now 2 weeks into this process and I keep getting the run around. The letter I am going to upoad from Ocwen states there has been no draws since the loan was relocated to them but I need it from XXXX/XXXX/XXXX. If they lost or did n't obtain the records I feel they should provide anyway as I am powerless to move forward without it. I am trying to pay them off with no fault of my own I 'm at an impass.My monthly payment is XXXX a month. I am trying to give them their entire XXXX in a lump sum in less than 2 weeks. One would think they would do what is necessary since its a problem that these lost records have created. I have not missed a payment on this loan in 12 years. Please help resolve this.
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| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. I've talked to the bank & they've agreed to update the account. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor PHH MORT SVC XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
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| 03/15/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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This is the second complaint to the CFPB on this death/assumption/modification closing. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate?
The loan was transferred to XXXX who is now requesting {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : XXXX?
Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : XXXX?
REMAINING AMORTIZATION TERM : XXXX?
Modification Effective date : XX/XX/XXXX?
XXXX XXXX XXXX : XX/XX/XXXX I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of.
I was already promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously when this loan was paid off? Is it a technicality that transfer does not mean paid off?
Ocwen is now requesting estate documents before they can talk to me ( letters attached ). Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement ( both attached ).
The payments are current to XX/XX/XXXX and all payments were made as agreed per the contracts we are into 6 payments and no one is paying attention. All documents have been provided after continually contacting OCWEN and finding someone who made sure I got the documents to notorize and finalize this transaction. Only to find that it has not been finalized because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.
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| 08/14/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always.
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.
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| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently refinanced my home and have been having trouble with the originating mortgage company PHH Mortgage, providing accurate information regarding my loan payoff. I initiated this request on XX/XX/XXXX & barely received a payoff quote on XX/XX/XXXX. Aside from the runaround I received in getting an accurate quote due to a 'shared appreciation ' amount they said I owed due to a loan modification done in XXXX ( I also think there should be a limit as to when they can try to recoup any increase in property value ), they have now come back and said the quote was inaccurate & I owed an extra {$1000.00} for the cost of the appraisal they ordered, although the line item only states 'recoverable balance '. Several issues here, I was not told that I would have to pay for the appraisal when I initiated the request. I now have a copy of a letter they said was mailed to me, but was not received by me vial USPS, saying I could order the appraisal or valuation, or they would. I only received a call from an appraiser to do the work, which I assumed was just part of their process, again, not being in receipt of the original letter. Otherwise, I would have ordered my own appraisal. The letter also states that if the mortgage company orders the appraisal, I would have to pay for it and the cost would be 'up to {$520.00} '. I have also called to ask for a copy of the appraisal invoice and the mortgage company 'ca n't find it ' and said they would have to do research to locate it and send it to me. So, they are trying to charge me over the amount stated, they can't provide proof of the amount charged by the appraiser, and they are threatening to return funds for the original payoff until the full balance is paid. I believe this company to be deceitful in trying to gain more funds from me when they can't provide sufficient evidence. They are also attempting to gain more funds by returning the payoff monies, they can then start to charge additional interest. Aside from the additional money being requested, I have 12 different payoff letters from the company, most in different amounts, and so they can't even figure out how much the payoff is in the first place. I'm refusing to pay any additional balances and request this company be investigated.
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| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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During the month of XXXX 2020, I contacted PHH to inform the company not to pay my homeowners insurance due on XXXX XXXX, 2020. It was my decision to pay myself. I also informed the representative that I would be paying off the balance of my escrow in XXXX and XXXX of 2020 to lower my mortgage and avoid any more interest payments on escrow monies owed PHH. PHH informed me that they would send a form that I must sign and return to them. The letter of instruction was sent to me and returned signed via USPS in XXXX 2020. My mortgage payment at the time was $ XXXX/month which included an escrow payment of {$360.00}. Additional information found for the month of the XXXX statement was {$1500.00} owed towards the escrow. On XXXX XXXX, 2020 I paid a total of {$1500.00} which included the {$810.00} towards the mortgage payment. In addition, the amount of {$770.00} was applied towards the escrow. The amount {$770.00} paid was designated in the escrow category on their website. On XX/XX/XXXX20 I spoke with a representative of PHH to ensure that it was recorded for the specific amount to lower my escrow owed. The representative assured me it would be updated and my new monthly payment would reflect a change. Upon reviewing my newest online information on XX/XX/XXXX20 it was found that my new monthly payment was {$790.00} due on XXXX/XXXX/20 however, there was no indication that I paid {$770.00} towards the escrow. After contesting that the previous two months escrows were never applied towards the stated {$1500.00}, the representative then explained I made an over-payment and {$170.00} would be refunded to me by mail. In further review of the XXXX statement it was discovered that my new escrow payment was now {$2800.00}. On XX/XX/XXXX20 to confirm our agreement of my sole responsibility to pay my own insurance it was learned from their representative that they have no written information of my signed release. After debating my previous conversations it was charged to the representative that I would be escrowing my taxes only and paying my homeownwers insurance out of pocket. The representative explained to allow PHH at least 10 working days to update my account of which they have disregarded to do from previous telephone conversations.
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| 03/13/2019 |
Yes |
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- Trouble during payment process
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Web |
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Ref : Hard Ship Letter : NACA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX Loan # XXXX Date : XX/XX/XXXX I received a mortgage modification with the help of NACA after several failed attempts working with the Servicer, Ocwen Loan Servicing having suffered several hardships. However, it seems that Ocwen Loan Servicing and the XXXX and the now current Servicer, are attempting to make the nullify the modification after two years.
In XX/XX/XXXX, I learned that Ocwen Loan Servicing and XXXX XXXX XXXX was co-servicing my mortgage ; Also I was adviced by XXXX XXXX XXXX to send my mortgage payments to XXXX XXXX XXXX. I did not receive any letter from Ocwen Loan Servicing confirming that XXXX was the new servicer so I contacted NACA who confirm that XXXX XXXX was the new servicer.
I started sending my mortgage payment from the months of XX/XX/XXXX onward to XXXX XXXX XXXX but the company sent back ALL the mortgage payments back to me, stating that Ocwen reported the XX/XX/XXXX payment was not received.
I reported both to to XXXX XXXX that Ocwen Loan Servicing reporting of the XX/XX/XXXX payment is is incorrect, because I have proof of the hand-delivery receipt of the payment and also date the money order was cashed. I sent both Ocwen Loan servicing and the XXXX XXXX proof that the XX/XX/XXXX payment was received, and information that the money order was cashed.
Even with all the evidence that I presented to Servicing companies, the mortgage payments were still being rejected. Now Ocwen Loan Servicing has filed a foreclosure notice to take my house away.
I am seeking assistance from the department of Consumer Financial Service to rectify their error and allow me to resume making the mortgage payment. I am worried that the Servicing companies have device a plan to take away my home and make me XXXX. Please help me I made several personal attempts to work with the both Servicers Ocwen Loan Servicing and XXXX XXXX to remedy the error in recording and reporting the mortgage payments without any success. I am now working with NACA in an attempt to save my home.
Thanks for helping me save my home and keep a roof over my family head, one of the basic need that all of us have.
Sincerely XXXX XXXX XXXX EmailL : XXXX XXXX
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| 02/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I refinanced my mortgage at the end of XXXX and now PHH XXXX handles it. It was late XX/XX/XXXX when I noticed that one of my tax bills was marked as delinquent. I have two property index numbers associated with my mortgage. One is my condo and the other is my deeded parking spot in the same building. The tax payments for both were always handled through my mortgage in the past but clearly, the deeded parking spot was omitted when the refi happened. I alerted PHH about the issue right after the new year and they have logged a ticket for a resolution, but this is still not fixed and the delinquent tax bill keeps being charged delinquency charges in lieu of PHH not taking care of it. As of XX/XX/XXXX PHH is still passive on this issue. After a veyr long and frustrating phone call with PHH, I got the name of the company they work with for tax payment, called XXXX XXXX. I called XXXX XXXX ( they handle the tax payments with/for PHH ) directly to figure out what the problem is since PHH blamed them for not responding to the ticket they logged with them. A very helpful customer service agent helped me at XXXX XXXX. She noted that not only has PHH not submitted the overdue/delinquent tax amount due last year, but they also screwed up my account even more!!!! Instead of simply adding the deeded parking spot alongside the condo, they omitted the condo tax bill and only added the deeded spot. Had I not called XXXX XXXX directly, this would have turned into a much larger mess than it already is. I am hoping that this will be resolved quickly now that I have gotten some clarity and action from XXXX XXXX, but I am concerned about PHH in general and that they will try to make me responsible for the delinquency charges that have accrued on the parking spot tax bill. There is no reason for the passive/non-urgent response from PHH, not to mention that they were in the midst of messing up my account even more!!! Frankly, it's disgusting that I have had to be the one to take initiative on things they should have been doing all along, i.e calling XXXX XXXX to check on the status/pressing for the resolve of this issue. I have never been late on a payment once, so this is just a gross display of PHH XXXX lack of concern and consideration for me.
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| 12/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.
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| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XXXX of XXXX I recieved a call that my home was up for forclosure if I didn't catch up with my payments. In XXXX of XXXX a payment for XXXX was wired to ocwen loan servicing. According to them they had repeatedly sent notices which I didn't receive. They took my payment which they can't locate and on XX/XX/XXXX a man knocked on my door and informed me and my son that he had bought our home and that it was no longer ours. Ive tried a million times to contact ocwen but they sold my loan to a new company. They constantly added charges claiming mail charges do I was always short on my loan payments because they put it towards other things. It's not on me to pai for mail they send which I wouldn't receive regardless. I recieved a call yesterday stating that my loan would ne up to date if I made a payment for XXXX. My loan was XXXX for one and XXXX for the other. If i was ONLY behind XXXX and that would get me caught up, how could they have sold my home and leave us homeless. This has caused major XXXX for my son, myself and my daughter. It's not only unfair but embarrassing. I have my credit ruined and it's also cause a lot of turmoil on my family. I owed XXXX on the home, the man is willing to resell to me for XXXX more than he paid for it or it's worth with XXXX non refundable until I get a loan or the end of XXXX. I reported back in XXXX that I was divorced and thr home was awarded to me they didn't make the changes now the check can't even be given to me because my husband was dull on the loan so I can't even use that money to help us find a place to stay for the meantime. I have no family here other than my mom who has worked all her life to have her home and she's willing to put her house for us to get a loan to regain our home back bit her DTI in too high so we can't get approved for a loan. Please help me. Ocwen is the most fraudulent mortgage company ever. I'm out a home, escrow payment and attorney fees. I don't care about anything else 3 but this was my kids home and they took it from us. Im desperate. My son graduates this Saturday from high school which he worked so hard to do, and the only thing he's got to look for and not having a place top come to after graduation. He wants nothing but to have his home back.
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| 10/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.
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| 08/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Dear CFPB Representative, We signed a " shared appreciation agreement '' with Ocwen Loan Servicing , LLC who represents the note holder XXXX XXXX. In this agreement Ocwen was to, in exchange for, very high payments, forgive a substantial portion of the principal owed on their mortgage. Now comes, that after over a year of us making excruciating payments that have depleted our savings, Ocwen has pulled out of the agreement leaving us with a foreclosure, likely loss of our home, and our life savings gone.
They claim that their employees / representatives misled us into this situation but that at the end they were canceling the agreement and moving forward with foreclosure. We have already received the foreclosure notice.
The key provision of this agreement was the principal forgiveness. The note holder, XXXX XXXX, had us locked in what they call a " negative amortization '' loan, where the balance of the loan actually goes up instead of down. Together with the housing crisis of 2008 we have a very severe negative equity in our home. After the government prohibited these negative amortization loans, the note holder changed us into a regular ARM in order to what they termed " stop the bleeding ''. However the payments soon tripled in size and made things impossible. Subsequently Ocwen, now the new servicer of the loan, convinced us to sign this agreement in exchange for this principal forgiveness that would pull us back to a break even equity position. Based on that we signed. Now that the market has been improving, Ocwen has decided to pull out. In our opinion they have done so in order to bring in more cash for themselves from a foreclosure rather than having to comply with the principal forgiveness agreement they signed with us. They are covering their tracks by removing long time representatives from our account, bringing in bogus " customer advocate reps '', erasing electronic correspondence within our account at their website etc.
We find this to be negligent and outrageous. We have been sent into financial disaster by Ocwen Loan Servicing , LLC and the note holder XXXX XXXX.
***A more detailed description of the situation is given in the attached documentation together with other related supporting documents***
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| 06/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
We have had our home mortgage through PHH mortgage since XX/XX/XXXX, and purchased for {$410000.00}. We put a minimum amount down due to the interest rate being so low. We new that once our loan amount was lower, or value increased, we would be able to drop our PMI.
As of today, XX/XX/XXXX, our payoff is roughly {$370000.00}. The housing industry has vastly increased since we purchased our home. In XX/XX/XXXX, we payed PHH the requested amount to obtain a Broker Price Opinion. Multiple houses on our neighborhood with similar square footage have sold for over {$500000.00}. We were confident that based on this information our Broker Price Opinion would adequately reflect the market increase. Upon contacting PHH and requesting an update multiple times, we were advised that the BPO came in at {$420000.00}. Perplexed by this, we had them send us a copy of the appraisal. We were rather surprised to see that the appraiser forgot to include any of our fully finished walk out basement in the basement square footage portion of the BPO. The bedroom, bathroom, and number of rooms on the BPO repflected the rooms in the basement. Pictures of these rooms were also included in the BPO. We contacted PHH, who also has the original appraisal from XXXX, which reflects the basement square footage. The original appraisal was a fully in-depth appraisal performed by a state certified appraiser, not a real estate agent performing a broker price opinion. PHH said they were aware of this, and would take it into consideration, but also requested the legal description of our house. We submitted all information requested, even though they should have it. The most recent email from PHH is requesting additional legal documents that reflect the propertys square footage. PHH gave us the original mortgage based off our original appraisal showing a total square footage of XXXX. This appraisal was considered an acceptable documentation of our homes square footage when obtaining a loan from PHH.
We have gone back and forth, and PHH refuses to use our square footage from the original appraisal, and refuses to allow another BPO to include all of the homes square footage.
PHH is expressing predatory lending habits and is taking advantage of a XXXX veteran
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| 06/27/2022 |
Yes |
- Mortgage
- Reverse mortgage
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|
|
Web |
Servicemember |
|
I would like to file a formal complaint against PHH Mortgage Services for inflated payoff cost, XXXX discrimination, and retaliation after my initial complaint. Locations that I previously sent written disputes ( see enclosed communication dated XX/XX/XXXX ) in an attempt to resolve my complaint, include : PHH Mortgage Services XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PHH Mortgage ( Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Ocwen Financial Corp ) Attn : XXXX XXXX, Chair of the Board XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX Complaint recap On XX/XX/XXXX, I requested a payoff statement from PHH. PHH provided a payoff statement on XX/XX/XXXX for {$68000.00} good thru XX/XX/XXXX. PHH also provided the title company with this amount. On XX/XX/XXXX my family closed on the estate property, and XXXX XXXX company wired the payoff amount to PHH. On XX/XX/XXXX, PHH contracted with attorney XXXX to accelerate foreclosure on our family home and sent a XX/XX/XXXX revised second payoff statement with the same XX/XX/XXXX good thru date to include additional appraisal fees, but did not communicate this fact until after the sale.
The second payoff amount was {$69000.00} a difference of {$790.00}. On XX/XX/XXXX attempts were made to resolve this dispute, but PHH would not accept payments until another, third, payoff statement was generated. The third payoff statement dated XX/XX/XXXX in the amount of {$71000.00} now included fees of an additional {$2500.00} and noted FORECLOSURE status on the statement, unlike previous payoff statements. I wired the difference between the amount sent by XXXX XXXX XXXX ( {$71000.00} - {$68000.00} ) and the newly inflated third PHH payoff fees on XX/XX/XXXX with the intent of filing a claim to seek reimbursement and report PHHs deceptive unethical practices.
I believe that my family and I have experienced XXXX discrimination due to the history of fees assessed to families of XXXX as well as being the victims of inflated predatory fees while attempting to close our loan with PHH. For these reasons, I am asking for an investigation of PHHs inflated fees and reimbursement of {$2500.00} by PHH for fees paid after our home was sold and paid PHH the original payoff amount.
|
| 07/14/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
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Web |
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FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX, shortly after learning about the insurance issue with Ocwen.
Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today.
The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached.
I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.
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| 12/22/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have violated the Homeowner bill or Rights in its foreclosure proceeding on a loan that I have inherited and have extended myself to Ocwen to find a viable solution. Without Properly foreclosing on the home XXXX and its affiliates have Broken into my home taken my personal belongings and changed my locks.
Ocwen was notified on XXXX XXXX 2015 that I gained ownership of home by foreclosing on a XXXX XXXX deed by following proper procedure of foreclosure laws for non-payment of prior owner. I also had to evict them and fight off a frivolous lawsuit. At the same time I applied to Ocwen to get some type of short payoff on existing XXXX loan that I inherited during takin of ownership that was taken out by prior owners. In the process of negotiations they have violated my rights.
1. As Ocwen and its service providers have broken into my home changed locks and have stolen personal property including material and tools for the pending construction. Estimated value of materials $ XXXX {$5700.00}. ( blatant violation of my rights ) 2. During the process of contacting Ocwen I have left voicemails and emails sent to contact in XXXX which I have encountered language barrier and script reading that besides denying a shot payoff request once has not provided any other alternative of resolving my inherited issue ( Runaround and failure to provide Notification of Foreclosure Alternatives ) 3. the Notice Of Trustee 's Sale recorded XXXX is not against current owner and this is enforcement of Prior owner without proper notice to current owner that Ocwen will peruse the foreclosure ( Restriction against Dual Tracking ) 4. I feel that Ocwen has not implemented regulations set by XXXX XXXX and enforced by CFPB to protect homeowners like me and is not offering ( Fair review Process ).
I ask that that the notice of sale dated XXXX XXXX 2015 to be postponed immediately and a Representative of Ocwen that has authority to negotiate from the Unites state contact me so I can understand my option and also explain myself properly. Ocwen has blatantly walked over the Homeowners bill of Rights in their handling of this process and I firmly believe this is an every day occurrence in their dealings.
|
| 04/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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|
Web |
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To whom it may concern, This is a complaint against not only ocwen llc, but, also goldman sachs, for fraulant activity, dealing with my mortgage that originated with XXXX, apparently Ocwen, went to XXXX XXXX to invest in my property and they did as of XXXX/XXXX/XXXX. My loan with deuache Bank was paid off, Ocwen never gave me my satisfaction of mortgage, so I went to city hall and they informed me that my account had been updated as od XX/XX/XXXX,. On XXXX XXXX XXXX, one day before forclosure which I was not informed of, I was called by someone in the research esclations deptment telling me not to worry about the forclosure that my house is in the satisfaction of mortgage dept, well low and behold my home was sold on XXXX XXXX XXXX, even after the sherriff had told the law firm it was a fraudulent sale, 30 minutes later they had bought my home. Now I have been fighting to keep my home filing motions and being denied, I do not know if I could appeal it now I 've been sick, and my sister in law passed, But, I will go do that on XXXX/XXXX/XXXX. Now I have called Ocwen research XXXX/XXXX/XXXX, and they are again telling me it 's being investigated. I also called XXXX sachs reguarding their investment on my home and they toldme they ca not discuss this with me, but, he will be getting intouch with Ocwen, to see what is going on. Apparently, Ocwen, was servicing both of these investments, I have called XXXX and spoke to a vice president, who claims although he had everything stating my loan was satisfied in XXXX he could not put anything in writing. I do n't understand how people could sleep at night knowing they owe you what is yours. Now I have Ocwen 's eviction lawyer XXXX XXXX, phone number XXXX XXXX, she too has that it is paid off and she told me there going through with the eviction, Please help me, My home is mine, and no judge will go against another, they wont even look at my evidence, this is a violation of my rights. I need your help ASAP, Please I have XXXX daughter 's and a granddaughter in my home with me. Ocwen 's reo is coming to my home at night and flashing a flash light in my front window, that 's trespassing. I do n't know what to do, I have no money it has all gone on saving my home, Please Help Me.
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| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank.
A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a Servicing Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them.
On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then.
On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.
|
| 07/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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This is an ongoing complaint which is almost correct. Below is the information pertaining to the last outstanding issue I have which I can prove is incorrect. OCWEN Loan Servicing is still standing behind the claim that I did n't pay on-time for the month of XXXX 2014. Please see the attached XXXX XXXX document which proves the payment was made to OCWEN Loan Servicing account on XXXX XXXX 2014 ; but the payment was n't acknowledged until XXXX XXXX 2014. This issue resides purely on OCWEN Loan Servicing methods of servicing. After several attempts to get OCWEN Loan Servicing to accept the documentation and update my credit report they 've refused and assured me that all reporting was correct ... we now know several errors were made. Additionally, I would like to know what assurance do I have that this type of issue does n't come up again because frankly, I 'm ticked off and forgiveness is n't on the radar. THE HIGHLIGHTED INFORMATION ON THE DOCUMENT PROVES WHEN THE PAYMENT WAS MADE VIA ONE OF THE OPTIONS GIVEN BY OCWEN LOAN SERVICING.
OCWEN LOAN SERVICING CLAIM Our records indicate after the credit correction was completed, only the XXXX XXXX, 2014, monthly contractual payment was reported as delinquent, as it was not received by Ocwen until XXXX XXXX, 2014. Ocwen is obligated to report the account accurately to the credit bureaus, based on the contractual due date. Further, if payments are not received within the month due, then the account would be reported as delinquent. As the XXXX XXXX, 2014, monthly contractual payment was not received in the month due, Ocwens records indicate that the credit reporting correctly reflected the account as delinquent. As such, this credit reporting is valid. Included in your correspondence you advised the account should be reported as modified. While the Assumption and Assignment Agreement advised the property will transfer to you as modified, it does not outline that credit will be reported as a modified status. Section 4, Consent to Transfer, of the Assumption and Assignment Agreement, advises lender herby consents to the transfer of the property described in the Loan Documents, as modified, and waives its right to accelerate the entire unpaid balance of the Promissory Note.
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| 05/26/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.
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| 08/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I filed for BK Chapter XXXX on XXXX. Eventually in my desire to keep my home I applied for loan modification with OCWEN and completed my XXXX trial payments in the amount of {$1900.00} each month on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX respectively to be considered for HAMP. After fulfilling my XXXX trial payments & after signing the HAMP Agreement ( which I had to send back to them for them to sign as instructed ), I was instructed by one of the relationship manager from OCWEN to get a " Motion To Get Quote ( or Court ) Approval '' from my BK lawyer. I was also told that I do n't need to make any monthly payments ( for XX/XX/XXXX & XX/XX/XXXX ) and that my HAMP application will not be processed or approved until they receive the required legal paper from my BK lawyer. I was also advised that monthly payments will resume after I receive back the signed HAMP agreement.
I was surprised for OCWEN to tell me that I still needed to pay for the months of XX/XX/XXXX and XX/XX/XXXX when I followed up the status of my modification in XX/XX/XXXX because I have not received any papers from them yet. I asked them for the transcripts of all my telephone conversations with them that occured in the month of XX/XX/XXXX to prove to them that I was told not to pay while the HAMP application is still in review but they declined to provide me the full transcript and I was told that I needed to pay for the months of XX/XX/XXXX & XX/XX/XXXX which I declined to do so pending my request 's fulfillment which is the telephone transcripts for the month of XXXX.
I called OCWEN again in XX/XX/XXXX and I spoke with one of their employees named XXXX ID # XXXX and requested the following : XXXX. Transcript of all telephone conversations between myself and OCWEN that occured XX/XX/XXXX and XXXX. Billing statements. XXXX promised me that billing statements will be sent to me as well as the telephone transcripts requested in a couple of days.
It 's been almost XXXX weeks now and I have not received any billing statements from OCWEN since the approval of my HAMP and I have not received the telephone transcripts that I requested.
Also for your information, I have not received any decision yet from the BK court for my BK application up to this day.
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| 12/20/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I am attaching more documents. I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/2019, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. MyXX/XX/2019 payment was due. On,XX/XX/2019 I paid the XX/XX/2019 payment on XX/XX/2019 which put my account into a current status. My next mortgage payment was due on, XX/XX/2019 The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/2019, just days after my account was put in current status the troubled loan servicer created a XX/XX/2019, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/2019, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/2019, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/2019 letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/2019, immediately.
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| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year PHH Mortgage has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through PHH appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, XXXX, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the XXXX day late for XXXX of XXXX was not corrected and that it was in fact verified with PHH. Confused, we contacted PHH and we were connected with an escalation specialist XXXX ( I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from PHH and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with XXXX Credit Reporting app and I was able to upload the documents provided to me by PHH verification that the XX/XX/XXXX payment was NOT XXXX days late and they would correct per their investigation. We were correct. PHH was reporting in ERROR! Today I received the results of the additional dispute and the XXXX day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with PHH and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from PHH. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.
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| 12/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XX/XX/XXXX PHH Mortgage/Ocwen Case # XXXX XXXX XXXX | Sales Manager, Direct Lending Sales PHH Mortgage Corporation NMLS # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll Free : XXXX ext. XXXX Fax : XXXX XXXX www.phh.com Good Morning XXXX, This is my second complaint in less than 30 days from the original on XX/XX/XXXX. I am seeking relief and I want this email to go on record as a formal compliant against XXXX XXXX ( Sales Manager ), XXXX XXXX, XXXX XXXX, and XXXX XXXX who have been assigned to process my file which PHH/OCWEN Mortgage Company has continued to ignore regarding my request for assistance in processing my refinance request in a timely manner.
On XX/XX/XXXX, I received a call from XXXX XXXX reviewing my application for a mortgage refinance I submitted over three months. During our conversation, she inquired about a deed for my timeshare, that was paid off in XXXX, that the underwriter was requesting. I stated to her that I have a copy of the deed which I can email to her, which I did. I simply told her no matter what I submit per the underwriter 's requests, he will request additional information which will further delay my loan. She promptly agreed. She assured me that she is working diligently to have my file completed and forwarded to the underwriter and not to worry.
On XX/XX/XXXX, XXXX, I spoke to another processor ( name unknown ) and was told she received my application from XXXX XXXX XXXX This processor is now asking for the same documents I have submitted three times previously to different processors. The unknown processor stated that she was going to send me an email requesting the documents listed below and that she is anticipating a closing date XX/XX/XXXX.
* Credit report confirmation on a new car purchase * Last two years proof of employment along with paystubs * XXXX income tax filing XXXX XXXX, Sales Manager, has not intervened or offered any support.
I would really appreciate if someone other than the Sales Department of PHH /OCWEN would assist me in addressing my concerns. I can be reached via email or by cell XXXX.
Cc. Consumer Financial Protection Bureau Congresswoman Eleanor Holmes Norton Department of Housing Investigative Unit, Department of Justice
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| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was approved for a loan modification in XXXX of XXXX the following month my servicer transferred my loan to another servicer, Ocwen was my servicer then transferred to PHH mortgage servicing, I guess they are the same company now..I was sent my modification trial agreement I signed it and sent it back, my first payment was XX/XX/XXXX, I received a letter that they can not take my payment until my new servicer can verify amounts so I called to verify this and they told me to try back in a week I did still not verified so another week same thing another week same thing, finally last days of XXXX they took a payment. Then in XXXX I wanted to make a double payment to complete my modification trial and get my mortgage current, I called to do this and customer service told me no more payments needed at this time loan trial is complete, so I was told to wait for further instructions by mail I received a executed completed loan mod packet with my new modified payment which I signed and sent back ..my new payment was to be due XX/XX/XXXX so when I called to make my payment they said I defaulted on my loan trial arrangement so my modification is not approved, but they did take a payment from me over the phone which my bank processed, then they told me my next payment needed to be sent by mail only which I did and the lost it therefore still leaving me in Limbo still. They agreed with me by phone it was there error and had me send back mod payments for about XXXX and they would reverse the modification denial so I did this was XXXX XXXX so I waited for there decision after appointment and appointment still no resolution, so in XXXX of this year still no reversal of denial so the modification Dept. requested another amount of XXXX which I sent certified funds so on XX/XX/XXXX I was told by phone my denial reversal is denied which I feel this is giving exceleration to forclosure sale upper hand. I have all my documents to include, including cashier checks and completed loan mod agreement which they agreed I was giving the wrong direction..please help me just have them honor the agreed modification otherwise during this covid era my family will have no place to live because of a forclosure pending sale process..thank you
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| 10/14/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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In XXXX, OCWEN Loan Servicing , LLC, assumed servicing of my house note from XXXX MORTGAGE. Once the note was transferred, I was notified that there was an overage in my escrow account and received an escrow analysis showing the overage of {$1100.00}. OCWEN informed me that I could not keep the money in the escrow account, so I chose to have the funds dispersed to me. In XXXX, OCWEN dispersed {$1800.00} from my escrow account to my insurance company for hazard insurance on schedule, leaving a negative balance of $ XXXX. The negative balance grew until I was notified of the payment increase.
In XXXX, my mortgage statement stated that my payment would increase from {$180.00} to {$350.00}, with no explanation. When I contacted OCWEN, it was discovered that there was no escrow analysis on file to justify the payment increase. The Customer Service Representative I connected with was unable to explain any reason for the increase. With no acceptable explanation, I was transferred to an Escalation Manager. It was at this time that I requested an escrow analysis to determine the reason for the increase in my payment. Upon receiving the analysis, I then was informed that my payment would increase an additional {$91.00} to cover a projected shortage of {$3200.00} in equal payment spread out over 36 months.
While trying to discuss this issue with XXXX different escalation managers, I became increasingly frustrated as I was continually given different answers to my questions as to how the insurance could have been overlooked. The second Escalation Manager, which I spoke with, tried to explain to me that OCWEN was doing me a favor by spreading out the shortage that was an oversight on their part. I was never given any option on how to rectify the situation. Each person I spoke with, insisted that an escrow analysis was only required once a year. Which, at this point, was one year from the time the note was transferred.
At that point, I was able to speak to a Consumer Ombudsman. It was n't until my second call to an Ombudsman, did I receive any credible information. The first Ombudsman that I spoke with, issued a letter to explain everything that the second Ombudsman had already explained to me, but she was unable to.
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| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This is my third complaint regarding XXXX XXXX/ PHH Mortgage. The complaint is two-fold : 1. ) In their previous responses to my complaints, they always mention that they never received the paperwork I need to send them in order to considered for a loan modification. I have always maintained that I have sent in said paperwork via USPS and by emailing the address that they include " for faster processing '' in the forms I've filled out on several occasions.
I always wondered, '' if I'm sending it, why are they always saying they never received it? '' Recently, I decided to find out what might be going wrong by sending the paperwork via email with tracking. By tracking the email, I am able to see every time someone opens it, and I am also notified if the email is forwarded and shared with others. The results of my tracking experiment were very disappointing, but shed new light on the overall problem I've been having with my mortgage lender. Thanks to my email tracker, I am able to confirm that PHH MORTGAGE and XXXX XXXX have not opened ANY of the emails I sent them. It is important to mention that I am not just sending them to some random email address I found listed online, but that I am sending them to the email address ( XXXX ) that they put on the first page of the forms I've filled out and sent to them no less than 4 times.
This explains why they claim to have never received this paperwork that would get the process of getting a loan modification or whatever kind of help I might qualify for.
2. ) The second part of this complaint is due to a confusing notice I received from my lender that said that they were notified that I had not been paying my tax bills that I know owed XXXX XXXX/ PHH MORTGAGE {$2000.00} that they paid for overdue taxes on my behalf in order to " protect our interest in your property. '' This is fairly straightforward, but the confusing part is when I log on to my the site I make my property tax payments on and look at my account, there is absolutely no record of any payment for {$2000.00} being made by my lender or anybody else. I now owe over {$3000.00}, so I don't know what my tax bill for {$2000.00} is claiming to have paid on my behalf and trying to collect money from me for.
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| 10/18/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!
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| 01/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. per Foreclosure Trustee fraud allonge knew the allonge was not sign by banking officer but by document manufacturing company XXXX several years after the bank cease to exist from a defunct institutions similar to XXXX featured in XXXX fraud on court several allonge, XXXX XXXX Unconscious deceptive allonge of XXXX XXXX, XXXX XXXX undatedXX/XX/XXXX Matter set for hearing on XX/XX/XXXX at XXXXXXXXCopies mailed per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX XXXX XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX
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| 05/23/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX, I was sent a XXXX-Covid 19 Recovery Loan Modification Approval by PHH Mortgage which I was to accept the offer and return by XX/XX/XXXX as my forebearance ended which I sent USPS overnight XXXX XXXX ) to the XXXX XXXX XXXX XXXX XXXX I received another package in XXXX of the same documentation with a new payment amount which was to be returned by XX/XX/XXXX, which was not a business day. The package arrived to the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ). The first payment of {$1700.00} was due by XX/XX/XXXX which I sent. I received another package in XXXX which was notarized by the bank and next to my name they placed my driver 's license number, I received a call from the mortgage company that they only needed to put my name. I requested that they send out a notary to my home which they did this document was to be returned by XX/XX/XXXX and was received on XX/XX/XXXX. I received a call from the company on XX/XX/XXXX that I needed to sign the document in a former name not stated in the mortgage documents. The representative sent an email with a document to show how it is to be signed but never sent an updated package so when I go to any notary they are saying the date is passed so it can not be notarized. To this day I have not received an updated document but she stated that I have until XX/XX/XXXX to return the document. I did get it notarized and was picked up by the company on XX/XX/XXXX ( XXXX ) XXXX explained that these documents were to be updated since XXXX and I do not understand why the document is still showing a name that I don't have any identification for and the mortgage note have the current name on my id only. There was no document with the name that they needed me to sign in and it was not explained to the notary they sent. With that my modification was denied but they are not putting the real reason they are saying it was denied because documents were received late. None of my documents was received late. I followed all guidelines. This company need to honor the agreement and if there is something that needs to be done with the Title then they need to find the documents that was sent since XXXX PHH mortgage is not following XXXX Guidelines and something needs to be done.
|
| 09/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have filed complaint after complaint. Ocwen started threatening me with foreclosure due to a second mortgage that was discharged in bankruptcy. I was advised by the bankruptcy attorneys to refile bankruptcy to stop the foreclosure until they could correct the error they made in not filing the lien strip even though the money was discharged. I did just that. I wrote the courts and advised I was paying monthly to the courts even though my debts were discharged. To no avail. The case was dismissed several months ago. Now Ocwen wants the entire balance paid. On XXXX XXXX 2015 I called Ocwen and asked for a payment arrangement. The agent did n't ask any financial information but told me I had to pay XXXX in 2 days and another XXXX in 3 weeks and XXXX monthly. I could do that. I asked for the XXXX. I was told it would be sent out on XXXX/XXXX/15. I called Ocwen a week a letter asking for the modification packet. I was told it was sent out. I asked what address it was sent to. The agent gave me an erroneous address. I stated that back in XXXX I updated my address with Ocwen. I advised them I had the employee repeat the address twice and he got it correct. I advised I did n't receive the packet. Someone changed the address in the system. The employee advised it was faxed to me. I stated I do n't have a fax nor did I provide a number. He then stated oh it was mailed. As of today I have n't received it. I asked Ocwen what did they mail out to me. They mailed out foreclosure papers. I advised I did n't get anything because the purposefully sent it to Georgia. I asked if it was certified they stated yes. But could n't state who signed for it. I advised them i felt it was illegal to try to deny me the right to keep my home and foreclose without my knowledge. I set up a payment arrangement today. When I received the email it was entirely different than what we agreed on. I am pleading with CFPB please look into this. I a. Doing my part. I advised the agent I will take out money out of my XXXX for the town payment. He said ok as long as I could make the payment. I am willing to make an arrangement and request a modification but Ocwen is not working with me even though it 's there actions that have caused this situation.
|
| 06/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I have an FHA loan and it was sold without my ok to Ocwen- the worse company I ever encountered. I feel 2 months behind due to fianacial difficulties. They claim they will help you and work with you, they do not. I tried for a loan modification 3 times, and every time they come up with a way that it can not be processed- 'We need more information ' 'We need this to be filled out ' 'We need new paystubs as this is time sensitive information and the paystubs are out dated now ' 'we need a new year to date ' 'we need a letter from your employer ' on and on their excuses went so 3 times I applied and 3 times it never went through. I asked them to extend the loan 'we can not do that ' I ask for a forbearance -which in their letter is 'temporary reduction or suspension of payments, or the ability to make regular monthly payments without contributing toward past due amounts ' We asked for a repayment plan- they wanted {$470.00} in a week - I said where I am supposed to get that amount in a week- they then said if you can not pay it in a week then you can not do the repayment plan. They also keep sending letters and charging us for them- if they are sending them they should be paying them not me- They are charging me {$140.00} for all these letters they keep sending. They are charging me {$510.00} in late fees- Why ca n't late fees be dropped the letter fees be dropped and give us a payment plan with so much extra per month for the 2 months I an behind. They are threatening me to foreclose on me. I make my regular monthly payments I just fell 2 months behind and with other bills- car, car insurance, health insurance, lights, garbage, sewer, water, credit cards, food, oil, gas etc that I can not get the XXXX payments caught up. Why ca n't they extend the loan 2 months- it is a 30 year loan and instead of maturing in XXXX of the XXXX year extend it to XXXX? They can easily do that and then that would make us caught up with out payments and note be late Please I need help. They also have raised the minimum payment numerous times- I started paying XXXX per month they have it up to XXXX per month. I know interest rates have gone down- I have a fixed FHA at XXXX. Why ca n't they refinace the FHA and bring the rate down
|
| 06/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
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My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again.
Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX
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| 01/02/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Hi, My name if XXXX and I reside at XXXX MD. XXXX.I applied for a mortgage modification Loan with Ocwen Loan Servicing in XX/XX/XXXX. During this process Ocwen has made me apply for this modification twice in the name of not receiving the proper documents they need. I have also complied email of documents with I have sent from both emails of mine. I have a list XXXX emails of documents that I have sent on more than two occasions on supposed missing documents. I believe on XX/XX/XXXX I spoke to a Supervisor not an account Manager name but a supervisor with the name XXXX who I expressed my frustration of the process to have n't sent documents over on everything more than three times times and also to make sure that I was not scheduled for foreclosure. He assured me that I i did not have a foreclosure date and that I soon as they have everything need I will not be scheduled for forcefulness until I am fully reviewed for a modification more especially since I have never applied and also have n't been fully reviewed. He made me send the documents again and he personally called me to let me know that they have everything and I will be reviewed for a modification.
I recently received a mail from an law company advising about a foreclosure on my property. I was very upset a reached out to Ocwen. I spoke to a gentleman name XXXX with Employee ID XXXX who assured me that there was no foreclosure date set. He guaranteed me that, that should not happen. I called again days later after speaking to Ocwen representing counsel who stressed that I am scheduled for foreclosure on the XXXX of XX/XX/XXXX. I called Ocwen again and spoke to one from their Escalation team name XXXX employee number XXXX. Which again assured me that there is no foreclosure set date. H e promised to have a supervisor call me on XX/XX/XXXX, but I received no such call. It seems to me Ocwen is looking for a reason not to give me a modification and then take my house from me and my family. I will also attache the numerous email. Can you guys please hep me keep my house for me and my family. We make enough to qualify for a mortification but yet are not even getting a chance to be reviewed.I also had a prevoius complaint whith complaint number # XXXX
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| 01/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Our house flooded XX/XX/2016, our insurance company mailed the check to us to sign and then mail to Ocwen Mortgage Claim department. They have had the check since XX/XX/2016. Our house has been done since for 2 or 3 weeks. We have been trying to get the money from the mortgage company for the contractors for a month now and they come up with a new excuse every week. I have called there everyday for 6 weeks they said a inspector had to come out when the house was XXXX % and XXXX % done. We have requested an inspector several times and nobody contacted us. I filed a complaint with there complaint department and they did call me back they said they were going to wave the inspection since the house was done and we were living there. They told me that would take 3 to 5 days to do. Then an inspector called me Wednesday XX/XX/XXXX and went and looked at the house said it was XXXX % done and sent in his paperwork that day. Today is XX/XX/XXXX and the mortgage company is telling me they have n't downloaded it yet. They have told me that Sat, Mon and now today. My contractor is threatening to sue us because all of there money is tied up on our job $ XXXX and they have been done now for weeks. I have called and spoke to someone everyday, They told me today to call back next week and I can find out where they are. I have heard this for so many weeks. I have left messages with supervisors and managers several times. Nobody calls me back at all. I am just stuck and do n't know what to do. I am already being sued for {$1300.00} from the 1st contractor that we signed a contract with because we had to cancel the contract because they could n't get any money from the mortgage company. So we hired a second one and they have done the whole job with there own money. The mortgage company filed sent them {$10000.00} on XX/XX/XXXX and the job was XXXX % finished. We had requested that a month before that. I do n't want to get sued again and the contractor does not want to do that but they need there money. Our insurance company has closed our claim 2 weeks ago and said they ca n't help us the mortgage company wo n't talk to them. I am hoping you can help me. I do n't know what else to do. Our local bank suggested calling you.
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| 01/22/2023 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
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XXXX and later PHH, stalled my progress in selling my late mother 's property in many ways and they took money. First, by stating that they did not receive the forms proving that I was the executor of the estate. I had sent in the documents to the company the day after probate court granted me full executorship. They kept telling me that they had not received the forms for about three months, even though I had submitted them the form multiple times. They finally admitted that they had it in their files since my first submission.
Secondly, my whole experience in dealing with these companies was filled of long phone holds. They also would hang up on me. They provided no support and stopped me from completing the necessary actions that they required of me. At some point, PHH lied to me stating that they had sold my case. They stated that both on the phone and through mail. However, within a month of me asking questions, they acted like they never made that statement.
Third, they jacked up the prices of reverse mortgage tremendously after my mother had passed Looking back in our files, I noticed that " Original Line-of-Credit Reserve '' that has the amount of {$15000.00}. XXXX and " +Growth of Line-of-Credit '' that has the amount {$13000.00} only appears on the XXXX Monthly Reverse Mortgage Statement. I want to bring in to question why and gain an explanation. They also added " Current Principal Limit to the Mortgage Statements around XXXX. All these changes have not been explained. I suspect that the jack up in price is from the company spending money.
Fourth, they kept checking on me to see if I still lived there on the property even though they knew I was in the middle of probate, selling the house, and they could just call my phone. They stated that they did these unnecessary check-ins 8 times and each time cost me {$20.00}.
Fifth, then the appraiser that the company provided to look over the property, looked over the wrong flat map of the house across the street. Resulting in the wrong price to the house. I should not pay for the appraisal. The appraisal cost about {$700.00}.
Sixth, they added " Corporate Advance '' and " Outstanding Fees '' for me to pay. It added up to about {$8000.00}
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| 05/01/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I have a balloon mortgage that came due XX/XX/XXXX. I called XX/XX/XXXX to refinance. The agent I spoke to said it was too early to refinance call back in 2 or 3 months. I called back XX/XX/XXXX and they said I didn't qualify. I had to make a minimum of 6 or 7 calls, being put on hold, being transferred from department to department. The customer service agent said it was too late to refinance I should have started the process earlier.
XX/XX/XXXX I received a letter stating they would no longer be taking payments from me.
In late XXXX and XXXX, I called, and it to me 3 weeks to get through. I stated I owe one last payment of {$230.00} for XXXX and the representative said they didn't see that I owned anything but the balloon payment.
XXXX I received an alert on my credit that I had late payments from PHH.
I called and spoke to 3 representatives and they all said I own only the balloon payment.
I spoke with Case Manager on XX/XX/XXXX and he said I own 3 XXXX dollar payments. I explained that I tried to pay but was told I didn't own XXXX payment. He insisted I did and that's why I was getting late reporting. I said I happy to pay. He said it would be XXXX extra to make a payment. I refused to pay an extra {$17.00} for a payment I have tried to make for 2 months. He said I could mail in a check for no charge when I asked him for the address he said : " PHH may reject it because it was late. '' My complaints 1 ) unable to contact PHH in timely manner hours on hold or just in a loop with no connection 2 ) Customer Service giving wrong information 3 ) PHH mailing letters that contradict Customer Service information 4 ) Unable to pay via PHH website, XXXX XXXX because phone lines are busy 5 ) Customer Servers charging & XXXX per payment 6 ) Not giving alternatives for payment methods 7 ) Insisting I must make my payments even though I received a letter stating they would no longer be taking my payments 8 ) lastly, the Case Manager I spoke with was condescending in his demeanor and contradicting PHH letter to stop payments. He said " you owe the XXXX payments '' and I agreed with him and I want to pay the money but adding XXXX per payment seems excessive and not being able to pay via the PHH website.
I
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| 11/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house.
Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions.
Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions.
My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing.
I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else.
Is there anyone on your end who can help me try and navigate through this frustrating process?
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| 07/30/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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To whom it may concern : Loan # XXXX and equity # XXXXOcwen illegally try to extort money from me using " legal '' ways!
I just received from them a " Pre foreclosure '' notice package.
Their XXXX located managers never clear explain their " math '', how they figured out astronomical " late fees '', they just pressure on me to pay. It is strange, that since XX/XX/XXXX till XX/XX/XXXX they just collected " late fee charges '' and never try to make a real foreclosure! It looks like a scam!
I request to remove all unfair " late fee charges '' Ocwen collected for almost XXXX years, because : My previous mortgage company GMAC was sold to Ocwen at XX/XX/XXXX. Included are a copies of my payments to GMAC. They show, that I paid AHEAD for any coming month, so, GMAC never charged me with late fees, it is a hard proof, that I always paid AHEAD for coming month, at time, with XXXX days each month period without interruption! No any " late fee charges '' shown on GMAC statements. At the time my GMAC account was sold to Ocwen account, I still continue make mortgage payments of {$1000.00} the same way I did to GMAC in XXXX days each month pay period, it is showing on my bank statements. My very last payment to GMAC for XX/XX/XXXX was completed the same way, ahead, on XX/XX/XXXX. Attached is a copy of my bank statement at this particular date, showing payments. My first payment to Ocwen was completed by XX/XX/XXXX also ahead for XX/XX/XXXX ( in XXXX days of each month period ). So, there is no interruptions with payments.
Each following month I did payments at time, ahead, except for XX/XX/XXXX and XX/XX/XXXX, because there was dispute with Ocwen.
XX/XX/XXXX I did not pay for XX/XX/XXXX and XX/XX/XXXX I did not pay for XX/XX/XXXX, I missed those XXXX payments for XX/XX/XXXX and XX/XX/XXXX because of dispute with Ocwen.
XX/XX/XXXX I did two payments for missing XXXX month and did third one mortgage payment for coming XX/XX/XXXX month with included " late fee charges '', so, instead of {$1000.00} I paid {$1100.00} to cover " late fees for missed XXXX month ''. The next payments in XX/XX/XXXX were done also ahead for coming XX/XX/XXXX months XX/XX/XXXX At XX/XX/XXXX I did mortgage payment for XX/XX/XXXX ... ....
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| 01/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Ocwen Loan Servicing has not processed my loan modification and is basically blaming me for the delinquency, stating that they did n't get documents. This would be my second time using them for a first loan modification. I had sent my new application to them in XXXX timeframe. I had decided to go with back with them since it was a pretty smooth process the first time. This time has been a complete fiasco. They sent me a letter stating that my loan modification had been approved XXXX/XXXX/2016, subject to information ( one form ) that was faxed to them on XXXX/XXXX/16. A Delinquency Letter was sent XXXX/XXXX/16. After that, a letter a month came with a new issues every time. After speaking to them on various occasions, they stated that there was nothing to worry about, all of this is was standard procedure for loan processing. However, like I said previously my loan had already been processed and was approved. As the mortgage statements came I continued to pay the amount stated as my modification. Then they sent me a letter stating that my application was n't complete in XXXX 2016, the document missing was a tax form. We sent the document that they requested four different times as you will see from the faxes. They also had left out the information that was needed on the tax form and by the third time sending it then asked for a letter of clarification. The main problem was that they took an IRS form and made it theirs ( which was illegible on their part ) I ended up downloading the form directly from the IRS site. After they said the form was legible they said they would reprocess my application which had already been approved in XXXX. It has been an on going battle. They said my loan should be completed by XXXX XXXX and scheduled a conference call for the XXXX. Prior to that they sent a letter stating that they had not gotten a response from the third party loan ... On the call on the XXXX then stated the application was with the underwriters and would still have to get word from the third party loan. Ocwen went on to give info from help if loan does n't go thru ... What?????? Please review all attached documents to help settle my compliant. I am XXXX and do n't want to lose my home to foreclosure.
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| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am very concerned about my current mortgage company PHH mortgage. I have been on the forebearance plan since XXXX of XXXX. XX/XX/XXXX I was given the option for the three month trial payment. I asked PHH if they can work with me on lowering my payment with a modification. It is now XX/XX/XXXX and they just turned me down. They told me they cant qualify me for a modification. I also got turned down by california mortgage relief, because my original loan amount was over the XXXX. I been trying to get help, but PHH has got me in circle. I call them every week, they ask me for my profit and loss statement, I will send all documents, than I would get a notice, that I had sent the wrong items, when I did exactly what the last customer service representative asked me to do. This has been going on for months and months now. I would get transferred to so many customer service representatives that were out of this country. I would hear roosters in the background to the point, the representative from PHH is asking for my acct number 10 times. Now, i am a bad position, because not only will they want me to pay them the XXXX to bring my payment up to date, they wont lower or work with me on my payment. the last representative I just talked to, told me " I better hurry up and make a decision, or foreclose or sell your house. '' PHH mortgage is not helping me at all. They recording saying " Helping homeowners is what we do '' that is not a valid statement. I have been paying this mortgage for 10 years on time. I just needed help. I had to deal with my moms death during covid, i am taking care of a son that has drug addiction issue, and a dad that has no foot, XXXX and I have too many responsiblities. i really feel that PHH had drawn out this process so they can foreclose on me on purpose. They have no sense of urgency to give me an answer. I finally get an answer of NO, sorry after months of trying to get help. I even told them, I could ask my dad to borrow money from his pension, but they never even mentioned, if maybe I can get help. I was under the impressions from XX/XX/XXXX that their intent was to let me keep the home, not to trick me into believing they wanted to help me. no help at all. Can you help me?
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| 08/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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for a year noiw been having alot of troubles with phh mortgage since they took over the loan klast XXXX from ocwin ... this is the third time im contacting you for assistANCE ITS THE 3 DIFERENT PROBLEM IVE HAD WITH THEM THEY CONTINUALLY TAKE MONEY FOR ESCROW ACT BUT DONT PAY ANYTHING AND I END UP PAYING FOR THE TAXDS AND INSURANCE ... THEY WONT DEPOSIT THE MONEY BACK TO ME OF {$790.00} THEY SENT ME A CHECK IN XXXX THAT I GOT AND I WENT TO XXXX XXXX XXXX AND DEPOSITED IT THEY IMMEDIATELY BOUNCED IT ON ME IT WAS WRITEN TO ME AND DEPOSITED INTO MY ACCOUNT AT XXXX XXXX XXXX COSTING ME {$12.00} IN THE CANCELED CHECK THEY PUT ON IT ... NO REASON DID THEY EVER GIVE ME FOR DOING THIS TO ME ... THEY SENT ME ANOTHER ONE AND I RIPPED IT UP AS NO WAY I COULD TRUST THEM TO DEPOSIT THIS CHECK AND GET IT BOUNCE AGAIN ON ME AND ANOTHER XXXX BUCKS I SENT IT BACK TO THEM TELLING THEM THIS ... WHAT DO THEY DO SEND ME ANOTHER AND I RETURNED THAT TO ... AGAIN STATEING YOU TAKE MY MONEY AUTOMATICALLY OUT OF MY BANK ONLY WAY I SEE YOU GETTING IT ACK TO ME IS ELECTROCALLY DOING THIS AFTER A YEAR OF SOLID MULTIPLE PROBLEMS TENDING FROM NO 1040 FORM FOR TAXES WHEN THERE WERE TWO OF THEM LAST YEARS AND NOT LETTING ME INTO MY ACCOUNT AND FREEZING IT ON ME TRICE ONCE IN XXXX NEXT IN XXXX AND XXXX..WHICH I HAD TO COMPLAIN TO YOU HERE TO BEABLE TO LOG IN ... I DONT GET A BILL FROM THEM ITS ONLINE ONLY TO THEY WONT TALK TO ME ON THE PHONE MULTIPLE TIMES HANGING UP ON ME IN XXXX XXXX XXXX XXXX XXXX AND XX/XX/2020 ... .I DONT TRUST THEM AT ALL ... .THEY BOUCE THE CHECK THEY WROTE TO ME I TRIED TO PUT INTO MY ACCOUNT AT MY BANK THEY NOW CLAIM CAUSE OF FRAUD WHAT FRAUD IT S MY ACCOUNT WRITEN TO ME ... AT MY BANK!!!!!!!!!!! ... .THEY KEEP PLAYING GAMES SINCE XXXX NOT RETURNING MY MOMEY CALLED AND THRETEN ME ABOUT NOT HAVING HOME INSURANCE IN XXXX BUT SENT ME A LETTER A MONTH TO LATE LIKE I SAY INCREDIABLE MULTIPLE DIFFICULTIES AS HOW CAN I TRUST THEY WONT BOUNCE ANOTHER CHECK ON ME IT HAS TO GO DIRECTLY IN ... OR PUT IT ALL TOWARDS MY TAXES AND STOP TAKEING MONEY OUT FOR IT ... .HAS TO BE A MONEY ORDER SOMETHING THEY WONT BOUNCE ON ME ... ONLY WAY I SEE IS DIRECT DEPOSIT TO ME ... PLEASE HELP WITH THIS HORABLE COMPANY PHH MORTGAGE
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| 04/05/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Servicemember |
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On XXXX we listed our home for sale with a realtor. XXXX we entered into contract to sell. Closing was set for XXXX. On XXXX we were notified by XXXX XXXX and XXXX that there was a lien/mortgage against the property recorded at the county courthouse. We filed bankruptcy in the early 2000 's ( not sure of the year ). This property was listed in the bankruptcy. In over 20 years we never received any notices, foreclosures or otherwise in regard to owing anything. We were told it was discharged. Now three ( 3 ) days before closing we were told about this. We don't know where or how this could ever happen and was unexpected. Closing is postponed until XXXX. The title company had a very difficult timing contacting anyone to find out payoff information. Finally on XXXX they received payoff letter from PHH Mortgage. We contact our attorney to negotiate a lesser amount. She emails and calls PHH Mortgage and does not receive any response for 2 weeks. She advises us that according Illinois law, we would have to close or be possibly be in a lawsuit or other legal action from the buyers. Closing was XXXX and we had to sacrifice paying this unknown mortgage. I call XXXX Mortgage at XXXX on XXXX at XXXX XXXX talked to XXXX ID # XXXX - XXXX at XXXX XXXX talked to XXXX ID XXXX XXXX - XXXX @ XXXX XXXX talked to XXXX ID # XXXX. No one was ever able to offer any assistance or would return calls if I left voicemails. I emailed as instructed to XXXX & XXXX and received no response. The only email I would get a response from is XXXX. Please see attached emails. They did offer over 50 % discount which we agreed to. They then request us to pay and I sent them the check and proof of delivery. They informed me that release would be sent. I asked for refund as we absolutely had to pay much more and was told there would be no refund. All of this negotiation, once we could reach out to someone took over 30 days. We were notified of this being due on XXXX and closing had to occur on XXXX -- -- 2 weeks. This delay in communication has cost us over {$45000.00} which we feel is unnecessary do to lack of response on PHH Mortgage. We are asking for any assistance to recover this money we had to sacrifice in order to sell our home.
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| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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This complaint is a continuation of the previous complaint - # XXXX. I have been working with Louisiana Housing Corporation via their LA HAF program since XX/XX/2022 to bring my mortgage payment current since I have been affected by COVID-19 as a long hauler. PHH has on numerous occasions in recent months ( XXXX - present ) confirmed that my account had been referred to their HAF Department. The state of Louisiana submitted a payment for to cover the reinstatement amount. On XX/XX/2022, PHH HAF confirmed receipt of the payment and requested to return the LA HAF 's payment of {$8700.00} back to them because the state did not send them a referral that indicated that I was on their HAF Program. This information was provided to me by an Escalation Manager named XXXX ID # XXXX ( Phone # XXXX ext XXXX - Escalation Department ). In PHH 's response to my previous CFB complaint related to this matter they indicated, " On XX/XX/2022, the State sent us another HAF notification and requested an updated status of the account. However, the request did not include a Third-Party Authorization ( TPA ) form that is needed before we can provide the requested information. We have advised the State to resend the HAF notification along with a valid TPA. Please note, that HAF is a state program and any concerns or questions you may have about the program should be addressed directly to the State. In case the State requires our assistance or needs any information, we will gladly respond as long as they provide the needed documentation so that we can release information about the account. '' LA HAF sent a letter requesting a status update on my account for the second time on XX/XX/2022. I personally provided third party authorization to PHH on XX/XX/2022 authorizing them to speak with LA HAF and it's representatives per the guidance that their representative XXXX provided me on XX/XX/2022. I confirmed during numerous conversations afterwards with many different agents that this TPA remained on my account.
No one at PHH clearly understands why the PHH HAF Department wants to return the payment that LA HAF has sent. The Escalation Manager is confused and says he needs 5 business days to investigate. What is the problem?
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| 07/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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|
In XXXX I was approved for a modification from Ocwen Loan servicing on my mortgage. I filled out the documentation and faxed it off. They said they never received it and told me I had to start all over in the modification process. For the next 3 years I made appointments with relationship managers, submitted documentation over and over and over again. Each time I would be denied but never told why. In XXXX I applied to a program called Making Homes Affordable that the State of Oregon and OHSI ( Oregon Homeownership Stabilization Program ) offered and got approved. They would help me catch up my mortgage and Ocwen would not send them the total dollar amount needed to catch up the arrears. Ocwen literally played games with both myself and OHSI. By this time I was very close to going over the {$40000.00} limit this program allowed. This drug on into XXXX, I went over the XXXX and Ocwen wouldn't return OHSI 's phone calls, emails etc. Ocwen then sold out to PHH Mortgage/newrez and I have spent the last two years trying to get somewhere with them. I make appointments with relationship managers who have to call me at a time that works for them. Several times I would not get the call or I would get disconnected. The few times I did get to talk to one they offered no answers, no help, just fill out another application and resubmit. The last time I called I got passed around for 45 minutes to different departments and then hung up on. I have documentation going back all the way to XXXX Letters, applications, income documentation, notices stating they need more documentation or the documentation is expired and I have to resubmit, etc. I was told recently I was denied because its more then 90 days past due. It was more then 90 days past due when they purchased the mortgage from Ocwen. They are burring me in my home and for the last 7 years I have tried to get this fixed. XXXX XXXX from OHSI has been helping me since XXXX trying to get this fixed and he also has gotten the runaround. I am now at an accelerated amount of {$280000.00} with the principal balance interest bearing {$140000.00}. I can not get any help, they said they don't have any program to help me because i am 90 days past due. Please help me.
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| 08/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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XXXX continues to misrepresent my loan. On on the credit report 's they state that the loan has a 480 month term when the loan has a 360 month term they state that I 've been on the modification agreement since XXXX when the minute modification agreement began in XXXX in their transfer letter XXXX stated they would honor any modifications that XXXX had with us but Ocwen did and does not oblige by the rules that XXXX had for us that 's misrepresenting the loan. Ocwen continues to inflate the amount that was owed on the loan all of this I have evidence for. Ocwen XXXX on the credit report that they 've had the loan since XXXX but nova star was actually the place we opened our loan with then the loan was transferred to XXXX in XXXX The transfer letter states that I can receive the loan in XXXX and thus continue to misrepresent this date on XXXX credit report. XXXX escrow amounts do not match up with the previous servicers escrow amounts. Ocwen nor XXXX XXXX XXXX XXXX XXXX have submitted correct loan papers into the XXXX county land records. Ocwen is not helping and the loan modification process because they want us to pay an inflated price on the loan modification process and the inflammation of the price is around {$180000.00} meaning the modification they want us to sign is for {$330000.00} while we only purchased the house for {$180000.00} and we put an {$18000.00} down payment on the house and XXXX stated in the letter that our payoff amount in XXXX was only {$150000.00}. They are trying to get us to sign the modification under duress so that they can continue to try and foreclose on us. They state that the land was sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX backdating to XXXX XXXX but the endorser on the note lost his job in XXXX XXXX and according to the separation agreement of XXXX XXXX that has been filed with the securities and exchange commission XXXX XXXX signature does not mind the company XXXX XXXX to any other lender I have proof of this which I 've used an evidence in court. Ocwen continues to not send monthly statements as required by regulation Z. They want us to say that we release of claims against them on a modification that 's over 200,000 the worth of our home
|
| 05/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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I am unable to pay more mortgage for financial hardship. I have been in close contact with my lender since XX/XX/XXXX and filled out paperwork for a deed in Lieu of Foreclosure. A month after submitting this paperwork, we received notification from our lender that our XXXX loan on the property was transferred to another lender ( prior to this Ocwen, our lender, held XXXX loans ). The Deed in Lieu was rejected on account of this XXXX lien on the property, Ocwen had created. The lender told me if the lien was cleared I could avoid foreclosure with a deed in lieu. Friends helped me pay off the XXXX lien in XX/XX/XXXX. I then resubmitted the Deed in XXXX paperwork ( in XX/XX/XXXX ). I also sent a letter from the XXXX lender which stated that my loan was paid in full, and in XX/XX/XXXX I sent a copy of the " Certificate of Discharge '' from my county courthouse. I have keep my relationship manager at Ocwen abreast of all of this and she acknowledge receiving all these documents. Then the months following this, my regularly scheduled phone appoints with my Ocwen relationship manager consists of them telling me there 's nothing to report yet as they are doing " just XXXX final check. '' But after receiving a Pre-foreclosure certified letter from Ocwen, I called to find out what 's wrong. My relationship manager was unavailable so I spoke to an alternate, who told me they had no record in my file of my re-submitted Deed in Lieu paperwork or the XXXX lender letter release or Certificate of Discharge mentioned above. She told me to fax her the Certificate of Discharge and she would expedite it to the Deed in Lieu Dept. This I did XX/XX/XXXX Still almost two months later Ocwen has nothing to report but tells me the Deed in Lieu Dept. is behind. Meanwhile, while the property is not yet in foreclosure the time surely nears. Further though Ocwen has told me all through XX/XX/XXXX that my Deed in Lieu is still open and active, I received a mailing XX/XX/XXXX stating they did n't have the XXXX ( Deed in Lieu ) paperwork. So XX/XX/XXXX I re-mailed a copy of this document that I had sent them back in XX/XX/XXXX. I feel Ocwen and my relationship manager are doing nothing but waiting for my property to foreclose.
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| 01/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My initial call into PHH Mortgage was in XXXX, This call was in order to remove the PMI on my home and order an appraisal. I was told that a mailed letter would come in the mail, I would need to fill it out and mail back a check to pay for said appraisal. This was received roughly 2 weeks later, around XXXX. In the upcoming months I have heard nothing from PHH Mortgage. Being in XXXX XXXX I understand lending and the appraisal process ( better than their customer support, and escalation team ) which has been no help. My next conversation with PHH Mortgage was XX/XX/XXXX, I had called to get a status update as given the length of time that has passed, comps are no longer viable given lending and appraisal deadlines. The customer service agent said he couldn't help but did confirm they had deposited my check, and this would have to be escalated to the next level, although no one was available. I received a call back from the escalation manager on the XXXX, she stated that the order for the appraisal had gone out, and she promised I would receive a call from the appraiser in 7 days. This has not happened. I called back again, XX/XX/XXXX, and once again spoke with the escalation team, he assured me that it was being processed. I demanded answers, again, given an appraisal, there are requirements that have to be met when it comes to comps in the area, these requirements come from the lender and the appraiser typically done not have any flexibly. The length of time that this has taken has now drastically effected the value of my property, negatively because now comparable homes are not in their timeline requirement. This gentleman stated he can not do anything and would have to talk to the PMI department directly. Again I received a promise he would personally resolve my case and call back in 3-5 days. that was 8 days ago.
The urgency and competency of PHH Mortgage as a lender is pathetic at best. Their practices are borderline fraudulent but who is going to have the money to sue them and take them to court? Show respect to your clients and resolve the issues they have discussed in a timely manner, or at least transfer them to someone who can do something, not a worker in XXXX making $ XXXX day.
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| 01/31/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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I mailed TILA Rescission Letters on XXXX XXXX, 2015 well after the XXXX unanimous XXXX decision. Now, more than six months later, I 've received absolutely no indication the companies are attempting to comply. The only possible reason the companies could assert is that 3 years passed after closing and my TILA Rescission Letters were sent after that date. The TILA law stipulates that remedy is available after the " consummation '' of the loan transaction. I submit that my loan transaction was " table funded '' which is in violation of " Regulation Z, '' predatory per se, and void ( not voidable ) from the beginning at the closing table. Simply signing disputed documents does not constitute a " consumated TILA transaction. Additionally, the interested parties have far exceded the statuatory period to lodge a court case to contest the validity of the certified delivery TILA Rescission Letters that were delivered and signed for in due course.
This complaint constitutes my demand for TILA compliance.
I mailed TILA Letters to XXXX Investment and Loan ; XXXX XXXX XXXX. Trustee and Successor in Interest to XXXX Investment and Loan ; and Deutche Bank National Trust Company, Successor in Interest to XXXX Investment and Loan.
These latter XXXX parties were notified Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX.
My loan number associated with the original XXXX transaction is # XXXX.
The loan number associated with XXXX XXXX is # XXXX.
The loan number associated with Deutche Bank is # XXXX.
The property address used by all these parties is XXXX XXXX XXXX, XXXX GA, XXXX.
I 've received proof of delivery from all but XXXX ( which was returned as " Undeliverable -- Forwarding Address unknown.
Please register this complaint against all " Lenders and Assignees '' and require proof from each they are in strict compliance with TILA and also proof they are not entities involved in a TILA prohibited " Table-funded loan. '' It 's my desire to affirm my clear title to my property and for all parties who can not prove they are holders of the original note received " In due course '' to legally indemnify my ownership and absolve me of all other claims.
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| 12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I live in XXXX, TX and was impacted by Hurricane Harvey in XXXX XXXX XXXX.
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( Ocwen Loan Servicing, LLC ) due to my wife being XXXX due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -Ocwen would continue to accept payments if i was financially able to do so -Ocwen would not assess late charges to my account during this period -During the term of the agreement Ocwen would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments.
I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement ocwen should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with Ocwen, on XX/XX/XXXX Ocwen reported to XXXX the my account was " Not more than 2 payments past due ''.
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. Ocwen once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement.
On XX/XX/XXXX Ocwen once again breached the agreement by reporting to XXXX that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively.
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date Ocwen has made no effort to fix the problem.
Ocwen also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.
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| 11/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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In XXXX of 2008 I called my Mort co. GMAC to inquire about the Modification process from a letter I received from them. They told me I had to be at least 30 days behind before I could start the process. I explained that I have never missed any payments on anything and did n't feel good about being late on a Mort payment. They said it would only take 30 days or so and I should not worry about bad credit. Well that was the beginning of my 18 month nightmare!!! I have a Mort brokerage education so I knew how to put together a loan package for mortgages. After they received the completed loan doc 's they kept requesting the same information time and time again. I faxed them my tax returns alone at least 5 times. After XXXX temporary 90 day payment plans they said they were going to come up with my new modified payment. But that did n't happen. After 18 long months of not knowing what was happening with my Mortgage I finally got a letter stating the modification was denied because they could not figure out my income!!!!!! What!!! They said I had to back pay all my missed mort payments as well as late fee 's, penalties and random inspections ( to see if I still lived here ) or they were taking my Home. I had to sell over {$60000.00} from my XXXX and pay early withdrawal penalties and taxes and hand that money over to GMAC. I paid the mort the next 12 months and then hired a lawyer to help me with the modification once more. After almost 3 years of sleepless nights I finally got the modification completed. GMAC has since sold my loan to OCWEN and I did receive a {$500.00} check from GMAC for any wrong doings with the modification. I 'm now XXXX yrs old had to start my XXXX back again because the market was down almost 50 % when I sold and took a huge loss just to pay them. They knew what they were doing they knew how much money I had and they deceived me at every turn. My Loan # XXXX same # as when GMAC owned it but now OCWEN loan servicing has it there # XXXX. After the modification GMAC divested itself from any of these mortgages. They should be held accountable for the time and money I had to spend just to lower my mortgage to the current interest rate. That 's all I wanted in the first place.
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| 10/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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In XX/XX/XXXX, when I was going through my mortgage process, I was told that I needed flood insurance. They then provided me with insurance from XXXX XXXX. Since then, my mortgage company has changed to PHH Mortgage. In XX/XX/XXXX, PHH Mortgage, increased my bill from {$1700.00} to {$2600.00}. I called and questioned the almost {$1000.00} increase. They told me that back in XX/XX/XXXX, unbeknownst to me, my flood insurance went from {$430.00} to {$7700.00}. PHH Mortgage nor XXXX XXXX notified me of the increase. PHH Mortgage took it out of my escrow and left a negative balance of more than {$4000.00}. They said I should've noticed it in my statement, but PHH Mortgage promotes paperless billing and the use of an app which was recently updated and only really highlights what I should pay each month. PHH Mortgage says that they only do reevaluations in XXXX and that it has already been 5 months since the change was made. I will have to pay the increased mortgage until the XXXX is paid back and my escrow is in good standing ( Good standing being about XXXX XXXX at this point since the flood insurance is so high ). They didn't have any updated information for me to contact XXXX XXXX. When I finally got in contact with XXXX XXXX, they told me the same thing. They offered me a premium for {$3500.00}. They said that I would have to pay upfront on top of {$7700.00} in order for me to get a refund. They will not tell me how much they can refund me unless I pay and then cancel. I'm assuming since the period is almost halfway over then they will only offer me half the amount, which means I will get nothing back. For me to get a new flood insurance, I would have to come up with about XXXX XXXX within the year. When I took out my home loan, they verified my income to make sure that I would be able to pay my mortgage and now it seems as they are deceitfully trying to make it so that I'm not able to pay it. XXXX XXXX claims to be giving me a FEMA/NFIP quote but I contacted FEMA and they are saying this is not true. PHH Mortgage or XXXX XXXX or both might be preying on new homeowners that don't understand that private insurance companies are able to inflate their premiums at any point without approval.
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| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I'm writing to ask for your help with my mortgage company.
My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down.
The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name.
I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19.
PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow.
I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....???
They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds.
My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money.
I have been making the monthly payments and have kept current with this account.
I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating.
I would appreciate any help you can give me.
If you can not help, please let me know what my next course of action should be.
Thank you for your time,
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| 12/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.
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| 10/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello. After speaking to multiple PHH representatives & relaying my issue to them ; the matter got out of control & all mixed up. I spoke the following representatives ( all calls are recorded ) : Spoke to others but misplaced their information & communication notes, because of driving.
XXXX- XX/XX/XXXX. Rejected the modification to increase my payments when I am going through a financial situation. Requested to keep current mortgage payment note of {$1800.00} & not over {$2200.00}. Requested to be taken out of forbearance. XXXX said this would not negatively affect my credit.
XXXX XX/XX/XXXX. Checking on status of letter.
XXXX XX/XX/XXXX. Regarding payment made for $ XXXX. Requested letter stating, I am not in forbearance.
XXXX XXXX XXXX. XX/XX/XXXX ( Asked to speak to supervisor, not the 1st. Told he/she would call me back with 24/48 hours ) However, she spoke to her supervisor XXXX, he said he would write the letter & email it to me. It was emailed to me, but wasn't on a letterhead & unacceptable by bank trying to verify if I am in forbearance or not.
XX/XX/XXXX- XXXX agent id : XXXX XXXX. Informing PHH ( mshomesaver plus ) is sending the validation request ... has been sent to the servicer 2. Modification request is canceled XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. About negative credit reporting after {$6400.00} made on XX/XX/XXXX. XXXX stating I am not in forbearance. Also, notifying them again of loan verification is pending so they can get paid for back payments from MSHomeSaverPlus XX/XX/XXXX XXXX XXXX ( a manager ) back after missing his call & the next minute he was busy. Still haven't spoke with him as of XX/XX/XXXX.
Spoke to XXXX on XX/XX/XXXX. Requested negative credit reporting & Letter.
Now, I am being denied credit because of the negative credit reporting after I made the {$6400.00} that they said would keep me on payment until XX/XX/XXXX. Report 120, 180 days past due & they know I was in a legal forbearance. Then after making 3 payments to carry me over, the negatively report on my credit.
Now they decide to " retract '' the negative reporting, but other current creditors have seen it & changed my terms of my business accounts ( XXXX ).
Please advise.
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| 10/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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PROPERTY ADDRESS : XXXX XXXX Place XXXX XXXX XXXX, WA XXXX ALLEGED ACCOUNT NO. : XXXX FRAUDULENT FORECLOSURE FORECLOSURE Date : XXXX XXXX, XXXX FORECLOSING ENTITY : OCWEN LOAN SERVICING My name is XXXX XXXX and my husband name is XXXX XXXX. We are owners of the property located at above address.
About three years ago as a result of some serious discrepancies in our mortgage loan payment, we contacted our servicer OCWEN LOAN SERVICING, LLC in order for them to explain their breach of the loan modification terms. We did not receive a prior notice pointing to an up coming amendment to the existing contract.
We were given the run around. A clear explanation was never provided by the servicer to us. Due to the overwhelming cases of banks committing mortgage frauds all over the nation, we decided to hire a certified private mortgage loan investigator to look into our case for some inconsistencies. Subsequently we stopped making payments to the servicer. We begun demanding the supposed lender copies of important documents, including the complete Deed of Trust and note, which would explain their consumer rights, as well as other rights, including but not limited to, the right to cancel the contract and the XXXX XXXX in XXXX Disclosures.
OCWEN LOAN SERVICING intentionally failed and/or refused to provide various disclosures that would indicate to us that the contract entered into was void and illegal. For instance, OCWEN LOAN SERVICING failed to disclose that the loan obtained had an interest rate higher than stated and in the preliminary disclosures, which preliminary disclosures were never given.
Additionally there are several documents in the so-called loan were falsified with fabricated signatures ( Robo signing ).
We made several requests from OCWEN LOAN SERVICING to validate the alleged debt. No such evidence or proof has been presented, yet they have engaged a foreclosure sale of our property.
The foreclosure sale is scheduled for XXXX XXXX, XXXX. Please, do not allow OCWEN LOAN SERVICING to sale our property. It will be a fraudulent foreclosure. Please, the foreclosure needs to be stopped as long as the debt is not validated.
Sincerely, XXXX XXXX and XXXX XXXX XXXXXXXXXXXX
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| 12/20/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/XXXX, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. My XX/XX/XXXX, payment was due. On, XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX which put my account into a current status. My next mortgage payment was due on, XX/XX/XXXX. The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/XXXX, just days after my account was put in current status the troubled loan servicer created a XX/XX/XXXX, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/XXXX, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/XXXX, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/XXXX letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/XXXX immediately.
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| 10/11/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX and did not have access to the listed phone number, or mailed statements.
I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members.
I tried to correct with the company but they would not remove it from my account or credit history.
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| 11/22/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Approximately on XX/XX/XXXX, I bought my relative XXXX XXXX home located at XXXX XXXX XXXX, XXXX, Ohio XXXX from her son XXXX XXXX. Ms.XXXX XXXX passed away on XX/XX/XXXX. I did a title search and there was no lien stating Ocwen/PHH Mortgage. XX/XX/XXXX Owen Mortgage filed a foreclosure against me in XXXX County Court. After two months of legal litigation, I agreed in good faith to be successor of XXXX XXXX Estate and pay all past due balances of {$7900.00} and monthly payments of {$370.00} until the loan ( # XXXX ) balance is paid off. I paid ( wired ) the past due balance of {$7900.00} from my XXXX XXXX account. After paying all past due balance, Ocwen/PHH Mortgage made me successor of the account. I made all of my obligated payments to Ocwen/PHH per our agreement. I also made an extra payment to help pay the interest down. The last telephone payment I made to Ocwen/PHH Mortgage, they withdrew from my checking account in XX/XX/XXXX in the which the Ocwen/PHH Mortgage Representative stated I can pay with XXXX and gave me the XXXX information in which the conversation was recorded for quality efficiency. XXXX, XXXX, and XXXX of XXXX I made my payments through XXXX. I just made XX/XX/XXXX Ocwen/PHH Mortgage payment from my XXXX XXXX BillPay checking account.. For the past three months Ocwen/PHH Mortgage refuses to give me any information on this account ( # XXXX ). Ocwen/PHH Mortgage Representative stated to me that the last payment I made was XXXX of XXXX and I need to pay them {$2000.00} to discuss this account ( # XXXX ). Ocwen/PHH Mortgage refuses to acknowledge me as a Successor as I once was before. Ocwen /PHH Mortgage requested certain documents to add me again as a successor in which i did in a quick timely matter. Ocwen/PHH Mortgage still is being non compliant. I requested through email several times to get a payoff of the property located at XXXX XXXX XXXX, XXXX Ohio XXXX so I can move on from Ocwen/PHH Mortgage! Ocwen/PHH Mortgage predatory practices represents two consumer violations ; ( 1 ) Breach of Contract and ( 2 ) I reside in the home at XXXX XXXX XXXX XXXX, Ohio XXXX with my XXXX year old daughter.I am enclosing all receipts and paperwork to support my claim...
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| 09/28/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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It appears as through Ocwen Loans Servicing, LLC are going around in circles and not coming to an amicable resolution to this issue that has affected our property.
This is in response to a recent letter sent through the CFPB Portal stating " Additionally as Ocwen did not service the account prior to XXXX XXXX, we have no record of establishing a credit tradeline prior to that date. You have indicated your credit report shows Ocwen established a credit tradeline prior to XXXX XXXX, however you have not supplied a copy of their credit report to Ocwen so that this claim can be investigated. To have this issue research further please provide a full current ( within 90 days ) of your credit report directly to me. ".
Please note that a copy of the credit report dated XXXX XXXX, XXXX at XXXX was generated and sent to Ocwen by certified mail, through the Consumer Financial Protection Bureau and XXXX XXXX, XXXX, the XXXX Department of Finance legal division, Securities and Exchange Commission and XXXX XXXX XXXX XXXX Trustee on XXXX XXXX, XXXX along with all supporting financial documentation.
After careful review of the Corporate Assignment filed on the property located at XXXX XXXX XXXX, we have discovered that the Power of Attorney Document Reference XXXX giving you Limited POA ( Power of Attorney ) is based on LOAN NUMBER XXXX which is not the loan for the property XXXX XXXX XXXX XXXX, NY XXXX. The recording was done in error The alleged loan number for the property is XXXX. I 'm also including a statement for your reference.
Ocwen Loan Servicing LLC has requested XXXX XXXX XXXX to record the Corporate Assignment to validate their reason on collecting payments prior to securitizing the loan for XXXX XXXX XXXX XXXX XXXX XXXX and have not applied {$48000.00} of payments towards the property from XXXX XXXX - XXXX XXXX in the past 17 years.
A complaint will be filed against the Notary, XXXX XXXX XXXX in the Executive Governors Office in Florida for his errors and omission by not validating the reference document.
Furthermore Ocwen has not retracted the XXXX that has been recorded. Per the real estate records division, Ocwen Loan Servicing , LLC can only rescind the Power of Attorney.
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| 10/24/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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In XXXX XXXX XXXX I received storm damage on my home. My insurance company was great and issued a checks to do repairs. I sent the checks I received to my reverse mortgage lender PHH mortgage. I completed all XXXX releases and documents I was required to do. My contractor completed all paperwork and repairs as directed. The contractor is still owed over XXXX that is being held in an escrow account after 3 months of the work being completed. This work was approved and signed off by a PHH inspector. I also had to mail in my depreciation check that I received. These funds were to cover vendors I paid for out of pocket or still owe funds to. PHH confirmed the check was received XXXX XXXX. They advised me if was a 5-7 business days and they would issue a check because it was not for any new work. That timeframe has come and gone by 3 weeks. I have called many many times and now they say the are having IT issues and can not see any of the documents that have been submitted. They are unable to give an answer as to when this issue is going to be resolved. When I called on XXXX XXXX, they told me by XX/XX/XXXX, still nothing. I called the XXXX, the XXXX, and now the XXXX, and still nothing. They told me I would have to wait another week and hopefully this would be resolved. As of now the contractor has no choice but to file a lien, other vendors are threatening collections, and I can not get anywhere with them. I, my insurance, and my contractor have done everything asked of us, they have withheld funds for over 6 months with no clear answer to when they will release them. I have signed a release allowing my contactor 's lawyer pursue additional legal action against them. I am super lucky because my contractor understands I can not control the situation. My contractor is owed {$18000.00}, I am owed {$8800.00} for the depreciation check I sent. My insurance company has sent me a total of {$45000.00} in loss checks. PHH has only issued one check in XX/XX/XXXX in the amount of {$18000.00} to my contractor. They are still holding {$25000.00} even though the work has been complete for 3 months. I don't know what else to do. Please look into them, I call and I can not get any answers. Thank you.
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| 08/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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PHH LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We are filing a complaint regarding the processing of this short sale. The borrower 's wife died in XX/XX/XXXX, two months ago, leaving Mr. XXXX as a single father with XXXX small children. Mr. XXXX applied for a short sale on XX/XX/XXXX knowing he would not be able to afford the property any longer. We have been calling on the short sale every week, and we were told that on XX/XX/XXXX, the borrower was deemed ineligible for a loan mod due to low income and a short sale was opened.
On each subsequent phone call, we were told that the short sale - specifically a SHORT SALE, not a loan modification - was under review that the package was deemed complete on XX/XX/XXXX.
***PHH has already been FINED for dual tracking -- -- -- On XX/XX/XXXX they deemed the file complete, YET ON XX/XX/XXXX POSTED A FORECLOSURE DATE ON THIS PROPERTY -- -- THEY ARE STILL FORECLOSING ON THE PROPERTY DESPITE THE FILE BEING COMPLETE. DUAL-TRACKING IS ILLEGAL AND THIS NEEDS TO BE CORRECTED IMMEDIATELY. **** See attached Foreclosure Printout**** Then on XX/XX/XXXX, we were told that as of XX/XX/XXXX the borrower was approved under a loan modification trial. It is important to note that this borrower 's *****GROSS MONTHLY INCOME IS {$3400.00}. ******His MORTGAGE PAYMENTS TOTAL {$3600.00} PER MONTH, and his *****TOTAL MONTHLY EXPENSES ARE XXXX. Apart from the issue of being lied to - deliberately lied to - on several dates, PLEASE TELL ME **********HOW IN THE WORLD WOULD THIS QUALIFY HIM FOR ANY KIND OF MORTGAGE? THIS IS AGAINST EVERY UNDERWRITING GUIDELINE ON THE PLANET. ********* Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to deal with us honestly, and not take advantage of his grief by putting him in a modification agreement that he very clearly can not meet. I want this short sale opened, and worked as I was told it would be on XX/XX/XXXX. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they clearly have no interest in complying with federal and state law.
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| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I 've been making my mortgage payments on time, but in XX/XX/XXXX was unable to pay my taxes. I set up a payment plan with my county and on the last payment, Ocwen set up an escrow and paid the remaining XXXX {$790.00}. I contacted Ocwen, explained the situation and sent them {$790.00} to get my escrow balance to XXXX and then faxed a letter requesting Ocwen close my escrow acct. And, I would make sure to pay my taxes. In ~XX/XX/XXXX Ocwen, sent my county XXXX from my supposedly closed escrow, and sent letters saying that I then owed them this amount. My taxes are XXXX. Freely admitting and in line with my intent to pay, I sent Ocwen XXXX ( my actual tax liability for the property ). Ocwen assured me that I owed them the remaining XXXX and would n't be attributing my mortgage payments to the loan until the escrow was paid off. Their research department was supposedly on it though. After more harassment, I discovered on some of the paper work they had sent me, that the XXXX was attributed to XXXX different PIN number XXXX was my property and the other was my neighbor 's property. I pointed this out to their effective research department and assumed that this would resolve the issue in short order. Not so, though they see it on their paper work, there is nothing they say they can do until the escrow balance is XXXX???? So, they 're moving along with harassing letters, some phone calls, notices on the door, beginning the foreclosure process, marring my credit, all they while they are cashing my monthly mortgage payments and the county tax balance is XXXX. I 've talked to several escalation specialist over a period of months. No resolution. I 've requested to talk to their supervisor, was told I would be contacted in XXXX. It 's been a week, no response and the letters keep coming. I been paying timely on this mortgage for 15yrs. I 'm beginning to pay down the principle and I think they may be trying to bully me out of my house. Or, some internal embezzlement at Ocwen? Some sort of funny business or bad business practice are afoot. I certainly patently tried to work out this issue with them that is clearly their mistake. Is there anyone else experiencing similar treatment with Ocwen?
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| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To whom it may concern, This is a formally submitted statement to inform you of an error that had occurred on my loan account, referenced above, during the payment of my XXXX taxes, in which the amount of {$1800.00} was paid out of my escrow account twice ( XXXX ) on XX/XX/XXXX. I was notified via letter in XX/XX/XXXX that the error had caused my monthly mortgage payment to rise by {$150.00} due to an escrow shortage making my new monthly payment {$910.00}.
Since the rise in my monthly payment, I have been made to put my home up for sale as the steep incline in my monthly payment was unforeseen and unaffordable. When the error was made clear to me after looking into the rise of my monthly payment, I made contact to begin correcting this error with a phone call to PHH Mortgage 's customer service department on XX/XX/XXXX which ended with the promise of an answer within a business week, but after no return call, I made contact again on XX/XX/XXXX ; which I was told that the issue was now being submitted to a different department to be looked into. I made 3 more attempts via phone call to their customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, making a total of XXXX hour and XXXX minutes on the phone with no progress being made.
I have been in contact with multiple PHH Mortgage personnel including XXXX, XXXX, XXXX and XXXX. My request has since gone through PHH Mortgage Servicess tax department, escalation department, and research department with little to no answer for the error that occurred. I was informed via email on XX/XX/XXXX by the XXXX Department that PHH Mortgage Services reached out to my Tax Assessor and confirmed that my taxes are paid to date and that a refund is not due from the Tax Agency with no mention of the still missing second withdrawal from my escrow account ; according to the county, one tax payment was submitted from XXXX in the amount of {$1800.00} XXXX # XXXX. However, I received an email by PHH Mortgage on XX/XX/XXXX stating that they have yet to hear back from my tax assessor. The company has continued to email me under the pretense that I do have a refund but it now has been sent to the wrong company and they are looking into it.
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| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX is attempting to complete a short sale with PHH. XX/XX/XXXX XXXX XXXX called PHH and asked for a short sale update, PHH said the short sale is under review and the appraisal has been ordered and to call back next week. XXXX XXXX called back XX/XX/XXXX with the same response. XXXX XXXX called back XX/XX/XXXX, PHH said the file is not under review for a short sale but under review for a loan modification even though the borrower is deceased and the home is vacant. XX/XX/XXXX XXXX XXXX called PHH and they said the executor documents are not valid, the manager reviewed them and verified they are accurate and that was a mistake and he will updated the file. XX/XX/XXXX XXXX XXXX called in and PHH said the loan modification was reviewed and closed out, and now will be open for a short sale review and the appraisal will be ordered. XX/XX/XXXX XXXX XXXX called PHH and the file has been escalated and to call back in 2-3 business days. XX/XX/XXXX XXXX XXXX called PHH and they said the same thing. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale because the file has to be reviewed for a loan modification first. The manager got on the phone and said that was a mistake and the file will be opened for a short sale and will be escalated to the case manager XXXX XXXX ( never received a reaponse ). XX/XX/XXXX XXXX XXXX called PHH and they said the file has to be reviewed for a loan modification before it can be reviewed for a short sale. The manager XXXX XXXX ID # XXXX said she is not sure if the file has been reviewed for a loan modification and will expedite the file to get moved into a short sale review. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale as it needs to be reviewed for a loan modification first. The manager XXXX XXXX ID # XXXX said he personally escalated the file to get opened and reviewed for a loan modification, and the file has not been opened for a loan modification. Today he said he will open the file for a loan modification.
Everytime I call in to get a short sale status updated the phone call is at least 1 hour or more. Can someone please help PHH follow short sale guidelines.
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| 07/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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Re : Disputing Value : Loan Modification for Loan Number : XXXX I was approved for a loan modification in XXXX 2016. After careful review of the documents I noticed the value of the home that Ocwen was using was not the true value of the home. I disputed the value and I received a revised value that did not make a difference in the loan modification payment. I resubmitted the appraisal that shows the details of what work needs to be completed however Ocwen is refusing to take into consideration the appraisal which shows a $ XXXX difference. Below is a letter I recently sent and I have attached the original letter that shows the appraisal. The goal is to get a loan modification that reflects the try value of the home while offering a monthly affordable payment.
On XXXX XXXX I provided Ocwen a appraisal that shows the current value of my home at $ XXXX. This appraisal included XXXX comparable homes that have no damage at : {$770.00}, {$770.00} and $ XXXX. Per our conversation today I was advised that the value Ocwen is offering is only {$720.00}. This appraisal I submitted provided detailed notes on the cost of repairs to bring the value up to fair market value. I am still disputing the value of the home Ocwen is offering based on the appraisal I submitted of $ XXXX.
I would like the evaluation team to review the appraisal again and consider the amount of work that would get this property value up to where Ocwen states it should be. Again my appraisal is $ XXXX and I would like to have a loan modification based on that evaluation. This would allow my family to stay in our home with an affordable monthly payment.
My last modification was approved by a Chapter XXXX judge and we used an appraisal similar to the one I provided and the judge approved. I am just trying to get a better deal on the loan modification and/or through a Principal Reduction based on the appraisal.
We would like to have a new proposed solution that reflects the new appraisal of $ XXXX. The previous loan modification which shows that Ocwen was giving us a IN-HOUSE loan modification with a true Principal Reduction. Please see previous correspondence.
Respectively, XXXX XXXX XXXX XXXX, XXXX, Ocwen Client
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| 10/09/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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We applied for a XXXX mortgage through XXXX in XXXX it was transferred to Ocwen. We paid the loan off in XXXX XXXX. The initial loan was for a property on XXXX XXXX XXXX in XXXX, OH XXXX in XXXX in XXXX we requested if we could move the loan to a new property we wanted to purchase. the address was XXXX XXXX XXXX XXXX, OH XXXX. The loan was paid off on the home on XXXX XXXX For some reason Ocwen Acct # XXXX phone # XXXX sent the mortgage to a collection agency 2 months before we paid the loan off we had never been delinquent on any of our payments. They did n't release the loan to the county when it was paid off. When we contacted them to release the loan they kept sending us back to the collection agency. At that time we contacted your organization to clear the loan off of the property. They complied and released the loan.
The reason why were contacting you again now is we are trying to do a deed in lieu on the property on XXXX XXXX. The mortgage company is XXXX mortgage Acct # XXXX our contact person is XXXX XXXX XXXXXXXXXXXX. She is trying to clear the title of the property to finalize the deed in lieu. She has found Ocwen opened a second loan when we transferred the mortgage from XXXX XXXX XXXX to XXXX XXXX so it looks like we took out XXXX loans on that property. When I notified them of this the person I talked to at Ocwen which I did n't write his name down on XXXX XXXX at XXXX did n't start a ticket to figure out the problem so I waited until yesterday XXXX XXXX at XXXX I spoke with XXXX operator # XXXX she said she would look into it and call me back this morning with more information, she never called.
The email I received from XXXX XXXX stated the record release we recieved from Ocwen was recorded incorrectly or was not the correct release. The release we need is book XXXX page XXXX and was recorded in XXXX for {$35000.00}. The release they provided was for mortgage from XXXX with book XXXX page XXXX for {$35000.00}. I did forward this email to the male on XXXX XXXX but obviously nothing was done with it. XXXX emailed me yesterday telling me to file another complaint with you. The deed in lieu is in jeopardy of not being finalized. I need your helpThank You XXXX XXXX
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| 10/09/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
Servicemember |
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I am the Executrix of my father 's estate. He had a reverse mortgage. Loan was due at the time of his death. It went in foreclosure and XXXX sale was pending. I was able to reach out to a broker that handled these matters. XXXX reached out to bank with an interested party. House was a short sale and this occurred on XX/XX/XXXX. I have received the paperwork for the foreclosure dismissal, the HOA bill of sale from the closing PHH Mortgage, 1 Mortgage Way, XXXX XXXX, NJ XXXX ( XXXX XXXX ) represents the XXXX XXXX XXXX XXXX XXXX XXXX.
PHH Mortgage would call from time to time regarding the account during the past XXXX years. They would ask, " do I have any questions '', I would reply " no thank you I don't. '' The house sold and I continue to receive these phone calls, more often and post the short sale. Today makes number XXXX since the closing occurred.
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Each phone call XXXX have advised them that check with Bank of New York XXXX XXXX XXXX The short sale occurred on XX/XX/XXXX and have the HOA document. Cease and Desist, Do Not call.
XXXX agreed and still he called. XXXX is a new person that called me today. Called with attitude, I explained to him the same as to XXXX, cease and desist, do not call, the house was sold, and the bank was fully involved. PHH needs to reach out to the bank for details. XXXX stated there was a small balance. And refused to listen to what I previously stated... there is no balance bank settled, speak to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. He claimed he was going to check with the bank. I don't believed it since i have stated this now 5 times, but they continue to call.
It is sad enough that my father passed at a time of Covid ( XX/XX/XXXX ) while recovering in a center that left him to be on his own during that time ( XXXX XXXX XXXX XXXX XXXX, dba XXXX at XXXX ) that I also had to deal with all the legal issues regarding the estate, working through a short sale to satisfy the loan, but this continues to occur not allowing me to heal from all the emotional trauma and stress. This continues to rip open a wound that is trying to heal. Can you help me?
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| 08/17/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American |
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I previously filed a CFPB complaint against PHH on XX/XX/XXXX because they were refusing to provide me information regarding my loan and also because they were refusing to provide me with a repayment plan to bring my loan current. While I am a signatory on the promissory note and mortgage, PHH refused to discuss the account with me citing that I was merely an " alternate contact '' on the account rather than a borrower. Because they did not deem me a borrower they refused to review me for any loss mitigation options. PHH responded to the CFPB complaint, the matter was only partially resolved. Any resolution at all was due to their counsel 's actions and not PHH itself.
Despite the fact that PHH was refusing to discuss any loan details of my account with me, their foreclosure attorney eventually provided my attorney with a repayment plan agreement in my name which I executed and returned as directed on XX/XX/XXXX. I have since made XXXX payments under the repayment plan which have been received and processed by PHH.
On XX/XX/XXXX my attorney and I placed a call to PHH to ensure I would now have access to my account. During the call, I was again advised that I was not a borrower on the account, but merely an " alternate contact '' and PHH also told me they did not even have a copy of the promissory note which I signed in XXXX. My attorney told them that was impossible since the note and mortgage are both attached to the XXXX Foreclosure Complaint. Still, PHH required my attorney to email them a copy of the note and mortgage while we were on the call. After waiting nearly an hour, PHH finally stated they never received the email. My attorney send the documents again. PHH told us to call back in a week to see whether they were received. PHH also asked me to send them any emails I had with their attorney finding that I am a borrower.
At this point, I have signed the promissory note and the mortgage, along with the Certificate of Occupancy and the Repayment Plan ( which are both in my name ). PHH needs to immediately grant me account access and ensure that I have borrower status in their account along with all of the rights and responsibilities that come with being a borrower.
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| 02/27/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi I'm a Consumer. I'm sending this complaint to inform you that Ocwen Loan Servicing, LLC along with XXXX XXXX , XXXX where given notices of dispute to verify, and validate the alleged account that they are try to collect on neither financial institution can provide Original loan level documentation with blue ink signature to prove it. I the natural man specifically denied that account or any attempt to establish an account stated, by both parties. I own a private home NOT real property. I have no mortgage those signatures they have on the documents they have been sending me Do Not have my authorized signature on any of those alleged certified copies they have been sending after every demand I made for a verification and validation of the alleged debt ; with a sworn statement under oath from the original creditor, both parties can not provide it. Both parties are breaking several consumer law. Both Ocwen Loan Servicing, LLC and XXXX XXXX XXXX XXXX are breaking several FDCPA laws, FCRA, laws, and Truth in Lending Regulation Z laws. By claiming they receiving my information from a known source and can't provide proof, is my belief that there is identity theft, money laundering, and maybe tax invasion going on by Ocwen Loan Servicing, LLC. Which XXXX XXXX , XXXX choose to represent, which makes them indirectly debt collector try to assist Ocwen a Debt Collector to collect on a debt that they can't provide validated proof. I reject that alleged account. I have no real property so this alleged foreclosure that both parties are threatening me with needs to cease. I know that both parties are financial institutions and may be violating the Grand Leach Bliley act. I have been building my case for the last 8 months disputing back and forth with Ocwen Loan Servicing, LLC. Please look into my complaint and assist me on this matter. XXXX XXXX , XXXX also is falsifying in formation with wrong dated and claiming that they have sent me these letter certified, which I can prove they hav n't. Thank you in advance for looking into this matter. I would like a full break down of your investigation, and what procedures that you use to investigate both parties. Thank you again for your assistance.
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| 05/16/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I have been trying to receive a review for my loan modification since XXXX of 2022. Per your response to my previous complaint, you have said that my Request for Mortgage Assistance has been closed multiple times due to failure to submit documents on time. This is ABSOLUTELY untrue. I submitted my application with ALL of the required documents the very 1st time I submitted my application. The XXXX XXXX, XXXX. XXXX XXXX XXXX, has not even looked at my application or supporting documents as stated before because I have sent in pay stubs, bank statements, and letters of explanation for 5 months in a row now. Furthermore, PHH is disturbingly inaccurate in all information they are responding to th CFPB. For example, in the last response, they stated in writing the My account is represented by an attorney, which it is absolutely not, unless I am in foreclosure and my account was referred to an attorney on their behalf. In which case they have neglected to inform me of such proceedings in 5 months. Also, in their response to my complaint, they have stated that On XX/XX/2022, the XXXX was able to speak with XXXX at the XXXX XXXX XXXX XXXX XXXX and during this call. This also makes me extremely disturbed as I I have a 3rd party authorization on file for a XXXX XXXX at THE XXXX XXXX XXXX XXXX. If PHH can not bother to look at simple authorization form that I have sent in and analyze it correctly, then how can I expect them to accurately review the time sensitive, important documents that I am sending in month after month.PHH has also stated that the relationship XXXX has tried to contact my authorized 3rd party, which is also untrue. On a scheduled appointment call, a representative from XXXX called my 3rd party and stated that the Relationship XXXX is unavailable, and after XXXX minutes of my 3rd party being on hold, another representative said that the relationship XXXX is on another scheduled call and my time had passed. My 3rd party nor I have ever spoken to XXXX XXXX in the past 5 months, and as stated by PHH themselves she does not have a direct line to be reached at. I would like to be reviewed for a modification with the past 5 months of documentation that I have provided.
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| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX is the original note date XX/XX/XXXX modification date XX/XX/XXXX maturity date Home Affordable Modification Agreement reads new principal balance {$490000.00}.
Item C reads {$29000.00} of the principal balance shall be deferred and I will not pay interest or make monthly payments on this amount.The interest bearing principal balance is {$460000.00} at a 3.75 % fixed rate at 248 payments.
Then a Balloon Payment Disclosure states a balloon payment of {$330000.00} will be due XXXX/XXXX/XXXX. I don't understand this loan and the payment doesn't make sense nor was it explained that way to us when we signed the papers that after paying almost $ XXXX we will need to then pay {$330000.00}.
On XX/XX/XXXX my husband spoke to PHH customer service rep XXXX ID # XXXX and asked for clarification. He was told at the end of the 30 years we would have to pay about $ 30k and we are on track to pay this off in 17 years. XXXX said he didn't see anything about the {$330000.00} so he could explain that to us. Something isn't right and it looks like we are being defrauded. We attempted to refinance this loan recently but the loan officer ( XXXX XXXX XXXX ) said we needed to see a Real Estate Attorney to see if this loan was legal. She said it didnt make any sense to her and at this point couldn't help us. Something isn't right and the lien holder can't explain it to us. In addition to all of this chaos, PHH isn't applying our payments correctly. They took over servicing from Ocwen in XX/XX/XXXX and the nightmare continues just as it did when Ocwen was servicing the loan. Our payments are being put into suspense and applied to the principal balance when we are making a regular payment. That is triggering our account to reflect being past due and bogus late charges applied to our account. We need to know if this mortgage is legal, we need to understand it and hopefully get someone to refinance us so we don't have to deal with PHH anymore. I have sent them numerous emails about the payments not being processed correctly and it just continues to happen. They don't know how to service loans and can very well kill our credit/fico scores because of their inability to do their job correctly.
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| 06/03/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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In XXXX XXXX XXXX cancelled my mortgage policy and XXXX XXXX enrolled me as a customer. The change to XXXX was an increase in the annual premium. XXXX sent an endorsement statement in XXXX, the statement said, Premium Waived. I contact XXXX and their " rep '' assured me that there was no issue for me until the following year.
Because I do not monitor my mortgage statements monthly, I missed that Ocwen made a premium payment to XXXX in XXXX XXXX. Despite the fact that a negative balance now existed on my escrow account, despite the fact that Ocwen knew that the premium had increased, no changes were made in the amount that was collected for escrow each month. I was convinced, based on my conversation with XXXX, that no increase was expected until renewal in XXXX.
Surprise, surprise, in XXXX XXXX I received an report from Ocwen that my mortgage would increase by nearly {$250.00}. Of course no one wants to accept the negligence or lack of customer service.
So, I will admit and have learn to look at every statement that comes to me from this point forward. But, it seems to me that this practice has set into motion the very conditions RESPA was meant to deter. I am not sure if this would be considered a genuine compliant, but I thought someone should be aware that this practice is being enacted by mortgage companies.
Why did n't the negative escrow balance set certain safe guards in motion. Although I missed it, why did n't Ocwen/XXXX immediately increase the escrow to offset the debit on the account. Ocwen 's justification and answer is, " they only do escrow analysis once a year ''. But that defeats the consumer and company protection established through RESPA, does it not?
I have already complained to XXXX about their wording. It should have read, Premium amount will not increase, not Premium waived. Even the XXXX " rep '' I spoke with recently, had to research to find the meaning of " Premium waived ''. I wish the " rep '' last year had bothered to do the same.
I am not working, have not since XXXX XXXX. It will be a faith filled moment to see each month how the bills are paid. Thank XXXX he is always faithful, offers the most magnificence customer service, and loves me.
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| 04/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.
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| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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During XXXX my mortgage servicer PHH Mortgage Services agreed to a mortgage forbearance plan. In XXXX, XXXX I informed them that I would like to start paying my mortgage again.
Instead of pushing off my payments to the end of the loan as I was promised that they would, they told me that I will need to apply for a mortgage modifications. I had no problem with this.
I made all the trial payments on time, and in XXXX, XXXX they sent me a loan modification agreement to sign. Both myself and my wife signed it, had our signatures notarized, and sent it back to them.
In the beginning of XXXX of this year, I received a letter back from them that there was a problem with the notarization on the agreement that we signed, and that they wanted us to sign it again and have our signatures notarized.
While we did not understand what your problem was, we obliged with their request, and in order to make sure that they would have no problem with the notarization, we went to an Attorney to have it notarized.
The second modification was due on XX/XX/XXXX We sent it back on XX/XX/XXXX, and per my discussion with their agent XXXX ( ID # XXXX ) it was received and scanned into thier system in a timely manner.
On XX/XX/XXXX PHH Mortgage Services sent me a letter informing me that they denied my request for a Mortgage modification for the following reason.
" You failed to return the final modification agreement within the required timeframe. '' I wrote them an email that this is not correct, and they responded as follows : " Please be advised the notary is incomplete as the notary public incorrectly acknowledged borrower name on the notary page as " XXXX XXXX ''. The notary public should acknowledge borrower name correctly as XXXX XXXX exactly as per the name printed on the agreement. The loan is eligible for denial due to the agreement not being received on time ; hence, the loan modification is denied. '' This is something that is so easy to fix, and furthermore, this still doesn't explain their problem with the first modification agreement.
I believe that they have been acting in a bad faith and an unfair manner this entire time. And I would appreciate your assistance with this matter.
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| 12/17/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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Web |
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1. Ocwen misrepresented my foreclosure date to me. An Ocwen representative named XXXX XXXX, ID # XXXX told me my house was going to be auctioned off on XX/XX/XXXX. This is incorrect. The court in the foreclosure action set my law day, the foreclosure date under Connecticut law, on XXXX XXXX, XXXX. Ocwen 's attorneys have not asked the court to reschedule it for XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I will have already lost my house. Ocwen is giving me inaccurate information about the foreclosure process, which is confusing to me and, if I had n't checked with someone else, would have resulted in me losing my house.
2. Ocwen refused to consider my Social Security XXXX Income in its loan modification review, unlawfully discriminating against me on the basis of XXXX. We submitted a loan modification application to Ocwen, which it acknowledged was complete on XXXX XXXX, XXXX. I included proof of receipt of Social Security XXXX Income of {$1800.00} per month. In a denial letter dated XXXX XXXX, XXXX, Ocwen stated that my verified income was " {$0.00} ''. Ocwen refused to consider my XXXX income. An Ocwen representative later told me that XXXX income was not accepted. This is wrong and discriminatory. Ocwen must use my XXXX income in evaluating us for a loan modification.
3. Ocwen told me in XXXX XXXX that it would re-review me for a loan modification because it had failed to include my husband 's employment income. Ocwen has not done so and is pushing forward with the foreclosure against me. I spoke to XXXX on XXXX XXXX, and she acknowledged that Ocwen had not used my husband 's employment income in reviewing us for a loan modification, even though I had submitted proof and it had agreed to do so. Ocwen had further failed to use my social security XXXX income. XXXX said that she would resubmit the documents to the underwriter because Ocwen had made a mistake and we would receive a decision soon. Ocwen has not gotten back to me. When I call, I am not able to get an answer about what 's going on with the loan modification review. We have sufficient income to support a loan modification, but we need Ocwen to accurately review our documents and count all of our eligible income.
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| 08/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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Just a little perspective for you : * It has been approximately 1530 days since my last mortgage payment on the property.
* It has been approximately 1220 days since I informed the mortgage company ( GMAC, now bankrupt, then transferred to XXXX Bank ) of my intention to relinquish the property.
* It has been approximately 1120 days since I moved out of the property.
* It has been approximately 1020 days since I filed for bankruptcy and stated in my petition that my intention was to relinquish the property to the new mortgage company ( XXXX ).
* It has been approximately 945 days since my bankruptcy was finalized and all of my debts were officially discharged including the mortgage on the property.
* It has been approximately 640 days since the property was " winterized '' by the new mortgage holder. At this time, they changed the locks and I no longer had any access to the property.
* It is my assertion that on the date the bank changed the locks, they effectively took over the maintenance, care, and responsibility for the property. Prior to that time, I had continued to maintain the property. After this time, I have done no maintenance or maintained the property as it is not accessible to me. I understand that the mortgage holder and/or HOA has been maintaining the property since the locks were changed. It is my assertion that this was on behalf of the mortgage company who took responsibility for the property back in XXXX of 2013.
My frustration at the length of time it is taking for me to officially relinquish the property continues to grow. I believe the excessive length of this process has caused me undue stress and emotional damage not to mention the continued negative hit to my credit. It has affected my emotional and physical health negatively and impacted my work, my family, my self image and my relationships. The excessive length of time is cruel and unusual exceeding industry standards of acceptable practice. This current situation due to the length of this process is unjust and punitive. I have done all within my power to remedy the situation. What is my recourse? What do I need to do to resolve this and be given an opportunity to move on with my life?
|
| 12/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Around early XXXX XXXX, I applied for a loan modification with my present loan servicer XXXX XXXX XXXX. After I applied for a loan modification, my loan was then transferred to a new servicer Ocwen Loan servicing around late XXXX XXXX. It was explained to me by XXXX XXXX XXXX that my loan modification would pick up where it left off with Ocwen Loan servicing. In XXXX XXXX, and XXXX XXXX I contacted Ocwen to request a loan modification because I never heard anything else about the loan modification that I originally applied for through XXXX XXXX XXXX. On XXXX XXXX, XXXX Ocwen sold my home and confirmed the sale around middle of XXXX XXXX, after several attempts of communication made with them concerning a loan modification. On XXXX XXXX, XXXX, I contacted XXXX, XXXX XXXX XXXX trying to prevent losing my home. XXXX XXXX XXXX escalated my case and it was determined by the escalation specialist XXXX XXXX Agent # XXXX, that Ocwen did not establish proper solicitation or right party contact and asked Ocwen to rescind the sale but they did not. Ocwen Loan Servicing claimed they sent out my solicitation letter in XXXX XXXX, and the trial modification approval on XXXX XXXX, XXXX, to an address my previous property ( XXXX XXXX XXXX, XXXX, OK XXXX ) that they had already foreclosed on back in XXXX, more than 4 years prior. In XXXX XXXX, Ocwen denied my loan modification because I did n't return my RMA that I never received or knew anything about to return because they sent it to the wrong address intentionally deceiving me and setting my loan modification up for failure. Its very hard to believe that Ocwen did n't know that I was at my new address ( XXXX XXXX XXXX XXXX, Oklahoma XXXX, OK XXXX, for years or even outrageously disregarded my address for over 4 years. Although, they sent me my servicing letter to the current correct address and also all of my previous information from XXXX XXXX XXXX had my current address of XXXX XXXX XXXX XXXX before it was transferred. I ultimately lost my home and had to relocate and pay relocation expenses and it caused severe emotional distress. Ocwen Loan Servicing intentionally set my loan modification up for failure and has committed fraud.
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| 11/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Around XXXX I received a letter from XXXX ( A XXXX XXXX Company ) offering me a loan modification to increase the term of my loan to 40 years which would reduce my monthly payments making them more affordable and helping me avoid foreclosure. I called them and accepted their offer and made the 1st of three trial payments that were required under the terms of the modification. During that same month I receive a letter letting me know that the loan was being sold to PHH Mortgage and as of XXXX I would need to deal with them. I called that company during XXXX to ensure I made the 2nd required trial payment. It wasn't until XXXX that I was able to make the 2nd trial payment. However, during that phone call, the representative attempted to confirm payment of the previous loan payment amount, but when I was asked to confirm the amount and give my permission to run it, I informed them the payment amount was not correct. They fixed it, asked me to confirm the amount, and I confirmed the updated amount was correct and gave my permission for them to run it. The call ended with the representative taking my phone number to have someone from their company call me to discuss the loan modification made by the previous loan company. The next day, XXXX, I checked my bank account to find that they had no only run the correct payment which I confirmed and approved, but had also run the incorrect payment which I did not confirm nd approve. So I called them about it and they said they could possible credit the account but it would take up to 5 business days and they would most likely send a check if it were credited. I live pretty close to even and having a bank account that was in the red for around {$800.00} at that point meant I would have to pawn property, borrow money, etc. to buy gas, food, pay other bills, and generally make ends meet until a credit was approved and a check was mailed and received, if they actually approved the credit in the first place because they couldn't even confirm the loan modification was made to my account as agreed to by the previous loan company. In the end, the only way I could stop the payment was to have my bank reverse it which cost me money to do.
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| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I'm reporting a serious issue with my XXXX XXXXXXXX. Ocwen has continued to report false information to the credit bureau and mishandling my private identifiable information. Each time I have to try to spend weeks collecting data to prove they made a mistake. They have " accidentally '' mailed me someones financial information mixed in with my information, as well as given my information via mail to unauthorized persons. As per, for the third time they recent reported to the credit bureau that I'm made a partial payment XXXX of XX/XX/XXXX. This significantly lowered my score ( evidence attach ). Each time Ocwen makes this mistake they state if will be corrected, but as soon as I know inquire about another lender, Ocwen again response false information to the credit bureau with 30 days of my inquiry. This time Ocwen also reported that I'm in a paying plan currently. This is absolutely false. I make full monthly payments and have not missed or been late on a payment in years. I'm not in a payment plan. I have attached proof that's Ocwen falsely reported to the credit bureau that I making partial payments. It is a federal crime to knowingly report false information. This is the third the Ocwen has done this to my account. Each time I've had to send written notifications to get it fixed. I'm now going to escalate this issue to determine if I can press charges again Ocwen for continuing to make false claims on my account to the credit bureau which effects my ability to change mortgage companies. Ocwen is on purpose violating my right with continually padding my account with negative and false information. I demand my account be fixed to reflect that I have made on-time payments and that I'm not in a partial payment plan. I also demand the Ocwen fix the false reporting they did to the credit bureau for XX/XX/XXXX - XX/XX/XXXX that I'm in a partial payment plan. The false information from Ocwen is negatively impacting my credit score. This is the second time in 8 months that Ocwen has made this mistake three times total. It must be correct immediately. I invoke my right to be notified in writing that the issues have been resolved.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Servicemember |
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To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX.
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments.
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply.
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score.
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX.
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account.
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen.
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen.
Thank you for your attention to this matter.
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| 10/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
|
My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?
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| 12/08/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
Older American |
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We submitted a file for a loan modification. We did another usual follow up call on XXXX where Phh confirmed the documents were being reviewed. Per rep XXXXid XXXX, she stated the file is under review as of on XX/XX/XXXX. She also stated on XX/XX/XXXX, the application was marked as complete and marked for final review and with underwriting.On XXXX, a letter was mailed out, please see attached. The letter stated that the application was receivedand being reviewed. It stated that they will determine if the application is deemed complete. But per our conversation with the lender PHH they had already stated that the same date the letter was sent out the file was indeedmarked complete and in final review. The rep stated the notes were placed after the letter was sent out deeming the file complete and with underwriting.
We called back to phh for a status update and they advised that the file was denied and no longer review due to a sale date. How can they have a complete file, advise us the file is complete and with underwriting for final review and then backtrack. That is dual tracking which is illegal.Dual tracking is When a lender pursues foreclosure while simultaneously working with the borrower to mitigate the foreclosure. Dual tracking occurs when a lender receives a loss mitigation application from a defaulting borrower, but proceeds with both foreclosure and loss mitigation options.Per the consumer financial protection bureau it states the following-Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review.
XXXX XXXX is XXXX XXXX XXXX and has XXXX. I am her daughter and have power of attorney for her which PHH has. This is criminal and XXXX abuse what they are doing. We are demanding that the file contine to move forward with the review like they previously stated. There is no reason for this to be happening.
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| 02/03/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am a homeowner in California with an XXXX XXXX XXXX. During the Covid-19 pandemic, due to a hardship from COVID-19, I entered into a Covid-19 hardship forbearance plan with my servicer # # # Mortgage from XXXX through XXXX. Just prior to the completion of the Forbearance plan, I applied for, and was approved and offered a loan modification from # # # Mortgage on XXXX. However, there was a big problem with the modification as it was presented to me. It stated that I was denied the Owner-Occupant XXXX XXXX XXXX XXXX due to the fact that PHH could not achieve a minimum 25 % principal and interest payment reduction as required by investor guidelines. It also stated that I was denied the Covid-19 Standalone Partial Claim due to # # # Mortgage being unable to Verify that I live in the property as my primary address. Lastly, I was denied the XXXX XXXX XXXX, as # # # Mortgage could also not verify that I live in the property as my primary address. The only Modification I was approved for and offered was the Covid-19 Non- Occupant Loan Modification. I however, immediately contacted # # # Mortgage and informed them that I did indeed live in and have lived in the property as my primary residence since purchasing the home in XXXX of XXXX. I informed them that they made an error in presenting me the XXXX XXXX XXXX and I was told upon several instances that the corrected Loan Modification would be presented to me. In fact on XX/XX/XXXX, I and an XXXX counseling agent called on a conference call to formally explain the error. However, as of this date of XX/XX/XXXX, all I have received from # # # Mortgage have been stalling tactics via letters and phone calls that have not led to correcting the error. In fact now I have received a formal denial letter stating that I did not return the required documents in a timely manner. The letter states that my only option available now to stave off a foreclosure is a Short- Sale or Deed in Lieu. Please help me get this matter corrected and stop # # # Mortgage from taking my home by using these erroneous and aggregius tactics of falsely and possibly illegally denying my rights to a proper XXXX XXXX XXXX XXXX XXXX XXXX offer. Thank You.
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| 11/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have had a conventional mortgage with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX to inquire about the cancellation of my PMI. On XX/XX/XXXX, my loan balance dropped below 78 percent of the original value of the secured property and I was current on my mortgage. The customer service representative told me that they were notified that my mortgage dropped below 78 % and they were processing the removal of my PMI. On XX/XX/XXXX, my mortgage payment withdrawn from my bank account included a fee for PMI. I called on XX/XX/XXXX to inquire about the reason for it not being removed. The customer service representative told me they would have to send me a letter to cancel PMI. On XX/XX/XXXX, I received a letter in the mail giving me 2 options to remove my PMI. In the letter, they state that my loan is current and I have received 0 30 or 60 day delinquencies. It also states that they acknowledge that my current loan to value is 77.60 %.
Option 1 - Obtain a full appraisal ( appraiser picked by XXXX ) for a fee of {$520.00}. If the full appraisal comes in at {$180000.00}, they will cancel my PMI.
Option 2 - Send in a principal curtailment of {$0.00} in order to reduce my current LTV to 80 % and pay {$120.00} for a certificate of value ( appraiser picked by XXXX ) Neither of these options were in accordance with the Homeowners Protection Act ( HPA ). The HPA requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property ( based solely on the initial amortization schedule in the case of a fixed rate loan or on the amortization schedule then in effect in the case of an adjustable rate loan, irrespective of the outstanding balance ) if the borrower is current.
My loan is current and below 78 % of the original value. However, nobody at XXXX can explain to me why my PMI has not been cancelled other than to tell me I have to order an appraisal or get a certificate of value. Nobody can explain why they are not operating in accordance with the HPA or why my mortgage is not governed by the HPA.
|
| 11/27/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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We had a first and second mortgage with GMAC and in XXXX we negotiated a loan modification on both loans. We were making payments on both loans at the time.
In XX/XX/XXXX our first was moved to OCWEN Loan Servicing, LLC, which appeared to be in advance of GMAC closing. In XX/XX/XXXX we requested and received a second loan modification on our 1st mortgage through OCWEN.
During this time, ( between XXXX and XXXX ) we stopped receiving statements concerning our second mortgage, we called GMAC and we were told our 2nd mortgage was written off by a GMAC representative over the phone?
We continued making payment on our first, but were unable to locate or pay someone for our second so we assumed that this write-off was part of the XXXX loan modification. Since then our first has moved to XXXX XXXX and now XXXX XXXX, XXXX.
We assumed that the write-off was true because the 2nd is currently not on my credit report, although the transfer of our first mortgage to OCWEN to XXXX to XXXX are all listed back to XXXX? We now understand a mistake was made by GMAC or us but being charged interest and penalties ( late fees ) for a loan that was not being serviced is unfair.
We were surprised when several years later ( late in XXXX XXXX a company named XXXX XXXX, XXXX called about the 2nd mortgage and told them that GMAC told us that it had been written off and they stopped calling?
Now - 2nd Chance Mortgage trying to collect on this old debt, sent one request to bring this debt current in XX/XX/XXXX and we responded in XX/XX/XXXX that we were under the impression that this loan was written off several years ago and their subsequent response in XXXX was " no '', and with that answer we received a notice of foreclosure within a few days. I hired an attorney to attempt to negotiate a remedy and they refused any offer to compromise on this debt. It appears 2nd Chance Mortgage uses this foreclosure technique to scare people to collect on these old debts and also collect on what they call accrued interest and penalties which they have not earned? It appears that 2nd Chance Mortgage has been lying in wait until property values improved and now are holding people like us hostage.
|
| 10/12/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
|
Hello, Over the course of the last 9 months, I have received non-stop daily phone calls from Ocwen Financial Corporation regarding an amount in excess of {$500.00} that they say I owe even though my loan ( closed end second mortgage ) matured in XX/XX/XXXX and I have never in 20 years made a late payment. My loan should have a {$0.00} balance. I, as well as my daughter, have called Ocwen more than 5 times over the past 9 months to try and determine what this amount is for and the people that answer the phones have no idea. Every time we speak with them we get the same story " I 'm sorry, I do not understand why you have an outstanding balance as it looks like all of your payments have been received on time. '' " I will open a research ticket and have someone call you back with an answer as to what this amount is for. '' No one from Ocwen has EVER called me back. NO email, NO regular mail, NOTHING! So, on XX/XX/XXXX, I submitted a formal QWR ( Qualified Written Request ) via fax, regular first class mail, and through their website. Today, XX/XX/XXXX, I received two emails from them 1 ) with a payoff quote and 2 ) with a copy of my Promissory Note - neither of which I asked for. To date, I have not received an acknowledgement letter of the QWR I sent them nor have I received an answer as to what this money they 're asking for is for. And to top it off, I am now getting threatening letters from them stating they are going to place a lien on my property and foreclose on it if I do n't pay the $ 500+ they are asking for. How can I owe anything if my loan has been paid in full??? All fees and everything have been paid. The payoff statement they sent shows that this $ 500+ is for principal. How can that be when my loan matured 4 months ago???? I am in my XXXX 's and a XXXX widow - I can not handle this kind of XXXX. Why is it so hard to tell me what this balance is for? It 's ridiculous. Please help me. They are probably reporting this to the credit bureaus and ruining my credit as well. I am begging for an answer.
I have attached a copy of the QWR that I sent them on XX/XX/XXXX. Thank you for any help you can provide in getting an answer from them.
Sincerely, XXXX
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| 02/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
During Covid we were offered Forbearance by our PHH Mortgage over the phone we accepted at the end of our forbearance plan we called and tried to make payments we were told they would no longer accept payments from us until we resolved the forbearance plan we told them that we were able to resume payments they said they will only apply them to the monies owed for forebearance plan we said we were waiting to hear if they were going to allow us to put the forebearance amount on the end of the loan or adjust our mortgage amount to pay it back as we were told when we took the plan. We told them we were very concerned if we let them apply them to the forbearance monies then we would go into default on out current payments they said we can put you on forebearance again???? We said no we want to have our case looked at so we can find out if they are going to allow end of loan or adjust monthly payments on monies owed for forebearance as that is what we were told ... then they had us apply for a decision on that which they never told us we would have to be approved for when they offered this plan. we have had many conversations on scheduled phone calls with our Relationship Manager who we were assigned we have submitted ALL requested documents and we have confirmed that our file was complete and going to the underwriters and they had 30 days to get back to us and we scheduled another call from 30 days from that date when he called us back he said I don't know why they are not giving you an answer please give us 7 more days and I will get supervisor involved scheduled another call and my husband came home from work early and our relationship manager never called or his supervisor as he promised a employee unknown to us called and stated our Relationship manager was busy on another call, we asked to speak to our relationship manager supervisor and the employee said he did not know who he is. We are terrified we are going to lose our home we have complied with everything and still don't have a answer as to what is happening with our home. We have documented all phone calls and names, dates, and times of people we have spoken to through this whole situation. PLEASE HELP US
|
| 10/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy.
I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you.
Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated.
What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around.
My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing.
I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen?
Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine.
Thank you.
Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB
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| 07/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
Older American, Servicemember |
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my first loan was Indy/mac XXXX. Then it went to XXXX XXXX which was a loan modification company. Then it was transferred to XXXX another loan modification company. I was paying XXXX dollars a month. In XXXX XXXX I had XXXX XXXX XXXX and had to stop work for nine months but I was making my XXXX dollar payments to nationwide. In XX/XX/XXXX IndyMac /XXXX sent a letter stating I was to pay XXXX in three payments for taxes on the property which I paid and then gave them another XXXX check toward the past-due loan which came my father 's estate upon his death. Then in XXXX I had XXXX from XXXX and was out of work. I then retired XX/XX/XXXX. I was still paying the loan modification company. During this time my wife left and now I 'm divorced. I am also dealing with the VA over the XXXX XXXX that prompted the XXXX XXXX. Next thing I knew I was dealing with OCWEN which is the bank that IndyMac/XXXX transferred my original loan to OCWEN had sent me loan modification papers that required filled out over and over again .One major thing they messed up on was the property address which was different from mailing address. There are XXXX XXXX XXXX XXXX. XXXX is XXXX XXXX and XXXX XXXX which was in the low income area. They continually used the XXXX XXXX as the property address. They had pictures of the wrong house. This went on for months. It seemed like they were stalling toward resolution. When they finally came to a resolution, they wanted me to pay {$280000.00} the loan # XXXX. The amount left on loan before all this started was {$180000.00}. I have been trying to settle this and it has dragged out 24 months. I 'm now dealing with XXXX XXXX Cause I filed a complaint against XXXX for Quiet Title I am the Plaintiff in XXXX County Supreme court index # XXXX well Eyes were raised and OCWEN still wo n't deal I offered to a loan Mod of XXXX at 2 % for 30 years I have not heard maybe you can shake them up cause I do n't get answered. XXXX as far as me, I am A XXXX vet with XXXX and they messed up my credit and I 'm not stopping till OCWEN is stopped the house is worth XXXX and I 've got XXXX in pension money before I retired. I stating this is all true against OCWEN and XXXX
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| 07/21/2015 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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Ocwen loan servicing assumed my mortgage roughly 2 years ago. When they assumed the loan, I had a payment trailing due to my husband losing his job after a XXXX related to his XXXX XXXX. I have tried multiple times since then to resolve the issue. Ocwen will only offer me loan modification and that is not likely due to my current credit issues. I have paid extra to Ocwen but they hold the extra that is paid and do not apply it. Currently there is {$350.00} sitting somewhere and not being applied to the mortgage ( see attached pictures ). Ocwen has also charged me fees such as {$25.00} to come to my home to place a note on my door stating to call them because of a late payment ( payment that was not paid when they assumed the loan from XX/XX/XXXX ). When I called them about this issue they stated that they need to make sure that the property is still occupied. I demanded that this stop due to the fact that I was making a monthly payment to them every month and had tried to resolve the issue multiple times. It did stop at that point.
In XX/XX/XXXX, my husband and I were forced to file bankruptcy due to him still having issues and being unemployed. I have been making my mortgage every month and intended to keep my home. Ocwen has filed paperwork stating that I have not made a mortgage payment to them since XX/XX/XXXX, though I have the bank statements and cleared checks to prove otherwise.
This company is fraudulently attempting to foreclose and will work toward a resolution. They refuse to give a forebearance and place that payment at the end of the loan. They have only offered modification which I have explained I do not need. I can afford to make the payment but I can not come up with the over {$2000.00} in overdue and fees that they state that I owe.
In XX/XX/XXXX, they refused to accept a payment from me because I was in Chapter XXXX even though I called to make a payment to them. After much run around, I was finally able to obtain an address to mail payments to and began sending my monthly payment to the address that I found. When I send the payments, it takes over XXXX weeks to clear and they are stating that they are not receiving those payments.
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| 12/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is my third complaint to CFPD regarding this company, PHH Mortgage. My last complaint # is XXXX. To rehash the experience, I have been fighting with them since last XXXX because they assumed my mortgage from my previous company and paid my property tax without my authority, then placed me in an Escrow account I do not want and never asked for. I contacted their Customer Service several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) but I was transferred from representative to representative and promised that I would be called back and never was. Finally, they sent me a letter in XXXX that said I qualified to be removed from the Escrow account. By that time I had already made several escrow payments and asked for an updated amount to pay off. They took their time sending me amounts owed, but by the time I'd received those amounts I'd already paid into the Escrow account again, so I'd ask for any updated amount. They do not communicate via emails, only thru regular mail or fax, which means their responses are always behind.
Long story short, I received a letter from them on XX/XX/XXXX, dated XX/XX/XXXX, that said, " ... your request to remove the escrow of your property tax and/or hazard insurance from your load was denied because the following requirement has not been satisfied : You must not have been 30 or more days late in making any of your monthly payments. '' This is an outright lie. I have not had a late payment in years. YEARS. And I definitely did not have one the year prior to them taking over my mortgage, nor did I have one after they assumed my mortgage, and I definitely did not have one between the XXXX letter, when they offered to remove the escrow account and XX/XX/XXXX, when they sent this last letter. I have years of confirmation numbers to prove my payments have not been 30 days late and my credit score has done nothing but go up in the last several years. This is an outright lie they are using fraudulently to keep me in this escrow account.
PHH Mortgage assumed my mortgage. I did not refinance with them. Shouldn't they be required to honor the mortgage contract they assumed which did not require me to have an escrow account.
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| 12/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I have struggled to keep my home for several years, I have been unable to afford a mortgage payment and was unable to qualify for a reduced payment of my mortgage with a making home affordable modification, my monthly income still suffers. I have decided to short sale my home under the HAFA program. My home suffers from much needed repair, I have been unable to cure the costly repairs needed to my home. A contractor has estimated my homes repair to cost about {$130000.00}. That is the estimate today and it may increase if the acoustic ceilings in my home end up testing positive for asbestos. Not to mention the mold that appears to be growing in the walls of home. My agent submitted a cash offer that was approved under the HAFA program. Unfortunately once that buyer took into account the repairs needed on my home they requested a decrease in their offer far below what Ocwen would consider for approval of a short sale. My agent sent them a XXXX higher offer, an as-is offer and all cash, this was received by Ocwen XXXX/XXXX/2015, my sale date was for XXXX/XXXX/15. This triggered Ocwen to conduct an interior valuation of my home, took them the entire month of XXXX to send an agent, valuable processing time lost. The previous valuation was just exterior and was set at XXXX. The agent from Ocwen came to my home on XXXX as to render a report immediately to Ocwen. I still had a sale date for XXXX, it was urgent that the value be adjusted to what my home is really worth. I still have this sale date looming, and the valuation as completed brought the value in on my home to XXXX. Ocwen is mis-reading this report, they have advised that their value is XXXX, I have a copy of this report, it does not state that amount as an as-is value at all, that was the original list price of my home and it has now been reduced to XXXX due to my repairs. To date Ocwen refuses to admit that they are mis-reading the report and are offering no adjustment to their error, still threatening to foreclose but if they read their report correctly I would have an approval of my short sale. Ocwen can not even show my agent where on their own report it indicates XXXX as an estimate of value.
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| 09/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is regarding PHH Mortgage.
I received a check from PHH Escrow Analysis Department on XX/XX/XXXX with the check number XXXX. The value of the check is {$6700.00}.
I forgot to cash this check that time.
I have been working with XXXX since XXXX, XXXX. Up to this point, I have not been able to get this check reissued.
I called on XX/XX/XXXX, spoke with XXXX, ID # XXXX. He promised me he will take care of this.
I didn't receive any check, by XX/XX/XXXX, I called again, and spoke with XXXX, ID # XXXX. I got the same promise.
I didn't receive any check, by XX/XX/XXXX, I called again, spoke with PHH representative whose ID # is XXXX. I requested to speak with supervisor, and I was transferred to XXXX, ID # XXXX from PHH 's Escalation Department. XXXX requested me to email him details of this check and he promised me he will take care of this. I emailed him with a scanned check image on XX/XX/XXXX.
I still had not received my check by XX/XX/XXXX, two weeks after the last call.
By XX/XX/XXXX, I called XXXX again with his extension, XXXX. There was no answer, I was transferred to XXXX, ID # XXXX. XXXX told me that my check was issued on XX/XX/XXXX with check number XXXX. XXXX also told me I should anticipate the check in about 10 days.
By XX/XX/XXXX, I still had not received my check. I called again, spoke with XXXX, ID # XXXX, this call was somehow disconnected. I called again and spoke with PHH representative, ID # XXXX. He promised me that he will check with the Escrow Department and will call me back on XX/XX/XXXX.
On XX/XX/XXXX, I received a call from XXXX, ID # XXXX. He requested me to wait until XX/XX/XXXX. If I still have not received the check by then, he would send an overnight mail with my check on XX/XX/XXXX.
I still had not received the check by XX/XX/XXXX. I called PHH again on XX/XX/XXXX, and spoke with XXXX, ID # XXXX. He promised that he will reach out to XXXX. He also told me PHH should be able to issue an overnight mail with my check with no problems.
By now, It has been 3 months since working with PHH to get my money back. I still have not got anything.
Thus, I am submitting this complaint to CFPB now.
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| 01/27/2021 |
Yes |
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- Trouble during payment process
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Web |
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We are being held finacially hostage in an endless cycle of lost paperwork and always-expanding timelines. I've tried reaching out and asking for management assistance, but I never received a response via email or phone regarding this.
XXXX XXXX - Reached out to mortgage company regarding release of liability process and requested paperwork.
End of XXXX, early XXXX - Still hadn't received paperwork, contacted again, was informed request never submitted. Called several more times, paperwork showed up few weeks later.
XX/XX/XXXX - Packet is placed in the mail using their provided, self addressed and stamped envelope XX/XX/XXXX to XXXX - Called to check on packet status, get update. Was informed our file didn't exist. Asked for management and help in locating our paperwork. We were informed they had lost our packet. Management would not escalate, return phone calls, or tell me how to submit the paperwork again.
XX/XX/XXXX - found an email on my own, sent them an email regarding the packet, asked for confirmation it was received. I receive confirmation.
XX/XX/XXXX to XXXX - emailed several times regarding packet and information they said was missing. I received an out of office response for my main point of contact but to contact a second email with questions. I contact the second email plus my original contact as well as call customer service again to escalate, but receive no response.
XX/XX/XXXX - I finally received confirmation our packed was completed, placing us 12 days behind XX/XX/XXXX - reach out about status, get a response that says they're working on it but can't say when they'll be done.
XX/XX/XXXX - email again for update. They say the same, they're working on it but can't say where it's at in the process.i point out that there has already been several delays and demand an estimate on how long it'll be. They're response was another 6 to 12 weeks.
XX/XX/XXXX - more emails are exchanged, I ask for management, they still refuse to give me someone that can help or address the situation. I called customer service again and they say all they can do is send a message to my contact and that's it. There's nobody else they can contact.
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| 12/11/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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I applied for several loan modifications with PHH Mortgage beginning in XX/XX/XXXX. I was denied in XXXX of XXXX, reapplied & denied XX/XX/XXXX. I reapplied in XXXX of XXXX and was approved with the same loan amount that I previously defaulted on. PHH inflated my income so that my payment could remain the same and it is documented on the paperwork I received from them. The interest rate also did not change. When I spoke with the relationship manager after the approval, he advised the first payment was due on XX/XX/XXXX. The three month trial agreement letter was due on XXXX XXXX. I made the first trial payment and emailed the agreement on the XXXX of XX/XX/XXXX. It wasn't until I went to make the XXXX payment that I found out that my modification was cancelled because I did not return the trail agreement letter on the XX/XX/XXXX. I made several calls to PHH to make the XXXX payment and spoke to several representatives before one told me the reason why I could not make the payment. PHH did not send me anything in writing regarding the cancellation. I also reached out to the relationship manager directly and asked if he could assist with getting it reversed since a payment was made and he advised the underwriters would not reconsider. I asked for the denial letter and that is when I read it and the approval from XXXX which says they inflated my income so I could afford the payment on their terms. I am no longer able to reach the Relationship Manager directly because the option to dial an extension is no longer given. On XXXX XXXX I applied for another modification. I submitted all necessary documents and had to resubmit tax documents three times because PHH claims they could not see the documents. The third set of tax documents was just sent on XX/XX/XXXX. This experience has been extremely drained, stressful, and has me feeling hopeless dealing with this company, especially with what is going on in the world today. I do feel as though their intention has been to help me. It is always a hassle to get information when I call and quite often I don't get valid information. I've also put a complaint in with HUD regarding this matter for assistance as well.
|
| 05/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
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My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ).
I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her.
In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well.
OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices.
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.
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| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
|
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Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!!
In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX
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| 01/18/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
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Ocwen LN XXXX XXXX CA XXXX Short sale was started XXXX/XXXX/2016 with Ocwen.
On XXXX/XXXX/16 we were told the file was complete.
On XXXX we were told the investor countered to $ XXXX.
On XXXX we submitted the Price Addendum to XXXX, HUD, Market Comparables and Contractor Bid for the Value Dispute.
On XXXX we re-sent all the documents in and confirmed with the Ocwen rep that the documents we submitted for the value dispute had been forwarded to the value dispute team for review.
On XXXX we were told the XXXX price would be accepted and the file had been sent in for approval.
On XXXX Ocwen requested a change to the 2nd TD payoff only. They told us the offer was approved and they would send the updated HUD to the underwriting department on a rush for approval. The revised HUD was sent within 15 minutes via email. We called in ( one hour later ) and the rep confirmed receipt of the HUD, said it looked good and sent it in for rush approval.
On XXXX Ocwen said the file was still under review and confirmed again that the file was marked complete.
On XXXX We spoke to the Ombudsman department - " XXXX '', who could see the corrected HUD marked received on XXXX, but it showed that the file had not been touched since then, so he escalated directly with short sale management.
On XXXX we received an email from XXXX XXXX at Ocwen that our offer was too low and we would need to meet their value of XXXX. In that email he referenced an outdated HUD.
On XXXX, XXXX XXXX reiterated that we needed to meet the XXXX value and that the sale date would not be postponed. We then called the ombudsman 's office to find out why we have been lied to, and the ombudsman does not know. We requested that the sale date be postponed to allow time to negotiate a better offer from the buyer, however XXXX told us that there would be no postponement in the email dated XXXX.
We are asking for a sale date postponement due to extreme delay in reviewing the offer because Ocwen 's Equator system was not working. This is not our buyer 's fault, and because we had been told several times that our offer of XXXX would likely be accepted, we had not prepared a backup offer.
|
| 10/12/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
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|
Web |
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I am trying to do a short sale on my property but the lender did a drive by BPO and over valued the property. The property exterior and interior is falling apart.
The lender refused to do an interior. since the property is over valued just from a drive by I am deemed not eligible for a short sale. If they come out and do a full appraisal of the property they will see the property is not worth the price tag they put on it.
I have been in contact with the lender and they said that its not eligible for a short sale so they wont order an interior appraisal.
These are all the things that needs to be addressed and taken into consideration regarding the value of the prop The drive by value is completely over valued as these are only some of the things listed here.
But there is quite a bit of other problems that will have to be addressed : Major termite damage throughout the entire home, some of the floors are very thin and need major repairs.
The basement has a mice infestation.
Hot water heater needs to be replaced and is over 25 years old.
Gutters are damaged and need to be replaced.
The driveway and pavement need repairs and have concrete damage.
Foundation cracks on the walls in the basement.
Exterior wood has some termite damage.
Shingles on the exterior need repairs, has some missing shingles.
The enclosed front porch has collapsed and the exterior front of the home has vines that have grown and penetrated through the walls and as well has poison ivy.
The floor in the attic is open and needs insulation repairs.
House has plaster walls and may have termite damage.
The third bedroom had a water leak from the roof, the ceiling is damaged and cracked open.
The kitchen needs updating.
Loose Tiles in the bathroom.
The bathroom sink and bathroom as a whole need to be updated along with the toilet since it is leaking.
Crack in the corner of the room in the living room.
Parts of the cellar need repairs.
The sump pump needs maintenance Electrical Panel needs to be repaired ; it has not been improved since the 1950s.
Washer and Dryer Units to be removed.
New Air Conditioning Unit Aluminum Sheds outside of the home need to be removed.
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| 02/23/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
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OCWEN Loan services added {$420.00} to my escrow balance for lender-placed insurance coverage for 3 months. I had this mortgage for more than 10 years with GMAC. OCWEN took over servicing the loan 5 or more years ago. They sent me letter about getting a XXXX insurance in XXXX 2015, I told them my XXXX provides insurance that covers both the inside and outside of my condo unit. OCWEN was going to check with my XXXX, then call me back to let me know if I need additional coverage or not. They never call me back and in XXXX they send me a letter saying that they bought an XXXX insurance covering for {$320000.00} ( this how much my whole unit is worth ) on my behalf for {$1400.00}. No one could tell me why I was n't told, that after checking with the XXXX, which they did not, that I need a XXXX coverage for the interior walls. While discussing with OCWEN I went and bought an XXXX coverage for {$320.00} for the whole year, sent them a copy and they credited my escrow account for {$1000.00} and said I 'm responsible for 3 months or {$420.00}. The following month they raised my payments more than $ XXXX month, I had to call them several time to have them reverse the new monthly payment. The lender-placed insurance OWCEN said they bought for me, show on a " declaration page '' that is was issued by XXXX XXXX XXXX. I called XXXX XXXX XXXX and I 've been told the policy number I 'm given does n't exist and they said they do not do " lender Placed '' business with OCWEN and they were surprised OCWEN will have their name on a fake evidence of insurance.
I called OCWEN to tell them and ask them for a copy of the Master Policy. they said they do not have XXXX, all they have is a declaration page. They ca n't prove that they bought an insurance policy on my behalf! all I 'm asking at this point is a copy of the master policy of the XXXX insurance they bought for me, I think I am untitled to the master copy if I am paying for the coverage, or my money back, {$420.00}.
How can this happen in XXXX! OCWEN is hiding in XXXX and running the most fraudulent and unethical business practices I 've never seen. It has to be something we the consumers can do about this.
|
| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice.
I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it.
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired.
We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York.
All documents supporting my position are attached for your review.
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| 05/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
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Early in XXXX there was some missed payments. During repeated contacts with XXXX XXXX I could never obtain a 'straight ' answer as to what was delinquent or how much was due. One pay ment ( XXXX / XXXX / XXXX {$900.00} ACH Tel S ingle Mtg Pmt ) seemed to never have been credited. During late XXXX and early XXXX I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due. However, On or about XXXX XXXX , XXXX I spoke with an Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by XXXX XXXX , XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was Oc wen Loan Servicing, LLC ,, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX TX XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The XXXX Texas address used was the only time I had ever heard of XXXX as a communication site for Ocwen. All other communications had been made through their XXXX XXXX XXXX XXXX Fl, address ) I mailed the paymenet along with account information to the XXXX address via USPS ov ernight. The tracking sheet shows delivery on XXXX XXXX , XXXX at XXXX and signed for by XXXX XXXX XXXX It took approximately 5 weeks for the check to be cashed. Subsequent to the receipt of my check by Ocwen a t their XXXX location I kept receiving delinquency notices from Ocwen : i.e. XXXX , XXXX , XXXX , XXXX XXXX , XXXX , XXXX XXXX , XXXX and lastly on XXXX XXXX , XXXX ( with a different payment amount due ( XXXX ) with no explanation. This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.
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| 06/10/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I have been trying to work with Ocwen since XX/XX/2016 to secure a loan modification. After many phone calls I noticed they were asking for the same information over and over or just not listening to what I had to say about my hardship. My work schedule is very irregular I work nights and may be away from home for several weeks at a time, also get paid from several different companies, since I was having a hard time explaining this to Ocwen, I asked my former Real Estate Broker to help me. With help of my brokers staff which includes people very familiar with the mortgage industry we have emailed and faxed over XXXX pieces of documents, including over XXXX very detailed letters of explanations, and signed and dated HR verifications, which it seems like Ocwen does not read at all?? or their staff does not understand English, as I would repeat almost the same exact thing in each letter and then was asked to send it again.
My Broker and I both kept very detailed logs and noticed they kept on asking for the same documentation and they kept on asking us to change dates on the same documents add signatures at the bottom or re-send the same documents, which they admit they have but they want us to send in a different order?? I am now FULLY convinced that Ocwen is a scam and playing deceptive games and plain lying and just trying waste my time. If you look up the definition of " FRAUD and DEPECTION '' in the ENGLISH dictionary, this exactly what Ocwen is doing. We have asked for a supervisor to assist us on 4 different phone calls and sent the documents directly to XXXX different supervisor via fax and after each follow up phone call we are asked us to sign the same documents. Now after 6 months we have been asked to re-send the entire package to them again, why is this company allowed to lie, deceit and falsely advertise that help homeowners in getting a loan modifications? Is n't this type of action again the law now? I am formerly asking the CFPB to investigate these actions and ask Ocwen to get a supervisor that can actually do something for me, not just ask for the same documents week after week and then ask me to start this process over again.
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| 12/08/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly.
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home..
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX.
My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.
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| 07/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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Ocwen Loan Service Approved a loan Mod for us in XXXX XXXX after a ton of hassle and complaints and denials. I mailed in the contract and 3 trial payments and 1 additional payment in XXXX XXXX. XXXX XXXX I rcvd a letter saying they never got the final contract. I then faxed it. Ocwen then said the signatures did n't match. So resigned and faxed it again. I edited the contract. The amount owed in the contract showed {$20000.00} that was to be deferred principal balance and would n't have to be paid right now, but a non interest balloon payment. However when I recvd the late notice and the statement, they showed different amounts. The late notice showed {$18000.00} and the statement showed {$18000.00} as of XXXX XXXX. So why would I repay {$20000.00}? In addition the balloon payment was n't for {$20000.00} it was for $ over {$70000.00}. If the {$20000.00} was non interest then why is the balloon almost 4 times the original amount? I line marked the changes in the contract and they would n't except the contract with the changes. I resigned the contract with the wrong repayment amount and the crazy high balloon payment, but they then wanted 4 additional mortgage payments per a letter, I recvd in XXXX XXXX with in 22 days of that letter we sent FIVE payments to them. About 3-4 weeks later we recvd another letter saying we were be denied for none payment. Apparently they had emailed us a letter telling us they needed another payment. In all the correspondence, in 2 years they had NEVER emailed anything without request, but they did this one letter that meant we would be denied our modification. Since then they had unrealistic requests like 9 payments, etc. I also rcvd monthly letters from Ocwen offering me assistance with modification, but when would try and log on it would say you ca n't apply right now or it would show a pending modification, but I rcvd denial letters. In XXXX XXXX I rcvd a letter thanking me for application for assistance which I still had not been able to sent after several attempts, but they charged my account for a XXXX property inspection FEES in like 2 months and sent me a property evaluation and {$100.00} evaluation fee.
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| 09/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On Monday, XXXX XXXX, XXXX, I sent a letter in response to a Notice of Collection regarding my mortgage servicer Ocwen attorney. In said letter, I adamantly disputed the validity of the ( amount XXXX unverified but allegedly owed debt, and requested a full disbursement/breakdown of that amount. I requested that the breakdown contain the accrual of interest, late charges, insurance fees, and any other applicable charges. Additionally, I asked for a full tax disbursement dating from XXXX ( or from the inception of the loan ). The property in question had Tax Reductions since XXXX ; so I asked that the following be specifically included:1 ) Disbursement XXXX Town Tax,2 XXXX Disbursement of XXXX School Tax XXXX and3 ) Disbursement of XXXX Tax.
However, all that I have received to date are Closing Documents dated XXXX XXXX and a package of statements from XXXX and XXXX a huge gap XXXX to XXXX. These do not even slightly correspond to my request, nor do they substantiate the amount allegedly owed. Therefore, I reiterate my need and legal right to see the audit trail and applicable fees that supposedly add up to that exorbitant amount. THIS DEBT IS NOT VALID WITHOUT SUCH VERIFICATION.
XXXX my disputation of the validity of the debt and my request for corroborative information were timely made ( within the allowed thirty XXXX 30 XXXX day period from receipt of notice ). However, I have not been afforded due diligence and good faith in reply, as I am still waiting for evidence of the debt 's legitimacy. Moreover, I have been notified by lawyer letters on my property in XXXX Court, New York. This action was commenced by your filing Notice of Pendency in XXXX XXXX XXXX XXXX XXXX, for a Foreclosure Notice, which has be given without first proving that it has legal warrant - i.e., I have not received the requested information. Therefore, adherence to regulatory procedures as well as to the standard established by the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) in this matter has been inadequate and short.
Accordingly, the law requires that this failure to adequately respond to my request be remedied before any further adverse action is taken.
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| 03/06/2017 |
Yes |
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- Settlement process and costs
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Web |
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We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent!
Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.
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| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is yet another attempt by me to get the information corrected by this company. the company has provided the credit reporting agencies the wrong information. which in turn stopped my wife and I from gaining the equity in our home. They advised that through their research they never spoke with or had any contact with me regarding a forbearance. I clearly reached out to them in XXXX of XXXX. They responded in XXXX of XXXX. Several months later. Instead of offering me a forbearance they sent me and my wife a modification. Why we would take a modification when the rest of the nation under the cares act was provided a forbearance ; shows the type of bad intent and business they continue to do and provide. I was XXXX XXXX XXXX XXXX and thought we were getting a forbearance. We did not and have found that the company after sending us a letter stating that during these times, they would not report negative history and went against everything that they stated in the correspondence. A correspondence that printed on their letter head is legally binding. Also, we have now found that our balance use to be XXXX is now XXXX on their website. This is a clear violation of our rights. This company has been terrible. This issue even goes all the way back to XXXX when they were Ocwen and cancelled over XXXX of debt through a 1099C. In XXXX they cancelled the debt for the amount of just over XXXX on another 1099C form. We borrowed XXXX and they ended up cancelling over XXXX and getting credit for it from the IRS. ( info included ) We checked with the IRS during that time and found that they indeed did get credit for the debt cancellation. How are they allowed to get credit then go after the consumer? I own my own company and can't write off any amount and still go after someone who owes me for the original amount! All we want is to have the amount and credit reporting corrected. If not, we will be forced to join the many class action lawsuits against them. This company should not be allowed to practice business at all. The little man consumer is being crushed by companies like these as they are allowed to rip us off through bad/illegal business practices!
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| 09/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I receive social security XXXX, XXXX per month. I fell behind on my mortgage payments, its been a struggle, with having limited income. My payment amount was XXXX, I still fell behind on my mortgage payment, because of unexpected expenses, like air condition repairs, and other repairs. So, I applied for a Modification on XXXX. Several days later, I received a package of papers, stating I was not qualified for a Modification or Mortgage Assistance. The package only had information about short sale, deed in lieu foreclosure, basically saying I had no other choices but to give up my home, also stating I wasnt behind enough to qualify for mortgage Assistance. I still didnt give up, So I applied for a Modification, Mortgage Assistance on XXXX. On XXXX I received a letter stating, congratulations I had been approved for a Modification with trial payments of XXXX, XXXX trial payments starting XX/XX/2022. Usually the trial payment amount is your permanent payment amount. This is totally unfair. A Modification is suppose to help homeowners, reduce payment amount to make payments more affordable and also reduce the interest rate. This is illegal I know to increase a homeowners mortgage payment XXXX more a month, when a homeowner is already struggling to keep their home. Phh Mortgage Claims they help homeowners. This is not true, Phh creates a way to actually take your property, like increasing your mortgage payment, so you cant afford to pay and lose your home to foreclosure. I am requesting your assistance with this matter as soon as possible. I had to accept this offer, so I wouldnt be homeless, this is not fair to me or any other homeowners. Therefore this is a formal complaint against PHH Mortgage Services, Investors owners, and PHH Companies, for illegal Mortgage Servicing. Increasing Mortgage payments for a already struggling homeowner, first denying the homeowner of mortgage assistance, claiming the only alternative is short sale, deed in lieu foreclosure, then increase mortgage payment XXXX per month to a already struggling homeowner. Please help me! This is wrong!! Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, telephone # XXXX
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| 08/11/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated.
On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off.
I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ).
I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.
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| 08/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The allegation for this complaint is as follow:The issues begin since the beginning of the filing of Bankruptcy Chapter XXXX on XX/XX/XXXX. There were some payments missed and property tax not paid, so BKXXXX was filed to sustained the arrears escrow and some back payments in the amount of $XXXX. During BKXXXX, every effort was made to meet with the BKXXXX payments regulations and sustaining the regular monthly mortgage payment on the account. But each month the monthly payment would increase without any explanation. But we continue to make monthly payment as required. But we don't believe the amount due was justify. And the bank keep increasing the monthly due to about $XXXX per month. Fast forward 5 years after BK Chapter XXXX was completed and a discharged was granted XX/XX/XXXX. Monthly payments continued post BKXXXX, up until XX/XX/XXXX. As of XX/XX/XXXX, OCWEN said we have not made mortgage payment for the past 46 months. OCWEN did not acquired the loan until XX/XX/XXXX. How can they say we are 46 months behind. Original loan was own by XXXX XXXX, sold to XXXX XXXX in XX/XX/XXXX, then the loan got transferred or sold to XXXX XXXX in XX/XX/XXXX, the loan was transferred to OCWEN on 1XX/XX/XXXX. As of XX/XX/XXXX, PHH Mortgage Services and OCWEN joined forces to established mortgage origination and servicing capabilities. As a result, PHH is now enforcing a foreclosure on my home. The date of sales: XX/XX/XXXX at XXXX. The publishing amount of the Notice of Sales is now $XXXX and PHH is now the current loan Servicing company.Both company are doing shady business. A dispute was filed on OCWEN on XX/XX/XXXX. But now since the merger with PHH Mortgage Services in XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. They are once again pursuing with Foreclosure on my home. In the disclosure, they indicated an escrow arrears of $XXXX not paid. Enclosed is all of the supporting documents for this claimant. Both companies, OCWEN and PHH Mortgage Services should be put of business for robbing innocent people like myself, who have worked hard to upkeep the home. I am pleading for your help in my case. Please let my case be heard.Thank you.
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| 12/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen has foreclosed on my property with a Strict Foreclosure law day of XX/XX/XXXX in proceedings through XXXX and XXXX when they also stated to me that they have a Hold Foreclosure on my account. It does't make sense.
I had been working with the Ombudsman 's office and my representative to straighten out a very confusing Modification offer first presented in XX/XX/2018, which included no details of the modification except for the amounts of the first three payments ( and no guarantee of a modification even after paying those ). After requesting this information, in XX/XX/2018, Ocwen finally sent me the details, which I agree to, but they said that the time for accepting the modification had passed and that I could appeal. So I immediately appealed, only to find that they then sent another modification proposal in XX/XX/2018 that was much more expensive ( an additional {$260000.00} ), based on their assumption that the value of my house had risen ( magically ) from {$890000.00} to {>= $1,000,000} ( in a very much dropping market ).
I made my representative ( and the Ombusdman office ) aware of what had to have been an egregious error and in XX/XX/XXXX paid for my own Appraisal of my home, which showed the value at {$660000.00} ( emailed to them XX/XX/XXXX ). Working with my Ombudsman, we agreed to " call it '' {$700000.00} since Ocwen said that they had a higher appraisal. They are purportedly working on a modification ( we also spoke of a settlement, but I can not handle a one time payment like that ) all the while I have been to court on three occasions, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX all the while Ocwen states that my account is on a Foreclosure Hold.
I've reported Ocwen before in a much larger scope of problems ( Complaint XXXX-XXXX ). I am assuming, and it appears by the CFPB action against Ocwen in XXXX that you've addressed those. Now, it appears I need some rather direct intervention, and I hope you can help " nudge '' Ocwen to honor their Modification process based on this new value of the home ( similar to their XX/XX/XXXX assessment ) - and immediately before XX/XX/XXXX comes and we are out of our home!
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| 08/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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In XX/XX/XXXXI 've experience some water damage to my property my insurance company was XXXX. Over time of investigation they did release {$27000.00} which were to be broken-up in 23 payments of {$9100.00}. My 1st draw came to me in XX/XX/XXXX around the XX/XX/XXXX I hire XXXX XXXX XXXX XXXX to replace the damage carpet in the home.The amount to replace came up to {$3900.00} because that check came in their name and my name ocwen did not have a separate check for them for the {$3900.00} and XXXX XXXX XXXX would not sign off on the {$9000.00} check so I have to give them the whole check when problems occur with the contractor XXXX XXXX XXXX XXXX the price of the carpet to over {$6000.00} I chose not to use them but them would n't give me my money back. Because they thought Owen would Sue after speaking with ocwen said it was OK for them to give me the money back But our current would not tell them bad nor write a letter stating that so I did not receive the money back So XXXX XXXX still has the {$6600.00} and had it since XX/XX/XXXX And I try to get it back but they will not give it to me So moving forward I asked ocwen what can I do to we see the next draw in order to finish to work on my home they gave me an option to send in some documents which include it receipts from work I 've already done myself an proof that I try to get the money back from XXXX XXXX.After sending the information ocwen order an inspection the inspection prove that 50 % of the work in the home has already been done .The importance of that number is because each draw was based on a percentage of the work done so if 30 % of the work is done on the 1st draw then the next draw was supposed to be release so Owen sent me a check for {$3600.00} not the amount of the next draw what they sent to me was the amount of what I 've already spent in my home that 's not the correct procedure And also sent me a letter stating that when I 'm done doing all the work on the home myself an inspection is done then they will send me the rest of the money that 's not how it 's supposed to be done the insurance money is supposed to be sent to me to do the work not my own money to be used.
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| 05/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents.
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor.
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor??
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX Bank when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody.
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?
|
| 05/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents.
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor.
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor??
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody.
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?
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| 06/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is on PHH Mortgage, XXXX. XXXX XXXX XXXX, OH XXXX, XXXX My husband and I bought our home with XXXX XXXX in XX/XX/XXXX of XXXX.
The initial flood map was looked at by XXXX XXXX and deemed in the flood zone, after our loan officer and our realtor pushed back on the first determination, we were then granted a Standard Flood Hazard Determination Form ( SFHDF ) from the Department of Homeland Security Federal Emergency Management Agency that stated our home was not in a special flood hazard area. It was dated XX/XX/XXXX and was prepared by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX.
We did not purchase flood insurance and we did not have to obtain flood insurance per the terms of our loan that we closed with XXXX XXXX
Our mortgage was then sold to PHH Mortgage. In XXXX and XXXX we received letters from PHH that stated we needed to provide flood insurance, or that is was required on our property. If we did not provide proof of flood insurance, PHH would obtain coverage on our behalf and add it to the terms of our loan, without our consent or signatures.
We emailed a copy of the SFHDF to PHH, we sent a copy of the SFHDF via USPS mail as well as uploaded a copy of the SFHDF to their website. None of these copies were acknowledged or replied to by PHH. Mind you, they also have this documentation with our mortgage documents when they purchased our loan from XXXX XXXX.
At this point, we have exhausted talking to or emailing PHH Insurance Department and we are completely flabbergasted that while we were not required to have flood insurance on our home in order to purchase and sign the mortgage with out possessing flood insurance, and we have a SFHDF that has been officially determined that we are not in the flood zone, then loan was then sold to PHH for servicing and they took it upon themselves to rewrite the terms of our loan.
From our research they are in violation of the Mortgage Regulation H because they are not accepting the previous flood determination from our original loan closed by XXXX XXXX, and they are also breaking the servicing laws by illegally changing the terms of our original loan.
|
| 06/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Applied for modification in XX/XX/XXXX. The company delayed the modification process for months causing us to fall delinquent. The company continued to request duplicate information which we complied with each time. Each time we complied with a request we would receive correspondence from the company confirming receipt, confirming the information was correct, then correspondence that the information was in fact NOT correct and they needed updated different information. In XX/XX/XXXX we began to receive notices that a foreclosure was pending and a lawsuit had been filed. At the same time we continued to receive notices that the modification application was still under review. In XX/XX/XXXX when I contact CFPB, which in turn contacted PHH Mortgage, suddenly the application was approved and we were to enter into trial payments as a condition to being approved for a permanent modification. In XX/XX/XXXX we completed the trial payments and were told that the modification would be finalized. In XXXX, amid the Covid outbreak, we received paperwork to be notarized, and returned to PHH. PHH arranged to send a Notary to our home to process the paperwork on XX/XX/XXXX. The Notary sent the paperwork to PHH and we received work from PHH that the paperwork was incorrectly processed by the Notary. They scheduled another notary to process the paperwork in XXXX and we received word that PHH never received the paperwork so our modification was being denied due to failure to return the paperwork in a timely manner. The PHH representative then called us and admitted that the mistake was on his part and he should have stayed in better contact with the notary. PHH sent a Notary to us for the THIRD time. This time we also retained original notarized copies and mailed them certified to PHH. We have now been told that although they received the paperwork, they are not sure if " the Department '' will reverse the denial and they have subsequently refused the XXXX payment. Their continued incompetence in the handling of this matter is resulting in continued fees on our account as well as negative credit rating. This issue has been pending for over a year.
|
| 06/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been a customer of PHH since XXXX. This month ( it is now XX/XX/XXXX ) I have not yet received a bill for XX/XX/XXXX. The usual amount is {$780.00} and I am close to paying off the loan in its entirety. I have never failed to receive a bill in a timely fashion in the past 17 years. In fact, by this time of the month I would have already received 2 bills for the following month and would be preparing to mail in my payment. PHH has a reputation for trying to foreclose on mortgages that are current.
I have phoned PHH at XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXXI was advised that no billing has been sent out. I also was strangely differently advised by another PHH phone representative, that my bill had been sent out on XX/XX/XXXX. I immediately requested that a duplicate bill be sent immediately. I further requested that a bill be sent by First Class Mail, email or fax immediately to me so I can pay on time. I spoke with an individual from the XXXX or XXXX twice I think on a very poor quality connection. I was also inappropriately advised that my payment would not be considered late until XX/XX/XXXX. I pay my bills on time, always. I pay them by the first of every month. Due to the poor quality and incomprehensible calls ( 2 of them to either XXXX or the XXXX XXXX by my request I was transferred to another individual. I have had previous experiences with PHH and have even had to involve a lawyer because of illegal and deceptive practices.
make no mistake about this : I have NOT asked for a forbearance. I am aware of RESPA laws that in case of any mortgage servicing changes I am required to be notified of any such change. So I know that no servicing change could have occurred.
Eventually I was transferred to XXXX in the Escalation Department on Thursday XX/XX/XXXX. She promised me an immediate bill by mail ASAP, email or fax. She has all of the relevant information to get this done. She promised to call me and has not done so.
I demand PHH immediately send me a bill for XX/XX/XXXX. I suspect illegal activity and criminal behavior on the part of PHH.
Thank you for your consideration in this matter.
Sincerely,
|
| 11/29/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
OWR NOTICE OF ERROR 524 Injunction : XXXX XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have XXXX escrow the payment and not apply them. In XXXX XXXX XXXX XXXX transferred the loan to Ocwen. Ocwen began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by XXXX XXXX XXXX which was purchased during the federal stay was still on the property and the plicy debt being asked for by XXXX XXXX XXXX and now Ocwn was not petitioned to be in the bankruptcy plan making that debt discharged.. Ocwen was notified by Mr XXXX in XXXX when Ocwen sent out the transfer notices with the original note information that the loan data was incorrect. Ocwen did not comply with the agreement until XXXX when finally Ocwen corrected the loan in XX/XX/XXXX. Ocwen at that time was still listing a insurance debt owed from XXXX XXXX XXXX and now because of XXXX XXXX XXXX actions to create an escrow account for the insurance and taxes Ocwen began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. Ocwen refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. Ocwen filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now Ocwen has acknowledged that I had made payments and that XXXX had not been compliant with my Bankruptcy plan. Ocwen has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.
|
| 06/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.
|
| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy at which time both myself and my lawyer attempted to reaffirm my mortgage and OCWEN did not respond to the many requests we made. They then reported my mortgage as past due to the 3 credit bureaus and stopped reporting any of my payments. I filed a complaint with this agency ( CFPB Case Number XXXX ) OCWEN review my mortgage in answer to the complaint and though they did not reaffirm the mortgage, they did admit that the mortgage was current, they supplied a detailed account of the mortgage activity for the previous 33 months and confirmed that as of XX/XX/XXXX " the account is contractually next scheduled forXX/XX/XXXX. '' On XX/XX/XXXX I received a certified letter of foreclosure in the mail from OCWEN stating that they had not received my XXXX nor XXXX payment. I also subsequently received 3 more notices stating that my house was in danger of being foreclosed due to non-payment of my mortgage.
I have spoken with 2 individuals at OCWEN who are insisting that my mortgage is not current, one said that it was 2 months behind and the second one said that it was one month behind. My last conversation on XX/XX/XXXX I informed the individual that my mortgage was current and requested that they send me confirmation of that in writing within 5 business days and I have not received a reply.
My mortgage is current. I have the reconciliation of my mortgage account OCWEN provided showing the mortgage current through XXXX, I have a print out from my bank account showing all the payments that were made electronically and I have all the monthly statements from OCWEN showing the payments being received.
I do n't know what happened in XXXX, but it looks like someone went in and misapplied payments on my account back to XXXX and that created a problem on my account and they are unwilling to admit that they are at fault, or they have deliberately done something to my account to try to fraudulently foreclose on my house for non-payment.
My mortgage Is not behind, it is current, the next payment is due XX/XX/XXXX and would like OCWEN to immediately stop this nefarious activity against me.
|
| 06/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
I spoke with a representative on XXXX XXXX, 2015. His name was XXXX and his ID # is XXXX. I called to make a payment on the account. They would only take my checking account number. I gave him the routing number for my bank - XXXX XXXX XXXX and my checking account number. XXXX. This is the same account number that I have given to other companies to take money out my account and to have money put into my account. I have had this checking account for over 10 years. XXXX even game me a confirmation # of XXXX. I noticed on a correspondence and my checking account that the payment was not processed. I called today on XXXX and spoke with rep ID # XXXX who originally told me that the payment was rejected on XXXX for NSF, I explained that could n't be true because I am looking at my account and there were funds in my account on the XXXX, how could you verify a checking account in XXXX hrs, and that I did not have any NSF fees from my checking account. He placed me on hold a little longer and then he came back with the excuse that it was n't the XXXX payment it was my XXXX payment that was rejected, I said that was not true because the XXXX payment is showing on the automatic system when you call in to my account and it was also a bank transfer - guaranteed funds. He placed me on hold again and then this time he said it was rejected on the XXXX because my bank said it was the wrong account number. So, I called my bank with the Ocwen rep on line and that credit union rep confirmed that the account number and routing number XXXX gave on the XXXX was correct, but maybe Ocwen can try putting a XXXX before everything, due to Ocwen 's system XXXX. He said he would try but if it reject again he would charge me another NSF fee. I explained that the XXXX XXXX would need to be credited to my account and due to OCWEN system issue I should not be responsible for any fees. He said no I am still responsible. There is also an {$110.00} fee on my account that XXXX on XXXX could not explain what it is for and that he said will stay on my account until the Maturity date and will not effect the principal or interest or negatively effect the account,.
|
| 11/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
What is the complaint? The mortgage company XXXX is doing another BPO ( 5th time ) and continueing to delay short sale and not accept a property apprasier estimate that we gave to them and only accepting their BPO by real estate agent who are not certified appraiser. this is our second complaint, Please help and render justice to our situation as I am older and ill with hardship.
I have a property up for short sale and closing listed with a realtor since XX/XX/XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. What problems are you having? Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. What happened? The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.
|
| 08/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX I sent a check to Ocwen for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the Ocwen reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
|
| 06/17/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I never owed XXXX {$310000.00} as reported to the credit bureaus.
Since it was removed I suppose it paid off {$240000.00} reported by Indymac.
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account.
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice.
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full.
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money.
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me.
I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}!
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame.
XXXX need to fix it.
XXXX XXXX XXXX needs to pay me back.
So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years.
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.
|
| 06/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I filed Chapter XXXX bankruptcy and did not include my house in the bankruptcy. Ocwen is my mortgage company. I was able to continue making payments towards my mortgage up until XX/XX/XXXX. My last payment accepted by Ocwen was in XX/XX/XXXX. I made a phone call to Ocwen on XX/XX/XXXX at XXXX Central time. During that conversation I was transferred to the bankruptcy department. The purpose of my call was to discuss why I was unable to make a payment in XXXX both over the phone and on the internet. The customer service representative would not allow me to make a payment. He stated that because I had declared bankruptcy my loan was then transferred to the bankruptcy department which is why I was not allowed to make a payment. The CSR stated that Ocwen had not received my reaffirmation agreement from my bankruptcy attorney, advised me to contact my attorney, have my attorney fill out the reaffirmation agreement, and fax it to Ocwen. He stated this had to be done in order for Ocwen to start accepting payments. After much back and forth between my attorney and Ocwen I learned that the information your CSR gave me was incorrect and that I should have been able to make a payment. Due to this I fell behind on my mortgage and then unfortunately lost my job early XXXX of this year. By the time I had all the information from my attorney and Ocwen, Ocwen then would not accept any payments unless the behind balance was paid in full. I was told that since the account was greater than 90 days overdue they could not accept any amount of money except the full amount. This incorrect information created quite a problem for me. When I found out that the information this CSR gave me was incorrect from another Ocwen CSR I was told " I 'm sorry you were told the wrong information but they should have been able to take a payment, you were n't speaking with a bankruptcy team expert. '' How in the world was I supposed to know that when I got transferred to the bankruptcy department that XXXX. I was n't speaking with an expert and XXXX. That the information he was giving me was incorrect and that a payment should have been accepted!!!
|
| 04/21/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.
|
| 12/13/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I have been working with IndyMac turned to Ocwen since XXXX to process a deed-in-lieu on a property I owned. After much back and forth with the banks, my property was finally officially transferred/deed recorded from me to Ocwen in XXXX XXXX. Since then, I have followed up with Ocwen several times to receive a XXXX to file with my taxes. As an aside, they issued a XXXX in error in XXXX. Each time I contact Ocwen about a XXXX, they keep saying that they are still working on my file to close it out. It 's been 17 months since the deed has been transferred to them and I just called the other day and they told me that they were still working on it and may not have it done by the end of XXXX? The Mortgage Forgiveness and Debt Relief Act of XXXX provides a tax exemption for homeowners for " income '' resulting from debt forgiveness related to foreclosures, short sales and principal forgiveness of loans. That Act expires on XXXX XXXX, XXXX and therefore, if Ocwen does not process this deed-in-lieu it would prohibit/exclude me from exercising my protections and rights under that law. I am XXXX XXXX in the United States XXXX XXXX and had to release this property as a result of a permanent change of station as a result of my call to XXXX XXXX. I am serving this nation, and I have tried my best to work with Ocwen to resolve this matter, yet, this issue is not a priority to them since they will benefit from having me not qualify for relief under the law. I would hate to think that they are " sitting '' on my file so that I can not claim relief under the law. If that 's not the reason, they have very inefficient business practices that will ultimately have grave financial repercussions for me. I am disappointed and at my wits end. Once again, Ocwen claimed that they would try to expedite resolve, however after 3 years of going back and forth with Ocwen, I ca n't continue to believe what they tell me. I have filed XXXX XXXX complaints but they have an F rating anyway so that has not worked. I am now reaching out to the CFPB in hopes that you all can help me to get them to simply close out my deed-in-lieu file before XXXX/XXXX/XXXX.
|
| 11/11/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I had a equity line for the sum of {$40000.00} when i purchased my home thru Ocwen well this was in approx. the year 2001 well it was never disclosed to me that the XXXX XXXX dollar payments a month in the terms was only going toward the interest on this loan. I am a blot naive to real-estate practice and was never aware that this equity line has never went down for the past 20 years the loan was sold to PHH Mortgage within the last year or so, .well I got behind on payments to Ocwen and they tried to foreclose on my property. in which forced me to file a chapter XXXX.well last 5 years I have not missed a payment and my chapter XXXX is complete .I have tried to contact someone at PHH on numerous occasions in which I get thrown from one person to another and never get anything resolved. Now I have been sent a letter that the loan has reached its maturity and they demand that i pay {$37000.00} to them in which is impossible. I am stupid to believe my loan should have been paid off a very long time ago instead I just kept making interest only payments don't know which avenue I need to turn to.at the first of XXXX we were in a pandemic and I went to their hotline and did what I was told to-do well I assumed I was under a forbearance and with no work I could not pay for 4 months they tell me they have no forbearance documented now and this loan has reached its limit. don't know who to turn to feel like I have been taken fully advantage of the last 20 years because of my lack of education and being naive to the real estate procedures? don't know who to turn to for help cant afford a attorneys and feel I have no leg to stand on please direct me in the direction I need to go with this because nobody at phh mortgage has a clue what's going on I get put on hold from one person to another and every person in that company just don't want to deal with me so they either hang up on my call or put me on hold to someone else then get put on hold and the possess starts over in one vicious circle .I operate my own XXXX and I dont have four hours a day to play phone games with them and in the end never get anything resolved. please help
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : PHH MORT SVC XXXX Date Opened : XX/XX/XXXX Balance {$470000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
|
| 07/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
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I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!
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| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First, this is not a live-or-die matter. I have a mortgage with Ocwen Financial. I have always paid on time. The specific matter here is a payment they say was received on XXXX ( a Mond ay ). XXXX XXXX XXXX , which sent the payment via my online bill payment account, says it was received on XXXX ( a Fr iday ). The { $98.00} penalty Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid. Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes XXXX XXXX look like emissaries of XXXX XXXX . Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by XXXX and XXXX XXXX , I was prompted to speak out.
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| 09/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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After realizing that my rescission rights were still effective due to the fact that my loan has not yet been consummated under the laws of California, I sent Ocwen Loan Servicing , LLC a letter rescinding my loan on XXXX XXXX, 2015. The letter was mailed to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and received by them on XXXX XXXX, 2015. I have attached a copy of the letter as well as the follow up Notice of Non-Compliance. I was fully prepared for Ocwen Loan Servicing LLC to file a lawsuit against me to challenge the notice of rescission, but they did not within the XXXX day statutory period provided under the Federal Truth In Lending Act. Under the Act, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Under the Act, Ocwen Loan Servicing , LLC had XXXX days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission in any way. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Ocwen is now in violation of the law, and they are blatantly disregarding my loan rescission rights. As previously mentioned and attached, I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Wednesday, XXXX XXXX, 2015 and that they forward me a release and or a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Ocwen Loan Servicing , LLC continues to ignore the law and that they are in violation of a Federal Act. Their actions are in direct violation of federal and state laws. I request the Consumer Financial Protection Bureau take some kind of disciplinary action against Ocwen for their blatant disregard for the law and for attempting to pursue a foreclosure on a deed of trust that has been canceled by operation of law. I am hoping with your interaction, Ocwen will choose to abide by the Act and take the necessary steps that is required of them by law.
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| 08/09/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.
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| 10/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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Hello, on XX/XX/XXXX, I applied for the Wisconsin Help for Homeowners grant because I was unable to pay my mortgage. I was approved in XX/XX/XXXX. For the past 4 months I have been trying to get through to someone/anyone that can help at my mortgage company ( PHH mortgage ) so that WHH ( Wisconsin help for homeowners ) can release the funds to bring me current on my mortgage. Meanwhile on XX/XX/XXXX my mortgage company ( PHH ) served foreclosure paperwork. I have always paid my mortgage on time ( Ive lived here for 21 years ) through my battle with XXXX in XXXX, through XXXX and then getting XXXX in XXXX. My home has needed many repairs and due to my battles and illnesses I was unable to do any repairs. In XXXX I began finding contractors to repair my home, as it was becoming hazardous to live in. Due to me getting XXXX, having multiple XXXX, going through XXXX, me and my XXXX XXXX XXXX ( XXXX XXXX ) getting XXXX in XX/XX/XXXX and having to get my front sill plate repaired, porch roof that was leaking and causing mold, tear down the remaining damaged chimney, have siding put up, roofing and drywall to repair the hole in the house from where the damaged chimney was, I have not been able to keep up with my mortgage payments since XX/XX/XXXX ). I have called PHH numerous times ( from the person whoever answers the phone at that time, to the mitigation department to the escalation department ) to let them know that all the mortgage company need to do is complete the CDF process so that WHH can release the funds to reinstate my mortgage. This is why I was so confused when they served me papers for foreclosure in XX/XX/XXXX. I finally have a main contact person at PHH but she doesnt understand what the hold up is either and how to advance the process. I want to keep my home that I have worked so hard for, being a XXXXXXXX XXXXXXXX, XXXXXXXX XXXX, battling XXXX, going through XXXX and XXXX please help me get through to them and let them know that all they need to do is complete the CDF process so the state program WHH can release the funds to reinstate my home and allow me to keep my home. Thank you so much in advance.
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| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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On XXXX XXXX XXXX, I spoke with XXXX XXXX with Deutsche Bank regarding XXXX XXXX. He stated to me, to send an email to him at XXXXXXXXXXXX regarding my issue. On XXXX XXXX XXXX at XXXX, I sent an email to XXXX. As of today, XXXX or Deutsche Bank has failed to respond to my inquiry! Please review the email that is enclosed that was sent to Deutsche Bank. Now ; I filed a complaint against XXXX XXXX with the CFPB, case # XXXX. XXXX uploaded a Deutsche Bank loan schedule onto this complaint. This loan schedule reflects that Deutsche Bank loaned XXXX XXXX millions of dollars on XXXX XXXX XXXX. Please review the enclosed document! On XXXX of the pages shows our residence located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX, loan # XXXX for {$460000.00}. NOTE : XXXX XXXX failed to provide assignments and a certificate from the trustee going all the way back to our original lender, XXXX XXXX Mortgage. An assignment ( s ) are used when an investor or bank sells or transfers the asset. A certificate is also issued when an asset is placed into a pool of trusts by the trustee ( XXXX Bank as trustee for XXXX XXXX XXXX XXXX ) to reflect who the current investor is. The trustee will know who to send funds too for this asset being in the pool of trust! As of today, XXXX XXXX failed to provide the documentation that we requested. Now ; since XXXX XXXX provided a loan schedule from Deutsche Bank, we must confirm with Deutsche Bank weather or not XXXX XXXX had this loan for our property! Anyone with computer skills can create a letter head from a previous loan, then remove information and then add the information that you want in order to reflect that XXXX XXXX had a loan for our property. This loan Schedule does not by any means reflect that XXXX XXXX is the current investor. XXXX XXXX could have sold or transferred our note as the evidence that I have in my possession will reflect! XXXX XXXX possibly, failed to create legal documents to show legal ownership of the asset! We request to know if XXXX XXXX had a loan for our property in the amount of {$460000.00} dated XXXX XXXX XXXX, loan # XXXX. We request this information in writing!
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| 05/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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Unfortunately, about 6 years ago my loan was sold to Ocwen loan servicing. I always pay my mortgage on time and submit required insurance documents. XX/XX/XXXX, I received a letter requesting a copy of my mortgage insurance documents. I submitted this to Ocwen but received a subsequent letter so I called them. They told me they hadnt recieved proof of coverage. I asked Ocwen if any requirements had changed and they said no. This year my homeowners association changed insurance providers so I contacted my HOA to please send Ocwen the proof they were asking for. I went back andforth with Ocwen for a few weeks, when come to find out XX/XX/XXXX they are requesting an interior insurance policy. I only found this out once I got a letter stating they are charging me {$1800.00} for interior insurance!! I purchased a policy in XXXX, although this has never been required before but Ocwen is now refusing to return half of the premium to me since they purchased a policy on my behalf back dated to XX/XX/XXXX, before I even received the first letter. What makes things worse is now they are again sending me letter, saying I need flood insurance. Since my condo has flood insurance I requestedd my HOA send them all the documents and called Ocwen two weeks ago and they told me I was fine that they had my flood policy on file. This past week, XX/XX/XXXX. I received another letter requesting flood insurance. I again called Ocwen, only this time was told that my existing flood policy covered the building but not the interior so I would need to purchase a policy or they would purchase one for me. Ok clearly I see that my mortgage company is running a money making scam here. They are forcing me to purchase high priced policies never before required. Why do I need an interior flood polucy when I already carry XXXX insurance policies on my XXXX bedroom condo, in excess of {$400.00} per month, and I live on the XXXX floor!! When I call to ask them, the first few times they assure me I have proper coverage, then they change the story later only to ensure they can slap me with a backdated policy and scam me for thousands. Please help me!
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| 07/21/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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This company plays games with consumers in order to collect more money. We contacted the company prior to sending the check for the total amount on our bill. We were told that we owed the amount on the bill and were not told to request a " pay off '' amount. We sent a check for the total amount on the bill and then continued to try to contact the company because our check was not being cashed. We talked to at least XXXX different people at the company before anyone ever told us that our check would not be accepted. XXXX, an escalation XXXX, in fact told us that she had our check and that the account would be paid in full. She followed up with a call to tell us that she had applied it to our account and that it should be updated the next day. It was never updated in our account. Several days later someone else from the company called to tell us that we owed more money due to daily interest charges. Those daily interest charges should not have been applied to our account. They had the full amount due to them on time. Now they say they did not receive our check until XX/XX/XXXX ( they had it by at least XX/XX/XXXX ). None of their documentation stated that it had to be a certified check, but after not cashing our check or applying it to our account the XXXX or XXXX person that we talked to said they would never cash our check or apply it because it was not certified funds. The entire situation was just giving us the run around as they continued to add daily interest charges to our account. We wired a higher amount of money that they eventually quoted us because we did not want our credit to be hit with a late payment like they were threatening. They had the balance in full on time, and they owe us the difference XXXX {$670.00} XXXX back. This company is not honest, reputable, or trustworthy and I would never voluntarily do business with them again. They were never easy to reach, gave us voice mail numbers that were full, and had a different story every time that we talked to them. I paid them more than I owed them in order to preserve my credit, but as far as I am concerned they need to return that money to me.
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| 12/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The owner is deceased. All documents have been submitted from the XXXX Court. This house is a part of an Estate. Ocwen Loan Servicing, first asked for a loan Modification application, we did it, and then they came back and asked for an Assumption package we did it, Family Transfer package we did it. We sent information concerning the administrators we did it. The person taking responsibility for the loan is the grandson everything was verified by Ocwen.They requested a new Deed with the grandson as the new owner we did it.On XX/XX/XXXX, the new request of Applicant Information Form and the Owner Occupancy Certification was submitted. Then in XX/XX/XXXX the loan was transferred to PHH.
All of these applications and proofs submitted was not accepted or acknowledged by PHH even though PHH is an Ocwen Company.
The person that we worked with was at XXXX XXXX ext. XXXX ( Ocwen ) With PHH, it took 3 months to just talk to some concerning the account and had to call back multiple times and still got no information, but they would put a sale date on a property that complete all of the requirements.We tried to send proofs of all the documents submitted they refused. We completed the new loan modification for PHH they said we did not need too. Yet they have a sale date for XX/XX/XXXX.
The whole month of XXXX starting XX/XX/XXXX. Each time we called we rece3ived another story after being put on hold for at least 10 times if they transfer you to the right department.We spoke to XXXX XXXX Qualifying Assumptions, then each time we called they told us that the case was esculated, we spoke to ID XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX on XX/XX/XXXX and this person said that there were no esculation and nothing was being done to stop the sale Ocwen though everything was done before the transfer. We called back and each time we were transferred they hung up on us. We had scheduled appointments they never called and the assigned representative could not be reached.
We never received a notice of sale from Ocwen or their attorney we found out though a person coming to see the house and from calling PHH.
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| 08/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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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.
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| 08/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when XXXX XXXX dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at XXXX XXXX ET time. and that the sale date was scheduled on XXXX - XXXX -2017 since XXXX - XXXX -2017 there were 2 conversations, one on XXXX - XXXX & XXXX - XXXX where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
XXXX / XXXX /2017, XXXX XXXX NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH : XXXX XXXX IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A XXXX / XXXX /2017, XXXX XXXX NOTE [ n ] - LENDER CALL : OCWEN XXXX SPOKE WITH : XXXX XXXX XXXX IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of XXXX that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account XXXX XXXX - Refused to transfer me to management.
XXXX XXXX XXXX is manager she eventually transferred me to lied by saying could not escalate.
XXXX XXXX lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home once again.
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| 06/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX we purch ased a home on XXXX Ohio from the owner for {$48000.00} we made payments for over 5 years until XX/XX/XXXX . Whe n I contacted the mortgage company the concern was the extra {$2200.00} they where attempting to collect. I was informed it was for home owners insurance I informed the company we had outside insurance with XXXX XXXX whom I had send them the declaration I was told it was never received so I ask them to send it again. I informed the company I was not paying for their insurance. Then I requested a statement of payments for the past year. To find most of the payments was going to interest and insurance. I again contacted the company informed them of the problem stating I will not pay anymore until the matter is fixed. In XX/XX/XXXX we where informed due to non payment they where filing foreclosure. We moved out XX/XX/XXXX informing the company we will not pay. In XX/XX/XXXX as I was denied for employment I researched the issue to find that I had a nuisance warrant for my arrest f or the property. I contact the city to be informed the title had been released and it was in our name. Because we had it lived in the state for over a year we did not wish to return. We then was informed by another company that we owe them {$48000.00} for the property. So we ow e XXXX c ompany we have no idea who they are and we own a home we no longer wish to have. XX/XX/XXXX t he city of XXXX took possession of the property for none payment of property taxes. So now we do n't own the home and we still owe this other company {$48000.00} plus interest to where they state we owe {$62000.00}. No one can answer my questions o what happened to the 5 years of escrow paying {$420.00} a month with {$5000.00} down that makes it over {$30000.00} that we have no idea what happen to it nor where any payments went for this home. So my complaint is that they not only took our money they are asking for more. Now based on my memory in XX/XX/XXXX to XX/XX/XXXX t he lenders name changed like 4 diffe rent times without notice to find out it was the same company just changing their name.
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| 01/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Please DO NOT allow OCWEN ( now PHH ) to continue their wrongful/improper/illegal foreclosure to struggling homeowners like us who are minority seniors. CFPB ( you ) have sued Ocwen for their unfair practices, widespread errors and yet they continue to do so. They want us to vacate the property ( our primary residence ) in exchange for cash for keys. They sent this offer before XXXX XXXX ( before the holidays ) but we did not take their offer CFPB issued a cease and desist and license revocation order against Ocwen.
They failed to assist homeowners seeking foreclosure alternatives. They want us to be homeless or move out to the streets during the pandemic/omicron surge? It's like pushing us to our death. How cruel and inhuman Ocwen/PHH can be to XXXX senior citizens like us? Our property was foreclosed XX/XX/XXXX and the Trustee sale was awarded and recorded to Ocwen as the Trustee Deed Upon Sale.I wonder if Ocwen at that time is still licensed to do business? Our property 's Grant Deed is to XXXX and XXXX XXXX, husband and wife as joint tenants when we bought it on XX/XX/XXXX. It was refinanced on XX/XX/XXXX under my husband 's name only with All American Finance/Loan Experts but transfer ring interest to XXXX Bank XXXX There was a break and in the chain of assignments. Loan experts is no longer in business and there is no one capable of executing an assignment. It was also mistakenly not recorded as the bank admitted. Where a true XXXX XXXX property between husband and wife exist, the interests of each should be their separate property. When spouses take title in joint tenancy, each spouse holds his or her interest as separate property under California law if the community property presumption is overcome. Regardless of the state of the title, property must be either one or the other. It can not be both. They can only foreclose the 1/2 interest of the debtor ( my husband ) but not my 1/2 interest in the property or maybe their lien is invalid? We need your help to stop OCWEN/PHH from victimizing people like us.
Our Ocwen/PHH XXXX Property XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/20/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX, 2009 Wells Fargo filed a FRAUDULENT FORECLOSURE COMPLAINT : Wells Fargo and its attorneys XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Wells Fargo acquired my personal information via committing identity theft Wells Fargo took my personal information and fabricated a foreclosure package. Fraudulent at the time of filing this foreclosure complaint # XXXX.
Wells Fargo claimed to be the owner and holder of the Note and Mortgage which they never had the assignment or Mortgage nor Note they where not the original lender nor was the mortgage transferred or sold to Wells Fargo from the true original lender. XXXX XXXX came to court to inform the Judge he has never had any contractual obligation to Wells Fargo seven months from filing the case Well Fargo did not produce proper documents to the court. The court wanted proof of an assignment since Wells Fargo was not the original lender they never produced the proper documents to prove their standing to foreclose. After XXXX XXXX, 2009 ... see order clearly shows that Wells Fargo was not the original holder of the note or Mortgage. Two days after on XX/XX/2009 Wells Fargo attorneys filed FRAUDULENT assignment ... .PLEASE SEE EXHIBIT A-2 See fraudulent assignment of Mortgage that was recorded XXXX-09 this was filed seven months after the fraudulent foreclosure complaint was filed notice The assignment has no LOAN NUMBER therefore its invalid. The assignment of Mortgage was never presented to the court but it was recorded with the recorder of deeds office. In order to conceal the Fraud Wells Fargo filed a motion for substitution of Judge from CALENDAR 53 TO CALENDAR 64 this was done without submitting the previous order from the original judge from calendar 53 this was done in order to conceal fraudulent foreclosure.
IN CLOSING : This foreclosure was filed by stealing and acquiring my personal information to fabricate a fraudulent foreclosure package to deceive the court therefore commiting fraud upon the court. The Note sent via email and certified mail in this instance constitutes mail fraud in a continuous scheme to steal property under code # 18 U.S.C.1341
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| 07/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!
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| 03/27/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By statement dated XX/XX/XXXX, XXXX XXXX ( " XXXX '' ) together with PHH Mortgage Services ( " PHH '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by Litton Loan pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : F-34006-09 on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX.
By statement dated XX/XX/XXXX, XXXX and PHH are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : F-034006-09 ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter.
Despite my repeated notices forwarded to XXXX and PHH over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by XXXX, PHH, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments.
The actions by XXXX, PHH, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.
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| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I requested mortgage relief starting on XX/XX/XXXX through loan solutions website per the directions of PHH online service for help. After not receiving a call for several weeks on status I reached out. They told me that they needed additional information in which I uploaded additional info on XXXX. Called back on XX/XX/XXXX and they said they needed additional documentation as they couldn't see anything that had been uploaded to the XXXX XXXX website even though I could clearly see my documents. They said I needed to email them so I did.
XXXX they wanted more documents and I emailed them.
XXXX more documents emailed.
XX/XX/XXXX more documents emailed XXXX more documents emailed to them XX/XX/XXXX supposed to have yet another call with Relationship manager at XXXX and no call came in so I reached out and they said that they still needed another documents It is important for me to note that EACH and EVERY time I asked if this was ALL the documents they would need because I was sending the same items in over and over. I also asked if this was being reviewed by the Underwriter and if that is what he/she was requesting. I can honestly tell you that each time I talk to them they give me a different answer of what the status was is or what items are needed. I am in the XXXX XXXX and am very aware of the process and procedures and it is an absolute shame that this company is in existence. I can't even imagine what someone with no industry experience would be going through right now. I have depleted all of my savings and am pulling money from my XXXX account, etc. to make sure my mortgage stays current. What I have described above is just the beginning of my experience with PHH in trying to receive some help from being impacted by Covid. The calls above are only a few of the calls I have made. I have begun to ask if the calls are being recorded for future reference ( I tell them I want to make sure this is being documented ) and they tell me that they are. I am asking not only for my help but to help others who are in need and going through this process with a company that clearly should not be in business.
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| 06/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX Good morning, We're reaching out to you, in the hopes that you will assist us, with our negotiations, with Ocwen loan servicing.
We are WELL aware of the fact that Ocwen has a very long history of deception and fraud, when it comes to dealing with distressed homeowners and we need your help in our situation.
We began our negotiations with them on XX/XX/XXXX. At that time we got a snapshot of our account status and we told XXXX, employee # XXXX that we would be submitting all paperwork required for review of our loan.
On XX/XX/XXXX, we spoke with XXXX XXXX employee # XXXX. She informed us that all 52 pages that we faxed, were documented, imaged in and that the review process would begin within 3 to 5 business days.
During the month of XXXX, we were required to resubmit the XXXX form, along with proof that my husband, XXXX XXXX, was the Executor of the Estate on this account.. TWICE. We did so happily.
During the month of XXXX we've had contacts with them on a weekly basis and each of those conversations, we were told that our request for modification was being reviewed.
We spoke with Ocwen on the XXXX, to XXXX, employee # XXXX and then to XXXX XXXX, employee # XXXX. At that point we were told that NO modification was being reviewed.
We requested to be transferred to a supervisor and we spoke with XXXX, employee # XXXX. He told us that the original request for modification was, in fact, closed on XX/XX/XXXX. Meaning - Ocwen has been lying to us for the past 3 weeks.
In order to review this loan for modification, a request ticket for an Assumption Modification must be made first. Documentation must be submitted for that and once approved, the formal modification can be completed. This was discussed during the very first conversation we had with Ocwen and they agreed that this would be done simultaneously, with our request.
All of the notes from our conversations are attached to this complaint and we're asking that you reach out to Ocwen immediately, so they take this matter seriously and we get to where we need to be as quickly as possible.
Thank you for your help with this!
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| 05/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan Servicing withdrew XXXX payments of {$2000.00} and {$2500.00} from my bank account on XXXX/XXXX/2015. While I authorized the {$2000.00} payment, I did not make the {$2500.00} payment they pulled from my account. The last time I made such as payment was on XXXX/XXXX/2015. I am not behind in my payment so they applied the payment to XX/XX/XXXX payments. I called Ocwen on XXXX/XXXX/2015 to complain and have the money sent back. The lady I spoke to said I must have made the payment by mistake which I disagree. She However promised that the {$2500.00} will be wired back in for days. I waited for XXXX business days and when nothing happened I called again. This time I got a lady who explained that the accounting department was processing the check and they ca n't tell when I 'll have it even when pressed on the issue. Again 3 days to end of the month I had n't received the money. I sent emails as well on the issue and each week I have been getting a letter from Ocwen saying that my issue is being reviewed by the Research Department. On XXXX/XXXX/2015 I got tired and wrote to Ocwen telling them that this has taken too long and I want my money back with interest for the whole month.
On XXXX/XXXX/2015 someone from the resarch department called me asking is they could apply the money to my next months payment. I could n't understand why anyone would withdraw someones money by a mistake, ignore all request to refund the money, keep it for a whole month, then have the guts to call and ask if they can keep the money. Out of my anger I told the gentleman that they did n't ask for my permission to take the money and keep it for that long so they do n't need my permission to do anything. Now I 'm trying this final approach before I take legal action. This is just one of the issue have had with this company since I refinanced my home last XX/XX/XXXX and they got loan. I have spend so much time on phone to correct simple errors on my insurance coverage from XX/XX/XXXX to XX/XX/XXXX and every time they used to tell me to email the documents yet no actions was taken. Now they are using my money as soft loan.
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| 04/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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In XXXX, I initiated a rental agreement with the Homeowner to utilize the backyard for a community garden project in the XXXX of XXXX. XXXX, I began renting the home from the Homeowner on a month to month basis with the common interest of making needed repairs on the property. XXXX XXXX, I was contact by the Homeowner that the property was in foreclosure which was owned by XXXX Bank at the time. In early XXXX, the property was auctioned off to XXXX XXXX. In late XXXX, I attempted to purchase the home from XXXX XXXX and was denied a mortgage. In XXXX, my son, XXXX XXXX who is a veteran, attempted to purchase the home along with his wife and he was told that he did not have sufficient income and he was not approved. He had sufficient income and sound credit when he applied. Eviction proceedings were initiated at that time. Late XXXX, I gave a check in eviction court to XXXX XXXX for the amount of {$80000.00} certified funds and I was told in court that the price was {$390000.00} and that my offer would not be granted. After that court hearing, I had the property appraised showing that the property was only valued at {$70000.00}. My offer was for {$80000.00}, {$10000.00} more than what the property was appraised at the time. The property was then listed on HUBZU.com for {$85000.00}. I have submitted offers to at minimum XXXX auctions on line, I have remained the highest bidder in the last several auctions and my offer has yet to be accepted. At this point, the lender seeks to evict me and my family from the property. I live in the home with my XXXX year old mother who is a recent XXXX and I have made every effort to remain in place and satisfy the debt of the lender who refuses to work with me on any resolution.
There has been significant confusion of who OWNS the property and who can accept or reject my offers to keep the home. The property located directly north of the home was sold for {$71000.00} which further demonstrates that this property is not worth the requested {$390000.00} of the lender.
The appraisal of the property cost {$300.00} to verify that all information stated is true and verified.
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| 09/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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PHH Loan number XXXX My mortgage payment is less than 10 % of our monthly income not to mention we could go liquid with assets over {>= $1,000,000}.
Explain to me how my income is insufficient for the amount of credit requested?
Im requesting all appraisals and other written valuations used in connection with my application.
Im shocked that i was discouraged in applying for credit by your company after receiving federal public assistance from taking a short forbearance on my mortgage. As you know when we realized we could go back to work i paid my forbearance in full.
The FTC states that our application should have been accepted our rejected within 30 days of filing our application.
Your company has damaged my credit score, by delaying our processing you have not acted in good faith and we have lost investment opportunities due to your delay in processing.
if others have received credit from PHH mortgage with similar income, age than you have discriminated under the Equal Credit Opportunity Act. It is apparent that by delaying my application PHH Mortgage benefited by us having to pay a higher interest rate mortgage your company is presently serving.
I will be reaching out to the Federal District court regarding Federal Trade Commission - Equal Credit Opportunity Act and to The State of Texas Attorney Generals office.
From : XXXX XXXX XXXX, XXXX '' XXXX Subject : RE : PHH Loan number XXXX XXXX : XX/XX/2020 at XXXX XXXX CDT To : 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 XXXX " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX Good morning XXXX, The email youve received regarding the insurance policy was a mass email sent out by our Insurance Team that had our names prepopulated on it!
This has already been updated and no further action regarding this is required.
I apologies for the delay, I understand this process has been longer than we wanted. We truly appreciate all your time and cooperation.
XXXX XXXX XXXX XXXX Loan Processor Toll Free : XXXX
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| 09/02/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month.
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation.
My name is XXXX XXXX XXXX XXXX XXXX.
My loan number with Ocwen is XXXX
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| 04/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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Can you help me or tell me who I can contact for help? My husband andI are 3 months behind in our mortgage payments to OCWEN. Wecontacted them for a loan modification. Yesterday we received a trialperiod modification that expires in 8 days. We were told what our newpayments would be, which are only {$40.00} less than our current paymentsare but they did not give us any other information about the terms of themodification. We were supposed to approve these new terms blindly in8 days ( by XXXX XXXX ) without any idea of what the new terms would be.
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't.
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}.
Is this legal? Can they really consider that to be assistance? They'renot helping us, they are helping themselves. I think they want toforeclose on our house because we have equity. They are telling usthis is our only option. When we asked about the XXXX insettlement funds, we got the run around. We were told that we weren'tflagged for that money and that money was used for people who hadalready been foreclosed upon. I told her that was untrue, that only aportion of that went to people who were foreclosed already and that therest was earmarked for current customers underwater and/or havingdifficulties. She continued to give me the run around and was n't beinghelpful at all. When I finally asked for a supervisor, she put me on holdfor so long that I finally hung up. She never called back. I 'm sure sheleft me on hold to intentionally avoid discussing the settlement fundswith me.
Is there anybody who can help us?
Thank you
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| 05/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Loan Number XXXX with Ocwen. Ocwen is showing much more than what I owe on my Loan with them. Loan was taken out in XXXX XXXX for XXXX. Since then they are saying I owe XXXX. I have been trying to get statements showing my payments since XX/XX/XXXX. Recently with your help I did get them from XXXX/XXXX/XXXX but nothing before. The statements that I did receive had many discrepancies. I will up load the XXXX different statements to you showing the discrepancies. Beginning with the oldest statement that I have but not going to original date of XX/XX/XXXX. The oldest I have is XXXX/XXXX/XXXX to XXXX/XXXX/XXXX there were several payment that no interest or principle was applied those dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Unexplained fees on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Other discrepancies were pages XXXX to XXXX were not mailed to me. Ended balance after XXXX/XXXX/XXXX was showing at {$81000.00} with all the discrepancies. Statement dated from XXXX/XXXX/XXXX to XX/XX/XXXX Balance was lowered to XXXX then they added a suspense application fee of {$510.00} bringing it back to {$81.00}, XXXX. Statement dated from XX/XX/XXXX to XX/XX/XXXX Many property inspection fees and valuations XXXX were done on XX/XX/XXXX only Balance was down to {$79000.00} on XX/XX/XXXX then I tried to get a modification and they told me I was going to lose my home many times unless I signed the trial payment. I had no choice and they increased my payments were I could n't afford and increased my Balance to XXXX. This was ILLEGAL but I thought I had no choice at the time. Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX incorrect Balance of XXXX. Again I feel they increase my balance of my loan illegally and do n't owe what they are showing with all their fees and increase of balance. This is illegal unfair practices. I am still trying to get the statements from XXXX XXXX to XXXX XXXX to see if they have also made incorrect charges or did n't give me credit for my payments.
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| 05/19/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Complaint was filed with Federal trade commission. Consumer Finance and HUD. NO COMSUMER LAWS WERE UP HELD.
FRAUD COMITTED BY THE FOLLOWING BANKS!. XXXX Excessive Brokers Fees, XXXX in PA.
Transferred loan under court jurisdiction when not aloud did not collect from XX/XX/XXXX to XX/XX/XXXX. no TRANSFER RECORDED NO REFINANCING ALOUD NO NOTICE FOR MOST TRANSFERS.
2.XXXX sister company held from XX/XX/XXXX to XX/XX/XXXX transferred again with out court approval.
3. Littion Loan Servicing- fraud not posting payments collecting fire insurance when not needed paying taxes when not late.recording less money than paid to IRS Transferred after XXXX FRDULENT COPIES SENT TO CONSUMER FINANCE HUD AND FEDERAL TRADE COMISSION. NOT listed in XXXX district court as having owner ship XXXX Only.
4. Transferred to Ocwin never collected a dime never signed any thing with this company. Reporting on credit report as fore closing when XXXX XXXX was aloud to foreclose even with a letter sent to comsumer finance by a official from XXXX XXXX stating they had no legal right to collect.. Posted in XXXX district court also.
5 XXXX XXXX no transfer ever given no papers signed no right to collect.
In XX/XX/XXXX XXXX person went into the XXXX district court and transferred my mortgage from XXXX to XXXX to XXXX & lt ; XXXX. Where were the reps from these now defunk companies sinceXX/XX/XXXX. Paper work was also fraud. I guess anyone can steel anyones property I have proof of this even in court documents.
It is required to register right to collect where is the XXXX in XX/XX/XXXX and Littion Loan servicings?
You as well as the XXXX district court stole my house. Was n't itbad enough that these banks did what they did?
Iam now XXXX years old with majer health problems brought on buy this, My credit is being ruined by Ocwin bank who never collected a dime and is not registered in the XXXX district to collect.CFPB did nothing as well as Federal Trade Commision and HUD you all are being paid to enforce Comision protection Laws and NONE of you are you all need fired. for you XXXX, Please do publish this and if not I will!
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| 05/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
|
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My Narrative begins with the ongoing persistent " Grossly Negligent '' behavior of Ocwen. Beginning with the deceit, Fabrication of evidence, documents, and motions in Dismissed with Prejudice XXXX by XXXX XXXX XXXX, for XXXX XXXX XXXX. My XXXX XXXX eviction case XXXX in front of Judge XXXX and XXXX XXXX ( opposing Counsel XXXX-originally represented by XXXX XXXX and finished by XXXX XXXX XXXX ). Fraud is evidenced by differing evidence, fabricated documents and omission of certain Documents. Documents presented to me as " Written Request for Validation of Debt '' provide yet another set of Documents all claiming to be " True and Exact '' copies of documents recorded in XXXX County. All documents are inconsistent with the actual documents on file in XXXX County ( XXXX ). A XXXX Appraisal dated XXXX XXXX, XXXX ( mortgage closed XXXX XXXX, XXXX and replaced mortgage closed XXXX XXXX, XXXX ). Unsigned and un-initialed disclosure statements. Ocwen continues to violate CFPB v Ocwen case # XXXX filed XXXX/XXXX/XXXX. Ocwen has ignored past settlements with XXXX as Trustee. Settlements they are liable to through past mergers and acquisitions. An Addendum provided me as " Written Request for Validation of Debt '' states at " Lenders Request '' collateral for Loan is XXXX acres and house yet they have taken all XXXX acres through Sheriff 's Sale. Loan was also sold to FHA ( maximum XXXX acres ) and sold back to Bank due to poor underwriting. Recently Ocwen hired XXXX XXXX ( XXXX XXXX XXXX ) to strong arm, harass, and bully me declining my efforts to resolve Mortgage. Most recently Ocwen has hired XXXX XXXX XXXX XXXX to respond to my claims by continuing to squash my supporting documents to my claims and perpetuate the Fraud on XXXX different Courts. I have provided an e-mail from ISD XXXX XXXX schools proving that this Mortgage could have been ( and still can be ) resolved immediately provided ISD XXXX XXXX XXXX is provided Guaranty of " clear title ''. Ocwen could and should provide that Guarantee of " clear title '' return me to my home and compensate me for this ongoing In-Justice RespectfullyXXXX XXXX
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| 03/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XXXX of XXXX, I applied for the NC Home Assistance Fund ( NCHAF ) and was awarded aid. On XX/XX/XXXX, I received the award letter disclosing the payments that were to be made, which included reinstatement for {$6100.00} and three monthly payments of {$1100.00} ( paid monthly ). PHH Mortgage Company ( XXXX ) confirmed with XXXX the amounts and agreed upon those amounts on that previously mentioned date. In good faith that the mortgage company wanted to work with me to bring my mortgage current, I signed the NCHAF Award letter, and payments by the state were made on XX/XX/XXXX ( {$6100.00} ), XX/XX/XXXX ( {$1100.00} ), XX/XX/XXXX ( {$1100.00} ), and XX/XX/XXXX ( {$1100.00} ). The amounts were confirmed by ACH numbers. As of XX/XX/XXXX, PHH Mortgage maintains that the amounts that were sent are not sufficient, and have been sent back to the state of North Carolina. The NCHAF has no record of this. I have requested PHH to communicate with NCHAF in order to rectify this matter, but they maintain that it is the NCHAF that must communicate with them instead. I have contacted PHH repeatedly by phone and email ( Phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Email : XX/XX/XXXX, XX/XX/XXXX ) to no avail. Meanwhile, my credit report is continuing to worsen, and they are harming my credit, causing direct damage to my credit status. I can not currently pay my mortgage, because they will not accept payments in order to stop falling behind. They are harming my financial progress and are unwilling to research the problems and issues on their part to investigate why they will not honor the contract/information sent and verified by the state of North Carolina XXXX They will not allow me to bring my mortgage up to date due to a lack of progress on their part. They do not offer explanations as to why they can not communicate with NCHAF in order to clarify why they will not apply payments made to my mortgage account. They are causing severe harm to my credit and are blocking my progress to keep my home.
|
| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX I was laid off by XXXX XXXX Mortgage as a mortgage underwriter. I contacted PHH Mortgage ( my mortgage holder ) on XX/XX/XXXX and began the process for a loan Forbearance which is my right. I uploaded all required documents on XX/XX/XXXX except for proof of my income from unemployment. This was delayed as I had just been laid off. I then uploaded the final required proof of income on XXXX. I contacted PHH multiple times and logged on to their system almost daily to follow what is needed. I was then told they cancelled my application due to its incompleteness. This was their error as the final unemployment document was uploaded on XXXX. After several phone calls and e-mails they re-activated the application and sent notice of that on XX/XX/XXXX. It is XX/XX/XXXX and I am still waiting. I received a letter today ( only after I sent further correspondence requesting a status ) that states " The application is currently complete as of XX/XX/XXXX, and we do not require any additional documents at this time to evaluate the request for help. ". On attached correspondences it states " We will review the account for all possible mortgage assistance options. Under applicable law we are required to complete our review within 30 calendar days from the date we determined the package was complete.. '' - It is WELL over 30 days. Each and every verbal contact made has ended in my extreme frustration. The contact for XXXX is NOT the same company that underwrites, receives or reviews ANY of the documents uploaded so they have NO information but they continually ask for money and frustrate me beyond belief. I make them confirm the phone calls are recorded so that in the event I need to seek legal action they will show just how infuriating it was to deal with the contact people. They admittedly could never answer a single one of my questions and would not provide me with an underwriting contact. They are EXCELLENT at apologizing and telling you they will escalate. Nothing ever happens. I would love for the all the recordings to be reviewed. I have receipts of all uploads, e-mails and phone calls.
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| 03/08/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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I obtained a second loan for {$50000.00} on my property at XXXX XXXX XXXX, XXXX, California XX/XX/XXXX from XXXX XXXX XXXX. The length of the loan was for 120 months. I have attached a copy of that document. At some point the loan was sold to Ocwen Loan Servicing. I continued to make payments and was never late. In XXXX of this year, XXXX, I asked for Ocwen for a payoff quote for the loan. On my statements it showed a principal balance of {$410000.00}. I received a payoff quote of {$8700.00} cents. I asked why was the payoff amount was so different from the balance it showed me owning and I was told that when Ocwen took over the loan from XXXX XXXX, XXXX XXXX had failed to calculate the correct monthly payments so I owed the difference. I wired the payoff amount of {$8700.00} to Ocwen, on XX/XX/XXXX. ( see attached copy of the wire transfer ). I received a letter from Ocwen XX/XX/XXXX, ( see attached ) stating the loan was not paid in full because of the before mentioned issue with XXXX XXXX and actually I owed an additional amount of {$7100.00}.
I don't understand how this is possible to go from a balance of {$4100.00} to owning over {$17000.00}. I never received a statement from Ocwen stating I owed this amount until I paid off the loan. I made a good faith payment of the payoff quote I received in XXXX. Please investigate Ocwen. I had asked for a explanation of these additional charges and was verbally told someone would get back to me. As of today, I have not heard from Ocwen.
I have attached copies of my XX/XX/XXXX statement showing a avg daily balance of a little over {$4000.00}. My XX/XX/XXXX statement showed the same avg daily balance. Now XX/XX/XXXX latest statement is showing an average daily balance of {$10000.00}! That has to be an error, when Ocwen is now saying I owe {$7100.00}.
They also appear to have changed and falsified the payment history which is different from the account history I had seen when I was making monthly payments. There was NEVER a balance of over {$17000.00} showing in XXXX. This balance was never reflected on my credit report or on any other documents.
|
| 08/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
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Web |
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My husband purchased a home in XXXX. Here the story his orginal loan was with Homecomings Bank his account was always never had one problem with this lender. Orginal loan was for {$15000.00} on a tiny house XXXX a month this included the insurance as well as taxes.The taxes on this house are only XXXX a year it the location its in. So to pay off early he was making and always has made payments of XXXX or more a month.XX/XX/XXXX it was brought to his attention when he received his monthly statement that it had changed to Gmac Bank. from the get go we would have to call in constantly because payments where being applied wrongly etc ... Then in XX/XX/XXXX a new company OCWEN takes over and it has been a nightmare ever since thats he has contacted you. They told him he had a ballon loan he did not and even so if he did the fricking house would be paid off there no way the most he could maybe owe would be XXXX if even that. When he contacted you they sent out papers but the papers they sent where there break down from XX/XX/XXXX and how they would apply it. It 's not the documents from Homecomings its just insane how much money we have paid on this place and they say basically he still owes {$12000.00} and that they are now going to foreclose. thats ruffly {$3100.00} and XXXX going to taxes then insurance for a house {$360.00}. This house is in the hills its XXXX bedroom very small and then off course you have interest which they send us every year a report and its XXXX. So taxes, insurance and interest {$1300.00}. XXXX - XXXX = {$1700.00} a year should go towards loan give or take and in 15 years that {$26000.00}. And this house he still owes {$12000.00} are they nuts he has had same bank account from XX/XX/XXXX they have every single check they ever paid them from day one and to round it comes too {$45000.00}. There no communicating with these people its they are write and no one else .... I have read numerous sitituation on line and spoke to other people invovled with this company. This is insane completely insane .... How getting away with this XX/XX/XXXX ... Someone has to do something ....
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| 01/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Since the start of the loan our payments have been all over the map. Some {$650.00} and some {$1300.00}. The final truth in lending presented that helped make the decision to get the loan offered a set amount finance charges being broke into a set number of payments each for specific dollar amount. 24 payments of XXXX. 335 payments of XXXX and 1 payment of XXXX. It was not marked as being an adjustable interest rate. This was a refinance loan. The lender paid a total of {$80000.00} which included the closing cost and broker fee of XXXX. The first statement we received in the mail said balance of {$95000.00}!!!! And it came 21 days after closing so we could not cancel the transaction.. The copy we have it is not marked adjustable. We have our taxes and insurance being paid from an escrow account controlled by the servicer which is included in our payments every month. We received a notice saying they had audited our escrow account and it had a shortage even though they determined how much was needed monthly. None the less we made the higher payments as requested to cover the shortage. Our insurance was XXXX anually and taxes XXXX anually. So when after paying XXXX monthly for a year and being told again there was a shortage which would require over XXXX to be placed in escrow resulting in $ XXXX balance in escrow account .and being told that what was supposed to be 5.5 interest rate now being 9.65 % our payments skyrocketed. Repeatedly i asked how there was a shortage. Never given an explanation which made sense. And when asked why our interest rate changed they said thats what we signed in agreement to. This has been a nightmare.The abuse we have suffered at the hands of various servicers is unbearable. PHH being the most recent. After ocwen ran us into the ground one final time by randomly charging XXXX for title search on top of our payment then phh took over. We are at their mercy. Companies involved are XXXX XXXX ( broker ) Option One ( lender ) XXXX XXXX XXXX ( trustee even though it was not a trust deed and there was no trustee named ) XXXX XXXX XXXX XXXX, Ocwen and PHH XXXX XXXX
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| 10/20/2018 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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Its hard to believe that after 19 long months fighting these masters of technicality, they are still causing me problems. You have on file some of the problems I presented many months ago but they never quit! They are corrupt and I have proof! Even to the point of the final signing with my ex-spouse, they fought. Signatures on XX/XX/2018 were initially rejected, after they were rejected a week before and forced us back before a notary. Yet, when I called no one could spot anything wrong with the signatures!! They insulted the integrity of the bank notary, myself and my former spouse. A XXXX, in their Ombudsman dept. did ask for a " Why '' on the second notary signing and it was overturned. One person in 19 months that actually helped me, ONE. Now, after all this, Ocwen received my XX/XX/XXXX payment on XX/XX/2018 and that's when they actually accepted the signatures. That's right! I was told by including XXXX my payment history would not be updated until the first week of XX/XX/XXXX. Lies. Now they tell me they are not going to update my payment history until the end of XX/XX/XXXX.!!!! Its a shame. Its hurting me, really bad. The new reduced payment amount of the mortgage is showing at the credit bureau, that is {$1100.00} but I am still showing 120 days PAST DUE!!!! IT isn't fair. They are constantly on a witch hunt, a fishing expedition and change the rules just anytime, whenever, wherever .I cant begin to express the humiliation, daily pressure, the ungodly days and nights I've spent with this, and again, had I known just how wicked they were, and that they were facing a cease and desist order I would not have fell into their mod trap. I expect them to correct my payment history at the credit bureau immediately to show current and paid to XX/XX/2018 Ocwen also needs to immediately stop sending my former spouse 's mail to my address. They apologized for this a year ago but started right back months later. She was patient and cooperative during the signing process and I am thankful and wish her sincere blessings. I am paid to XX/XX/2018!!
Thank you CFPB XXXX XXXX XXXX XXXX XXXX. # XXXX
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| 05/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2020, I contacted PHH Mortgage to ask why the check I had mailed in on XX/XX/2020 had not been cashed yet. A payment of {$520.00} was mailed in along with remaining assumption documents. PHH had mailed out a letter dated XX/XX/2020 requesting four ( 4 ) documents : signed and notarized assumption agreements recorded quit claim deed copy homeowner 's insurance 2 recent paystubs As well as a check for the remaining balance of {$520.00}.
Documents were returned in the pre-paid envelope on XX/XX/2020. On XX/XX/2020 I was notified that the assumption had been approved. Subsequent phone calls confirmed I was the only account holder yet my most recent statement showed the balance for the loan assumption. I immediately called PHH and asked why the payment had not been processed. I gave the check number ; they verified that it had not been cashed yet and stated they would be starting an investigation of where the check was. I was advised to wait a week before calling back.
I called today and was told that I needed to send a picture of the check. I again had to explain that I did not have the check, nor had it been cashed ... I was looking into where the check was, as the paperwork that accompanied the check had been processed, which meant the check had also been received. I asked why I was not notified of their request ( for a copy that I don't have ). I again asked for an investigation of where this check was, as it was with the paperwork that had already been approved.
PHH has consistently shown me that they do not follow through with communication. When first applying for an assumption, I called for an unrelated issue six weeks later and was informed that they were requesting additional documents ... the note had been in their system five weeks prior and I was never notified, it was confirmed that a letter had never been sent to me, although this is standard procedure. It was not until I was referred to an escalation specialist that any investigation was done into my application.
I have again been referred to an escalation specialist because no one can tell me where the check is.
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| 03/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Continuation of XXXX In the forensic report the MERS : is yes at this time the status was changed after the report.
Thank you very much for your very rapid and expedient response. Although you have answered all of my concerns in the previous letter, I am still not satisfied with the response being that PHH Mortgage can hold my {$55.00} ( which was a claim check from the hurricane damage to the property ) and claim that it belongs to them under Paragraph 5 which states because property was purchased through foreclosure. I did a forensic audit report on the property on XXXX of XXXX and it stated that XXXX XXXX , XXXX, Lender was a California Corporation was not a licensed corporation. It states, and I will attach a copy for you to review as well : The end result would be that the mortgage file, or any part thereof ( mortgage or security interest ), would not have legally been transferred to the trust to allow the trust to be considered a holder of your mortgage entitled to bring the foreclosure action, as they would not be a proper party before the court. You can read this information along with the rest of the report. This particular quote is on page 7. My question to you is, how is it possible for the mortgage company to acquire my property if the original agreement was obtained fraudulently according to the findings described in the attachment?
All I am trying to do is keep my property and your company insist on fighting unnecessarily. This house has been in my possession for 30 years, and my familys possession since XXXX. I have described to you how much I would pay for the purchase of my property and that included the {$55.00} ( which was a claim check from the hurricane damage to the property ) which I believe to rightfully belong to me, bringing the amount again to {$210.00}. This offer was denied, that being stated again how can an illegal mortgage company sell something legal under illegal pretense?
Please see : Transcript Of Federal Judicial Act, of 1789 Chapter XX, Section 11 and PSA pages 53 and 116 I look forward to hearing from you very soon and please see attachment.
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| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To whom it may concern, I would like to file a complaint with PHH Mortgage in a matter concerning the removal of my mortgage insurance removed.
I first contacted PHH by phone around XXXX XXXX to find out how I can request an appraisal on my primary residence to document I have sufficient equity with an LTV of equal to or less than 80 %. This home was purchased in XX/XX/XXXX. I was told that a letter would be sent to my residence by mail and I can expect to receive it within 5-10 business days.
After receiving the letter, I contacted PHH again to clarify if the same type of appraisal would be required if I was documenting I made sufficient improvements to increase the value of the home since the purchase date or what the home is worth in the current market having been seasoned at least two years. I was told that the same appraisal type would be used for both and their seasoning requirement was based on the date of the first mortgage payment.
I sent a check to PHH in the amount of {$150.00} for the cost of the appraisal. It was cashed on XXXX and I have yet to have an appraisal scheduled. I am now writing this letter on XXXX after multiple phone calls with PHH on XXXX, XXXX, XXXX and XXXX. Each time I am told that my matter is being escalated to the proper people and I am also not provided a definite reason as to why it can not be scheduled.
I finally informed them that I would be placing a complaint with the FCPB if I did not have an appraisal scheduled by XXXX. I have had no further contact since then. I relayed my concerns to the agent that I feel PHH may be waiting out the current market with interest rates rising in an attempt to impact the value of my appraisal.
Per the letter I received from them, I can expect to wait an additional 15-20 business days for them to review the appraisal after it is completed. ( This letter is attached with the complaint ). I am now 26 business days after my check was cashed without an appraisal scheduled and can expect to wait at least another 15-20 after the appraisal is performed.
Please let me know if you can be of any help in this matter.
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| 03/27/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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By statement dated XX/XX/XXXX, PHH Mortgage Services ( " PHH '' ) together with XXXX XXXX ( " XXXX '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by XXXX XXXX pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : XXXX on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. By statement dated XX/XX/XXXX, PHH and XXXX are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : XXXX ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. Despite my repeated notices forwarded to PHH and XXXX over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by PHH, XXXX, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. The actions by PHH, XXXX, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.
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| 12/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen responded to a complaint with the CFPB with errors of information. They stated that documentst are located in XXXX count records and they have mail me copies of the signed modification for XX/XX/2014 and XX/XX/2018. Ocwen stated they own the loan and the title of transfers are located in XXXX County and they have sent them to me. I have not received the documentation.
I have asked OCWEN to provide the Lender on the home being they can not foreclose until they do. The Lenders they provied one was seized by the Federal Government XXXX XXXX The other Lender they provided is no longer in business XXXX and they sold the loan.
I asking for all documentation to be sent to the CFPB as an attachment before OCWEN can move to foreclose on XX/XX/XXXX or XX/XX/XXXX 1 ) title of transfers from the orgination of the loan I show many possible times this loan has been sold without a chain of title. They own the loan they need to show every title up til OCWEN purchased the home 2 ) I am asking for the them to send to the CFPB the modification documentation showing we have an agreement where I reviewed the documentation of a new modificaiton contract with my signature. I am requesting XX/XX/XXXX signed documentation. I am requesting XX/XX/XXXX signed documentation of agreement. I agreed to the modificaiton.
3 ) Once again OCWEN is a debt collector trying to collect from an old debt that is pass the statuse of limitation. I am asking to OCWEN to show an active lender who has this loan. A trust is not an active lender. XXXX XXXX is not in my orginal documents and can not have the trust for the loan, As XXXX XXXX was and is still the trustee for the LOAN. I understand transfer of assignments, but not transfers of TRUST. Explain how a trust closes and then reopen and is assgined without my approval or signature being I had to approve it from the start once a trust is closed it is closed.
4 ) PLEASE provide the FDIC agent/department who assigned the Loan to OCWEN. The transfer of assignments happen in XX/XX/2015 9 plus years after XXXX an a transfer must be done within 30-60 days. Please explain?
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| 10/04/2018 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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In XXXX I opted into a biweekly payment plan with Ocwen, and made my payments under the belief that I was paying down my mortgage with a thirteenth payment. In XX/XX/XXXX I made a payment at the beginning of the month, and I was in a automatic debit program with Ocwen. After the first payment in XXXX I noticed none of my payments were being withdrawn from my account and contacted Ocwen on XXXX XX/XX/XXXX to enquire why my payments were not being debited. Upon speaking to the representative he stated that the automatic debit system was down and stated that I could not make a payment until XX/XX/XXXX. In XXXX I made a mortgage payment and waited for Ocwen to request the back mortgage owed, I was afraid if I made the two payments they would just go to principle and I would still owe the 2 back payments. Around Spring of XXXX I received a call from Ocwen where the female representative stated that I qualified for help from a Maryland Agreement, and I was afraid they were foreclosing from my missing two payments, but after discussing reducing my principle the representative stated " Oh this is a VA mortgage, you don't qualify '' then she hung up. In the Fall of XXXX I received a letter asking me to opt into a review of my accounts with Ocwen, and I agreed hoping whatever happened in XXXX thru XXXX of XXXX would be revealed and I could find out what happened, I was afraid at this point they had just extended my mortgage 2 months. I recently called them after a year had passed and I never heard what happened to my mortgage review and now I know what they did, they cut off the automatic debit on XXXX XX/XX/XXXX and used my two years of biweekly payments to cover the two months the system was supposedly down so that I could accrue extra interest for those two years, and when I asked them why offer the biweekly payment plan if they weren't going to credit it to the account the representative said it was there so I could pay ahead on my mortgage ... .that is not how the product was sold to me. So to sum it up, they cut off debit, lied to me just to steal two years of principal off my account.
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| 10/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit.
What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint.
What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. XXXX
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| 08/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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This complaint is long overdue. I lost a home to foreclosure with Ocwen Mortgage Services. Home was purchased in XXXX using a VA loan benefit. Ocwen acquired the loan shortly after. In XXXX I suffered a work-related injury that had me off work for over 5 months, the majority of which was unpaid. Ocwen would not work with through this time. They would refer me to assistance programs and every time I sent the aid packages ( by mail and fax ) they would claim to never receive them and send me another package to fill out. Every financial aid request was dealt with in similar manner. This happened on at least 5 occasions. Ocwen would not negotiate any restructuring of payments, refused partial payments, failed to honor XXXX gap protections that were part of my original mortgage loan, and after 3 missed payments they blocked me from online payment access, phone payment access, and wouldn't cash checks sent by mail. When I would try to call Ocwen reps would tell me I had to pay the full delinquent amount to be able to re-establish payment. I was not able to do that as I had only received 45 days of worker 's compensation from my employer at 80 % of base pay. I believe Ocwen acted in disregard of consumer protections and failed to consider or respond to financial aid benefits that were supposed to be available to borrowers during that time. They acted with callous disregard for my hardship, failed to honor XXXX protections that were present in the original loan, and refused to work with me on partial payments or any type of restructuring of the loan. Is there any recourse against Ocwen or their parent company? Have there been any class action settlements that I may have missed because I was basically transient after losing the home and had no firm address as a point of contact to receive information of this kind? This foreclosure also caused me the loss of my VA home loan benefit in the amount of {$39000.00} that I have never been able to repay. It seems obvious that Ocwen acted in a manner to intentionally force foreclosure despite all my efforts to try to work with them on a solution.
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| 02/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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On XX/XX/XXXX I received a letter from my insurance stating my homeowners insurance has not been paid and it was escrowed by Ocwen. After lots of time on the phone and help from my insurance company, it was overnighted and paid. XX/XX/XXXX I received a check for {$590.00} from the escrow dept stating our escrow account was overfunded and this set it right. XX/XX/XXXX I got a letter from Ocwen 's escrow department stating I owed them over {$600.00} to make the escrow account balanced and included a schedule of increased payments to catch up the account. After much time on the phone with a customer service rep and later the supervisor, I decided to cancel the escrow account and per their instructions wrote a letter that was signed by my wife and myself stating all the supervisor requested plus a check for {$51.00} that would bring the account to XXXX and allow the cancellation. I was told they needed 10 days in order to make this happen and mailed the letter with the check on XX/XX/XXXX. I was told the adjustment to the auto draft would be automatically made and the XX/XX/XXXX draft would not include the escrow amount. However, it did and further I received a monthly bill on XX/XX/XXXX stating an amount of the payment for XX/XX/XXXX which still included the escrow amount. Checking my account, I found they had taken the escrow amount, which should have been cancelled ( we have the cancelled check that was inside the letter ) with the XX/XX/XXXX payment and clearly they had not cancelled the escrow payments. I called customer service on XX/XX/XXXX and spoke to an escalation Supervisor who stated he needed 3 - 5 days to look into it. I firmly but respectfully expressed my dissatisfaction with his company and I am now awaiting response. This blatant incompetence on the part of Ocwen is irresponsible and I regret having them escrow my property taxes and insurance which I will pay myself once they figure out how to cancel the escrow and pay me back what they took in an unauthorized way. Please warn others about having an escrow account with Ocwen who clearly ca n't manage those accounts.
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| 11/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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OCWEN is our mortgage loan servicer, but has refused to provide the opportunity for our mortgage loan to be reviewed for retention options. Instead, they have been pushing for a foreclosure sale that is schedule for XX/XX/2018. We reached out to OCWEN six month ago when we were only three months behind on our payments, but their representatives and process is not providing us the assistance that we should have received. They claim that they can not change the terms of the loan to make it affordable, but we are making plenty of money and can afford our mortgage payment. We do not feel that we have a real single point of since it is impossible to get a hold of her. We can not understand their representatives when we call in, are tired of fighting them and would rather work with them, but this has proven to be impossible. We have been given the runaround for six months as they have consistently denied us access to mortgage assistance options. Never have the offered us a foreberance, payment plan or a modification over the last six months. They only say for us to pay the entire past due amount, plus attorney fees, or get out of our home. From the start, this was a bad mortgage as we were put into an interest only loan when we purchase our home. Then, when we refinanced, our situation only got worse, as the refinanced loan put us on the cusp of affordability. When we had a detrimental financial event, we fell behind on our mortgage. Our hardship began last year when my wife and I both lost our jobs and then we had family members who fell ill. We quickly got back on our feet and tried to work with OCWEN , but they have denied us twice and never sent us denial letters. We had to find out over the phone and feel they are being deceptive. Their lack of cooperation is at the very least unethical, but maybe illegal, as they should be willing to help homeowners. I see that they fined over {$2.00} billion by our government, but we question if that made a dent in their behavior, as they seem uninterested in helping us. We have been treated unfairly by OCWEN and need help dealing with them.
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| 03/23/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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Sometime in XX/XX/XXXX, my wife and I went into mortgage forbearance under the Cares Act of 2020. Our Mortgage Company, XXXX XXXXXX/XX/XXXX automatically granted us 3 months of forbearance. We extended it by another 3 months before XX/XX/XXXX and were scheduled to end our forbearance at the end of XX/XX/XXXX.
Sometime in XXXX, I called my mortgage servicer, Phh Mortgage Services, to see the steps I needed to take to transition smoothly from a mortgage forbearance back into a regular mortgage and was told we would be put through a loan modification process that would involve 3 trial payments of {$2100.00} each for three months starting XX/XX/XXXX.
We made all payments on time and in full with no problems but now we have a few issues with PHH Mortgage Services that they seem unable or unwilling to resolve.
1. Sometime between XXXX and XX/XX/XXXX PHH Mortgage Sevices reported our mortgage loan account as being in default to credit reporting agencies. This affected the credit scores of both my wife and myself in a big way.
2. The modified loan term that was sent to us increases our principal from its original amount by adding accrued interest over the period we were in forbearance. Escrow fees were also added. This increases our loan balance from {$360000.00} to {$360000.00}.
3. Our interest rate was increased under the new terms from 3.125 % to 3.25 % 4. It is indicated in the terms that after we sign, there will be more fees, costs, or corporate advances that will be added to our loan.
5. We have till XX/XX/XXXX to agree to these new and completely illegal terms under the Cares Act of 2020, or else we will not be able to get a loan modification.
Basically, The terms from PHH Mortgage Services take my mortgage from a balance of {$360000.00}, an interest rate of 3.125 % with 29 years worth of payments left to a balance of {$360000.00}, an interest rate of 3.25 % with 30 years left to go. All payments made previously have been completely wiped out. With severely damaged credit done by PHH Mortgage Services so I am not even able to get better terms from someone else.
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| 09/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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THIS IS THE SECOND COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and XXXX to make PHH adhere. PHH can not arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH
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| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc.
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.
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| 01/24/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We requested Ocwen to provide documentation to show that Ocwen has the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX, Tx XXXX. All of the documentation provided by Ocwen shows that Ocwen is the servicer for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen has failed to provide any evidence that they have the standing and authority to enforce a servicing agreement for our property address, XXXX XXXX XXXX, XXXX, Tx XXXX.
Ocwen states that the loan origination for the loan they are servicing was on XXXX XXXX, XXXX for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Our loan was originated on XXXX XXXX, XXXX. Ocwen has failed to show that they are authorized to collect the debt and to administer any resulting foreclosure of the property address XXXX XXXX XXXX, XXXX, Tx XXXX.
We would like Ocwen to provide documentation to show that they have the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX Tx XXXX.
As Ocwen states the property address they have on file for us, which is XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, does not match our primary address which we occupy, which is XXXX XXXX XXXX, XXXX, Tx XXXX.
According to Ocwen, there is no single investor of our loan. Our loan is supposedly XXXX of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.
We would like for Ocwen to file a Deed of Reconveyance, release any and all liens on our Real Property in the land records office in XXXX XXXX with the legal description Lt XXXX XXXX XXXX Sec XXXX and Satisfaction of Mortgage on our mortgage because Ocwen does not have an enforceable note or mortgage with XXXX and XXXX XXXX because we do not and have not ever lived at XXXX XXXX, TX XXXX, which is the property address listed in Ocwen 's records.
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| 07/25/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX ( " XXXX XXXX '' ) in conspiracy with XXXX XXXX XXXX " XXXX '' ), PHH Mortgage Corporation dba PHH Mortgage Services ( " PHH '' ), XXXX XXXX XXXX ( " Attorneys XXXX '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ).
Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', XXXX XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and PHH submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343.
Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ 21k in payments with approximately $ 16k being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''.
In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
|
| 05/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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This complaint is in regards to the offer of a trial modification. Payments of {$1300.00} for 3 months starting XX/XX/XXXX through XX/XX/XXXX. I can not afford to pay this. On XX/XX/XXXX, I spoke with XXXX of the Relationship Manager Department. ID XXXX. The payment of {$1300.00} is unreasonable. I need a payment between the 25 % - 31 % range of {$750.00} to {$800.00} per month. This Streamline Modification does not work for me. XXXX XXXX XXXX, Relationship Manager called me on XX/XX/XXXX regarding the Modification Agreement. XXXX XXXX stated that the Interest Rate would remain the same at 4.125 %. The arrears would be put on the end of the loan, and there would be a balloon payment at the end. I explained to XXXX XXXX, that I could not afford this payment. XXXX XXXX also proposed a Down Payment of {$2600.00} then payments of {$1800.00} per month for 12 months to repay the arrears. This is totally unreasonable. I can not afford this Repayment Plan as proposed by Ocwen/XXXX XXXXXXXX XXXX. I spoke with XXXX XXXX of NACA, who is an advocate on my behalf with Ocwen. XXXX XXXX did not appear to see my stress with these proposals which were made by Ocwen and Representative XXXX XXXX. XXXX XXXXXXXX, Supervisor at NACA will visit with Ocwen on XX/XX/XXXX and will present my proposal to Ocwen. XXXX XXXXXXXX did not give advice that is helpful to me as my advocate. XXXX XXXX said she would call me after she speaks with Ocwen on my behalf. I need help from CFPB to assist me to keep my home, and assist me in getting a good interest fixed rate or leave the interest rate the same and lower the principle, and reduce my payments for the duration of the loan to {$750.00} per month Fixed. I have requested the name and address of the Investor/Investors who hold the loan, and have been denied this information. I am updating this request as of today 's date. Please send me the Investor/Investors address, name, telephone number who holds the mortgage for the captioned property. This is my second complaint filed against Ocwen Loan Servicing, LLC and the Investor/Investors who hold the mortgage.
|
| 11/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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I have been trying to modify my loan via HAMP with Ocwen since last year and they kept giving me the run around to finally tell me that they will not process my modification after they sent me a letter stating that they would do so. I have spent countless time on the phone explaining this to different relationship managers. Every time I spoke to someone I would get a different answer or different instructions on what to do next. They sent me payment vouchers which was incorrect during the trial period which they addmitted to doing. They asked that I send in the shortage and 1 additional months payment ( for a total of 4 months under the HAMP ) and then they would process my final modification. After I did everything they asked me to do and met the requirements they still would not process the final modification. I have tried my best and I am tired of fighting with them. No one seems ever have a clue as to whats going on when you contact them for help or assistance. I have a secure letter that was sent to me by Owcen that states for me to make they payment difference and they would process my final HAMP which I will attach to this complaint. I will also be attaching the letter i recently recieved from Ocwen stating that they denied me for non payment which is incorrect, they did recieve my money per the letter dated XXXX/XXXX/2015. I called in and was once told by a relationship manager to reapply for the HAMP to get it processed but they denied it and sent me a Shared Appreciation Modification which I was uncomfortable with signing and sending back because the value of the home seemed to be inflated per their apprasial and there were some other things I was n't comfortable with. Again I told them i was n't comfortable with that and did not want it. I get a letter in the mail saying we denied you for the Shared Appreciation Modification because you failed to make the payments of which I never singed and returned the package to them agreeing to any of it. I have tried to explain to the best of my ability and will attach some supporting documentation to explain my complaint.
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| 08/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Director of Ocwen Department of the Consumer Ombudsman XXXX XXXX Dear Mr. XXXX : On XX/XX/2018, I and a representative of Senator XXXX ( XXXX XXXX ) conferred with you about a serious problem we were having with the modification process of our mortgage. At that time you indicated that you would take care of the situation and would work with me in order to resolve the problems with the modification process of my mortgage. After that conference, I sent a new modification application to you as requested and awaited your response.
Throughout this period I have been prepared to do whatever is necessary to resolve the situation with the modification -- which really should not be so difficult and is most certainly viable and possible. Unfortunately I received no further communication from you, but have instead just received yet again another letter informing me that you are attempting to sell my home, now on XX/XX/2018.
We are shocked and very angry that your company would engage in such severely irresponsible behavior. We had an agreement to, in the very least, make an attempt to work out the situation -- which can be worked out.
The extraordinary act of attempting to sell a familys home without any legitimate legal basis is a life and death situation for some Americans. This profoundly unethical behavior is an abuse of a severely dysfunctional and corrupt legal system in an attempt to do your part in the overall agenda to literally usurp the property of humanity itself. This situation must stop now!
Please cancel the foreclosure sale scheduled for XX/XX/2018 and communicate with me about this situation. As I have indicated in the past I am certainly willing to work with you to resolve this situation and to avoid what would be a completely inappropriate, illegal, and unconscionable outcome.
Completely failing to address the situation and allowing such a gross abuse of the rights of others is an absolutely unacceptable way to proceed.
Sincerely, XXXX XXXX XXXX XXXX CC : Senator XXXX XXXX XXXX XXXX XXXX
|
| 06/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
|
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i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for.
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent.
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules.
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied.
crazy thing is they are doing all this with tasx payer .
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| 06/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
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Immediately prior to COVID, we were working with PHH Mortgage/Ocwen on a modification plan. We had fallen behind on payments as ( then ) Ocwen had told us to pay once we receive its statements but its statements were sent to a wrong address rather than the address of record. Modification was approved, but our relationship manager specifically instructed not to pay as she said there were internal irregularities with the loan paperwork. She said she was fixing the problem on an expedited basis ( w/I 3-5 days ) so we may proceed with the modification. 2 days later, they recorded a foreclosure notice against our family home. We have since fought them for a modification. Each time they approve one, and we meet all conditions, they find a way to put us back into a new modification trial period. Recently, after we made all trial payments on time, they refused to send us the modification paperwork to sign, then reversed the modification for not signing the paperwork they refused to send. After fighting them again, they started a new modification trial plan. We made our 1st payment on time, only to learn ( when we tried to make 2nd timely payment ) that they reversed the approval because their agent made an error in processing the 1st payment. We only learned of that when we contacted them to make the 2d payment. They never tried to contact us ( thru any means ) to verify the bank account info. Instead, they automatically placed the account into active foreclosure status. They are refusing to communicate with us or solve the problem. They are missing scheduled appointments. They are refusing to put a hold on the active foreclosure as we try to communicate and resolve the problem. Both my husband and I are elderly and are severely XXXX. This company continued to delay in order to force us to either pay the entire sum in full or lose the house in foreclosure. Please note that we have tendered payments all along ( since this problem started ) but they refuse to accept payments in order for the payments to add up to a point where we can not pay or lose the family home. Please help.
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| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Step 1 : What is this complaint about? XXXX XXXX once XXXX requested proof of insurance.
Step 2 : What type of problem are you having? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it receved proof of insurance. I want an explanation and an apology.
Step 3 : What happened? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it received proof of insurance.
Step 4 : What company is this complaint about? Threatening tone of communication to its customers and degrading tonality in XXXX written communication. Lack of awareness that the country is in a national emergency and apparent refusal to adapt processes and procedures like many other financial firms have done.
Step 5 : Who are the people involved? XXXX XXXX C/O PHH Mortage Services.
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| 02/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present.
If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme.
The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy
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| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
Older American |
|
My mortgage is with PHH/XXXX and because of covid I have been on a forbearance plan for well over a year ( XXXX XXXX XXXX and XXXX for supplemental retirement income and could n't drive because of covid ). For at least the last XXXX months PHHXXXX has asked me for documentation concerning my hardship. During this time it has been an exercise in frustration. I have talked to several of their agents. They have requested much documentation which I can understand but there is a lack of communication amongst their employees. I don't know if they're losing some docs or what. I have been asked XXXX for a mortgage assistance application ( sent XX/XX/2021 and XX/XX/2021 ) and have been asked XXXX for bank statements the last of which I have sent XX/XX/2021. I was asked to send a hardship letter which I sent XX/XX/2021. One agent will tell me one thing and another will tell me something else. On XX/XX/2021 I talked to XXXX ID # XXXX. He admitted that PHH/XXXX could be giving me wrong information. I then asked to speak to a supervisor and spoke with Classia ID # XXXX. He told me to just wait for a deferment. Then on XX/XX/2021 PHH/XXXX called and asked for XXXX years tax returns, and AGAIN XXXX most recent bank statements and a business profit and loss statement all of which I sent onXXXX. To add to all this PHH/XXXX sent a letter to my home insurance agency XXXX XXXX saying that my property/house is vacant. PHHXXXX had to send a letter of retraction to XXXX XXXX stating that they made an error ( sent XX/XX/2021 ). To me all this shows incomitance and lack of communication between PHH and XXXX mortgage. I have sent everything they have asked of me and still no resolve They are now telling me that I have to start the process all over again because it's been over a month and I didn't sign some docs ( they didn't inform me of this and in the letter they sent me there was no mention of missing signatures ). This will mean that for the third time I have to send all documentation AGAIN. Hoping you all can help me in this matter. P.S. - I have also filed a complaint with the XXXX.
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| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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this lady XXXX XXXX XXXX ; They are giving out fraudulent documents where I never gave them any paperwork. They are trying to follow the same process to foreclose on my home loan and I never spoken to this lady XXXX XXXX XXXX nor did she show up for the first appointment and I ended up speaking to an in placement case manager by the name who is XXXX XXXX who was very helpful and answered all my questions ask and was insightful I feel comfortable speaking to her. MS XXXX XXXX XXXX was late for the second appointment she call back but by that time I had to leave. It seems like a setup and they are a fraudulent company where this lady left a very squeaky message hard to understand as well understood and not good for me and to speak too. They Are seems to be doing the same thing as Ocwen mortgage did. After I sent them an email as requested to change my relationship manager they refused to. You can tell by the transfer that the investors never review the loans they bought them in bulk fraudulently. They did not check to qualify the loans for transfer.
I have been " impacted by the coronavirus covid 19 '' / pandemic-related financial hardship. Also, " NOTED '' it does not matter the status of the loan. current, delinquent or foreclosure status or to file bankruptcy XXXX! I ask for my loan to be place under the Protection of the " cares Act ''. I have included my letter sent to Phh Mortgage and the letter of response that they receive it on XX/XX/2021. For I spoke to a XXXX at XXXX mortgage and had a very lengthy conversation and he stated to me that he was going to send a email to the other department concerning my complaint and have someone reach out to me concerning my concerning my complaining to change relation manager and who ever is reading these emails seems like they are looking for certain customers to call and give them a series of excuses as not to help fix or change the status of certain loan for i find that very very rude by the constant rejection to whatever i ask for they just send out rapidly to me please fix this whole situation please. etc etc etc etc!
|
| 09/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX
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| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We are in default of our mortgage. OCWEN has mishandled most of the correspondence. I filed a Ch XXXX in XXXX to stop the foreclosure which was scheduled for XXXX XXXX XXXX . OWCEN via XXXX XXXX filed for relief and the judge granted it in XXXX . Since then the information that I receive from OCWEN is conf using & very often conflicts from what they had said in a prior phone call. Also, I received a letter on XXXX XXXX XXXX " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''. I received a call from OCWEN on XXXX XXXX - they said that there were liens on the property and asked me to get a pen to write them down. I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol. Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now question what email communications that I have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request. Mos t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m e on Monday, XXXX XXXX and left a voice mail. I called them back today, Wednesday, XXXX XXXX and my " relationship manager '', XXXX XXXX XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney. I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage. OCWEN has h ad me in the dark for months now.
|
| 02/15/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property
|
| 11/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX my wife an I have learned that she will be having a reduction in hours at work. I started to research my options by trying the following : -Refinance with another bank -Refinance with my existing back as they have been overwhelming me with offers.
When I when through the process of refinancing and had my credit pulled they offered me a rate that is not only over 3 points higher than the market rate but is 2 points higher than my rate. So i turned down their offer. Since then i have been trying to do a loan modification.
They sent me an application and i submitted all the documentation required. This started a long process that went in the following order - On XX/XX/XXXX I received a call stating that my application was complete just my name was not clear - Sent in revision that same day XXXX was received a letter stating they needed a hardship letter even though it was not required if i submitted a bank statement according to their application. I sent everything same day.
XXXX was sent another letter sating that they are missing my paystub and bank statement which i sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I submitted everything. I was told that they have everything they needed.
XXXX another letter stating missing paystub.
I called the bank and they said the file is not clear. Which is not possible. This document is a digital file that i have submitted in original digital format, scanned as PDF, faxed, converted to XXXX doc, XXXX, screenshot and have confirmed on multiple computers that it was clear. They keep asking for the same documents over and over to then say " thank you we received everything but unfortunately it expired, please send us updated documents.
I am trying to act in good faith and pay my mortgage on time but now i am forced to make decisions on whether or not i can provide the proper nutrition to my children or pay this mortgage, all while they are playing this document game.
I have attached some of the emails i sent to them with document to show that they are all clear. I would upload everthing but there is a 10 MB limit
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| 11/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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we recently refinanced our home with XXXX XXXX, they contacted Ocwen Loan Servicing for payoff amount and XXXX paid off the mortgage. there was an escrow balance of {$880.00} which Ocwen never returned to us. I contacted Ocwen by phone they stated that the escrow was kept to pay off fees that were not included in the payoff of the mortgage. I then emailed and asked for a detailed statement. I 'm not sure I understand one line of it? " As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. '' I read it as I wo n't be charged or assessed fees?
Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 Response You inquired about the balance of {$880.00} in the escrow account, which has been applied toward the fees.
We reviewed our records and it was determined that foreclosure fees in the amount of {$1500.00} were not included in the payoff quote. As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. Therefore, the funds in the amount of {$880.00} from the escrow account have been applied toward the fees and expenses.
Below is the description of Foreclosure fees assessed on the loan.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Description Amount -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Foreclosure Fee {$280.00} XX/XX/XXXX Foreclosure Fee {$520.00} XX/XX/XXXX Foreclosure Fee {$310.00} XX/XX/XXXX Foreclosure Fee {$100.00} XX/XX/XXXX Foreclosure Fee {$300.00} XX/XX/XXXX Foreclosure Cost {$42.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total {$1500.00} Less Paid/Waived {$690.00}
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| 04/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Hello CFPB, My name is XXXX XXXX and XXXX XXXX and this is my story/complaint. Late last year in XXXX XXXX XXXX I was offered a permanent loan modification for my mortgage with servicer being Ocwen loan servicing. They ( Ocwen ) failed to communicate with me that the permanent loan modification paperwork was missing a signature on one of the pages. I did not know that the permanent loan paperwork was missing signatures as I thought I had signed all necessary pages. I mailed the permanent loan modification on XXXX XXXX XXXX XXXX I NEVER received any type of communication from Ocwen that a signature was missing for over 2 months. Had I known, I would have signed and sent back immediately. In XXXX , I receive a letter that said I was denied the loan modification and the first payment was sent back to me. All Ocwen had to do was to give me a call or send me a letter stating the problem. I even spoke with a customer service representative and she clearly stated that there were no indication that a letter was mailed or a phone call was made to me to let me know that signature was missing. Not only am I behind on my mortgage now they are not willing to give me any type of loan modification after I had re-submitted for a loan modification. I understand that I failed to signed in the proper place, but the fact that Ocwen NEVER communicated either by phone or by to correct the simple error of not realizing that I had missed sign one of the pages. They had 2 month to communicate this and they did not. I believed they have to be hold accountable to not communicating of the mistake to take action and correct it. Now here I am facing foreclosure for something that could have been taken care of so easily. I have a conventional and now I have lost the opportunity to apply for HAMP. This has caused me great unnecessary stress in which now they are saying that my only option is either short sale or deed in luau. I can afford this property if they give me a loan mod. Your help in this matter is greatly appreciate it. Thank you for your help.
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| 03/31/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Ocwen Loan Servicing foreclosed on our home XX/XX/XXXX ( this was ratified by the courts the following month ). Since that date we have been working toward repairing our credit, in order to once again have the opportunity to participate in home ownership. We have put ourselves in a position to be pre-approved for a VA loan, but have been denied, because we are still the owner of record for the home they currently own ( XXXX ). We reached out ( by letter ) to their research department in XX/XX/XXXX and received a response dated XX/XX/XXXX. The response said they are looking into our problem and would get back to us within 30 days. We received a second letter dated XX/XX/XXXX, which confirmed what we told them and said that they are in the process of obtaining the deed. Once the deed is recorded they will send us a copy. We waited over two and a half months for resolution, before attempting to find out what progress has been made. We called them on XX/XX/XXXX and they had no answers, but asked us to call them back the following week. We called, once again on XX/XX/XXXX and this time they had an answer. They told us, there was an open water bill that they needed to take care of before they could move forward with the recordation. We were not happy with the " EXCUSE '' and asked to have this elevated. They gave us another number to call, which we called on XXXX/XXXX/XXXX. We explained the problem, once again and was told that they would take care of the problem and we should receive a call back by the end of the week or early the following week ( XX/XX/XXXX-XX/XX/XXXX ). We waited, did not hear anything, so we called them back on the XX/XX/XXXX and they said nothing has changed. They assured me that if they do n't have it resolved by the first of next week ( XX/XX/XXXX-XX/XX/XXXX ), it would be elevated to another level.
We are at our wits end! Please let us know, if there is anything further we can do to get this resolved. It appears, as if, they have no desire to resolve this issue. If you ask us, this should be illegal, if not criminal to hold folks hostage!!
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| 05/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello CFPB, I hope there is help on CFPB end to the continuing issue I XXXX XXXX, a Licenses Real Estate Agent for over 18-years, am having with the issues listed below : From Number XXXX XXXX ) There is NO language in the DOT or the Master HOA Covenants stating Insurance H06 is a requirement of the Borrower Therefore, this is not a Lender requirement period. Both XXXX XXXX and XXXX XXXX after reviewing the HOA Covenants agreed that NO H06 Insurance is required. Both two reputable Lending Companies. They did not miss anything it wasnt there. There were discussions about this during the underwriting phases in both cases.
2 ) PHH Mortgage has violated the Truth and Lending Laws after purchasing a mortgage from XXXX XXXX Closing Lender, and attempting to change the Lending requirement, of which, PHH acted on their own without proof this H06 Insurance policy is a lending requirement.
3 ) PHH Mortgage has violated sections of RESPA by force placing a H06 Insurance policy by their Insurance company providing them a fee or annual insurance premium of {$460.00} that is not required by the Borrower because the Master HOA Covenants states in Article XI INSURANCE AND CONDEMNATION 1. ( a ) state the unit condos are 100 % covered through the HOA monthly dues and fees etc.
4 ) Borrower after many attempts with PHH Mortgage to give PHH a better understanding of the HOA condo regime insurance policy, but they refused to cooperate and to this day still does so. This led to the Law Suit.
5 ) Borrower also submitted a claim with the CFPB Consumer Financial Protection Bureau Complaint Number XXXX due to the fact PHH Mortgage has delayed making the appropriate changes back to the original agreed Mortgage Note from XXXX XXXX. Borrower is going to Re-open the claim or a new claim against PHH Mortgage with CFPB whereas the Borrower is praying for Penalties and Fines against PHH Mortgage within the next 24 to 48hrs.
6 ) Borrower is seeking a minimum of {$50000.00} if this issue is not resolved in an educated business like and/or professional manor with one week of this notice.
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| 08/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I scheduled my XXXX mortgage payment on XXXX XXXX, 2015. The system then said that my next payment due was XXXX XXXX, 2015. I knew this was an error because I only scheduled XXXX payment for XXXX which would make the next payment due on XXXX XXXX, 2015. I informed Ocwen of this error and told them that I would stop payment on those XXXX errors and would reschedule another payment from my other checking account. I scheduled the payment from my other checking acct on XXXX/XXXX/2015 which cleared my bank on XXXX/XXXX/2015. Then, on XXXX/XXXX/2015 another mortgage payment debited my XXXX checking account which was unauthorized. I informed Ocwen there must be a glitch in their bill pay system because they were taking XXXX payments each time when only XXXX was scheduled. XXXX XXXX XXXX was able to retreive the extra payment from Ocwen that was made on XXXX/XXXX/2015. Ocwen is now saying that I have not paid for XXXX and had returned checks for XXXX after showing proof form the bank that they made extra unauthorized debits and proof that the XXXX XXXX payment I authorized posted and cleared. After XXXX letters, XXXX calls from the Bank and they will not fix my account. They even sent me a check in error and told me to deposit it then they would credit my account. Well, that check was no good from them and they charged me for it after they told me to deposit it on XXXX/XXXX/2015. Today is XXXX/XXXX/2015 and this error began on XXXX/XXXX/2015 and nothing has been done, even after contacting their ombudsman. My bank tried to talk to them but they would n't talk to them because the call was being recorded. I have never been late with my mortgage payments and I do n't appreciate being treated this way. Something is shady about Ocwen because all of a sudden my mortgage payments increased due to escrow which they are now taking $ XXXX yearly over the amounts of my property taxes and home owners insurance. Then, this fiasco with XXXX debits happened just two months later. Ocwen Loan Serving needs to be investigated. There us something REAL shady going on with this company.
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| 07/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.
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| 08/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.
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| 11/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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This is a follow-up into my previous complaint # : XXXX, filed with the Consumer Financial Protection Bureau against Ocwen Loan Servicing , LLC .
Ocwen Loan Servicing , LLC responded to it in its response dated XXXX/XXXX/2015. By all measures and explanations and details which Ocwen submitted, this response makes an absolute mockery to the American Financial Institution because it is contemptuous, filled with made up facts and wholly untruthful.
On XXXX/XXXX/2015, I downloaded a Pay Off quote from Ocwen 's Website and which was also subsequently mailed over to me, probably corresponding to their quote dated XXXX/XXXX/15 in that table which they submitted. This table also refers to XXXX other quotes dated XXXX/XXXX/15 and XXXX/XXXX/15 which perhaps reflect quotes which they would have submitted to XXXX XXXX XXXX, XXXX, and which they claim not to know anything about!
Ocwen states that on XXXX XXXX, 2015, it disbursed the sum of {$2900.00} for property taxes to XXXX County. In fact, on XXXX/XXXX/2015, I contacted the XXXX County Property Appraiser agency ( XXXX ) which infromed me that said property taxes were actually paid on XXXX/XXXX/2015, the day after my closing sale, and finally the Tax Collector 's office ( XXXX XXXX ) to which I was referred to, stated that the payment was actually made by XXXX XXXX. This absolutely refutes Ocwen 's assertion that it paid the taxes on XXXX XXXX, 2015.
Ocwen also states that Ocwen received funds to satisfy the loan in full on XXXX XXXX, 2015. Actually, it happened to have been on XXXX XXXX, 2015 that XXXX XXXX XXXX, XXXX wire transferred the sum of {$170000.00}, the loan Payoff amount to Ocwen. And yet, Ocwen goes on a tirade that it would never have been in contact with XXXX XXXX XXXX, XXXX!
In their Payoff Requirements And Conditions, Ocwen had written that the wire transfer at closing was to be made to Ocwen Loan Servicing , LLC, with Bank Address : XXXX XXXX XXXX. Is it that Ocwen Loan Servicing , LLC is an affiliate/subsidiary of XXXX?
For what reason did Ocwen feel obliged to totally misconstrue the facts?
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| 11/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XX/XX/2021, I submitted a complete loan modification application with XXXX c/o PHH Mortgage Services ( Ocwen ) and XXXX confirmed receipt thereof ( see attachments ). On XX/XX/2021, on a telephone call with Mr. XXXX XXXX ( my assigned single point of contact ) was told by Mr. XXXX that my loan modification application had been approved and loan modification paperwork requiring my signature would be mailed out within the next several days. As of XX/XX/2021, I have NOT received said promised loan modification paperwork and my home is set for a foreclosure sale date of XX/XX/2021. I am a CA homeowner who along with my family been impacted by COVID and I have been trying struggling with XXXX to complete my promised loan modification and keep my home. If the XX/XX/2021 foreclosure sale happens, my family and myself will be homeless. XXXX acts above the laws ( California Homeowner Bill of Rights, and Federal laws and mandates ) that protect me as a homeowner. During this entire loan modification process, I have had an ACTIVE foreclosure sale date hanging over my head. Large amounts of people have been at my home due to the XXXX foreclosure sale endangering my self ( I have underlying medical issues ) and my family ( below the age of vaccination ) health and possible lives. Dual tracking is clearly what XXXX is doing and has not been held accountable for it/s unlawful actions. Single Point of Contact - Mr XXXX ; I cant get a hold of him unless I make a 2 week in advance appointment with him. Further, Mr. XXXX speaks with a heavy accent which makes it very hard to communicate with him. XXXX keeps adding unauthorized fees and has placed forced insurance on my home all the while increasing my balance. XXXX has not offered my any information concerning avoiding foreclosure. I have continued to call XXXX requesting them for my approved loan modification paperwork and I get no response. My house is set for a foreclosure date of XX/XX/2021, during XXXX season - what company does that?
I want to keep my home, please send me my approved loan modification paperwork.
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| 11/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mother, who is legally XXXX, has granted me power of attorney which is why I am submitting this on her behalf.
My mother lost a portion of her income on XX/XX/XXXX when her previous employer ceased her XXXX pay. We applied for a loan modification through her current servicer at the time, Ocwen. All of the necessary documentation had been sent and during this time, her loan was sold to XXXX/PHH. Since that time, her loan has been an absolute disaster. How PHH is in business is beyond me. The modification was approved but her payment INCREASED. My mom made the decision to " just give up '' and accept their new modified terms. She was told by PHH that she will be on a trial-mod payment period and needs to make the prescribed 4 payments and she will then be reviewed for a permanent modification.
During that time, PHH has regularly misapplied funds and has constantly contacted my mom to make multiple payments during the month. The most recent and egregious occurring on XXXX. My mom made a regularly scheduled payment on XX/XX/XXXX ( when she receives her SS income ) and the payment was put into a " suspense account '' and not applied to the loan. On XXXX, her homeowner 's insurance payment was due and PHH unilaterally determined that they would release the funds from this suspense account and use it to pay the homeowner 's insurance, despite the fact that my mom has an escrow account, and has been calling her nonstop stating that she is due for her XXXX payment. There has been no escrow analysis done and my mom has not had the opportunity to determine how she wants a projected escrow shortage handled, whether it be through a one time payment to bring it current or spread out and added to her payment. Additionally, PHH is misapplying the funds which has the potential to jeopardize her eligibility for the final modification. In speaking with them, they are advising that they have the right to apply funds as they see fit. I can not imagine that is accurate and everytime we call, we get a new story. Desperate to get some assistance with this horrific company.
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| 01/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
Older American |
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This is concerning Ocwen Loan service, with my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first started with a HAMP back in XX/XX/XXXX with XXXX for the person that was renting the home did not get any place with that XXXX kept getting paper work and keeping the rent money where they wanted to foreclosure I file bankruptcy. So we kept trying they kept asking for paper work that I kept sending in. Later they sent it to Ocwen by that time the person who wanted the house moved so I got some one else we start pay ing and still trying to get the modification going not place. So those people moved the last people tried every thing still no progress they asked me to turn it into a lawyer then nothing happen they asked us to get a reality we did, the reality been working with a buyer for just about three years with Ocwen on a short sale. Every time we turn something in we always get something we can not please Ocwen my file is big the reality file is big we were suppose on the short sale on XXXX XXXX XXXX next thing we new they were running it min the paper about Foreclosure, the lawyer called they said they did not say foreclosure I had cut it out of the paper got XXXX of the nurses to fax it to the lawyer I still have that copy. They gave me until XX/XX/XXXX to re submit everything I sent in my RMA the reality stated that her person had sad he was tire of Ocwen he had changed Please I need help I tried everything his mind but on to day which is XXXX XXXX, XXXX he was going to try again if this do not work he will not do it any more. He was going to pay cash for the house. I have tried every thing where am I to go from here if you need anything I can get UPS to send it to you Thanks We will work on one at a time My home house XXXX XXXX XXXX XXXX XXXX some of the same this but a little differ So I got to have some place to stay until I can get everything together. Please help me I am sick tire. The foreclosure was suppose to be XXXX XXXX XXXX but the lawyer called after he got my paper that was in the newpaper. I did not get a Foreclosure letter from a lawyer.
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| 03/12/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
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In XX/XX/XXXX I had applied for a loan modification because I had fallen behind on my mortgage. I had contacted my mortgage company PHH and told then that I've fallen behind on my payments due to an injury that I sustained and needed XXXX. This process dragged on for several months until I was told that my case has been closed.
I had reapplied for the modification once again and the process is still pain staking. I've been asked to send in the same documents over and over again. The frustration has gotten even more once I've found out that one of the mortgage rep. lied to me and told me that I, had a completed modification package. This phone call had taken placed on XX/XX/XXXX at XXXX XXXX and lasted 27 minutes. The rep. told me several times " I am looking at your package and it's stamp complete so you have nothing to worry about. '' It wasn't until I've called back several days later to get an update that I was told that I did not have a completed package. If I would have known that I didn't have a complete package I would've made a payment. Now several days later I'm 90 days past due. To make matters worst It was confirmed on XX/XX/XXXX that I had a complete package. Today ( XX/XX/XXXX ) I've called again to check my status and was told that it's still under review and that can take up to 30 days. I was told that I would need to pay 90 days of payment now. I've asked the rep. that if my account is under review could I wait until the review is over. I was told I can depending if my house is not in foreclosure. It's my understanding that if the mortgage company have a complete modification package and the modification is under review, then the can not foreclose.
" No foreclosure can be instituted until 120 days have passed from the first delinquency. More importantly, if a complete loan modification application has been submitted to the the servicer by the 120 day point, no foreclosure can be begun. Reg. X 1024.41 " Can someone help it's been a nightmare dealing with this company. They quote is " We're here to help home owner '' I can not see that
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| 12/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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XXXX Department,I've called back both of those days and left messages for XXXX with no return call.Totally disagree with your assessment, haven't seen anything in writing that you said you were going to send me. Please email me the federal requirements that you speak about below.Also attached is my original Private Mortgage Insurance DisclosureUnder the paragraph Automatic Termination of PMI it states "if you are current on your loan payments (which I've never been late in 15 years), PMI will automatically terminate on the date the principal balance of you loan is scheduled to reach 78% if the original value of the property.78% of my principle balance on my loan is $XXXX (original price $XXXX x 78%=$XXXX). My principal of $XXXX on my loan was reached on XX/XX/XXXX!So according to my calculations my PMI should have ended on that day. So in calculating $XXXX for 29 months you need to reimburse me the amount of $XXXXI will also be contacting the Consumer Financial Protection Bureau.Respectfully,On behalf of PHH Mortgage Services (PHH), the Escalation Department would like to thank you for your recent inquiry. The Escalation Department was created to provide a resource to assist with unresolved concerns and issues.Thank you for bringing your private mortgage insurance (PMI) cancellation concerns to our attention.We welcome the opportunity to assist you. However, our attempts to contact you on XX/XX/XXXX and XX/XX/XXXX to personally discuss your case have been unsuccessful.We regret to inform you that the account is not eligible for auto termination of the private mortgage insurance (PMI) due to federal requirement. Should you have any further concerns, you may contact XXXX directly toll free at (XXXX) XXXX, select Option XXXX, Extension XXXX or email XXXX at XXXX. For general account questions you may visit XXXX. You may also contact Customer Care Center via telephone at (XXXX) XXXX during the following hours:Monday ? Friday XXXX XXXX ? XXXX XXXX ETSaturday XXXX XXXX ? XXXX XXXX ETXXXX C/O PHH Mortgage Services, LLCXXXX XXXX XXXXXXXX. XXXX, NJ XXXX
|
| 09/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
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My financial hardship started on XX/XX/2018. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.
We are requesting for PHH / Ocwen Financial Services to review our financial application using correct property value and income for a loan modification or a short sale and stop the unlawful foreclosure procedures. We reserve the right to take legal action against PHH / Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200.
|
| 11/20/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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XXXX XXXX XXXX XXXX, New York XXXX RE : APPEAL Loan Modification - ACCOUNT NUMBER XXXX SCAMMED THROUGH XXXX XXXX XXXX, HIRED BY OCWEN LOAN SERVICING To whom it may concern : I am writing to APPEAL and in regards to a loan modification that was offered to me on XX/XX/XXXX via XXXX XXXX XXXX, a company which YOU HIRED TO FORECLOSE ON ME AND TAKE MY HOME AWAY FROM ME.
Then on XX/XX/XXXX you send me a letter detailing the denial which states I have 30 days to appeal From the date of the XX/XX/XXXX letter. But you went ahead and started the foreclosure process already.
I did not accept this modification because you did not do YOUR part to come up with a successful loan modification. A SUCCESSFUL LOAN MODIFICATION TO ALLOW A HOME OWNER TO STAY IN THERE HOME and A LOAN MODIFICATION THE ADHERES TO THE LAW SUIT THAT WAS SETTLED BETWEEN OCWEN AND THE CONSUMER FINANCE PROTECTION BUREAU OVER THE SUMMER OF XX/XX/XXXX.
FIRST OFF, YOUR DENIAL FOR FUTURE MODIFICATION STATES THE ACCOUNT HOLDER WITHDREW HIS APPLICATION. I DID NOTHING OF THE SORT, I DID NOT WITHDRAW MY APPLICATION. XXXX XXXX XXXX A FIRM THAT YOU HIRED TO DO LOAN MODIFICATION REACHED OUT TO ME, I DID NOT REACH OUT TO THEM, GET THAT STRAIGHT.
SECONDLY THEY WHERE CONTACTING ME AT MY PLACE OF EMPLOYMENT WHICH IS AGAINST THE LAW. WHY WOULD YOU HIRE OR WORK WITH THIS XXXX XXXX COMPANY AS XXXX XXXX XXXX AND HARRASS HOME OWNERES AT THERE PLACE OF EMPLOYMENT.
I WAS XXXX XXXX SCAMMED BY OCWEN BECAUSE EVERYTHING THAT I HAVE READ ABOUT XXXX XXXX XXXX STATES THEY WORK WITH OCWEN IN MODIFING HOME LOANS.
AMOUNGST ALL THE OTHER ILLEGAL PRACTICES YOUR FIRM DOES YOU HIRE XXXX XXXX XXXX TO DO YOUR LOAN MODIFICATIONS FOR YOU. THIS NEEDS TO BE LOOKED INTO BY THE CONSUMER FINANCE PROTECTION BUREAU AND AGAIN ANOTHER LAW SUITE AGAINST OCWEN. I REFUSE TO LOOSE MY HOME AND PROPERTY AGAINST THE XXXX XXXX LIKE OCWEN AND XXXX XXXX XXXX.
YES TAKE THIS AS AN APPEAL AND THIS APPEAL WILL BE FILED WITH THE CONSUMER FINANCE PROTECTION BUREAU ASASP.
CFPB NEEDS TO SHUT XXXX LIKE YOU DOWN. Thank you Regards, XXXX XXXX XXXX XXXX
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| 08/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
In XXXX, XXXX we filed for Chapter XXXX Bankruptcy and at the time of the intial filing, we reaffirmed our mortgage with GMAC. The Discharge was entered on XXXX/XXXX/XXXX. We never missed a payment and never made a payment late. In XXXX XXXX, due to GMAC 's bankruptcy filing our mortgage was turned over to OCWEN and so began the nightmare. It 's been one thing after another with this company - I do n't understand how they are still permitted to do business! During a routine credit report check, I found that OCWEN is reporting our mortgage as " Closed - Derogatory '' and in remarks it states " Chapter XXXX Bankruptcy ''. In XXXX of this year, I called them and was told I 'd have to provide supporting documentation to my claim that they were no longer allowed, under the laws of the FCRA to report such things. I did so via certified mail on XXXX XXXX, XXXX. I awaited a correction to my credit report, which was never made. I contacted OCWEN again on XXXX XXXX, XXXX and was told that they were sorry for the error, they did, in fact, have supporting docs on hand and this reporting was an error on their part that they would get corrected. I just received notification from them that states they will notify the credit reporting agencies to change the remark to show the loan was discharged through bankruptcy ... what????? TWELVE YEARS after the discharge ( and REAFFIRMATION OF MORTGAGE ) the only thing they should be permitted to report is the fact that our loan has been paid on time, never late!! There should be absolutely nothing in my credit reports about a bankruptcy - is n't that correct???? We have paid and paid and paid for our financial crisis, OCWEN should not be permitted to continue this type of reporting practice! I have spent hours on the phone and writing letters to these people and I feel like I am just beating my head against a wall. I have no doubt in my mind that we are not the only ones fighting this type of a battle with OCWEN. I do n't know where else to turn. We do n't have the money to hire an attorney and should n't have to. Please help!!!
|
| 06/01/2021 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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My father passed away on XX/XX/XXXX. I petitioned the court to be named as personal representative, effective XX/XX/XXXX. On XX/XX/XXXX, I called PHH Mortgage to inform them of my dad 's death. They asked that I email them the death certificate, documentation from the court and a written statement outlining our intention for the property ( we intended to sell ). They requested that we email the documentation to : XXXX. I called back one week later on XX/XX/XXXX to inquire if my documents had been received and what the payoff balance of the loan was. After waiting on hold for over 20 minutes, I was rudely told that the processing time to read emails on their end was 15 business days. When I asked to speak to a supervisor, I was told that there was no one available to speak to me. I then asked if I could receive a call when my paperwork had been received, but was told that I would have to call back, wait on hold and then inquire if my information had been received after the 15 day mark.
I called back two more times ( after the passing of the 15 business days ) and the first time my call was dropped after holding, and then when I called back the call center was closed. The second time I was told that my information was not 'in the system '. On XX/XX/XXXX, I again emailed the documentation to two different email addresses ( XXXX ) and ( XXXX ) for a total of four separate times. I have never received an email or call back from PHH at any point. I also was not able to receive the exact pay off amount on the loan since my initial request on XX/XX/XXXX.
On XX/XX/XXXX the title company working with me to sell my father 's home alerted me that they did not receive timely responses, including the pay off amount from PHH Mortgage. The title company reached out to me on XX/XX/XXXX and stated that closing could be delayed due to the lack of response from PHH Mortgage. The title company also stated that the experience working with PHH was among the worst of any mortgage company due to their failure to answer questions and provide information in a timely fashion.
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| 06/06/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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|
Web |
Older American |
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I took out a reverse mortgage several years ago. I still live in my home which I purchased almost 29 years ago. Each year the mortgage company - PHH Reverse sends me a Certificate of Occupancy and I have filled out the form and returned the form to PHH in the envelope provided. I received a Notice of Default in XXXX of this year ( 2023 ) which demanded that I pay the entire outstanding balance of my mortgage ( reverse mortgage ) to cure the default. I tried calling PHH several times to see what the basis for the default was. I was unable to get any information or resolve the issue so I have had to hire an attorney. I just learned last week that the reason for the default was that the lender determined that I " was no longer an occupant '' because they had not received the certificate of occupancy form. I looked on the PHH website for the form, and the form is not available. I can not simply download the form and send it in again and cure the default. Instead of reaching out to me to verify occupancy, or notify me that they had not received the form, and provide me with another form and the opportunity to prove that I still live in the home, PHH filed a Notice of Default demanding that I pay the entire outstanding mortgage. I do not work, I can not simply go out and get another mortgage to pay off the amount ( ~ $ XXXX ) they claim is now due. I have tried calling PHH several times. I have not been able to get through to anyone that has the ability to resolve the issue or offer a viable solution to address their baseless claim that I am no longer an occupant.
PHH has made up a reason to take my home of 29 years. The Notice of Default is not based on my default or any violation of the terms of the reverse mortgage. I continue to and have continuously lived in my home for all these years. I am over XXXX years old and if they take back my home, I will be homeless. I have limited means and this will cause me more hardship as I try to resolve this with PHH and save my home. The current foreclosure proceeding has also damaged my good credit and reputation.
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| 11/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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on XX/XX/XXXX I had applied for a modification approved at an extended 40yr note I was not looking to be XXXX and steel paying on my loan. I had fallen behind on my payments for XX/XX/XXXX a partial payment as I was making a repayment plan fail to make a payment to repayment plan on time and there for it was removed I have been trying to redo the repayment plan and they keep denying it until XX/XX/XXXX I spoke to a rep and he said I would qualify for a repayment plan down payment would be {$4100.00} I agree to pay on XX/XX/XXXX I called to notify I would be making the deposit and relationship manager said it was denied she would had to resubmit I called again they said it was denied in total submissions it was 5 last one came back to me I need to pay {$6100.00} on XX/XX/XXXX then she called back later it had been denied again due to submittal by previous R/M was calculated wrong she would submit again as I explain to her my interest was not due to change until XX/XX/XXXX so she submit again then R/M called me on XX/XX/XXXX to advise it had been denied for the XX/XX/XXXX just when I had put the {$6100.00} together again my loan was setup on a modification trial plan for three months my first payment will be XX/XX/XXXX I had not other repayment plan available due to my loan in the FC process as they ate all the time on submittal and denials..I am so nervous of this trial plan not good reviews on the Ocwen trial plans online and as of today I had not received no paper work they have been working on it for over two weeks ... ... on the online reviews customer lost a home as they came back to her three months later informing her she did not qualify for the modification ... .my question is what takes to get the final modification approve or denied?????? I dont want to loss my home OR SELL MY HOME and they know I have a good equity on my home ... I would like for OMBUDSMAN DEPT HELP ME ... .OR SOMEONE TO HELP ME ... ... .I WANT FOR SOMEONE TO ASSURE ME THIS MODIFICATION IS GOING TO HAPPEN AFTER THE TRIAL AND NOT ONLY KEEP EATING TIME ... TO KEEP MY HOME ...
|
| 09/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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Background : In XXXX I had a standard mortgage serviced by GMAC and after 4 years the TLV value was 88 % ( [ see appraisal document ] $ XXXX {$380000.00} * 100 ).
We decided to refinance under the HARP 2 program to lower the interest rate and use the streamlined process where less supporting documentation were required The re-finance went through and believed that all was well.
Owners of the mortgage : o GMAC mortgage : XX/XX/XXXX-XX/XX/XXXXo Ocwen Loan Servicing : XX/XX/XXXX-XX/XX/XXXX o XXXX XXXXXX/XX/XXXX-current Issues : 1 ) During the refinance using HARP2 program, GMAC undertook a property evaluation without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX ).
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value rate of 152 % and thus would be forced to pay PMI for the majority of the loan.
3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the GMAC/XXXX appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information.
The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium.
4 ) I believe that the appraisal ( an automated valuation model ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at XXXX XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between {$420000.00} - {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
|
| 11/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX.
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX.
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation.
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current.
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}.
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption.
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter.
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable.
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}.
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted.
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation.
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors.
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received.
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price.
I feel this is a slap in the face for my contribution and service to my country.
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution.
T/Y!
|
| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My mortgage note shows that my payment is due on thXXXX XXXX & I have 15 day grace period which gives me until the XXXX of the month to make a payment. XXXX c/o PHH Mortgage Services XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX ; email : XXXX ; fax : XXXX sent me a statement dated XX/XX/XXXX & charged {$20.00} in late fee. In addition, I do not have an escrow account. XXXX is illegally trying to form one. I pay my own insurance with Foremost & my own taxes. In addition, XXXX initial mortgage with Fremont Loan in XX/XX/XXXX ended in XX/XX/XXXX. I had 2 loan modification which reduced the balance significantly. The XXXX the balance was reduced fr {$310000.00} to {$220000.00} after it transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX At-a-glance Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX who then transferred after the loan modification to XXXX XXXX XXXX, XXXX now known as Ocwen Financial Services Debt Collector License XXXX XXXX XXXX Mortgage Lender License No : XXXX XXXX No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Docket No. XXXX : has engaged in, or is engaging in, residential mortgage loan servicing practices which violate XXXX and XXXX laws and fails to meet the requirements in MA. As a result was forced out of the business. Latest settlement is XX/XX/XXXX : XXXX XXXX XXXXXXXX. The XXXX was modified with Ocwen who failed to apply my payments to my account so that I wouldnt get the next 2 allotments total {$110000.00}. During the time of fighting for the next two deductions from my mortgage, I was charged interest & late fees which were never credited. If MA gov fought for their residents, what is NJ doing for its residence? Failure to provide loan documentation from XXXX XXXX. Fail to post payments in a timely manner even when made on XXXX website before the deadline!!!
Last payment on their website site : Pd PHH MORTGAGE SERVICES Loan Payment complete! Confirmation Number : XXXX Nice work! Your payment of {$420.00} scheduled for XX/XX/XXXX has been submitted.
|
| 10/29/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was stricken with XXXX XX/XX/XXXX as a provider seeing patients. I began forbearance with XXXXXXXX XXXX XXXXXX/XX/XXXX i attempted during forbearance to continue to pay partial mortgage payments to them in the amount XXXX until XXXX to sick to continue work and pay. I completed the forbearance went into modification XX/XX/XXXX the terms was sign during and after the XXXX XXXX payment of XXXX the loan was transferred to PHH mortgage during this time the escrow amount was wrong did not include home taxes and insurance in which before my illness was included. I told PHH in XXXX when loan was transferred it was wrong after spoke to many agents at PHH no one listen until XXXX during this time i was asked to continue paying XXXX trail payment in which i did. There were 5 total payed to PHH. No one at PHH can tell me where the suspense payment went to until 1 week ago PHH stated the funds went toward the mortgage payments while I was in forbearance and the recent payment went toward monthly mortgage payment while in modification. A new monthly mortgage payment of XXXX state not written by the servicer stated starts XX/XX/XXXX still I have not received a breakdown of all payment made where they went. They are asking for a 6 trail payment for XX/XX/XXXX in which I was told by me calling of another XXXX plus new payment of XXXX mortgage XX/XX/XXXX payment and if I do not pay they will keep the monies payed a put the home in foreclosure. I have contact the Texas Mortgage Consumer Affairs ' put in a complaint with XXXX now your agency. PHH has threated several times with door hanger notices that they will foreclose my property I have never been late on my mortgage before my illness even during my illness I attempted to pay. I need help please. They want me to continue to pay without letting me know where my money is going. Before illness I owed XXXX. PHH is stating I owe XXXX more. When speaking with PHH they blame XXXX its not my fault the loan was sold incorrectly but I have to pay the penalty. A check for XXXX for XXXX payment was sent via USPS regestered
|
| 04/08/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE!
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly.
The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing.
When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed.
The following explanation makes it defective.
The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed.
The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX.
The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a summary and overview of my complaint against Ocwen Loan Servicing and its subsidiaries PHHXXXX XXXX as well as XXXX XXXX XXXX My complaint contains multiple severe and egregious actions by the aforementioned entities. The complaints are as follows ; XXXX. Tax fraud- In XXXX Ocwen modified my mortgage as under the terms of the XXXX CFPB Consent judgement. A principal reduction of {$47000.00} was done on my loan. A 1099 Cancelation of Debt in this amount was issued to me for the XXXX Tax year. Ocwen did not reduce my mortgage and has subsequently attempted to collect the full amount. They treat it as deferred debt. I do have a civil lawsuit against them and this a claim listed. Given the circumstances of the XXXX Consent Judgment it is crucial that this matter is investigated on a broader scale as it is highly likely that this is not the only occurrence and other consumers may be adversely effected. Please see attached 1099 XXXX In addition Ocwen and its subsidiaries have committed violations of the Fair Debt Collections Practices Act- A. I am a consumer under 15 U.S.C.1962a ( 3 ) or U.S.C.1692c ( d ) B. My Debt is a consumer deby under 15 U.S.C. 1692a ( 5 ) C. The Plaintiff is a debt collector under 15 U.S.C 1692a ( b ) D. The violation is under 15 U.S.C. 1692f.
XXXX. More disturbingly on XX/XX/XXXX the above named companies committed a criminal felony act by intentionally instructing a contractor to break in to my home, while knowing I occupied the home. There was a criminal case in the District Court of XXXX XXXX, Kansas. The case XXXX resulted in a conviction of the XXXX XXXX. There will be additional charges filed as other individuals have been implicated.
I would implore you to review and investigate these companies for additional violations of the XXXX Consent Judgment as well as potential harm to other consumers. I have litigation currently in the District Court of XXXX XXXX case # XXXX. Additionally I am working with the Internal Revenue Service and the Kansas Attorney Generals office with their investigations of this matter.
|
| 03/07/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am now opening a formal complaint and reporting this file to Making Home Affordable.gov as well as the consumer finance protection bureau and the federal Trade commission.
I would like to start by saying that we had submitted this transaction to Ocwen Loan Servicing with an offer of {$110000.00} Ocwen Required us to move the file to XXXX and list this on XXXX where another buyer won the auction at ( meeting he reserve bid ) and even bidding higher to {$110000.00} plus the required {$5200.00} plus {$290.00} both fees paid to XXXX.
The file moved back to Ocwen, the file was then submitted to the investor and was rejected ( not for the HAFA fee of {$12000.00} being offered to the XXXX lien ) but because the purchase price was too low according to the investor. Ocwens solutions was to submit the file back to XXXX to have the property put back on the auction site and try to obtain a higher offer.
I filed a complaint and the file moved to XXXX XXXX in escalations, and was told the file is no longer with ALtisource. I asked XXXX about the coutner/ value/ buyers premium etc. He decided to only answer emails he felt comfortable answering and stuck to countering me.
He then asked me for a payoff for the XXXX which I obtained. He then countered me that the max to the XXXX in HAFA would be 8 % UPPB. He did n't want to provide the guidelines to me that stated it was 8 % nor did he want to explain why the XXXX 2016 HAFA policy says the agreegate cap can not be less than $ XXXX instead he wanted to speak with me via the telephone where he could speak over me and continue to argue with me that I was reading the policy wrong.
I will be bring this up with those regulatory agencies so they can elaborate on their policy for Ocwen.
I hope the Trade commission decided to investigate this Ocwen/ XXXX relationship. And I would like an explanation how this is acceptable customer service. Now we have been at this for months and months. I escalate a matter and get totally unprofessional service from your escalations representative. Please see below and advise.
|
| 01/27/2020 |
Yes |
|
|
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Web |
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|
To whom it may concern : I am experiencing credit reporting fraud and financial fraud from my current lender PHH mortgage, housed under XXXX XXXX XXXX. I have been referred to an off-shore call center " case-manager '' since XX/XX/2019. Following all rules for their home loan re modification program, I paid as agree X6 months of partial payments in order to qualify. As of XX/XX/2019, I was inform that the trial payment period had ended and I had been approved for a home loan excluding the Melaroose charges previously embedded in my original FHA loan, this maintained my monthly payment at {$1600.00} of which I have paid consistently since XXXX of the finalized and signed agreement. Although I have been told that the new modification agreement has been accepted, I have been told that my loan is still not " finished ' and " awaiting on the investor ''. Although I was told, that my credit would only be affected for the period during the trial modification application, my credit report has received negative credit reporting for over a year. This has affected my ability to receive credit to pay medical bills, finance my car loan at reasonable rate, causing me to take out even larger loans with higher interests rates in order to pay for childcare. PHH mortgage has not followed up on my inquiry nor has offered any solution or END to destroying and damaging my credit, despite representatives on the phone promising to " reverse '' the negative credit reporting. Instead of helping my as a client, PHH Mortgage is destroying my families financial well being and also causing stress and hardship. This is the end inquiry made to the CFPB and over a year of attempting to resolved this issue directly with the company. As a hard-working XXXX XXXX XXXX, I feel so abused and taken advantage of by this company which insists on cashing my checks every month without any regard to cleaning up their mess as it pertains to this loan or the credit damage that they have caused my family. Please rectify this immediately, this criminality and unethical behavior must stop now!
|
| 11/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a Town Home in Hawaii and my ex-husband and I rented it out when we left Hawaii in XX/XX/XXXX to go overseas to work in XXXX on a XXXX. The earthquake that occurred XX/XX/XXXX in XXXX was unexpected and put our family under hardship and we had to leave XXXX un-expectantly and are now living overseas. As a result, we have been struggling to make payments as the family hardship with the evacuation from XXXX 's natural disaster took its toll on us financially.
We have been working with the lender over the years to attempt to do a short sale and have had an attorney assisting us. However, the bank has always declined our offers. We have recently received XXXX offers on the townhome ; one cash offer and need a response from the lender. The lender 's legal representative XXXX XXXX XXXX XXXX XXXX XXXX was asked by my attorney to provide feedback and official pay off amount, so we can progress with a sale. Based on the offers we have in hand, I do not believe the bank will lose any money, but I can not be certain without information from them. The request for information was asked for on XX/XX/XXXX and we were assured we would have a response within four days. It has now been over a month and we still have not received anything. I have called them personally as well as my attorney and no one is getting back to us with information. We are going to lose these buyers and I have been notified today XX/XX/XXXX that the cash offer has withdrawal, so we have lost our guaranteed sale.
It is my understanding that the loan is held by OCWEN. I am looking for timely responses from both OCWEN and their legal representation, so we can get this townhome sold and these accounts settled.
We are feeling that they are treating us unfairly and we have now lost a very good opportunity to recover some of our financial results of our hardship. At the end of the day, we are trying to do the right thing and six weeks of silence is unprofessional, unfair and a little confusing, which leads me to believe it is a deliberate action by OCWEN and their legal representatives.
|
| 09/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
The mortgage of my primary resident at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX have been purchased, without my consent by PHH Mortgage ( from XXXX loans ). Since I have automated payments for all my loans ( including previous ones ) I have never had any late payment issues and my credit score has been excellent. Since PHH Mortgage took my loan over, I have been trying to set up automated payment through their website. The first roadblock was they required me to fill out an amendment to start re occurring payments. The content of this amendment included non-payment related items. This company obliges you to sign off on these non-related items to accept my autopay request. Anyways, just to comply and move forward I signed and moved forward. I called them again and set up the automated payments together with one of their customer service representatives. A few months later I received a letter from them that I was late on mortgage payments. I called them again and disputed all late fee charges and set up once again the automated payments. A few months later I received another letter stating that I was late on payments. I went online and saw that in fact I was kicked out once again from automated payments. At the same time, I was trying to purchase a new home. When my loan officer pulled my credit, we realized that this company reported late payments and my credit score went down to XXXX from 800s. Despite all my efforts to rectify this issue, not only my credit score was affected also I will probably not be able to purchase a home a really like. I have a good amount of funds in my bank accounts, had excellent credit scores before PHH Mortgage acquired my loan and have no reason to pay late or not pay at all. It is quite the opposite ; my efforts are to keep my credit score high. Until today, after multiple phone calls and hours of conversations over the phone I am in this situation, and this is not right. Out of frustration, after one of my calls, I filed a complaint about PHH Mortgage to XXXX and I saw that there were similar complaints about them.
|
| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
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I had a loan with XXXX XXXX that was refinanced on XX/XX/XXXX. On XX/XX/XXXX, the escrow company wired {$380000.00} payoff funds to PHH. We did not make the XX/XX/XXXX payment, so we called PHH to confirm if they had received the funds. They were not able to send confirmation and said that it would take XXXX business days to receive and apply the wire to our account. Since we didnt want to get a late credit report hit, we made an additional monthly payment on XX/XX/XXXX.
As of XX/XX/XXXX, PHH had still not applied the payoff to our account, and we noticed only because I checked my online account to confirm the loan was closed. I called PHH to ask why. They told us that the funds were short {$2000.00} but they never contacted us or the escrow company nor returned the funds, they held to them. The amount that they say they were short is for taxes that they removed from our account but did not pay to the county, and furthermore, they had an additional payment from us, we are not short paid, they have excess funds from us. From XX/XX/XXXX to now, we have called numerous time XXXX both me and the escrow company ). We have sent them all the necessary documentation that the front-line customer service representative requests, but they do not do anything to fix the account and apply the payments. We were told that our case is with XXXX XXXX, the escalations manager and XXXX XXXX XXXX, the manager of the department. Every time I call for the last month, I get a promise that XXXX will give me a call back by the end of the day or even 48 hours and never does, it has been a month. As of now, I have not been able to speak to anyone that can give us a resolution. Not even a call back to say they are working on it ; they simply just do not call back. Also, as of now, even though I have asked multiple times that this should not be reported as negative credit, they have reported us late. It is very frustrating, and not sure if its even legal that they can keep such a big amount of funds in a suspense account and keep my account accruing interest and late fees.
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| 06/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.
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| 12/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take.
After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines.
This is not the case.
When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money.
In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ).
It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim.
The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ).
We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.
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| 12/31/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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Dear Sir/Madam : We are now facing foreclosure process from our home mortgage lender as of XX/XX/2015. Our home equity loan with " OCWEN '' has matured as of XX/XX/XXXX, and full-payment of $ XXXX is now due. I was only notified by Ocwen over a phone call, after the maturity date. No monthly statements was sent to us prior to the maturity date, ( see exhibit # XXXX : of last mail received to the correct address ). Ocwen said, it was because we did not give them the correct mailing address. During that time, I was told I could ask for a modification on our loan. So immediately I had provided full supporting documents & applications to Ocwen. It took Ocwen about 1 1/2 month later, on XX/XX/2015, just to deny our application. The reason for denying, is that the loan has already matured. But why would they have me go through this process, when they knew it will not get approved. But during this period of time, I was also working diligently with a mortgage financing company to get a 30 years fixed loan approval and pay of Ocwen. But we encounter an error on our credit report, that must be addressed prior to getting the loan approved. Now we are waiting for it to get updated on the XXXX credit bureaus.
While I was getting a new credit report, I discovered that Ocwen had already submitted to our credit reporting that we were late on our payment. Technically we are still making payments to Ocwen, but they returned 2 of our last monthly payments. It 's not late, we did not miss any periods, the loan is matured.
The new lending now tells me that there is nothing they can do to get us approved, and no other banks will approve us neither, due to this late payment reporting. we can not even sell our property, because Ocwen will put a lean on our title. Now we are faced with losing our home.
I have faxed Ocwen to ask for postponement of the late reporting just so we can get approved, but I have very little confidence Ocwen will help. I suspect they just want to take our house.
Please help us, we are desperate for help. We have never missed a payment.
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| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Recently I submitted an additional complaint of fraud relating to PHH and Ocwen. For over 2 years when I called PHH they advised they could not assist me because my loan was not brought over from Ocwen after my CFPB complaint miraculously they put me in the system. Last week PHH sent an email stating it was an answer to my questions, it shut my email down and their email disappeared. After which all my mortage related emails disappeared. XXXX assisted me with getting them back. Today I received fraudulent documents from PHH to cover up fraud and the sale of my house in Georgia, documents they repeatedly said did not exist. XXXX XXXX, XXXX FRAUDULENTLY Submitted foreclosures documents electronically to XXXX XXXX. Shortly thereafter the principal party was fired from Ace, he was involved in another fraud that went to court. The foreclosure documents were filed and notarized by a married couple in real estate with a fraudulent cloud hanging over them, Ace was the front. Behind the scenes there were multiple real estate agents and companies as ghost interest parties all taking part in the high equity in my house. The current buyer listed does not live in the home but was one of the original buyers when I legitimately put the home up for sale. She backed out and then obtain the house through fraud. Kindly reference Ocwen 's letter of apology XX/XX/XXXX for losing my 3rd trial modification payment. Ocwen 's scheme was to continuous do modification and obtain funding and tack on additional finance charges to mortgage. Please reference the XXXXprincipal reduction from XXXX XXXX and the 2nd mortgage XXXX in XXXX. Despite PHH attempting to collect that in XXXX, XXXX, XXXX. In XXXX I had a principal balance of XXXX please remit the funds from the sale of my home and my title. I was not behind in payments and false document were submitted stating I lived in Pennsylvania and notification was sent there. These are criminal acts and should be viewed and resolved as such. Do the math XXXX balance in XXXX and 10 years later sold below value for XXXX then XXXX
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| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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My home financing at XXXX XXXX XXXX XXXX, XXXX, NY XXXX is owned by XXXX XXXX and Serviced by Ocwen Servicing. It then bought PHH Mortgage. The loan was serviced by Ocwen and agreed to modify the loan in XXXX. I paid the initial payments for one year until Ocwen, using clerks not in this country who did not know anything about the loan began misapplying payments, losing them, and sending me default notices until I finally gave up -- hoping that Ocwen would finally take notice and work out the problems. Instead they just started a foreclosure.
So, in XXXX I again modified the loan. However, I agreed to make the trial payments with the understanding that they would adjust the loan amount and huge balloon ( {$800000.00} AFTER paying for 20 years ) once I obtain a NY Licensed appraisal. They simply charged me {>= $1,000,000} for a house worth {$800000.00} with an additional {$800000.00} balloon. They refused to correct what was owed as promised. So, they then sued me because I refused to pay 50 percent more than the house was worth.
They have two sets of lawyers and a corrupt judge ( one who was appointed by a now XXXX XXXX. and have a Judgment of Forcclosure.
Ocwen has been sued by you for {$200.00} million for consumer fraud and they are back at it again using PHH Mortgage which they bought to sheild themselves for doing exactly what they were doing before. Screwing homeowners.
THIS is another XXXX XXXX. XXXX XXXX, written about in XXXX XXXX ( XXXX XXXX ) is at it again as it was with MortgageIt when it settle with the Justice Department.
Please bring them to the table and sanction them as Rohit Chopra has for $ XXXX to stop them.
While I transferred by title to my wife, and have agreed to simply transfer it back, they are trying to take out house and destroy our family.
I contracted Multiple Myeloma from the XXXX XXXX attack as well as atrial fibrillation and was unable to work or find a job. This had no affact upon Ocwen, PHH or XXXX XXXX and the attorneys whom I asked, as pro se since I can not afford an attorney, to modify my loan.
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| 05/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted PHH Mortgage Servicing the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ).
At that time, PHH Mortgage placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.
When I noticed the late payments on my credit report, I sent a letter to PHH Mortgage asking them to remove the inaccurate 30 day late payments from all 3 credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active.
As published in the Federal Register for publication the notice stated that the national emergency declared in Proclamation XXXX of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease 2019 ( COVID-19 ) pandemic and to continue in effect beyond XX/XX/XXXX.
It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement.
( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
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| 11/30/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/XXXXTo Whom It May ConcernRe : Loan # XXXX Suppression/Removal from XXXX Credit ReportI am hereby submitting this complaint concerning Ocwen 's suppression and removal of my loan status from the XXXX Credit Report. This loan was transferred from Litton to Ocwen who now has the Fiduciary duty in reporting the loan status to all Credit Report Reporting Agencies.
This two-plus ( 2+ ) year old issue remains un-resolved to -date after numerous communicative attempts through 'Customer Relationship Managers ', Accounts Representatives and Managers etc to have this resolved, ( see attached email transcript " Fwd : Fwd : XXXX Confirmation on Ocwen Loan XXXX XXXX XXXX XXXX '' ).
The earlier XXXX Report snippet of XX/XX/XXXX clearly confirmed the presence of the loan account status on the report with Ocwen as the servicer prior to its suppression ( see attached " XXXX_Confirmation_of_Suppression_by_Ocwen.pdf '' ).
In the attached " XXXX_Confirmation of Account Removal_ Suppression.pdf '', the XXXX Investigative Report of XX/XX/XXXX clearly shows that Loan # XXXX was deleted.
The Full TransUnion Report of XX/XX/XXXX clearly shows that the status of Loan # XXXX remains suppressed/deleted from the Report. ( see attached " XXXXCredit_Report_XX/XX/XXXX.pdf '' ).
Communications between both Ocwen and XXXX to have this resolved resulted in scapegoating explanations. XXXX recommended getting in touch with the Lender " Ocwen '' and Ocwen subsequently responds with the release of further misinformation and confusion in their " credit report letter '' deceptively suggesting contacting the XXXX Credit Bureau ( see attached '' Loan_Status_XXXX_From_Ocwen.pdf ''.
With this hard evidence that is provided, I am submitting my complaint, which clearly confirms Ocwen 's illegal and deceptive manipulation of my loan account which is in good standing from XXXX that it now has Fiduciary duty to maintain.
Thanks in advance for a final resolution to this issue that has negatively affected my credit inquiry results for the past 2+ years.
Regards, XXXX XXXXXXXXXXXX
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| 04/26/2017 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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On X/XX/2017 I received a call from a representative of OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe XXXX or XXXX XXXX dollars. I had never heard of such with a loan so old ( XXXX years old ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due. Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed. However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure. Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me. Not only did my payments go up, but my account is now delinquent. That has never happened before. Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.
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| 09/16/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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In lieu of valid Assignments, Trusts continue to rely on Assignments specially made by their own law firms and mortgage default service companies. Eventually, these fraudulent Assignments are being discovered by Courts, and the foreclosing trusts required to prove that they own the Mortgage and Note in the foreclosure action without reliance on Assignments that misrepresent the date of the actual transfer to the Trust the authority of the signers of the bankrupt original lenders. For XXXX homeowners, this realization has come too late.
Aside from the law firm and mortgage default servicing companies that fraudulently produced Assignments, such as Ocwen loan servicing, and third party manufacturing company indecomme global services, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm FOR EXAMPLE they are producing fraud assignemnts.
The entities at greatest risk that the fraudulent assignments scheme will be exposed are the title companies which all theses ( Ocwen loan servicing, and Third party manufacturing company e.g XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm all owes it little title company, e-title for XXXX XXXX XXXX and XXXX associates etc ... ) are the tittle companies that guaranteed the clear and correct transfer of ownership to the trusts. ALSO at risk are the trust creditors themselves and the trustees. Both groups of entities have been on notice for several years THAT the faulty assignments were likely to jeopardize the trusts claims to ownership and ability to foreclose in the event of default, yet have failed to disclose the critical information to trust shareholder and to the sec.
THIS COMPLAINT FOCUS ON DEFAULT buyer DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see several attached documents files
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| 05/31/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
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Hi, I hope all is well. My name is XXXX XXXX and I am the personal representative for my grandmothers property located in XXXX, MD. I have been working with a real estate agent to get my grand mothers house sold. We have been growing through the short sale process for a year. The first lender was XXXX. We got the appraisal done and it came in at {$90000.00}. The mortgage was then sold and moved to PHH. PHH would not use the appraisal that was done by XXXX and stated that they had to have there own completed. Another appraisal was ordered and completed in XXXX of XXXX. That appraisal was submitted and came in at {$70000.00}. All requested paperwork was submitted and we were awaiting next steps. While we were waiting, the short sale specialist stated that another appraisal had to be completed due to the appraisal expiring. Another appraisal was completed and that appraisal came in at {$100000.00}. Again, all paperwork was completed and submitted. Again we were waiting for the next step from the bank as all paperwork had been completed. The short sale specialist, XXXX XXXX, stated that the short sale would not be approved due to a sale date of XX/XX/XXXX. My real estate agent check multiple sites and even went to the court house. There was no sale date set. The agent also called PHH on XX/XX/XXXX and the rep stated that no sale date had been set and that there was no sale date on the property. The agent then reached back out to XXXX XXXX XXXX, the assigned short sale specialist asking if we were moving forward with the short sale and he stated no that a sale date of XX/XX/XXXX had been set. Another search had been done and no sale date of XX/XX/XXXX had been found for the property via the court house or online. At this juncture, it seems as though PHH is trying to push the property into foreclosure, more specifically XXXX XXXX is. At no point has he tried to help. It takes him weeks to respond to emails, if he responds at all and that is the only point of contact with him is email. Please help me save my grandmothers home from foreclosure
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| 04/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage is imposing force-placed insurance when we already have adequate coverage on our property. PHH sent letters dated XX/XX/XXXX and XX/XX/XXXX, both of which falsely claim that there was a lapse in insurance coverage on our home from XXXX.
XXXX XX/XX/XXXX or early XX/XX/XXXX, XXXX sent our policy renewal to XXXX XXXX XXXX XXXX our previous loan servicer. XXXX did not pay the renewal from escrow as expected, so we directly paid our XXXX policy for the period XXXX. Our loan was transferred to PHH on XX/XX/XXXX. We provided PHH with the declaration pages for our XXXX policy. In a follow-up phone call to PHH, an agent communicated that the policy was unacceptable because of an error in the property description.
XXXX corrected the error in the property description. In doing so, they cancelled the existing policy with an effective end date of XX/XX/XXXX. XXXX then issued a new policy for XXXX. PHH paid for the new policy from our escrow account.
*PHH sent a letter dated XX/XX/XXXX, claiming that there was a lapse in coverage from XXXX and would charge us {$190.00} to cover the lapse. In a follow-up call to PHH, the agent said that they did not have proof of insurance for the time period in question ; we pointed out that we had provided the declaration pages for the policy ; PHH said that the declaration pages were not acceptable.
*On XX/XX/XXXX, we provided a letter of experience from XXXX XXXX which states that our home was insured for the time period in question. In a follow-up call with an agent, PHH stated that this letter was unacceptable.
*We provided PHH with contact information for XXXX insurance on 2 occasions, most recently on XX/XX/XXXX. PHH did not contact XXXX.
XXXXPHH sent a letter dated XX/XX/XXXX stating that they would proceed with charging us {$190.00} to cover the time period in question.
*Over several calls to PHH XXXX most recently on XX/XX/XXXX with agent XXXX, PHH stated that it never received the declaration pages for the policy covering XXXX. I again sent the declaration pages on XX/XX/XXXX.
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| 10/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I received your letter dated XX/XX/XXXX denying my request for assistance and denying my appeal for reasons that are unreasonable, you stated you that you wouldnt review my loan for workout plan because I received several workout plans in the past and that is NOT true, I have not received any workout plan since XXXX and that XXXX workout plan offered by a total different servicer then it was AHMSI whom went out of business, I didn't accept that offer, it was not a good plan or affordable workout so I did not accept and kept the original loan and luckily my loan was transferred to many different servicers that that I did not even know who was my servicer at that time and who I needed to negotiate my loan with and or send my payments to then, beside all that I was XXXX XXXXy and I was XXXX XXXX and I had no one here in the state to help me legally with my mortgage negotiations, few I hired from overseas scammed me and took my money and never called me once. so please I had no options or even a chance to redeem myself and redeem my home, please give me a chance and work with me, put me on a trial payment, look at the nature of this loan I have now and current market values and just give me a chance so I can catch up and take a breath. I have a family that suffered severely from covid on top of it, I have lost my elderly mom to XXXX in XXXX and almost lost mine too to XXXX XXXXast year, give me a break and stop being harsh to us homeowners we never intend to default on our mortgage but this mortgage was a bad loan from the beginning and I was scammed to accept it and I wasn't knowledgeable then on what I was getting myself and my family into when I accepted it.. I have submitted application with XXXX XXXX XXXX and it's in review for loan for assistance. please work with XXXX XXXX to find the best scenario that can make this work and not peruse forclosure actions as its illegal, I have contacted XXXX XXXX and they said they and they advised me you need to send them orders to rescind this sale. we are military family and thank you again.
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| 09/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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This home is a part of an Estate, the loan is serviced by Ocwen Loan servicing.
After the death of the owner XXXX XXXX XXXX, XXXX XXXX, XXXX. The grandson after there were other Administrators, became the responsible person for this loan and has worked with Ocwen and made payments to Ocwen Loan servicing for XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX XXXX made the payments on the first modification dated XX/XX/XXXX ... All payments were made and they returned the payment that was sent by XXXX XXXX and then offered another modification on XX/XX/XXXX after they returned one of the payments from the first modification. They kept all of the other payments. No one knows what they have done with all of those payments.
We have tried to talk to PHH that is now servicing the loan, they don't want to hear anything. They claimed they sent correspondence to an address that has nothing to do with this loan.
When we tried to apply for help, first they told us to send in a loan modification package with all of the proofs we did, then after we sent in everything they told us the loan had to be assumed. We had to fill out the Application Identification Certificate, then we had To fill out the Family Transfer Package, Then we had to send The newly executed Deed and a picture with the date of birth. We went though all of that to be changed to PHH, where they absolutely do not try and help they had no knowledge of all that had been done and they really don't care. We have asked for supervisors or someone that we could talk to about this Loan no one has helped. There is a sale date for this home on XX/XX/XXXX. Please help, no one was notified about the sale, we found out about the sale from people coming by the house.
After the transfer from Ocwen to PHH, every time we called there was an issue, the file had not been ported to the new system, then they told us that the account had a new new with PHH, we had to wait from the time the loan was c hanged to PHH an Ocwen company until XX/XX/XXXX before anyone to speak to us and the loan number was the same.
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| 11/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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My dwelling insurance policy must be paid by XX/XX/XXXX for {$910.00} ; otherwise, the policy will be canceled. I spoke with PHH mortgage ( Loan number : XXXX ) and requested that payment be made by XX/XX/XXXX. The agent stated the payment was made by PHH mortgage on XX/XX/XXXX, but it was not credited to the insurance, and the agent could not tell me how the payment was made. She said she would request another payment by wire and call me back with an update. She called me several days later but could not verify the payment was made.
I contacted the insurance company on XX/XX/XXXX to request the status and they stated PHH did not pay the insurance and it would be cancelled the next day. I called PHH again on XX/XX/XXXX and asked for the status. PHH stated a wire would be made and it paid after XXXX business days after. PHH would have failed to pay the outstanding payment to the insurance company in time, and I paid the outstanding balance of {$910.00} on XX/XX/XXXX since PHH failed to clear the payment as required by the XX/XX/XXXX deadline.
On XX/XX/XXXX, I received a call from PHH stating they paid on XX/XX/XXXX and that the insurance company did not accept payment electronically. This took XXXX days to find out, and PHH did not attempt to close the outstanding balance, even though they stated they made multiple payments after XX/XX/XXXX, which they did not verify.
I asked what steps they took to ensure it was paid in time, and they stated the payment on XX/XX/XXXX was their only obligation, and it was my problem that the insurance company required payment by check, and they would not take any steps to address it, and it was my problem. I spoke to them again on XX/XX/XXXX, and they still could not confirm whether a payment was made and would not pay me back after I made the payment to the insurance company, saying that it was not an option for them to pay me back. I would need to ask the insurance company for payment. How could I ask the insurance company for my payment when that was the only payment credited to the account?
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| 10/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a previous complaint in and I just received correspondence from my mortgage co in regards to your submission to them. I need to do an additional complaint because the letter from my mortgage co states that one of my reasons for asking for help was due to my stating that I had unexpected medical expenses due to my father. That is indeed one of the reasons that I listed to them when I asked for help several months ago. The letter from them also states that I did not provide details as to the timeframe the medical expenses occurred, whether or not there were additional expenses after XXXX 2017 and if the expenses were recurring expenses. I have been practically begging and submitting applications and appeals to my mortgage company and they never once asked any of the above statements when I was denied. I would have provided any info that they asked for but they did not ask any of the above. My account was even assigned a personal relationship manager that I talked with on a few occasions and I was not asked any if the above questions. The letter that I just received today from them also states that in order to review the account for further mortgage assistance, a new RMA package must be filled out in which they state is enclosed. Its not enclosed.They enclosed their answer letter and mortgage papers that dates back to about 4 or 5 years for some reason. I had to get out of bed which was not easy because Im really not feeling well and apply for assistance. I dont have a computer at home so now I have make it to a computer again to print and and send them more documents that was not enclosed as stated.I also applied for mortgage assistance on I think Monday because Im now on XXXX XXXX for two weeks due to XXXX XXXX XXXX XXXX due to XXXX. I have medication that I now have to take which costed me almost {$300.00} for my XXXX XXXX XXXX which is a recurring expense for the long term. I submitted my urgent care visit, my doctors visit and the cost that I paid for my medication with my most current application for mortgage assistance.
|
| 07/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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|
Web |
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XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX
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| 03/28/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
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I sent a Qualified Written Request ( QWR ) /Debt Dispute Letter to Ocwen Loan Servicing dated XXXX/XXXX/XXXX by XXXX Certified Mail on XXXX/XXXX/XXXX. Ocwen has not responded to date. As part of my proposal for an out-of-court settlement to my debt dispute, I also sent to Ocwen a completed Request for Mortgage Assistance ( RMA ) form with the required supporting documentation to which Ocwen acknowledged receiving. While confirming receipt of a copy of my tax return as part of its requirements to complete its review of my pending loan modification, Ocwen stated in its letter dated XXXX/XXXX/XXXX that my tax return was without signature ( s ) or evidence of electronic filing, and the due date for said document which was XXXX/XXXX/XXXX has now passed. Since I only learned of aforementioned requirement from Ocwen 's letter on XXXX/XXXX/XXXX, which was already 2 days after Ocwen 's imposed deadline had passed, I mediately sent by certified mail on that same day ( XXXX/XXXX/XXXX ) the signed copy of my tax return. However, instead of receiving a notice of the status of my loan modification application & request, I received XXXX weeks ago a copy of Notice of Trustee 's Sale dated XXXX/XXXX/XXXX ( recorded on XXXX/XXXX/XXXX ) which schedules the foreclosure sale of my property on XXXX/XXXX/XXXX. While Ocwen has not formally declined or disapproved my pending loan modification application to date, in violation of the XXXX California Homeowner Bill of Right ( HBOR ), Ocwen caused/directed its agent, XXXX XXXX XXXX, to proceed with the foreclosure action against my property by issuing said Notice if Trustee 's Sale. This is a blatant violation of the CA law. It is referred to a " dual tracking '' under the CA HBOR. In this regard I have written Ocwen a follow up letter on XXXX/XXXX/XXXX ( see attached ) and also demanded for the cancellation of the scheduled unlawful foreclosure sale of my property on XXXX XXXX, XXXX. I have not heard back from Ocwen to date. May I therefore request for CFPB assistance in this regard. Time is of the essence.
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| 09/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
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I have not been able to get an in-house loan mod from Ocwen Fl. I have been working with Keep Your Home California and they have approved me XXXX already for their mortgage reinstatement program as well as assisting me for XXXX months with my mortgage payments and property taxes and HOA dues in arrears. All of this financial assistance is conditional upon Ocwen working with KYHC and granting a new loan mod that would finally make my fluctuating mortgage payments much more affordable and predictable. Ocwen has XXXX refused to cooperate with KYHC and had me go through their Request for Modification Assistance program XXXX even though they had apparently previously decided that my loan would never become eligible for an in-house loan mod. This goes directly against their signed {$2.00} billion agreement stating that they would no longer engage in a dual track system.
Furthermore, Ocwen is claiming that since my loan was bundled into an MBS package, that it therefore precluded me from ever requesting an in-house loan mod. However at the time of the signing of my then my new loan agreement in XX/XX/2005, it was never disclosed to me during the loan disclosure session that I was now disqualified from ever asking for an in-house loan mod. Therefore, my contention that their repeated statement that they were unable to grant me an in-house loan mod because the amorphous and unaccountable investors do not agree to a new loan mod because the MBS bundling protects them from these types of requests is illegal and a direct violation of the Homeowner 's Bill of Rights since I was informed at the time of my loan doc signing that there was no reason to ever be ineligible for an in-house loan mod. My loan is very unreasonable and predatory at 7 % above LIBOR. I was never informed on what a LIBOR rate was and I trustingly signed the loan docs without deeper investigation. My ARM has fluctuated by up to $ XXXX+ more/month. I am on XXXX and all I am asking for is an affordable loan mod in cooperation with Keep Your Home California ( HAARP ) program.
|
| 08/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We have paid, on-time and by means of EFT, to our mortgage company PHH for the last 5 years. Previously I had requested statements and to no avail was never given one. Just recently, while going through a refinance with another lender, I had gone online to see my statement and send to the new lender. It was not there. I called PHH on XX/XX/20 to voice my concern, again, regarding the lack of statement on my account. I am supposed to receive statements by mail and have never received them. PHH then told me that a statement has never generated on my account so they had to escalate to an Escalations Manager. His employee ID is XXXX. We spoke and he assured me a call back in 24 hours. That did not happen. I just returned his call today, XXXX after missing him. I dialed his stated extension of XXXX and it said that the extension was not known. I waited for a customer service representative. At which time the gentlemen was very rude, asking why I would want 5 years of statements. I ended the call. At the end of all of this, their resolve was to send me this past months statement. I find this severely unsettling that in FIVE years they can not generate or procure something TANGIBLE for my records. The CSR kept saying " your payment history is online ''. This is a direct violation of XXXX Periodic statements for residential mortgage loans. Section C explains : " ... The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. '' This has never happened - not once in 5 years. The lack of customer care and the complete disregard for federal law was truly angering. I hope that my payments have been properly allocated in this time. I am not even able to see my account number! If it weren't for my home insurance, I would have never known what our loan number was. I can't wait to refinance and never work with them again. Please look into the matter and ensure that other consumers are not going through the same headache.
|
| 03/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them.
The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.
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| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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In late XX/XX/2021, the PHH Morgage company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every XXXX mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX. I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
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| 12/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I will start with my medical situation as a base for what has transpired but not as an excuse only to illustrate timelines. I had some medical issues revolving around my XXXX which led me to originally fall behind on my loan and I eventually paid everything I was behind and continued on paying my mortgage. My health further declined recently after a XXXX XXXX. I chose to sell my home and move to a place that would allow me to be independent longer. After listing the property and realizing this diagnosis isn't the end and that I have many years left in me I approached Ocwen with the idea of getting a modification to help ease with my treatment costs etc. I will attache all of the documents I received from Ocwen and I was ecstatic and thankful when they gave me a loan modification. In XX/XX/2018 I was given a trial modification which had me making three payments 1st in XXXX, 2nd in XXXX, and 3rd in XXXX. I made all of these payments and continued making that payment amount. When Ocwen sent me a final modification I signed it and returned it asap. Ocwen eventually stopped taking my payments and told me it was because I didn't return the final modification!!!! What!!!! I was defeated I did literally everything asked and my prayers that were answered were now shattered. I am attaching the trial modification, the signed final modification, and the three statements I received from OCWEN when I was in my trial. The one to focus on is XXXX 's statement. Per my agreement it was to be {$5900.00} and they sent me one for {$38000.00}. After reviewing it and speaking to some friends that have experience it is my believe that Ocwen accidentally had me in a forbearance and not a trial modification, when the forbearance in their system was up I needed to pay $ XXXX and then subsequently I lost my modification and no one has been able to answer why other than it was not returned, which it was! Please help me square this away and let me get back on track, I can make the payment I just need help getting everything back in order as it was in XXXX.
|
| 04/21/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!
|
| 05/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XX/XX/XXXX I called Ocwen to start taking auto payment from my bank account # XXXX, for my mortgage payments. Before hanging up, the rep said ' We see where you have a negative balance in escrow, we divided by 12 months and came up with {$490.00} and added it to your {$680.00} modification payment. You new payment in XX/XX/XXXX is now {$1100.00} '. At the time, I was on an approved modification and my payments were approved for {$680.00}. I had only been on the modification for two months and was current with my payments, when they changed my payment without notifying me first and then tried to take the {$1100.00} instead of the {$680.00} without my knowledge or approval. I informed the agent at the time, I could not afford the amount of {$1100.00} because I am on a fixed income and my social security income was only {$1100.00} and a discontinued pension of {$640.00} until I reach the age for full pension, which is why I signed up for the modification to begin with. He told me to try it for a year and then ended the call without any further assistance. I tried sending a payment of {$710.00} in, which would have covered my approved modification payment but the y sent my payment back and I do have paperwork that they sent me, showing where I sent in my payment and they refused the payment and sent it back. It has been a nightmare from there and I have been fighting to keep my home ever since then. I have been turned upside down with my payments, at this point. My payments of {$680.00} where being sent to my escrow and the {$700.00} for XX/XX/XXXX was returned along with several other payments, with them stating I had to pay {$3000.00} overage first, before they would accept my approved modification amount. Since XXXX, Ocwen has changed the {$1100.00} payment to smaller amounts of {$600.00}, {$740.00}, etc., but still refuses to accept actual payment from me for the smaller amounts. Now when I put in for a modification, they are all being denied. I have a sale date of XXXX and is frantic with trying to save my home of XXXX years.
|
| 02/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX of 2005 I made the mistake of getting an interest only loan, or predatory/exotic loan product via a residential loan broker and so ten years later after paying interest only for the full 10 years, I find it crazy that Ocwen is still charging me 6.125 % now on a 20 year term for the exact same amount that I started at.
I paid the 6.125 % and made it through the 10 years now that times are a bit tighter I reached out to renegotiate the terms or hoping they would gladly offer me a mod, but every time I submit the documents they tell me the same story " we didnt get all the documents '' or " can you resubmit this or that '' when the real deal is that they just dont want to give me a better rate.
After paying XXXX in interest only on a very iffy loan product and a very healthy down payment I find myself having to be concerned about losing my home.
One week they say I need to be 4 months behind in order to be considered next week its 2 months and that is affecting my credit rating, plus all the lawsuits against them I was hoping they would offer it to me without me having to beg to keep paying them, keep paying property tax, and the rest of the expenses that homeownership consists of.
Givin all the serious misdeeds and ultra lax underwriting not to mention blatant fraud in the loan origination area during that time and the fact that most of these big investors and lenders were betting on these loans failing its a bit of a conflict of interest and since the settlement you would think that it would not be so hard especially since they have recouped almost the entire loan amount in interest only, and my loan is still at 6.125 % and it was meant to be an adjustable after the 10 years and that is twice the going rate.
I dont think that making someone jump through hoops to get a fair shake is a good way to do business with someone who has worked hard and made my payments and now wants what is fair, and I know and you know whats fair would at any other time in the history of our country be much better that a rate reduction.
|
| 10/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
Great day to whomever is reading this ... ..
I am sorry I have to ask to be protected by law but it seems I have no choice, can you help? I would like to request the Laws to be enforced on my " Borrowers Right to Cancel '' and the Law Regulation X. this final rule implements Dodd-Frank Act sections addressing servicers ' obligations to correct errors asserted by mortgage loan borrowers ; to provide certain information requested by such borrowers ; and to provide 1 Public Law 111-203, 124 Stat. 1376 ( XX/XX/XXXX ). protections to such borrowers in connection with force-placed insurance. The lender manages my taxes, and insurance in escrow and it shows in the lenders escrow that they paid for the regular billed insurance and then forced placed others at the same time I had insurance, so I had insurance paid by lender when the forced placed insurance fraud and the refunds were never refunded in my escrow. I have all org. copies of evidence to show that the mortgage added XXXX from XX/XX/XXXX to XX/XX/XXXX and I paid for XX/XX/XXXX insurance that the mortgage is charging me on their paper work the lender is suing me and will not show clear and understandable cost and refunds of the forced placed insurance from total breakdown of cost. Plus the evidence the lender is using was the cancellation of that contract and the lender is with holding evidence from the fax cover sheet that had the cancellation on it. The evidence is easy to get from a third party called XXXX and the info on the issue was faxed on XX/XX/XXXX and the fax cover shows the cancellation and the mod. agreement attached just as the law states. So my request is to have these laws enforced before trail. I am sorry I have to ask for this request but I you can see I had no choice. Just asking for XXXX things from the lender, show in writing that anyone can understand on dates, policy numbers, and cost, and the total paper work on how the lender got possession of the XX/XX/XXXX mod agreement meaning the fax cover sheet with withheld evidence. Thank you so much XXXX XXXX
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX we received a mortgage payment bill but immediately saw it was a different company and a significant higher monthly payment. We contacted the new company PHH Mortgage - XXXX and requested clarification on what's happening with our increase mortgage cost since we are on a 30 year fixed. they proceeded to tell me the prior company had sent a financial review of the mortgage and the information sent indicated a significantly higher escrow amount ( annual tax and escrow acct balance ) than what I had just stated. They sent me a copy, within a week, of what the other company XXXX - XXXX had sent to them regarding our mortgage and they had significantly and fradulently quoted that our taxes were {$7200.00} when in actuality our taxes to be paid in 2021 are only {$5400.00} with the 1st install was paid on XXXX XX/XX/2021 of {$3500.00} by XXXX leaving only {$1800.00} due XXXX XXXX. As the result the new company Immediately began overcharging us {$1400.00} versus {$1100.00} with the prior company. At no time were we notified, by XXXX or any changes to our mortgage until we filed a complaint with XXXX and on XX/XX/2021 someone called to say that had sent us an update but couldn't document when or send us a copy. Our escrow needs to revised immediately and XXXX needs to be held accountable for fraudulent business practises. We have sent to PHH all the valid escrow tax and insurance date directly from XXXX COUNTY Illinois for the last 5 year period which document the actual taxes listed above. We have spoken to PHH over 5 times, sent all appropriate and requested documents, fax confirmations and this is still not taken care of. Since we have no recourse other than hiring an attorney ( too expensive ) we are placing our trust in your organization to hold one of both parties accountable. Since all the documents are hard copy I would be happy to fax, priority mail any and all copies that have been sent to PHH. Thank you in advance for yourhelp and consideration with this outrageous matter!
Sincerely, XXXX XXXX XXXX XXXX...
|
| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
After having my mortgage modified, This is my new contract 51 years to repay at 3.125 % interest rates. I've tried to refinance without getting assistance due to these terms. How can this be corrected?
PHH Mortgage Hello XXXX My Loan My Loan Your Loan balance is {$160000.00} 3.125 % Rate | Conventional | 51 Years Term How your recent payments were applied 32 % of your principal and interest payments Year to Date were applied towards principal. Making additional payments to your principal balance will reduce the amount of interest you will pay over the life of the loan.
68 % Interest Select a period of time.
Year to Date 32 % Principal Your Loan Started XX/XX/XXXX Your Loan Ends XXXX XXXX Remaining Payments 172 Prepaid Principal {$2200.00} You can own your home faster Learn more Prior Yr Principal Paid {$2000.00} Prior Yr Interest Paid {$4400.00} Some Things To Consider Having trouble paying your mortgage?
How can I contact PHH Mortgage?
What is the mailing address for sending an overnight payment?
When will I receive my year-end statement?
What are some of the common fees that may be charged or assessed to me during the servicing of my mortgage?
Looking for alternatives to foreclosure or to help with budgetary issues?
Payment History Show All Mortgage Escrow Advances Reversals Other Mortgage Payment Applied : XX/XX/XXXX {$950.00} Escrow Advance XX/XX/XXXX {$820.00} Tax Disbursement XX/XX/XXXX - {$820.00} View all Taxes and Insurance Current Escrow Balance As of XX/XX/XXXX Learn More - {$540.00} Escrow Account Payouts Show all Upcoming Year to date XXXX Tax XX/XX/XXXX {$840.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$820.00} View details Thinking About Refinancing?
XXXX is here to help you find the right home loan for your needs. Call us at XXXX to hear your options or get started online today.
Learn More PHH Mortgage PaymentMy HomeMy LoanMy NeighborhoodGoalsEducationTerms of UsePrivacy Policy XXXX PHH Mortgage All rights reserved Sent from my XXXX, XXXX XXXX smartphone
|
| 01/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
I completed a modification, things were going well. I called my servicer to make the payment for the next month and they told me the loan had a XXXX balance. I expressed to them that there must be a mistake. So I called again to speak with management I needed to see how this could happen and no one could assist. I contacted the department of veteran 's affairs to see what they were showing and they told me the same thing. Looked at my credit report and it stated the same thing. I then contacted the lender and they said the same thing and referred me back to the servicer. I called about XXXX times just to verify what I was being told, then I requested a letter to be sent stating that fact and they sent it. I received a XXXX from IRS stating that the debt had been forgiven and that I had to file it as income. So now the Department Of Veterans Affairs, Credit Report, Letter from the servicer, and the IRS have the same information that the debt has been forgiven. Ocwen finally returns the call and says they will investigate the matter, I told them after all of this I will take it as it is forgiven when should I expect a release of lean? They said they would call back. I received a letter a few months later stating that they made a mistake and I owed all this money in mortgage payments. I contacted an attorney. I am livid. Please tell me that this has happen to someone else. I almost feel like I should n't have said anything but my morals wo n't let me do it. I do have a strong value for integrity.
I bet they wrote it off and received a tax break, now they want to re-recoup. How fair is that to the homeowner. I am so tired of XXXX dollar companies robbing us ( the Veteran, the poor and middle class ). They should know better. This is ridiculous. They finally sent a letter acknowledging the mistake, put it back on my credit as delinquent, reported it to the VA that its delinquent and yet refuses to do what 's right. They should be made to honor the XXXX and let the forgiveness stand, they already received the tax break from it.
|
| 01/17/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
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I am XXXX XXXX XXXX and have owned my home for almost 28 years. I have suffered great stress from PHH Mortgage 's improper servicing of my reverse mortgage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing of their foreclosure lawsuit against me. PHH placed very expensive, forced-placed insurance on my property. PHH offered me a repayment plan for my property charges on XX/XX/2022. I accepted and timely executed the repayment plan on or before XX/XX/2022. I timely made regular monthly payments under my repayment agreement through XX/XX/2022. Despite my acceptance and performance, XXXX and PHH went ahead and filed a foreclosure action on XX/XX/2022 and continue to maintain the lawsuit while accepting my payments. PHH rejected my payments starting in XX/XX/2022. I applied for an At Risk Extension and PHH received the application with my budget and doctor 's letter on XX/XX/2022. PHH has yet to process my At Risk Extension request and continues to maintain the foreclosure lawsuit. I sent PHH three Notices of Error and Requests for Information on XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not receive a response until XX/XX/2022. It is a partial response. Amidst all of this, PHH has also refused multiple times to accept Releases that I properly executed authorizing my attorney of record to communicate with PHH on my behalf. PHH continuously created unnecessary delays. In XX/XX/2022, I asked for a Reinstatement Letter to cure the amounts in default. I timely sent full payment of the amounts in the reinstatement/cure notice via third party payment as instructed by XXXXXXXX XXXXs counsel. The instructions for payment by XXXX listed an incorrect account number. PHH has held onto the default cure check for almost a month and is refusing to deposit the funds to my loan. Not only has PHH broken our contract for repayment, but PHH has refused to process every single attempt that I have made to resolve the loan default and cease litigation of the foreclosure action. To date, the lawsuit is still moving towards foreclosure of my home.
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| 10/04/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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n XX/XX/XXXX we were finishing up on what was difficult to get modification and I XXXX XXXX all payments with correct amounts yet last one was rejected by ocwen and I had to get it back and resend than I had to verify that that was the amount owed and now that I had to reapply for modification. we were told application would be sent and nothing than after several calls now closer to XXXX there was a sale dateXX/XX/XXXX now several calls to higher up and assistance by XXXX XXXX a real estate agent and legal assistant we stopped it. we had verified all documents were received and still waiting. since they delayed we needed updated information. than XX/XX/XXXX we are informed my father was in BK which he wasn't. Ocwen refused to speak to us and never informed us further until late XX/XX/XXXX. an agent slipped agent from ocwen XXXX XXXX said a bankruptcy case # XXXX, lawyer XXXX XXXX. XXXX XXXX XXXX that a cease ans desist was placed on ocwen loan XXXX XXXX XXXX/ XXXX XXXX XXXX so now after 10 months of them refusing any kind of communication with us that we now have to resubmit modification documents in which submitted over 36 times with confirmation was received than need information to trying to stop sale dates. now we don't qualify due to second etc. so under duress we requested to short sale and submitted all documents now 2nd note wasforgiven and and all papers have been signed about 6 to 7 times a confirmation all docs received now a deed in which was submitted in XX/XX/XXXX ocwen agent XXXX that laws changed and that deed for XXXX XXXX is fake and that we provided false document in which it is valid recorded and this is now beyond we have signed over 5 times and submitted since XX/XX/XXXX and still I filed a complaint with the abundance department I don't know what to do anymore I need assistance and there are too many documents to submit I can and will mail to address filed for modification over 36 times on shortsale it states we never requested modification in which we did at this point we just signed under duress.
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| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Account/Loan number XXXX Information about the company Indymac Mortgage Services i have filed a case already but since XX/XX/2016 there is still no response to the complain.
they have given fraudulent paper regarding ownership of the mortgage. how can there be 2 owners? next the mortgage was in a ny trust and the trust laws where violated and broken! never filed correctly! these are also sec violation and also have irs violations. how can they even be selling my mortgage in a trust that has been paid out on by insurance? double dipping? insurance fraud! these are jusrt a few if the issues and they are trying to foreclose.
next is the fact i received a satisfaction of mortgage from them? not they are not honoring that? i had received letter telling me this would happen but nothing happened till i told their 1st esq about it and showed them the fraud they were complicit in with the sec fraud and ny trust law fraud.
next they want me to sign modification paper on # that make no sense! fees added for things again are fraudulent. all the reports have not been received by me but charged out to me. they used unlicensed people to do BPO reports. This is a $ 23-25,000.00 fine for each occurrence. i have 100 's of these. also still have not sent me all the report etc ... ..that they are charging me for! how can they want me to pay for this stuff and the accounting which is totally wrong. it is not my fault they take years to do this and cant get info together yet want to keep charging.
federal fair trade commission says they have 30 days to get back to me? it is XXXX!!!!! not a letter from them about this etc ... except they now will not do a modification. again how can you do a modification if you cant get doc 's and charges together? there is no correct total then how can you even start a modification? again cart before the horse.
there is just one thing after another here! they have put me out of business with lies and caused so much XXXX i ca n't even go into it.
all the paper work was attached to the case still open.
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| 09/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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We received a permanent HAMP approval for our first mortgage on XXXX XXXX, XXXX. In accordance to HAMP 2MP, the bank/servicer has an obligation to review the borrower 's XXXX lien, offer a trial period on same, and or extinguish or reduce payments on it ( rate/principal/term waterfall ) in proportion to the HAMP granted first lien.
Our XXXX mortgage lender, XXXX, is required to report the permanent modification using the HAMP Reporting Tool. Our XXXX mortgage lender GMAC, serviced by an XXXX Call Center in XXXX, keeps transferring me to Ocwen 's Collection Agency or XXXX . They finally advised me that the XXXX mortgage was " written off '' to their affiliated collection company, XXXX XXXX, back in XXXX of XXXX and there is a XXXX balance as it relates to Ocwen. I am cognizant that " write off '' is an accounting terminology and by no way removes the lien or debt.
Back in XXXX of this year, XXXX XXXX sent us an offer to settle just after we had been verbally approved for our HAMP permanent modification in XXXX of XXXX but had not yet received the attached documents.
I reviewed the mortgages and liens via our county 's Comptroller 's Office and Ocwen nor GMAC ever processed a lien on our property in addition to the original mortgage.
Please note, both the XXXX and XXXX mortgage were DISCHARGED AND NOT REAFFIRMED in bankruptcy under Chapter XXXX back in XXXX.
I have taken the initiative to fax the HAMP permanent modification approval to Ocwen and can not verify receipt of the fax as the loss mitigation department will not speak to me.
We were advised that the HAMP has to be " matched '' and the Department of Treasury has to officially notify GMAC/XXXX. However, no one can verify nor deny that our HAMP approval on our XXXX mortgage was reported and reflected in the Lender Processing Services ' Applied Analytics Division ( LPS ) data base.
Our HAMP permanent modification on our XXXX mortgage has " fallen through the cracks '' and no one can assist us as to the status of the tandem 2MP process.
We seek your help!
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| 08/28/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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We are sending a Notice of Error as noted below.
On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account.
On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled.
From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report.
On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account
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| 08/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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From XX/XX/XXXX we were unable to pay mortgage payments due to a severe injury to my leg. I lost my job as a XXXX because I was temporarily XXXX and in a XXXX. I applied for COVID-19 relief due to my severe illness. In XXXX XXXX I was able to become fully employed again after being out of work since XXXX XXXX because of my injuries and subsequent illnesses.
Started working on a loan modification with PHH Mortgage in XX/XX/XXXX. They have made this process impossible due to lack of access to people that are able to help with this process. PHH claims every time you call that you didnt send paperwork ( all paperwork was sent via email, we have these ), didnt fill out a small detail, ( this had been given on previous occasions ), it wasnt there on time ( when it was sent the day it was requested ), now they claim I dont occupy the house, ( have lived in this home for 20 years and is my primary residence ). This company has no intention on fixing this situation when we have the income now and the means to easily stay in this home.
They want to foreclose on this home and will not communicate any terms or modifications with us so we can resolve this problem for over 8 months. They send a letter with a request for more paperwork and it arrives so long after the fact that they tell us we have to start all over. Even when we have sent the information and called them to update any needs. All calls are answered in XXXX with severe language barriers and no one knows what is happening because it is never the same individual, they just tell you to call back in a week and they have done nothing.
We owed {$180000.00} on this home when this started. We have no access to any records on this home now as they have removed all access to our loan.
This company is the most fraudulent company I have ever dealt with in my lifetime. They have been sued over and over again for these practices and no one will help homeowners!!! This company does not deserve to be in business, they are hurt so many people that are unable to fight for themselves.
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| 06/02/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Im concerned that the lack of communication with PHH Mortgage Services, which is placing my residence at risk for foreclosure. I was behind two months prior to COVID-19. I reached out to the lender for forbearance as recommended by financial experts as a result of COVID-19. I received an email, dated XX/XX/XXXX, which appeared to indicate that my forbearance request had been approved. I sent two months ( XXXX & XX/XX/XXXX ) payments with the stimulus money I received via bill pay through my bank. However, the payments were returned by the lender. I have been unable to access the mortgage account online. Im also pursuing unemployment benefits and am awaiting payments.
I spoke with two representatives, on XX/XX/XXXX, in an attempt to get answers to my concerns. The first agent ( XXXX XXXX was unable to answer my questions regarding why my payments were returned and the deferred balance that is represented on the monthly statement for XX/XX/XXXX. Acknowledging that she was unable to answer my questions she transferred me to her supervisor, XXXX ( Agent XXXX ), who informed me that the payments were not accepted because of a Notice of Intent, which he explained to me the meaning. I explained to him that I had not received a Notice of Intent and the decision I received from the mortgage company informing me that the forbearance request had been accepted. He assured me that he would email the Notice of Intent, which I have yet to receive. He also advised me that the forbearance was not approved. We also discussed the Deferred balance that is reflecting on the account which is close to the cancellation of debt ( XXXX ) by Ocwen which PHH Mortgage Services is a subsidiary. This account was included in a lawsuit filed against Ocwen for failing to process a loan modification request. His response was the regular principal balance and the deferred principal balance equals the outstanding principal balance on the account. Im not sure if Im being charged an interest rate for both balances as opposed to the one outstanding balance.
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| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We were able to get into a repayment plan with PHH after sending them XXXX in XXXX. We made our first installment payment on XX/XX/XXXX, then the following month XXXX PHH claimed they got payment on the XXXX of XXXX. XXXX, our representative, fixed this, knowing our payment was received between XX/XX/XXXX and XXXX. He was able to get us back on the repayment plan. After asking if we could make payment by phone without getting charged, he said he would waive the fee. He processed our payment by phone in XXXX and XXXX without charging us. Yesterday, talking with XXXX, and he told me our account is no longer on a repayment plan. He assured me he emailed the proper person to get it fixed and that he would call me either that day, XX/XX/XXXX, or today. As of the time of this complaint, I left a message with XXXX to see what is happening so we can make a payment.
I feel XXXX has been accepted to work with us and has accommodated us by not charging a fee to pay over the phone ( I still find this ridiculous that they can charge a price to pay the mortgage over the phone ). Mailing payments proves to be an archaic and unreliable method to pay PHH. The first two months, I mailed the check two weeks early from the first of the following month.
The bottom line, I feel PHH is not a trustworthy company. However, since returning to a repayment plan, we have made our payments on time. Even more curious is that we never received an official repayment plan agreement, just an email from XXXX saying we are on one.
We are stressed enough to make our budget work during the repayment plan, which, right now, we are paying XXXX per month. The regular mortgage payment is XXXX, and to have this added stress is not correct, especially since we have been doing what we should be doing.
Bottom line I just feel PHH is not a trust worthy company we have made our payments on time since going back on a repayment plan. What is even more curious we never did receive an official repayment plan agreement just an email from XXXX saying we are on one.
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| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Our mortgage was with Ocwen during foreclosure proceedings it was sold/merged with PHH Mortgage. We were able to work out a trial modification agreement with PHH Mortgage for the months of XXXX/XXXX/XXXX 2019. We completed those payments and waited for approval for the final modification. We additionally made XXXX and XXXX payments as well. We were informed of approval for final modification, signed and returned to PHH as they required. During the time of XXXX & XXXX we had tried to access our account online with great difficulty, eventually PHH system was working and we reviewed our information which was incorrect. We sent several emails through the " contact us '' email on their site. In addition, the website would not allow us to make payments online stating we were " past due '' owing XXXX & XXXX payments and to contact customer service. Each time we emailed informing them that our account information was incorrect and needed to be updated with payments amount, payments made and to allow us to make payments online. Slowly, some of the information was updated however, a majority continues to be incorrect. At this time, we are reviewing our credit report information as well which PHH has not corrected their reporting of our current situation even after disputing it with the credit bureau. PHH has our online account indicating we are over 40 days late, yet shows our XXXX payment received. The modification agreement indicates our new monthly payment is {$1000.00} however, PHH continues to list our payment as {$1400.00} and reporting that same wrong information to the credit bureau. Again, more incorrect information. Furthermore, the credit bureau is reporting late payments for XXXX/XXXX/XXXX/XXXX which all were previously made as per the trial modification. Had these payments not been made we would not have been offered the final modification. Since the modification has been granted and completed the loan is no longer past due those months. This same information needs to be corrected with all credit bureaus as well.
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| 10/26/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Older American |
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My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX.
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX.
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage.
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX.
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS.
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX.
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties.
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!
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| 05/12/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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I had a XXXX and XXXX mortgage with GMAC in XX/XX/XXXX. I received a modification from GMAC in XX/XX/XXXX and was notified of the new loan balance and payments. I began receiving monthly statements reflecting the agreed upon terms. There was no specific mention to the XXXX not being included in the modification and I never received another statement on that loan. It was my understanding that if had been rolled into the new loan. When GMAC ceased operations my loan was transferred to Ocwen and I began receiving loan statements from them. I asked Ocwen if they were aware of a XXXX loan and was told that they had no record of another loan. For the whole time period since the modification was granted I have never received a statement of any sort indicating that the XXXX loan still existed or what the status of that loan might be. On XXXX XXXX XXXX Ocwen sold/transferred a XXXX trust deed on my property to XXXX XXXX and they immediately filed a Notice of Default with no attempt to contact me. I am now suddenly {$50000.00} in arrears on a loan I could not locate and had no idea who/how to pay over the last XXXX years. I am being forced into default. At any time over the last 6 years did anyone who held this trust deed have a responcibility to notify me, send me statements or in any other way facilitate my repayment of this debt obligation?????? It was my understanding that when a loan is transferred to a different servicer notice is required. My XXXX is and has been paid as agreed and I am now at risk to lose my house to foreclosure. Had GMAC been upfront about the terms of the modification, had Ocwen honestly told me they held the loan, or had I been notified of who and where and what to pay at any time over the last 6 years this would not be happening. I am not attempting to shirk a legitimate debt but feel that numerous parties actions over the last 6 years have not been upfront or with complete transparency. I was not provided the information with which to satisfy my obligations so that others could financially benefit.
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| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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I have been harassed for over 5 years and it will not stop by the Mortgage Co. ( Ocwen ) with phone calls from people in another country when my loan is not late and has not been late in over 5 years. I have submitted several letters telling them to stop and advised over the phone to stop calling me. I got sick and had XXXX in XXXX XXXX and several months prior I had I applied for a loan medication thru another Company ( XXXX XXXX ), Ocwen refused to modify my loan and started calling me and sending me mail to send the same information over and over again. When the information was sent they would call me at home and request the same info again and would not stop. I would give the information the XXXX and they would forward it to Ocwen and they would continue to call me. I had advised them to stop calling me and to contact the Company I applied for the modification with. I showed proof of my Social Security statement and was told they wanted proof when my check was cashed or deposited because people lie and have saving account. I had XXXX and they started calling me right after I got out of the hospital for the same information all over again, I told the caller ( someone from another country ) do not call my house and I could not talk and to contact the Company I applied for the modification with and do not contact me again. They would not stop until I faxed a letter to them to stop. I have several copies of letters asking them to stop calling me from another country, I can not understand them. My Mortgage is not late and I just received a letter from Ocwen advising me my mortgage payment will be increased effective XXXX XXXX, XXXX. I refused all contact with them after I has XXXX and faxed the letter in XXXX XXXX to advise them it does not take a year to modify a loan and I plan to file a Law Suite against them. I received a letter on XXXX XXXX, XXXX to increase the mortgage payment with the same interest rate as before. I have not talked to or contacted anyone at Ocwen or the XXXX XXXX XXXX since I faxed the letter.
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| 11/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.
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| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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Regarding XXXX, XXXX PHH Mortgage Services, Mtg. Loan No. XXXX. I applied for and received an initial COVID19 forebearance, although I never got behind on my mortgage during this initial period of 3 month XXXX or XX/XX/XXXX. After the first period expired, because we were still under pandemic and few people had gotten shots in XX/XX/XXXX a representative of PHH Mortgage Services called me and extended the courtesy of extending another 90 day period of Covid19 forebearance of which I went through the steps and accepted. I paid XXXX 's payment late because knowing I had the forebearance and nothing would report negatively on my credit bureau, I was about 45 days instead of under 30 days paying this payment. I got caught up on outstanding debts in XXXX and paid XXXX 's payment around XX/XX/XXXX or XXXX and then paid XX/XX/XXXX payment around XX/XX/XXXX which my account reflects this and show a due dated of XX/XX/XXXX. When I checked my credit PHH has reported my mortgage payment delinquent for XX/XX/XXXX. I called them and advised them they offered and I accepted the COVID19 forbearance for new 90 day period and they were not supposed to show my account delinquent. They then advised me I was NOT under XXXX forbearance. I asked them " how could this be? '' when they called me and we took care of putting the forbearance on my account per their discretion. They were rude and put me on hold and never came back to the phone. I am very upset about this reporting especially because they extended the " olive branch '' and offered me another forbearance just in case I needed it and now they have not put it on my file and have wrecked my credit bureau file. I need this fixed and I also need a complete payment history of this loan form XXXX through current because something is wrong. This loan is over 18 years old and the balance is up not down. the principle balance started at {$52000.00}. and is currently {$54000.00}. I don't understand. I know I had a medical hardship, and I struggled for a while, but payments were being made.
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| 05/29/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I understand some pretender lender loan servicers use cozy relationships with employees and cozy relationships with shady lawyers to help with embezzlement cover-up's.. The big question under oath will be, are some opposing counsels committing fraud upon the court claiming to have personal knowledge and have looked at all the manufactured documents to assist troubled pretender lender loan servicer 's with financial crimes. We all know the laws allow plaintiffs the right to have a fair jury trial to prove cases with evidence. The big question that continues to go unanswered, is opposing counsel spinning the laws to attempt to take away plaintiffs rights to have color copies of all the so-called original loan documents that have been so called notarized? One would think a honest lawyer would provide the plaintiff with documents that the plaintiff is entitled to without response threats. One wonders who all the parties really are who are out to desperately embezzle my property. We all know many lawyers have been disbarred and jailed for financial crimes. We all know the FBI investigates and jails criminals for financial crimes. When is opposing counsel going respond to my consumer complaint without spins and provide me with color copies of all the so-called original loan documents that have been so-called notarized that I am entitled to. The other question that continues to go unanswered all of these years is, when is opposing counsel going to allow my FBI forensic expert access to the so-called original documents, including the so-called original note and the original void assignment that was signed off by XXXX and XXXX employee just days before the pretender lender counsel filed its bogus lawsuit to pretend to be a party of interest then committing fraud upon the court? I look forward unwinding all the injustice with evidence. I look forward to the CFPB enforcement findings. I look forward to a jury trial. I look forward providing the California State Bar enforcement division with evidence after I am awarded damages.
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| 08/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XXXX of XX/XX/XXXXI received XXXX but after XXXX payments the XXXX XXXX XXXX messed up my XXXX XXXX payments because they forgot to update my XXXX XXXX XXXX service plan. I contacted ocwen and explained what happen so we ended up being behind. It took untilXX/XX/XXXX for ocwen to give us a loan modification which was double of what we had on XXXX. So we started paying the loan modification but after XXXX payments we noticed that our payments were n't being applied to our loan it was just sitting there in limbo. They did take about XXXX out of the payments. Then we found out they had started the foreclosure process. I stayed in contact with my contact XXXX XXXX. It took months and they told us to reapply for the modification. Now our fees kept adding up. From a XXXX loan it 's now over XXXX loan .so we gathered our paperwork in may and reapplied. We received a letter saying they received all our paperwork and then it would take XXXX days. The very next day we received a letter that we were denied. But we could appeal. So I gathered all the paperwork within the XXXX days. They said it would be reviewed within a couple of days we were denied because they said it was our XXXX attempt. We did n't want to re apply we wanted out payments to be applied. This could have been rectified last summer. Now I 'm going to send in our XXXX appeal and I 'm sure we will get denied. Also our original loan put my XXXX name on our loan. We bought the house from him. They put him on without any of us knowing including my XXXX. They said that was the only way we could get the loan. So if we could make the payments he would be responsible for it. We never were told andmy XXXX has since XXXX XXXX. And they have taken his name off just recently.also we have an XXXX XXXX out of XXXX XXXX who is now going through XXXX and XXXX XXXX because XXXX are coming to our home and taking pictures of the house and looking at the house. He thinks people are coming to take him back to XXXX. Of course they have posted our home on XXXX. That 's reassuring.
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| 07/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My complaint is with PHH MORTGAGE. I have been trying to get a modification completed with this company for 3 1/2 months!!! XXXX mid XXXX XXXX They have done nothing but delay week after week, asking for yet another document or verification.
The letters they send XXXX from XXXX XXXX XXXX state I can always get a hold of my relationship manager XXXX XXXX, whom I have never ever spoke or heard from. The calls go to another country which is just a call center that PHH MORTGAGE has. If I ask, " ok do you have all the documents now? the answer is yes ... call back Friday. When I call back on Friday I am told oh now we need ... ..another item ... and the weeks keep just rolling by causing undo stress and pressure.
They continually will ask for ONE document every week such as a Letter of Explanation, a verification of a tenant that is XXXX XXXX and is he the same as XXXX XXXX? They should be put out of business for their tactics.
**Time is of the essence as my mortgage payment is about to escalate to almost $ XXXX/mth ( currently I am paying almost {$3200.00} ) as of XX/XX/2021. I can not maintain that amount. I am in good standing with my current loan, never been late. I have a full time federal job, another part time job and 3 tenants that contribute rental income.
There is absolutely no reason for this modification to not be completed. I contacted XXXX and there are countless complaints against this company for doing exactly what I am going through. Since contacting XXXX ( which XX/XX/XXXX XXXX stated they had submitted my complaint to them ) I have not been able to reach a live person with PHH, the calls are transferred to a voicemail of someone called XXXX who will call back within 24 hours ... and NEVER has.
The last request was for a " financial statement '' which was already included in their RMA ( Request for Mortgage Assistance ) the week before.
I have raised my XXXX children in this home and have poured blood, sweat and tears into this place we call HOME. I do not want to lose my home, please help me.
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| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My ex-husband had deeded and titled the property to me with the agreement he would be removed from the mortgage and be absolved from all responsibility of the property. Upon making the payment as the sole resident of the property since XX/XX/XXXX, I had then submitted proof to GMAC who was the then mortgage holder that I was the sole person responsible for the mortgage. I was then given an assumption by GMAC removing my ex husband from the mortgage statements, tax statements and credit reporting. I had an adjustable mortgage at the time and had been alarmed by a sudden hike in my mortgage in XX/XX/XXXXand had applied for a loan modification. I also had to submit proof I was the sole owner of the said property and was granted a modification as such. GMAC then sold my loan to OCWEN who had initially been sending my tax and mortgage statements with my name solely on the documents. Then suddenly in XX/XX/XXXX, the same year they had taken over. My ex husbands name had started to reappear on my tax statements and then my mortgage statements again. When I addressed OCWEN about this situation they claimed at first they hadn't received all of the documents related to my account from GMAC and it would take months to receive all documents. I waited for many months which turned into years and tried to revisit the situation again. OCWEN then had a representative send me a letter stating they saw the assumption paperwork but since it had not been completed they placed my ex husbands name back onto my account and also started reporting on his credit again. Since this was a violation of our agreement and court decision in Family Court my ex husband has taken action which a Family Court Judge had threatened sanctions on me if I do not correct this issue within 120 days from XX/XX/XXXX. During that prior court proceeding last year dated XX/XX/XXXX, the judge did decide I had shown sufficient proof I had attempted to do what the agreement claimed. My ex husband has since re married and has a mortgage currently with his current wife.
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| 11/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts.
Thank you, XXXX
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| 02/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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We purchased our home in XXXX for {$100000.00}. In these 18 years we have absolutely nothing to show for it because we now owe {$160000.00} because of mortgage fees, etc. Our loan has a huge " Balloon '' payment due at maturity. In XXXX we were granted a modification with Ocwen. At that time, we were told that Ocwen would " forgive '' roughly {$40000.00} of our " underwater '' mortgage if we kept up with our payments for a specified time. This " forgiveness '' was part of a Settlement that Ocwen had to comply with. During this modification, we lapsed in payment and were told that the " forgiveness '' was null and void. A couple of months later, their lawyer contacted us & scheduled " meetings '' with the court over the phone with me. During those meetings, Ocwen decided to offer a new payment ( {$830.00} ) to us which was {$250.00} HIGHER than our previous payment. I brought this to their attention on the phone meeting with Ocwen, their lawyer and a court magistrate. I was told by the Ocwen representative that the higher payment was because they were purposely punishing me because of the default on our loan modification. I was dumbfounded. Their lawyer and the magistrate heard this as well and I'm sure this conversation was recorded. We tried making this higher payment but ran into problems when both of our vehicles needed repair. We ended up having to replace one of them and, since we have bad credit, are paying a very high car payment because no other options were available. We both work in different cities and having 2 cars is a must so we can work and provide for ourselves as well as our XXXX children. We're tired of being bullied by Ocwen. We now owe {$160000.00} on our {$100000.00} XXXX XXXX XXXX on XXXX of an acre which is in so much need of repair that we can't afford that either. We want to stay in our home. We want to be able to COMFORTABLY afford the payment. We don't feel we should be penalized by Ocwen any longer. We want the settlement that is owed to us. We want a lower payment. We want to be heard.
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| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am so upset right now. My loan was transferred to PHH as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to PHH effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my mod is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the manager it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that PHH illegally reported my account as 120+ days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
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| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XXXX XXXX , XXXX my car broke down major problem with engine I called Ocwen to let them know my XXXX payment would be late and I would have the money by XXXX XXXX , XXXX and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on XXXX XXXX , XXXX I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight XXXX XXXX by the XXXX of the month you are not late. I found out last week they reported me 30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on XXXX XXXX , XXXX XXXX & XXXX I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the Mass Attorney Generals office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for XXXX I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay XXXX and get it there by the XXXX if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.
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| 09/10/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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My mortgage is with Ocwen currently but they just sold it to a debt collector. I am still in Chapter XXXX bankruptcy which is in good standing and was started XX/XX/XXXX. The chapter XXXX is paying back the pre petition payments and I also had 4 months of post potition payments due. To cure the XXXX months of post petition I mailed a check for the amount of {$5000.00}. This cured all post petitton requirements. This payment was made and logged by Ocwen on my XX/XX/XXXX tax forms on XX/XX/XXXX. On XX/XX/XXXX Ocwen then reversed the charge with no reason. When I called they said that they will not count this payment till the chapter XXXX bankruptcy has been finalized so they are reflecting my payments as being 4 months behind currently. They just sold the debt off to a debt collector agency who is asking that I cure the {$5000.00} plus penalties as Ocwen has not sent them record of the payment. When I checked into this with Ocwen they informed me that they have decided to retain this payment as a fee and not reflect it onto my account. They said that per the bankruptcy guidelines they are allowed to do this. When I checked with my lawyer he said that is not legal and they would have had to keep the funds in an escrow account if they decided not to post it which must be interest bearing. Ocwen informed me that they have not done this.
Now the new company that was sold the mortgage wants me to cure the 4 months as well and when requested for Ocwen to refund the moneys they do not respond.
I have been trying to correct this with Ocwen for years and I have a list of letters from them XXXX even stating that they corrected the issue and brought the account current but then they went back and pushed me back XXXX months again after sending the letter with no explanation.
My loan number is XXXXUnfortunately I am now at a point where communication with Ocwen is not yielding any results and I either need my payment applied to my account or a refund plus interest so that I can cure the amount with the new mortgage holder
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| 10/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I was made aware by Newrez XXXX XXXXXXXX XXXX XXXX that I will have additional payments for monthly Escrow shortage in XX/XX/XXXX due to 3 months lapse in property insurance the ending of XXXX and the company placed insurance on the property. The total amount of the escrow was going to be {$1000.00}. The option was given me to pay the entire shortage amount prior to the month of XXXX of {$1000.00} or to pay an additional amount in my monthly mortgage of {$83.00}. On XX/XX/XXXX, I made a payment in the amount of {$1000.00}. Unbeknownst to me the payment was sent to principle and not escrow as per request on the check. Per representative of the bank who I spoke to in XXXX after receiving a late notice ; the payment made in XXXX was allocated to extra principle. I did not look on my statement from the bank until XXXX as I know my mortgage amount is fixed ( I pay my own taxes and insurance ) and saw I was being charged {$83.00} monthly and now my account has a past due amount of {$2100.00} of which {$410.00} was for unpaid late charges. My mortgage is paid before the tenth of each month. I spoke to another representative who told me they were not able to reverse the money that was sent to principle in XXXX because the request was not made within 30 days of payment. On XX/XX/XXXX, I made a payment for my monthly mortgage amount of {$1600.00} and two days later XX/XX/XXXX an additional amount of {$1600.00}. I called the company close to the ending of the month of XXXX to ensure the extra payment was allocated to the right department. Again, it was not sent to the right department. My request was made before the 30 days time and I requested an adjustment. The representative stated they had to do an analysis and a refund will be issued to me for the overage. I called again XX/XX/XXXX, and was informed the refund was being process. I look at my statement again XX/XX/XXXX and again the adjustment was not done. Spoke to several representative XX/XX/XXXX which included a manager and again they have to do another analysis.
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| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX thank you for any assistance good luck trying to get legitimate answers.
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| 04/04/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I hold a mortgage with Ocwen Mortgage company. Since XXXX, I have been behind my paying my mortgage. I have contacted them telling them my husband 's company was slow in his XXXX but we should be able to catch up. In XXXX, I tried to make a payment to their website where I have established an account but I could not go through successfully. When I contacted an agent, the agent advised me to do it through XXXX XXXX and assisted me in doing it. A few days later, Ocwen sent me a mail telling me that I should include my accoutn # on the XXXX XXXX payment which is odd because the payment was made with the assistance of an agent. Fearing that that something was not right, I went on and paid through my bank account and it went through. On XXXX XXXX, I called the automatic phone line of Ocwen and initiated an automatic payment. I received an email confirmation that the payment was received. But for days, I noticed the money has not been cashed out of my account. I called Ocwen and talked to an agent and asked why the money has not been cashed out. The agent told me that it will be posted. I wanted to make another payment before the XXXX of XXXX but I was worried that the last payment has not been cashed out. On XXXX XXXX, I received a call from someone identifying himself as an Ocwen representatitve. His first sentence was that the conversation was going to be recorded. Unsure of who that person was, I informed the agent that I was going to record the conversation too. The agent hung up the phone on me. What ensued after this incident was a cascade of conversations with Ocwen representatives depicting lies and excuses for not receiving the payments as posted. I offered to pay some other way besides XXXX XXXX or the automatic vocie mail to bring my account somewhat up to date. I was refused to do so and I was accused of putting the wrong information causing their intake system to reject my payments. I was told that I had passed my 90-day limit and could not pay at all. This has caused a lot of frustration and distress.
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| 12/02/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I started the modification process in May with PHH Mortgage Company. I started sending documentation through their online portal. I called often to check on the status of my modification package and each time I was told I was missing documentation, that was already sent. I would resend the requested documentation and follow up with a call where I was told that I had other documentation missing. This continued until XXXX. In XXXX I was locked out of the online portal which said the username and password were wrong. I tried changing the password and eventually called the tech help number. They told me they couldn't get me into the portal. At that point I called and got the paperwork to resubmit the ENTIRE package again, this time through email. Again, I was told repeatedly that I had missing paperwork and that I submitted the " old '' hardship paperwork. I turned in the " new '' hardship paperwork and waited. When I called to follow up I asked to talk to a supervisor. I was put on with a supervisor that immediately emailed me the " new '' hardship paperwork in which I immediately filled out and sent back to her. I called on XX/XX/2019 to follow up and she said the dates were wrong and that I needed to send in the tax returns page 2 again. I did so immediately and she emailed me back that everything was in and and she was going to be out of the office until after XXXX and she would get in touch with me on Friday after XXXX when she returned to work. I never heard from her on Friday the XXXX in which I emailed her but the email came back that the email address didn't exist. I called her direct line today and extension and it said the number was disconnected. Throughout this whole process I was assigned a " relationship manager '' in which I never spoke to once. I spoke to someone different each time I called. I asked to have an appointment with the " relationship manager '' and was told they do not make appointments. I received a certified letter on XX/XX/2019 and summons papers that my house is in foreclosure.
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| 09/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?
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| 12/19/2019 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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My home mortgage went into forbearance and was assumed by Ocwen on XXXX and then PHH on XX/XX/XXXX My mortgage went into forbearance and was assumed by Ocwen on XXXX and I struggled making payments from that time until XXXX. I began making timely payments by making payments before they were due usually at the end of the previous month. On XX/XX/XXXX, I received notice that Ocwen had sold the remaining debt to PHH a subsidiary of Ocwen and that for the transfer period of 60 days no payments would be considered late. On or about XX/XX/XXXX PHH alleged I missed XX/XX/XXXX payment, when I proved it was paid, they then claimed I missed XX/XX/XXXX payment, I have evidence proving that the payment was made to Ocwen for the months of XXXX and XX/XX/XXXX. On or about XX/XX/XXXX PHH then alleged I missed XX/XX/XXXX payment, I said I have proof I paid that the end of XX/XX/XXXX. Then on XX/XX/XXXX PHH alleged I missed XXXX payment, at that point I demanded a through payment history and found the PHH started my account in XX/XX/XXXX instead of XXXX making me a month behind although they have been paid. In the payment history on XX/XX/XXXX PHH charges me for seven ( 7 ) Certified Mail fees totalling {$37.00}, Attorney and Collection Fee 's in the total amount of {$660.00}, Bankruptcy Expense {$150.00}, Stipulation Setup {$200.00}, Foreclosure Costs {$2600.00}, Property Valuation {$450.00}, Title Report {$450.00}, Property Inspection {$36.00}, Certified Mail Cost {$4.00}, and Late Charge {$690.00}, totalling {$5200.00} all of that in just the first 30 days. PHH in essence refinanced the loan without my knowledge or consent. The house was never included in any bankruptcy proceedings so the bankruptcy fee 's are fabricated. There was never any inspections conducted and certainly no certified mail received from PHH ( in fact PHH was unable to provide a single USPS Tracking number ), I was unaware of any Attorney & Collections Fee 's that I agreed to pay. As of XX/XX/XXXX PHH is refusing to allow me to make a payment online.
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| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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To Whom It May Concern, This is a letter to explain the reason I fell behind on my mortgage payment. In XXXX my husband fell is and had to be admitted into a XXXX home because I was unable to care for him. Having XXXX income at that time and the unfortunate circumstances caused me to fall behind in my mortgage payments. In XXXX due to unforeseen circumstances my husband passed away of XXXX on XX/XX/XXXX. I trusted someone to help me with my mortgage but because of the language barrier I paid XXXX XXXX XXXX over {$20000.00} for mortgage assistance. He was telling me the mortgage company needed payments. Later I learned this individual was power of attorney on my mortgage and the monies I gave to him for payments towards my mortgage was never applied because the mortgage company does not accept payments on an active foreclosure loan. These last 5 years has been detrimental for me and my family and I dont know where I will go at this age if I dont get some sort of assistance. No one explained I could have gotten a Covid-19 forbearance nor provided any information as to how I can begin making my payments again. Its as though instead of assisting to find a solution the mortgage company is trying to take my home and leave me homeless. Please help me save my home because I do not want to be on the streets at my age now being a XXXX citizen. I have tried relentlessly to get a workout from PHH Mortgage and they have denied me every time. I later learned that there were Covid-19 forbearances and other programs to assist borrowers like myself but I was not offered any programs to help me get back on track. As a XXXX citizen I feel as though I am being discriminated against due to my age. There are my other people younger than me that have gotten workouts from PHH after falling behind but I have yet to receive any assistance from this company. Can you please help me stay in my home? I dont want to be homeless at this stage in my life. Thanks for your assistance in advance.
Loan number XXXX.
Best Regards XXXX XXXX
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| 05/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have lived in our house since we built it in XX/XX/XXXX. We have paid off a second mortgage in full, paid property taxes and homeowners insurance on time and in full with no escrow account. We have NEVER been late or missed a mortgage payment. Since OCWEN became our mortgage servicer, we have encountered nothing but problems.
On or about XX/XX/XXXX I received a call from OCWEN stating that they were offering a service to mortgage holders in good standing who have owned their home for over 15 years. They were going to pay the taxes and insurance for calendar XXXX and apply those payments to the back of our mortgage. When I asked what the catch was, I was told there would be no catch, this was a company marketing effort to enhance good will with our customers.
While I was HIGHLY suspicious, and should have know better based on my earlier problems with OCWEN, I agreed to the promotion.
As I expected, OCWEN did not do as they promised. Our taxes were due on XX/XX/XXXX and were not paid. I called OCWEN and was told that tax payments were paid in bulk and there are times when the county doesn't apply the payments in a timely manner. I was told to " rest easy '' as the taxes had been paid.
On XX/XX/XXXX I called the XXXX County Tax Office and was told that the taxes had not been paid. I again called OCWEN and was told that they had been processed.
OCWEN finally paid the taxes on XX/XX/XXXX. Penalties and interest were assessed as the taxes were paid 145 days late. I again called OCWEN and was told that it was a clerical mistake at XXXX County and that the original payment had been returned. I called XXXX County and was told that the only payment associated with my property was received on XX/XX/XXXX.
I've been fighting with OCWEN over this " good will '' marketing plan ever since. They stopped applying my mortgage payments to the loan and started applying them to the past due balance. They now say that I am in default and are attempting to foreclose.
I am requesting any assistance you can provide.
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| 11/12/2021 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
|
On XX/XX/2021 I filed a Loan modification application with PHH Mortgage, I received an email within 10 days stating they received the application, after that I NEVER received a response, Nothing, I called several times and was told I could not apply for a modification because I am in Chapter XXXX bankruptcy, this in inaccurate and you can check with Bankruptcy court, YES you can file for a modification. I spoke with XXXX on the next call and she stated that I had to put in writing that I am not affected by Covid in order to be considered. After that call I called a HUD counselor, I spoke with XXXX XXXX on XX/XX/2021 and discussed PHH, prior to the call I received a letter from XXXX XXXX XXXX, they represent PHH and it stated I have a forbearance from XX/XX/2021 through XX/XX/2021, I never asked for this, I am asking for a modification so I can get caught up on payments. XXXX and discussed a plan and I have included her on emails t PHH. I forgot to mention that the first rep said they needed a letter from my attorney stating they could talk to me about my mortgage, the rep said they did not have it, it has been sent maybe 8 times by my attorney and also by me, I have attached the letter that I sent to PHH again last week, the letter states I can discuss all aspects of my loan. The rep said Oh, I found it in another folder. Today XXXX I called the escalation department has an email instructed me to do and I got the same rude representative named XXXX, she said I can not apply for a modification because of Bankruptcy and that I need to send a letter stating I am not impacted by Covid. She said she could not discuss with me and I stated that once again the Letter from the attorney is with PHH and states YES you can. She said she only sees a image and she can only discuss payments, I hung up before I let loose on her. This is outrageous, I am trapped from doing anything, I can not keep paying an attorney to address PHH. I am asking for a modification and need a response. PHH should have a lawsuit against them.
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| 10/01/2019 |
Yes |
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- Trouble during payment process
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|
Web |
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I have a mortgage with " PHH '' that was transferred to them from " Ocwen '' in XXXX of this year. ( XXXX ) I have paid my mortgage on time every time with both parties.
In XX/XX/XXXX, I received a bill with an additional amount of {$1600.00} included in a field called " Assessed Expenses ''. My online account through PHH has NEVER reflected this amount and I never received any formal notice on why or how this amount was simply added into bill. Naturally, I called the company about it and I was informed that it was an error. I was told that I was not behind on any payments and that I should just send in my " regular '' mortgage payment amount.
The same thing has happened with my bill for each month since then. Today I wasted an hour of my time on the phone between two representatives that where both trying to convince me that the charge came from a loan modification that took place 7 years ago in XXXX. Not only that ; but that the previous company " Ocwen '' randomly just decided to bill them for it this year in XXXX of XXXX.
I asked some very simple questions that should have been simple to answer for any party requesting payment from someone.
1 ) Why in XXXX am I just getting a charge for something that was fully executed in XXXX?
2 ) What " fees '' exactly added up to this amount of {$1600.00}?
3 ) How could a modification get completed without all of the fees for services required to complete being paid?
4 ) Do you ( or " Ocwen '' ) have proof to show that I did not cover something that I was responsible for?
5 ) If I had paid my mortgage off by now ; who would you have billed for this?
6 ) Why did I not receive any additional form of communication explaining why this was being added to my bill and how I am now responsible for it?
I did not receive a straight answer ( when they actually attempted to answer ) for any of these questions. As of today, my online account still only has my regular payment amount showing as due. Something is definitely off here.
Please help me resolve this.
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| 08/18/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX.
I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?
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| 01/01/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Servicemember |
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On XX/XX/XXXX, I was discharged in the United States Bankruptcy Court, XXXX District of Florida, Chapter XXXX. The debt on the condo I had financed through XXXX XXXX XXXX was also discharged.
The condo was occupied by a squatter who lived there from XX/XX/XXXX to XX/XX/XXXX when the condo association filed suit against me for unpaid HOA fees as the bank did not foreclosure due to the many foreclosures in Florida at the time. In the meantime, XXXX XXXX XXXX had released their lien and the property was sold to the condo association via certificate of title for the amount due on HOA fees.
XXXX XXXX XXXX, who apparently bought the loan from XXXX XXXX XXXX began sending mortgage statements and this showed up on my credit report as unpaid, so I wrote them a letter on XX/XX/XXXX and they removed this from my credit report.
I then began receiving mortgage statements from XXXX XXXX and called them but they said they would need proof of my bankruptcy, which I faxed to them, but the mortgage statements continued to be mailed.
Then, XXXX XXXX, a division of XXXX XXXX XXXX XXXX filed a Complaint against me and the condo association in XX/XX/XXXX, along with a Notice of Lis Pendens seeking to foreclose the mortgage. I filed an answer to the complaint stating that this property was discharged in bankruptcy. The case is ongoing in the XXXX Judicial Circuit Court of XXXX County, Florida, and I do not know what to do from here. I am still receiving mortgage statements for the balance due on a monthly basis.
Just recently when I pulled into my driveway after work, a server stopped me in front of my home and asked if I would consider a deed in lieu of foreclosure on the property to XXXX XXXX and I told her that I do not own that property, that it was released in bankruptcy in XX/XX/XXXX, and the condo association is now the owner of the property. She asked if she could take a picture of me to prove she had spoken with me and I refused. She did take a picture of the home I currently own after I walked in the door.
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| 10/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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Once again, I am registering a complaint against Ocwen loan servicing. And, once again they refuse to answer a single complaint since I first registered my first complaint in 2014. They still claim I owe them money even though they paid my condo association over {$27000.00}. for a bogus invoice the condo assoc. 's legal rep. mailed them for falsely stating that I owed them money for making remodeling changes to my condo even though, this was settled out of court with myself not owing any fines or fees in relation to any of their accusations. Ocwen needs to follow up on this and retrieve the money that they paid the condo association and apply it to my mortgage. If Ocwen followed through on this my mortgage would be paid in full and I would no longer have to deal with them. Ocwen is threatening to foreclose and sell my property without even attempting to settle all my issues. Again, Ocwen has been sued in federal court by the XXXX in XXXX states for billions of dollars. Their stock has tanked and is only staying afloat by stock manipulators. Ocwen has announced laying off approx. XXXX employees. They never lay off the people they pay {$3.00} per day in XXXX only those in the XXXX Why? Ocwen has ripped off numerous people by foreclosures who had no recourse and did not know what to do.
My initial loan from Ocwen was approx. {$43000.00} now, they claim that I owe them over {$74000.00}. How can Ocwen be allowed to do this? When will they be stopped?
Also, they have not ever responded to my initial request of my RESPA letter. And there are fines related to this. And I have never received any of the fines I was entitled to. Also, they continue and knowingly send me bills which they know are not correct. That is a federal crime to knowingly send false billing through the XXXX mail. Punishable I think for {$5000.00}. on each occurrence. And, yet Ocwen has done this for over a year. I appeal to our XXXX and XXXX to do something before Ocwen goes bankrupt.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
|
| 03/09/2023 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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Ocwen better know these days as, '' PHH '' is involved in fraud ; deep and far reaching. I have filed complaints with the XXXX, I have called upon Government Agency to no avail, and still the fraud continues.
In XXXX, once it became clear no real effort on behalf of this Mortgage Servicer was made or ever going to be made to bring this issue to a resolution, I made it clear they would NOT receive further payment. As a direct result of ALL my rights being violated without question, provable and factual ; my ability to earn a living and any semblance of peace and been usurped and in its place conflict and strife, in order to defend my land against these criminals.
I have provided all required documents to prove a. my home is paid off, and b. PHH is involved in a fraudulent foreclosure, using deceitful practices akin to those of 2008. As they have not learned their lesson then or now, I will be suing this company. In an attempt to expose this fraud, protect myself, and ALL those who may be affected by such harmful practices with zero protections or help. I am doing this for all those reasons. I've lost so much in fighting this battle ; sleep, money, peace, resources. I intend to get it all back and do my part to expose this. Here I am again reaching out, this is how the working poor are treated.
I may not have a formal education, but I'm smart enough to know I have a case, and I'm bringing the fight directly to this mortgage servicers that lies, and lies some more. They'll have to prove all my accounts and recordings are false ; which won't happen.
As a result of this servicer dragging this on issues with respect to escrow have come about, issues brought on as a result of this servicer purposeful actions to keep account open, understanding that I would not pay them direct, I'll pay my property taxes on my own for me to send them payment is my acknowledgment that a debt is owed to them which it isn't. This is in protest, that it may reach the right eyes and ears and receive genuine help.
XXXX XXXX
|
| 03/16/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
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This is the third complaint on the same company that I have made to you. Ocwen Loan Servicing is as crooked as they come. First, after forced insurance on what is now a condemned property, my interest fee magically jumped from the XXXX range in XX/XX/XXXX to over XXXX in XX/XX/XXXX, statements a mess with " hidden '' charges the total figure does not match my interest rate, and modification requests constantly denied. In XX/XX/XXXX my property suffered a catastrophic insurance claim, and it has been an uphill fight to get those funds from Ocwen to repair the property the claim was over XXXX and they are still sitting on XXXX and will not release it now 2 years later after repeatedly providing them what they needed .... Now the City is going to tear down the property because I do not have funds to adequately repair it. So not living in this place for over two years because of the funds tied up, and a contractor mis-appropriating XXXX of it. I now stopped paying the mortgage because Ocwen keeps playing stupid on the financial status of everything, and the remaining insurance funding they are sitting on. Six different instance I was told there is n't any money in escrow for the repairs. Over nine times I was told they have no records of repair inspections completed on the property and therefore are sitting on money but they would n't say how much. Twelve times I was told they would have answers on my account which is what they called red flagged within 7-14 days ... .three months later nothing. There are hundreds of complaints online similar to mine about Ocwen and these corrupt practices, preying on distressed homeowners. I single-handedly was raising my daughter here, fought tooth an nail for the place with Litton Loan Servicing previously preying on us, only to be transferred to the vultures at Ocwen Loan Servicing. They are hiding funding, and playing stupid about everything going on with my account. I can not get an accurate statement in writing on anything. They are making out like bandits on this.
|
| 08/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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On XXXX XX/XX/2023, I contacted XXXX mortgage to inform them my DC property taxes would be due by XX/XX/XXXX. I was assured the taxes would be paid before due from my escrow account. On XX/XX/XXXX, I sent them a copy of the tax bill and a reminder. On XX/XX/XXXX, XXXX replied that they had reviewed it and would pay the bill. They did not pay on time. On XX/XX/XXXX, I contacted them by email and phone and was assured it would be paid and the late fees would be covered by PHH. What proceeded next was weeks of back and forth with the company as they missed the next deadline and incurred a second month of late fees. I had multiple emails and phone calls with XXXX from the company assuring me they would pay the bill and would be responsible for the late fees. I insisted the fees must not come out of my escrow account since it was PHHs failure to pay the tax bill that incurred the fees. The fees were finally paid on XX/XX/XXXX. On XX/XX/XXXX, PHH deducted the exact amount in late fees from my escrow account, thus making me pay the late fees they incurred. Ive contacted them by email and phone multiple times since XX/XX/XXXX about this issue and have received nothing but automated email responses and voicemail. This can not be legal that this company that I did not choose to get a mortgage with ( was sold to them from XXXX XXXX ) does not pay bills on time and took my money to cover their mistake. They have now also told me they cant pay my homeowners insurance form my escrow account but continue to deduct money each month for the escrow insurance. I now have another tax bill due and am not confident they will pay this on time. The company is unresponsive and dishonest in their dealings, and based on the bit of internet research I have done, this is their common practice. I need to know what I can do to make them redeposit the {$240.00} in late fees they took without authorization from my account. Thank you.
PHH Mortgage Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX XXXX XXXX
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| 06/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Account number XXXX Name : XXXX XXXX Address:XXXX XXXX XXXX XXXX, SSN : XXXX To whom it may concern : I am hoping you can assist me with an issue that I am having. I received a modification in XXXX. After the modification I 've been paying on time and received a notice from Ocwen stating that due to my good standing I was eligible for and incentive of {$5000.00}. I completed the necessary paperwork and faxed it into Ocwen and contacted Ocwen to confirm receipt of the fax. When it was time for my incentive to be paid I followed up with Ocwen on several occasions to find out when I could expect the {$5000.00} to be credited to my account. I was told that when the government sent them the funds it would be applied to my account. I asked several escalation managers to look into when I can expect my refund and was told that Ocwen had not received the incentive from the government yet.
In XX/XX/XXXX I received a letter from Ocwen stating that they were transferring my loan to XXXX XXXX XXXX inXX/XX/XXXX. Immediately contacted Ocwen to find out how this would affect my incentive I was told that when the government sends the incentive Ocwen would transfer it to my new mortgage servicer or the government may send the money directly to the new servicer.
I started following up with the new servicer regarding the Hamp incentive only to be told that Ocwen had not received my Dodd Frank Certificaiton therefore i was not receiving the {$5000.00}. This completely baffled me because all the times that i called Ocwen i was never told that they had not received the Dodd Frank Certification ( and remember I called Ocwen to confirm receipt of the fax when i faxed the doc ). My husband is a military veteran and neither of us have ever committed a crime therefore we have no reason to not submit the Dodd Frank Certificate. It seems to me that Ocwen dropped the ball all the times I contacted them to find out when i could expect my incentive I was never Informed that they did not receive the Dodd Frank Certificate.
|
| 05/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
I took out a 30 yr loan with XXXX in XXXX. Thereafter, in XX/XX/XXXX, the loan changed hands to Litton and then to Ocwen in XX/XX/XXXX. Ocwen says that the loan is a 15 yr loan and that it is due and payable. Upon my request, they sent XXXX document that conflicts with all of the attached records. I have no explanation for this document. However, they have no explanation for the attached documents. My records clearly show that the loan was for 360 months or 30 yrs. It should have approximately 10 more years left. I have attached copies of the original loan documents from XXXX. Interestingly enough, I have noted that all of the figures do not match. However, the one thing that is in common with all documents is that the loan was for 360 months. At various spots on Ocwen 's website, it shows that the loan is a 30 yr loan. I have made copies of each of those pages, they are available if you need them. It seems that I have been blocked off their website as I can no longer get information off their website. I have sent numerous letters to Ocwen to try and straighten this out with no results. Ocwen does not accept the monthly mortgage payments, even though I continue to make them. They just send the payments back saying credit refused. I have all on time payment records for several years back, they are available if you need them. To make matters worse, they are reporting to the credit bureaus that payments are not being made at all. It seems that they are killing my credit to force me to pay the balance in full. The balance is approximately {$38000.00}. I can not afford to pay the loan off, if I could I would. Ocwen has not made any attempt to foreclose on this property even though this has been going on since XX/XX/XXXX. Even stranger is if the loan did mature in XX/XX/XXXX, why are the showing monthly payments not being made after XX/XX/XXXX up to XX/XX/XXXX? If they were right, I am sure that they would have tried to foreclose. The whole thing is at a standstill, I pay and they send the payments back.
|
| 05/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our company has been trying to get a short sale reviewed in its entirety and approved from back in XX/XX/XXXX. The primary homeowner and mortgagor passed away and left his house to his wife who still lives in the house. The Servicer, Ocwen, received all the short sale documents including the offer but refused to keep moving the process along until the wife of the deceased mortgagor went through a probate in order to sign off on any paperwork regarding the loan and the short sale. The wife of the homeowner has no money and the deceased mortgagor was their primary source of income so she struggled to figure out who can pay for the Probate process which would cost anywhere from {$2000.00} to {$3000.00}. The Buyer was reluctant to pay for the Probate at first but we were informed by Ocwen that the foreclosure would be on a standstill since we are still active in the Short Sale process. The buyer agreed to pay for the probate and the Probate attorney has been working with the Homeowner all this time to get documents processed to the Probate court. The homeowner received a foreclosure notice last week that the house is now being foreclosed as ordered by Ocwen on XX/XX/XXXX. The probate is VERY near to it's completion. I spoke to the Escalation office that we have been working with on this file and requested that the foreclosure date be postponed so we can continue the short sale and get it closed. The escalation rep explained that without the complete set of paperwork ( a revised Settlement statement which we can easily send, and the probate documents ) they wouldn't be able to postpone the Sale! So Ocwen required the homeowner to go through probate to sign documents despite the deed being in her name ( she is not on the loan ) and now they are not allowing the foreclosure date to be postponed because of their need was not met. I explained to the Escalation rep that I would send her all that is needed by next week but we would like to see if CFPB can assist in this so the postponement can be ensured.
|
| 12/16/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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In XX/XX/XXXX I had to obtain an attorney to help sort out the validity of my loan with Ocwen Loan Servicing , LLC, in which Ocwen did not respond to any of our requests. Even after personally writing a Dispute and Validation letter in conformance with the FDCPA and having our Attorney send in a QWR. The only information sent to us at this time was a blank assignment with MERS because of this my attorney advised us to stop making payments to Ocwen and asked for a XXXX of Deed and XXXX if they could not provide the information we had requested. In this time we did not receive any more information but did receive threats that they were going to proceed with legal action against us in the form of liens and foreclosure if we did not get caught up and continue to make timely payments. During this time Ocwen also continued to contact us personally by phone and mail even though they were repeatedly asked to contact our attorney. They also added on late fees, mailing fees, appraisal fees, etc. to the amount we were at this point disputing we even owed. Then in XXXX we were sent XXXX XXXX C forms which we refused to sign because there still was no validation of the debt from Ocwen. After bringing a second attorney on board to deal with this tax issue Ocwen sent us a letter in XX/XX/XXXX determining that the documents had been sent in error. In XX/XX/XXXX Ocwen notified us in another letter that they were releasing the lien due to a bankruptcy obtained in XX/XX/XXXX, it would take another year and a denial for a refinance from XXXX Bank in XX/XX/XXXX before they followed through with this XXXX of XXXX. To this day Ocwen has never confirmed who they were collecting for and furthermore if the debt was discharge in XX/XX/XXXX should n't Ocwen have stopped collecting and or forcibly trying to collect said debt especially after obtaining an attorney. This was not only illegal but became an unnecessary hardship on my family. We were unable to modify, refinance or sell the property until this matter was cleared.
|
| 06/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
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On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$270000.00}. The loan was evidenced by a Security Deed, naming XXXX as the " Lender, '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, after it was alleged that I had defaulted on my loan Account, was assigned to Deutsch Bank Trust Company Americas. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Deutsch Bank. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Deutsch Bank 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Deutsch Bank a Qualified Written Requests ( QWRs ) requesting that Deutsch Bank provide, inter alia, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Deutsch Bank, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR.
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Deutsch Bank to produce a verified accounting in compliance with RESPA 2605 ( e ).
|
| 08/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
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|
My husband and I refinanced our mortgage in XX/XX/XXXX with a broker named XXXX XXXX XXXX of XXXX, FL. The Mortgage ( attached ) was dated XXXX XXXX, XXXX, was assigned by Assignment of Mortgage on the same date to Option One Mortgage Corporation. Both of these instruments are recorded in the Public Records of XXXX County, FL. We built this home in XXXX on land we owned free and clear, and moved in XXXX of XXXX. We learned through a succession of loan services for our mortgage ( Option One, American Home Mortgage, Homeward Residential, and now currently Ocwen Home Mortgage ) that our mortgage refinance from XX/XX/XXXX was placed in a mortgaged-back trust. We have a HAMP modification and are not in default, nor have we ever been in default or had foreclosure proceedings brought against us. My husband and I are planning to pass our home to our daughter when we pass away, and based on information we have learned from the mortgage crisis, our title is probably clouded. We want to know who owns our mortgage ; what entity will issue the Satisfaction of Mortgage when we pay it off? Clearly, many homeowners had to deal with fraudulent assignments " after the fact '' because the trusts had to show ownership for them to foreclose. Since Option One went out of business shortly after our mortgage was executed ( and the successor company no longer dealt in mortgages ) ... but our mortgage trail has no assignment ( s ) to the real estate security trust ... and creating assignments at this point to recreate that train of title would be fraudulent ( because the pooling and service agreement for the trust stated that the assignment to the trust had to be accomplished years ago before the trust closed ) ... how in the world is legal title going to be accomplished when the mortgage is satisfied and we own the house? We need to know what to do to establish clear title and guard ourselves against Ocwen Home Mortgage ( a known violator of fraudulent assignments and " robosigning '' ) from creating any fake documents.
|
| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My principal went below the 80 % threshold to have the PMI removed several months ago. I have given XXXX Mortgage everything required per my closing documents : PMI will only be canceled if all the following conditions are satisfied : 1. you submit a written request for cancellation ; 2. you have a good payment history ; 3. you are current on the payments required by your loan ; and 4. we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property.
A " good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date you submit a request for cancellation.
It was also supposed to be automatically removed on XX/XX/22 per my closing documents : Borrower Requested Cancellation of PMI You have the right to request that PMI be canceled on or after the following dates : 1. The date the principal balance of your loan is first scheduled to reach 80 % of the original value of the property. This date is XX/XX/22. For balloon loans with a fixed interest rate and no conditional right to refinance, if applicable, this date may not be reached before the loan matures.
2. The date the principal balance actually reaches 80 % of the original value of the property.
I had made additional principal payments that brought me below 80 % I believe in XXXX of this year.
They made me pay for an appraisal even though their own website valued my property over {$650000.00} and all the value needed to be was {$450000.00}. For the last 4 months they have been telling me it is in their PMI department and would be resolved soon. I have tried esclesiting it but no one will or can approve this even though it should be automatic at this point. They continue to charge me each month for insurance that is not required.
|
| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
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XX/XX/XXXX We purchased a home in Maryland as a short sale. In our HUD 1 it shows that the seller had two loans with 2 separate loan numbers. We received letters from the sellers mortgage company they accepted our offer, and we proceeded with the sale.
Fast forward to XX/XX/XXXX we were selling our home and had a ratified contract, when 2 days before our scheduled closing on XX/XX/XXXX our buyers title company tells us there is a lien in the amount of $ XXXX outstanding on our home from the previous seller, and no title company will close the deal unless we assume responsibility. Our mortgage company XXXX XXXX XXXX XXXX basically does not wish to help because we did not have title insurance, and they can not file a claim because technically the loan does not exist. The previous sellers mortgage company was Freemont Investments, they went bankrupt, re-emerged as another company and eventually sold to Ocwen. Ocwen will not give anything in writing because they state there is no loan or lien, and flat refuse to provide anything to XXXX XXXX, the current company trying to close this new sale. To further complicate the matter Freemont Investments went out of business, and as said now is Ocwen, who refuses to assist in any way. The previous owners title company also went out of business and our title company we used, which was affiliated with XXXX XXXX XXXX XXXX, also went out of business. Now, we are being told that nobody can help us and the only two options we have are to either assume the $ XXXX debt that shows was paid off of on HUD1, or wait another 8 years for the $ XXXX non-existing loan that was already paid off to fall off of the records. As of XX/XX/XXXX our buyer is requesting to walk away, and this leaves us with a mortgage to a house we can not sell because Ocwen refuses to do the research and give us the release on something that was paid for on our HUD1. Basically, in a nutshell, Freemont Investments only released one of the two liens but received payment for both loand per our HUD1.
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| 12/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Ocwen stalled the modification process, enabling me from moving forward. Ocwen illegally foreclosed on my property, without my knowledge. Until one day inXX/XX/XXXX A 3rd party showed up at my door to take picture of my home. In which they stated they purchased thru an auction. Poor communication from Ocwen in trying to resolve the matter. I numerous phone meetings with a relationship manager at specific times and dates in which, they never called me. Losing documents during the modification process which made me have to start the prove over again. When I do get thru to a representative, the records were never updated causing me to have to constantly refresh the new representative in the reason for my call. My girlfriend of 12 years, who was not a borrower or co-borrower on the mortgage, only listed as a communicator in case I was not present. They went into her bank account unauthorized and remove a payment of over 700.00, stating it was for payment towards the balance. In which I never authorized! In XXXX, I started this modification process, in which I am referencing. I submitted a total of XXXX in monthly income including two rentals, my girlfriend 's paystub and my paystub. There is no way, I should have denied on any level for a modification because the monthly income exceeded. Ocwen denied me because they wanted a lump of about {$20000.00} in arrears. When I was trying to negotiate how I can become current and get back on track with them, they were n't trying to do that! One of the problems I did have with Ocwen is when I did send the payments, they failed to post them, instead sending them back! This happened on at least 3 occasions. They call me days later stating they have n't a payment ... Poor communication! I had appointment with the relationship manager on XX/XX/XXXX. They never stated they were foreclosing on my home. I have additional details to include. My name is XXXX XXXX, can someone please point me in the right direction. My contact number is XXXX. Thank you for your time.
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| 11/16/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. PHH MORTGAGE SERVICES HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from PHH Mortgage from PREVIOUS federal complaint. PHH Mortgage Services are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then fires XXXX XXXX. as their foreclosure attorney and then hires XXXX XXXX XXXX as of XX/XX/2020. PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. XXXX XXXX XXXX will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( PHH Mortgage and XXXX XXXX XXXX ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX XXXX are aware of the laws that govern Georgia Foreclosures. I would like XXXX XXXX XXXX and PHH to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
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| 09/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am contacting your office to file an official complaint against Ocwen Loan Services, LLC. in regards to my current mortgage. This has been a ongoing problem from XXXX. Ocwen has continues to add corporate advance fees for service related expenses. In my case, these expenses are doubling, and sometimes tripling in the same month, for the same things. Such as, Property Inspection, Property Maintenance Expenses, and Certified Mail Costs and Property Evaluation expenses.
I am aware that my loan is delinquent by two months. However, these costs are outrageous, unfair, deceptive, and abusive acts and practices which has driven my mortgage to almost {$11000.00} in extra fees. I have contacted Ocwen about these charges asking that they show proof as to why all of these charges and expenses are occurring on my account.
The latest expense report received from Ocwen was on XXXX/XXXX/XXXX, for property maintenance expenses totaling {$1200.00}. Also on that same date, I received another property maintenance expense in the amount of {$260.00}. Additionally, there was also another property maintenance expense in the amount of {$24.00}. These are just three of the five ( 5 ) EXAMPLES of an ongoing situation throughout the loan.
I am attaching supporting documentation for your review of numerous invalid charges that can not be supported by this company 's actions. After exhausting all of my options with Ocwen in the past, from loan modification, to a short payoff settlement offer, I have had no success in dealing with this company. They have lied, and I have additional documentation supporting this. My main concern right now is to have these extra expenses deleted from my account. In this effort, It is my hope that assistance is received and justice is fully served under the Federal Consumer Financial Law.
I am XXXX XXXX XXXX and do not have access to computer. Therefore, I would like all of my correspondence mailed to me at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX
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| 05/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
Older American |
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To Whom It May Concern : My father is XXXX since XX/XX/XXXX and lives on a very low monthly budget. I was going through some of his mortgage papers to see if we could get help with his mortgage and found out that he has an XXXX mortgage on his home for repairs through a company called XXXX XXXX who give out bad loans to consumers with no knowledge of the mortgage industry, and I know that my father would not had no idea of what he was signing and the company could not have told him that he was signing a loan that when he make a payment nothing goes towards the principle. This company, XXXX XXXX has been known for violating mortgage underwriting practices just to close bad loans that cost taxpayers millions of dollars and hurt neighborhoods when the houses go into foreclosure. Although they are an FHA lender the loan in question should n't have been approved. Now my father has a {$32000.00} loan that he has had since XX/XX/XXXX, and here it is XX/XX/XXXX and he still owe {$32000.00}, and it has been sold several times to other companies like Ocwen Mortgage who has multiple law suits in XX/XX/XXXX and have lost cases due to robot signing or missing assignments coupled with an inability to produce escrow and settlement statements demonstrates a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. Lack of the original note, failure to timely and accurately apply payments made by borrowers, charging borrowers unauthorized fees, providing false or misleading information make us believe that these companies are taking elderly people for their low budget and finance problems. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. We need help and my father does n't recall getting any papers that he could file a claim against either company. Please help us keep my father in his house. Thank you so much for all your help.
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| 04/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, OCWEN Loan Servicing, LLC incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the OCWEN Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and XXXX have not bothered to fix it despite OCWEN sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ).
This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) OCWEN is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
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| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full.
In the summer of XX/XX/XXXXOCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXXas well.
I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 ) week period I spoke with numerous OCWEN customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and was told that XXXX had not provided them with a copy of the policy. XXXX provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance.
OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report.
As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX.
I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX.
Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed.
Any attempt you could provide would be greatly appreciated.
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| 07/17/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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We purchased our home in XXXX 2005 using an 80/20 loan. We have been struggling to make the payments for many years due to several reasons including the XXXX XXXX of our son and income earner injury causing loss of income. We met with a bankruptcy attorney several years ago who advised us that the 20 % lien holder ( loan servicer : Ocwen Loan Servicing, LLC ) would not be able to foreclose on the property, but could place a lien on the property making it so we could not sell the property before they were paid. Under the advice of the attorney we sought to work out a loan modification with both XXXX XXXX and XXXX XXXX XXXX ( 80 % lien holder ) with the intention of working with the Ocwen once that was resolved. We have persistently applied and reapplied for a loan modification numerous times with the XXXX and XXXX XXXX XXXX and finally were successful.
It seems to be that it may be a legal foreclosure, however, the concern is that the XXXX service providers ( Ocwen Loan Servicing, LLC and XXXX XXXX XXXX ), and involved banks ( XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX ) may have a relationship in which they are working together to obtain properties by foreclosing on the 2nd lien. The first lien holder must be paid first, therefore, if the 2nd lien holder forecloses they must turn over any amount recovered during the foreclosure sale to the first lien holder to satisfy the first lien. The only way the 2nd lien holder would acquire payment is if the house sold for the amount of both loans. However, in this case, the property was sold for {$19000.00} ( less than 10 % of the county valuation ). There is {$80000.00} outstanding principal on the 1st lien holder 's portion. In addition, the 1st lien holder 's attorney was contacted regarding the foreclosure and asked what affiliations they had with different banks. They refused to disclose their affiliations and the attorney refused to identify themselves when asked.
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| 07/12/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure.
We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure
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| 09/19/2023 |
Yes |
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- Trouble during payment process
- Payment process
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Web |
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This is a follow up to the complaint I filed with you with claim number XXXX on XX/XX/XXXX. Today, XX/XX/XXXX I got notice that PHH finally applied the payment they automatically withdrew from my bank account on XX/XX/XXXX to my final payoff. However, even though I paid off the mortgage through an ACH on the due date of XX/XX/XXXX, in the 19 days it took for PHH to apply my payment to my final payoff of my mortgage, I accrued late fee interest of {$55.00}, even though both escalation agents with whom I spoke on XX/XX/XXXX and XX/XX/XXXX assured me that they would not charge me any late fees because they actually had my money, and it was PHH that held it in an unsecured fund designation and did not apply it to my mortgage payment in a timely manner. The letter I received today via email indicated that {$55.00} has come out of the refund that PHH has designated as the refund they owe me and my husband after my XX/XX/XXXX payment was applied to the loan final pay-off. Today I spoke XXXX at XXXX, an escalation manager with ID # XXXX, and she informed me she needs to talk with the previous escalation manager to try to refund my late fee, that it was not a guarantee I would get that ridiculous late fee returned! XXXX said she would email me back an answer with 24-48 hours.
In addition, I asked for the automatic withdrawals to be turned off on XXXX when I spoke with the first escalation agent, and on XX/XX/XXXX with the next escalation agent I spoke with. I also put this request in writing on XX/XX/XXXX, and received an email back stating they will put the request in for the stoppage of the automatic withdrawal in 3 days. As of right now, there are no indications that my automatic withdrawals will stop. I was not allowed to turn off the automatic withdrawals for the last 60 days, indicating my account was no longer eligible to do so. I am afraid another {$3400.00} with be automatically withdrawn on XX/XX/XXXX, as I have no confidence in this agency and their fraudulent approach to things.
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| 04/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package, but that she would investigate and get back to me in a couple of days. No one can give me accurate information!
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory, and many times completely inaccurate information. Aside from the moral obligation, it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed.
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| 12/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service.
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months!
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was.
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).
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| 12/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX XXXX is the company her mortgage is at.
I have sent documents proving I have the right to speak on behalf of her estate. They will not accept any of the documents signed by the judge and my letter of administration.
Around the first week of XXXX : I called and was told to email Death Cert, Letter of Administration, and signed copy of the judge 's orders. Those documents were sent to XXXX Around XX/XX/XXXX : I called to see if the email was received. After 30 min on the phone, they confirmed the documents had been received but then said this was not how the process worked and they would have to send out a packet to fill out and return.
Today : I called today and the firs agant I was speaking with ended up transferring me to XXXX XXXX She kept talking about how I needed to prove I had an ownership interest in the house and that the administrator needed to give him permission to speak about the loan. At this point, I explained for the umpteenth time that I am the administrator/executor. I told her that every time we call we get a different story and we are about ready to file a complaint with the Consumer Financial Protection Bureau. At this point, she offered to email a copy of the letter that was sent over ( they claimed in the past they could not email the information ). Her ID was XXXX XXXX XX/XX/2021 - Called and was transferred 3 times. Was transferred to an escalation specialist. Our conversation went like this : Agant ID XXXX Was transferred a few times and the last person said " A specialist will call within one business day. I asked for her title, she said " Escalation specialist '' I asked for the name of the person who was supposed to call back she said " I can not disclose that information '' I asked for the department of the person who was supposed to call XXXX back and she said " I can not disclose that information '' I asked other questions. Every question I asked I got the same response.
She stated it could take 60 days before this is processed. G
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| 10/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please see related cases against Ocwen/PHH for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ... ... XXXX XXXX XXXX ... ... XXXX & XXXX XXXX XXXXXXXX ON or about XXXX XX/XX/2019, Ocwen removed {$1600.00} from my escrow account fraudulently for a " ghost policy '' that was neither necessary or required. During this same time period Ocwen transferred my mortgage loan to their subsidiary PHH. Further, Ocwen refused to paid XXXX XXXX XXXX for current policy insurance coverage. Further, Ocwen informed PHH that my loan was not " PITI '', but " PIT '' which is not true because each monthly payment covers principle, interest, insurance and taxes.
At this point, I contacted PHH and complained. They denied knowing anything, and then ignored and stalled my complaint to have the {$1600.00} returned to my escrow account and to have XXXX XXXX paid for insurance as required. I complained to Ocwen/PHH some weeks later and was told that ... " I had to prove that Ocwen/PHH was wrong and present proof regarding the " ghost policy ''. I again complained several months later when PHH did nothing. They did not return the {$1600.00} to my account and only when I threatened legal action did they contact XXXX XXXX and begin to pay for home owners insurance with XXXX XXXX for my properties benefit.
HOWEVER, within weeks of this action they ( Ocwen/PHH ) sent a new demand statement on XXXX for a second " ghost policy '' in the amount of {$1800.00}. At this point I no longer have any faith in Ocwen/PHH doing anything to correct this. At this point I am filing any and all the complaints necessary based on jurisdiction and law. I am also contacting a Colorado law firm regarding any " class action '' suits that may be appropriate for this problem of Mortgage/Insurance fraud by Ocwen/PHH. I have plenty of paper proof, notes, dates and contact person ( s ). It is most necessary that Ocwen be stopped in continuing this type or any type of mortgage fraud. Please HELP. Thank You.
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| 02/02/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
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My mother entered into a reverse mortgage the company ( formally known as XXXXRMS ) and now PHH Reverse Mortgage. She died XX/XX/XXXX. I entered into a Covid forbearance while I was dealing with both my mom 's and dad 's estate ( I am their only child ). I also was directly affected by Covid and a temporary lapse in employment, so I appreciate the extension which expired on Jan 26, 2022. My main intent throughout this whole process was an heir payoff. PHH scheduled an appraisal on XX/XX/XXXX. And since that time ( as of today XX/XX/XXXX XXXX EST ), I am still waiting for my heir payoff.
Without an heir payoff or related purchase agreement, I'm not able to start my process to close on this home which begins with the bank ordering their own appraisal. I have also repeatedly requested the loan origination documents and statement from inception of the loan to date for several months. I also put this officially in email writing on XX/XX/XXXX.
My problem is I am unable to speak to anyone directly in the XXXX XXXX XXXX. I am also not able to receive an update on the loan origination and statement documents. The house is in foreclosure. But I'm repeatedly told by customer service agents when I call that there is : " no sale date yet '', " XX/XX/XXXX '' and " XX/XX/XXXX '' and " XX/XX/XXXX '' sale dates.
Additionally, I am concerned with the documents my mom signed and the way this mortgage product was sold to her many years ago. I remember reverse mortgage brokers knocking on her and other neighbor 's doors, calling her incessantly and telling her to not discuss her reverse mortgage options with me. These products often disproportionately target low income minority home owners which I find unscrupulous and unethical. And many don't quite understand what they've signed nor the ramifications of their decisions after their passing, which is also why I've retained legal help to get some understanding on why I've never seen the documents I've requested and what is contained within them.
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| 06/13/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Ocwen loan # XXXX it was Modified on XX/XX/XXXX that time ocwen calculate the Amount monthly as there break Down pricipal, Interst, Insurance, real Estate StateTax and I was paying timly and in the mean time ocwen advised me if i provide Hazards Insurance then premium will reduce and I did that, But from time after 3 month they made little reduced which is i decided that is not helpfull the way ocwen provide me information.
then XX/XX/XXXX-XX/XX/XXXX ocwen provided me statement with eveything my monthly premium {$2100.00} which is we paying continued.
in the end of XX/XX/XXXX ocwen send letter that from XX/XX/XXXX Monthly premium will be {$2400.00} I called and asked ocwen why too high raise I need to see reason, on XX/XX/XXXX ocwen send me statment that they missed by reveiw XX/XX/XXXX - XX/XX/XXXX Insurance is not Found on there end.
I asked how they have done the Modification Grand total. amd from there i was shocked and Doubt that they are not fair.
again i called and asked ocwen and they ocwen provide me information is not match as previously ocwen given.
I told them if the issue will not resolved before the XX/XX/XXXX or XX/XX/XXXX I will not making any more payment, and conversation in there recorded.
this point I dont know how to solve this and i think since year XX/XX/XXXX I paid mortgage still my principale never coming down and going up this issue is effect my family 's Bread and foods.
I need help, and stop ocwen to taking this kind advantage on me.
I am not healthy person I am not not Young I am XXXX year old and I am Disable person I could not take anymore streess as they ocwen giving me.
Today again I called and they ocwen informed me my loan is tranferred to XXXX i dont know what is this.
Please see the letter ocwen sended to me on Dated XX/XX/XXXX and letter dated, XX/XX/XXXX is not match and phone explanation is Error.
Thank XXXX and XXXX XXXX XXXX email XXXX Note I haved sended so many requesting to resolve and satisfy my morthahe issue I am Tiered.
|
| 04/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made.
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place.
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX.
Attachment XXXX : copy of the statement dated XX/XX/XXXX.
Attachment XXXX : copy of the statement dated XX/XX/XXXX.
Attachment XXXX & XXXX : copies of letter from XXXX XXXX.
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.
|
| 11/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank.
XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam.
I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income.
I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going?
Please I need help what is going on and need help to lower my mortgage.
|
| 03/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have a mortgage with OCWEN Loan Servicing LLC . We got behind. Now its out of control. Received Pre-Forclosure Letter dated XXXX/XXXX/2017. I called spoke with XXXX ( since our assigned customer service rep was again unavailable ) We discussed the account, to do a repayment plan we needed to pay half of the arrears, plus late charges. The amount was {$3900.00}. It would require {$1900.00}. Which we did not have. I informed the csr that taxes were filed and due no later than XXXX XXXX, 2017. Without the {$1900.00} we would need to file a request for modification. At this time I was told Foreclosure had not started. I went to the web site and had issues getting to the forms. I made our payment of {$970.00} on XXXX/XXXX/2017. Then on XXXX XXXX, I called OCWEN back. I got a csr XXXX, the amount was now {$4900.00}. We discussed a 5 month repayment plan {$1000.00} down and payments of $ XXXX.Again no foreclosure in process. XXXX would put the paperwork for approval. On XXXX XXXX, I called back, and was connected with XXXX. XXXX informed the repayment plan could not be accepted since we were in active foreclosure. The amount in arrears is now {$5900.00}. In order to stop foreclosure proceedings we need to file a Modification Request. XXXX explained the process, we prefilled forms out and he would e-mail them to me. I have received the forms and its proving to be nightmare getting them out of PDF so we can fill them in/sign and return. As of today XXXX XXXX, 2017 we have not received anything in writing from OCWEN on the status of our mortgage. We did a modification 7 years ago after I lost my job. In the end, according to the paperwork we will owe a balloon payment at the end of our 30-year mortgage of {$180000.00} Which basically is where we started. I am so confused, We do not want a modification, but a repayment plan to get back on traack. We can not afford to loose this house. We do not have the funds to move 20+ years of stuff, nor time to do so, at this accelerated process.
|
| 02/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have logged previous complaints, reference # XXXX and XXXX. I signed my mortgage note in XX/XX/XXXX with XXXX, OCWEN purchased it in XXXX XXXX. In the note that I signed, there was no escrow, I was responsible for my property taxes and homeowner insurance. I have complied with the terms of my note to date. I pay my mortgage every month, I have paid property taxes and insurance. OCWEN has added charges and fees to my account that have nothing to do with my mortgage payment. In XX/XX/XXXX OCWEN stopped accepting my mortgage payments, every month I sent in what they returned plus the current month. After XXXX months, they accepted my payment in the amount of {$6900.00}. I requested a loan modification. The terms of the modification were XXXX % apr, account by law must be escrowed and at the end of the XXXX ( XXXX ) years a balloon payment of over {$38000.00} was due. When I stated that I would not accept those terms, OCWEN started returning my payments. The principal balance due on this loan is {$93000.00}. OCWEN states that pay off amount is {$100000.00}, the difference being {$10000.00}. Including XX/XX/XXXX 's mortgage payment, {$5400.00} is due leaving a balance of {$5000.00} which are charges and fees that have nothing to do with mortgage payments, OCWEN has initiated foreclosure proceedings. How is it that OCWEN can report to the credit bureau that my mortgage payments are behind when every month that I send in my payment, they return it unsubstantiated. My last payment of {$4600.00} for the months XX/XX/XXXX through XX/XX/XXXX was returned. In addition to returning mortgage payments, there are XXXX years of duplicate taxes with the county, the last installment for XX/XX/XXXX, OCWEN paid twice. I am requesting that the situation be investigated. I have adhered to the contractual commitment that I signed. I have paid my mortgage, property taxes and insurance as required. How is it that OCWEN can report negatively to the credit bureau and initiate foreclosure proceedings.
|
| 05/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.
|
| 01/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am in the process of refinancing my current home mortgage loan through XXXX XXXX XXXX XXXX. My current mortgage lender recently notified me of some disturbingly inconsistent news.
They referenced a cancellation of Debt, which took place on XX/XX/XXXX, in the amount of {$160000.00}, which exceeded our principal balance of {$69000.00} that also included a secondary mortgage totaling {$11000.00}. We received the confirmation per the IRS explaining that the Debt was canceled on behalf of the mortgage company Ocwen Loan Servicing LLC.
I contacted Ocwen to obtain clarification and guidance on how I should proceed with my mortgage payments. I was told that I did not receive credit for the cancellation of Debt for {$160000.00}. The only applicable credit was from the HAMP incentive program totaling {$5000.00}. I then continued making my monthly mortgage payments to Ocwen Loan Servicing LLC.
On XX/XX/XXXX of XXXX, my mortgage loan was transferred from XXXX XXXX XXXX, previously known as ( Option One Mortgage ) to Ocwen Loan Servicing LLC. I had been with XXXX XXXX since the year XXXX and had a long-standing history. Before this transfer, my mortgage was under a HAMP Modification, which I received loan forgiveness leaving me with a principal balance of {$59000.00} and a deferment of {$10000.00}.
Ocwen Loan Servicing LLC later became PHH Mortgage and XXXX XXXX ( my current Mortgage Loan provider ) for which I am beyond dissatisfied. Before XX/XX/XXXX, in the wake of the COVID Pandemic, I had been making my monthly mortgage payments faithfully. Due to the pandemic, I was forced to place my mortgage loan in deferment. While on deferment, I began exploring other options, which leads me to where I am today. I need to understand precisely where I stand as it relates to my total payoff balance. I need to be provided with the exact dollar amount.
Thank You in advance for your urgent attention regarding this matter.
Best Regards.
|
| 12/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..
|
| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My mortgage was opened in XXXX with a maturity date of XXXX. Over the years I have refinance and also did a modification in XXXX but in all instance my maturity date remained XX/XX/XXXX. In XXXX I requested a 2nd modification, it was approved. I was excited to get the modification because I needed the assistance so I signed it, I did not realize it was a balloon payment with a new maturity date of XX/XX/XXXX.
I found out about the balloon payment over the summer of XXXX. I was told I could complete a mortgage assistance request which I did but it was denied..reason my mortgage was current and affordable. I was then told I can refinance, I tried refinancing with the same lender PHH I was told everything looked good and the next step would be my closing, after not hearing anything I reach out and was told I was denied because in XXXX I became ill and my mortgage payment fell 2 months behind.
I reached out to XXXX XXXX XXXX for assistance, we contacted the lender together and after 2 hours on the phone with the escalation department ( spoke to : XXXX # XXXX ) and the modification department ( spoke to XXXX ) I was told my only option was to do another mortgage assistance request or find another lender to refinance.
While we were on the phone an attempt was made by XXXX to set an appointment with my relationship manager. XXXX stated there was a flag on my account indicating no appointment can be set up with my relationship manager and also that she was not authorize to reach out to a supervisor.
I completed another mortgage assistance phone intake today XX/XX/XXXX, I was told in 5 days I will get something in the mail me letting me know my options.
My balloon payment is due in less than 30 days amount of {$380000.00}, this is impossible for me to pay and PHH shuts me down with every request I made to resolve the situation. My only request to PHH is to put my maturity date back to XXXX.
I have included the XXXX modification agreement showing the change in maturity date.
|
| 02/03/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
|
|
I paid for an appraisal to be completed on my house to see if I could have the PMI requirement from my mortgage reviewed. On XX/XX/XXXX, I received a letter indicating : The valuation ordered does not support the property value necessary to meet a 80 % Loan to Value ( LTV ).
On XX/XX/XXXX, I reached out to XXXX with the following message : Hello, We received word that the PMI removal request was denied, but Id like to know the value for our house that was provided by the agent.
Please advise.
Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I received a reply from the servicer : Dear XXXX, We have forwarded your concern to the appropriate department for further review. Please allow up to 10 business days for review to be completed.
For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX to XXXX XXXX ET Saturday : XXXX XXXX to XXXXXXXX XXXX ET PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After that, I did not receive any further reply, so I again emailed on XX/XX/XXXX with the following message : It has been far longer than 10 business days and we still have had no communication.
We have paid a representative of your company to value our house- we are entitled to know this value and it should not take 30 days to receive a response.
Please escalate and provide an immediate response XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have not received any reply to this date, and they have had nearly two months to provide a simple valuation of the house as it was appraised.
I believe PHH Mortgage Services is withholding this information because it is to their benefit to do so, and perhaps the amount was truly enough to cancel the mortgage insurance.
|
| 02/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX.
Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file.
Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call.
I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX.
This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan.
I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so.
The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney.
Thank you for your time and attention to this matter, XXXX XXXX
|
| 08/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is the second time contacting CFPB this year about Ocwen. The first time Ocwen agreed to put the mortgage in my name only as long as I had the paperwork notarized which I did immediately. I called the second week in XXXX and did not receive the relationship manager I was given but was passed onto another. I believe his name was XXXX. I asked him if my paperwork was received and he said yes. I then told him I didn't see where it said a dollar amount I needed to send in or where I send it to. He told me they wouldn't need the money they just needed to get the final approval on the paperwork. Said call back in a couple weeks. A couple weeks went by and I called again. They said that it was still going through the process and should be done soon. I called every two to three weeks checking on this and each time receiving a different relationship manager. Meanwhile they would not take my mortgage payments. Two weeks ago and I called again livid! The women I spoke with told me that all I had to do was send them {$2800.00} and they'd approve it. What?!! I've been wanting to pay three months ago and now they tell me once again if I send them money they will approve it!
I honestly do not know how this mortgage company is allowed to continue the fraudulent business they have! Every single day I'm stressed to the max wondering if today is going to be the day my house goes up for foreclosure! I on top of all this have received a notice that I will be getting a temporary trial period payments ( Nothing I've seen yet ) and a lawyer that is saying that my house is going to be foreclosed on if I don't pay the full {$64000.00}! Btw before all this modification bs, I only owed {$49000.00}. So I have no idea what the truth is, where I'm suppose to turn and again, how this bank can continue to do this to their customers!! I hope once and for all this gets resolved and Ocwen is made to stop playing with peoples lives. As you can see from these documents, this is what I'm dealing with.
|
| 12/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Well in XXXX I filed chapter XXXX bankruptcy I believe my first payment started XXXX of XXXX and a correspondence I got from wells Fargo its stated that I was past due in XXXX all the way back from XXXX I ask Wells Fargo what happened to the {$1800.00} a month I paid to my chapter XXXX for almost 2 years considering they were my only creditor on my chapter XXXX they responded their documentation is correct so I requested payment history from the XXXX County Court Clerk 's Office and regards to payments made to Wells Fargo on my behalf I 've been went to XXXX which is a service provider for Wells Fargo and printed out payment history from XXXX of XXXX until current date which is XXXX XXXX XXXX when I entered in XXXX of XXXX XXXX XXXX the only payment they have recorded started in XXXX XXXX of XXXX although my bankruptcy payments started XXXX of XXXX so I added up each month from XXXX XXXX and in XXXX of XXXX the court sent Wells Fargo {$2600.00} and then in XXXX they sent them {$1300.00} then in XXXX they sent them {$870.00} and in XXXX {$380.00} XXXX XXXX {$3.00} and in XXXX {$1000.00} and in XXXX {$770.00} and then starting in XXXX in XXXX XXXX the courts sent them {$1500.00} and in XXXX {$1100.00} and then in XXXX {$1100.00} and in XXXX {$1100.00} and then in XXXX {$740.00} and then {$740.00} and then another payment came in XXXX of XXXX and it was only for {$7.00} so not only are several of the payments from XXXX not being reflected on my mortgage loan but all of XXXX payments are not being reflected on my balance or payments and then which I will provide documentation verifying those amounts from the courts and then payment statements from XXXX who is the service provider of Wells Fargo. Then amount I have paid and that is not reflecting on my pay history is not a small amount it is a very large amount and may be the reason Wells Fargo stated that my loan was due for XXXX payment in XXXX considering they did n't post over a years worth of payments from the courts.
|
| 11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I was approved for a second modification to my mortgage by OCWEN. The reason for this modification was 100 % to fix an error that OCWEN had made when they did n't pay the property taxes on both lots that the property sits on. Because of OCWEN 's error, approximately $ XXXX had to be paid out of the escrow account to cover the back taxes, which then subsequently needed to be refunded. To come up with this sum, the mortgage needed to be restructured.
I had until XX/XX/XXXX to execute the mortgage modification and return it to OCWEN. As the date approached, I had additional questions that I needed answered before I could decide. Thus, before the deadline at XXXX on XX/XX/XXXX, I sent XXXX XXXX , my contact within the Consumer Ombudsman 's Office, an email requesting further information on a number of topics. I followed up with a call, but when I did not promptly hear back from XXXX, I also called a Customer Relationship Manager as well to report to them that I was seeking additional clarification from the Consumer Ombudsman 's Office and that I wanted this noted on my account due to the impending deadline.
My understanding was that XXXX would grant me a short extension and I would get my critical questions answered. That 's not what happened however. Instead yesterday XX/XX/XXXX I received a XX/XX/XXXX letter from OCWEN Loan Servicing declaring that I had not responded to the offer and thus it was no longer available to me. So I am protesting this and requesting that the offer be reinstated, an extension granted, and my questions answered in a timely fashion. Further, when I wrote back to XXXX directly about the situation, I received an automated response that he will be out of the office for another full week, meaning that he will not be available during that time to fix this situation for me on his own. It is for this reason that I am filing this CFPB complaint.
It appeared OCWEN had gotten their signals crossed yet again, so I wrote again to XXXX
|
| 01/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My Mother died XX/XX/XXXX. I attempted numerous times to get an assumption and/or modification through the previous servicer Ocwen. At the time of her death, I lived there and am the sole heir. All documents were provided to both servicers. After the servicer change to PHH there was a loan account number change and delayed communications. In XX/XX/XXXX, I applied for assistance after my bankruptcy was modified and the loan arrears were removed from repayment through the ChXXXX. The assistance request was acknowkedged but there were 6 documents listed to complete the request. I did not get a response or a decision about how to submit the forms as they were not readily available. Starting early XX/XX/XXXX the loan was no longer accessible online and my payment was returned. When I called representatives would not give me any info about the loan citing bankruptcy laws despite the loan no longer being apart of that action. My bankruptcy attorney gave authorization via written correspondence multiple times in the last 12 months. On XX/XX/XXXX, I received a letter acknowledging assistance and listed the same 6 items. When I called to clarify the rep cited my bankruptcy again and insisted that I provide my attorneys number to authorize the conversation. I then emailed my question and never got a response. I received a letter dated XX/XX/XXXX stating that I had {$26000.00} escrow credit and that my new payment was due XX/XX/XXXX. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX warning me of foreclosure proceedings and that my file was with an attorney and foreclosure proceedings were starting not from the beginning but from the point of the last forbearance. The loan is not accessible on the website and the insurance has not been paid through the lender. I received a default payoff quote with the warning that proceedings would advance despite no prior notice of status. I notified the bank that the property will be sold within 30 days pending multiple private offers.
|
| 08/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury.
1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests!
2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future!
3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No!
4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No!
5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No!
6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No!
7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No!
8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No!
9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No!
10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!
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| 11/03/2022 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I had a hail loss back in XXXX of XXXX. I filed a claim with my insurance company XXXX XXXX, I sent my XXXX settlement check of XXXX to them in XXXX of XXXX. Due to the extent of damages i had to get a public adjuster involved in my claim. He was able to settle the claim for over XXXX. We have received two more XXXX checks of XXXX and XXXX and submitted both of those.
I received a packet from PHH requesting contractor contract 's, a W-9 and a XXXX waiver along with the insurance estimate ( which they have had since XX/XX/XXXX ). I have provided them the information requested by fax, email, regular mail and have made at least a dozen calls regarding the release of funds to get the work on my house done. During those calls, PHH has said the information we provided was incorrect but could not tell us what was incorrect, we resubmitted the requested information, half a dozen times.
At one point during one of the calls, a representative told me my funds would be released in five business days. Those business days came and went and I called them again. PHH then advised they had no record of my claim. I once again resubmitted all documentation via, fax, email and mail. No response and no acknowledgement of any correspondence has ever been received from PHH.
On XX/XX/XXXX I called them again. My contractor has replaced my roof, siding and fence and needs to be paid for the work completed. According to the PHH rep, their system is now being upgraded and he has no record of any documentation. He gave me a fax number to send the documentation in that we have already submitted four times. We have resubmitted our documentation again today, XX/XX/XXXX.
To date PHH is sitting on my XXXX insurance proceeds of {$53000.00}. I will have another {$35000.00} of recoverable depreciation once I submit my final invoices to my insurance company. I have not been able to access one dime of my insurance proceeds and now the work is nearly done and the contractor is demanding payment.
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| 12/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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Ocwen is reporting late payments to the credit reporting agencies when our mortgage loan with Owen is under a Federally Declared Disaster ( FDD ) program. During the FDD program period, our loan is set up on a forbearance payment plan effective XXXX XXXX, XXXX through XXXX XXXX, XXXX. During the FDD period we are not required to remit any payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX. During the FDD period, Ocwen was not supposed to submit any derogatory credit reporting while the loan is on the disaster area assistance forbearance plan.
I submitted a complain to Ocwen regarding the adverse credit reporting during the FDD program period. Ocwen responded with a letter dated XXXX XXXX, XXXX, confirming that there should have been no late payment reporting during the above mentioned timeframe.
However, as of XXXX XXXX, XXXX, Ocwen is still reporting late payments to the credit reporting agencies. I sent letters to all three credit reporting agencies disputing the negative credit reporting activity from Owen during the FDD program period and attached the letter I received from Ocwen stating that they should not have done so.
I have received two alerts from XXXX credit monitoring informing me that my credit score wend down for the singular reason that Ocwen is reporting late payments during the Federally Declared Disaster ( FDD ) program period, even after receiving I received a letter from Ocwen stating they should not and would not submit any derogatory credit reporting during the forbearance plan period.
I submitted a prior complaint regarding Ocwen 's corporate behavior previously. I have worked in XXXX XXXX for 19 years and I must tell you, Ocwen is the worst corporate citizen I 've ever encountered. Every attempt I have made to work with Ocwen has been a nightmare. This company 's handling of client service matters is adversarial. It drives me crazy to hear their phone message say " Ocwen - where helping customers is what we do. '' It 's a bogus claim.
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| 12/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Deed was mis-recorded with just my name and not both my then husband and I. Home was declared and discharged in XXXX in 2009. I was told to move out and home was in foreclosure. My then husband joined the military shortly there after and was in XXXX. I moved out thinking it was being foreclosed on. Great, I could afford to live there and we did not want the house back. Years later I found out that I and I alone was sued by the hoa and bank had not foreclosed. I should have had SCRA protections but since my name was the only one on the deed I got sued. I have been defrauded over the last decaded, sued numerous times due to the deed being misrecorded. My now ex husband has been spared from any legal actions and this situation has caused no harm financially or emotionally to him. I have had to spend thousands in legal fees over the years. I had to file XXXX last in XXXX because I am now XXXX because of an injury.. I am essentially homeless, but I do get a whopping XXXX a month on ssi. My bankruptcy is still ongoing because Ocwen is still lingering and I had to claim it as an asset. Ocwen is doing nothing with the property dispite letters from me from my attorney over the last decade trying to get this off the books and do a deed in lieu of etc. I either get no response or re-fi paperwork and a copy of the original mortgage paperwork where my ex husband and I closed on the property. This situation is simply ridiculous and I believe that it has violated my rights in numerous ways as well as causing me irreparable financial damage. 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 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 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 XXXX XXXX XXXX XXXX XXXX
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| 04/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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PHH Mortgage has failed to pay my property taxes from my escrow account. The amount due is {$3700.00}. My taxes were due on XX/XX/22. Because of their failure to pay my taxes timely, the due amount is now {$4100.00}. PHH agreed to pay the penalties at {$340.00}. But the penalties continue to accrue. And I have no confidence that my taxes will ever be paid. I received a delinquent tax notice from XXXX XXXX in XXXX. I immediately reached out to PHH for resolution. But PHH continues to stall me with excuse after excuse for why they haven't paid my taxes. First they told me they escalated with the Tax Department for researching. This took weeks. I continued to call and email. Next I hear XXXX XXXX is verifying due tax amount w/ XXXX XXXX XXXX I wait weeks. Then I hear my case has been escalated w/ the legal department. I ask why my case has been referred to the legal department. They can't tell me why. They don't really tell me anything except that my case is being " escalated '' and " researched ''. After reading the overwhelmingly abysmal reviews about this loan servicing center where many complaints are similar to, I am truly disheartened and afraid that my taxes will never be paid. In researching this company, I learned that 30+ Attorneys General filed a class-action suit against PHH for shady financial dealings and for a pay-to-pay scheme ( customers forced to pay a service fee for making payments online ). I received a notice from PHH advising that if I don't switch to auto-pay, I will be billed for making payments online. I understand that PHH has acted in violation of RESPA. I am desperate to get my taxes paid. I can't afford to make this kind of payment out-of-pocket. They continue to hold my monies hostage in my escrow account. They called me tonight to tell me that that they called XXXX XXXX but couldn't get through to them. I have called my tax department many times to discuss my case and have never had a problem with getting through. Please help me CFPB!
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| 02/17/2022 |
Yes |
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Web |
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On XX/XX/2022 escrow closed on my home located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Within that week I went to PHH MortgageXXXX website to confirm it was paid in full and it was. I also put a forwarding address as to I was waiting on my credit for my escrow account in the amount of {$4500.00}. PHH mortgage proceeded to send my check to the corona address even after I had updated a forwarding address. I found this out on or about XX/XX/2022. The agent then told me she would stop payment on that check and reissue it to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX. She stated The check would go out the next day or XXXX XX/XX/2022, at the latest. I waited approximately a week, XX/XX/XXXX, and called to verify that the check was indeed on its way to the new address, I was told yes it went out at the end of XXXX. On XX/XX/XXXX I called PHH mortgage again and let them know that I still had not received my escrow payout and I was informed that I should " Give it a few more days '' Now it had almost been 2 weeks so I asked for a supervisor. I spoke to him and we agreed I would give it to XXXX, XX/XX/XXXX He would give me a call that day to confirm I received the check, and if not he would cancel the check again and overnight a new one. I never received a callback. On XX/XX/XXXX I called asking for a supervisor and now was informed that they have to wait 10 days for the turnaround process then they would overnight me a check. I felt now I am getting the run-around and they have no intention of sending me a new check. Again I asked for the person above him as this is not acceptable the check has obviously gone missing its been 3 weeks since it was mailed. All other correspondence that I have received from PHH has had no issues reaching my home and they were all sent in XXXX so how is this possible? They are refusing to send me my check it is very simple to just overnight it I am constantly told that someone will get back to me I just want my money that is owed
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| 04/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years.
They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that!
Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX!
So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried.
During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX?
What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!
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| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/XXXX I applied for and received an ad valorem property tax exemption from the XXXX XXXX XXXX XXXX for a total and XXXX XXXX tax exemption.
I called PHH Mortgage on XX/XX/XXXX to advise them of the XXXX exemption because they were charging me for county taxes in my escrow payments. I was advised to send a letter to their tax department at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, which I did, including our address and loan number as well as a copy of the letter of exemption from XXXX XXXX.
By XX/XX/XXXX, I called them to ask what the status was, and was told that they had no record of having received any such correspondence. I was told to email the information to : XXXX I emailed them a copy of the aforementioned letter from me as well as the XXXX XXXX XXXX XXXX letter of exemption. I also sent them hard copies to the Tax Department in XXXX XXXX XXXX, this time return receipt via USPS.
I called PHH Mortgage Services again on XX/XX/XXXX, and was told they still had not received any information, regardless that I had the signed receipt from them. I was transferred to an Escalation Manager named XXXX, who promised me that he would personally look into the situation. He asked me to email him all of the information to : XXXX and promised to call me by XX/XX/XXXX.
On XX/XX/XXXX he left a message on my phone, and I called him back at XXXX XXXX, and got voicemail, and left him a message. On XX/XX/XXXX he called and left me a message again, and when I called back I got a woman who said she would assist me.
She called the XXXX XXXX XXXX XXXX while I was on the line and was told that my taxes for XXXX would be XXXX, and there were no ad valorem assessments on my property.
The lady at XXXX then told me that they would continue to collect the tax escrow monies until that time, and then, and only then, if there were no taxes due they would reimburse me for the monies they have been charging me for taxes since XXXX, XXXX, the yearly total would be {$2800.00}
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| 12/08/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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1. Recently I tried to ascertain the payoff balance of my mortgage. I requested both the amount needed if I refinanced or just paid off the loan. ( the possibility of sale of property was not included nor needed ). And I requested a copy of what they say my mortgage says.
2. They contacted an appraiser who never came and stated that my mortgage payoff balance would include any growth in value just as if I were selling it. No where on my mortgage does it indicate that.
3. There have been several attempts by myself through the CFPB to resolve the issues with the principal balance and they have still not been resolved.
- The company did a review and did show credits reversing many ( but not all ) of the illegal fees I had been assessed during the life of the mortgage. Those fees should go back to approximately XXXX when I paid extra to the principal and it was misapplied and showed me in arears. Also, I tried to work on a payment plan to catch up the payment they said was late and that extra money just disappeared.
Where the company did show that it was reversing those charges, the actual credits did not show up anywhere on the account. They did not lower the principal balance nor do they show up crediting any other portion of the account.
-There are 4 mentions of Share Waive Adjustments. At the time those started showing the principal balance was listed as XXXX.
The only one to actual credit to the account was the XXXX.
There is another listing of XXXX right after that but does nothing to the balance.
There are three ( 3 ) more listed on XX/XX/XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX that show they are supposed to be credited to the account principal but are not.
The information provided to me for tax purposes and on the mortgage are twice the amount of XXXX.
4. When they have made corrections to the account they do not go back and readjust the principal and interest calculations. They are still charging me interest on a higher amount than I owe.
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| 08/06/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I had XXXX XX/XX/XXXX. I called them before and after XXXX to ask what we could do. I am self employed and would have no income for about 6 weeks. They kept telling me they could n't help me until I was 2 months behind in payments. But I called in XX/XX/XXXX and XX/XX/XXXX to see if we could do anything. So we got 2 months behind so they could help us. So we started a loan modification process. In XX/XX/XXXX I tried to make a payment and they would not take less than 3 months worth of payments!! I ca n't understand that! But they said I assure you there is no need to worry we will add it to the modification and it will be fine. I asked them about it every time we talked. Same answer and they would n't let us pay anything! I also got concerned because they kept stalling on getting modification complete. They needed this then that and some things they ask for over and over until time ran out! No worry ma'am we will start a new process just turn everything in again!! And again no worries about payments. Well I should 've trusted my gut because they called XX/XX/XXXX and said we are sorry your modification has been denied because you have too much equity in your home. This loan is too small for a modification!!! We had just received a foreclosure letter from a company saying Ocwen had turned us over to them. I asked about it and he said again I assure you it will not go into forclosure! ( That was before we were denied ) and now after working hard to pay off our house for 25 years they have put us in foreclosure!! I just ca n't believe it. And I ca n't believe they wo n't do anything to help us get current. 7 months of them not taking any money!! We do n't have that kind of money! I forgot to say this is our XXXX mortgage. First mortgage is current and with XXXX. We wanted to try to consolidate the XXXX loans but no bank can give us a loan because of damage of not making payments for 7 months!! There has to be something to help us save our house. This is so unfair!
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| 12/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My escrow account has been mismanaged, and incorrectly analyzed. Refunds have been issued over the past 2yrs, that should have never been issued, which resulted into escrow shortages, and increases in my mortgage payments for the past 2 years. These mistakes has increased my mortgage payment by {$340.00} in the past 1 years, making it difficult to pay my mortgage, and impossible for me to catch up my mortgage payments, should I ever fall behind, like now. I have never fallen this far behind, but the difficulty in catching up is because of the continuous increase in payments. I have not been able to speak with the assigned case manager, or anyone else representing the company. The recording always states the case manager is not available. There have been numerous times I have been on hold for over an hour. The only type of communication I receive from the mortgage company is by mail. Ive received the same correspondence dated 2-3 days apart on more than one occasion. Now Ive received an intent to foreclosure. My payments have went from {$1000.00} to {$1400.00}, all due to escrow shortages caused by the mortgage companies mishandling of my escrow account. There has been no significant change in my property tax payment or homeowner insurance payments. In one analysis PHH states actual payment for property taxes were {$12000.00}, and Hazard Insurance paid was {$1.00}, XXXX. My last property tax payments totaled {$8600.00} for XXXX, paid in XXXX, and Hazard Insurance paid was {$1300.00} for XXXX. I don't know where they got this information from, and it is not supported by any of the payment information of the Escrow account. The escrow shortage exist only because of the mismanagement of the escrow account for XXXX and XXXX, XXXX. During this time they have refunded a total of {$5400.00} and the shortage amount totals {$6300.00}. The amounts listed for actual payments of property taxes and insurance are incorrect, but I can never reach anyone to discuss this issue.
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| 05/19/2016 |
Yes |
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- Communication tactics
- Threatened to take legal action
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Web |
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I sent a notice to correct an error on or about XXXX XXXX, XXXX. Ocwen sent 2 separate letters stating that they would investigate and provide documents. Ocwen has failed to respond to the notice but have had counsel, its office of the Ombudsman and customer care inform me that the sale will proceed on XXXX XXXX, XXXX without any documents presented that no errors occurred. Documents showing that I have asked Ocwen for a response as early as this morning is attached. The attachment also supports that there are in fact errors that were made.
MailBoxes Inbox ( XXXX ) Drafts ( XXXX ) Sent Spam ( XXXX ) [ Empty ] Trash [ Empty ] My Folders [ Edit ] Previous Next XXXX ' XXXX XXXX 's unbelievable how different your daily life can be with the addition of some smart tools. Free your mind to focus on the really important things.
Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX, XXXX.
Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX, XXXX via electronic services.
Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred, I am attaching documents that are evidence of your errors.
Please be advised that a formal complaint will be filed in Federal Court as a result of your inaction on the Notice to Correct the Error.
A new complaint will be launched with the Consumer Financial Protection Bureau.
Regards,
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| 01/06/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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I AM HAVING ON-GOING FINANCIAL MISMANAGEMENT OF MORTGAGE PAYMENT PROBLEMS. FIRST WITH OCWEN LOAN SERVICING, LLC THEN WITH PHH MORTGAGE SERVICES WHICH MERGED WITH OCWEN LOAN SERVICES @ XXXX, XXXXBOTH COMPANIES ARE GUILTY OF TAKING ANY ADDITIONAL FINANCIAL PAYMENTS THAT I MADE EACH MONTH OF MONIES THAT WERE MORE THAN THE REQUIRED MONTHLY PAYMENT WHICH I HAVE CONSTANTLY INDICATED TO BE PAID ON THE DEFERRED PRINCIPAL BALANCE OF {$73000.00} ( A BALLOON PAYMENT ) THAT I BEGAN PAYING ON IN XXXX SO THAT I WOULDN'T HAVE TO PAY A LUMP SUM OF {$73000.00} ONCE THE REGULAR PRINCIPAL MORTGAGE WAS PAID. INSTEAD, FIRST, THIS CONSTANTLY TOOK PLACE WITH OCWEN LOAN SERVICING, LLC. THEN, WITH THE MERGER OF OR A PURCHASE DEAL BETWEEN OCWEN AND PHH MORTGAGE SERVICES IN XXXX OF XXXX THE FRAUDULENT PRACTICE OF FINANCIAL EXTORTION HAS CONTINUED OF IGNORING MY STATING IN WRITING WHERE I WANT EXTRA FINANCIAL PAYMENTS TO GO WHICH WAS ON THE DEFERRED PRINCIPLE, AND BOTH OCWEN AND PHH PUTING THE EXTRA MONIES WHERE THEY CHOSE TO OR WANTED TO AS EXTRA MONTHLY PRINCIPAL PAYMENTS AND EVEN AS AN ADDITIONAL ESCROW PAYMENT. I HAVE CONSTANTLY BEEN GIVE " LIP SERVICE '' APOLOGIES AND FALSE PROMISES, EACH AND EVERY TIME THAT I HAVE CONTACTED THEIR CUSTOMER SERVICE DEPT. AND/OR ESCULATION MANAGER DEPT ONLY TO HAVE THE FRAUDULENT EXTORTION AND PRACTICE TO CONTINUE TO THIS DAY. PHH CONTINUES TO MAIL ME MONTHLY STATEMENTS WITH INCORRECT FINANCIAL INFORMATION AND FINANCIAL ACTIVITY. I HAVE EXTENSIVE, DETAILED HARD COPY WRITTEN AND PRINTED INFORMATION THAT SHOWS THE ON-GOING PRACTICE OF FINANCIAL EXTORTION BY OCWEN FROM XXXX THRU XXXX BEFORE THE MERGER WITH PHH MORTGAGE SERVICES AS WELL AS HARD COPY RECORDS FROM XXXX, XXXX TO THE PRESENT BY PHH.BY THEIR CASHING DEPARTMENTS IGNORING MY WRITTEN AND PRINTED INSTRUCTIONS OF WHAT WAS TO BE PAID WITH MY EXTRA MONIES ON-LINE AS WELL AS IN WRITING ON THE MAILED MONTHLY PAYMENT COUPONS AND IN WRITING ON MY CHECKS.THAT ARE ATTACHED TO THE MONTHLY PAYMENT COUPONS..
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| 07/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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My mortgage company went bankrupt ( GMAC ) and my mortgage went to Ocwen. They worked with me to lower my payments. They then made a mistake and put in my income higher than it was. They said they would have to redo it-after I had paid hundreds of dollars the first time to lower my payments by paying them for processing, etc. The second time they worked with me again, setting my payments at {$540.00}. My mother in law became very ill and we ended up paying a lot of her medical costs, then for her entire funeral. This set us back but I still kept paying my payment before the XXXX-the late fee day. Every month, I would pay exactly what the mortgage company said that I owed for that month. {$540.00} it coming out to be {$620.00} a month. This month, I received help from the VA because I am a veteran. They asked me how much was due. I sent them a statement of the mortgage which said for XX/XX/XXXX, the payment was {$1200.00}, even though our payment was only {$540.00} a month. Even with late fee, the payment for both XX/XX/XXXX and XX/XX/XXXX would have been $ XXXX.The VA paid them, THIS MONTH {$1200.00}. I went to make the payment for XX/XX/XXXX, ahead of time and the amount shown was yesterday @ XXXX XXXX for {$640.00}. No extra fees, nothing. I set up a payment for {$640.00} + {$2.00} making the withdrawl for Ocwen, {$650.00} current for XX/XX/XXXX. Today, I logged in and looked to print out a copy of my scheduled payment. My amount due is now {$660.00}!!!
This amount changed overnight. These payments are changing continually and I want it to stop. This is why customers get behind and this is why we lose our homes! There should be no extra fees. There should be no " property inspection fees. '' My mortgage was current as of XX/XX/XXXX.They then added a late fee of {$15.00} even though VA just paid and specifically wanted the amount indicated that was due. Now they have added another {$15.00}. My XX/XX/XXXX payment is not due yet and I have it scheduled!!!!!
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| 02/28/2017 |
Yes |
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- Settlement process and costs
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Web |
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I received pretender lender loan servicer " Ocwen Loan Servicing '' mortgage statement, XX/XX/XXXX. between XXXX and XXXX Ocwen Loan Servicing used Homeward Residential and American Home Mortgage robo-employees as a court XXXX tool to phony up a XXXX lawsuit against me by using forged fabricated documents and robo-witnesses. Ocwen Loan Servicing made several attempts through the years to rip off my home I own free and clear. I do not owe Ocwen Loan Servicing a single penny, never have and never will. Ocwen Loan Servicing used fraudulent foreclosures, using its cozy relationship with altisource to phony up fraudulent trustee sales, using sale threats as a weapon, that if I did n't sign the loan modification settlement they would proceed with fraudulent trustee sale and I would lose my home I own free and clear. I have serious health troubles, I signed the fraudulent {$750000.00} loan modification under stress and fear to stop the altisource fraudulent trustee sale that was taking place in just days. Ocwen Loan Servicing and its lawyers have been harassing me for years, which has caused me serious life threatening permanent health troubles which will be proven in court. With the support of my doctors and new lawyer I will be given my rights back and be given a fair jury trial. I will be retaining attorney " XXXX '' XX/XX/XXXX, she will be serving Ocwen Loan Servicing with summons. Ocwen Loan Servicing stop harassing me, stop using your cozy relationship with altisouce to further threaten me and push me around. I do not owe Ocwen Loan Servicing a single penny. I will not pay pretender lender loan servicer " Ocwen Loan Servicing '' {$750000.00}, over {$200000.00} more the {$550000.00} Option One Mortgage Loan that was paid off over 10 years ago.
I pray in the name of XXXX that you please give those Ocwen XXXX employees terminal XXXX so they will stop harassing me and leave me alone, and so they will feel the pain of what its like to be tortured for years. Amen!
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| 01/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX.
On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property.
Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing!
I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL.
My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.
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| 12/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Please help me to stop a foreclosure that is scheduled for XXXX XXXX. It would be unnecessary and unfair to foreclose while I am still waiting for a response to my appeal of Ocwen 's wrongful denial of my modification request. All I want is a chance to make a reasonable payment.
I applied for a modification and sent in all the information that Ocwen asked for. Then I was wrongly denied based on Ocwen 's error.
In a " non-approval notice '' letter dated XXXX XXXX, 2016 ( attached ) Ocwen said I was denied for a modification because my income was too low. The notice says that Ocwen verified my gross income as {$XXXX}. That is completely wrong.
I had given Ocwen all the papers they asked for to document monthly income of {$XXXX} from retirement income as a retired XXXX XXXX XXXX employee, plus monthly income of {$XXXX} from Social Security ( {$XXXX} per month before deduction for medical insurance premiums ), plus monthly rental income of {$XXXX}. Even if they only count part of the rental income, that is still far more than the {$XXXX} they mentioned.
So I sent Ocwen a letter dated XXXX XXXX, 2016 ( attached ) appealing the denial and explaining that they had made a mistake calculating my income.
Ocwen confirmed they received my appeal, and in a letter dated XXXX XXXX, 2016 ( attached ) they said they would send me a written response.
Since then, my niece has called Ocwen to check if anything more is needed. My niece has been authorized to talk to Ocwen for me since I am XXXX and it is also hard for me to communicate in XXXX. Ocwen has told my niece again and again that no more papers are needed for my appeal. They even told her the file was in the " under writing '' department.
But we never got an answer or any update about the appeal. Instead, Ocwen scheduled a foreclosure sale for XXXX XXXX, 2016 ( letter attached ).
Please have Ocwen postpone the foreclosure sale so there is time to give a fair consideration of my application and the appeal.
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| 11/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX.
Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX.
Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period.
The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days.
Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer.
I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.
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| 07/10/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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My daughter received a call from a company that stated that my property was in foreclosure. She thought it was a scam so she called PHH on my behalf to discern if this was the case. It was confirmed by representative XXXX, employee ID # XXXX, that the property was on foreclosure. My daughter informed me and I requested to know what occured. Although all taxes were up to date on the property, according to the representative, the company paid the the XXXX XXXX XXXX {$3000.00} on behalf of the property in XX/XX/XXXX. I was not informed of this even though they said that there was correspondence to me, I never received anything. My daughter called back to find out if the amount could be paid by virtual check only to hear from another representative, XXXX ID # XXXX, that the amount had changed to XXXX. The original amount was confirmed with the previous representative more than once and also with this representative. The cost to remove the home from foreclosure increased in less than an hour. This is not the first time that I depleted my funds just to remove my home from foreclosure for miscellaneous charges by this company that I was not informed of. I am on a fixed income and do not want to lose my home due to shady practices. Although I have sent through a check via mail to resolve this matter my money is now next to nothing and I am suffering. I was supposed to be refunded money from this company for charges that were duplicated but I have yet to receive any of my money back although I have been charged randomly throughout the years of this contract. I feel like this company is trying to scam me out of my home. They have already paid a large sum in restitution for illegitimate business practices in XXXX and now I feel like they are still attempting to siphon money from unknowing borrowers but on a quieter scale. I would like my mortgage agreement and payments to be reviewed to ensure that the costs that are consistently brought upon me are valid. Please help.
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| 04/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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OCWEN is taking my home away through a foreclosure sale on XX/XX/2019 and there is nothing I can do to stop the sale. They have hindered my ability to obtain mortgage assistance ; having never had my loan completely reviewed for mortgage assistance. I feel that I am defenseless against a giant foreclosure machine and need your help to stop them from wrongfully taking my home away. I see that you fined them XXXX XXXXXXXX for not helping homeowners and they are apparently still doing now what they did before. You also gave them an order to help homeowners, but apparently that has fallen on deaf ears at OCWEN. When I purchased my home, I was conned into taking an interest only loan for five years. This loan product is for investors, but the mortgage broker sold me on the benefits and said I could always refinance my loan. When the economy started to crash and I lost my job, the reality of my situation hit home and I reached out to OCWEN for help. They have never performed a full review of my loan for retention options, even though I have tried to work with them for years. Instead of being fair and negotiating with me to create a modified loan that I could afford, they kept sending me these ridiculous streamline offers that are unaffordable. Further, they are not acting in good faith. When I finally believed that they were going to work with me on my loan, they gave me a date to resubmit for review that had already passed. I have never had a single point of contact and feel they are just snubbing their noses at the consent decree you gave to them years ago. I have a sale on my home scheduled on XX/XX/2019 and will lose my property if OCWEN can not be stopped. It turns out that the real estate company who is selling my home is also owned by the company who owns the loan! I believe this is illegal. OCWEN and the investor have no motivation to work with me because my home has equity and they will make money three different ways on the foreclosure sale. What a scam!
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| 12/01/2017 |
Yes |
- Mortgage
- Reverse mortgage
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Web |
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I applied for a reverse mortgage for my Mom to stay in her condo and was approved XXXX/XXXX/XXXX. She XXXX XXXX XXXX and although we hoped her to have XXXX and get her back she was never able. During this time they guided me to what they needed and what I needed to do.
Mom XXXX XXXX XXXX, XXXX. I had a XXXX XXXX XXXX XXXX. I called them in XXXX and found out what was needed. XXXX XXXX, Trust, Letter of Intent, Appraisal & monthly checking in.
I contacted them via fax and/or phone conversation with three different staff on XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the handwritten notes supporting this. I was told a new timeline would begin not based on Mom not returning but on her XXXX which got me to XXXX XXXX.
XXXX XXXX, XXXX I called for my monthly check in and was told the loan was due XXXX XXXX, XXXX based on Mom not returning.
I asked for a supervisor and went over all the times and the staff who shared information on the new extension date. Her response was that the staff were either no longer with the company or were in training at the time. She would not work with me at all on their mistake. Mom 's condo was listed in the morning on XXXX XXXX, XXXX.
The supervisor told me unless I paid the loan by XXXX XXXX they would no longer manage the loan and it would go to a foreclosure lawyer to accept the process to begin a foreclosure. The condo sold and we closed XXXX XXXX and I ended up paying {$3300.00} to the lawyer and another {$880.00} for I do n't know what as it also was in the amount collected at closing on the XXXX statement under the line of Mortgage Payoff Good Through XXXX/XXXX/XXXX to Ocwen Loan Servicing.
This is not right. For the servicing company to advise me of an extension that was not honored and I am out {$3300.00} to the lawyer and another {$880.00}.
Respectfully asking for that money to be returned to me.
Thank you I have all the notes to include dates, names, phone numbers and conversations I had regarding this.
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| 05/21/2016 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.
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| 08/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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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
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| 03/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen loan servicing is the servicer of my loan.
1. They refuse to talk to about anything.
2. They refuse to send me any papers.
3. They will not send me my statements4. They will not send payment statement.
5. They will not return any letters or phone calls.
6. They refuse to let me know what owed on loan.
7. They refuse to let me know if they received my payments.
8. They refuse to let me know what my payments are.
9. They but forced insurance on this property when I have insurance on the property. They refused to take it off after 3 months of sending them proof and calling them over XXXX times.
10. They double charged me for insurance.
11. The only thing that they will say when I call, is that they were told not to talk or send anything to me due to I filed litigation against them.
XXXX. I have over XXXX documented calls to Ocwen and copy 's of letters sent to prove this.
I believe they are doing this because I filing a lawsuit and complaints against them in an unrelated mortgage that they are servicing for XXXX XXXX XXXX. ( Case, XXXX in XXXX County ). This has noting to do with this loan which is owned by you, XXXX. There is no reason for there conduct in the servicing of this loan. I have no complaints or lawsuits against you. I have not missed any mortgage payments. Its not in foreclosure. I want to make payments on time and have been making payments for the last 4 months not knowing what my payments are, and if they were even credited ect.
I believe they are going to to try to foreclose on this loan even though I have proof of all of this, just like they illegally did on the loan with XXXX. This is the loan I filed the lawsuit on. This letter will be sent along with complaints to other agency 's including the press.
The nation is in a foreclosure crisis and the courts are full of foreclosure cases. There is no excuse for this conduct by Ocwens loan servicing. They may cause this loan to go in foreclosure for no reason what so ever.
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| 05/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Good morning. Back in XXXX I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in XXXX XXXX XXXX they offered me a " streamline XXXX XXXX and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in XXXX XXXX and was granted XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The problem I am having is as follows : 1 ) Every year since XXXX my escrow account is short by a significant amount of money. They spread the shortage over a period of XXXX years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high. 2 ) When I modified in XXXX my unpaid principal balance was {$86000.00}, and my XXXX was {$640.00} with a maturity date of XXXX XXXX XXXX . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on XXXX spoke with rep ID # XXXX and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account. If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.
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| 07/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following.
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX.
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend.
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.
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| 05/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.
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| 09/29/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I purchased a home in XX/XX/XXXX. PHH Mortgage was mortgage holder for prev owner. However, PHH Mortgage is still attempting to collect a debt on my property owed by prev owner. They are consistently sending bills and sending a man to my home on a monthly basis to " inspect '' my home. He is trespassing by going into my yard, driveway, porch and taking multiple pictures of my home. I am outraged that I have this strange man consistently coming on my property violating my privacy and taking pictures. I am at the point where I am going to reach out to law enforcement and provide this man 's photo and license plate for trespassing. The first time I caught this man on my property was XX/XX/XXXX when I saw him on my doorbell camera, I was extremely upset and concerned to see a man lurking around my home taking pictures especially since I have children. He never knocked or rang doorbell and by time I got outside he sped off and I was able to take a pic of his vehicle. Later my neighbors mentioned this is not the first time they have seen this strange man. The following month he returned again. I determined that it was related to PHH Mortgage 's inspection process so when I received an unsealed envelope with a mortgage statement inside I called XXXX on XX/XX/XXXX and spoke w XXXX ID # XXXX. I explained my concerns, and I was assured he would forward the information that I am the new owner for several years. I also advised him owner information is public and he could find it on the city and county website. I hung up with the promise that this would be stopped and he provided a phone number XXXX XXXX. On XXXX the man returned so I made another call to XXXX, and XXXX and spoke with XXXX ID # XXXX. I advised I spoke to XXXX he said that he knew him and that he and XXXX were both supervisors. I spent about 1 hour on the phone again and was reassured and promised this would not happen again. The same man returned today XX/XX/XXXX! I need this to stop immediately!
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| 08/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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I am a home owner. I had Ocwen mortgage which is now PHH. I was sad to see Mr XXXX go since he knew the horrors of Ocwen. After twelve years of XXXX with Ocwen dealing with botch escrow accounts putting lender place insurance on my home 106 times and never giving me credit for it after it was discovered but taking it out of my loan then saying I was behind, robo calling, on and on I finally being XXXX cant fight any more and I let the home go to foreclosure. I have complained to you before about them. During the redemption period we had our realtor negoitiate a short sale. We have a buyer and Owen approved it. There relationship manager worked on this for 4 months. We have a buyer and a approval by Ocwen. theclosing was delyed because we were waiting for paper and lien removal from IRS. Then by that time PHH took over Ocwen. We were ready to close and they would not honor the short sale stating they dont allow them during the redemption period. They are much worse then Ocwen. There is no reason given. Of course you can never talk to the same person twice. XXXX XXXX is unreachable as are all the higher ups. Our relationship manager XXXX XXXX worked four months on this he is not sure if he is even working there. There is no reason to deny the shortsale we have a buyer. They will not have access to the driveway if this does not go thru as we own that and bought it separately and it does not go with house. In addition XXXX XXXX is part owner because they are removing dioxins from river. Why are these type of companies still in business. I know that they hire lots of former government officials in these areas and top executives go to the government as well from these companies. Yet millions of homeowners lost there homes and no one is doing anything. They dont want these horrible companies to go down. They just want them to get fined to death so they can keep there agencies afloat. Its a crime.
Please help us. This is not right we have no where to turn.
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| 03/31/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX.
On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease.
Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX.
Based on the above, I find the pooling agreement forwarded by Ocwen, invalid.
The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way.
Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.
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| 11/02/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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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.
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| 03/24/2017 |
Yes |
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- Settlement process and costs
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Web |
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XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.
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| 01/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Starting in the first quarter of 2008, AMRICAN HOME MORTGAGE, HOMEWARD RESIDENTIAL and now OCWEN have conducted malpractices with me the borrower in the past including ( among other things ) : robosigning, charging improper fees, providing false or misleading reasons for denying loan modifications, failing to honor in-process loan modifications agreed to by prior servicers. As a research was conducted on my loan origination and process a number of these malpractices were found and have proof on my records. such as lack of having thje original note of my loan and not felling ashamed on that and at least giving me a fair modification that I can effort to pay. Instead I have had to request modifications a number of times through the past 7 years but have not received. At times they would offer modifications that made not sense in our finances situation such as offering a mortgage payment of XXXX while my income was not even XXXX monthly.
My financial situation now is better then before. therefore again I went ahead and requested a modification and again this bank shamelessly is not even giving me a formal denial As matter of fact the bank representative says that the bank thinks that I requested to many modifications and did not accepted me, also they say that '' the Investor '' does not want to modify the loan .And question is which investor? because i have prove that this bank has sold my loan in the XXXX 7 times. if you need prove and i can send to you. That is why they do n't even have the original note. but no formal answer has been giving to me.. I need help. I need this bank to be held accountable on the dishonesty that they di in the past. When this bank was convicted my court on doing the same with other consumers they promised to act better with people and this has not happened at all with us. Please help us. Make this bank responsible for what they do being under lots of stress because of this matter and I need help regarding these issues.
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| 06/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I purchased my home in XXXX, NJ on XX/XX/XXXX. My mortgage was with XXXX XXXX. On XX/XX/XXXX, I emailed a copy of the real estate tax exemption letter that I received from the Tax Assessor of XXXX Township ( as a surviving spouse of a XXXX XXXX XXXX veteran, the state of NJ grants exemption from real estate taxes ) ; the receipt was acknowledged on XX/XX/XXXX. I was informed that XXXX only does escrow analysis once a year in XXXX and at that time, I would be refunded the amount that I paid in real estate taxes and my monthly payment due would be adjusted. In XX/XX/XXXX, I was informed that my mortgage account was sold to PHH Mortgage. My account number is XXXX. I was told by representative of XXXX that PHH would be handling my account going forward and would be responsible for the required adjustments to my escrow account including refunding my overage. I called PHH and was told that the letter from the Tax Assessor was not provided when my account was sold. I then mailed the letter to PHH. The receipt was acknowledged by a customer service representative in XX/XX/XXXX. I was told that an escrow analysis would be performed with the tax exemption and it would take about 10 business days. I have attempted to speak with someone in the escrow department on several occasions but was always refused and told that the representative would relay messages and responses. On my last phone call on XX/XX/XXXX, I again was refused to be connected to the escrow department and the customer service representative told me that my escrow analysis was still being performed and I should wait 10 business days. I informed the representative that I was going to file a formal complaint with the applicable regulatory authorities and that he should relay that to the escrow department. It is now XX/XX/XXXX and I am owed several thousand dollars and my mortgage payments due have yet to be adjusted. I anticipate that this complaint will be instrumental in rectifying this issue.
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| 04/19/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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My husband died in XXXX. Our home loan was in his name only. Ocwen Loan Servicing LLC, required that I obtain " Letters of Administration '' to be able to speak to them about the loan. I did so. Then when I was in the process of applying for a loan modification there was a problem with one final document. My " Relationship Manager '' had mismarked an item on the document, I spoke to him and others about correcting the item to no avail. On XX/XX/XXXX Ocwen foreclosed on my home. When I learned of this in early XX/XX/XXXX I emailed every department in the company. The research department reached out to me wanting evidence of the issue I had that held up the application which, I provided to them. They then requested new documents with which to proceed with the modification, notifying me on XX/XX/XXXX " Please be informed that our records show that we received the documents on XX/XX/XXXX. Please allow 3-5 business days for the information to be reviewed to confirm we received all the necessary documents. In addition, we have referred the issue to the appropriate team who can take back the Foreclosure. '' Since that date, I have been told that my modification was " under review ''. My account page on the Ocwen website showed that the property had been foreclosed but that I was " under review '' as well.
On XX/XX/XXXX, A gentleman knocked on my door, told me that he had bought my house, and showed me the Deed in his name. I verified it with the Assessor 's Office. So while I was " under review '', Ocwen both foreclosed and sold my home. I've contacted the Ombudsman for Ocwen and XXXX XXXX, each is looking into the matter.
On XX/XX/XXXX I was served a 3-day Eviction Notice. I've called, left messages with Ocwen, emailed them, I've had no return contact as of yet. Tomorrow I'm meeting with XXXX XXXX XXXX hoping to fight the eviction at least long enough to get positive results from Ocwen.
Any help you can be with this would be appreciated beyond words.
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| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Ocwen Loan servicing LLC took over our mortgage from IndyMac in XXXX of XXXX. IndyMac took our automated payment out on the XXXX of the month instead of the XXXX as scheduled causing an overdraft that snowballed. In the end we were {$980.00} overdrawn.
We finally caught up 60 days later and began making our regular payments. We were assured that if we kept the account under 90 days late we would be fine. In XXXX of XXXX Ocwen put us on a modification plan without notice. I had turned down the modification earlier in the year as it added {$200.00} to our payment that we could not afford. In XXXX I sent the regular payment. It was returned at the end of the month for being less than the modification payment. This pushed us over the 90 day limit and Ocwen froze our account and would not accept any payment other than the full amount.
In the interest of keeping our home we worked closely with Ocwen to bring the account current to no avail. In XXXX of this year we applied for a principal reduction through XXXX ( XXXX ) and were approved. In XXXX XXXX sent Ocwen {$27000.00} ( approx ) which Ocwen accepted and then sent us a notice that we were not eligible for their loan modification as we did not send all necessary documentation. We were then sent the monthly mortgage statement listing the XXXX payment and listing our new payment due on XXXX XXXX. We then received a new notice from Ocwen this month stating that our loan modification was approved and our payment was due on XXXX XXXX.
I have made repeated calls to Ocwen and have gotten XXXX different quotes on which payment plan we have, the payment amount, and the due date.
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues.
Today ( XXXX/XXXX/XXXX ) Ocwen called requesting the documents to approve the modification plan!
Their incompetence is beyond belief and is causing me undue stress and anxiety.
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| 08/11/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I WAS PROVIDED WITH A MODIFICATION EARLIER THIS YEAR AFTER MAKING COMPLAINTS THAT OCWEN WAS UNABLE TO OFFER ME A LOWER PAYMENT.
I WAS GRANTED A MODIFICATION AND I BELIEVE I HAD MADE 2 PAYMENTS UNDER THE MODIFICATION BUT THEN MISSED THE LAST PAYMENT DUE TO A LAY OFF IN XX/XX/2018. I WAS UNSURE WHETHER I WAS GOING TO RECEIVE ALL OF MY SEVERANCE FROM THECOMPANY IN TIME. I MISSED THE LAST PAYMENT AND HD TO APPLY ALL OVER AGAIN.
OCWEN PROVIDED ANOTHER MODIFICATION A FEW DOLLARS HIGH AND THE FIRST PAYMENT WAS DUE IN THE MONTH OF XXXX BY THE XXXX. I ONLY MADE A PARRTIAL PAYMENT BECAUSE THERE IS {$570.00} SITTING IN UNAPPLIED THAT SHOULD BE USED ALONG WITH THE PARTIAL PAYMENT SUBMITTED. WHEN I CONTACTED OCWEN CUSTOMER SERVICE TOLD ME THAT THE MODIFICATION HAD BEEN CANCELLED. XXXX.
LET OCWEN GO ON UNEMPLOYMENT AND THE INVESTOR OF MY LOAN GO ON UNEMPLOYMENT AND SEE HOW ITS LIKE. THEY WILL ALL MISS XXXX IN THEIR 18K GOLD TOLIET BOWELS.
TODAY I RECEIVE A ETTER THAT MY NAPPLICATION IS DENIED FOR A MODIFICATION BECUASE I MISSED THE PAYMENT THIS IS XXXX AND DISCRIMINATION AAGAIST ALL HOMEOWNERS THAT ARE EXPERIENCING HARD TIMES. AS WELL AS I HVE BEEN FIGHTING FOR 8 YEARS AGAINST OCWEN AND THE INVESTOR TO WORK WITH ME BUT THEY REFUSE TO ABIDE OF THE LAWS TO HELP HOMEOWNERS.
THIS MATTER IS NOW BEINGING HANDLED WITH CFPB. I AM NOT CONTACTIUNG OCWEN ON THE PHONE FOR ASSISTANCE. THIS IS ABSURED. AND NEED ASSISTANCE AND REFUSE TO GIVE UP MY HOME OVER MY DEAD BODY. IF THEY ASSISTED ME AGAINST ALL THE COMPLAINTS I SUBMITTED WITH CFPB THIS HOME WULD NOW HE HALF PAID OFF.
MY APPLICATION ALSO STATES THAT MY REQUEST FOR MODIFICATION AGSIN HAS ALSO BEEN DENIED. I WAS ALREADY IN A MODIFICATION STARTING THE MONTHLY OF XXXX NOT XXXX OCWEN IS PLACING ME IN UNDUE STRESS AND THIUS XXXX IS UNACCEPTABLE AGAIN AND ALL COMPLAINTS GOING FORWARD WILL BE SUBMITTED WITH THE CFPB.
OCWEN IS ONLY A DEBIT COLLECTOR AND THEY DUE A POOR JOB AT THEIR JOBS AND ASSISTING HOMESOWNERS,
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| 04/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XXXX XXXX, XXXX I have had an issue with Ocwen since they bought my loan from XXXX XXXX when the banking system went south. Ocwen holds payemtns, sendthem back and when I fell behind they charged me false charges. Every month I get different mail from them with different totals and even a foreclosure notice on a loan paid to date. It is a continuing battle. I ca n't get on the website to view documents because it never works. They are behind in updating information and charge because of it. 4 times they have returned my payment to me for no reason. It is frustrating. I called again today and XXXX my case manager says I am up to date and he will send me information regarding charges. Thats fine but they should n't have charged me. All I can say is be persistent. Also it is not the employees fault it is the system they use. I have stopped answering phone calls from them because it is hard to understand them. I only deal with XXXX.
Charges are dated XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$140.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$130.00} ( XXXX charges XXXX day ) Property Evaluation XXXX/XXXX/XXXX {$300.00} Titel Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$0.00} ) Property Evaluation XXXX/XXXX/XXXX {$10.00} Title Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX charge XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$7.00} Title Fee XXXX/XXXX/XXXX {$7.00} Title fee again
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| 02/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX ( first year paying taxes through escrow ), loan servicer sent us a refund check for the remaining balance in our escrow rather than pay the county we owed taxes to. Then, the taxes came out of the account and put us into a " shortage ''.
XXXX Received our escrow analysis from XXXX claiming we were in a " shortage '' and that our payments would be increased from {$2200.00} to {$2300.00}. That would be an additional {$92.00} for the next 36 months to cover the shortage of {$3300.00}.
XXXX XXXX XX/XX/XXXX Escrow Analysis arrives stating we are now short {$3700.00} ( MORE than last year 's shortage ) and our monthly payment will increase by {$150.00} a month for the next 24 months beginning XX/XX/XXXX.
Brought our bill from {$2300.00} to {$2400.00}.
XXXX XXXX received an email of the escrow analysis ( although we had received the one in the mail in XXXX ). The email contains a video presentation stating we are now {$5600.00} short in escrow and beginning XX/XX/XXXX our mortgage will be increasing to {$2600.00}.
I reviewed our mortgage payment statement online. {$1000.00} a month goes into escrow. Our taxes every year are less than {$10000.00}. So if we are paying {$12000.00} into escrow a year, and taxes are only {$10000.00} ( which they haven't been that high yet ) ... why are we coming up SHORT? We are paying at least {$2000.00} extra into escrow. Why is our escrow shortage continuing to accrue a negative balance? And why does our mortgage continue to increase, although we are already paying to cover the shortage?
Please help! We are paying what they asked of us to cover the shortage AND our taxes... where is our escrow money going? How can they keep raising our payment by hundreds of dollars when they did the analysis and established the money needed to pay off the shortage and we are gladly paying it?
I am happy to provide all my Escrow Analysis documents from the first year we lived here. I can provide any information you need.
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| 12/26/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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Re : Ocwen Loan Servicing. Loan was modified less than a year ago. I was told by several people that committed a lot of fraud. XX/XX/XXXX filed national UCC. Uniform Commercial Code 1 & 3 with state of Colorado. I have a commercial lien and agriculture lien on the property. The note was tendered 3x and accepted. But ocwen continued to bill me. Now Im in foreclosure. I have sense filed XXXX & XXXX to prove that house was paid for. I have changed my name. I went back to my birth name. My givin name. I have. Drivers license and ssn in my name. I gave and submitted to ocwen and XXXX XXXX but they never updated paperwork. They submitted foreclosure in my old name. I am a XXXX XXXX. XXXX. The United States is a profit Ferderal Corporation, is bankrupt and has to pay our bills. XXXX XX/XX/XXXX, a bank emergency was declared by President Roosevelt because of the insolvency bankruptcy of the U.S. Executive order 6073, 6103, 6111, 6260 ; Senate Report 93-549, pages 187 ; 594 ; XXXX. New money promissory notes is is issued to the banks in return for government obligations, bill of exchange, drafts, notes, acceptance. My birth certificate was registered. Besides I didnt know about mortgage notes sold & securitization.See Senate document No. 43, 73rd Congressional record, 1st Session. XXXX XX/XX/XXXX. Since XX/XX/XXXX we have been in a state of national emergency. Under UCC Im able to discharge debt. I tendered the mortgage 3xs. I have recently learned that their is 2parts to a mortgage. And the note is continuously being sold. And then their securitization that no body tells you about. Your mortgage has a cusip number, your house is being traded on the stock market and they get the money. Everything you thought belongs to you doesnt because they have cusip numbers on everything that you thought you owned. This is all fraud. My name, my all caps letter name, my straw man is a business along with my birth certificate being registered with Secretary of State.
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| 12/31/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX.
There is no outstanding or delinquent balance.
Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.
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| 10/19/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My mortgage company ( Ocwen ) did not pay my flood policy which had cause my flood policy to elapse. I had contacted them several times before my policy had elapse in which they had stated that need to research what happen. I also called them with my insurance company ( XXXX ) on the phone which had confirmed with them that a statement was sent twice and the policy still was not paid.
Ocwen representative had stated that they will issue a payment. The next month I contacted my insurance company to make sure that the policy was paid and was told that not only was my policy not paid, but now had elapse. Since I am required to have flood insurance I had to have another policy made. The new policy was significantly higher then my last policy. It went from around {$540.00} a year to {$3800.00} per year. This new policy had caused an escrow shortage which in return cause my mortgage to increase.
My insurance company had explain to me and the Ocwen representative that had my policy been renewed prior to it being elapse that my policy would had remain at the {$540.00} per year. Ocwen told me that they would reimburse me the difference. This was about eight moths ago. Every time I call they give me the run around saying that at first they lost my account number to it will take 30 days. It have been well over eight months. The last time that I 've spoken to a Ocwen representative was on XX/XX/2016. I 've spoken to a supervisor from their insurance department name XXXX XXXX. XXXX XXXX told me again that they will need another 30 days.
I called them back today ( XX/XX/2016 ) and was told that they was still working on it. When I requested to speak with the supervisor again the representative stated that " there nothing that the supervisor can do the she ca n't ''. She then continue to deny me to speak with a supervisor.
In all my mortgage payment had increased twice this year for a total of about {$450.00} for Ocwen refusal to pay me flood insurance.
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| 08/20/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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This is complaint number XXXX. I originally filed a complaint a few months ago, the result of that complaint was a response that stated my modification was approved but my mortgage had been purchased by another lender so there was a delay.The modification process was started in XXXX of 2014. After that notice I was served with foreclosure paperwork. This led me to question how Ocwen could file foreclosure on a mortgage that was currently in a modification and according to Ocwen had been bought by another company. I was told that I needed to file a response to the paperwork I was served. I filed my response at my local court house stating I was making payments, had a pending modification, and included copies of negotiated checks that Ocwen had accepted for payment .At this point the modification had carried on for over a year. I then was assigned a date to meet with attorneys for Ocwen as well as a foreclosure mediator, that meeting I believe was XXXX XXXX. At this meeting Ocwen was called where a representative for Ocwen told myself, the mediator and the attorney present that my modification had been approved, that my mortgage was current and after 14 months I finally had a completed modification. I was told I should receive paperwork on the approved modification within the next 30 days. I received a letter from the attorneys office stating the case was dismissed, which was signed and sent back. I then waited to receive the paperwork for my approved modification. I have yet to receive any such paperwork, instead I have received paperwork stating that my mortgage is behind and Ocwen has started the foreclosure process, again. I have also received XXXX separate letters stating I have a new agent, each letter had a different name, neither name is the person I am told is my agent when I call in. Total I have now been given at least XXXX different agents within the last year. I continue to make monthly payments and my checks are accepted every month.
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| 02/21/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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During the months of XX/XX/XXXX/XX/XX/XXXX. We received a letter from XXXX XXXX sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced XXXX XXXX was collecting the debt for PHH mortgage company who was listed as the servicer for the loan.
Since XXXX couldn't provide any documentation that actually provided that PHH Mortgage was the actual servicer of the second mortgage loan, I ask for additional information from XXXX.
On XX/XX/XXXX I received an email from XXXX and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from XXXX.
I kept requesting and no information was provided by XXXX.
On XX/XX/XXXX, I received a demand letter from XXXX and they continued to reference PHH mortgage as the client they are collecting the debt. see attached letter.
So on XX/XX/XXXX, I send a QWR to PHH mortgage which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by PHH Mortgage.USPS certified letter was delivered.
On XX/XX/XXXX I received an email from PHH Mortgage Corporation asking me and XXXX XXXX, to provide the following : A copy of the title report showing the lien is outstanding and also the following information.
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records.
This last request was very upsetting since if in fact, PHH mortgage was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.
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| 04/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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My loan was sold from XXXX XXXX several years ago to XXXX. I'm sure you are aware of XXXX XXXX " problems ''. XXXX then sold my note to Ocwen Loan Servicing probably around XX/XX/XXXX I think. I have had problems with the ( Ocwen ) ever since. Right now, I am trying to modify my loan but as is practice with Ocwen they take their time and then start sending foreclosure notices. Over a year ago, they raised my mortgage payment with only three weeks notice. I know the loan is an ARM, but that was a little much. I told them I could not afford the payment, filled out the modification paperwork and they denied it because they were showing my income double what I was making. When I called their attention to it they refused to make the correction and told me I could make the payments. I did for almost a year but had to file a Chapter XXXX bankruptcy last XX/XX/XXXX due that reason and my credit was great. Not now. The bankruptcy was discharged in XX/XX/XXXX. I signed a reaffirmation with Ocwen that XX/XX/XXXX as that is how long it took to get them to furnish one. They never filed a proof of claim until the bankruptcy trustee filed a complaint against them. It took them almost six months to provide the proper documentation six months after the bankruptcy was discharged. During that time I lost my job inXX/XX/XXXXand started a new job in XX/XX/XXXXmaking almost {$600.00} less a month. I have been trying to get the loan modified since the beginning ofXX/XX/XXXXbut Ocwen could not do anything until the bankruptcy issue was taken care of. I do not know how they manage to stay in business. Anyway, as soon as the bankruptcy court stated they had a lien as a debt collector and not a mortgage company, then the " collection '' letters began. I am almost 3 months behind on my mortgage and this modification could have already been taken care of. I am still waiting to hear their decision. I feel trapped.
I would appreciate any input you might have. Thank you,
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| 01/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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Ocwen Loan Servicing , LLC ( " Ocwen '' ) incorrectly denied me a HAMP modification and instead completed an in-house loan modification on XXXX XXXX, XXXX. The new payment amount was {$2000.00} ; however, on or about XXXX XXXX, Ocwen changed my mortgage payment to {$2600.00}. I was informed that this increase was due to an escrow adjustment. Upon further discussion, Ocwen admitted that at the time of the modification they had failed to accurately calculate the total escrow due. It appears that Ocwen purposely failed to accurately calculate and/or include known escrow in order to provide a falsified loan modification. By knowingly failing to accurately incorporate the historically known escrow, Ocwen avoided making the necessary interest rate adjustments and/or principal foregiveness necessary to provide a true and accurate loan modification. I have raised these concerns on at least 4 occasions ( the most recent with the Ocwen Office of the Consumer Ombudsman ) and in each instance my concerns have gone unaddressed. In each case Ocwen has failed to address that the XXXX XXXX loan modification was materially flawed and has failed to address my request that the XXXX XXXX loan modification be recalculated using the correct escrow amount which have been available to Ocwen since before XXXX XXXX. Once again, my concern is that Ocwen incorrectly denied me a HAMP modification and then intentionally failed to include total escrow in order to provide a false loan modification which they had no intention of honoring. I believe that a review of Ocwen in-house loan modifications will reveal a similar pattern among it 's customers. A pattern of incorrectly denying HAMP modifications in order to steer its customers to it 's in-house loan modification program and then purposely omitting key information ( i.e. escrow amount ) so that they can provide false loan modifications which they intend to immediately adjust upon completing an updated escrow analysis.
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| 08/08/2016 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
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After the demand was made for the necessary interior BPO for the short sale on my house, Ocwen hired XXXX XXXX XXXX XXXX XXXX ( not XXXX ) to do a mock appraisal of it. I had to beg the young ( XXXX year old ) non-broker ( who was probably not an inspector of any kind ) to take pictures. ( I saw the young man delete pictures from his phone before he left the premises, and they definitely looked like my interior house photos. [ Although, it may be that he did so after uploading them to a server ] ). I scheduled the BPO not realizing that our real estate agent could n't be there at that moment. Our broker-salesperson said based on the description of the incident and the very, very incomplete submission she and the buyer got word of, that he was probably a " runner '' ; a non-appraiser hired cheaply by the actual inspector to " run though '' the dirty work for that person 's convenience / opportunity to close more inspections in a shorter period for a higher income. Our broker and the buyer came in a couple more times to take their own pictures to be submitted to the bank and my XXXX Hope Program attorney. A pending complaint was launched with the DLLR. We know that Ocwen will try to get what they want ( as opposed to what 's equitable ) by any means. The inflated price they attached could have scared off the buyer had he not been able to negotiate skillfully. What 's at the crux of this is that we just found out that no one gets a copy of the BPO except for Ocwen and the bank, XXXX. We would have ( despite the expense ) put in for a BPO with someone we hired had we known that Ocwen could / would doctor the results to fit their own agenda. And the revised sale contract for the new amount on the house removes the provision of up to 90 days given at the buyer 's discretion for us to vacate the property. The previous contract made that provision. Also, we have found out about Dual Tracking, which definitely appears to have been done in our case.
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| 09/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Servicemember |
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On XXXX XXXX XXXX, I received my credit report from XXXX. I noticed that Ocwen Loan Servicing turned us in to the credit bureaus as ND, no data for our XXXX XXXX mortgage payment. Please see XXXX report! Now, I printed a copy of our payment history from Ocwen Loan Servicing website on XXXX/XXXX/XXXX. This payment history report reflects that our XXXX XXXX payment was received on XXXX/XXXX/XXXX for {$690.00}. Please see the payment history report! Also, on XXXX/XXXX/XXXX, I printed a credit history letter from XXXX website. It reflects that XXXX XXXX, we were current. Please see credit history letter! On XXXX/XXXX/XXXX, I printed a credit history on Ocwens website. This credit history report reflects that in XXXX XXXX, we were current. Also from XXXX XXXX to XXXX XXXX, Ocwen Loan Servicing notified the credit bureaus that we had no payment history. This is incorrect! We made our mortgage payment on time and if Ocwen Loan Servicing submitted no payment history available for these dates, then Ocwen has violated the law, The Fair Credit Reporting Act ( FCRA ) by not accurately submitting the correct information to all the credit bureaus. What Ocwen Loan Servicing has done is unethical and is bad business practices. Now, a CFPB report shows that action is being taken against Nonbank and Bank for inaccurate mortgage loan reporting! This is not the first time that Ocwen Loan Servicing has inaccurately reported our mortgage payments to the credit bureaus. Please see some of the other CFPB complaints against Ocwen Loan Servicing. Now, if Ocwen inaccurately notified the credit bureaus, then Ocwen must be held accountable for their actions. If Ocwen submitted current to all the credit bureaus and the credit bureaus submitted the incorrect information, then Ocwen Loan Servicing must provide proof/documentation to show that Ocwen submitted the correct information to all the credit bureaus so the credit bureaus can be held accountable for their actions.
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| 01/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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Today, XXXX XXXX XXXX, I went onto Ocwen Loan Servicing website and found that Ocwen failed to report accurately to the credit bureaus once again. I also found that Ocwen failed to update their system to reflect the correct payment information. Enclosed is a credit history letter, payment history sheet, a credit reporting sheet, a credit history sheet from Ocwen Loan Servicing website and a credit report from Experian dated XXXX XXXX XXXX. As you can see on the credit history letter, Ocwen is reflecting a " XXXX '', that there is no payment history for XXXX XXXX. Please refer to the payment history page. As you can see, Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, Ocwen failed to report for our XXXX XXXX mortgage payment. Please refer back to the payment history sheet. You can see that we paid Ocwen on XXXX XXXX XXXX for XXXX XXXX mortgage payment. Since Ocwen received our payment in XXXX, why did n't Ocwen report for XXXX XXXX in XXXX? Ocwen Loan Servicing has failed to report accurately in the past and is still continuing to violate our rights. Ocwen keeps stating that once a dispute occurs, Ocwen freezes all credit reporting until the matter is closed. If this is true, why did n't they report accurately for XXXX XXXX a couple months later? Why did Ocwen Loan Servicing own website clearly reflect that there was no payment history available for XXXX XXXX when we did pay Ocwen in advance? This issue must be address and investigated to find out if Ocwen Loan Servicing has violated any State or Federal Laws. Ocwen has ignored our requests, to have Ocwen Loan Servicing report accurately each month and to keep XXXX XXXX in the Ocwen Ombudsman Office from providing any responses to anyone, regarding our mortgage loan. XXXX XXXX has failed to answer our questions in the past and failed to provide documentation as we requested. We will continue to file complaints against Ocwen loan servicing until they comply with our requests!
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| 01/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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On or around XXXX/XXXX/14 Ocwen loan servicing LLC . sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called Ocwen three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took Ocwen approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility.
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check.
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX.
Ocwen is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.
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| 01/04/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Property XXXX XXXX XXXX, XXXX, NJ XXXX # XXXX Sold XXXX 1st Modification XXXX Transfer to Ocwen XXXX Three payments paid but not credited XXXX, XXXX, XXXX and XXXX, XXXX.
XX/XX/XXXX loan transferred to XXXX.
XX/XX/XXXX payment sent to XXXX as directed.
XX/XX/XXXX loan sent back to Ocwen.
XX/XX/XXXX XXXX payment returned to Ocwen and credited to trial modification. Nj 2nd Modification trial payments completed XXXX, XXXX to XXXX, XXXX Shortage of {$5000.00} requested to be corrected. Ocwen refused to add the missing {$5000.00} and ended the Modification saying that {$10000.00} was owed in XXXX, XXXX.
XXXX, XXXX Appeal sent for termination of the Modification to Ocwen and XXXX XXXX but they refused.
XXXX, XXXX mortgagee filed complaint in XXXX XXXX XXXX XXXX and requested that the mortgage be paid through a court account since Ocwen was not applying payments properly. Request denied.
XXXX mortgagee files a XXXX Complaint in XXXX XXXX XXXX.
XXXX Servicing of the Mortgage was assigned to the XXXX XXXX XXXX.
Improper Servicing was submitted for every stage of the Foreclosure Process so mortgagee was unable to appear due to never being notified.
XX/XX/XXXX trial period for XXXX Modification was paid until XX/XX/XXXX but no permanent modification was received in the mail from Ocwen.
XXXX XXXX XXXX said they sent the permanent Modification by email which was false and subsequently XXXX closed the Permanent Modification in XXXX, XXXX unknown to the mortgagee so payments continued until XXXX, XXXX.
In answer to a CFPB complaint also in XXXX, XXXX, the missing payment of XXXX, XXXX was found and credited back to the mortgage. The missing payments of XXXX & XXXX should be investigated so it can be verified that the loan was not delinquent in XXXX and the Foreclosure is illegal and should be reversed in favor of the mortgagee by titling the house to the mortgagee for {$16000.00} and no further payments. Or return the house for {$2000.00}.
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| 12/17/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021, XXXX XXXX XXXXXXXX, caused to file a foreclosure action alleging a breach of contract under the terms of the loan modification. Under Florida law, a loan modification is a novation to the original loan contract ... .see Florida case law XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX When a debtor engages in a loan modification, the loan amount increases therefore the lender must pay the imposed intangible & stamps pursuant to Florida statute 201.08 ( 1 ) ( b ), 199.282 ( 4 ). For further clarity see Florida caselaw XXXXXXXX XXXX XXXXXXXX. A lender or financial institution does not have any enforceability in this state until the taxes imposed by the state are paid in full. You caused to file a foreclosure action yet you do not have any enforceability therefore you must dismiss the action. The loan modification agreement can not be recorded because it was not notarized. XXXX County recorder office will not record an instrument that is not original nor notarized. A closer look at the loan modification agreement reveals it does not reflect the property legal description. See Florida Caselaw Fed. XXXX XXXX v XXXX XXXX, judgment can't ever be entered until the legal description has been corrected. The loan modification must be amended to included the legal description. In the event the issue can not be resolve the courts have no choice than to dismiss the case. The fact that you have failed to record the instrument and pay the taxes imposed by the state warrants an investigation into your organization as the matter may be construed as tax evasion. What is tax evasion? " The illegal nonpayment of tax ''. " An illegal attempt to defeat the imposition of taxes by individuals, corporations, trust, and others. This matter is being investigated by the Florida Department of Revenue and the Department of Treasury. There are millions in loan modifications where financial institutions are collecting payment yet have not paid a dime to the State.
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| 01/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX PHH mortgage once again decided to stop accepting my payments. Unfortunately they didnt inform me of this, nor have they returned any of my checks to me. Instead, they have been sending correspondence and most likely my personal checks, addressed to my deceased husband at an address neither of us have ever lived at. My husband has been dead for two years and neither he nor I have ever even lived in the town where PHH has been sending correspondence. My fear is that my late husband has been a victim of identity theft and someone is fraudulently receiving mail in his name. I dont know how PHH obtained this unknown address they have been sending things to, but I didnt give it to them and obviously neither did my late husband. My checks that I use to make my payments clearly have my name and address, and every qualified written request I have sent them has my name and full address at the top of the letter. PHH has been aware of my husbands death since XXXX of XXXX when I sent them his death certificate and they confirmed me as successor in interest. There is absolutely no excuse for them to be sending anything anywhere but to me at the address they know belongs to me. This is intentional.
For two years PHH has been intentionally refusing to communicate with me, sending correspondence addressed to my late husband and addresses I havent lived at for years, and now to an unknown address. They have been denying my payments, offering me modifications and then denying or ignoring them, sending someone to photograph my house every month, and attempting to foreclose on my home even though I have made every single payment and complied with everything they have asked for. In addition to all this, they are now sending my personal information to an unknown place, and possibly an individual fraudulently using my late husbands information. This obviously puts me at risk of identity theft, not to mention a blatant disregard for my privacy
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| 10/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was recently ( a few months back ) assigned to PHH Mortgage. ( I'm fairly certain it was an assignment of the loan, as opposed to the servicing function, but I'm not sure. ) My complaint related to fees they're charging in connection with online and phone payments. They are also having recurring issues with their website payment portal.
My previous mortgagee did not charge any fees for online payments. As soon as PHH got involved, they started charge {$7.00} for each online or phone payment. When I questioned them, their position is that I am electing to pay the fee by not paying via check or a recurring automatic payment ( apparently they don't charge the fees for those forms of payment ). All of their communications go to great lengths to reassure you that you've consented to the payment, and that they retain a portion of it and pay a portion to the third party service.
PHH also has a buggy payment website. It works about half the time. Today, I tried to log on to pay my bill, but the site was down. On the call, they acknowledged the recurring problems and said they're working on it.
Finally, I have questions about their escrow practices. The previous mortgage company would send me checks periodically because my escrow balance would exceed the maximum allowable limit they are permitted to hold ( which I believe they said was something like your estimated insurance and tax expenses over the next six months ). I have not gotten any refunds from PHH, and my payment has been going up. ( One increases was legitimate and happened in connection with an increase in my insurance premiums ... about {$100.00} increase in premiums for the year ). I can't explain the other increases.
I don't have dates because I can't log onto their website, but I tend to pay me mortgage during the last few/couple days of each month. So, the fees have been charged near the end of each month for the past several months.
Thanks for your help.
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| 10/08/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XXXX XXXX XXXX XXXX ( XXXX XXXX ), Successor in Interest to XXXX XXXX XXXX , XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX as Trustee For XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX XXXX XXXX ), continues to allow others to proceed with foreclosure of my property in Docket No. : XXXX upon a note and mortgage ( " mortgage loan '' ) that became time-barred as of XX/XX/XXXX, by using the name of XXXX XXXX as Trustee for XXXX XXXX XXXX 's name as the purported owner of the subject mortgage loan, despite XXXX XXXX as Trustee for XXXX XXXX XXXX 's communications dated XX/XX/XXXX and XX/XX/XXXX annexed hereto as Exhibit 1, declaring that : The servicer is the party to the Trust that has the authority and responsibility to make decisions regarding individual mortgage loans in the Trust. The Trustee has no authority or responsibility to review and or approve or disapprove these decisions and actions..
Furthermore, XXXX XXXX as Trustee for XXXX XXXX XXXX further declared within its publication titled Role of the Corporate Trustee enclosed hereto as Exhibit 2, that : ( 1 ) As Trustee, XXXX XXXX XXXX XXXX XXXX XXXX performs the following responsibilities. Does not initiate, nor has any discretion or authority in the foreclosure process .... ( Id. at Page 2 of 4 ) ( 2 ) All trustees for XXXX transactions, including XXXX XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process. ( Id. at Page 2 of 4 ) ( 3 ) As noted, the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any, information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. ( Id. at Page 2 of 4 )
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| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what Ocwen quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
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| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Sadly my complaint has expanded fifteen years and every time I apply for refinancing and am denied I get to relive the humiliation resulting from the bullying practices of XXXX XXXX XXXX/American Home Mortgage.
XX/XX/XXXX : " I am pleased to advise you that your request for a loan modification has been approved ... '' Really? After bullying us into a modification with threats of losing our home it took 3 months of not allowing us to pay on our mortgage you approve us for 11.25 % and a higher monthly payment! When I phoned to express my grave concerns, '' Mam, you really don't have any other options ... '' XXXX : Again, due to financial hardship we were left with no other option but to modify again at an outrageous rate. Again, getting nowhere with the company I reached out to the Attorney General.
XX/XX/XXXX- sent a letter to XXXX XXXX-CT Attorney General- he responded to no avail. Got the run around and told mortgage companies were allowed charge those interest rates ... etc ... .but does that make it right? They threaten to take away your home unless you modify! That is bullying!!!!
XXXX Sent another letter of disgust hoping for some retribution-no luck with the organizations referred to.
XXXX Sent a letter to XXXX-CT Attorney General and was referred to Making Homes Affordable program but we did not qualify.
XXXX Trying to refinance only to yet again be told we don't qualify and that we have been paying thousands of dollars per month to barely move forward on our loan amount that is {$100000.00} more than we paid for it in XXXX!!!!!! We work hard to provide for our family, we have never asked for a handout yet mortgage companies are allowed to take advantage and the consumer literally has not protection against these bullies.
Thank you for taking the time to hear my complaint and I'm not anticipating any outcome in my favor but I feel if I don't continue to express my disgust with the whole process then I remain the victim.
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| 07/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that OCWEN Loan Servicing is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from OCWEN Loan Servicing because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If OCWEN Loan Servicing refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
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| 06/13/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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on XX/XX/XXXX XXXX hit our home and did alot of damage as well as 5 we eks no power and out of work because of same for months because my work was out of home, Ocwen loan service was l ess than helpful and because of the XXXX went into hospital XX/XX/XXXX and by this time I was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX and I recieved a letter from Ocwen that they are going to foreclose. This was when we were working on the second Mortgage Modification with them, I than called XXXX XXXX Office Esq in XXXX , NJ XXXX and he told me to file a chapter XXXX bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP XXXX ) including a now Third modification submitted by way of the courts, The XXXX was filed on XXXX and approved and the chapter XXXX was filed on XX/XX/XXXX and once again the XXXX put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with XXXX office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER XXXX .Than after that i was hit by a XXXX XXXX and it put me in XXXX IN TH E HOSPITAL and I had to let the Chapter XXXX discharge because had no work, could not work and ended up on XXXX . Now I am in Superior court, XXXX XXXX XXXX N.J. fighting Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent XXXX as well as a XXXX daughter who lives with me, the XXXX has been unbearable to say the least. Thank you for any help your Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.
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| 06/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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|
Web |
Older American, Servicemember |
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I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}.
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS
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| 02/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I, XXXX XXXX, am the authorized third party for XXXX XXXX XXXX XXXX. I 'm helping him apply for a loan modification with Ocwen, his loan # is XXXX. Ocwen approved him for a HAMP tier 2 modification on XXXX/XXXX/XXXX which only lowered his payments by about {$400.00} per month which did n't help him make the payments more affordable. We sent Ocwen a letter the next day on XXXX/XXXX/XXXX stating that this modification did n't help them and they would like it to be closed out and reviewed for an in house modification to see if maybe there was a better modification offer for them. Ocwen then said it would take a few days to close it out and it was never closed out until XXXX/XXXX/XXXX. It took about a month to close it out after we sent them a letter and they received it saying it would be closed out any day now. We resubmitted updated documents at that time XX/XX/XXXX to be reviewed for an in house modification, when at that point Ocwen then again approved it for a HAMP tier 2 on XXXX/XXXX/XXXX with identical payments which again did n't help the borrower. I have now sent them a letter asking them AGAIN to close out the review and review XXXX for an in house modification and they keep saying the same thing again saying, give us a few days and call back and it will be closed out and nothing is being done to close out the HAMP tier 2 approval and review him for an in house modification. This is XXXX 's last hope to save his home, if they can offer him a lower payment with an in house modification he can keep his home and I 've seen very great in house modifications with Ocwen so I know it 's possible but they keep dragging their feet and XXXX keeps falling further and further behind. If you can please help XXXX 's family out by having Ocwen expedite the process by closing out the HAMP tier 2 and reviewing him for an in house modification this would make a huge difference in their lives, they do not want to let go of their family 's home.
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| 09/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I requested.
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| 10/22/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track.
I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment.
As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.
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| 01/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Ocwen is attemoting to llegally foreclosed my loan, ignored my complaints, and have sold off the servicing rights to my loans and are trying to initiated the foreclosure process before completing a review of my loss mitigation applicationsFees and the Dates alleged simply cant be for what you stated above due to the fact that your explanation of when the fees could be incurred does not match the timeline of my property and the actual activity there. There is no way certain fees could have happened when you are stating, and I can prove it because I have been living there and can prove that there is no way anyone inspected anything, no maintenance was done. definitions of fees and what there for, but didnt state the ammount of each fee. And the ammount charged for each fee changes seemingly at will for no reason. While the fee title remains the same, the ammount charged for the same type of fee drastically changes.
.there has been absolutely no communication or effort put in on your part to contact me an alert me that any of this was going on so that I might have been able to prevent these charges from being made. I was prayed upon by your ocwen because of the literal contradictory resistance i have met for 2 years to gain access to the account or find effecgtive communication with them at all. The fact that this account was inherited and XXXX XXXX is XXXX I believe it was believed by there company that I, and my property could be written off as already won and that yall were just waiting for the time to pass by until they could sieze the property.
I have not been given any oppurtunity or a fair chance to abide by any terms or conditions, and it is wrong and terrible to think that OCWEN/PHH/XXXX is and would try to take this from me without giving me a fair shot.
So no, your fees were not correct and i object and reject their tatement and challenge it fully.
I am not trying to escape a debt, I am trying to get a fair chance.
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| 08/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
Older American |
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XXXX as Trustee wrongfully foreclosed on our home.
1. XXXX is named indispensable party in Federal complaint. XXXX as Trustee wrongfully answered the complaint. XXXX did not answer complaint.
2. Attorney for XXXX represented different corporate entities regarding XXXX in XXXX XXXX XXXX Court.
3. Loan was still in original XXXX XXXX trust after the foreclosure and sale indicating the loan had not been satisfied and removed from the trust as the Pooling and Servicing Agreement ( PSA XXXX states should have been removed or replaced by a similar loan.
4. No original note was filed in any court and note was not assigned to XXXX.
5. Only a fraudulent XXXX assignment of Deed of Trust was presented in court.
6. No corporate disclosure for XXXX was filed in federal court.
7. XXXX Memorandums from XXXX should not be used in any foreclosure actions. This should verify beyond all claims that XXXX, as Trustee committed a wrongful foreclosure.
8. Representative of XXXX states that XXXX has no equitable interest in any of the loans that it is trustee for.
9. XXXX, as Trustee claimed to be owner and holder of XXXX loan in federal court. Memorandums presented by XXXX show XXXX, as Trustee is not.
10. Attorney for XXXX falsely claimed that documents presented were original, true and correct and they were not. This attorney contradicted his statements regarding same which upon information and belief could be considered perjury.
11. XXXX is registered to do business in Tennessee. XXXX, as Trustee is not registered in TN.
12. Fraudulent documents were consistently produced by attorney for XXXX, Litton loan, etc., but were claimed to be true and correct throughout the federal complaint.
13. The XXXX never received any notification that the loan had been satisfied.
14. The XXXX never received any IRS form XXXX from any entity connected with their loan. Upon information and belief, this could be considered tax evasion by these entities.
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| 04/21/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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I am locked out of my house. I am temporarily living with my XXXX XXXX while recovering from multiple hospitalizations. 4 hospitalization stays in the last 2 years. Last discharge date was XX/XX/XXXX. Last long term stay XXXX XXXX XX/XX/XXXX. I have a year from this date to return home. My medication is being adjusted and because of my age and weight its a slow process. I have also had to evict my grandson from the property as he was stealing from me and abusing me while I was living with him. All of my money was taken by him to gamble away. There is a elder abuse case in XXXX XXXX XXXX. My XXXX arranged for the reverse mortgage and then he stole the money from the house. The money was deposited into my checking account and then he transferred the funds into his account. XXXX XXXX bank failed to monitor bank account transfers, they should have caught the illegal transfers my son made. My XXXX is deceased and I cant do anything about that now. It took me a year to get my grandson out of the house and then XXXX XXXX XXXX, hired by XXXX mortgage, entered my home illegally. They said it was abandoned. It was not. I had a lock box on the front door because I was having repairs made. My XXXX caused a lot of damage. He sold off a lot of my possessions. My XXXX XXXX called guardian asset management and notified them that they had taken possession of my property and it was not abandoned. My property manager has been over several times and the lock box remains. They changed the locks on my house and I dont have the keys. It has been 2 weeks since they were notified and I still cant get into my own home. The property has a reverse mortgage and they are trying to force me out! I have never received a penny for my house! I was scammed by XXXX XXXX and the mortgage company. I never knew he could take cash out. I have vision problems and cant see very well. This is being typed by XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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In XXXX, my uncle, XXXX XXXX XXXX age XXXX, refinanced his home at the encouragement of a mortgage broker with XXXX XXXX XXXX. He died in XXXX and his widow, my aunt, XXXX XXXX, was left with the XXXX XXXX dollar mortgage. She put the house on the market and was unable to sell the house at that time because the house was valued less than the mortgage. In fact, the house was worth less than the mortgage in XXXXThe house could never have guaranteed this mortgage. My aunt continued to live alone in the house, living a life of extreme frugality and unhappiness because she was unable to sell the house anywhere near the mortgage payoff amount. Foreclosure was not an option in her mind. There were no other options available to her at that time. She paid the {$10000.00} mortgage payment monthly like a prisoner on death row until her death in XXXX of XXXX. At that time, I was advised that I was named sole heir of the property via will and trust documentation. I have been living in the house and maintaining it since I came to care for her in XXXX of XXXX when she was terminally ill. The despair she experienced from this situation affected her quality of life and contributed to her demise unquestionably. Most recently I have received a notice to vacate the property. I had been waiting for this bank to file a claim against my aunt 's estate because I was going to deny the claim. This was a predatory, fraudulent mortgage. The bank was guilty of unjust enrichment. My aunt and uncle were exemplary people and my aunt did not deserve to spend the last years of her life in anxiety and fear. All of her retirement money went to pay this fraudulent mortgage. She had about one year of money left if she did not die. I estimate that at least {$600000.00} was paid to the bank over the course of 6 years and the balance on the mortgage was still XXXX XXXX. Now XXXX XXXX with fees etc. The last time the house was appraised in XXXX for about {$500000.00}.
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| 02/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent.
2. Reporting negative to Credit Bureaus when payments made early or on time.
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed.
I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response.
When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment.
NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time.
I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.
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| 04/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My wife and I refinanced our home in XX/XX/XXXX by way of a {$70000.00} simple interest note from XXXX XXXX, which later became XXXX. Servicing was transferred to XXXX and finally to Ocwen. My wife recently passed away and I am on XXXX from the XXXX. Nonetheless, I have never missed a mortgage payment. The loan has very rarely been late and, if so, only a few days. Often its paid a few days early.
The promissory note says : I will pay this loan in 240 payments of {$560.00} each payment. My first payment is due XX/XX/XXXX and all subsequent payments are due on the same day of each month after that. My final payment will be due on XX/XX/XXXX, and will be for all principal and all accrued interest not yet paid. I am told that despite making all my payments timely under the note -- - I will still owe around {$5000.00} after making my last scheduled payment in XXXX. At one point, the payment due date changed to the XXXX of the month.
I telephoned Ocwen in XXXX XXXX and requested a payment history. I am uploading the following documents : a ) mortgage b ) promissory note c ) XX/XX/XXXX letter from Ocwen responding to notice of error d ) Payment history provided by Ocwen I believe one of two things have happened : This loan was at one point, perhaps when it was with XXXX, was converted to a fully amortizing loan and Ocwen failed to account for this and misapplied all the monies I paid on the loan resulting in an over collection of interest which is resulting in a principal balance that is not actually owed. Alternatively, if the loan was not converted, Ocwen may have otherwise boarded the loan incorrectly with flawed data when it acquired it or maybe when it changed the due date. Or maybe it has made some other mistake. Whatever the case, I made all the payments as required but I am told that I will still owe {$5000.00} or so after making the final required payment.
Please process my complaint and help me resolve this issue.
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| 04/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Yesterday I received notice from my bank about an overdraft. I have been XXXX since XXXX and I have to be sure each month to budget my spending. As far as I was aware my mortgage is {$720.00}, but I have been paying an extra {$20.00} a month because my home insurance went up last year around {$200.00}. My account was drafted {$760.00}. I did not receive an XXXX bill or a letter about my mortgage payment increasing ; therefore, my bank account did not cover my increase payment of the extra {$20.00}. I was charged an overdraft fee of {$38.00}. Today I called my mortgage company, OCWEN to enquire about the new mortgage amount. The OCWEN representative stated it was due to my escrow shortage. I could not believe what he was telling me. On XXXX XXXX, XXXX I received a refund check from OCWEN. I called OCWEN before I cashed the check in order to know the reason I was receiving the {$430.00} check. I was told that they had to send me a refund for the overage in my escrow account. I told them that I wanted to be sure due to the ordeal I went through with in XXXX XXXX. They had claimed my payment was late and sent me threatening letters about foreclosure procedures. I had never missed a payment, or been late on my mortgage. I complain through CFPB [ # XXXX ] & OCWEN took the late fees off & did not report a miss payment to the credit bureaus.
The representative told me TODAY that I should have not cashed that check and I should send it back. They are trying to ruing my credit. I applied for a HARP loan through OCWEN and was denied because the said my nontaxable income was more than enough to pay my bills. They claimed by law they had to add 25 % to my income for qualification purposes. I do not understand how I could have a {$430.00} overage in my escrow on XXXX XXXX, XXXX and evidently XXXX weeks later, I have a {$250.00} escrow shortage. OCWEN did not send me an XXXX XXXX payment statement or a letter stating an escrow shortage..
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| 01/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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XX/XX/XXXX Chapter XXXX was filed. On XX/XX/XXXX Ocwen approved a mortgage modification. 1st trial payment was XX/XX/XXXX last on XX/XX/XXXX. Completed on time. Contacted them multiple times to see when i was going to receive statement. Called multiple times for years & was told to keep paying modified amount. So I did. CXXXX BK discharged XX/XX/XXXX. XX/XX/XXXX received a 2page statement dated XX/XX/XXXX saying Due in bold red letters {$65000.00} to bring my account current. Said became delinquent XX/XX/XXXX. Received another statement next day dated XX/XX/XXXX, saying payment duue XX/XX/XXXX for {$67000.00} also in big red letters. Contacted, said my payment was rejected. They told me to send proof of all my payments for pat 4.5 years and schedule appt for XX/XX/XXXX. Sent me a hardship info pack to complete. They sent me a modification pack without using my current expenses, etc in my hardship pack that I had not sent back yet. Told me to take their modification AS IS pre-apprived & if they review my hardship pack it is not guaranteed I get a modification. I called them with an update of my pack every couple of days and just said ok. Now paying {$2400.00} from {$1000.00}. They added $ XXXX on my loan w/baloon. Need help, savings exhausted. They forced me to take this or lose my home. Did not attempt to work with any offers I made. May lose in a couple of months. Expenses are more than income. Have cut all I can. I've been totally onest with them for years but they did not ever tell me any kind of way I need to be paying my original amount before mod or even should have told me it was not approved. They just kept taking my money. Said they couldn't tell e anything becasue I was in a BK. They should/could have not even sent the trial mod payments if that is the case. I have lots more info, documents, etc. I'm so sick, worried, stressed, can't sleep. I need some type of relief. I pray you can assist in some way. Thank you
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| 07/06/2017 |
Yes |
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- Trouble during payment process
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Web |
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This is another in a series of charge and account discrepancies on my account levied by Ocwen.
From: XXXX XXXX
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX
Thank You for providing a breakdown of the outstanding miscellaneous fees on the account. I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.
Highlighted below, why am I being charged for foreclosure fees and title reports last year. The loan was still in an unemployment modification at the time and is currently not in foreclosure. I was unemployed from XX/XX/XXXX-XX/XX/XXXX. Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended. Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.
I want to reestablish recurring payments, keep the house and rebuild my credit.
Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.
Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX
Thank YouXXXX XXXX XXXX
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| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I Was going through a divorce in 2011 and almost resources at the time had to go to my son XXXX XXXX XXXX at the time he was not doing to good at the time and my wife also commenced the divorce witch compounded his issues I had called GMAC LLC at the time and told theme I may be late on some payments they told me to stop making payments for 90 day so I could get a loan workout modification this went on for some time as they where soliciting me for a loan work out they where also conspiring to steal my home I also have evidence on there foreclosure documents they planted in the XXXX XXXX recorders office to commence the theft of my home or XXXX falsified/forged and tainted the title on the property they also never evicted us before sending in unknown strangers in our home before any trustee deed was ever recorded they claimed to be the new owners and have been busted by the city XXXX for changing my home from a XXXX bed XXXX bath to a XXXX bedroom XXXX bath with out permits and took out a pool permit win the home was still in my name I could no commence a legal action/proceeding at the time who I thought was the bank in my home at the time because again my son was having XXXX issues and other heath issues I was always in contact with the bank and in fact even though I was ordered to move out in XXXX 2011 so my son could stay in the home until the court proceeding was over and I thought the bank was going to give me a loan work out I was still able to pay almost XXXX a month for rent in a apartment and still made over a XXXX XXXX a year the bank lied to me and took my home from me and sold the home I believe to a insider for a lot less then my home was worth and went into my home illegally and took my life long positions and traumatized my son who I told the home would still be ours and myself they also slandered my credit witch kept me from owning a home for over years and they have not responded to me as required by law
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| 07/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.
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| 08/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Application denials
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Web |
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Attempting to sell my property, XXXX XXXX XXXX XXXX MD realtor told me house was paid in full and another home in XXXX XXXX MD on XXXX XXXX XXXX, XXXX MD also paid in full. The Maryland land property records show a forged, false and fraud power of attorney filed with the my home deeds Book XXXX, Page 292, file XX/XX/2019. This forged power of attorney signed by my now ex husband. Issues surrounding equity in my home I can not access and have tried reaching out to lender/servicer, title is missing, mortgage lender XXXX XXXX XXXX and XXXX XXXX . Original lender Ocwen now is PHH mortgage, customer account activitiy statement shows my payments are transferred as " Cash '' to " corporate '' not to mortgage/debt. Issues surrounding XXXX XXXX insurance policies, in which XXXX XXXX XXXX XXXX issued a $ XXXX dollar rental and business policy on my residential property. They will not honor any valid claims for damage to home, without significant deductible yet has extraordinary cost and policy changes without my knowledge. MERS shows home is paid off, mortgage servicer shows only a " hazard insurance '' XXXX XXXX shows significant policy difference, I am unable to access equity, Trusts in mortgage loan related to deed, that include a {$10000.00} payment to XXXX XXXX XXXX, and another $ XXXX easement for upgrade sewer system, Town of XXXX, MD. Property assessments have been altered since purchase of home. These easements, covenants and restriction due to forged/false power of attorney making change decision on my behalf. Trusts making it impossible to sell my home, multiple properties confirmed in my name by XXXX XXXX and Maryland Land records. Fraud EIN created using my SSN, false " businesses '' that may be stealing equity in my home, through unethical mortgage loan, insurance. I have sever HVAC repair need and can not access equity or sell my home, no realtor ( 6 have interviewed ) will sell my home or know how to assist.
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